0001193125-15-160199 Sample Contracts

MUTUAL OF AMERICA LIFE INSURANCE COMPANY (hereafter called the “Company”)
Individual Retirement Annuity Contract • April 30th, 2015 • Mutual of America Separate Account No 2

This Contract is issued in consideration of the application for this Contract and payment of the first contribution (premium). Additional contributions may be made at any time prior to the Annuity Commencement Date or the death of the Owner. Each contribution is subject to the Contributions provision of this Contract. This Contract shall take effect on the Effective Date shown in the Specifications Section of this Contract.

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INDIVIDUAL RETIREMENT ANNUITY CONTRACT - INHERITED
Individual Retirement Annuity Contract - Inherited • April 30th, 2015 • Mutual of America Separate Account No 2

As of the dates specified herein, the Company shall make the distributions as provided in this Contract. Upon the death of the Owner the Company shall pay the death benefit as provided in this Contract. At any time prior to the death of the Owner, the Owner may withdraw amounts held under this Contract without any surrender charges.

MUTUAL OF AMERICA LIFE INSURANCE COMPANY (hereafter called the “Company”)
Individual Retirement Annuity Contract - Roth • April 30th, 2015 • Mutual of America Separate Account No 2

This Contract is issued in consideration of the application for this Contract and payment of the first contribution (premium). Additional contributions may be made at any time prior to the Annuity Commencement Date or the death of the Owner. Each contribution is subject to the Contributions provision of this Contract. This Contract shall take effect on the Effective Date shown in the Specifications Section of this Contract.

MUTUAL OF AMERICA LIFE INSURANCE COMPANY (hereafter called the “Company”)
Individual Retirement Annuity Contract - Sep • April 30th, 2015 • Mutual of America Separate Account No 2

This Contract is issued in consideration of the application for this Contract and payment of the first contribution (premium). Additional contributions may be made at any time prior to the Annuity Commencement Date or the death of the Owner. Each contribution is subject to the Contributions provision of this Contract. This Contract shall take effect on the Effective Date shown in the Specifications Section of this Contract.

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