RiverSource Variable Universal Life 5 - New York

RiverSource Variable Universal Life 5 - New York Issued by RiverSource Life Insurance Co. of New York Performance for Insurance for month ending 03/31/2019 and quarter ending 03/31/2019 Average annual rates of return reflect all charges incurred by the funds and charges against the subaccounts (including the mortality and expense risk charge). The rates labeled Without Charges do not reflect the premium expense charge, surrender charge or monthly deduction charge. If these charges have been deducted, the performance quoted would have been significantly lower. The rates labeled With Charges do reflect the premium expense charge of 4.00% but do not reflect the surrender charge or monthly deduction charge. If these charges had been deducted, the performance quoted would have been significantly lower. The monthly deductions charge includes the cost of insurance charge which is based on the amount of the death benefit, the policy value and the insured's attained insurance age, sex and risk classification. The surrender charge is based on the insured's insurance age, sex, risk classification and the initial specified amounts. The impact of the policy charges on the policy values can be significant. You are urged to obtain a personalized illustration from your financial advisor prior to finalizing your purchase. The policy form numbers for this product are 138795 and 138795-ES. Commencement of the 1-month 3-month YTD 1-yr. 3-yr. 5-yr. 10-yr. * 1-yr. 3-yr. 5-yr. 10-yr. * PORTFOLIO STABILIZER GLOBAL Variable Portfolio - Managed Volatility Growth (Class 2) Without Charges (06/30/2014) (04/12/2013) 1.25% 9.25% 9.25% 1.62% 7.07% - - 3.68% 1.62% 7.07% 4.22% - 5.57% With Charges (06/30/2014) (04/12/2013) -2.80% 4.88% 4.88% -2.45% 5.62% - - 2.79% -2.45% 5.62% 3.37% - 4.85% Variable Portfolio - Managed Volatility Moderate Growth (Class 2) Without Charges (06/30/2014) (04/19/2012) 1.34% 7.78% 7.78% 2.35% 6.09% - - 3.48% 2.35% 6.09% 3.94% - 5.39% With Charges (06/30/2014) (04/19/2012) -2.72% 3.47% 3.47% -1.75% 4.66% - - 2.60% -1.75% 4.66% 3.10% - 4.77% Variable Portfolio - Managed Volatility Conservative Growth (Class 2) Without Charges (06/30/2014) (04/12/2013) 1.46% 6.36% 6.36% 2.87% 4.91% - - 3.03% 2.87% 4.91% 3.42% - 3.87% With Charges (06/30/2014) (04/12/2013) -2.60% 2.11% 2.11% -1.24% 3.49% - - 2.15% -1.24% 3.49% 2.58% - 3.16% Variable Portfolio - Managed Volatility Conservative (Class 2) Without Charges (06/30/2014) (04/12/2013) 1.71% 4.94% 4.94% 3.48% 3.77% - - 2.63% 3.48% 3.77% 2.95% - 2.94% With Charges (06/30/2014) (04/12/2013) -2.36% 0.74% 0.74% -0.66% 2.37% - - 1.75% -0.66% 2.37% 2.12% - 2.24% PORTFOLIO NAVIGATOR Variable Portfolio - Aggressive Portfolio (Class 2) Without Charges (11/19/2012) (05/07/2010) 1.21% 10.88% 10.88% 2.19% 8.48% 5.76% - 8.43% 2.19% 8.48% 5.76% - 8.27% With Charges (11/19/2012) (05/07/2010) -2.84% 6.44% 6.44% -1.90% 7.01% 4.90% - 7.74% -1.90% 7.01% 4.90% - 7.78% Variable Portfolio - Moderately Aggressive Portfolio (Class 2) Without Charges (11/19/2012) (05/07/2010) 1.30% 9.33% 9.33% 2.42% 7.30% 5.11% - 7.15% 2.42% 7.30% 5.11% - 7.26% With Charges (11/19/2012) (05/07/2010) -2.75% 4.95% 4.95% -1.68% 5.85% 4.25% - 6.47% -1.68% 5.85% 4.25% - 6.77% Variable Portfolio - Moderate Portfolio (Class 2) Without Charges (11/19/2012) (05/07/2010) 1.48% 7.91% 7.91% 2.69% 6.13% 4.48% - 5.90% 2.69% 6.13% 4.48% - 6.29% With Charges (11/19/2012) (05/07/2010) -2.58% 3.59% 3.59% -1.42% 4.70% 3.63% - 5.22% -1.42% 4.70% 3.63% - 5.80% Variable Portfolio - Moderately Conservative Portfolio (Class 2) Without Charges (11/19/2012) (05/07/2010) 1.56% 6.42% 6.42% 2.97% 4.81% 3.78% - 4.57% 2.97% 4.81% 3.78% - 5.13% With Charges (11/19/2012) (05/07/2010) -2.50% 2.16% 2.16% -1.15% 3.39% 2.94% - 3.90% -1.15% 3.39% 2.94% - 4.65% Variable Portfolio - Conservative Portfolio (Class 2) Without Charges (11/19/2012) (05/07/2010) 1.58% 4.89% 4.89% 2.76% 3.56% 3.06% - 3.27% 2.76% 3.56% 3.06% - 4.06% With Charges (11/19/2012) (05/07/2010) -2.48% 0.70% 0.70% -1.35% 2.16% 2.22% - 2.61% -1.35% 2.16% 2.22% - 3.58% Page 1 of 9

Commencement of the 1-month 3-month YTD 1-yr. 3-yr. 5-yr. 10-yr. * 1-yr. 3-yr. 5-yr. 10-yr. * CASH EQUIVALENTS Columbia Variable Portfolio - Government Money Market (Class 2) Without Charges (11/19/2012) (10/13/1981) 0.15% 0.45% 0.45% 1.54% 0.63% 0.38% - 0.30% 1.54% 0.63% 0.38% 0.20% 3.91% With Charges (11/19/2012) (10/13/1981) -3.86% -3.57% -3.57% -2.52% -0.73% -0.44% - -0.34% -2.52% -0.73% -0.44% -0.20% 3.80% Columbia Variable Portfolio - Government Money Market (Class 2) seven-day simple yield was 1.93% and its seven-day compound yield was 1.94% as of the quarter ending 03/31/2019. The yield more closely reflects the current earnings than the total return quotation. SHORT-TERM FIXED INCOME CTIVP - TCW Core Plus Bond (Class 2) Without Charges (11/19/2012) (05/07/2010) 1.81% 3.00% 3.00% 4.37% 1.92% 2.27% - 1.67% 4.37% 1.92% 2.27% - 2.39% With Charges (11/19/2012) (05/07/2010) -2.26% -1.12% -1.12% 0.19% 0.55% 1.44% - 1.02% 0.19% 0.55% 1.44% - 1.92% CTIVP - Wells Fargo Short Duration Government (Class 2) Without Charges (11/19/2012) (05/07/2010) 0.60% 1.00% 1.00% 2.12% 0.72% 0.73% - 0.52% 2.12% 0.72% 0.73% - 0.98% With Charges (11/19/2012) (05/07/2010) -3.43% -3.04% -3.04% -1.96% -0.64% -0.09% - -0.12% -1.96% -0.64% -0.09% - 0.52% Columbia Variable Portfolio - U.S. Government Mortgage (Class 2) Without Charges (11/19/2012) (09/15/1999) 1.75% 2.55% 2.55% 5.10% 2.72% 2.97% - 2.25% 5.10% 2.72% 2.97% 2.36% 2.88% With Charges (11/19/2012) (09/15/1999) -2.32% -1.55% -1.55% 0.90% 1.33% 2.13% - 1.60% 0.90% 1.33% 2.13% 1.94% 2.67% Columbia Variable Portfolio - Limited Duration Credit (Class 2) Without Charges (11/19/2012) (05/07/2010) 1.06% 2.81% 2.81% 3.68% 2.81% 1.33% - 1.39% 3.68% 2.81% 1.33% - 2.17% With Charges (11/19/2012) (05/07/2010) -2.98% -1.30% -1.30% -0.47% 1.42% 0.51% - 0.74% -0.47% 1.42% 0.51% - 1.70% LONG-/INTERMEDIATE-TERM FIXED INCOME Columbia Variable Portfolio - Long Government/Credit Bond (Class 2) Without Charges (10/21/2013) (04/30/2013) 4.59% 6.48% 6.48% 4.81% 3.50% 3.45% - 3.40% 4.81% 3.50% 3.45% - 2.50% With Charges (10/21/2013) (04/30/2013) 0.41% 2.22% 2.22% 0.62% 2.10% 2.61% - 2.63% 0.62% 2.10% 2.61% - 1.80% PIMCO VIT Total Return Portfolio, Advisor Class Without Charges (10/21/2013) (02/28/2006) 1.38% 2.93% 2.93% 3.59% 2.56% 2.59% - 2.48% 3.59% 2.56% 2.59% 4.34% 4.77% With Charges (10/21/2013) (02/28/2006) -2.67% -1.18% -1.18% -0.56% 1.18% 1.75% - 1.72% -0.56% 1.18% 1.75% 3.92% 4.44% Variable Portfolio - Partners Core Bond (Class 2) Without Charges (11/19/2012) (05/07/2010) 1.89% 2.87% 2.87% 3.94% 1.75% 2.41% - 1.71% 3.94% 1.75% 2.41% - 2.91% With Charges (11/19/2012) (05/07/2010) -2.18% -1.25% -1.25% -0.22% 0.38% 1.57% - 1.06% -0.22% 0.38% 1.57% - 2.44% Columbia Variable Portfolio - Intermediate Bond (Class 2) Without Charges (11/19/2012) (10/13/1981) 1.96% 3.69% 3.69% 5.06% 3.01% 2.98% - 2.28% 5.06% 3.01% 2.98% 4.76% 7.32% With Charges (11/19/2012) (10/13/1981) -2.12% -0.46% -0.46% 0.86% 1.62% 2.14% - 1.63% 0.86% 1.62% 2.14% 4.33% 7.20% CTIVP - BlackRock Global Inflation-Protected Securities (Class 2) Without Charges (11/19/2012) (09/13/2004) 2.99% 3.96% 3.96% 3.04% 3.64% 3.63% - 2.36% 3.04% 3.64% 3.63% 3.88% 3.81% With Charges (11/19/2012) (09/13/2004) -1.13% -0.20% -0.20% -1.09% 2.24% 2.79% - 1.71% -1.09% 2.24% 2.79% 3.46% 3.52% CTIVP - American Century Diversified Bond (Class 2) Without Charges (11/19/2012) (05/07/2010) 1.94% 3.96% 3.96% 4.00% 2.55% 2.85% - 2.10% 4.00% 2.55% 2.85% - 3.17% With Charges (11/19/2012) (05/07/2010) -2.14% -0.20% -0.20% -0.16% 1.16% 2.02% - 1.44% -0.16% 1.16% 2.02% - 2.70% MULTI-SECTOR FIXED INCOME Oppenheimer Global Strategic Income /VA, Service Shares Without Charges (10/21/2013) (05/03/1993) 0.00% 4.79% 4.79% 0.61% 3.52% 2.04% - 2.21% 0.61% 3.52% 2.04% 6.09% 5.39% With Charges (10/21/2013) (05/03/1993) -4.00% 0.60% 0.60% -3.42% 2.12% 1.21% - 1.45% -3.42% 2.12% 1.21% 5.66% 5.22% Fidelity VIP Strategic Income Portfolio Service Class 2 Without Charges (10/21/2013) (12/23/2003) 0.81% 5.07% 5.07% 2.32% 4.83% 3.24% - 3.45% 2.32% 4.83% 3.24% 6.75% 5.36% With Charges (10/21/2013) (12/23/2003) -3.22% 0.87% 0.87% -1.77% 3.42% 2.40% - 2.68% -1.77% 3.42% 2.40% 6.32% 5.08% Janus Henderson Flexible Bond Portfolio: Service Shares Without Charges (10/21/2013) (12/31/1999) 1.86% 3.11% 3.11% 3.57% 1.76% 2.00% - 2.20% 3.57% 1.76% 2.00% 4.48% 5.07% With Charges (10/21/2013) (12/31/1999) -2.22% -1.02% -1.02% -0.57% 0.38% 1.17% - 1.43% -0.57% 0.38% 1.17% 4.06% 4.85% Columbia Variable Portfolio - Strategic Income (Class 2) Without Charges (11/19/2012) (07/05/1994) 1.21% 4.77% 4.77% 4.35% 5.61% 3.46% - 3.43% 4.35% 5.61% 3.46% 6.63% 6.35% With Charges (11/19/2012) (07/05/1994) -2.83% 0.58% 0.58% 0.18% 4.19% 2.62% - 2.77% 0.18% 4.19% 2.62% 6.19% 6.17% INTERNATIONAL FIXED INCOME Templeton Global Bond VIP - Class 2 Without Charges (10/21/2013) (01/24/1989) -1.38% 1.84% 1.84% 2.33% 3.17% 1.05% - 1.17% 2.33% 3.17% 1.05% 5.29% 6.92% With Charges (10/21/2013) (01/24/1989) -5.33% -2.23% -2.23% -1.76% 1.78% 0.23% - 0.42% -1.76% 1.78% 0.23% 4.86% 6.77% Page 2 of 9

Commencement of the 1-month 3-month YTD 1-yr. 3-yr. 5-yr. 10-yr. * 1-yr. 3-yr. 5-yr. 10-yr. * INTERNATIONAL FIXED INCOME (CONT.) Columbia Variable Portfolio - Global Strategic Income (Class 2) Without Charges (11/19/2012) (05/01/1996) 1.08% 4.57% 4.57% -2.08% -0.41% -1.19% - -1.64% -2.08% -0.41% -1.19% 1.89% 3.55% With Charges (11/19/2012) (05/01/1996) -2.97% 0.39% 0.39% -6.00% -1.76% -2.00% - -2.27% -6.00% -1.76% -2.00% 1.48% 3.37% Columbia Variable Portfolio - Emerging Markets Bond (Class 2) Without Charges (10/21/2013) (04/30/2012) 1.31% 7.61% 7.61% 0.56% 5.78% 3.80% - 3.61% 0.56% 5.78% 3.80% - 3.56% With Charges (10/21/2013) (04/30/2012) -2.74% 3.31% 3.31% -3.46% 4.35% 2.96% - 2.83% -3.46% 4.35% 2.96% - 2.95% HIGH-YIELD FIXED INCOME Columbia Variable Portfolio - High Yield Bond (Class 2) Without Charges (11/19/2012) (05/01/1996) 0.91% 7.64% 7.64% 5.20% 5.96% 3.99% - 5.01% 5.20% 5.96% 3.99% 10.49% 5.95% With Charges (11/19/2012) (05/01/1996) -3.12% 3.34% 3.34% 0.99% 4.53% 3.14% - 4.34% 0.99% 4.53% 3.14% 10.04% 5.76% Columbia Variable Portfolio - Income Opportunities (Class 2) Without Charges (11/19/2012) (06/01/2004) 0.96% 7.42% 7.42% 5.34% 5.74% 3.88% - 4.76% 5.34% 5.74% 3.88% 9.15% 6.71% With Charges (11/19/2012) (06/01/2004) -3.08% 3.13% 3.13% 1.12% 4.31% 3.03% - 4.09% 1.12% 4.31% 3.03% 8.70% 6.42% Western Asset Variable Global High Yield Bond Portfolio - Class II Without Charges (10/21/2013) (02/26/2004) 0.68% 7.30% 7.30% 4.22% 8.22% 2.92% - 3.40% 4.22% 8.22% 2.92% 10.13% 5.75% With Charges (10/21/2013) (02/26/2004) -3.34% 3.01% 3.01% 0.05% 6.75% 2.09% - 2.63% 0.05% 6.75% 2.09% 9.69% 5.46% BALANCED Janus Henderson Balanced Portfolio: Service Shares Without Charges (04/27/2018) (12/31/1999) 1.47% 8.49% 8.49% - - - - 8.17% 8.44% 10.70% 7.62% 10.75% 6.29% With Charges (04/27/2018) (12/31/1999) -2.59% 4.15% 4.15% - - - - 3.84% 4.11% 9.20% 6.74% 10.30% 6.07% BlackRock Global Allocation V.I. (Class III) Without Charges (11/19/2012) (02/28/1992) 1.02% 7.49% 7.49% -0.18% 5.64% 3.30% - 5.35% -0.18% 5.64% 3.30% 7.24% 6.57% With Charges (11/19/2012) (02/28/1992) -3.02% 3.19% 3.19% -4.18% 4.21% 2.46% - 4.68% -4.18% 4.21% 2.46% 6.80% 6.41% PIMCO VIT All Asset Portfolio, Advisor Class Without Charges (11/19/2012) (04/30/2003) 0.60% 5.30% 5.30% -0.62% 6.65% 2.61% - 2.84% -0.62% 6.65% 2.61% 6.73% 5.45% With Charges (11/19/2012) (04/30/2003) -3.43% 1.09% 1.09% -4.60% 5.21% 1.77% - 2.18% -4.60% 5.21% 1.77% 6.30% 5.18% PIMCO VIT Global Multi-Asset Managed Allocation Portfolio, Advisor Class Without Charges (11/19/2012) (04/15/2009) 1.52% 8.63% 8.63% 4.23% 7.36% 4.71% - 2.92% 4.23% 7.36% 4.71% - 5.17% With Charges (11/19/2012) (04/15/2009) -2.55% 4.28% 4.28% 0.06% 5.91% 3.86% - 2.26% 0.06% 5.91% 3.86% - 4.74% Ivy VIP Asset Strategy, Class II Without Charges (10/21/2013) (05/01/1995) 0.86% 8.99% 8.99% 2.13% 7.35% 0.90% - 1.39% 2.13% 7.35% 0.90% 6.47% 8.73% With Charges (10/21/2013) (05/01/1995) -3.17% 4.63% 4.63% -1.96% 5.90% 0.08% - 0.64% -1.96% 5.90% 0.08% 6.04% 8.55% Invesco V.I. Balanced-Risk Allocation, Series II Shares Without Charges (10/21/2013) (01/23/2009) 2.33% 8.24% 8.24% 2.54% 6.54% 4.24% - 4.03% 2.54% 6.54% 4.24% 8.27% 7.90% With Charges (10/21/2013) (01/23/2009) -1.77% 3.91% 3.91% -1.56% 5.10% 3.39% - 3.25% -1.56% 5.10% 3.39% 7.82% 7.46% Franklin Income VIP - Class 2 Without Charges (10/21/2013) (01/24/1989) 1.06% 9.70% 9.70% 7.30% 9.04% 4.06% - 5.10% 7.30% 9.04% 4.06% 10.29% 8.39% With Charges (10/21/2013) (01/24/1989) -2.98% 5.31% 5.31% 3.01% 7.56% 3.22% - 4.31% 3.01% 7.56% 3.22% 9.85% 8.24% Lazard Retirement Global Dynamic Multi-Asset Portfolio - Service Shares Without Charges (10/21/2013) (04/30/2012) 1.12% 8.70% 8.70% 2.01% 7.61% 5.13% - 5.62% 2.01% 7.61% 5.13% - 7.35% With Charges (10/21/2013) (04/30/2012) -2.92% 4.35% 4.35% -2.07% 6.16% 4.28% - 4.83% -2.07% 6.16% 4.28% - 6.72% AB VPS Dynamic Asset Allocation Portfolio (Class B) Without Charges (10/21/2013) (04/01/2011) 1.28% 7.02% 7.02% 0.32% 5.18% 3.64% - 3.74% 0.32% 5.18% 3.64% - 4.47% With Charges (10/21/2013) (04/01/2011) -2.77% 2.74% 2.74% -3.69% 3.76% 2.80% - 2.96% -3.69% 3.76% 2.80% - 3.94% Columbia Variable Portfolio - Balanced (Class 3) Without Charges (11/19/2012) (04/30/1986) 1.95% 9.67% 9.67% 5.41% 7.50% 6.82% - 9.22% 5.41% 7.50% 6.82% 11.49% 7.93% With Charges (11/19/2012) (04/30/1986) -2.13% 5.28% 5.28% 1.19% 6.05% 5.95% - 8.53% 1.19% 6.05% 5.95% 11.03% 7.80% LARGE CAP STOCK Fidelity VIP Contrafund Portfolio Service Class 2 Without Charges (11/19/2012) (01/03/1995) 2.07% 14.63% 14.63% 6.67% 12.43% 9.06% - 12.54% 6.67% 12.43% 9.06% 14.94% 10.74% With Charges (11/19/2012) (01/03/1995) -2.01% 10.04% 10.04% 2.40% 10.91% 8.17% - 11.82% 2.40% 10.91% 8.17% 14.47% 10.56% CTIVP - Morgan Stanley Advantage (Class 2) Without Charges (11/19/2012) (05/07/2010) 2.96% 18.38% 18.38% 16.25% 18.95% 13.62% - 15.75% 16.25% 18.95% 13.62% - 14.12% With Charges (11/19/2012) (05/07/2010) -1.16% 13.64% 13.64% 11.60% 17.34% 12.70% - 15.01% 11.60% 17.34% 12.70% - 13.60% Page 3 of 9

Commencement of the 1-month 3-month YTD 1-yr. 3-yr. 5-yr. 10-yr. * 1-yr. 3-yr. 5-yr. 10-yr. * LARGE CAP STOCK (CONT.) CTIVP - MFS Value (Class 2) Without Charges (11/19/2012) (05/07/2010) 0.81% 12.78% 12.78% 4.51% 9.77% 7.78% - 12.04% 4.51% 9.77% 7.78% - 10.75% With Charges (11/19/2012) (05/07/2010) -3.22% 8.27% 8.27% 0.33% 8.29% 6.91% - 11.33% 0.33% 8.29% 6.91% - 10.24% Columbia Variable Portfolio - Select Large-Cap Value (Class 2) Without Charges (11/19/2012) (02/04/2004) -0.29% 10.94% 10.94% 0.85% 12.21% 7.48% - 12.71% 0.85% 12.21% 7.48% 15.39% 7.48% With Charges (11/19/2012) (02/04/2004) -4.28% 6.51% 6.51% -3.18% 10.69% 6.60% - 11.99% -3.18% 10.69% 6.60% 14.92% 7.19% CTIVP - MFS Blended Research Core Equity (Class 2) Without Charges (11/19/2012) (05/01/2006) 0.48% 12.29% 12.29% 5.12% 9.77% 8.41% - 11.44% 5.12% 9.77% 8.41% 13.27% 5.99% With Charges (11/19/2012) (05/01/2006) -3.54% 7.80% 7.80% 0.91% 8.29% 7.53% - 10.73% 0.91% 8.29% 7.53% 12.81% 5.65% CTIVP - Loomis Sayles Growth (Class 2) Without Charges (11/19/2012) (05/07/2010) 2.76% 15.99% 15.99% 12.05% 16.80% 14.06% - 16.26% 12.05% 16.80% 14.06% - 14.11% With Charges (11/19/2012) (05/07/2010) -1.35% 11.35% 11.35% 7.57% 15.22% 13.14% - 15.52% 7.57% 15.22% 13.14% - 13.59% Columbia Variable Portfolio - Disciplined Core (Class 2) Without Charges (11/19/2012) (10/13/1981) 0.88% 12.53% 12.53% 8.33% 13.16% 10.59% - 13.99% 8.33% 13.16% 10.59% 16.19% 9.54% With Charges (11/19/2012) (10/13/1981) -3.16% 8.03% 8.03% 3.99% 11.63% 9.69% - 13.26% 3.99% 11.63% 9.69% 15.72% 9.42% Janus Henderson Research Portfolio: Service Shares 1 Without Charges (11/19/2012) (09/13/1993) 2.32% 16.73% 16.73% 12.01% 13.92% 11.52% - 14.12% 12.01% 13.92% 11.52% 15.07% 8.37% With Charges (11/19/2012) (09/13/1993) -1.77% 12.06% 12.06% 7.53% 12.38% 10.61% - 13.39% 7.53% 12.38% 10.61% 14.60% 8.19% Franklin Mutual Shares VIP - Class 2 2 Without Charges (11/19/2012) (11/08/1996) -0.05% 9.94% 9.94% 2.80% 7.78% 4.59% - 8.71% 2.80% 7.78% 4.59% 11.18% 7.08% With Charges (11/19/2012) (11/08/1996) -4.05% 5.54% 5.54% -1.31% 6.32% 3.74% - 8.02% -1.31% 6.32% 3.74% 10.73% 6.88% Neuberger Berman AMT Sustainable Equity Portfolio (Class S) Without Charges (11/19/2012) (02/18/1999) 0.55% 11.76% 11.76% 4.60% 10.62% 8.19% - 12.44% 4.60% 10.62% 8.19% 14.19% 7.10% With Charges (11/19/2012) (02/18/1999) -3.47% 7.29% 7.29% 0.41% 9.13% 7.31% - 11.72% 0.41% 9.13% 7.31% 13.72% 6.88% Columbia Variable Portfolio - Large Cap Growth (Class 2) Without Charges (11/19/2012) (09/15/1999) 2.34% 16.43% 16.43% 8.71% 14.54% 12.13% - 14.77% 8.71% 14.54% 12.13% 16.20% 3.47% With Charges (11/19/2012) (09/15/1999) -1.75% 11.78% 11.78% 4.36% 13.00% 11.22% - 14.03% 4.36% 13.00% 11.22% 15.73% 3.26% CTIVP - Los Angeles Capital Large Cap Growth (Class 2) Without Charges (11/19/2012) (05/07/2010) 2.64% 14.78% 14.78% 12.29% 15.24% 11.30% - 14.43% 12.29% 15.24% 11.30% - 12.93% With Charges (11/19/2012) (05/07/2010) -1.46% 10.19% 10.19% 7.80% 13.69% 10.39% - 13.70% 7.80% 13.69% 10.39% - 12.41% AB VPS Large Cap Growth Portfolio (Class B) 3 Without Charges (11/19/2012) (06/26/1992) 2.45% 16.21% 16.21% 16.12% 17.53% 15.34% - 17.77% 16.12% 17.53% 15.34% 17.18% 10.20% With Charges (11/19/2012) (06/26/1992) -1.65% 11.57% 11.57% 11.48% 15.95% 14.40% - 17.01% 11.48% 15.95% 14.40% 16.70% 10.03% Columbia Variable Portfolio - Dividend Opportunity (Class 2) Without Charges (11/19/2012) (09/15/1999) 1.24% 12.44% 12.44% 8.12% 9.41% 7.41% - 10.77% 8.12% 9.41% 7.41% 12.97% 6.95% With Charges (11/19/2012) (09/15/1999) -2.81% 7.94% 7.94% 3.80% 7.93% 6.54% - 10.06% 3.80% 7.93% 6.54% 12.51% 6.73% CTIVP - T. Rowe Price Large Cap Value (Class 2) Without Charges (11/19/2012) (05/07/2010) 0.76% 11.21% 11.21% 3.54% 8.81% 5.40% - 9.29% 3.54% 8.81% 5.40% - 9.55% With Charges (11/19/2012) (05/07/2010) -3.27% 6.76% 6.76% -0.60% 7.34% 4.55% - 8.59% -0.60% 7.34% 4.55% - 9.05% Columbia Variable Portfolio - Large Cap Index (Class 3) Without Charges (11/19/2012) (05/01/2000) 1.93% 13.53% 13.53% 9.02% 13.02% 10.41% - 13.74% 9.02% 13.02% 10.41% 15.41% 5.10% With Charges (11/19/2012) (05/01/2000) -2.15% 8.99% 8.99% 4.66% 11.49% 9.51% - 13.01% 4.66% 11.49% 9.51% 14.94% 4.88% Columbia Variable Portfolio - Contrarian Core (Class 2) Without Charges (10/21/2013) (04/30/2012) 2.17% 14.16% 14.16% 6.41% 10.78% 9.40% - 10.11% 6.41% 10.78% 9.40% - 12.49% With Charges (10/21/2013) (04/30/2012) -1.91% 9.59% 9.59% 2.15% 9.28% 8.51% - 9.29% 2.15% 9.28% 8.51% - 11.83% American Century VP Value, Class II Without Charges (11/19/2012) (05/01/1996) 0.05% 11.43% 11.43% 4.07% 8.87% 6.79% - 11.04% 4.07% 8.87% 6.79% 12.97% 8.41% With Charges (11/19/2012) (05/01/1996) -3.96% 6.97% 6.97% -0.09% 7.40% 5.93% - 10.33% -0.09% 7.40% 5.93% 12.51% 8.22% MID CAP STOCK CTIVP - Westfield Mid Cap Growth (Class 2) Without Charges (11/19/2012) (05/07/2010) 2.52% 21.15% 21.15% 13.03% 14.29% 9.16% - 12.05% 13.03% 14.29% 9.16% - 11.72% With Charges (11/19/2012) (05/07/2010) -1.58% 16.30% 16.30% 8.51% 12.74% 8.27% - 11.33% 8.51% 12.74% 8.27% - 11.21% Wells Fargo VT Opportunity - Class 2 Without Charges (11/19/2012) (05/08/1992) 2.10% 15.05% 15.05% 7.31% 12.32% 8.45% - 12.63% 7.31% 12.32% 8.45% 15.35% 10.94% With Charges (11/19/2012) (05/08/1992) -1.99% 10.45% 10.45% 3.02% 10.80% 7.57% - 11.91% 3.02% 10.80% 7.57% 14.88% 10.77% Page 4 of 9

Commencement of the 1-month 3-month YTD 1-yr. 3-yr. 5-yr. 10-yr. * 1-yr. 3-yr. 5-yr. 10-yr. * MID CAP STOCK (CONT.) CTIVP - Victory Sycamore Established Value (Class 2) Without Charges (11/19/2012) (02/04/2004) 0.34% 13.38% 13.38% 2.98% 10.85% 9.01% - 13.48% 2.98% 10.85% 9.01% 15.88% 8.55% With Charges (11/19/2012) (02/04/2004) -3.67% 8.85% 8.85% -1.14% 9.35% 8.12% - 12.75% -1.14% 9.35% 8.12% 15.41% 8.26% Columbia Variable Portfolio - Mid Cap Value (Class 2) Without Charges (11/19/2012) (05/02/2005) 0.09% 16.09% 16.09% 3.41% 8.60% 5.72% - 11.53% 3.41% 8.60% 5.72% 14.83% 8.01% With Charges (11/19/2012) (05/02/2005) -3.91% 11.44% 11.44% -0.73% 7.13% 4.86% - 10.81% -0.73% 7.13% 4.86% 14.36% 7.70% Columbia Variable Portfolio - Mid Cap Growth (Class 2) Without Charges (11/19/2012) (05/01/2001) 2.30% 18.45% 18.45% 11.24% 12.78% 9.53% - 12.89% 11.24% 12.78% 9.53% 14.58% 6.69% With Charges (11/19/2012) (05/01/2001) -1.79% 13.72% 13.72% 6.79% 11.25% 8.64% - 12.17% 6.79% 11.25% 8.64% 14.11% 6.44% Morgan Stanley VIF Mid Cap Growth Portfolio, Class II Shares Without Charges (11/19/2012) (10/18/1999) 1.77% 26.78% 26.78% 29.82% 24.80% 11.05% - 15.18% 29.82% 24.80% 11.05% 17.39% 7.89% With Charges (11/19/2012) (10/18/1999) -2.30% 21.70% 21.70% 24.63% 23.12% 10.15% - 14.44% 24.63% 23.12% 10.15% 16.91% 7.67% Fidelity VIP Mid Cap Portfolio Service Class 2 Without Charges (11/19/2012) (12/28/1998) -0.37% 14.59% 14.59% -2.62% 9.77% 6.27% - 11.17% -2.62% 9.77% 6.27% 13.57% 11.87% With Charges (11/19/2012) (12/28/1998) -4.35% 10.01% 10.01% -6.51% 8.28% 5.41% - 10.46% -6.51% 8.28% 5.41% 13.11% 11.65% SMALL CAP STOCK Variable Portfolio - Partners Small Cap Value (Class 2) Without Charges (11/19/2012) (08/14/2001) -2.76% 13.07% 13.07% -0.78% 8.24% 3.62% - 9.04% -0.78% 8.24% 3.62% 12.94% 7.94% With Charges (11/19/2012) (08/14/2001) -6.65% 8.55% 8.55% -4.75% 6.78% 2.78% - 8.34% -4.75% 6.78% 2.78% 12.48% 7.69% Franklin Small Cap Value VIP - Class 2 Without Charges (11/19/2012) (05/01/1998) -2.76% 11.10% 11.10% -1.26% 9.86% 5.04% - 10.84% -1.26% 9.86% 5.04% 14.82% 7.60% With Charges (11/19/2012) (05/01/1998) -6.65% 6.65% 6.65% -5.21% 8.38% 4.18% - 10.13% -5.21% 8.38% 4.18% 14.36% 7.39% Wells Fargo VT Small Cap Growth - Class 2 Without Charges (11/19/2012) (05/01/1995) -1.18% 15.97% 15.97% 8.73% 20.84% 9.56% - 14.70% 8.73% 20.84% 9.56% 16.68% 7.39% With Charges (11/19/2012) (05/01/1995) -5.13% 11.34% 11.34% 4.39% 19.20% 8.67% - 13.97% 4.39% 19.20% 8.67% 16.21% 7.21% Oppenheimer Main Street Small Cap /VA, Service Shares Without Charges (11/19/2012) (05/01/1998) -3.28% 11.93% 11.93% 0.77% 10.40% 6.21% - 12.45% 0.77% 10.40% 6.21% 16.12% 7.87% With Charges (11/19/2012) (05/01/1998) -7.15% 7.45% 7.45% -3.26% 8.90% 5.34% - 11.73% -3.26% 8.90% 5.34% 15.65% 7.66% Columbia Variable Portfolio - Select Smaller-Cap Value (Class 2) Without Charges (11/19/2012) (09/15/1999) -2.13% 12.78% 12.78% -2.78% 7.58% 4.91% - 11.79% -2.78% 7.58% 4.91% 15.69% 7.34% With Charges (11/19/2012) (09/15/1999) -6.04% 8.27% 8.27% -6.67% 6.13% 4.06% - 11.08% -6.67% 6.13% 4.06% 15.22% 7.12% Columbia Variable Portfolio - U.S. Equities (Class 2) Without Charges (11/19/2012) (05/07/2010) -2.45% 15.07% 15.07% -0.98% 9.17% 4.34% - 9.37% -0.98% 9.17% 4.34% - 9.43% With Charges (11/19/2012) (05/07/2010) -6.35% 10.47% 10.47% -4.94% 7.70% 3.50% - 8.67% -4.94% 7.70% 3.50% - 8.92% Variable Portfolio - Partners Small Cap Growth (Class 2) Without Charges (11/19/2012) (05/07/2010) -1.17% 15.53% 15.53% 5.34% 13.20% 5.89% - 10.76% 5.34% 13.20% 5.89% - 10.16% With Charges (11/19/2012) (05/07/2010) -5.12% 10.91% 10.91% 1.13% 11.67% 5.03% - 10.05% 1.13% 11.67% 5.03% - 9.66% WORLD STOCK Oppenheimer Global /VA, Service Shares Without Charges (11/19/2012) (11/12/1990) 1.81% 16.73% 16.73% 1.14% 13.78% 7.67% - 11.36% 1.14% 13.78% 7.67% 13.71% 9.75% With Charges (11/19/2012) (11/12/1990) -2.26% 12.06% 12.06% -2.90% 12.24% 6.79% - 10.64% -2.90% 12.24% 6.79% 13.25% 9.59% INTERNATIONAL STOCK Columbia Variable Portfolio - Overseas Core (Class 2) Without Charges (11/19/2012) (01/13/1992) 0.14% 12.55% 12.55% -6.53% 5.66% 2.07% - 5.32% -6.53% 5.66% 2.07% 8.22% 4.48% With Charges (11/19/2012) (01/13/1992) -3.86% 8.05% 8.05% -10.27% 4.23% 1.24% - 4.64% -10.27% 4.23% 1.24% 7.78% 4.33% CTIVP - Lazard International Equity Advantage (Class 2) Without Charges (10/21/2013) (04/30/2013) 0.82% 10.08% 10.08% -6.75% 5.02% 2.34% - 2.58% -6.75% 5.02% 2.34% - 3.21% With Charges (10/21/2013) (04/30/2013) -3.22% 5.68% 5.68% -10.48% 3.60% 1.50% - 1.81% -10.48% 3.60% 1.50% - 2.50% CTIVP - DFA International Value (Class 2) Without Charges (11/19/2012) (05/07/2010) -0.92% 7.64% 7.64% -9.90% 7.72% 0.23% - 4.57% -9.90% 7.72% 0.23% - 3.03% With Charges (11/19/2012) (05/07/2010) -4.88% 3.33% 3.33% -13.50% 6.27% -0.59% - 3.90% -13.50% 6.27% -0.59% - 2.56% CTIVP - Oppenheimer International Growth (Class 2) Without Charges (11/19/2012) (05/07/2010) 0.89% 10.85% 10.85% -10.29% 2.51% 1.17% - 4.68% -10.29% 2.51% 1.17% - 5.31% With Charges (11/19/2012) (05/07/2010) -3.15% 6.41% 6.41% -13.87% 1.12% 0.35% - 4.01% -13.87% 1.12% 0.35% - 4.83% Page 5 of 9

Commencement of the 1-month 3-month YTD 1-yr. 3-yr. 5-yr. 10-yr. * 1-yr. 3-yr. 5-yr. 10-yr. * INTERNATIONAL STOCK (CONT.) Variable Portfolio - Columbia Wanger International Equities (Class 2) Without Charges (11/19/2012) (05/07/2010) 1.01% 12.39% 12.39% -9.38% 6.15% 2.49% - 6.19% -9.38% 6.15% 2.49% - 6.90% With Charges (11/19/2012) (05/07/2010) -3.03% 7.89% 7.89% -13.00% 4.72% 1.65% - 5.51% -13.00% 4.72% 1.65% - 6.41% CTIVP - AQR International Core Equity (Class 2) Without Charges (11/19/2012) (05/07/2010) 1.18% 10.52% 10.52% -6.56% 4.25% 0.21% - 4.22% -6.56% 4.25% 0.21% - 4.52% With Charges (11/19/2012) (05/07/2010) -2.87% 6.10% 6.10% -10.30% 2.84% -0.60% - 3.56% -10.30% 2.84% -0.60% - 4.05% Columbia Variable Portfolio - Emerging Markets (Class 2) Without Charges (11/19/2012) (05/01/2000) 2.81% 14.31% 14.31% -11.82% 10.56% 4.07% - 4.13% -11.82% 10.56% 4.07% 9.16% 6.42% With Charges (11/19/2012) (05/01/2000) -1.31% 9.74% 9.74% -15.35% 9.07% 3.22% - 3.46% -15.35% 9.07% 3.22% 8.71% 6.20% SPECIALTY/SECTOR MFS Utilities Series - Service Class Without Charges (11/19/2012) (01/03/1995) 3.61% 12.30% 12.30% 15.73% 10.15% 5.40% - 9.05% 15.73% 10.15% 5.40% 12.68% 11.15% With Charges (11/19/2012) (01/03/1995) -0.53% 7.81% 7.81% 11.10% 8.67% 4.54% - 8.35% 11.10% 8.67% 4.54% 12.22% 10.97% ALPS/Alerian Energy Infrastructure Portfolio: Class III Without Charges (10/21/2013) (04/30/2013) 3.72% 21.66% 21.66% 13.90% 9.08% -1.50% - -0.21% 13.90% 9.08% -1.50% - 0.42% With Charges (10/21/2013) (04/30/2013) -0.43% 16.80% 16.80% 9.35% 7.61% -2.31% - -0.96% 9.35% 7.61% -2.31% - -0.27% ALTERNATIVES DWS Alternative Asset Allocation VIP, Class B Without Charges (11/19/2012) (02/02/2009) 1.01% 8.02% 8.02% 2.84% 2.53% 0.71% - 1.32% 2.84% 2.53% 0.71% 4.94% 4.75% With Charges (11/19/2012) (02/02/2009) -3.03% 3.70% 3.70% -1.27% 1.15% -0.11% - 0.67% -1.27% 1.15% -0.11% 4.52% 4.33% Columbia Variable Portfolio - Commodity Strategy (Class 2) Without Charges (10/21/2013) (04/30/2013) -0.37% 5.83% 5.83% -8.56% 0.95% -9.74% - -8.73% -8.56% 0.95% -9.74% - -8.60% With Charges (10/21/2013) (04/30/2013) -4.35% 1.59% 1.59% -12.21% -0.41% -10.48% - -9.41% -12.21% -0.41% -10.48% - -9.22% Columbia Variable Portfolio - Diversified Absolute Return (Class 2) Without Charges (10/21/2013) (04/30/2012) 0.57% 2.65% 2.65% -5.12% -2.25% -1.32% - -1.64% -5.12% -2.25% -1.32% - -1.67% With Charges (10/21/2013) (04/30/2012) -3.46% -1.45% -1.45% -8.91% -3.57% -2.12% - -2.38% -8.91% -3.57% -2.12% - -2.25% CTIVP - AQR Managed Futures Strategy (Class 2) Without Charges (10/21/2013) (04/30/2012) 3.60% 0.84% 0.84% -3.61% -5.70% -0.38% - -0.45% -3.61% -5.70% -0.38% - 0.59% With Charges (10/21/2013) (04/30/2012) -0.55% -3.19% -3.19% -7.47% -6.97% -1.19% - -1.20% -7.47% -6.97% -1.19% - 0.00% VanEck VIP Global Gold (Class S Shares) Without Charges (10/21/2013) (04/29/2013) -2.37% 5.95% 5.95% -4.78% 2.78% -1.54% - -1.78% -4.78% 2.78% -1.54% - -3.48% With Charges (10/21/2013) (04/29/2013) -6.28% 1.71% 1.71% -8.59% 1.39% -2.34% - -2.51% -8.59% 1.39% -2.34% - -4.14% Goldman Sachs VIT Multi-Strategy Alternatives Portfolio - Advisor Shares Without Charges (06/30/2014) (04/25/2014) 1.25% 4.83% 4.83% -1.02% 1.45% - - -1.09% -1.02% 1.45% - - -0.68% With Charges (06/30/2014) (04/25/2014) -2.80% 0.64% 0.64% -4.98% 0.07% - - -1.94% -4.98% 0.07% - - -1.49% Neuberger Berman AMT U.S. Equity Index PutWrite Strategy Portfolio (Class S) Without Charges (06/30/2014) (05/01/2014) 1.06% 6.59% 6.59% 3.55% 2.55% - - -0.25% 3.55% 2.55% - - 0.00% With Charges (06/30/2014) (05/01/2014) -2.98% 2.33% 2.33% -0.60% 1.16% - - -1.11% -0.60% 1.16% - - -0.83% REAL ESTATE CTIVP - CenterSquare Real Estate (Class 2) Without Charges (11/19/2012) (05/07/2010) 3.38% 16.22% 16.22% 18.69% 5.09% 5.76% - 6.58% 18.69% 5.09% 5.76% - 7.70% With Charges (11/19/2012) (05/07/2010) -0.75% 11.57% 11.57% 13.94% 3.67% 4.90% - 5.90% 13.94% 3.67% 4.90% - 7.21% Page 6 of 9

*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 life insurance policy 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, objectives, 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 life insurance is a complex investment vehicle that is subject to market risk, including the potential loss of principal invested. You should consider the investment objectives, risks, charges and expenses of the variable insurance and its underlying investment options carefully before investing. For a free copy of the insurance prospectus and underlying investment's prospectus, which contains this and other information about variable insurance, call (800) 333-3437. Read the prospectus carefully before you invest. Page 7 of 9

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 seeks to maintain the value of your investment at $1.00 per share, it is possible to lose money by investing in the. 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 s 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 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. Page 8 of 9

1 Prior to 12/31/1999 the performance of Janus Aspen Janus Portfolio: Service Shares reflects the historical returns of Janus Aspen Janus Portfolio: Inst. Shares adjusted for any differences in fees and expenses. 2 Prior to 01/06/1999 the performance of FTVIPT Mutual Shares Securities - Class 2 reflects the historical returns of FTVIPT Mutual Shares Securities - Class 1 adjusted for any differences in fees and expenses. 3 Prior to 07/14/1999 the performance of AllianceBernstein Large Cap Growth Portfolio (Class B) reflects the historical returns of AllianceBernstein Large Cap Growth Portfolio (Class A) adjusted for any differences in fees and expenses. 2019 RiverSource Life Insurance Company. All rights Reserved Page 9 of 9