Definitions of Principal Risks

Definitions of Principal Risks - SSGA

*Investors who redeem, transfer or exchange any amount out of the Investment Option must wait sixty (60) calendar days before transferring or exchanging any amount back into the Investment Option.

**Investors who redeem, transfer or exchange any amount out of the Investment Option must wait thirty (30) calendar days before transferring or exchanging any amount back into the Investment Option.

***Trading is subject to any fund imposed limits on the frequency or timing of trades. In addition, transfers may be restricted for participants who are making frequent transfers that violate the 401(k) product's frequent trading policy which limits the number of times that you may transfer your account into and out of the same fund in a calendar quarter.

1. Guaranteed daily compound interest rates are declared by United of Omaha and have been reduced for all investment and administrative expenses. The Guaranteed Account is an individual investment choice and is not part of the program used by Mutual of Omaha to monitor investment options in the Retirement Savings Program. The illustrated returns are intended for historical comparison only and are not intended to represent actual returns for any individual contract. Actual returns will vary for each contract and will depend on the timing of the deposits and withdrawals. For this illustration, returns are calculated assuming that a $100 deposit is invested at the beginning of each month (starting 12/91), held in the contract for five years and then withdrawn with interest at the end of those five years. The resulting returns are the weighted average of the initial guaranteed rates for the prior 60-month period.
2. Guaranteed daily compound interest rates are declared by United of Omaha and have been reduced for all investment and administrative expenses. The Lifetime Guaranteed Income Account is an individual investment choice and is not part of the program used by Mutual of Omaha to monitor investment options in the Retirement Savings Program. The illustrated returns are intended for historical comparison only and are not intended to represent actual returns for any individual contract. Actual returns will vary for each contract and will depend on the timing of the deposits and withdrawals. For this illustration, returns are calculated assuming that a $100 deposit is invested at the beginning of each month (starting 12/91), held in the contract for five years and then withdrawn with interest at the end of those five years. The resulting returns are the weighted average of the initial guaranteed rates for the prior 60-month period.

Investment options are offered through a group variable annuity contract (Forms 902-GAQC-09 or 902-GAQC-09(CT) or 902-GAQC-09(OR)) underwritten by United of Omaha Life Insurance Company, Omaha, NE 68175 accepts full responsibility for all of United’s contractual obligations under the contract but does not guarantee any contributions or investment returns except as to the Guaranteed Account and the Lifetime Guaranteed Income Account as provided under the contract. Neither United of Omaha Life Insurance Company nor its representatives or affiliates offers investment advice in connection with the contract.