While these ratings do not apply to the safety or investment performance of the Separate Account investment options available under Mutual of America's products, they do reflect the Company's ability to fulfill its General Account obligations, which include its obligations under the Interest Accumulation Account, annuity purchase rate guarantees and annuity benefit payouts, as well as life insurance and disability income payments. Third-party ratings are subject to change. A.M. Best, S&P Global Ratings and Fitch Ratings are independent rating agencies. S&P® is a trademark of Standard & Poor's Financial Services LLC.