* Or since inception if the Fund has been in existence for less than 10 years.
** Please note that the current yield quotation more closely reflects the current earnings of the Money Market Fund than the total return performance data.
The performance data shown above represent past performance, which is not a guarantee of future results. Investment returns and unit values will fluctuate so that units, when redeemed, may be worth more or less than their original cost. Investment Fund total return performance currently may be lower or higher than the figures stated above.
The total return performance data are based on a hypothetical investment of $1,000, which is redeemed at the end of the periods shown. The total return figures reflect the reinvestment of investment income and capital gains and losses, and are net of expenses which include a contract fee, an expense risk fee, administrative charges, a distribution expense charge and Underlying Funds fees and expenses. Before investing in our variable annuity contracts, you should consider the investment objectives, risks, charges and expenses (a contract fee, Separate Account expenses and Underlying Funds expenses) carefully. This and other information is contained in the contract prospectus or brochure and Underlying Funds prospectuses. Please read the prospectuses and brochure carefully before investing. The prospectuses and brochure can be obtained by mail or by calling 1-800-468-3785.
The total return figures for periods extending beyond a year are average rates of return and do not reflect the Funds' actual year-to-year results, which varied over the periods shown. Contributions or withdrawals made within a period would experience different rates of return based on the unit values on the dates of such transactions.
1 Some of the Underlying Funds have arrangements with their respective investment adviser and/or other service provider under which certain expenses could be reimbursed. To the extent such reimbursements are made, the performance returns of the corresponding Separate Account Funds would have been lower. Please refer to the prospectuses of these Underlying Funds for more information on such expense reimbursements.
2 In accordance with a current SEC staff position, Date of Inception shown for an Investment Fund is the date the Underlying Fund became available to the Separate Account. An Underlying Fund may have begun operations at an earlier date.
3 Effective July 28, 2005, the Underlying Fund no longer has a subadviser, and the entire portfolio is managed by the investment adviser.
4 The investment adviser for the American Century VP Capital Appreciation Fund reimburses Mutual of America Life Insurance Company for certain administrative expenses, and the transfer agent and distributor for the Fidelity VIP Portfolios reimburse Mutual of America for certain services Mutual of America provides. We pass these reimbursements on to our contractholders, and, as such, the administrative charges for the corresponding Separate Account Funds are reduced to the extent Mutual of America receives such reimbursements.
5 Prior to March 2002, the Underlying Fund's investment objectives differed somewhat from its current objectives. Effective March 2002, two new subadvisers assumed responsibility from a previously appointed subadviser for the management of the equity securities of the Underlying Fund in which the Separate Account invests. Effective June 2004, a new subadviser assumed responsibility from a previously appointed subadviser for managing a portion of the equity securities of the Underlying Fund in which the Separate Account invests.