RiverSource Flexible Portfolio Annuity Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Annuities for month ending 01/31/2019 and quarter ending 12/31/2018 Current applicable charges deducted from performance include a 1.25% Mortality and Expense (M & E) fee and administrative charge, if applicable, $30 contract administrative charge and 7.00% declining surrender charge for purchase payments less than 9 years old. The fees you are paying may be different. Refer to your contract for details. Premium taxes, where applicable, are not reflected in these total returns. If they had been included, the returns would be lower. The contract form number for this product is 31030. No new contracts are currently being sold. Inception Commencement of the Fund Inception 1-month 3-month YTD 1-yr. 3-yr. 5-yr. 10-yr. Commencement of fund Inception* 1-yr. 3-yr. 5-yr. 10-yr. Inception* CASH EQUIVALENTS Columbia Variable Portfolio - Government Money Market Fund (Class 3) No Surrender Charges (03/05/1996) (10/13/1981) 0.01% 0.12% 0.01% 0.18% -0.68% -0.92% -1.09% 0.74% 0.18% -0.68% -0.92% -1.09% 2.61% With Surrender Charges (03/05/1996) (10/13/1981) -6.99% -6.88% -6.99% -6.82% -3.11% -1.98% -1.09% 0.74% -6.82% -3.11% -1.98% -1.09% 2.61% Columbia Variable Portfolio - Government Money Market Fund (Class 3) seven-day simple yield was 2.02% and its seven-day compound yield was 2.04% as of the month ending 01/31/2019. The yield more closely reflects the current earnings than the total return quotation. LONG-/INTERMEDIATE-TERM FIXED INCOME Columbia Variable Portfolio - Intermediate Bond Fund (Class 3) No Surrender Charges (03/05/1996) (10/13/1981) 1.53% 3.47% 1.53% 1.33% 1.77% 1.50% 3.52% 3.04% 1.33% 1.77% 1.50% 3.52% 6.02% With Surrender Charges (03/05/1996) (10/13/1981) -5.47% -3.53% -5.47% -5.67% -0.54% 0.54% 3.52% 3.04% -5.67% -0.54% 0.54% 3.52% 6.02% INTERNATIONAL FIXED INCOME Columbia Variable Portfolio - Global Strategic Income Fund (Class 3) No Surrender Charges (05/01/1996) (05/01/1996) 2.17% 2.71% 2.17% -5.96% -0.52% -2.14% 0.55% 2.21% -5.96% -0.52% -2.14% 0.55% 2.21% With Surrender Charges (05/01/1996) (05/01/1996) -4.83% -4.29% -4.83% -12.96% -2.94% -3.25% 0.55% 2.21% -12.96% -2.94% -3.25% 0.55% 2.21% HIGH-YIELD FIXED INCOME Columbia Variable Portfolio - High Yield Bond Fund (Class 3) No Surrender Charges (05/01/1996) (05/01/1996) 4.85% 1.19% 4.85% -0.78% 5.18% 2.71% 8.85% 4.58% -0.78% 5.18% 2.71% 8.85% 4.58% With Surrender Charges (05/01/1996) (05/01/1996) -2.15% -5.81% -2.15% -7.78% 3.03% 1.79% 8.85% 4.58% -7.78% 3.03% 1.79% 8.85% 4.58% BALANCED Columbia Variable Portfolio - Balanced Fund (Class 3) No Surrender Charges (03/05/1996) (04/30/1986) 5.42% 0.39% 5.42% -4.93% 6.24% 5.38% 9.70% 5.01% -4.93% 6.24% 5.38% 9.70% 6.50% With Surrender Charges (03/05/1996) (04/30/1986) -1.58% -6.61% -1.58% -11.93% 4.13% 4.55% 9.70% 5.01% -11.93% 4.13% 4.55% 9.70% 6.50% LARGE CAP STOCK Invesco V.I. Core Equity Fund, Series I Shares No Surrender Charges (03/05/1996) (05/02/1994) 8.69% 1.08% 8.69% -6.98% 7.51% 3.84% 9.39% 5.36% -6.98% 7.51% 3.84% 9.39% 6.35% With Surrender Charges (03/05/1996) (05/02/1994) 1.69% -5.92% 1.69% -13.98% 5.46% 2.97% 9.39% 5.36% -13.98% 5.46% 2.97% 9.39% 6.35% Columbia Variable Portfolio - Disciplined Core Fund (Class 3) No Surrender Charges (03/05/1996) (10/13/1981) 7.77% -0.15% 7.77% -2.96% 12.78% 9.62% 14.06% 4.80% -2.96% 12.78% 9.62% 14.06% 8.13% With Surrender Charges (03/05/1996) (10/13/1981) 0.77% -7.15% 0.77% -9.96% 10.92% 8.92% 14.06% 4.80% -9.96% 10.92% 8.92% 14.06% 8.13% Putnam VT Sustainable Leaders Fund - Class IA Shares No Surrender Charges (03/05/1996) (05/02/1994) 8.35% 1.66% 8.35% -2.67% 15.70% 10.19% 14.23% 5.50% -2.67% 15.70% 10.19% 14.23% 7.20% With Surrender Charges (03/05/1996) (05/02/1994) 1.35% -5.34% 1.35% -9.67% 13.93% 9.51% 14.23% 5.50% -9.67% 13.93% 9.51% 14.23% 7.20% VARIABLE ANNUITIES: ARE NOT A DEPOSIT OF ANY BANK OR ANY BANK AFFILIATE ARE NOT FDIC INSURED ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY ARE NOT BANK GUARANTEED MAY LOSE VALUE Page 1 of 6
RiverSource Flexible Portfolio Annuity Inception Commencement of the Fund Inception 1-month 3-month YTD 1-yr. 3-yr. 5-yr. 10-yr. Commencement of fund Inception* 1-yr. 3-yr. 5-yr. 10-yr. Inception* LARGE CAP STOCK (CONT.) Columbia Variable Portfolio - Dividend Opportunity Fund (Class 3) No Surrender Charges (02/13/2009) (09/15/1999) 7.05% 1.16% 7.05% -3.66% 8.86% 6.37% - 10.84% -3.66% 8.86% 6.37% 11.04% 5.45% With Surrender Charges (02/13/2009) (09/15/1999) 0.05% -5.84% 0.05% -10.66% 6.86% 5.57% - 10.84% -10.66% 6.86% 5.57% 11.04% 5.45% MID CAP STOCK Columbia Variable Portfolio - Mid Cap Growth Fund (Class 3) No Surrender Charges (03/17/2006) (05/01/2001) 9.67% 2.08% 9.67% -2.25% 11.45% 7.09% 13.08% 5.29% -2.25% 11.45% 7.09% 13.08% 5.00% With Surrender Charges (03/17/2006) (05/01/2001) 2.67% -4.92% 2.67% -9.25% 9.54% 6.31% 13.08% 5.29% -9.25% 9.54% 6.31% 13.08% 5.00% INTERNATIONAL STOCK Columbia Variable Portfolio - Overseas Core Fund (Class 3) No Surrender Charges (03/05/1996) (01/13/1992) 9.19% 1.76% 9.19% -14.56% 4.03% 0.92% 6.46% 2.21% -14.56% 4.03% 0.92% 6.46% 3.12% With Surrender Charges (03/05/1996) (01/13/1992) 2.19% -5.24% 2.19% -21.56% 1.83% -0.06% 6.46% 2.21% -21.56% 1.83% -0.06% 6.46% 3.12% Columbia Variable Portfolio - Emerging Markets Fund (Class 3) No Surrender Charges (02/13/2009) (05/01/2000) 9.88% 9.85% 9.88% -20.06% 10.64% 3.17% - 7.77% -20.06% 10.64% 3.17% 8.34% 4.97% With Surrender Charges (02/13/2009) (05/01/2000) 2.88% 2.85% 2.88% -27.06% 8.70% 2.27% - 7.77% -27.06% 8.70% 2.27% 8.34% 4.97% Page 2 of 6
RiverSource Flexible Portfolio Annuity Inception Commencement of the as of quarter-ending 12/31/2018 Fund Inception 1-month 3-month YTD 1-yr. 3-yr. 5-yr. 10-yr. Commencement of fund as of quarter-ending 12/31/2018 Inception* 1-yr. 3-yr. 5-yr. 10-yr. Inception* CASH EQUIVALENTS Columbia Variable Portfolio - Government Money Market Fund (Class 3) No Surrender Charges (03/05/1996) (10/13/1981) 0.01% 0.10% 0.08% 0.08% -0.73% -0.95% -1.10% 0.74% 0.08% -0.73% -0.95% -1.10% 2.62% With Surrender Charges (03/05/1996) (10/13/1981) -6.99% -6.90% -6.92% -6.92% -3.16% -2.01% -1.10% 0.74% -6.92% -3.16% -2.01% -1.10% 2.62% Columbia Variable Portfolio - Government Money Market Fund (Class 3) seven-day simple yield was 2.02% and its seven-day compound yield was 2.04% as of the quarter ending 12/31/2018. The yield more closely reflects the current earnings than the total return quotation. LONG-/INTERMEDIATE-TERM FIXED INCOME Columbia Variable Portfolio - Intermediate Bond Fund (Class 3) No Surrender Charges (03/05/1996) (10/13/1981) 1.36% 0.63% -1.03% -1.03% 1.51% 1.46% 3.43% 2.98% -1.03% 1.51% 1.46% 3.43% 5.99% With Surrender Charges (03/05/1996) (10/13/1981) -5.64% -6.37% -8.03% -8.03% -0.81% 0.50% 3.43% 2.98% -8.03% -0.81% 0.50% 3.43% 5.99% INTERNATIONAL FIXED INCOME Columbia Variable Portfolio - Global Strategic Income Fund (Class 3) No Surrender Charges (05/01/1996) (05/01/1996) 0.46% -1.21% -6.57% -6.57% -1.65% -2.60% 0.04% 2.12% -6.57% -1.65% -2.60% 0.04% 2.12% With Surrender Charges (05/01/1996) (05/01/1996) -6.54% -8.21% -13.57% -13.57% -4.13% -3.74% 0.04% 2.12% -13.57% -4.13% -3.74% 0.04% 2.12% HIGH-YIELD FIXED INCOME Columbia Variable Portfolio - High Yield Bond Fund (Class 3) No Surrender Charges (05/01/1996) (05/01/1996) -2.67% -5.41% -5.24% -5.24% 3.17% 1.85% 8.88% 4.38% -5.24% 3.17% 1.85% 8.88% 4.38% With Surrender Charges (05/01/1996) (05/01/1996) -9.67% -12.41% -12.24% -12.24% 0.92% 0.91% 8.88% 4.38% -12.24% 0.92% 0.91% 8.88% 4.38% BALANCED Columbia Variable Portfolio - Balanced Fund (Class 3) No Surrender Charges (03/05/1996) (04/30/1986) -5.76% -9.51% -7.11% -7.11% 3.33% 3.79% 8.43% 4.79% -7.11% 3.33% 3.79% 8.43% 6.35% With Surrender Charges (03/05/1996) (04/30/1986) -12.76% -16.51% -14.11% -14.11% 1.09% 2.91% 8.43% 4.79% -14.11% 1.09% 2.91% 8.43% 6.35% LARGE CAP STOCK Invesco V.I. Core Equity Fund, Series I Shares No Surrender Charges (03/05/1996) (05/02/1994) -10.04% -14.31% -10.57% -10.57% 2.84% 1.55% 7.68% 5.00% -10.57% 2.84% 1.55% 7.68% 6.02% With Surrender Charges (03/05/1996) (05/02/1994) -17.04% -21.31% -17.57% -17.57% 0.59% 0.59% 7.68% 5.00% -17.57% 0.59% 0.59% 7.68% 6.02% Columbia Variable Portfolio - Disciplined Core Fund (Class 3) No Surrender Charges (03/05/1996) (10/13/1981) -8.56% -14.17% -4.99% -4.99% 7.48% 7.04% 11.90% 4.47% -4.99% 7.48% 7.04% 11.90% 7.93% With Surrender Charges (03/05/1996) (10/13/1981) -15.56% -21.17% -11.99% -11.99% 5.42% 6.27% 11.90% 4.47% -11.99% 5.42% 6.27% 11.90% 7.93% Putnam VT Sustainable Leaders Fund - Class IA Shares No Surrender Charges (03/05/1996) (05/02/1994) -7.99% -14.23% -2.56% -2.56% 9.96% 8.07% 12.84% 5.15% -2.56% 9.96% 8.07% 12.84% 6.88% With Surrender Charges (03/05/1996) (05/02/1994) -14.99% -21.23% -9.56% -9.56% 8.00% 7.32% 12.84% 5.15% -9.56% 8.00% 7.32% 12.84% 6.88% Columbia Variable Portfolio - Dividend Opportunity Fund (Class 3) No Surrender Charges (02/13/2009) (09/15/1999) -8.68% -10.16% -7.09% -7.09% 5.52% 4.12% - 10.17% -7.09% 5.52% 4.12% 8.91% 5.10% With Surrender Charges (02/13/2009) (09/15/1999) -15.68% -17.16% -14.09% -14.09% 3.38% 3.25% - 10.17% -14.09% 3.38% 3.25% 8.91% 5.10% MID CAP STOCK Columbia Variable Portfolio - Mid Cap Growth Fund (Class 3) No Surrender Charges (03/17/2006) (05/01/2001) -9.57% -16.41% -6.09% -6.09% 4.71% 4.84% 11.76% 4.57% -6.09% 4.71% 4.84% 11.76% 4.47% With Surrender Charges (03/17/2006) (05/01/2001) -16.57% -23.41% -13.09% -13.09% 2.54% 4.00% 11.76% 4.57% -13.09% 2.54% 4.00% 11.76% 4.47% INTERNATIONAL STOCK Columbia Variable Portfolio - Overseas Core Fund (Class 3) No Surrender Charges (03/05/1996) (01/13/1992) -6.68% -13.97% -17.79% -17.79% -1.41% -2.16% 4.41% 1.83% -17.79% -1.41% -2.16% 4.41% 2.79% With Surrender Charges (03/05/1996) (01/13/1992) -13.68% -20.97% -24.79% -24.79% -3.87% -3.27% 4.41% 1.83% -24.79% -3.87% -3.27% 4.41% 2.79% Columbia Variable Portfolio - Emerging Markets Fund (Class 3) No Surrender Charges (02/13/2009) (05/01/2000) -4.43% -10.31% -22.60% -22.60% 5.21% 0.18% - 6.81% -22.60% 5.21% 0.18% 6.34% 4.46% With Surrender Charges (02/13/2009) (05/01/2000) -11.43% -17.31% -29.60% -29.60% 3.06% -0.83% - 6.81% -29.60% 3.06% -0.83% 6.34% 4.46% Page 3 of 6
*If subaccount or fund is less than 1 year old, the reported returns are cumulative, not annualized. Performance information shown represents past performance and is not a guarantee of future results. The investment return and principal value of your investment will fluctuate so that your shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the performance information shown. We show actual performance from the date the subaccounts began investing in the funds. We also show performance from the commencement date of the funds as if the annuity existed at that time, which it did not. inception date is the date on which a price level (based on various benefits and fees) is first offered in any product. If that same price level is later added to another product, we continue to use the original inception date. In one product, there can be multiple price levels invested in the same underlying fund. A fund underlying your contract in which a subaccount invests may have a name, portfolio manager, objective, strategies and characteristics that are the same or substantially similar to those of a publicly-traded retail mutual fund. Despite these similarities, an underlying fund is not the same as any publicly-traded retail mutual fund. Each underlying fund will have its own unique portfolio holdings, fees, operating expenses and operating results. The results of each underlying fund may differ significantly from any publicly-traded retail mutual fund. Variable annuities are insurance products that are complex, long-term investment vehicles that are subject to market risk, including the potential loss of principal invested. You should consider the investment objectives, risks, charges and expenses of the variable annuity and its underlying investment options carefully before investing. For a free copy of the annuity's prospectus and underlying investment's prospectus, which contains this and other information about variable annuities, call 1 (800) 333-3437. Read the prospectus carefully before you invest. RiverSource Life Insurance Company offers several different annuities which your investment professional may be authorized to offer you. Each annuity has different features and benefits that may be appropriate for you based on your financial situation and needs, your risk tolerance, your age and how you intend to use the annuity. The different features and benefits may include the investment options, fund managers, interest rate amounts, guarantees, bonus crediting, surrender charge schedules, optional riders and access to annuity account values. The fees and charges may also be different among the annuity contracts we offer. Keep in mind that all guarantees are based on the continued claims paying ability of the issuing company and on variable annuities do not apply to the performance of the variable subaccounts, which will vary with market conditions. Page 4 of 6
Cash Management An investment in the Cash Management fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks to maintain the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund. The 7-day yields shown reflect more closely the earnings of the fund than the total return numbers. Short-term yields may be higher or lower than the figures shown. Contact your advisor or call 1(800) 862-7919 for the most current yield. U.S. Equities Mid Cap: Stocks of medium sized companies involve greater risks and volatility than stocks in larger, more established companies. Small-Cap: Stocks of small-sized companies are more volatile and less liquid than the stocks of larger companies. Small company securities involve special risks such as relatively small revenues, limited product lines, and small market shares. International Stock International investment involves increased risk and volatility due to potential political and economic instability, currency fluctuations, and differences in financial reporting and accounting standards and oversight. Risks are particularly significant in emerging markets. Bonds There are risks associated with an investment in a bond fund, including credit risk, interest rate risk, prepayment risk, and extension risk. In general, bond prices rise when interest rates fall and vice versa. This effect is more pronounced for longer-term securities. Non-investment grade bonds, commonly called "high-yield" or "junk" bonds, have more volatile prices and carry more risk to principal and income than investment grade securities. Specialty Funds whose investments are concentrated in a specific industry, sector, or geographic area may be subject to a higher degree of market risk than funds whose investments are diversified. Commodities While commodities carry risk levels comparable to equities, their prices can be impacted by a wide range of forces including; demographic and technological change, weather, geopolitical events, etc. These factors may lead uncertainly in the marketplace, causing individual commodity prices to move sharply higher or lower. This potential for increased volatility may not make this investment suitable for all investors. Real Estate Real estate investments are a narrowly focused sector investment and may exhibit higher volatility than investments with broader investment objectives. An investment in real estate is subject to the same risks as a direct investment in real estate. Such risks include market risk, economic risk and mortgage rate risk. Pyramis Trademark Pyramis is a registered service mark of FMR LLC. Used Under License. S&P Trademark Standard & Poor's, S&P, S&P 500 and Standard & Poor's 500 are trademarks of The McGraw-Hill Companies, Inc. These trademarks have been licensed for use by Ameriprise Financial Services, Inc. The Fund is not sponsored, endorsed, sold or promoted by Standard & Poor's or any of its subsidiaries or affiliates (the Licensors) and the Licensors make no representation regarding the advisability of investing in the Fund. Page 5 of 6
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