MASTER INDEX LICENSE AGREEMENT

LICENSE GRANT. Subject to the terms and conditions of this Agreement and the applicable Order Schedule (as defined in Section 2 below), S&P hereby grants to Licensee a non-exclusive, limited and non-transferable license to, throughout the Territory (as set forth in the Order Schedule), (i) use the Indices specified in the applicable Order Schedule as a component of Licensee’s product or products specified in the applicable Order Schedule (“Products”) to be issued, entered into, written, sold and/or purchased by Licensee and (ii) use and refer to the related Marks specified in the applicable Order Schedule in connection with the distribution, marketing, and promotion of the Products and in connection with making such disclosure about the Products as Licensee deems necessary or desirable under any applicable laws, rules, regulations, or provisions of this Agreement, but, in each case, only to the extent necessary to indicate the source of the Index. Licensee shall not use the Marks or any portion thereof (i) in a way that implies S&P’s or its affiliates’ sponsorship, endorsement, promotion or sale of the Products; (ii) in a logo or stylized format in connection with the Products; (iii) as part of or the whole of a company name or trade name; or (iv) in the name of its Products unless expressly permitted by the applicable Order Schedule. Any rights not expressly granted herein are hereby reserved by S&P.

ORDER SCHEDULES.

Neither Licensee nor any of its Affiliates (as defined in Section 2B below) shall have access to or use of any of the Indices and/or Marks unless such entity enters into an Order Schedule as set forth herein. Licensee’s use of an Index and any related Marks in connection with a Product is subject to additional terms and restrictions set forth in the Order Schedule for such Product. When executed by Licensee and S&P, each Order Schedule

Contract No. 00961398

MOA_MILA_20200421_CLN_DTR

An Affiliate of Licensee may, upon mutual consent of S&P and such Affiliate, enter into Order Schedules under this Agreement, which Order Schedules shall govern such Affiliate’s use of any Indices and/or Marks under this Agreement. For purposes of this Agreement, an “Affiliate” shall mean an entity either directly or indirectly Controlled by, Controlling or under common Control with the entity named as Licensee above. “Control” means an equity voting interest of greater than fifty percent (50%) or the sole power to direct or cause the direction of the management or policies of the entity, whether through the ability to exercise voting power, by contract, or otherwise. Unless otherwise specified in the Order Schedule, Licensee and its Affiliate(s) specified in the Order Schedule shall be jointly and severally liable for such Affiliate’s breaches of the Order Schedule.

TERM AND TERMINATION.

This Agreement shall commence as of the Effective Date and shall continue in effect thereafter for as long as any Order Schedule entered into pursuant to this Agreement remains in effect. Unless otherwise specified in the Order Schedule, (i) the term of each Order Schedule shall commence on the Commencement Date as specified in the applicable Order Schedule and shall continue for the duration of the initial term as specified therein (the “Initial Term”), and (ii) following the Initial Term, each Order Schedule shall automatically renew for successive one (1) year terms (each a “Renewal Term”) (the Initial Term and Renewal Term(s), together the “Term”) unless either party notifies the other in writing of its decision not to extend the term of the applicable Order Schedule at least thirty (30) days prior to the expiration of the Term then in effect.

Either party may terminate any Order Schedule by giving sixty (60) days prior written notice to the other party if the terminating party believes in good faith that material damage or harm is threatened or occurring to its reputation or goodwill by reason of its continued performance thereunder; provided, however, that such termination shall not take effect if the condition threatening or causing such damage or harm is corrected within such notice period.

In the event of any breach of the material terms or conditions of this Agreement or any Order Schedule by either party, the other party may terminate the applicable Order Schedule by giving thirty (30) days prior written notice thereof; provided, however, that such termination shall not take effect if the party in breach cures or corrects the breach within such notice period.

Either party may terminate any or all Order Schedules immediately upon written notice to the other if the other party is adjudicated as bankrupt or if a petition in bankruptcy is filed by or against the other party or if the other party makes an assignment for the benefit of creditors or an arrangement pursuant to any bankruptcy act or insolvency laws.

During the Term of the applicable Order Schedule, S&P shall inform Licensee promptly upon any termination of S&P’s right to license the Indices or Marks of any third party licensor or its affiliates; and in such event the parties shall modify the Order Schedule accordingly and Licensee’s right to such Index or Marks shall terminate without liability to S&P.

S&P shall inform Licensee of any change in any Mark during the Term of any Order Schedule pursuant to which Licensee licenses such changed Mark. In such event, Licensee shall have sixty (60) days from the date of such written notice to change the name of the applicable Product (to the extent such Mark was incorporated in the Product name), update all Product literature, and comply with any other requirements specified by S&P in connection therewith. In the event that Licensee fails to do so within such sixty (60) day period, S&P shall have the right to terminate the applicable Order Schedule.

S&P shall have the right, in its sole discretion, to cease creation, compilation, and publication of any Index and S&P shall be under no obligation to offer a replacement or substitute index. In such event, S&P shall give Licensee at least ninety (90) days written notice prior to such discontinuance, which notice shall specify whether a replacement or substitute index will be made available. In the event that Licensee desires to use such offered replacement or substitute index under the terms of this Agreement and the applicable Order Schedule, it shall so notify S&P in writing within sixty (60) days after receiving such written notice from S&P. In the event that Licensee does not provide S&P with such written notice within the specified time period or no substitute or replacement index is made available, the applicable Order Schedule shall be terminated as of the date specified in the S&P notice.

Licensee may terminate the applicable Order Schedule upon ninety (90) days prior written notice to S&P if (i) Licensee is informed of the final adoption of any legislation or regulation or the issuance of any interpretation that in Licensee’s reasonable judgment materially impairs Licensee’s ability to market and/or promote the Product; or (ii) any material litigation or regulatory proceeding regarding the Product is threatened or commenced against Licensee.

S&P may terminate the applicable Order Schedule upon ninety (90) days (or upon such lesser period of time if required pursuant to a court order) prior written notice to Licensee if (i) S&P is informed of the final adoption of any legislation or regulation or the issuance of any interpretation that in S&P’s reasonable judgment materially impairs S&P’s ability to license and provide the Index and/or the Marks under this Agreement and the applicable Order Schedule in connection with a Product; or (ii) any litigation or proceeding is threatened or commenced and S&P reasonably believes that such litigation or proceeding would have a material and adverse effect upon the Index and/or Marks or upon the ability of S&P to perform under this Agreement or the applicable Order Schedule.

In the event of termination of any Order Schedule(s) under this Agreement, fees payable to S&P thereunder shall be computed based on the number of days remaining in the then-current Term, up to and including the date of expiration of such Term; except in the event Licensee terminates pursuant to Section 3(C) or S&P terminates pursuant to Sections 3(E), 3(F) and/or 3(G) hereunder, in which case, applicable fees payable to S&P shall be computed by prorating the amount of the applicable fees on the basis of the number of elapsed days in the current Term up to and including the effective date of such termination. The foregoing is in addition to any and all rights S&P may have under this Agreement, in law or in equity.

Upon termination of any Order Schedule(s) by either party, Licensee shall cease all use of the Index and the Marks affected thereby and Licensee shall not issue any additional Products that use or refer to the affected Index and/or Marks. At S&P’s request, Licensee shall certify to S&P in writing that Licensee has fully complied with this requirement.

Upon termination of all the Order Schedules, this Agreement shall automatically terminate.

FEES/PAYMENTS.

As consideration for the license granted by S&P under this Agreement, Licensee shall pay the fees as set forth in the applicable Order Schedule commencing on the Commencement Date (unless otherwise set forth therein). All fees due to S&P hereunder are exclusive of any taxes or delivery costs, which shall be the responsibility of Licensee. Such fees shall be due and payable by Licensee to S&P regardless of whether Licensee exercises the license described in Section 1 of this Agreement.

Licensee shall at all times during the term of this Agreement and for as long as any Products are outstanding, maintain full and accurate records (including applicable data in electronic format) with respect to usage of the Indices and Marks for the most recent thirty-six (36) months. During the term of this Agreement and for a two

If any fees paid to S&P hereunder are subject to withholding taxes by a country other than the country of tax residence of S&P (“Home Country”), Licensee shall provide to S&P an original receipt from the tax authorities of such foreign country evidencing the amount of tax withheld. Such receipt shall be furnished at the time such fee is paid to S&P or as soon thereafter as is practicable. If S&P is denied a foreign tax credit due to the failure of Licensee to provide satisfactory evidence of the amount withheld, Licensee shall pay to S&P an amount sufficient to compensate, on an after tax basis, for the credit denied. If a tax treaty exists between the Home Country and the foreign country that is subjecting the fees to withholding taxes, S&P hereby elects to apply the withholding rate applicable under such tax treaty. If Licensee requires a special certificate from S&P to make the election, the certificate must be provided to S&P at the time of execution of this Agreement or the applicable Order Schedule.

S&P’S OBLIGATIONS.

S&P shall not and is in no way obliged to engage in any marketing or promotional activities in connection with the Product or in making any representation or statement to investors or prospective investors in connection with the Product.

S&P agrees to provide reasonable support for Licensee’s development and educational efforts with respect to the Product as follows: (i) S&P shall provide Licensee, upon request, but subject to any agreements of confidentiality with respect thereto, copies of the results of any marketing research conducted by or on behalf of S&P with respect to the Index; and (ii) S&P shall respond in a timely fashion to any reasonable requests for information by Licensee regarding the Index, but subject to any agreements of confidentiality with respect thereto.

REVIEW OF INFORMATIONAL MATERIALS. Licensee shall use its best efforts to protect the goodwill and reputation of S&P and of the Marks in connection with its use of the Index and the Marks under this Agreement and any Order Schedule. Licensee shall submit to S&P for its review and approval all informational materials pertaining to and to be used in connection with the Product, including, where applicable, all prospectuses, registration statements, and any other documents required to be filed with governmental or regulatory agencies, application forms, contracts, videos, internet sites, electronic commerce, advertisements, brochures, and promotions, and any other similar informational materials (in any form or media) that in any way use or refer to S&P, any Index, and/or any Marks (the “Informational Materials”). S&P’s approval shall be required with respect to the use of and description of S&P, any Index or any Marks and shall not be unreasonably withheld or delayed by S&P. Specifically, S&P shall notify Licensee of its approval or disapproval of any Informational Materials within the time frame specified in the applicable Order Schedule following receipt thereof from Licensee. Any disapproval shall indicate S&P’s reasons therefor. Any failure by S&P to respond within such time frame specified in the applicable Order Schedule shall be deemed to constitute a waiver of S&P’s right to review such Informational Materials. Informational Materials shall be addressed to S&P as set forth in the applicable Order Schedule. Once Informational Materials have been approved by S&P, subsequent Informational Materials which do not materially alter the use or description of S&P, the Index, or the Marks need not be submitted for review and approval by S&P. Any changes in the notice set forth in Section 7A or the disclaimers and limitations set forth in Section 9B must be approved in advance in writing by an authorized officer of S&P. Once a change in notice or the disclaimers and limitations has been approved by S&P, it does not need to be resubmitted for approval to the extent it is subsequently used in substantially the same manner.

PROTECTION OF VALUE OF LICENSE.

Licensee shall use the following notice when referring to any Index or any Mark in any Informational Materials, which are five (5) or fewer pages in length or 250 or fewer words, unless and except (i) such Informational Materials are required by a governmental or regulatory agency or (ii) such Informational Materials also contains a disclaimer by any other third party licensor, in which case Licensee shall use the disclaimers and limitations set forth in Section 9B:

Licensee shall cooperate with S&P in the maintenance of rights and registrations in the Marks and shall take such actions and execute such instruments as S&P may from time to time reasonably request. Licensee shall honor all reasonable requests by S&P, other than a request to engage as a party in litigation, to perfect and protect, at S&P’s expense, any of S&P’s, its affiliates or any third party licensor’s rights in the Indices and Marks, including but not limited to, rights in copyright and/or trademark. Licensee shall promptly notify S&P of any action by any third party known or suspected by Licensee to constitute an infringement of S&P’s or any third party licensor’s proprietary rights in the Indices and Marks and shall cooperate with S&P in protecting such rights as provided hereunder.

Licensee shall not encourage, enable, or participate in the unauthorized use of any Index or Mark, nor knowingly develop or market any Product with the intention that such Product shall be used unlawfully to violate the terms of this Agreement. Licensee shall keep the Marks separate and distinct and not alter, modify, or commingle the Marks or any part or parts thereof with Licensee’s or any third party’s marks without the prior written approval of S&P.

PROPRIETARY RIGHTS.

Licensee acknowledges that each Index is selected, coordinated, arranged, and prepared by S&P and/or its third party licensors through the application of methods and standards of judgment used and developed through the expenditure of considerable work, time, and money by S&P and such third party licensors, and Licensee acknowledges that it has no proprietary interest therein. Licensee also acknowledges that the Indices and the Marks and are the exclusive property of S&P, its affiliates and/or any third party licensors, that S&P, its affiliates and/or its third party licensors have and retain all proprietary rights therein (including but not limited to copyrights) and that the Indices and their compilation and composition and changes therein are in the control and discretion of S&P and/or its third party licensors.

Licensee acknowledges that S&P, its affiliates or its third party licensors, is the owner of all right, title and interest in and to the Marks and the goodwill appurtenant thereto. Licensee shall not use or authorize any other party to use the Marks or any confusingly similar designation, trademark, service mark, or trade name anywhere in the world for any purposes whatsoever other than as permitted in this Agreement. Licensee shall not contest S&P’s, its affiliates’ or its third party licensors’ ownership of the Marks. Licensee shall not (i) assert any claim of ownership of, or any claim to, any goodwill or reputation associated with the Marks by reason of Licensee’s licensed use thereof hereunder; (ii) assert any claim that there has been any abrogation or diminution of the value of the Marks resulting from the transactions contemplated by this Agreement; or (iii) register or seek to register any of the Marks. Any and all uses of the Marks will inure to the benefit of S&P, its affiliates or its third party licensors, as applicable.

REPRESENTATIONS; DISCLAIMERS; LIMITATION OF LIABILITY.

S&P represents and warrants that S&P has the right to grant the rights granted to Licensee herein and that, subject to the terms and conditions of this Agreement and the applicable Order Schedule, the licenses granted herein shall not infringe any trademark, copyright, or other proprietary right of any third party; provided, however, that with respect to any third party Indices and third party Marks, S&P represents and warrants only that it has obtained the right from its third party licensors to license the use of such third party Indices and third party Marks pursuant to this Agreement.

Licensee expressly agrees to be bound itself by and furthermore to include all of the following disclaimer and limitation of liability language in the Informational Materials relating to the Products in accordance with Section 6:

Each party represents and warrants to the other that it has the corporate authority to enter into this Agreement and Order Schedule according to their terms and that its entry into this Agreement is lawful and does not violate any other agreement to which it is a party.

Licensee represents and warrants to S&P that the Products shall (i) at all times comply with the description in the applicable Order Schedule and shall not violate any of the restrictions set forth therein; and (ii) not violate any applicable law, including but not limited to banking, commodities and securities laws.

S&P shall not be liable (except as expressly provided in Section 10(B) below) for any claims against Licensee by third parties. Without diminishing the disclaimers and limitations set forth in Section 9(B), in no event shall the maximum cumulative liability of S&P, its affiliates, and their third party licensors in connection with the Indices or Marks and/or this Agreement or any Order Schedule, regardless of the form of action, whether in contract, tort, strict liability or otherwise, exceed the fees paid by Licensee to S&P under the applicable Order Schedule for the Product in question in the month such liability is alleged to have arisen.

No action, regardless of form, arising from or pertaining to the Indices or Marks, may be brought by Licensee more than one (1) year after such action has accrued.

Use of any marks by Licensee in connection with its Product (including in the name of such Product) which are not the Marks is at Licensee’s sole risk.

INDEMNIFICATION.

Licensee, at its sole cost and expense, shall defend, indemnify, and hold S&P, its affiliates and their officers, directors, employees and agents harmless from and against all losses, damages, liabilities, costs, judgments, charges, and expenses, including reasonable attorneys’ fees that arises out of or relates to: (i) a breach by Licensee or its Affiliates of this Agreement and/or any Order Schedule, except insofar as it relates to a breach by S&P of its representations or warranties, agreements or covenants under this Agreement or any Order Schedule or (ii) the Products.

S&P, at its sole cost and expense, shall defend, indemnify and hold Licensee and its officers, directors, employees and agents harmless from and against all losses, damages, liabilities, costs, judgments, charges and expenses, including reasonable attorneys’ fees, directly incurred by Licensee relating to any breach by S&P of its representations or warranties under Section 9 of this Agreement.

The indemnification obligations contained in this Section 10 shall be subject to the party requesting indemnification (i) promptly notifying the other party of any claim or litigation that is subject to such indemnification obligation and (ii) permitting the indemnifying party, at its election, to control the defense and/or (with the prior written consent of the indemnified party) settlement of any such claim or litigation. The party

SUSPENSION OF PERFORMANCE. Except for Licensee’s payment obligations, neither party shall be responsible or liable for any losses arising out of any delay in or interruption of the performance of its obligations under this Agreement and each Order Schedule due to any act of God, act of governmental authority, act of the public enemy or due to war or terrorism, the outbreak or escalation of hostilities, riot, fire, flood, civil commotion, insurrection, labor difficulty (including, without limitation, any strike, or other work stoppage or slow down), severe or adverse weather conditions, communications line failure, or other similar cause beyond the reasonable control of the party so affected at the time such causes arise.

GENERAL.

Governing Law. This Agreement shall be governed by and construed in accordance with the laws of the State of New York, U.S.A., without giving effect to its rules of conflict of laws. Licensee agrees to the exclusive jurisdiction of the state and federal courts sitting in New York, New York, U.S.A. for the resolution of any disputes arising from or related to this Agreement.

Assignment. This Agreement, including any Order Schedule, shall not be assigned or transferred by Licensee without the prior written consent of S&P, and any attempt to so assign or transfer this Agreement without such consent shall be null and void and constitute a material default hereunder. In addition to and notwithstanding the foregoing, if the ownership of Licensee at any time shall pass out of the majority control of its then current owners by sale of stock or assets, merger or otherwise, Licensee shall give S&P written notice not fewer than thirty (30) days prior to the effective date of any change of control. S&P shall have the right to terminate any or all Order Schedules by providing written notice to Licensee within thirty (30) days following receipt of such notice of change of control. If S&P does not elect to terminate any or all Order Schedules, the new owners of Licensee shall assume all of Licensee’s obligations under this Agreement and the applicable Order Schedule(s) and shall be responsible for adhering to all of the terms and conditions thereof.

Confidential Information. The parties understand and agree that in the performance of this Agreement each party may have access to Confidential Information of the other party. For purposes of this Agreement, “Confidential Information” shall mean information or data (i) that is labeled or identified clearly as confidential by the disclosing party; or (ii) in respect of which the receiving party has received from the disclosing party specific written notice of its proprietary and confidential nature, either prior to or concurrently with the disclosure. Neither party shall disclose, directly or indirectly, in whole or in part, to any third person, firm or corporation, any Confidential Information which it receives from the other party, except that any such information may be disclosed to a party’s employees, agents or advisors (i) to the extent that party reasonably determines such disclosure to be necessary for the performance of such party’s obligation hereunder; and (ii) provided that the receiving party is under the same obligations of confidentiality as are set out in this Section 12(C). Neither party shall use the Confidential Information for its own benefit, or copy or reproduce the Confidential Information, except as reasonably determined is necessary to perform its obligations under this Agreement or any Order Schedule. Each party shall use the same degree of care in safeguarding the Confidential Information as it uses for its own confidential and proprietary information, but not less than a reasonable degree of care. Notwithstanding, information and data disclosed shall not be deemed to be Confidential Information, and the receiving party shall have no obligation to treat such information and data as Confidential Information, if such information and data: (i) was substantially known by the receiving party at the time of such disclosure; (ii) was known to the public at the time of such disclosure; (iii) becomes known to the public (other than by act of the receiving party) subsequent to such disclosure; (iv) is disclosed lawfully to the receiving party by a third party subsequent to the disclosure; (v) is developed independently by the receiving party without reference to the Confidential

Entire Agreement. This Agreement and each Order Schedule constitutes the entire agreement of the parties hereto with respect to its subject matter and may be amended or modified only by a writing signed by duly authorized officers of both parties. This Agreement and each Order Schedule supersede all previous agreements between the parties with respect to its subject matter. There are no oral or written collateral representations, agreements or understandings except as provided herein.

Headings. Headings used in this Agreement are for reference purposes only and shall not be deemed a part of this Agreement.

Waiver. The failure of a party to insist upon strict compliance with any term or provision of this Agreement and Order Schedule on any occasion shall not be construed as a waiver with regard to any subsequent failure to comply with such term or provision. No provision of this Agreement or any Order Schedule shall be waived except by a written instrument signed by the party charged with the waiver.

Severability. If any part of this Agreement or any Order Schedule is held by a court of competent jurisdiction to be invalid or unenforceable, that part will be enforced to the maximum extent permitted by law, and the remainder of this Agreement including the applicable Order Schedule will remain fully in force.

Third Party Beneficiaries. Licensee agrees that any affiliate of S&P and any third-party licensor of any portion of the Indices or Marks may enforce its rights against Licensee as an intended third party beneficiary of this Agreement and applicable Order Schedule, even though such entity is not a party to this Agreement and such Order Schedule.

Effect of Breach. No breach, default or threatened breach of this Agreement and any Order Schedule by either party shall relieve the other party of its obligations or liabilities under this Agreement and such Order Schedule with respect to the protection of the property or proprietary nature of any property which is the subject of this Agreement and Order Schedule.

Notice. Except as set forth in Section 6 hereof with respect to Informational Materials, all notices and other communications under this Agreement and each Order Schedule shall be in writing and shall be deemed to have been duly delivered, as of the date received, if delivered by hand, or sent postage prepaid by registered mail or certified mail return receipt requested, with acknowledgment by the receiving party, to the below address or such other address as either party shall specify in a written notice to the other.

S&P contact as indicated on each Order Schedule, with a copy to:

Standard & Poor’s Financial Services LLC

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New York, New York 10041

Attention: Global Licensing & Contracts

And,

S&P Opco, LLC

C/o S&P Dow ▇▇▇▇▇ Indices LLC

▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇^▇▇ ▇▇▇▇▇

New York, New York 10041

Attention: Legal Department

Survival. Sections 3(J), 3(K), 4, 8, 9, 10 and 12 shall survive any termination of this Agreement or any Order Schedule.

Electronic Agreement. Subject to the Opt Out provision in this Agreement, the parties agree that the electronic copy of this Agreement retained by S&P constitutes the “original”, complete and exclusive statement of this Agreement, and that no paper copy of this Agreement (including any paper copy retained by Licensee may be claimed to be the document memorializing this Agreement.

Electronic Agreement “Opt Out”. ☐ Check here if any party executing this Agreement does not consent to the electronic copy of this Agreement serving as the “original” pursuant to Section 12(L) above and requires that the original Agreement is maintained in paper form.

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Contract No. 00961399.0

Mutual of America_IndexIP_OS1_Insurance_20200423_CLN_DTR

Notice to S&P:

S&P Opco, LLC

c/o S&P Dow ▇▇▇▇▇ Indices LLC

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New York, New York 10041

Attention: ▇▇▇▇ ▇▇▇▇▇▇▇, Managing Director

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A portfolio of an investment company registered under the Investment Company Act of 1940 whose investment objective is to invest primarily in the 500 common stocks included in the S&P 500^® Index to replicate, to the extent practicable, the weightings of such stocks in the S&P 500^® Index. Product 1 may be offered by the Licensee Affiliates listed below for the specific purposes identified therein.

A portfolio of an investment company registered under the Investment Company Act of 1940 that has an indexed portion and an actively managed portion. The indexed portion of the portfolio is invested in the 500 common stocks included in the S&P 500^® Index to replicate, to the extent practicable, the weightings of such stocks in the S&P 500^® Index with respect to that indexed portion of the portfolio’s total assets. Product 2 may be offered by the Licensee Affiliates listed below for the specific purposes identified therein

A portfolio of an investment company registered under the Investment Company Act of 1940 that invests primarily in the 400 common stocks included in the S&P MidCap 400^® Index to replicate, to the extent practicable, the weightings of such stocks in the S&P MidCap 400^® Index. Product 3 may be offered by the Licensee Affiliates listed below for the specific purposes identified therein.

A portfolio of an investment company registered under the Investment Company Act of 1940 that invests primarily in the 600 common stocks included in the S&P SmallCap 600^® Index to replicate, to the extent practicable, the weightings of such stocks in the S&P SmallCap 600^® Index. Product 4 may be offered by the Licensee Affiliates listed below for the specific purposes identified therein.

insurance company separate accounts managed by Licensee or its Affiliates to fund individual and group variable annuity contracts issued by Licensee or its Affiliates; and

group retirement plans and retail investors (i.e., a retail mutual fund).

An open-end management investment company issued by Licensee or its Affiliates that makes its funds available to:

insurance company separate accounts managed by Licensee or its Affiliates to fund individual and group variable annuity products issued by Licensee or its Affiliates; and

group retirement plans and retail investors (i.e., a retail mutual fund).

An open-end management investment company issued by Licensee or its Affiliates that makes its funds available to insurance company separate accounts to fund individual variable annuity contracts and variable universal life insurance policies, which contracts and policies are issued by Licensee or its Affiliates.

Licensee Billing Contact:

Contract No. 00984916.0

Mutual of America_IndexIP_OS2_20200423_CLN_DTR

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Mutual of America Catholic Values Index Fund (the “Fund”)

to insurance company separate accounts managed by Licensee or its Affiliates to fund individual and group variable annuity products issued by Licensee or its Affiliates; and

as a retail fund managed by Licensee or its Affiliates to group retirement plans and retail investors (i.e., a retail mutual fund).