Common use of LIST OF ACCOUNTS AND FUNDS Clause in Contracts

LIST OF ACCOUNTS AND FUNDS. The following account of the general account and funds of the Separate Account are currently available under this Contract: The General Account Interest Accumulation Account Investment Funds of the Separate Account Mutual of America Investment Corporation All America Fund Mutual of America Investment Corporation Money Market Fund Mutual of America Investment Corporation Bond Fund Mutual of America Investment Corporation Composite Fund Mutual of America Investment Corporation Equity Index Fund Mutual of America Investment Corporation Mid-Term Bond Fund Mutual of America Investment Corporation Mid-Cap Equity Index Fund Mutual of America Investment Corporation Aggressive Allocation Fund Mutual of America Investment Corporation Moderate Allocation Fund Mutual of America Investment Corporation Conservative Allocation Fund Mutual of America Investment Corporation Small Cap Value Fund Mutual of America Investment Corporation Small Cap Growth Fund Mutual of America Investment Corporation Mid Cap Value Fund Mutual of America Investment Corporation Retirement Income Fund Mutual of America Investment Corporation 2010 Retirement Fund Mutual of America Investment Corporation 2015 Retirement Fund Mutual of America Investment Corporation 2020 Retirement Fund Mutual of America Investment Corporation 2025 Retirement Fund Mutual of America Investment Corporation 2030 Retirement Fund Mutual of America Investment Corporation 2035 Retirement Fund Mutual of America Investment Corporation 2040 Retirement Fund Mutual of America Investment Corporation 2045 Retirement Fund Mutual of America Investment Corporation 2050 Retirement Fund Mutual of America Investment Corporation International Fund American Century VP Capital Appreciation Fund American Funds Insurance Series New World Fund® Xxxxxxx XX SRI Balanced Portfolio Deutsche Variable Series I Capital Growth VIP Fidelity® Variable Insurance Products Equity-Income Portfolio Fidelity® Variable Insurance Products Asset Manager Portfolio Fidelity® Variable Insurance Products Contrafund® Portfolio Fidelity® Variable Insurance Products Mid Cap Portfolio Xxxxxxxxxxx VA Main Street Fund®/VA PIMCO Variable Insurance Trust Real Return Portfolio X. Xxxx Price Blue Chip Growth Portfolio Vanguard Variable Insurance Fund Diversified Value Fund Vanguard Variable Insurance Fund International Fund Vanguard Variable Insurance Fund REIT Index Portfolio All amounts allocated to the Investment Funds shall become part of the Separate Account that the Company maintains under the designation of Mutual of America Separate Account No. 2. IRA-2004 Page 20 MUTUAL OF AMERICA LIFE INSURANCE COMPANY 000 XXXX XXXXXX XXX XXXX XX 00000-6839 • 000 000 0000 (hereafter called the “Company”) Individual retirement annuity contract IRA-2004 issued by the Company is hereby amended as follows, effective as of the Effective Date of the Contract:

LIST OF ACCOUNTS AND FUNDS. The following account of the general account and funds of the Separate Account are currently available under this Contract: The General Account Interest Accumulation Account Investment Funds of the Separate Account Mutual of America Investment Corporation All America Fund Mutual of America Investment Corporation Money Market Fund Mutual of America Investment Corporation Bond Fund Mutual of America Investment Corporation Composite Fund Mutual of America Investment Corporation Equity Index Fund Mutual of America Investment Corporation Mid-Term Bond Fund Mutual of America Investment Corporation Mid-Cap Equity Index Fund Mutual of America Investment Corporation Aggressive Allocation Fund Mutual of America Investment Corporation Moderate Allocation Fund Mutual of America Investment Corporation Conservative Allocation Fund Mutual of America Investment Corporation Small Cap Value Fund Mutual of America Investment Corporation Small Cap Growth Fund Mutual of America Investment Corporation Mid Cap Value Fund Mutual of America Investment Corporation Retirement Income Fund Mutual of America Investment Corporation 2010 Retirement Fund Mutual of America Investment Corporation 2015 Retirement Fund Mutual of America Investment Corporation 2020 Retirement Fund Mutual of America Investment Corporation 2025 Retirement Fund Mutual of America Investment Corporation 2030 Retirement Fund Mutual of America Investment Corporation 2035 Retirement Fund Mutual of America Investment Corporation 2040 Retirement Fund Mutual of America Investment Corporation 2045 Retirement Fund Mutual of America Investment Corporation 2050 Retirement Fund Mutual of America Investment Corporation International Fund American Century VP Capital Appreciation Fund American Funds Insurance Series New World Fund® Xxxxxxx XX SRI Balanced Portfolio Deutsche Variable Series I Capital Growth VIP Fidelity® Variable Insurance Products Equity-Income Portfolio Fidelity® Variable Insurance Products Asset Manager Portfolio Fidelity® Variable Insurance Products Contrafund® Portfolio Fidelity® Variable Insurance Products Mid Cap Portfolio Xxxxxxxxxxx VA Main Street Fund®/VA PIMCO Variable Insurance Trust Real Return Portfolio X. Xxxx Price Blue Chip Growth Portfolio Vanguard Variable Insurance Fund Diversified Value Fund Vanguard Variable Insurance Fund International Fund Vanguard Variable Insurance Fund REIT Index Portfolio All amounts allocated to the Investment Funds shall become part of the Separate Account that the Company maintains under the designation of Mutual of America Separate Account No. 2. IRA-2004 Page 20 MUTUAL OF AMERICA LIFE INSURANCE COMPANY 000 XXXX XXXXXX XXX XXXX XX 00000-6839 • 000 000 0000 (hereafter called the “Company”) Individual retirement annuity contract IRA-2004 issued by the Company is hereby amended as follows, effective as of the Effective Date of the Contract:

LIST OF ACCOUNTS AND FUNDS. The following account of the general account and funds of the Separate Account are currently available under this Contract: The General Account Interest Accumulation Account Investment Funds of the Separate Account Mutual of America Investment Corporation All America Fund Mutual of America Investment Corporation Money Market Fund Mutual of America Investment Corporation Bond Fund Mutual of America Investment Corporation Composite Fund Mutual of America Investment Corporation Equity Index Fund Mutual of America Investment Corporation Mid-Term Bond Fund Mutual of America Investment Corporation Mid-Cap Equity Index Fund Mutual of America Investment Corporation Aggressive Allocation Fund Mutual of America Investment Corporation Moderate Allocation Fund Mutual of America Investment Corporation Conservative Allocation Fund Mutual of America Investment Corporation Small Cap Value Fund Mutual of America Investment Corporation Small Cap Growth Fund Mutual of America Investment Corporation Mid Cap Value Fund Mutual of America Investment Corporation Retirement Income DWS Capital Growth Fund Mutual of America Investment Corporation 2010 Retirement DWS Bond Fund Mutual of America Investment Corporation 2015 Retirement Fund Mutual of America Investment Corporation 2020 Retirement Fund Mutual of America Investment Corporation 2025 Retirement Fund Mutual of America Investment Corporation 2030 Retirement Fund Mutual of America Investment Corporation 2035 Retirement Fund Mutual of America Investment Corporation 2040 Retirement Fund Mutual of America Investment Corporation 2045 Retirement Fund Mutual of America Investment Corporation 2050 Retirement Fund Mutual of America Investment Corporation DWS International Fund American Century VP Capital Appreciation Fund American Funds Insurance Series New World Fund® Xxxxxxx XX SRI Social Balanced Portfolio Deutsche Variable Series I Capital Growth Fund Fidelity VIP Fidelity® Variable Insurance Products Equity-Income Portfolio Fidelity® Variable Insurance Products income Fund Fidelity VIP Asset Manager Portfolio Fidelity® Variable Insurance Products Contrafund® Portfolio Fidelity® Variable Insurance Products Fund Fidelity VIP Contrafund Fund Fidelity VIP Mid Cap Portfolio Xxxxxxxxxxx Fund Oppenheimer VA Main Street Fund®/VA PIMCO Variable Insurance Trust Real Return Portfolio X. Xxxx Price Blue Chip Growth Portfolio Fund Vanguard Variable Insurance Fund VIF Diversified Value Fund Vanguard Variable Insurance Fund VIF International Fund Vanguard Variable Insurance Fund REIT Index Portfolio All amounts allocated to the Investment Funds shall become part of the Separate Account that the Company maintains under the designation of [Mutual of America Separate Account No. 2.] This page left blank intentionally. IRA-2004 Page 20 MUTUAL OF AMERICA LIFE INSURANCE COMPANY 000 [320 XXXX XXXXXX XXX XXXX XX 00000-6839 0000 • 000 000 0000 0000] (hereafter called the “Company”) Individual retirement Group annuity contract IRA-2004 issued by TDA-2006 between the Company and [ABC Company] is hereby amended as followsamended, effective as of its Effective Date, as follows: For Participants who are entitled to any benefits under this Contract prior to the Effective Date of the ContractDate:

LIST OF ACCOUNTS AND FUNDS. The following account of the general account and funds of the Separate Account are currently available under this Contract: The General Account Interest Accumulation Account Investment Funds of the Separate Account Mutual of America Investment Corporation All America Fund Mutual of America Investment Corporation Money Market Fund Mutual of America Investment Corporation Bond Fund Mutual of America Investment Corporation Composite Fund Mutual of America Investment Corporation Equity Index Fund Mutual of America Investment Corporation Mid-Term Bond Fund Mutual of America Investment Corporation Mid-Cap Equity Index Fund Mutual of America Investment Corporation Aggressive Allocation Fund Mutual of America Investment Corporation Moderate Allocation Fund Mutual of America Investment Corporation Conservative Allocation Fund Mutual of America Investment Corporation Small Cap Value Fund Mutual of America Investment Corporation Small Cap Growth Fund Mutual of America Investment Corporation Mid Cap Value Fund Mutual of America Investment Corporation Retirement Income Fund Mutual of America Investment Corporation 2010 Retirement Fund Mutual of America Investment Corporation 2015 Retirement Fund Mutual of America Investment Corporation 2020 Retirement Fund Mutual of America Investment Corporation 2025 Retirement Fund Mutual of America Investment Corporation 2030 Retirement Fund Mutual of America Investment Corporation 2035 Retirement Fund Mutual of America Investment Corporation 2040 Retirement Fund Mutual of America Investment Corporation 2045 Retirement Fund Mutual of America Investment Corporation 2050 Retirement Fund Mutual of America Investment Corporation International Fund American Century VP Capital Appreciation Fund American Funds Insurance Series New World Fund® Xxxxxxx XX SRI Balanced Portfolio Deutsche Portofolio DWS Variable Series I Capital Growth VIP Fidelity® Variable Insurance Products Equity-Income Portfolio Fidelity® Variable Insurance Products Asset Manager Portfolio Fidelity® Variable Insurance Products Contrafund® Portfolio Fidelity® Variable Insurance Products Mid Cap Portfolio Xxxxxxxxxxx VA Main Street Fund®/VA PIMCO Variable Insurance Trust Real Return Institutional Portfolio X. Xxxx Price Blue Chip Growth Portfolio Fund Vanguard Variable Insurance Fund Diversified Value Fund Portfolio Vanguard Variable Insurance Fund International Fund Portfolio Vanguard Variable Insurance Fund REIT Index Portfolio All amounts allocated to the Investment Funds shall become part of the Separate Account that the Company maintains under the designation of Mutual of America Separate Account No. 2. IRA-2004 Page 20 MUTUAL OF AMERICA LIFE INSURANCE COMPANY 000 XXXX XXXXXX XXX XXXX XX 00000-6839 • 000 000 0000 (hereafter called the “Company”) Individual retirement annuity contract IRA-2004 issued by the Company is hereby amended as follows, effective as of the Effective Date of the Contract:.

LIST OF ACCOUNTS AND FUNDS. The following account of the general account and funds of the Separate Account are currently available under this Contract: The General Account Interest Accumulation Account Investment Funds of the Separate Account Mutual of America Investment Corporation All America Fund Mutual of America Investment Corporation Money Market Fund Mutual of America Investment Corporation Bond Fund Mutual of America Investment Corporation Composite Fund Mutual of America Investment Corporation Equity Index Fund Mutual of America Investment Corporation Mid-Term Bond Fund Mutual of America Investment Corporation Mid-Cap Equity Index Fund Mutual of America Investment Corporation Aggressive Allocation Fund Mutual of America Investment Corporation Moderate Allocation Fund Mutual of America Investment Corporation Conservative Allocation Fund Mutual of America Investment Corporation Small Cap Value Fund Mutual of America Investment Corporation Small Cap Growth Fund Mutual of America Investment Corporation Mid Cap Value Fund Mutual of America Investment Corporation Retirement Income Fund Mutual of America Investment Corporation 2010 Retirement Fund Mutual of America Investment Corporation 2015 Retirement Fund Mutual of America Investment Corporation 2020 Retirement Fund Mutual of America Investment Corporation 2025 Retirement Fund Mutual of America Investment Corporation 2030 Retirement Fund Mutual of America Investment Corporation 2035 Retirement Fund Mutual of America Investment Corporation 2040 Retirement Fund Mutual of America Investment Corporation 2045 Retirement Fund Mutual of America Investment Corporation 2050 Retirement International Fund Mutual of America Investment Corporation DWS Capital Growth Fund DWS Bond Fund DWS International Fund American Century VP Capital Appreciation Fund American Funds Insurance Series New World Fund® Xxxxxxx XX SRI Social Balanced Portfolio Deutsche Variable Series I Capital Growth Fund Fidelity VIP Fidelity® Variable Insurance Products Equity-Income Portfolio Fidelity® Variable Insurance Products Fund Fidelity VIP Asset Manager Portfolio Fidelity® Variable Insurance Products Contrafund® Portfolio Fidelity® Variable Insurance Products Fund Fidelity VIP Contrafund Fund Fidelity VIP Mid Cap Portfolio Fund Xxxxxxxxxxx VA Main Street Fund®/VA PIMCO Variable Insurance Trust Real Return Portfolio X. Xxxx Price Blue Chip Growth Portfolio Fund Vanguard Variable Insurance Fund VIF Diversified Value Fund Vanguard Variable Insurance Fund VIF International Fund Vanguard Variable Insurance Fund REIT Index Portfolio All amounts allocated to the Investment Funds shall become part of the Separate Account that the Company maintains under the designation of [Mutual of America Separate Account No. 2. IRA-2004 Page 20 MUTUAL OF AMERICA LIFE INSURANCE COMPANY 000 XXXX XXXXXX XXX XXXX XX 00000-6839 • 000 000 0000 (hereafter called the “Company”) Individual retirement annuity contract IRA-2004 issued by the Company is hereby amended as follows, effective as of the Effective Date of the Contract:.]