MUTUAL OF AMERICA

Exhibit 99.4(h)

MUTUAL OF AMERICA

CAPITAL MANAGEMENT

MUTUAL OF AMERICA

CAPITAL MANAGEMENT CORPORATION

	000 XXXX XXXXXX
	XXX XXXX, XX 00000-0000
June 22, 2005	212 224 1600
	000 000 0000 FAX

Via Fax to 000-000-0000 and Courier

Xx. Xxxxx Xxxxxxxxxxx

Chairman and Chief Investment Officer

Oak Associates, Ltd.

0000 Xxxxxxx Xxxxxxx

Xxxxx 000

Xxxxx, XX 00000

Re: Subadvisory Agreements

a. Dated May 1, 1996 as to Mutual of America Institutional Funds, Inc., and

b. Dated May 2, 1994 as to Mutual of America Investment Corporation (Collectively, the “Subadvisory Agreements”)

Dear Xxx:

This is to advise that, under Paragraph 8(b) of each of the Subadvisory Agreements, Mutual of America Capital Management Corporation (the “Adviser”) hereby terminates both of the Subadvisory Agreements, effective Friday, August 26, 2005.

I trust that you and your staff will cooperate with the Adviser to effect an orderly transition to the Adviser of the management of the portfolios you have managed under the Subadvisory Agreements.

I wish you the best of luck in the future.

Very truly yours,

MUTUAL OF AMERICA CAPITAL MANAGEMENT CORPORATION

By:	/s/ Xxxxxxx Xxxxxxxx
	Xxxxxxx Xxxxxxxx
	President and Chief Executive Officer

MUTUAL OF AMERICA CAPITAL MANAGEMENT CORPORATION

A SUBSIDIARY OF MUTUAL OF AMERICA LIFE INSURANCE COMPANY