Mutual of America's
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Features Mutual of America's
Rollover IRA
Your
Company?
   
Current Effective Annual Yield for amounts allocated to the Interest Accumulation Account  
1.75% for total IRA account balances of $100,000 or more.*
1.10% for total IRA account balances of at least $50,000 but less than $100,000.*
1.00% for total IRA account balances under $50,000.*
Interest Accumulation Account rate is guaranteed never to go lower than 1.00% for all contracts that do not have a contractual minimum guarantee of 3.00% or 1.50%

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Investment Funds   A diverse choice of
well-known investment funds
in the Separate Account
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Surrender Charges   None ** ?
   
   
Commissions   None ?
   
   
Independent Ratings   Financial Strength ?
   
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Mutual of America Life Insurance Company
320 Park Avenue
New York, NY 10022-6839
 
*Total IRA account balance for Traditional and Roth IRA variable annuity contracts is determined by aggregating all amounts in the Interest Accumulation Account and in the Separate Account Investment Funds for all IRA contracts (except SEP and SIMPLE IRAs) held by the same person.
Your total IRA account balance will be reviewed on a daily basis and used to determine the applicable interest rate credited to only amounts held in the Interest Accumulation Account. When the total account balance on a daily basis increases to a dollar threshold that qualifies for a higher interest rate (as shown above), such higher interest rate, then in effect, begins to be credited to the contract the next day. However, when the total account balance on a daily basis decreases below the dollar threshold specified for a higher interest rate, the applicable lower interest rate does not begin to be credited to the contract until the first day of the month following the date on which the total account balance fell below the dollar amount required for the higher interest rate, and provided that the total account balance remains below the dollar amount required to qualify for the higher interest rate as of the end of that month.
There is a $2.00 contract fee charged monthly from the Interest Accumulation Account (or 1/12 of 1% for account balances less than $2,400) which can be waived if you choose to use eDocuments to receive information from us electronically.
You can choose to place all or a portion of amounts held under your IRA contract in the Interest Accumulation Account, which credits interest at a rate that we declare from time to time, and which may increase or decrease at our discretion. We guarantee that we will credit interest for the life of the contract to amounts in the Interest Accumulation Account of our General Account at a rate at least equal to the greater of (1) any contractual minimum guarantee provided by the contract or (2) the minimum rate required by applicable state law or, if no state law minimum rate is applicable to a contract, the guaranteed minimum credited interest rate will be set pursuant to National Association of Insurance Commissioners (NAIC) standard nonforfeiture law. The NAIC minimum rate is determined in accordance with a formula, and cannot be less than 1.00% or more than 3.00% in any event. We determine whether the application of the formula will change the minimum guaranteed rate each November, and any change is effective the following January 1 for that calendar year. The minimum rate for 2014 has been set at 1.00% in accordance with this formula for all contracts that do not have a contractual minimum guarantee of 3.00% or 1.50%. If your contract has a contractual guaranteed minimum rate of 3.00% or 1.50%, the interest rate under your contract will not go below that amount regardless of the minimum rate that is set for a calendar year. In our sole discretion, we may credit a higher rate of interest to your contract amounts in the General Account, although we are not obligated to credit interest in excess of the minimum guaranteed rate. We compound interest daily on your contract amounts in the General Account to produce an effective annual yield that is equal to the stated interest rate. This guarantee is subject to Mutual of America's financial strength and claims-paying ability.
**Withdrawals prior to age 59½ may be subject to a 10% penalty imposed by the IRS. In addition, amounts withdrawn are generally subject to ordinary income taxes.
Before investing in our variable annuity contracts, you should consider the investment objectives, risks, charges and expenses (a contract fee, Separate Account expenses and Underlying Funds expenses) carefully. This and other information is contained in the contract prospectus or brochure and Underlying Funds prospectuses. Please read these prospectuses and brochure carefully before investing. The prospectuses and brochure can be obtained by calling 1-866-954-4321.
The Mutual of America Rollover IRA is an individual variable annuity contract, suitable for long-term investing, such as for retirement savings, and is issued on form IRA-2004 or a similar form specific to your state of residence. This contract provides no additional income-tax deferral advantages beyond those available in a tax-deferred arrangement, i.e., an IRA itself. You should consider the other features of Mutual of America's annuity contract before making a decision, as well as the potential for a loss of account value due to the Rollover IRA's variable Separate Account Investment Funds.
 
Mutual of America Life Insurance Company ("Mutual of America") provides group and individual variable annuity contracts and related services for the pension, retirement and long-range savings needs of various organizations and their employees. We also provide variable annuity contracts to individuals for their retirement and other long-term financial needs. Variable universal life insurance, group life insurance and group disability products are also available.

Mutual of America Life Insurance Company is a registered Broker-Dealer.
320 Park Avenue
New York, NY 10022-6839

Mutual of America®, Mutual of America ezRollover® and Mutual of America Your Retirement Company® are registered service marks of
Mutual of America Life Insurance Company.
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