# EDGAR Filing Document

**Accession Number:** 0000743415
**File Stem:** 0001193125-26-181024
**Filing Date:** 2026-4
**Character Count:** 105788
**Document Hash:** 406b1c3245f423de1ace580cb365c6cf
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-181024.hdr.sgml**: 20260427

**ACCESSION NUMBER**: 0001193125-26-181024

**CONFORMED SUBMISSION TYPE**: 497VPI

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260427

**DATE AS OF CHANGE**: 20260427

**EFFECTIVENESS DATE**: 20260427

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** MUTUAL OF AMERICA SEPARATE ACCOUNT NO 2
- **CENTRAL INDEX KEY:** 0000743415

**ORGANIZATION NAME:**
- **EIN:** 131614399
- **STATE OF INCORPORATION:** NY
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPI
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-221999
- **FILM NUMBER:** 26898780

**BUSINESS ADDRESS:**
- **STREET 1:** 320 PARK AVE
- **STREET 2:** C/O MUTUAL OF AMERICA
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022
- **BUSINESS PHONE:** 2123991600

**MAIL ADDRESS:**
- **STREET 1:** 320 PARK AVE
- **STREET 2:** C/O MUTUAL OF AMERICA
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022

## Series and Classes Contracts Data

### MUTUAL OF AMERICA SEPARATE ACCOUNT NO 2 (Series ID: S000009413)

| Class ID   | Class Name                                                           | Ticker Symbol   |
|:---|:---|:---|
| C000198744 | Tax-Deferred Annuity Plan, Voluntary Employee Contribution Contracts |  |

**INITIAL SUMMARY PROSPECTUS FOR NEW INVESTORS**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

**TAX-DEFERRED ANNUITY PLAN** <br>**VARIABLE ACCUMULATION ANNUITY CONTRACTS** <br>**(TDA CONTRACTS)**

Issued By <br>**MUTUAL OF AMERICA LIFE INSURANCE COMPANY** <br>320 Park Avenue, New York, New York 10022-6839 <br>Through its <br>**MUTUAL OF AMERICA SEPARATE ACCOUNT NO. 2**

We offer group Tax-Deferred Annuity Contracts (***"TDA Contracts"***), which are group variable accumulation annuity contracts to employers to allow their employees to save for retirement.

You, as an employee under a TDA Contract may make Contributions in the amounts and at the frequency you choose, subject to restrictions in the Plan and limitations imposed by federal tax laws. A Contract can help you accumulate funds for retirement and other long-term financial needs. You may apply your Account Value to provide fixed monthly Annuity Payments that begin at a future date.

You may allocate your Account Value to any of the subaccounts of Mutual of America Separate Account No. 2 or to our General Account, unless your employer's Plan (if any) restricts allocations. You may transfer all or any part of your Account Value among the available Investment Alternatives at any time, without charge. The Subaccounts of the Separate Account invest in funds or portfolios of mutual funds, which currently are set forth and described in Appendix A to this Summary Prospectus.

This Prospectus for new investors summarizes key features of the Contracts.

The Contract is a complex investment and involves risks, including potential loss of principal.

The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Withdrawals could result in taxes and tax penalties, as applicable.

Mutual of America Life Insurance Company's obligations under the Contract are subject to its financial strength and claims-paying ability.

Before you invest, you should review the Prospectus, which contains more information about the Contract, including its features, benefits, and risks. You can find the Prospectus and other information about the Contract online at https://dfinview.com/mutualofamerica/tadf/TDA/AP. You can also obtain this information at no cost by calling 800.574.9267 or by sending an e-mail request to mutualofamerica@dfinsolutions.com.

Additional information about certain investment products, including variable annuities, has been prepared by the Securities and Exchange Commission's staff and is available at Investor.gov.

**The SEC has not approved or disapproved these securities or passed upon the adequacy of this Summary Prospectus. Any representation to the contrary is a criminal offense.**

**Dated: May 1, 2026**

------

**TABLE OF CONTENTS**

---

| | |
|:---|:---|
|  | **Page** |
| **[Definitions We Use in this Summary Prospectus](#xx_b6c54f74-b2eb-437c-adc6-1492bc63bb55_1)** | 2  |
| **[Overview of the TDA Contracts](#xx_b6c54f74-b2eb-437c-adc6-1492bc63bb55_2)** | 3  |
| &nbsp;&nbsp;&nbsp;&nbsp; [Purpose](#xx_b6c54f74-b2eb-437c-adc6-1492bc63bb55_2) | 3  |
| &nbsp;&nbsp;&nbsp;&nbsp; [Phases of Contract](#xx_b6c54f74-b2eb-437c-adc6-1492bc63bb55_3) | 4  |
| &nbsp;&nbsp;&nbsp;&nbsp; [Contract Features](#xx_b6c54f74-b2eb-437c-adc6-1492bc63bb55_4) | 5  |
| **[Important Information You Should Consider About the](#xx_a388d964-5571-4bc1-a6a8-33b519a1fb76_1)** <br> **[TDA Contract](#xx_a388d964-5571-4bc1-a6a8-33b519a1fb76_1)**<br>| 6  |
| **[Benefits Available Under the Contract](#xx_838b86cb-755f-4637-a711-779c0ffbc856_1)** | 10  |
| &nbsp;&nbsp;&nbsp;&nbsp; [Benefits Table](#xx_838b86cb-755f-4637-a711-779c0ffbc856_1) | 10  |
| **[Purchases and Contract Value](#xx_838b86cb-755f-4637-a711-779c0ffbc856_1)** | 10  |
| &nbsp;&nbsp;&nbsp;&nbsp; [Purchase of a TDA Contract; Participation](#xx_838b86cb-755f-4637-a711-779c0ffbc856_1) | 10  |
| **[Our Payment of Account Value to You or a Beneficiary – TDA Contracts](#xx_838b86cb-755f-4637-a711-779c0ffbc856_2)** | 11  |
| **[Fee Table – TDA Contracts](#xx_838b86cb-755f-4637-a711-779c0ffbc856_3)** | 12  |
| &nbsp;&nbsp;&nbsp;&nbsp; [Transaction Expenses](#xx_838b86cb-755f-4637-a711-779c0ffbc856_3) | 12  |
| &nbsp;&nbsp;&nbsp;&nbsp; [Annual Contract Expenses](#xx_838b86cb-755f-4637-a711-779c0ffbc856_4) | 13  |
| &nbsp;&nbsp;&nbsp;&nbsp; [Annual Underlying Fund Expenses](#xx_838b86cb-755f-4637-a711-779c0ffbc856_5) | 14  |
| &nbsp;&nbsp;&nbsp;&nbsp; [Example](#xx_838b86cb-755f-4637-a711-779c0ffbc856_5) | 14  |
| **[Appendix A: Underlying Funds Available as Investment Options Under the TDA Contracts](#xx_463d5f62-900b-4d6e-85a7-b0e194803608_1)** | A-1 |

---

------

**Definitions We Use in this Summary Prospectus**

***Account Value***—The value of a [Participant](#bookmark_part_e8008fb9-0730-41c8-a99f-1a8fe80fa767)'s [Accumulation Unit](#bookmark_au_e8008fb9-0730-41c8-a99f-1a8fe80fa767)s in the Subaccounts plus the value of amounts held in the [General Account](#bookmark_ga_e8008fb9-0730-41c8-a99f-1a8fe80fa767) for the [Participant](#bookmark_part_e8008fb9-0730-41c8-a99f-1a8fe80fa767), during the Accumulation Period. Depending on its use in this Prospectus, the term "[Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767)" may mean all or any part of your total [Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767).

***Accumulation Period***—For a [Participant](#bookmark_part_e8008fb9-0730-41c8-a99f-1a8fe80fa767), the period under a [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) when [Contributions](#bookmark_contrib_e8008fb9-0730-41c8-a99f-1a8fe80fa767) are made or held for the [Participant](#bookmark_part_e8008fb9-0730-41c8-a99f-1a8fe80fa767). The [Accumulation Period](#bookmark_ap_e8008fb9-0730-41c8-a99f-1a8fe80fa767) ends at the Annuity Commencement Date, or the date the [Participant](#bookmark_part_e8008fb9-0730-41c8-a99f-1a8fe80fa767) withdraws the [Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767) in full before the Annuity Commencement Date.

***Accumulation Unit***—A measure we use to calculate the value of a [Participant](#bookmark_part_e8008fb9-0730-41c8-a99f-1a8fe80fa767)'s interest in each of the Subaccounts. Each Subaccount has its own [Accumulation Unit](#bookmark_au_e8008fb9-0730-41c8-a99f-1a8fe80fa767) value.

***Annuitant***—A person who is receiving [Annuity Payments](#bookmark_annp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) or who will receive [Annuity Payments](#bookmark_annp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) after the Annuity Commencement Date. [You](#bookmark_you_e8008fb9-0730-41c8-a99f-1a8fe80fa767) must be the [Annuitant](#bookmark_ann_e8008fb9-0730-41c8-a99f-1a8fe80fa767), and the [Annuitant](#bookmark_ann_e8008fb9-0730-41c8-a99f-1a8fe80fa767) cannot be changed; and a [Beneficiary](#bookmark_ben_e8008fb9-0730-41c8-a99f-1a8fe80fa767) who has elected to receive a death benefit in the form of an annuity shall be the [Annuitant](#bookmark_ann_e8008fb9-0730-41c8-a99f-1a8fe80fa767). [You](#bookmark_you_e8008fb9-0730-41c8-a99f-1a8fe80fa767) or a [Beneficiary](#bookmark_ben_e8008fb9-0730-41c8-a99f-1a8fe80fa767) also may name a joint [Annuitant](#bookmark_ann_e8008fb9-0730-41c8-a99f-1a8fe80fa767), except that some [Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767)s require the consent of your [Eligible](#bookmark_es_e8008fb9-0730-41c8-a99f-1a8fe80fa767)[Spouse](#bookmark_es_e8008fb9-0730-41c8-a99f-1a8fe80fa767) if your [Eligible Spouse](#bookmark_es_e8008fb9-0730-41c8-a99f-1a8fe80fa767) is not the joint [Annuitant](#bookmark_ann_e8008fb9-0730-41c8-a99f-1a8fe80fa767). We use the life expectancy of the [Annuitant](#bookmark_ann_e8008fb9-0730-41c8-a99f-1a8fe80fa767) and joint annuitant, if any, as a factor in determining the amount of monthly [Annuity Payments](#bookmark_annp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) for annuities with a life contingency.

***Annuity Commencement Date***—The date [Annuity Payments](#bookmark_annp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) become payable under a [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) or become payable as the death benefit for a [Beneficiary](#bookmark_ben_e8008fb9-0730-41c8-a99f-1a8fe80fa767). A [Participant](#bookmark_part_e8008fb9-0730-41c8-a99f-1a8fe80fa767), or a [Beneficiary](#bookmark_ben_e8008fb9-0730-41c8-a99f-1a8fe80fa767) entitled to a death benefit, selects the [Annuity Commencement Date](#bookmark_acd_e8008fb9-0730-41c8-a99f-1a8fe80fa767), or the [Annuity Commencement Date](#bookmark_acd_e8008fb9-0730-41c8-a99f-1a8fe80fa767) may be imposed under federal tax law provisions in certain circumstances. On the [Annuity Commencement Date](#bookmark_acd_e8008fb9-0730-41c8-a99f-1a8fe80fa767), all of your [Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767) is used to provide [Annuity Payments](#bookmark_annp_e8008fb9-0730-41c8-a99f-1a8fe80fa767). [Annuity Commencement Date](#bookmark_acd_e8008fb9-0730-41c8-a99f-1a8fe80fa767) is sometimes referred to as "Benefit Commencement Date" in a [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767).

***Annuity Payments***—A series of equal monthly payments from us. The amount of the [Annuity Payments](#bookmark_annp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) will depend on your [Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767) on the [Annuity Commencement Date](#bookmark_acd_e8008fb9-0730-41c8-a99f-1a8fe80fa767) and the form of annuity selected. The [Annuity Payments](#bookmark_annp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) may be for the [Annuitant](#bookmark_ann_e8008fb9-0730-41c8-a99f-1a8fe80fa767)'s life, for a minimum period of time, for the joint lifetime of the [Annuitant](#bookmark_ann_e8008fb9-0730-41c8-a99f-1a8fe80fa767) and the [Annuitant](#bookmark_ann_e8008fb9-0730-41c8-a99f-1a8fe80fa767)'s joint [Annuitant](#bookmark_ann_e8008fb9-0730-41c8-a99f-1a8fe80fa767), or for such other specified period as we may permit.

***Beneficiary(ies)***— The person(s) named by a Participant to receive (1) during the Accumulation Period, the death benefit under the Contract if the Participant dies, or (2) after the Annuity Commencement Date, any remaining Annuity Payments (or their Commuted Value) upon the death of the Annuitant and joint Annuitant, if any.

***Code***—The Internal Revenue [Code](#bookmark_code_e8008fb9-0730-41c8-a99f-1a8fe80fa767) of 1986, as amended. Depending on the context, the term [Code](#bookmark_code_e8008fb9-0730-41c8-a99f-1a8fe80fa767) includes the regulations adopted by the Internal Revenue Service for the [Code](#bookmark_code_e8008fb9-0730-41c8-a99f-1a8fe80fa767) section being discussed.

***Commuted Value***—The present value of annuity payments due under an income option or method of payment not based on life contingencies.

***Complete Order***—An order is considered to be complete when all of the requirements for the completion of a transaction have been met. This includes receipt by the [Company](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) of all information, remittances and notices necessary to process the given transaction. The [Company](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) will inform you of the documents required for your transaction.

***Contract(s)***—One (or more) of the group (TDA) variable accumulation annuity contracts described in this Summary Prospectus.

***Contractholder***—An entity to which we have issued a TDA [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767). The [Contractholder](#bookmark_conh_e8008fb9-0730-41c8-a99f-1a8fe80fa767) may be an employer, or an association representing employers or employees.

***Contributions***—Amounts contributed from time to time under a [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) during the [Accumulation Period](#bookmark_ap_e8008fb9-0730-41c8-a99f-1a8fe80fa767).

***eDocuments***—A feature that offers [Participant](#bookmark_part_e8008fb9-0730-41c8-a99f-1a8fe80fa767)s a way to electronically receive communications and reports, such as quarterly statements, prospectuses (including summary prospectuses), and underlying fund and separate account annual and semi-annual reports. When such documents are available, an email notice is

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sent to the [eDocuments](#bookmark_edoc_e8008fb9-0730-41c8-a99f-1a8fe80fa767) subscriber informing him or her of such availability on the secure "My Account" website maintained by the [Company](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767). [Participant](#bookmark_part_e8008fb9-0730-41c8-a99f-1a8fe80fa767)s enroll by consenting to receive through [eDocuments](#bookmark_edoc_e8008fb9-0730-41c8-a99f-1a8fe80fa767) all of the documents that we deliver electronically, and are provided instructions on revocation of the consent, including the ability to revoke it immediately by calling a specified toll-free number. Revocation of consent applies to all documents provided through the [eDocuments](#bookmark_edoc_e8008fb9-0730-41c8-a99f-1a8fe80fa767) program. [You](#bookmark_you_e8008fb9-0730-41c8-a99f-1a8fe80fa767) can sign up for [eDocuments](#bookmark_edoc_e8008fb9-0730-41c8-a99f-1a8fe80fa767) by completing the Consent Agreement located on our website and indicating your consent to receive documents through the [Mutual of America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) website.

***Eligible Spouse***—Unless otherwise specified, the person to whom a [Participant](#bookmark_part_e8008fb9-0730-41c8-a99f-1a8fe80fa767) or [Annuitant](#bookmark_ann_e8008fb9-0730-41c8-a99f-1a8fe80fa767) is legally married in a marriage recognized under federal law.

***Employer***—An organization that established a [Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767) and that may be named in the [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767).

***General Account (or Interest Accumulation Account)—***Assets we own that are not in a separate account, but rather are held as part of our general assets. We sometimes refer to the [General Account](#bookmark_ga_e8008fb9-0730-41c8-a99f-1a8fe80fa767) as the [Interest](#bookmark_iaa_e8008fb9-0730-41c8-a99f-1a8fe80fa767)[Accumulation Account](#bookmark_iaa_e8008fb9-0730-41c8-a99f-1a8fe80fa767) because amounts you allocate to the [General Account](#bookmark_ga_e8008fb9-0730-41c8-a99f-1a8fe80fa767) earn interest at a fixed rate which we change from time to time.

***Investment Alternatives***—Our [General Account](#bookmark_ga_e8008fb9-0730-41c8-a99f-1a8fe80fa767) and the Subaccounts. [You](#bookmark_you_e8008fb9-0730-41c8-a99f-1a8fe80fa767) may allocate your [Contributions](#bookmark_contrib_e8008fb9-0730-41c8-a99f-1a8fe80fa767)and transfer your [Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767) among the [Investment Alternatives](#bookmark_ia_e8008fb9-0730-41c8-a99f-1a8fe80fa767), subject to any limitations under a [Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767).

***Joint Annuitant***—An additional person (usually the [Eligible Spouse](#bookmark_es_e8008fb9-0730-41c8-a99f-1a8fe80fa767)) whose life expectancy is taken into account for a life annuity and who will receive [Annuity Payments](#bookmark_annp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) upon the death of the [Annuitant](#bookmark_ann_e8008fb9-0730-41c8-a99f-1a8fe80fa767) in accordance with the form of annuity selected. A joint annuitant may be designated by the [Participant](#bookmark_part_e8008fb9-0730-41c8-a99f-1a8fe80fa767) at any time before the [Annuity Commencement Date](#bookmark_acd_e8008fb9-0730-41c8-a99f-1a8fe80fa767).

[***Participant***](#bookmark_part_e8008fb9-0730-41c8-a99f-1a8fe80fa767)—Under a TDA [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767), an employee or former employee for whom we have received [Contributions](#bookmark_contrib_e8008fb9-0730-41c8-a99f-1a8fe80fa767) under a [Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767).

***Plan***—For some TDA [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767)s, a retirement plan adopted by an employer for which a [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) has been purchased to provide benefits.

***Reduced Fee***—The reduced [Separate Account](#bookmark_sa_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Annual Expenses, comprised of the administrative charge, distribution expense charge and expense risk charge that apply to participants in plans that are eligible for such reduced [Separate Account](#bookmark_sa_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Annual Expenses as set forth in the Fee Table section of this Summary Prospectus.

***Separate Account***— [Mutual of America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)[Separate Account](#bookmark_sa_e8008fb9-0730-41c8-a99f-1a8fe80fa767) No. 2, a separate account we established to receive and invest deposits made under variable accumulation annuity contracts. The assets of the [Separate](#bookmark_sa_e8008fb9-0730-41c8-a99f-1a8fe80fa767)[Account](#bookmark_sa_e8008fb9-0730-41c8-a99f-1a8fe80fa767) are set aside and kept separate from our other assets.

***Subaccount***—A division of the [Separate Account](#bookmark_sa_e8008fb9-0730-41c8-a99f-1a8fe80fa767) which invests its assets exclusively in a corresponding Underlying Fund of the same name.

***Underlying Funds***—The funds or portfolios that are invested in by the Subaccounts.

***We, us, our, Company or Mutual of America***—Refers to [Mutual of America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Life Insurance [Company](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767).

***You, or your***—Refers to a [Participant](#bookmark_part_e8008fb9-0730-41c8-a99f-1a8fe80fa767).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

**Overview of the TDA Contracts**

**Purpose**

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We offer the group variable accumulation annuity [Contracts](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) to assist with retirement and long-term financial planning. The [Contract(s)](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) are designed to provide long-term accumulation of assets through investments in a variety of [Investment Alternatives](#bookmark_ia_e8008fb9-0730-41c8-a99f-1a8fe80fa767) during the [Accumulation Period](#bookmark_ap_e8008fb9-0730-41c8-a99f-1a8fe80fa767). The [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) can supplement your retirement income by providing a stream of income payments during the payout period. It also offers death

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benefits to protect your designated Beneficiaries. The [Contracts](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) may be appropriate if you have a long investment time horizon. It is not intended for those who may need to make early or frequent withdrawals or intend to engage in frequent trading in the [Underlying Funds](#bookmark_uf_e8008fb9-0730-41c8-a99f-1a8fe80fa767).

**Phases of** [**Contract**](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767)

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The [Contracts](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) have two phases: an accumulation (savings) period and an annuity (income) period.

**Accumulation (Savings) Period**

During the [Accumulation Period](#bookmark_ap_e8008fb9-0730-41c8-a99f-1a8fe80fa767) you may allocate [Contributions](#bookmark_contrib_e8008fb9-0730-41c8-a99f-1a8fe80fa767) among the [Investment Alternatives](#bookmark_ia_e8008fb9-0730-41c8-a99f-1a8fe80fa767), subject to any restrictions contained in your [Employer's](#bookmark_emp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)[Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767). At any time, you may change your allocation instructions for future [Contributions](#bookmark_contrib_e8008fb9-0730-41c8-a99f-1a8fe80fa767) and transfer all or part of your [Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767) among the available [Investment](#bookmark_ia_e8008fb9-0730-41c8-a99f-1a8fe80fa767)[Alternatives](#bookmark_ia_e8008fb9-0730-41c8-a99f-1a8fe80fa767). [You](#bookmark_you_e8008fb9-0730-41c8-a99f-1a8fe80fa767) may allocate your [Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767) to our [General Account](#bookmark_ga_e8008fb9-0730-41c8-a99f-1a8fe80fa767), unless your [Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767) restricts allocations. We pay interest on the portion of your [Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767) allocated to our [General Account](#bookmark_ga_e8008fb9-0730-41c8-a99f-1a8fe80fa767) at a rate of interest determined from time to time by us. We have the full investment risk for amounts you allocate to the [General Account](#bookmark_ga_e8008fb9-0730-41c8-a99f-1a8fe80fa767). [You](#bookmark_you_e8008fb9-0730-41c8-a99f-1a8fe80fa767) may also allocate your [Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767) to any of the [Subaccounts](#bookmark_sub_e8008fb9-0730-41c8-a99f-1a8fe80fa767) of [Mutual of America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)[Separate Account](#bookmark_sa_e8008fb9-0730-41c8-a99f-1a8fe80fa767) No. 2. The name of each [Subaccount](#bookmark_sub_e8008fb9-0730-41c8-a99f-1a8fe80fa767) corresponds to the name of its [Underlying Fund](#bookmark_uf_e8008fb9-0730-41c8-a99f-1a8fe80fa767). When you allocate [Contributions](#bookmark_contrib_e8008fb9-0730-41c8-a99f-1a8fe80fa767) or transfer [Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767) to a [Subaccount](#bookmark_sub_e8008fb9-0730-41c8-a99f-1a8fe80fa767), the [Subaccount](#bookmark_sub_e8008fb9-0730-41c8-a99f-1a8fe80fa767) purchases shares in its [Underlying Fund](#bookmark_uf_e8008fb9-0730-41c8-a99f-1a8fe80fa767). A [Subaccount](#bookmark_sub_e8008fb9-0730-41c8-a99f-1a8fe80fa767) is called a "variable option," because you bear the investment risk that your [Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767) in the [Subaccount](#bookmark_sub_e8008fb9-0730-41c8-a99f-1a8fe80fa767) will increase or decrease based on the investment performance of the [Underlying Fund](#bookmark_uf_e8008fb9-0730-41c8-a99f-1a8fe80fa767). The [Subaccounts](#bookmark_sub_e8008fb9-0730-41c8-a99f-1a8fe80fa767) currently invest in forty-eight [Underlying Funds](#bookmark_uf_e8008fb9-0730-41c8-a99f-1a8fe80fa767), which have different investment objectives, investment policies and risks. Please refer to Appendix A to this Prospectus, entitled "[Underlying Funds](#bookmark_uf_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Available As Investment Options Under the [Contracts](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767)" and to the prospectuses of the [Underlying Funds](#bookmark_uf_e8008fb9-0730-41c8-a99f-1a8fe80fa767) for more information about the [Underlying Funds](#bookmark_uf_e8008fb9-0730-41c8-a99f-1a8fe80fa767)' investment objectives.

[***Contributions***](#bookmark_contrib_e8008fb9-0730-41c8-a99f-1a8fe80fa767) ***during the*** [***Accumulation Period***](#bookmark_ap_e8008fb9-0730-41c8-a99f-1a8fe80fa767)*.*** [Your](#bookmark_you_e8008fb9-0730-41c8-a99f-1a8fe80fa767)[Contributions](#bookmark_contrib_e8008fb9-0730-41c8-a99f-1a8fe80fa767) may be in the amounts and made at times a [Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767) permits. [Your](#bookmark_you_e8008fb9-0730-41c8-a99f-1a8fe80fa767)[Contributions](#bookmark_contrib_e8008fb9-0730-41c8-a99f-1a8fe80fa767) also must be in the amounts and at a frequency the [Employer](#bookmark_emp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) agrees to, based on your payroll period. We may refuse to accept initial or subsequent [Contributions](#bookmark_contrib_e8008fb9-0730-41c8-a99f-1a8fe80fa767) when we deem it appropriate to do so, including because of anti-money laundering laws or regulations or other legal requirements. We must receive each Contribution at our home office, along with a [Complete Order](#bookmark_co_e8008fb9-0730-41c8-a99f-1a8fe80fa767) containing all information to identify the person for whom and the [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) under which the Contribution is made, before we can credit the Contribution to your [Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767) (See "Definitions We Use in this Prospectus" for a description of [Complete Order](#bookmark_co_e8008fb9-0730-41c8-a99f-1a8fe80fa767)). If an employer sends us [Contributions](#bookmark_contrib_e8008fb9-0730-41c8-a99f-1a8fe80fa767), we will apply the [Contributions](#bookmark_contrib_e8008fb9-0730-41c8-a99f-1a8fe80fa767) when we receive the amounts at our home office or receive them by electronic funds transfer, or wire transfer of federal funds into our designated bank account along with a [Complete Order](#bookmark_co_e8008fb9-0730-41c8-a99f-1a8fe80fa767) containing all required identifying information.

***Minimum Required.*** [You](#bookmark_you_e8008fb9-0730-41c8-a99f-1a8fe80fa767) are not required to make any minimum amount of [Contributions](#bookmark_contrib_e8008fb9-0730-41c8-a99f-1a8fe80fa767).

***Who May Make*** [***Contributions***](#bookmark_contrib_e8008fb9-0730-41c8-a99f-1a8fe80fa767)*.*** Under a TDA [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767), you may make [Contributions](#bookmark_contrib_e8008fb9-0730-41c8-a99f-1a8fe80fa767) only by salary reduction agreement with your employer, on either a pre-tax or Designated Roth post-tax basis (subject to the provisions of the [Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767)).

***Limits on Amounts of*** [***Contributions***](#bookmark_contrib_e8008fb9-0730-41c8-a99f-1a8fe80fa767). The maximum annual [Contributions](#bookmark_contrib_e8008fb9-0730-41c8-a99f-1a8fe80fa767) under TDA [Contracts](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) are those amounts the [Code](#bookmark_code_e8008fb9-0730-41c8-a99f-1a8fe80fa767) permits for [Plans](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767).

**Annuity (Income) Period**

[You](#bookmark_you_e8008fb9-0730-41c8-a99f-1a8fe80fa767) can elect to annuitize and turn your [Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767) into a stream of income payments from [Mutual of](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)[America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767), at which time the [Accumulation Period](#bookmark_ap_e8008fb9-0730-41c8-a99f-1a8fe80fa767) of the [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) ends. These payments may continue for a fixed period of years, for your entire life, or for the longer of a fixed period or your life. If you annuitize, you will receive a stream of annuity payments. [You](#bookmark_you_e8008fb9-0730-41c8-a99f-1a8fe80fa767) will be unable to make withdrawals, unless provided for by the form of annuity you select, and death benefits will terminate.

------

[**Contract**](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) **Features**

------

We issue TDA [Contracts](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) to [Contractholder](#bookmark_conh_e8008fb9-0730-41c8-a99f-1a8fe80fa767) that have adopted [Plans](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767) under Section 403(b) of the [Code](#bookmark_code_e8008fb9-0730-41c8-a99f-1a8fe80fa767). A [Contractholder](#bookmark_conh_e8008fb9-0730-41c8-a99f-1a8fe80fa767) must be a tax-exempt organization under Section 501(c)(3) of the [Code](#bookmark_code_e8008fb9-0730-41c8-a99f-1a8fe80fa767) or an eligible public school or college, or an association that represents a Section 501(c)(3) tax-exempt organization or eligible public school or college or its employees.

***Death Benefits during the*** [***Accumulation Period***](#bookmark_ap_e8008fb9-0730-41c8-a99f-1a8fe80fa767)*.*** If you die before the [Annuity Commencement Date](#bookmark_acd_e8008fb9-0730-41c8-a99f-1a8fe80fa767), we will pay a death benefit to your [Beneficiary](#bookmark_ben_e8008fb9-0730-41c8-a99f-1a8fe80fa767).

The death benefit amount will be your [Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767), less any outstanding loans and interest, as of the date we receive proof of your death, the election of the [Beneficiary(ies)](#bookmark_ben_e8008fb9-0730-41c8-a99f-1a8fe80fa767) telling us how we should pay the death benefit and other information necessary to process the claim. The death benefit will be paid in accordance with the election of the [Beneficiary(ies)](#bookmark_ben_e8008fb9-0730-41c8-a99f-1a8fe80fa767). The [Beneficiary](#bookmark_ben_e8008fb9-0730-41c8-a99f-1a8fe80fa767) will select the form of death benefit, which may be a single sum, a form of annuity or fixed payments.

***Transfers and Withdrawals of*** [***Account Value***](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767)*.*** During the [Accumulation Period](#bookmark_ap_e8008fb9-0730-41c8-a99f-1a8fe80fa767), you may transfer all or a portion of your [Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767) among the [Investment Alternatives](#bookmark_ia_e8008fb9-0730-41c8-a99f-1a8fe80fa767). We do not assess a charge for transfers under the [Contracts](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767).

During the [Accumulation Period](#bookmark_ap_e8008fb9-0730-41c8-a99f-1a8fe80fa767), you may withdraw all or a portion of your [Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767) under all [Contracts](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767)except TDA [Contracts](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767). A TDA [Participant](#bookmark_part_e8008fb9-0730-41c8-a99f-1a8fe80fa767) generally may not withdraw the [Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767) until the [Participant](#bookmark_part_e8008fb9-0730-41c8-a99f-1a8fe80fa767)has reached the age of 59½, under restrictions in the [Code](#bookmark_code_e8008fb9-0730-41c8-a99f-1a8fe80fa767) and the TDA [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767). If you are married and are a [Participant](#bookmark_part_e8008fb9-0730-41c8-a99f-1a8fe80fa767) under a TDA [Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767), you may need the written consent of your [Eligible Spouse](#bookmark_es_e8008fb9-0730-41c8-a99f-1a8fe80fa767) for any withdrawal. In some cases, certain withdrawals may require the approval of the [Employer](#bookmark_emp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) or third party administrator, if applicable. We may take up to seven days following receipt of your withdrawal request to process the request and mail a check to you or electronically transfer funds to your bank account where available.

***Specified Payments Option.*** [You](#bookmark_you_e8008fb9-0730-41c8-a99f-1a8fe80fa767) may instruct us to withdraw a certain amount (at least $100) each month from your Investment Alternatives on a pro rata basis. Under a TDA [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767), to elect this Option you must either have reached age 59½ or terminated employment with the [Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767) sponsor if the TDA [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) is sponsored, during or after the year in which reaching age 55.

We do not charge a fee for withdrawals or partial withdrawals. [You](#bookmark_you_e8008fb9-0730-41c8-a99f-1a8fe80fa767) may have taxable income upon any withdrawal of your [Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767), except in the case of certain withdrawals from Designated Roth Accounts. [You](#bookmark_you_e8008fb9-0730-41c8-a99f-1a8fe80fa767) will be taxed at ordinary income tax rates on the amount withdrawn, except for the portion of the withdrawal that is considered to be a return of your after-tax [Contributions](#bookmark_contrib_e8008fb9-0730-41c8-a99f-1a8fe80fa767) (if any). The taxable portion of withdrawals, and in certain cases the nontaxable portion of withdrawals from Designated Roth Accounts, may be subject to a 10% tax penalty. The tax penalty is not due if you have reached the age of 59½, are disabled or in certain other circumstances.

The [Code](#bookmark_code_e8008fb9-0730-41c8-a99f-1a8fe80fa767) imposes minimum distribution requirements for TDA [Contracts](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) when you reach a certain age or in some other circumstances. [You](#bookmark_you_e8008fb9-0730-41c8-a99f-1a8fe80fa767) may be required to make partial withdrawals of [Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767), or may choose to begin receiving [Annuity Payments](#bookmark_annp_e8008fb9-0730-41c8-a99f-1a8fe80fa767), to meet the minimum distribution requirements.

***Loans.*** We make available a loan option under TDA [Contracts](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767). If you have a loan under a TDA [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767), your [Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767) in the [General Account](#bookmark_ga_e8008fb9-0730-41c8-a99f-1a8fe80fa767) after a transfer or withdrawal must be at least equal to the loan collateral security amount.

------

**Important Information You Should Consider About the** <br> **TDA Contract**

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| | | | | |
|:---|:---|:---|:---|:---|
|  | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | &nbsp;&nbsp; **LOCATION IN** <br> **PROSPECTUS**<br>|
| **Are There** <br> **Charges for Early** <br> **Withdrawals?**<br>| **No.** | **No.** | **No.** | Charges |
| **Are There** <br> **Transaction** <br> **Charges?**<br>| &nbsp;&nbsp; **No,** there are no charges for transactions under the [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767), <br> other than certain fees associated with [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) loans. | &nbsp;&nbsp; **No,** there are no charges for transactions under the [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767), <br> other than certain fees associated with [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) loans. | &nbsp;&nbsp; **No,** there are no charges for transactions under the [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767), <br> other than certain fees associated with [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) loans. | Charges |
| **Are There** <br> **Ongoing Fees** <br> **and Expenses?**<br> (annual charges) | &nbsp;&nbsp; **Yes,** the table below describes the fees and expenses that you <br> may pay *each year,* depending on the Investment Alternatives <br> and optional benefits you choose. Loan interest is not reflected in <br> the table. Please refer to your [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) specifications page for <br> information about the specific fees you will pay each year based <br> on the options you have elected.  | &nbsp;&nbsp; **Yes,** the table below describes the fees and expenses that you <br> may pay *each year,* depending on the Investment Alternatives <br> and optional benefits you choose. Loan interest is not reflected in <br> the table. Please refer to your [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) specifications page for <br> information about the specific fees you will pay each year based <br> on the options you have elected.  | &nbsp;&nbsp; **Yes,** the table below describes the fees and expenses that you <br> may pay *each year,* depending on the Investment Alternatives <br> and optional benefits you choose. Loan interest is not reflected in <br> the table. Please refer to your [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) specifications page for <br> information about the specific fees you will pay each year based <br> on the options you have elected.  | Charges |
| **Are There** <br> **Ongoing Fees** <br> **and Expenses?**<br> (annual charges) | **ANNUAL FEE** | **MIN.** | **MAX.** | Charges |
| **Are There** <br> **Ongoing Fees** <br> **and Expenses?**<br> (annual charges) | &nbsp;&nbsp;&nbsp;&nbsp; 1. Base [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) (varies by <br> [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) class)<br>| 0.27%<sup>1</sup> <br>| 1.48%<sup>1</sup> <br>| Charges |
| **Are There** <br> **Ongoing Fees** <br> **and Expenses?**<br> (annual charges) | &nbsp;&nbsp;&nbsp;&nbsp; 2. Underlying Fund fees and <br> expenses<br>| 0.14%<sup>2</sup> <br>| 8.91%<sup>2</sup> <br>| Charges |
| **Are There** <br> **Ongoing Fees** <br> **and Expenses?**<br> (annual charges) | &nbsp;&nbsp;&nbsp;&nbsp; 3. Optional benefits available <br> for an additional charge<br>| NA | NA | Charges |
| **Are There** <br> **Ongoing Fees** <br> **and Expenses?**<br> (annual charges) | &nbsp;&nbsp; <sup>1</sup> As a percentage of the Separate Account value. There are <br> several classes of the [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767), each of which has a different <br> [Separate Account](#bookmark_sa_e8008fb9-0730-41c8-a99f-1a8fe80fa767) charge, based upon the total contract assets <br> in the [Separate Account](#bookmark_sa_e8008fb9-0730-41c8-a99f-1a8fe80fa767)and the [General Account](#bookmark_ga_e8008fb9-0730-41c8-a99f-1a8fe80fa767). See the <br> "Charges" section of the Prospectus for a description of the <br> different classes of the [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) and related charges.<br> <sup>2</sup> As a percentage of the net asset value of the [Underlying Fund](#bookmark_uf_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> assets. Net of fee waivers, the max is 1.24%. | &nbsp;&nbsp; <sup>1</sup> As a percentage of the Separate Account value. There are <br> several classes of the [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767), each of which has a different <br> [Separate Account](#bookmark_sa_e8008fb9-0730-41c8-a99f-1a8fe80fa767) charge, based upon the total contract assets <br> in the [Separate Account](#bookmark_sa_e8008fb9-0730-41c8-a99f-1a8fe80fa767)and the [General Account](#bookmark_ga_e8008fb9-0730-41c8-a99f-1a8fe80fa767). See the <br> "Charges" section of the Prospectus for a description of the <br> different classes of the [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) and related charges.<br> <sup>2</sup> As a percentage of the net asset value of the [Underlying Fund](#bookmark_uf_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> assets. Net of fee waivers, the max is 1.24%. | &nbsp;&nbsp; <sup>1</sup> As a percentage of the Separate Account value. There are <br> several classes of the [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767), each of which has a different <br> [Separate Account](#bookmark_sa_e8008fb9-0730-41c8-a99f-1a8fe80fa767) charge, based upon the total contract assets <br> in the [Separate Account](#bookmark_sa_e8008fb9-0730-41c8-a99f-1a8fe80fa767)and the [General Account](#bookmark_ga_e8008fb9-0730-41c8-a99f-1a8fe80fa767). See the <br> "Charges" section of the Prospectus for a description of the <br> different classes of the [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) and related charges.<br> <sup>2</sup> As a percentage of the net asset value of the [Underlying Fund](#bookmark_uf_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> assets. Net of fee waivers, the max is 1.24%. | Charges |

---

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**FEES AND EXPENSES** **LOCATION IN** **PROSPECTUS** 

\* Net of fee waivers, the highest annual cost estimate will be$2,785. 

**RISKS** **LOCATION IN** **PROSPECTUS** 

------

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| | | |
|:---|:---|:---|
|  | **RISKS** | &nbsp;&nbsp; **LOCATION IN** <br> **PROSPECTUS**<br>|
| **What Are the** <br> **Risks Related to** <br> **the Insurance** <br> **Company?**<br>| &nbsp;&nbsp; An investment in the [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) is subject to the risks related to <br> [Mutual of America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767), including that any obligations (including <br> under the [General Account](#bookmark_ga_e8008fb9-0730-41c8-a99f-1a8fe80fa767)), guarantees, and benefits of the <br> [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) are subject to the claims paying ability of [Mutual of](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767). More information about [Mutual of America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767), including its <br> financial strength ratings, is available upon request from [Mutual](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [of America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) by calling our toll-free number, 800.468.3785 or by <br> visiting our website at mutualofamerica.com. | &nbsp;&nbsp; General <br> Description of <br> [Separate](#bookmark_sa_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [Account](#bookmark_sa_e8008fb9-0730-41c8-a99f-1a8fe80fa767)No. 2, <br> [Mutual of](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767), and <br> [Underlying Funds](#bookmark_uf_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> Our [General](#bookmark_ga_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [Account](#bookmark_ga_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br>|
|  | **RESTRICTIONS** | &nbsp;&nbsp; **LOCATION IN** <br> **PROSPECTUS**<br>|
| **Are There Limits** <br> **on the** <br> **Investment** <br> **Options?**<br>| &nbsp;&nbsp; **Yes,** your ability to allocate [Contributions](#bookmark_contrib_e8008fb9-0730-41c8-a99f-1a8fe80fa767) among the [Investment](#bookmark_ia_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [Alternatives](#bookmark_ia_e8008fb9-0730-41c8-a99f-1a8fe80fa767) is subject to any restrictions contained in your <br> [Employer's](#bookmark_emp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)[Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767). If your [Employer's](#bookmark_emp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)[Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767) permits transfers to <br> other contracts, you may transfer your [Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767) but only to <br> a provider specifically identified in the [Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767). Transfers while you <br> are actively employed to any provider not specified in the [Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> are prohibited.<br> We may remove an [Underlying Fund](#bookmark_uf_e8008fb9-0730-41c8-a99f-1a8fe80fa767) or limit its availability to new <br> [Contributions](#bookmark_contrib_e8008fb9-0730-41c8-a99f-1a8fe80fa767) and/or transfers of [Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767) if we determine <br> that an [Underlying Fund](#bookmark_uf_e8008fb9-0730-41c8-a99f-1a8fe80fa767) no longer satisfies one or more of our <br> selection criteria. | &nbsp;&nbsp; General <br> Description of <br> [Separate](#bookmark_sa_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [Account](#bookmark_sa_e8008fb9-0730-41c8-a99f-1a8fe80fa767)No. 2, <br> [Mutual of](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767), and <br> [Underlying Funds](#bookmark_uf_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br>|
| **Are There any** <br> **Restrictions on** <br> **Contract** <br> **Benefits?**<br>| &nbsp;&nbsp; **Yes,** unless your Plan does not provide for loans, we make <br> available a loan option under a TDA Contract. You have the right <br> to borrow funds using your Account Value as collateral security. <br> Your Employer's Plan may or may not permit loans to be taken <br> from or secured by amounts held in a Designated Roth Account. <br> The maximum amount that can be taken as a loan is limited <br> under the Code, based on your account balance. Generally, a <br> Participant can borrow no more than the lesser of (a) the greater <br> of $10,000 or 50% of the Participant's vested account balance; <br> or (b) $50,000. The maximum amount that a Participant can <br> borrow is also limited if the Participant has another outstanding <br> loan. Certain exceptions may permit a Participant to take a larger <br> loan under circumstances specified by law from time to time.<br> We will not permit you to make withdrawals or transfers of the <br> collateral security amount while the loan is outstanding. | Loans |
|  | **TAXES** | &nbsp;&nbsp; **LOCATION IN** <br> **PROSPECTUS**<br>|
| **What Are the** <br> **Contract's Tax** <br> **Implications?**<br>| &nbsp;&nbsp; [You](#bookmark_you_e8008fb9-0730-41c8-a99f-1a8fe80fa767) should consult with a tax professional to determine the tax <br> implications of an investment in and [Contributions](#bookmark_contrib_e8008fb9-0730-41c8-a99f-1a8fe80fa767) made under <br> the [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767).<br> Because the [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) is purchased through a tax-qualified [Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767), <br> there are no additional tax benefits to the Contract.<br> Withdrawals will be subject to ordinary income tax, and may be <br> subject to tax penalties. | Taxes |

---

------

---

| | | |
|:---|:---|:---|
|  | **CONFLICTS OF INTEREST** | &nbsp;&nbsp; **LOCATION IN** <br> **PROSPECTUS**<br>|
| **How Are** <br> **Investment** <br> **Professionals** <br> **Compensated?**<br>| &nbsp;&nbsp; Mutual of America offers the Contracts for sale through certain <br> of our employees who are registered representatives of Mutual <br> of America Securities LLC, the principal underwriter of the <br> Contracts. The only compensation we pay to registered <br> representatives for sales of the Contracts is in the form of salary, <br> plus annual incentive compensation based on achievement of <br> certain individual and/or Company sales objectives. There are no <br> commissions or fees payable for sales of the Contracts.<br> With regard to non-cash compensation, representatives and <br> certain staff from the top performing regional offices, as well as <br> other high performing representatives, are eligible to attend a trip <br> to a Company-hosted sales conference or other <br> Company-hosted event.<br> The existence of such forms of compensation could influence a <br> registered representative to recommend this [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) over <br> another investment. | &nbsp;&nbsp; Purchases and <br> [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Value<br>|
| **Should I** <br> **Exchange My** <br> **Contract?**<br>| &nbsp;&nbsp; Registered representatives may have a financial incentive to offer <br> a participant a new contract in place of the one the participant <br> already owns. A participant should only exchange their Contract <br> if the participant determines, after comparing the features, fees, <br> and risks of both contracts, that it is preferable for the participant <br> to purchase the new contract rather than continue to own the <br> existing contract. | &nbsp;&nbsp; Purchases and <br> Contract Value<br>|

---

------

**Benefits Available Under the Contract**

The following table summarizes information about the benefits available under the [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Name of Benefit** | **Purpose** | **Is Benefit** <br> **Standard or** <br> **Optional**<br>| **Maximum Fee** | **Brief Description** <br> **of Restrictions/** <br> **Limitations**<br>|
| Death benefit <br> during <br> Accumulation <br> Period equal to <br> [Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br>| To provide a death <br> benefit to one or <br> more Beneficiaries, <br> upon the death of <br> the [Participant](#bookmark_part_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> during the <br> accumulation period<br>| Standard | No specific fee for <br> the death benefit – <br> included as part of <br> overall [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> charges<br>| Death benefit <br> amount is reduced <br> by the amount of <br> any outstanding <br> loans and interest<br>|
| Loans under a <br> TDA Contract<br>| To borrow using <br> your Account Value <br> as collateral <br> security for the loan<br>| Optional | The maximum loan <br> interest is the Prime <br> Rate +1%. The <br> origination fee for <br> loans repaid by <br> payroll deduction is <br> $75, with an annual <br> fee of $15 per year. <br> There is a $350 <br> origination fee for <br> loans repaid <br> through home <br> billing.<br>| If you have a loan <br> under a TDA <br> Contract, your <br> Account Value in <br> the General <br> Account after a <br> transfer or <br> withdrawal must be <br> at least equal to the <br> loan collateral <br> security amount.<br>|

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

**Purchases and Contract Value**

**Purchase of a TDA** [**Contract**](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767)**; Participation**

------

We issue TDA [Contracts](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) to employers or other entities that are seeking a funding vehicle for group tax-sheltered annuity arrangements established under Section 403(b) of the [Code](#bookmark_code_e8008fb9-0730-41c8-a99f-1a8fe80fa767). [Contractholders](#bookmark_conh_e8008fb9-0730-41c8-a99f-1a8fe80fa767) must be:

&nbsp;&nbsp;&nbsp;&nbsp;● organizations that qualify for tax-exempt status under Section 501(c)(3) of the [Code](#bookmark_code_e8008fb9-0730-41c8-a99f-1a8fe80fa767), or

&nbsp;&nbsp;&nbsp;&nbsp;● eligible public schools or colleges, or

&nbsp;&nbsp;&nbsp;&nbsp;● associations that represent such entities or their employees.

If you are an eligible employee of an employer that has adopted a tax-sheltered annuity arrangement funded by a TDA [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767), you may become a [Participant](#bookmark_part_e8008fb9-0730-41c8-a99f-1a8fe80fa767) by completing our enrollment form.

***Participation.*** Each [Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767) specifies the eligibility requirements for an employee's participation, which may include requirements for minimum age or years of service or allow entry into the [Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767) only on specified dates. We or the [Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767) may require you to execute agreements and applications on prescribed forms, including a salary reduction agreement or payroll deduction agreement with the [Employer](#bookmark_emp_e8008fb9-0730-41c8-a99f-1a8fe80fa767).

***Acceptance of*** [***Plan***](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767) ***Asset Transfers for TDA*** [***Plans***](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767)*.*** A [Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Asset Transfer is a transfer to the [Company](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) on behalf of the [Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767) of assets held for the [Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767) by another financial institution. In connection with a [Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Asset Transfer, we require that the data transferred on behalf of the [Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767) by the [Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767) recordkeeper be in a format acceptable to us. We will effectuate transactions under the [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) when we have received a [Complete Order](#bookmark_co_e8008fb9-0730-41c8-a99f-1a8fe80fa767)

------

(see "Definitions We Use in this Prospectus" for a definition of [Complete Order](#bookmark_co_e8008fb9-0730-41c8-a99f-1a8fe80fa767)). For a [Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Asset Transfer that we determine is not a [Complete Order](#bookmark_co_e8008fb9-0730-41c8-a99f-1a8fe80fa767), we will seek to obtain the necessary information for the transaction to be a [Complete Order](#bookmark_co_e8008fb9-0730-41c8-a99f-1a8fe80fa767) so the [Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Asset Transfer can be applied as an allocated [Contribution](#bookmark_contrib_e8008fb9-0730-41c8-a99f-1a8fe80fa767) under the [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767).

In order to allocate the proper portion of the [Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Asset Transfer to each individual [Participant's](#bookmark_part_e8008fb9-0730-41c8-a99f-1a8fe80fa767) account and invest it under the [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767), we must receive a [Complete Order](#bookmark_co_e8008fb9-0730-41c8-a99f-1a8fe80fa767). At the direction of the [Employer](#bookmark_emp_e8008fb9-0730-41c8-a99f-1a8fe80fa767), a [Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Asset Transfer that is not a [Complete Order](#bookmark_co_e8008fb9-0730-41c8-a99f-1a8fe80fa767) will be held in a non-interest bearing bank account for a short period of time. When we obtain the necessary information required for the [Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Asset Transfer to constitute a [Complete](#bookmark_co_e8008fb9-0730-41c8-a99f-1a8fe80fa767)[Order](#bookmark_co_e8008fb9-0730-41c8-a99f-1a8fe80fa767), we will transfer the [Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Asset Transfer from the non-interest bearing bank account to the [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) as an allocated [Contribution](#bookmark_contrib_e8008fb9-0730-41c8-a99f-1a8fe80fa767) and allocate the appropriate amounts to each individual [Participant's](#bookmark_part_e8008fb9-0730-41c8-a99f-1a8fe80fa767) account under the [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) and to the investment alternatives available under the [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) as directed. If we do not obtain the necessary information within a reasonable period of time, not to exceed 45 calendar days, we will return the [Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Asset Transfer assets to the [Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767) trustee, if any, or otherwise to the financial institution designated by the [Employer](#bookmark_emp_e8008fb9-0730-41c8-a99f-1a8fe80fa767).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

**Our Payment of Account Value to You or a Beneficiary – TDA Contracts**

Under a TDA [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767), your right to withdraw all or any portion of your [Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767) is restricted by federal tax law. If you are under age 59½, you will not be able to withdraw your [Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767), except in circumstances such as death or disability, hardship, or termination of employment. (There are special rules permitting withdrawal of [Contributions](#bookmark_contrib_e8008fb9-0730-41c8-a99f-1a8fe80fa767) made on or before January 1, 1989 and withdrawal of earnings and interest credited to your [Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767) by that date.) When you make a withdrawal for hardship, you may not withdraw post-1988 earnings or interest on your [Contributions](#bookmark_contrib_e8008fb9-0730-41c8-a99f-1a8fe80fa767) under a salary reduction agreement. In addition, if you are married, consent of your [Eligible Spouse](#bookmark_es_e8008fb9-0730-41c8-a99f-1a8fe80fa767) may be required for withdrawals under TDA [Contracts](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767). In some cases, certain withdrawals under 403(b) [Plans](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767) may require the approval of the [Employer](#bookmark_emp_e8008fb9-0730-41c8-a99f-1a8fe80fa767), provider, carrier or third party administrator, if applicable. The amount withdrawn from each Investment Alternative that comprises your Account Value will be withdrawn proportionally from all Investment Alternatives in your account at the time of the withdrawal request, unless you instruct us otherwise.

A full withdrawal from your TDA [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) terminates your participation in the TDA [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) if you have terminated your employment with the [Employer](#bookmark_emp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) or you are no longer covered by the [Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767). We may take up to seven days following receipt of your withdrawal request to process the request and mail a check to you or electronically transfer funds to your bank account where available.

***Single Sum Payment upon Termination of Employment.*** [Your](#bookmark_you_e8008fb9-0730-41c8-a99f-1a8fe80fa767)[Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767) may provide that, if your [Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767)is $1,000 or less (or a higher amount as may be permitted under provisions of the [Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767) and applicable laws) when you terminate employment with the [Employer](#bookmark_emp_e8008fb9-0730-41c8-a99f-1a8fe80fa767), we will pay your [Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767) to you in a single sum payment.

***Specified Payments Option.*** If you have reached age 59½ or, for TDA [Contracts](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767), terminated employment with the [Plan](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767) sponsor (if the TDA [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) is sponsored), during or after the year in which reaching age 55 under a TDA [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) you may elect automatic withdrawals of your [Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767).

[You](#bookmark_you_e8008fb9-0730-41c8-a99f-1a8fe80fa767) must specify an amount, which may not be less than $100. Unless you direct us otherwise, such amount will be taken proportionally across your Investment Alternatives.

When you are receiving Specified Payments under a TDA [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767), you and your employer may continue to make [Contributions](#bookmark_contrib_e8008fb9-0730-41c8-a99f-1a8fe80fa767) on your behalf. [You](#bookmark_you_e8008fb9-0730-41c8-a99f-1a8fe80fa767) also may transfer your [Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767) among [Investment Alternatives](#bookmark_ia_e8008fb9-0730-41c8-a99f-1a8fe80fa767)and make other withdrawals when receiving Specified Payments.

Specified Payments will continue until the earliest of:

&nbsp;&nbsp;&nbsp;&nbsp;● your death;

&nbsp;&nbsp;&nbsp;&nbsp;● our receipt of your written request to change or end the Specified Payments;

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;● your [Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767) (or your balance in any [Investment Alternative](#bookmark_ia_e8008fb9-0730-41c8-a99f-1a8fe80fa767) that you have designated for withdrawals) declines so that the remaining balance is not large enough to cover the next Specified Payment due; or

&nbsp;&nbsp;&nbsp;&nbsp;● your [Annuity Commencement Date](#bookmark_acd_e8008fb9-0730-41c8-a99f-1a8fe80fa767).

If you are subject to the minimum distribution rules under the [Code](#bookmark_code_e8008fb9-0730-41c8-a99f-1a8fe80fa767), the Specified Payments for the year should at least total the minimum required annual distribution (see "Minimum Required Distributions" under "Taxes").

***Income Tax Consequences of Withdrawals.*** [You](#bookmark_you_e8008fb9-0730-41c8-a99f-1a8fe80fa767) should consider the possible federal income tax consequences of any withdrawal, including withdrawals under the Specified Payments Option. [You](#bookmark_you_e8008fb9-0730-41c8-a99f-1a8fe80fa767) will be taxed at ordinary income tax rates on the portion of your withdrawal that is taxable. [You](#bookmark_you_e8008fb9-0730-41c8-a99f-1a8fe80fa767) will not be taxed on the amount of any [Contributions](#bookmark_contrib_e8008fb9-0730-41c8-a99f-1a8fe80fa767) you made with "after-tax" dollars, but there are special rules under the [Code](#bookmark_code_e8008fb9-0730-41c8-a99f-1a8fe80fa767)for determining whether a withdrawal, or portion of a withdrawal, will be considered a return to you of after-tax [Contributions](#bookmark_contrib_e8008fb9-0730-41c8-a99f-1a8fe80fa767) (see "Taxes").

***Penalty Tax on Taxable Portion of Withdrawals.*** There is a 10% federal penalty tax on the taxable amount of withdrawals you make during the [Accumulation Period](#bookmark_ap_e8008fb9-0730-41c8-a99f-1a8fe80fa767), unless

&nbsp;&nbsp;&nbsp;&nbsp;● you have reached age 59½

&nbsp;&nbsp;&nbsp;&nbsp;● you are disabled or have died

&nbsp;&nbsp;&nbsp;&nbsp;● the distributions are [Annuity Payments](#bookmark_annp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) over your life (or life expectancy) or over the joint lives (or joint life expectancies) of you and the [Beneficiary](#bookmark_ben_e8008fb9-0730-41c8-a99f-1a8fe80fa767), or

&nbsp;&nbsp;&nbsp;&nbsp;● in certain other circumstances.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

**Fee Table – TDA Contracts**

**The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from an Investment Alternative or from the** [**Contract**](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767)**. Please refer to your Contract specifications page for information about the specific fees you will pay each year.**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **I.The first table describes the fees and expenses that you will pay when you become a** [**I.**Participant](#bookmark_part_e8008fb9-0730-41c8-a99f-1a8fe80fa767), when you surrender or make withdrawals from an Investment Alternative or from your [**I.**Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) or participation interest or when you transfer your [**I.**Account Value](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767) among [**I.**Investment Alternatives](#bookmark_ia_e8008fb9-0730-41c8-a99f-1a8fe80fa767). State premium taxes may also be deducted but we do not currently deduct them.

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| | | | | |
|:---|:---|:---|:---|:---|
| [**Participant**](#bookmark_part_e8008fb9-0730-41c8-a99f-1a8fe80fa767) **Transaction** <br> **Expenses**<br>| **Maximum** | **Maximum** | **Current** | **Current** |
| Sales Load Imposed on <br> [Contributions](#bookmark_contrib_e8008fb9-0730-41c8-a99f-1a8fe80fa767) (as a <br> percentage of [Contributions](#bookmark_contrib_e8008fb9-0730-41c8-a99f-1a8fe80fa767))<br>| None | None | None | None |
| Deferred Sales Load (or <br> Surrender Charge) (as a <br> percentage of [Contributions](#bookmark_contrib_e8008fb9-0730-41c8-a99f-1a8fe80fa767) or <br> amount surrendered, as <br> applicable)<br>| None | None | None | None |
| Transfer Fee |  | None |  | None |

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| | | | |
|:---|:---|:---|:---|
| **Participant Transaction** <br> **Expenses**<br>| **Maximum** | **Maximum** | **Current** |
| Loan Fees | Maximum Loan Interest | Higher of the <br> Moody's® <br> Corporate <br> Yield Average <br> or 1% above <br> the current <br> rate of interest <br> credited to <br> [Account](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [Values](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767) held in <br> the [General](#bookmark_ga_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [Account](#bookmark_ga_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br>|  |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **II.The next table describes the fees and expenses that you will pay *each year* during the time that you are a** [**II.Participant**](#bookmark_part_e8008fb9-0730-41c8-a99f-1a8fe80fa767) **(not including charged by the** [**II.Underlying Fund**](#bookmark_uf_e8008fb9-0730-41c8-a99f-1a8fe80fa767) **fees and expenses). If you choose to purchase an optional benefit, you will pay additional charges, as shown below.**

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **ANNUAL** [**CONTRACT**](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767)**EXPENSES** | **ANNUAL** [**CONTRACT**](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767)**EXPENSES** | **ANNUAL** [**CONTRACT**](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767)**EXPENSES** | **ANNUAL** [**CONTRACT**](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767)**EXPENSES** | **ANNUAL** [**CONTRACT**](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767)**EXPENSES** | **ANNUAL** [**CONTRACT**](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767)**EXPENSES** | **ANNUAL** [**CONTRACT**](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767)**EXPENSES** | **ANNUAL** [**CONTRACT**](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767)**EXPENSES** | **ANNUAL** [**CONTRACT**](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767)**EXPENSES** |
|  | **Maximum** | **Standard** | **Tier 1** <br> **Reduced**<br> **Fees (2)**<br>| **Tier 2** <br> **Reduced**<br> **Fees (2)**<br>| **Tier 3** <br> **Reduced**<br> **Fees (2)**<br>| **Tier 4** <br> **Reduced**<br> **Fees (2)**<br>| **Tier 5** <br> **Reduced**<br> **Fees (2)**<br>| **Inactive**<br> **(3)**<br>|
| **Administrative** <br> **Expenses** <br> **(Annual** <br> [**Contract**](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767)**Fee)**<br>| ***$24*** | ***$24(1)*** | ***$24(1)*** | ***$24(1)*** | ***$24(1)*** | ***$24(1)*** | ***$24(1)*** | ***$24(1)*** |
| **Base** [**Contract**](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> **Expenses (as** <br> **a percentage** <br> **of average** <br> [**Account**](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [**Value**](#bookmark_av_e8008fb9-0730-41c8-a99f-1a8fe80fa767)**)(5)**<br>| ***2.00%*** | ***1.45%(4)*** | ***.25%(4)*** | ***.35%(4)*** | ***.45%(4)*** | ***.60%(4)*** | ***.95%(4)*** | ***1.95%(4)*** |
| **Loan Interest** <br> **Rate**<br>| Collateralized Loans: Net Loan Interest Rate of 3%, which represents the difference <br> between the interest rate charged on a loan and the maximum credited rate for collateral <br> held in the General Account Uncollateralized Loans: Prime Rate +1% | Collateralized Loans: Net Loan Interest Rate of 3%, which represents the difference <br> between the interest rate charged on a loan and the maximum credited rate for collateral <br> held in the General Account Uncollateralized Loans: Prime Rate +1% | Collateralized Loans: Net Loan Interest Rate of 3%, which represents the difference <br> between the interest rate charged on a loan and the maximum credited rate for collateral <br> held in the General Account Uncollateralized Loans: Prime Rate +1% | Collateralized Loans: Net Loan Interest Rate of 3%, which represents the difference <br> between the interest rate charged on a loan and the maximum credited rate for collateral <br> held in the General Account Uncollateralized Loans: Prime Rate +1% | Collateralized Loans: Net Loan Interest Rate of 3%, which represents the difference <br> between the interest rate charged on a loan and the maximum credited rate for collateral <br> held in the General Account Uncollateralized Loans: Prime Rate +1% | Collateralized Loans: Net Loan Interest Rate of 3%, which represents the difference <br> between the interest rate charged on a loan and the maximum credited rate for collateral <br> held in the General Account Uncollateralized Loans: Prime Rate +1% | Collateralized Loans: Net Loan Interest Rate of 3%, which represents the difference <br> between the interest rate charged on a loan and the maximum credited rate for collateral <br> held in the General Account Uncollateralized Loans: Prime Rate +1% | Collateralized Loans: Net Loan Interest Rate of 3%, which represents the difference <br> between the interest rate charged on a loan and the maximum credited rate for collateral <br> held in the General Account Uncollateralized Loans: Prime Rate +1% |

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(1) <u>Annual</u> [<u>Contract</u>](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) <u>Fee.</u> The Annual Contract Fee of $24.00 is charged at a rate of $2 per month, subject to waiver as discussed in "Monthly [Participant](#bookmark_part_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Charges" under the "Charges" section of the Prospectus.

(2) [<u>Reduced Fees</u>](#bookmark_rf_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<u>.</u> TDA [Plans](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767) may become eligible for the Tier 1 [Reduced Fee](#bookmark_rf_e8008fb9-0730-41c8-a99f-1a8fe80fa767), Tier 2 [Reduced Fee](#bookmark_rf_e8008fb9-0730-41c8-a99f-1a8fe80fa767), Tier 3 [Reduced Fee](#bookmark_rf_e8008fb9-0730-41c8-a99f-1a8fe80fa767), Tier 4 [Reduced Fee](#bookmark_rf_e8008fb9-0730-41c8-a99f-1a8fe80fa767) or Tier 5 [Reduced Fee](#bookmark_rf_e8008fb9-0730-41c8-a99f-1a8fe80fa767) if they have minimum amounts of assets in the [Separate Account](#bookmark_sa_e8008fb9-0730-41c8-a99f-1a8fe80fa767) and the [General Account](#bookmark_ga_e8008fb9-0730-41c8-a99f-1a8fe80fa767) combined ($50 million for the Tier 1 [Reduced Fee](#bookmark_rf_e8008fb9-0730-41c8-a99f-1a8fe80fa767), $25 million for the Tier 2 [Reduced Fee](#bookmark_rf_e8008fb9-0730-41c8-a99f-1a8fe80fa767), $5 million for the Tier 3 [Reduced Fee](#bookmark_rf_e8008fb9-0730-41c8-a99f-1a8fe80fa767), $2 million for the Tier 4 [Reduced Fee](#bookmark_rf_e8008fb9-0730-41c8-a99f-1a8fe80fa767)and $1 million for the Tier 5 [Reduced Fee](#bookmark_rf_e8008fb9-0730-41c8-a99f-1a8fe80fa767)) and satisfy the other criteria specified in the Charges section of this Prospectus. [Plans](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767) that do not qualify for [Reduced Fees](#bookmark_rf_e8008fb9-0730-41c8-a99f-1a8fe80fa767) because they have assets in the [Separate](#bookmark_sa_e8008fb9-0730-41c8-a99f-1a8fe80fa767)Account and the [General Account](#bookmark_ga_e8008fb9-0730-41c8-a99f-1a8fe80fa767) combined of less than $1 million, will be charged the Standard [Separate](#bookmark_sa_e8008fb9-0730-41c8-a99f-1a8fe80fa767)Account annual charge.

(3) <u>Inactive Plans.</u> An Inactive Plan will no longer be eligible for the standard Separate Account annual charge or Reduced Fees as of the last Valuation Day of the quarter in which it became an Inactive Plan. For more information see the "Charges" section of the Prospectus.

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(4) <u>Reductions in</u> [<u>Separate Account</u>](#bookmark_sa_e8008fb9-0730-41c8-a99f-1a8fe80fa767) <u>Annual Expenses.</u> [Separate Account](#bookmark_sa_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Annual Expenses are reduced for [Plans](#bookmark_plan_e8008fb9-0730-41c8-a99f-1a8fe80fa767) that are part of certain national accounts. For more information see the "Charges" section of the Prospectus.

(5) Expense Risk Fee, Administrative Charges and Distribution Expense Charge may not exceed 2.00% of average Account Value the aggregate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **III.The next item shows the minimum and maximum total operating expenses charged by the** [**III.Underlying Funds**](#bookmark_uf_e8008fb9-0730-41c8-a99f-1a8fe80fa767) **that you may pay periodically during the time that you are a** [**III.Participant**](#bookmark_part_e8008fb9-0730-41c8-a99f-1a8fe80fa767)**. Expenses shown may change over time and may be higher or lower in the future. A complete list of** [**III.Underlying Funds**](#bookmark_uf_e8008fb9-0730-41c8-a99f-1a8fe80fa767) **available under the** [**III.Contract**](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767)**, including their annual expenses, may be found in the Appendix to this Prospectus entitled "**[**III.Underlying**](#bookmark_uf_e8008fb9-0730-41c8-a99f-1a8fe80fa767)**Funds As Investment Options Available Under the** [**III.Contract**](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767)**".**

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| | | |
|:---|:---|:---|
|  | **Minimum** | **Maximum** |
| &nbsp;&nbsp;&nbsp; **Annual** [**Underlying Fund**](#bookmark_uf_e8008fb9-0730-41c8-a99f-1a8fe80fa767) **Expenses**<br> (expenses deducted from [Underlying Fund](#bookmark_uf_e8008fb9-0730-41c8-a99f-1a8fe80fa767) assets, including management fees, <br> distribution and/or service (12b-1) fees, and other expenses, as a percentage of <br> [Underlying Fund](#bookmark_uf_e8008fb9-0730-41c8-a99f-1a8fe80fa767) average net assets)<br>| 0.14% | 8.91% |
| &nbsp;&nbsp;&nbsp; **Net Annual Underlying Fund Expenses**<br> (expenses deducted from the Underlying Fund assets, including management <br> fees, distribution and/or service (12b-1) fees, and other expenses as a percentage <br> of Underlying Fund average net assets) (after expense reimbursement)\*<br>| 0.14% | 1.24% |

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\*

Certain of the Underlying Funds, including the fund with the maximum total annual fund operating expenses (before expense reimbursement), are subject to an expense reimbursement arrangement between such underlying funds and the investment adviser, which is expected to continue until at least April 30, 2027.

**Example**

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**This Example below is intended to help you compare the cost of investing in the Subaccounts with the cost of investing in other variable annuity contracts. These costs include transaction expenses, Annual Contract Fees, Base Contract Expenses, and Underlying Fund fees and expenses and exclude Loan fees.** 

**The Example assumes that you invest $100,000 under a Contract for the time periods indicated and that all Account Value is allocated to the Subaccounts.**

**We do not impose a surrender charge when you make a withdrawal of Account Value. As a result, the expenses would be the same whether or not you surrender the Account Value, or apply the Account Value for the purchase of an annuity (annuitize), at the end of the applicable time period.** 

**The Example also assumes that your investment has a 5% annual rate of return each year and assumes the maximum Underlying Fund Fees and Expenses, the maximum Annual Contract Fee, the maximum Base Contract Expenses and optional benefits available for an additional charge. Although your actual costs may be higher or lower, based on these assumptions, your costs would be:** 

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| | | | |
|:---|:---|:---|:---|
| **1 Year** | **3 Years** | **5 Years** | **10 Years** |
| $10644 | $33555 | $58811 | $133855 |

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**Appendix A: Underlying Funds Available as Investment Options Under the TDA Contracts**

The following is a list of [Underlying Funds](#bookmark_uf_e8008fb9-0730-41c8-a99f-1a8fe80fa767) available under the [Contracts](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767). More information about the [Underlying Funds](#bookmark_uf_e8008fb9-0730-41c8-a99f-1a8fe80fa767) is available in the prospectuses for the [Underlying Funds](#bookmark_uf_e8008fb9-0730-41c8-a99f-1a8fe80fa767), which may be amended from time to time and are available on our website mutualofamerica.com/TDAFunds or you can request this information at no cost by calling 800.574.9267 or by sending an email to mutualofamerica@dfinsolutions.com.

The current expenses and performance information below reflects fee and expenses of the [Underlying Funds](#bookmark_uf_e8008fb9-0730-41c8-a99f-1a8fe80fa767), but do not reflect the other fees and expenses that your [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) may charge. Expenses would be higher and performance would be lower if these other charges were included. Each [Underlying Fund's](#bookmark_uf_e8008fb9-0730-41c8-a99f-1a8fe80fa767) past performance is not necessarily an indication of future performance.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type/Investment** <br> **Objective** | [**Underlying Fund**](#bookmark_uf_e8008fb9-0730-41c8-a99f-1a8fe80fa767) **and**<br> **Adviser/Subadviser** | **Current** <br> **Expenses**<sup>1</sup> | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** |
| **Type/Investment** <br> **Objective** | [**Underlying Fund**](#bookmark_uf_e8008fb9-0730-41c8-a99f-1a8fe80fa767) **and**<br> **Adviser/Subadviser** | **Current** <br> **Expenses**<sup>1</sup> | **1 year** | **5 year** | **10 year** |
| Equity Fund <br> Seeks investment <br> results that correspond <br> to the investment <br> performance of <br> Standard & Poor's <br> 500<sup>®</sup> Composite Stock <br> Price Index (the "S&P <br> 500 Index"\*)<br>| [MoA](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Equity Index Fund<br> Adviser: [Mutual of](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)Capital <br> Management LLC<br>| 0.14% | 17.68% | 14.52% | 14.65% |
| Equity Fund <br> Seeks to outperform <br> Russell 3000<sup>®</sup> Index\*\* <br> by investing in a <br> diversified portfolio of <br> primarily common <br> stocks<br>| [MoA](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) All America Fund<br> Adviser: Mutual of <br> America Capital <br> Management LLC<br>| 0.55% | 11.96% | 10.91% | 11.87% |
| Equity Fund <br> Seeks capital <br> appreciation<br>| [MoA](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Small Cap Value <br> Fund<br> Adviser: [Mutual of](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Capital <br> Management LLC<br>| 0.85% | 2.00% | 8.22% | 6.53% |
| Equity Fund <br> Seeks capital <br> appreciation<br>| [MoA](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Small Cap Growth <br> Fund<br> Adviser: [Mutual of](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Capital <br> Management LLC<br>| 0.85% | 8.52% | 1.75% | 8.77% |
| Equity Fund<br> Seeks investment <br> results that correspond <br> to investment <br> performance of S&P <br> SmallCap 600<sup>®</sup> Index\*<br>| [MoA](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Small Cap Equity <br> Index Fund<br> Adviser: [Mutual of](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Capital <br> Management LLC<br>| 0.25% | 5.80% | 7.11%<br>6.41%<sup>2</sup> <br>|  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type/Investment** <br> **Objective** | **Underlying Fund and**<br> **Adviser/Subadviser** | **Current** <br> **Expenses**<sup>1</sup> | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** |
| **Type/Investment** <br> **Objective** | **Underlying Fund and**<br> **Adviser/Subadviser** | **Current** <br> **Expenses**<sup>1</sup> | **1 year** | **5 year** | **10 year** |
| Equity Fund<br> Seeks capital <br> appreciation and, to a <br> lesser extent, current <br> income<br>| [MoA](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Mid Cap Value Fund<br> Adviser: [Mutual of](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Capital <br> Management LLC<br>| 0.70% | 2.48% | 7.82% | 8.10% |
| Equity Fund<br> Seeks investment <br> results that correspond <br> to investment <br> performance of S&P <br> MidCap 400<sup>®</sup> Index\*<br>| MoA Mid Cap Equity <br> Index Fund<br> Adviser: [Mutual of](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Capital <br> Management LLC<br>| 0.17% | 7.28% | 8.93% | 10.52% |
| Equity Fund<br> Seeks capital <br> appreciation<br>| [MoA](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) International Fund<br> Adviser: [Mutual of](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Capital <br> Management LLC<br>| 0.48% | 37.20% | 11.10% | 9.25% |
| Equity Fund<br> Seeks capital growth<br>| LVIP American Century <br> Capital Appreciation <br> Fund<br> Adviser: Lincoln Financial <br> Investments Corporation<br> SubAdviser: American <br> Century Investment <br> Management, Inc.<br>| 0.57% | 6.95% | 5.49%<br>12.13%<sup>3</sup> <br>|  |
| Equity Fund<br> Seeks long-term capital <br> appreciation<br>| American <br> Funds Insurance Series <br> New World Fund<br> Adviser: Capital <br> Research and <br> Management [Company](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br>| 0.57% | 28.60% | 5.59% | 9.53% |
| Equity Fund<br> Seeks long-term capital <br> growth<br>| American Century Small <br> Cap Growth R6<br>| 0.78% | 9.40% | 3.31% | 12.60% |
| Equity Fund<br> Seeks capital <br> appreciation<br>| Nomura VIP<sup>®</sup> Small Cap <br> Value Series <br> Adviser: Delaware <br> Management [Company](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br>| 0.74% | 8.16% | 9.26% | 9.15% |
| Equity Fund<br> Seeks to provide <br> long-term growth of <br> capital<br>| DWS Capital Growth VIP<br> Adviser: DWS Investment <br> Management Americas, <br> Inc. <br>| 0.49% | 12.53% | 10.92% | 15.29% |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Type/Investment** <br> **Objective** | **Underlying Fund and**<br> **Adviser/Subadviser** | **Current** <br> **Expenses**<sup>1</sup> | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** |
| **Type/Investment** <br> **Objective** | **Underlying Fund and**<br> **Adviser/Subadviser** | **Current** <br> **Expenses**<sup>1</sup> | **1 year** | **5 year** | **10 year** | **Life of** <br> **Fund**<br>|
| Equity Fund<br> Seeks reasonable <br> income and will also <br> consider potential for <br> capital appreciation. <br> Fund's goal is to <br> achieve a yield which <br> exceeds the composite <br> yield on the securities <br> comprising the S&P <br> 500<sup>®</sup> Index<br>| Fidelity VIP <br> Equity-Income Portfolio<br> Adviser: Fidelity <br> Management & Research <br> [Company](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) LLC (FMR)<br> Subadvisers: FMR <br> Investment Management <br> (UK) Limited, Fidelity <br> Management & Research <br> (Hong Kong) Limited, and <br> Fidelity Management & <br> Research Japan Limited <br> serve as sub-advisers.<br>| 0.46% | 19.02% | 12.51% | 11.60% |  |
| Equity Fund<br> Seeks long-term capital <br> appreciation<br>| Fidelity VIP Contrafund<sup>®</sup> <br> Portfolio<br> Adviser: Fidelity <br> Management & Research <br> [Company](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) LLC (FMR)<br> Subadvisers: FMR <br> Investment Management <br> (UK) Limited, Fidelity <br> Management & Research <br> (Hong Kong) Limited, and <br> Fidelity Management & <br> Research Japan Limited <br> serve as sub-advisers.<br>| 0.54% | 21.52% | 15.37% | 15.78% |  |
| Equity Fund<br> Seeks long-term <br> growth of capital<br>| Fidelity VIP Mid Cap <br> Portfolio<br> Adviser: Fidelity <br> Management & Research <br> [Company](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) LLC (FMR)<br> Subadvisers: FMR <br> Investment Management <br> (UK) Limited, Fidelity <br> Management & Research <br> (Hong Kong) Limited, and <br> Fidelity Management & <br> Research Japan Limited <br> serve as sub-advisers.<br>| 0.55% | 11.75% | 10.10% | 10.59% |  |
| Equity Fund<br> Seeks long-term <br> growth of capital<br>| Goldman Sachs VIT <br> Small Cap Equity Insights <br> Fund<br> Adviser: Goldman Sachs <br> Asset Management, L.P. <br>| 0.82% | 16.14% | 10.47% | 10.84% |  |
| Equity Fund<br> Seeks long-term <br> growth of capital and <br> dividend income<br>| Goldman Sachs VIT US <br> Equity Insights Fund<br> Adviser: Goldman Sachs <br> Asset Management, L.P. <br>| 0.56% | 15.75% | 13.81% | 13.73% |  |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Type/Investment** <br> **Objective** | **Underlying Fund and**<br> **Adviser/Subadviser** | **Current** <br> **Expenses**<sup>1</sup> | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** |
| **Type/Investment** <br> **Objective** | **Underlying Fund and**<br> **Adviser/Subadviser** | **Current** <br> **Expenses**<sup>1</sup> | **1 year** | **5 year** | **10 year** | **Life of** <br> **Fund**<br>|
| Equity Fund<br> Seeks capital <br> appreciation<br>| Invesco V.I. Main Street <br> Fund<sup>®</sup> <br>Adviser: Invesco <br> Advisers, Inc.<br>| 0.80% | 15.93% | 12.47% | 12.53% |  |
| Equity Fund<br> Seeks capital <br> appreciation<br>| MFS<sup>®</sup> VIT III Mid Cap <br> Value Portfolio<br> Adviser: MFS<br>| 0.79% | 5.98% | 10.18% | 9.95% |  |
| Equity Fund<br> Seeks long-term <br> growth of capital by <br> investing primarily in <br> securities of <br> companies that meet <br> Fund's environmental, <br> social and governance <br> (ESG) criteria<br>| Neuberger Berman <br> Advisers Management <br> Trust Sustainable Equity <br> Portfolio<br> Adviser: Neuberger <br> Berman Investment <br> Advisers LLC <br>| 0.87% | 13.71% | 12.83% | 12.94% |  |
| Equity Fund<br> Seeks to provide <br> long-term capital <br> growth with income as <br> secondary objective<br>| T. Rowe Price Blue Chip <br> Growth Portfolio<br> Adviser: T. Rowe Price <br> Associates, Inc.<br>| 0.75% | 18.74% | 11.68% | 15.54% |  |
| Equity Fund<br> Seeks to provide <br> long-term capital <br> appreciation and <br> income<br>| Vanguard Variable <br> Insurance Fund <br> Diversified Value <br> Portfolio<sup>®</sup> <br>Advisers: Lazard Asset <br> Management LLC and <br> Hotchkis and Wiley <br> Capital Management, <br> LLC<br>| 0.28% | 16.83% | 13.24% | 11.76% |  |
| Equity Fund<br> Seeks to provide <br> long-term capital <br> appreciation<br>| Vanguard Variable <br> Insurance <br> Fund International <br> Portfolio<sup>®</sup> <br>Advisers: Baillie Gifford <br> Overseas Ltd. And <br> Schroder Investment <br> Management North <br> America Inc.<br>| 0.32% | 19.97% | 0.62% | 10.48% |  |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Type/Investment** <br> **Objective** | **Underlying Fund and**<br> **Adviser/Subadviser** | **Current** <br> **Expenses**<sup>1</sup> | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** |
| **Type/Investment** <br> **Objective** | **Underlying Fund and**<br> **Adviser/Subadviser** | **Current** <br> **Expenses**<sup>1</sup> | **1 year** | **5 year** | **10 year** | **Life of** <br> **Fund**<br>|
| Real Estate Fund<br> Seeks to provide a high <br> level of income and <br> moderate long-term <br> capital appreciation by <br> tracking performance <br> of a benchmark index <br> that measures <br> performance of publicly <br> traded equity REITs <br> and other real <br> estate-related <br> investments<br>| Vanguard Variable <br> Insurance Fund Real <br> Estate Index Portfolio<sup>®</sup> <br>Adviser: The Vanguard <br> Group, Inc.<br>| 0.26% | 3.11% | 4.51% | 5.08% |  |
| Fixed Income Fund<br> Seeks current income <br> to extent consistent <br> with maintenance of <br> liquidity, investment <br> quality and stability of <br> capital<br>| MoA US Government <br> Money Market Fund<br> Adviser: [Mutual of](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Capital <br> Management LLC<br>| 0.23% | 4.15% | 3.06% | 1.96% |  |
| Fixed Income Fund<br> Primary investment <br> objective is to produce <br> a high level of current <br> income with secondary <br> investment objective to <br> preserve shareholders' <br> capital<br>| MoA Intermediate Bond <br> Fund<br> Adviser: [Mutual of](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Capital <br> Management LLC<br>| 0.47% | 6.65% | 0.74% | 2.14% |  |
| Fixed Income Fund<br> Seeks current income, <br> with preservation of <br> shareholders' capital a <br> secondary objective<br>| [MoA](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Core Bond Fund<br> Adviser: [Mutual of](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Capital <br> Management LLC<br>| 0.45% | 7.58% | -0.56% | 1.92% |  |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Type/Investment** <br> **Objective** | **Underlying Fund and**<br> **Adviser/Subadviser** | **Current** <br> **Expenses**<sup>1</sup> | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** |
| **Type/Investment** <br> **Objective** | **Underlying Fund and**<br> **Adviser/Subadviser** | **Current** <br> **Expenses**<sup>1</sup> | **1 year** | **5 year** | **10 year** | **Life of** <br> **Fund**<br>|
| Fixed Income<br> Seeks to achieve its <br> investment objective by <br> investing under normal <br> circumstances at least <br> 80% of its net assets in <br> inflation-indexed bonds <br> of varying maturities <br> issued by the U.S. and <br> non-U.S. governments, <br> their agencies or <br> instrumentalities and <br> corporations, which <br> may be represented by <br> forwards or derivatives <br> such as options, <br> futures contracts or <br> swap agreements <br>| PIMCO Variable <br> Insurance Trust Real <br> Return Portfolio <br> (Institutional Class)<br> Adviser: Pacific <br> Investment Management <br> [Company](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) LLC <br>| 1.24% | 8.01% | 1.36% | 3.37% |  |
| Fixed Income Fund<br> Seeks to track the <br> performance of a <br> broad, market-weighted <br> bond index<br>| Vanguard Variable <br> Insurance Fund Total <br> Bond Market Index <br> Portfolio<sup>®</sup> <br>Adviser: The Vanguard <br> Group, Inc.<br>| 0.14% | 6.94% | -0.51% | 1.90% |  |
| Balanced Fund<br> Seeks capital <br> appreciation and <br> current income by <br> investing in a <br> diversified portfolio of <br> common stocks, debt <br> securities and money <br> market instruments<br>| [MoA](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Balanced Fund<br> Adviser: [Mutual of](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Capital <br> Management LLC<br>| 0.57% | 18.82% | 10.50% | 10.04% |  |
| Balanced Fund<br> Seeks to obtain high <br> total return with <br> reduced risk over the <br> long term by allocating <br> Fund assets among <br> stocks, bonds, and <br> short-term instruments<br>| Fidelity VIP Asset <br> Manager Portfolio<br> Adviser: Fidelity <br> Management & Research <br> [Company](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) LLC (FMR)<br> Subadvisers: FMR <br> Investment Management <br> (UK) Limited, Fidelity <br> Management & Research <br> (Hong Kong) Limited, and <br> Fidelity Management & <br> Research Japan Limited <br> serve as sub-advisers.<br>| 0.51% | 14.98% | 5.67% | 7.13% |  |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Type/Investment** <br> **Objective** | **Underlying Fund and**<br> **Adviser/Subadviser** | **Current** <br> **Expenses**<sup>1</sup> | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** |
| **Type/Investment** <br> **Objective** | **Underlying Fund and**<br> **Adviser/Subadviser** | **Current** <br> **Expenses**<sup>1</sup> | **1 year** | **5 year** | **10 year** | **Life of** <br> **Fund**<br>|
| Balanced Fund<br> Seeks to achieve <br> competitive total return <br> through actively <br> managed portfolio of <br> stocks, bonds, and <br> money market <br> instruments which offer <br> income and capital <br> growth opportunity<br>| Calvert VP SRI Balanced <br> Portfolio<br> Adviser: Calvert <br> Research and <br> Management<br>| 0.64% | 11.48% | 8.68% | 9.81% |  |
| Balanced Fund<br> Seeks current income <br> and, to a lesser extent, <br> capital appreciation<br>| [MoA](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Conservative <br> Allocation Fund<br> Adviser: [Mutual of](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Capital <br> Management LLC<br>| 0.50% | 11.06% | 4.74% | 5.95% |  |
| Balanced Fund<br> Seeks capital <br> appreciation and <br> current income<br>| [MoA](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Moderate Allocation <br> Fund<br> Adviser: [Mutual of](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Capital <br> Management LLC<br>| 0.38% | 15.40% | 7.80% | 8.67% |  |
| Balanced Fund<br> Seeks capital <br> appreciation and, to a <br> lesser extent, current <br> income<br>| [MoA](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Aggressive <br> Allocation Fund<br> Adviser: [Mutual of](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Capital <br> Management LLC<br>| 0.39% | 16.16% | 9.14% | 10.03% |  |
| Balanced Funds<br> Seeks current income <br> consistent with <br> preservation of capital <br> and, to a lesser extent, <br> capital appreciation<br>| [MoA](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Retirement Income <br> Fund<br> Adviser: [Mutual of](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Capital <br> Management LLC<br>| 0.53% | 10.53% | 4.13% | 5.18% |  |
| Balanced Funds<br> Seeks current income <br> and capital <br> appreciation <br> appropriate for asset <br> allocation associated <br> with Fund's <br> approximate year of <br> retirement which is <br> included in its name<br>| [MoA](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Clear Passage 2020 <br> Fund<br> Adviser: [Mutual of](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Capital <br> Management LLC<br>| 0.49% | 11.18% | 5.11% | 6.75% |  |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Type/Investment** <br> **Objective** | **Underlying Fund and**<br> **Adviser/Subadviser** | **Current** <br> **Expenses**<sup>1</sup> | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** |
| **Type/Investment** <br> **Objective** | **Underlying Fund and**<br> **Adviser/Subadviser** | **Current** <br> **Expenses**<sup>1</sup> | **1 year** | **5 year** | **10 year** | **Life of** <br> **Fund**<br>|
| Balanced Funds<br> Seeks current income <br> and capital <br> appreciation <br> appropriate for asset <br> allocation associated <br> with Fund's <br> approximate year of <br> retirement which is <br> included in its name<br>| [MoA](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Clear Passage 2025 <br> Fund<br> Adviser: [Mutual of](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Capital <br> Management LLC<br>| 0.44% | 12.81% | 6.35% | 7.88% |  |
| Balanced Funds<br> Seeks current income <br> and capital <br> appreciation <br> appropriate for asset <br> allocation associated <br> with Fund's <br> approximate year of <br> retirement which is <br> included in its name<br>| [MoA](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Clear Passage 2030 <br> Fund<br> Adviser: [Mutual of](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Capital <br> Management LLC<br>| 0.43% | 13.85% | 7.62% | 8.95% |  |
| Balanced Funds<br> Seeks current income <br> and capital <br> appreciation <br> appropriate for asset <br> allocation associated <br> with Fund's <br> approximate year of <br> retirement which is <br> included in its name<br>| [MoA](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Clear Passage 2035 <br> Fund<br> Adviser: [Mutual of](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Capital <br> Management LLC<br>| 0.40% | 15.32% | 8.84% | 9.90% |  |
| Balanced Funds<br> Seeks current income <br> and capital <br> appreciation <br> appropriate for asset <br> allocation associated <br> with Fund's <br> approximate year of <br> retirement which is <br> included in its name<br>| [MoA](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Clear Passage 2040 <br> Fund<br> Adviser: [Mutual of](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Capital <br> Management LLC<br>| 0.37% | 16.95% | 10.03% | 10.61% |  |
| Balanced Funds<br> Seeks current income <br> and capital <br> appreciation <br> appropriate for asset <br> allocation associated <br> with Fund's <br> approximate year of <br> retirement which is <br> included in its name<br>| [MoA](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Clear Passage 2045 <br> Fund<br> Adviser: [Mutual of](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Capital <br> Management LLC<br>| 0.36% | 17.70% | 10.49% | 10.82% |  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type/Investment** <br> **Objective** | **Underlying Fund and**<br> **Adviser/Subadviser** | **Current** <br> **Expenses**<sup>1</sup> | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** | **Average Annual Total Returns as of** <br> **12/31/25** |
| **Type/Investment** <br> **Objective** | **Underlying Fund and**<br> **Adviser/Subadviser** | **Current** <br> **Expenses**<sup>1</sup> | **1 year** | **5 year** | **10 year** |
| Balanced Funds<br> Seeks current income <br> and capital <br> appreciation <br> appropriate for asset <br> allocation associated <br> with Fund's <br> approximate year of <br> retirement which is <br> included in its name<br>| [MoA](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Clear Passage 2050 <br> Fund<br> Adviser: [Mutual of](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Capital <br> Management LLC<br>| 0.37% | 17.82% | 10.69% | 10.95% |
| Balanced Funds<br> Seeks current income <br> and capital <br> appreciation <br> appropriate for asset <br> allocation associated <br> with Fund's <br> approximate year of <br> retirement which is <br> included in its name<br>| [MoA](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Clear Passage 2055 <br> Fund<br> Adviser: Mutual of <br> America Capital <br> Management LLC<br>| 0.38% | 18.27% | 10.86%<br>11.13%<sup>4</sup> <br>|  |
| Balanced Funds<br> Seeks current income <br> and capital <br> appreciation <br> appropriate for asset <br> allocation associated <br> with Fund's <br> approximate year of <br> retirement which is <br> included in its name<br>| [MoA](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Clear Passage 2060 <br> Fund<br> Adviser: [Mutual of](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Capital <br> Management LLC<br>| 0.40% | 18.45% | 11.05%<br>10.72%<sup>5</sup> <br>|  |
| Balanced Funds<br> Seeks current income <br> and capital <br> appreciation <br> appropriate for asset <br> allocation associated <br> with Fund's <br> approximate year of <br> retirement which is <br> included in its name<br>| [MoA](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Clear Passage 2065 <br> Fund<br> Adviser: [Mutual of](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767)<br> [America](#bookmark_comp_e8008fb9-0730-41c8-a99f-1a8fe80fa767) Capital <br> Management LLC<br>| 0.49% | 18.17% | 11.18%<br>13.74%<sup>6</sup> <br>|  |
| Balanced Funds<br> Seeks current income <br> and capital <br> appreciation <br> appropriate for asset <br> allocation associated <br> with Fund's <br> approximate year of <br> retirement which is <br> included in its name<br>| MoA Clear Passage 2070 <br> Fund<br> Adviser: Mutual of <br> America Capital <br> Management LLC<br>| 0.41%<br>19.49%<sup>7</sup> <br>|  |  |  |

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\*

"Standard & Poor's," "S&P," "S&P 500", "S&P MidCap 400" and "S&P SmallCap 600" are trademarks of Standard & Poor's Financial Services LLC, a subsidiary of The McGraw-Hill Companies, Inc. and have been licensed for use by Mutual of America Investment Corporation's Adviser. Standard & Poor's does not sponsor, endorse, sell or promote the Equity Index Fund, All America Fund, Small Cap Equity Index Fund or Mid-Cap Equity Index Fund. It has no obligation or liability for the sale or operation of the Funds and makes no representations as to the advisability of investing in the Funds.

The reported expense ratio for the following funds is net of fee waivers that may not continue: MoA Small Cap Equity Index Fund, MoA Clear Passage 2070 Fund, American Funds Insurance Series New World Fund, Calvert VP SRI Balanced Portfolio, Fidelity VIP Asset Manager Portfolio, all Goldman Sachs VIT Funds, Invesco V.I. Main Street Fund, and MFS VIT III Mid Cap Value Portfolio. Refer to the prospectuses of the Underlying Funds for more information.

Since inception date July 2, 2018.

Since inception date September 22, 2017.

Since inception date October 1, 2016.

Since inception date July 2, 2018.

Since inception date August 3, 2020.

Since inception date May 1, 2025.

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**Mutual of America Separate Account No. 2**

**320 Park Avenue, New York, New York 10022-6839**

**You May Obtain More Information**

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The Statement of Additional Information (the "SAI") dated May 1, 2026 contains additional information about this Contract, the Separate Account, and our operations. The SAI has been filed with the SEC and is incorporated by reference into this Prospectus. The SAI is available, without charge, upon request. You may obtain a free copy of the SAI, request other information about the Contracts, or make investor inquiries, by writing to Mutual of America at 320 Park Avenue, New York, NY 10022-6839, or calling us at 800.574.9267.

You may also obtain the Prospectus, SAI and other information free of charge through the Mutual of America Life Insurance Company website at http://www.mutualofamerica.com.

The SEC has a website at http://www.sec.gov. Reports and other information about Separate Account No. 2 are available through that SEC website. You also may obtain copies of reports and other information about the Separate Account, upon your payment of a duplicating fee, by electronic request at this e-mail address: publicinfo@sec.gov.

*Investment Company Act of 1940 File Number 811-03996* <br>*Securities Act of 1933 Registration Number 333-221999*

EDGAR [Contract](#bookmark_con_e8008fb9-0730-41c8-a99f-1a8fe80fa767) identifier C000198744.

**Prospectus dated May 1, 2026**

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