RiverSource RAVA 5 Select variable annuity Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Annuities for month ending 12/31/2017 and quarter ending 12/31/2017 Current applicable charges deducted from performance include a 1.35% 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 4 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 numbers for this product are ICC12 411381, 411381 and state variations. No new contracts are currently being sold. Commencement of the Commencement of fund 1-yr. 3-yr. 5-yr. 10-yr. PORTFOLIO STABILIZER GLOBAL Columbia Variable Portfolio - Managed Volatility Growth (Class 2) No Surrender Charges (04/29/2013) (04/12/2013) 0.91% 4.37% 15.90% 15.90% 4.06% - - 5.45% 15.90% 4.06% - - 5.47% With Surrender Charges (04/29/2013) (04/12/2013) -5.46% -2.24% 8.90% 8.90% 2.50% - - 5.45% 8.90% 2.50% - - 5.47% Columbia Variable Portfolio - Managed Volatility Moderate Growth (Class 2) No Surrender Charges (04/30/2012) (04/19/2012) 0.80% 3.44% 12.80% 12.80% 3.43% 5.22% - 4.83% 12.80% 3.43% 5.22% - 4.89% With Surrender Charges (04/30/2012) (04/19/2012) -5.56% -3.10% 5.80% 5.80% 1.85% 5.22% - 4.83% 5.80% 1.85% 5.22% - 4.89% Columbia Variable Portfolio - Managed Volatility Conservative Growth (Class 2) No Surrender Charges (04/29/2013) (04/12/2013) 0.69% 2.48% 9.69% 9.69% 2.63% - - 3.08% 9.69% 2.63% - - 3.10% With Surrender Charges (04/29/2013) (04/12/2013) -5.65% -4.00% 2.71% 2.71% 1.05% - - 3.08% 2.71% 1.05% - - 3.10% Columbia Variable Portfolio - Managed Volatility Conservative (Class 2) No Surrender Charges (04/29/2013) (04/12/2013) 0.48% 1.39% 6.43% 6.43% 1.81% - - 1.82% 6.43% 1.81% - - 1.85% With Surrender Charges (04/29/2013) (04/12/2013) -5.85% -5.01% -0.32% -0.32% 0.25% - - 1.82% -0.32% 0.25% - - 1.85% PORTFOLIO STABILIZER DOMESTIC Columbia Variable Portfolio - U.S. Flexible Growth (Class 2) No Surrender Charges (11/14/2016) (11/02/2016) 0.86% 5.41% 16.86% 16.86% - - - 16.92% 16.86% - - - 17.56% With Surrender Charges (11/14/2016) (11/02/2016) -5.50% -1.27% 9.86% 9.86% - - - 11.69% 9.86% - - - 12.51% Columbia Variable Portfolio - U.S. Flexible Moderate Growth (Class 2) No Surrender Charges (11/14/2016) (11/02/2016) 0.82% 4.26% 13.63% 13.63% - - - 13.38% 13.63% - - - 13.42% With Surrender Charges (11/14/2016) (11/02/2016) -5.54% -2.34% 6.63% 6.63% - - - 8.13% 6.63% - - - 8.34% Columbia Variable Portfolio - U.S. Flexible Conservative Growth (Class 2) No Surrender Charges (11/14/2016) (11/02/2016) 0.59% 2.94% 10.21% 10.21% - - - 9.68% 10.21% - - - 9.17% With Surrender Charges (11/14/2016) (11/02/2016) -5.75% -3.56% 3.21% 3.21% - - - 4.41% 3.21% - - - 4.06% PORTFOLIO STABILIZER MANAGED RISK Columbia Variable Portfolio - Managed Risk U.S. (Class 2) No Surrender Charges (09/18/2017) (09/12/2017) 0.74% 3.50% - - - - - 4.08% - - - - 4.27% With Surrender Charges (09/18/2017) (09/12/2017) -5.61% -3.04% - - - - - -2.50% - - - - -2.33% Columbia Variable Portfolio - Managed Risk (Class 2) No Surrender Charges (09/18/2017) (09/12/2017) 0.75% 2.82% - - - - - 3.29% - - - - 3.47% With Surrender Charges (09/18/2017) (09/12/2017) -5.60% -3.68% - - - - - -3.24% - - - - -3.07% PORTFOLIO NAVIGATOR Variable Portfolio - Aggressive Portfolio (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 0.90% 4.34% 17.30% 17.30% 6.26% 8.27% - 8.66% 17.30% 6.26% 8.27% - 8.01% With Surrender Charges (07/19/2010) (05/07/2010) -5.47% -2.27% 10.30% 10.30% 4.76% 8.27% - 8.66% 10.30% 4.76% 8.27% - 8.01% 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 10
Commencement of the Commencement of fund 1-yr. 3-yr. 5-yr. 10-yr. PORTFOLIO NAVIGATOR (CONT.) Variable Portfolio - Moderately Aggressive Portfolio (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 0.81% 3.66% 14.58% 14.58% 5.23% 6.71% - 7.30% 14.58% 5.23% 6.71% - 6.80% With Surrender Charges (07/19/2010) (05/07/2010) -5.55% -2.89% 7.58% 7.58% 3.70% 6.71% - 7.30% 7.58% 3.70% 6.71% - 6.80% Variable Portfolio - Moderate Portfolio (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 0.65% 2.75% 11.69% 11.69% 4.19% 5.18% - 5.98% 11.69% 4.19% 5.18% - 5.64% With Surrender Charges (07/19/2010) (05/07/2010) -5.69% -3.74% 4.69% 4.69% 2.63% 5.18% - 5.98% 4.69% 2.63% 5.18% - 5.64% Variable Portfolio - Moderately Conservative Portfolio (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 0.60% 2.05% 8.52% 8.52% 3.08% 3.65% - 4.49% 8.52% 3.08% 3.65% - 4.28% With Surrender Charges (07/19/2010) (05/07/2010) -5.74% -4.39% 1.62% 1.62% 1.50% 3.65% - 4.49% 1.62% 1.50% 3.65% - 4.28% Variable Portfolio - Conservative Portfolio (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 0.46% 1.25% 5.97% 5.97% 2.12% 2.19% - 3.13% 5.97% 2.12% 2.19% - 3.08% With Surrender Charges (07/19/2010) (05/07/2010) -5.88% -5.14% -0.75% -0.75% 0.55% 2.19% - 3.13% -0.75% 0.55% 2.19% - 3.08% CASH EQUIVALENTS Columbia Variable Portfolio - Government Money Market (Class 2) No Surrender Charges (07/19/2010) (10/13/1981) -0.09% -0.25% -1.18% -1.18% -1.30% -1.32% - -1.33% -1.18% -1.30% -1.32% -1.09% 2.60% With Surrender Charges (07/19/2010) (10/13/1981) -6.39% -6.55% -7.48% -7.48% -2.86% -1.32% - -1.33% -7.48% -2.86% -1.32% -1.09% 2.60% Columbia Variable Portfolio - Government Money Market (Class 2) seven-day simple yield was 0.57% and its seven-day compound yield was 0.57% as of the quarter ending 12/31/2017. The yield more closely reflects the current earnings than the total return quotation. SHORT-TERM FIXED INCOME Variable Portfolio - TCW Core Plus Bond (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 0.26% -0.07% 1.76% 1.76% 0.37% 0.14% - 0.67% 1.76% 0.37% 0.14% - 1.01% With Surrender Charges (07/19/2010) (05/07/2010) -6.06% -6.37% -4.67% -4.67% -1.16% 0.14% - 0.67% -4.67% -1.16% 0.14% - 1.01% Columbia Variable Portfolio - Limited Duration Credit (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) -0.02% -0.46% 0.43% 0.43% 0.11% -0.18% - 0.71% 0.43% 0.11% -0.18% - 0.77% With Surrender Charges (07/19/2010) (05/07/2010) -6.32% -6.76% -5.90% -5.90% -1.42% -0.18% - 0.71% -5.90% -1.42% -0.18% - 0.77% Variable Portfolio - Wells Fargo Short Duration Government (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) -0.12% -0.65% -0.92% -0.92% -0.93% -1.06% - -0.53% -0.92% -0.93% -1.06% - -0.46% With Surrender Charges (07/19/2010) (05/07/2010) -6.42% -6.95% -7.22% -7.22% -2.48% -1.06% - -0.53% -7.22% -2.48% -1.06% - -0.46% Columbia Variable Portfolio - U.S. Government Mortgage (Class 2) No Surrender Charges (07/19/2010) (09/15/1999) 0.17% -0.35% 1.60% 1.60% 0.83% 0.63% - 0.41% 1.60% 0.83% 0.63% 0.46% 1.46% With Surrender Charges (07/19/2010) (09/15/1999) -6.14% -6.65% -4.81% -4.81% -0.71% 0.63% - 0.41% -4.81% -0.71% 0.63% 0.46% 1.46% LONG-/INTERMEDIATE-TERM FIXED INCOME Variable Portfolio - American Century Diversified Bond (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 0.42% 0.37% 3.23% 3.23% 1.21% 0.76% - 1.72% 3.23% 1.21% 0.76% - 1.95% With Surrender Charges (07/19/2010) (05/07/2010) -5.91% -5.96% -3.29% -3.29% -0.34% 0.76% - 1.72% -3.29% -0.34% 0.76% - 1.95% Variable Portfolio - Partners Core Bond (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 0.24% 0.02% 1.94% 1.94% 0.65% 0.33% - 1.38% 1.94% 0.65% 0.33% - 1.66% With Surrender Charges (07/19/2010) (05/07/2010) -6.07% -6.29% -4.50% -4.50% -0.89% 0.33% - 1.38% -4.50% -0.89% 0.33% - 1.66% PIMCO VIT Total Return Portfolio, Advisor Class No Surrender Charges (04/29/2013) (02/28/2006) 0.39% -0.34% 3.39% 3.39% 1.06% - - 0.34% 3.39% 1.06% 0.54% 3.43% 3.66% With Surrender Charges (04/29/2013) (02/28/2006) -5.93% -6.64% -3.14% -3.14% -0.49% - - 0.34% -3.14% -0.49% 0.54% 3.43% 3.66% Variable Portfolio - BlackRock Global Inflation-Protected Securities (Class 2) No Surrender Charges (07/19/2010) (09/13/2004) 1.01% 2.12% 1.07% 1.07% 1.60% 0.87% - 2.45% 1.07% 1.60% 0.87% 2.34% 2.52% With Surrender Charges (07/19/2010) (09/13/2004) -5.36% -4.33% -5.30% -5.30% 0.05% 0.87% - 2.45% -5.30% 0.05% 0.87% 2.34% 2.52% Columbia Variable Portfolio - Long Government/Credit Bond (Class 2) No Surrender Charges (04/30/2013) (04/30/2013) 1.70% 2.35% 9.49% 9.49% 3.00% - - 1.62% 9.49% 3.00% - - 1.62% With Surrender Charges (04/30/2013) (04/30/2013) -4.72% -4.11% 2.53% 2.53% 1.42% - - 1.62% 2.53% 1.42% - - 1.62% Columbia Variable Portfolio - Intermediate Bond (Class 2) No Surrender Charges (07/19/2010) (10/13/1981) 0.27% -0.16% 2.21% 2.21% 1.26% 0.72% - 2.15% 2.21% 1.26% 0.72% 2.55% 6.03% With Surrender Charges (07/19/2010) (10/13/1981) -6.05% -6.46% -4.24% -4.24% -0.29% 0.72% - 2.15% -4.24% -0.29% 0.72% 2.55% 6.03% MULTI-SECTOR FIXED INCOME Columbia Variable Portfolio - Strategic Income (Class 2) No Surrender Charges (04/29/2011) (07/05/1994) 0.12% 0.38% 4.46% 4.46% 2.82% 1.83% - 3.07% 4.46% 2.82% 1.83% 4.06% 5.08% With Surrender Charges (04/29/2011) (07/05/1994) -6.19% -5.95% -2.15% -2.15% 1.24% 1.83% - 3.07% -2.15% 1.24% 1.83% 4.06% 5.08% Page 2 of 10
Commencement of the Commencement of fund 1-yr. 3-yr. 5-yr. 10-yr. MULTI-SECTOR FIXED INCOME (CONT.) Oppenheimer Global Strategic Income /VA, Service Shares No Surrender Charges (04/29/2013) (05/03/1993) 0.64% 0.41% 4.60% 4.60% 1.79% - - 0.48% 4.60% 1.79% 0.94% 2.63% 4.25% With Surrender Charges (04/29/2013) (05/03/1993) -5.70% -5.92% -2.02% -2.02% 0.23% - - 0.48% -2.02% 0.23% 0.94% 2.63% 4.25% Fidelity VIP Strategic Income Portfolio Service, Class 2 No Surrender Charges (04/29/2013) (12/23/2003) 0.20% 0.40% 6.09% 6.09% 3.03% - - 1.78% 6.09% 3.03% 1.93% 4.15% 4.27% With Surrender Charges (04/29/2013) (12/23/2003) -6.11% -5.93% -0.64% -0.64% 1.44% - - 1.78% -0.64% 1.44% 1.93% 4.15% 4.27% Janus Henderson Flexible Bond Portfolio: Service Shares No Surrender Charges (04/29/2013) (12/31/1999) 0.17% -0.22% 1.95% 1.95% 0.45% - - 0.43% 1.95% 0.45% 0.58% 3.59% 3.91% With Surrender Charges (04/29/2013) (12/31/1999) -6.14% -6.52% -4.48% -4.48% -1.08% - - 0.43% -4.48% -1.08% 0.58% 3.59% 3.91% INTERNATIONAL FIXED INCOME Templeton Global Bond VIP - Class 2 No Surrender Charges (04/29/2013) (01/24/1989) -1.61% -2.13% 0.55% 0.55% -1.22% - - -1.23% 0.55% -1.22% -0.59% 4.09% 5.65% With Surrender Charges (04/29/2013) (01/24/1989) -7.91% -8.43% -5.79% -5.79% -2.78% - - -1.23% -5.79% -2.78% -0.59% 4.09% 5.65% Columbia Variable Portfolio - Global Bond (Class 2) No Surrender Charges (07/19/2010) (05/01/1996) 0.55% 0.44% 4.26% 4.26% -2.09% -3.27% - -0.67% 4.26% -2.09% -3.27% 0.39% 2.42% With Surrender Charges (07/19/2010) (05/01/1996) -5.78% -5.89% -2.33% -2.33% -3.68% -3.27% - -0.67% -2.33% -3.68% -3.27% 0.39% 2.42% Columbia Variable Portfolio - Emerging Markets Bond (Class 2) No Surrender Charges (04/29/2013) (04/30/2012) 0.31% 0.57% 10.18% 10.18% 5.53% - - 1.22% 10.18% 5.53% 1.39% - 3.01% With Surrender Charges (04/29/2013) (04/30/2012) -6.01% -5.77% 3.18% 3.18% 4.01% - - 1.22% 3.18% 4.01% 1.39% - 3.01% HIGH-YIELD FIXED INCOME Columbia Variable Portfolio - High Yield Bond (Class 2) No Surrender Charges (07/19/2010) (05/01/1996) -0.12% -0.35% 4.73% 4.73% 3.91% 3.67% - 5.89% 4.73% 3.91% 3.67% 6.00% 4.71% With Surrender Charges (07/19/2010) (05/01/1996) -6.42% -6.65% -1.90% -1.90% 2.34% 3.67% - 5.89% -1.90% 2.34% 3.67% 6.00% 4.71% Columbia Variable Portfolio - Income Opportunities (Class 2) No Surrender Charges (07/19/2010) (06/01/2004) -0.12% -0.35% 4.76% 4.76% 3.72% 3.40% - 5.57% 4.76% 3.72% 3.40% 5.79% 5.66% With Surrender Charges (07/19/2010) (06/01/2004) -6.42% -6.65% -1.87% -1.87% 2.15% 3.40% - 5.57% -1.87% 2.15% 3.40% 5.79% 5.66% Western Asset Variable Global High Yield Bond Portfolio - Class II No Surrender Charges (04/29/2013) (02/26/2004) 0.18% 0.21% 6.96% 6.96% 4.09% - - 2.08% 6.96% 4.09% 2.77% 4.63% 4.64% With Surrender Charges (04/29/2013) (02/26/2004) -6.13% -6.11% 0.17% 0.17% 2.53% - - 2.08% 0.17% 2.53% 2.77% 4.63% 4.64% Variable Portfolio - Eaton Vance Floating-Rate Income (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 0.01% 0.44% 1.58% 1.58% 2.37% 1.76% - 2.60% 1.58% 2.37% 1.76% - 2.13% With Surrender Charges (07/19/2010) (05/07/2010) -6.29% -5.89% -4.83% -4.83% 0.80% 1.76% - 2.60% -4.83% 0.80% 1.76% - 2.13% BALANCED Franklin Income VIP - Class 2 No Surrender Charges (04/29/2013) (01/24/1989) 0.69% 1.34% 8.19% 8.19% 3.72% - - 4.18% 8.19% 3.72% 5.30% 4.13% 7.13% With Surrender Charges (04/29/2013) (01/24/1989) -5.66% -5.05% 1.32% 1.32% 2.14% - - 4.18% 1.32% 2.14% 5.30% 4.13% 7.13% Lazard Retirement Global Dynamic Multi-Asset Portfolio - Service Shares No Surrender Charges (04/29/2013) (04/30/2012) 0.89% 4.61% 18.90% 18.90% 5.97% - - 6.21% 18.90% 5.97% 7.28% - 7.27% With Surrender Charges (04/29/2013) (04/30/2012) -5.48% -2.01% 11.90% 11.90% 4.46% - - 6.21% 11.90% 4.46% 7.28% - 7.27% BlackRock Global Allocation V.I. Class III Shares No Surrender Charges (04/30/2012) (02/28/1992) 0.47% 2.14% 12.17% 12.17% 3.90% 4.95% - 4.74% 12.17% 3.90% 4.95% 2.99% 5.48% With Surrender Charges (04/30/2012) (02/28/1992) -5.86% -4.31% 5.17% 5.17% 2.34% 4.95% - 4.74% 5.17% 2.34% 4.95% 2.99% 5.48% Janus Henderson Global Allocation Portfolio - Moderate: Service Shares No Surrender Charges (04/30/2012) (08/31/2011) 0.63% 2.97% 14.68% 14.68% 3.90% 5.26% - 5.14% 14.68% 3.90% 5.26% - 6.15% With Surrender Charges (04/30/2012) (08/31/2011) -5.71% -3.54% 7.68% 7.68% 2.33% 5.26% - 5.14% 7.68% 2.33% 5.26% - 6.15% Invesco V.I. Balanced-Risk Allocation, Series II Shares No Surrender Charges (04/29/2013) (01/23/2009) 1.24% 4.51% 8.35% 8.35% 3.97% - - 2.87% 8.35% 3.97% 3.24% - 7.46% With Surrender Charges (04/29/2013) (01/23/2009) -5.15% -2.10% 1.46% 1.46% 2.41% - - 2.87% 1.46% 2.41% 3.24% - 7.46% PIMCO VIT All Asset Portfolio, Advisor Class No Surrender Charges (07/19/2010) (04/30/2003) 1.69% 2.57% 11.85% 11.85% 3.72% 1.77% - 3.81% 11.85% 3.72% 1.77% 3.25% 4.53% With Surrender Charges (07/19/2010) (04/30/2003) -4.73% -3.91% 4.85% 4.85% 2.15% 1.77% - 3.81% 4.85% 2.15% 1.77% 3.25% 4.53% Columbia Variable Portfolio - Balanced (Class 3) No Surrender Charges (07/19/2010) (04/30/1986) 1.20% 3.15% 12.97% 12.97% 5.96% 9.14% - 9.83% 12.97% 5.96% 9.14% 5.18% 6.70% With Surrender Charges (07/19/2010) (04/30/1986) -5.19% -3.37% 5.97% 5.97% 4.46% 9.14% - 9.83% 5.97% 4.46% 9.14% 5.18% 6.70% Page 3 of 10
Commencement of the Commencement of fund 1-yr. 3-yr. 5-yr. 10-yr. BALANCED (CONT.) Ivy VIP Asset Strategy No Surrender Charges (04/29/2013) (05/01/1995) 1.22% 4.19% 16.68% 16.68% 0.46% - - 2.35% 16.68% 0.46% 3.18% 1.99% 7.63% With Surrender Charges (04/29/2013) (05/01/1995) -5.17% -2.40% 9.68% 9.68% -1.07% - - 2.35% 9.68% -1.07% 3.18% 1.99% 7.63% AB VPS Dynamic Asset Allocation Portfolio (Class B) No Surrender Charges (04/29/2013) (04/01/2011) 0.81% 2.82% 12.78% 12.78% 3.84% - - 4.02% 12.78% 3.84% 4.93% - 4.03% With Surrender Charges (04/29/2013) (04/01/2011) -5.55% -3.68% 5.78% 5.78% 2.27% - - 4.02% 5.78% 2.27% 4.93% - 4.03% PIMCO VIT Global Multi-Asset Managed Allocation Portfolio, Advisor Class No Surrender Charges (04/30/2012) (04/15/2009) 0.51% 2.58% 12.45% 12.45% 4.29% 1.22% - 1.49% 12.45% 4.29% 1.22% - 4.21% With Surrender Charges (04/30/2012) (04/15/2009) -5.83% -3.90% 5.45% 5.45% 2.73% 1.22% - 1.49% 5.45% 2.73% 1.22% - 4.21% LARGE CAP STOCK Columbia Variable Portfolio - Dividend Opportunity (Class 2) No Surrender Charges (07/19/2010) (09/15/1999) 1.85% 5.20% 12.58% 12.58% 6.46% 10.28% - 10.24% 12.58% 6.46% 10.28% 3.83% 5.67% With Surrender Charges (07/19/2010) (09/15/1999) -4.58% -1.46% 5.58% 5.58% 4.97% 10.28% - 10.24% 5.58% 4.97% 10.28% 3.83% 5.67% Variable Portfolio - Morgan Stanley Advantage (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 1.40% 9.23% 30.44% 30.44% 11.66% 13.69% - 13.02% 30.44% 11.66% 13.69% - 12.14% With Surrender Charges (07/19/2010) (05/07/2010) -5.00% 2.29% 23.44% 23.44% 10.31% 13.69% - 13.02% 23.44% 10.31% 13.69% - 12.14% Columbia Variable Portfolio - Contrarian Core (Class 2) No Surrender Charges (04/29/2013) (04/30/2012) 1.75% 5.00% 19.85% 19.85% 9.11% - - 12.36% 19.85% 9.11% 14.10% - 13.16% With Surrender Charges (04/29/2013) (04/30/2012) -4.68% -1.65% 12.85% 12.85% 7.69% - - 12.36% 12.85% 7.69% 14.10% - 13.16% Variable Portfolio - Loomis Sayles Growth (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) -0.05% 5.81% 30.90% 30.90% 14.04% 15.98% - 14.72% 30.90% 14.04% 15.98% - 13.20% With Surrender Charges (07/19/2010) (05/07/2010) -6.35% -0.89% 23.90% 23.90% 12.75% 15.98% - 14.72% 23.90% 12.75% 15.98% - 13.20% Variable Portfolio - Los Angeles Capital Large Cap Growth (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) -0.28% 6.52% 29.02% 29.02% 8.99% 13.58% - 13.42% 29.02% 8.99% 13.58% - 11.79% With Surrender Charges (07/19/2010) (05/07/2010) -6.58% -0.24% 22.02% 22.02% 7.56% 13.58% - 13.42% 22.02% 7.56% 13.58% - 11.79% Janus Henderson Research Portfolio: Service Shares 1 No Surrender Charges (07/19/2010) (09/13/1993) 0.47% 6.51% 25.83% 25.83% 8.86% 12.97% - 12.03% 25.83% 8.86% 12.97% 6.01% 6.79% With Surrender Charges (07/19/2010) (09/13/1993) -5.86% -0.25% 18.83% 18.83% 7.44% 12.97% - 12.03% 18.83% 7.44% 12.97% 6.01% 6.79% Columbia Variable Portfolio - Select Large-Cap Value (Class 2) No Surrender Charges (07/19/2010) (02/04/2004) 1.84% 7.82% 19.08% 19.08% 9.55% 14.41% - 14.02% 19.08% 9.55% 14.41% 6.94% 6.94% With Surrender Charges (07/19/2010) (02/04/2004) -4.59% 0.97% 12.08% 12.08% 8.14% 14.41% - 14.02% 12.08% 8.14% 14.41% 6.94% 6.94% American Century VP Value, Class II No Surrender Charges (07/19/2010) (05/01/1996) 1.97% 3.91% 7.11% 7.11% 6.36% 11.69% - 11.53% 7.11% 6.36% 11.69% 6.39% 7.40% With Surrender Charges (07/19/2010) (05/01/1996) -4.46% -2.66% 0.31% 0.31% 4.87% 11.69% - 11.53% 0.31% 4.87% 11.69% 6.39% 7.40% Franklin Mutual Shares VIP - Class 2 2 No Surrender Charges (07/19/2010) (11/08/1996) 1.27% 1.54% 6.88% 6.88% 4.69% 8.94% - 8.86% 6.88% 4.69% 8.94% 3.62% 6.07% With Surrender Charges (07/19/2010) (11/08/1996) -5.12% -4.86% 0.10% 0.10% 3.15% 8.94% - 8.86% 0.10% 3.15% 8.94% 3.62% 6.07% Columbia Variable Portfolio - Large Cap Growth (Class 2) No Surrender Charges (07/19/2010) (09/15/1999) -0.12% 3.95% 26.11% 26.11% 10.49% 14.22% - 13.96% 26.11% 10.49% 14.22% 6.50% 1.68% With Surrender Charges (07/19/2010) (09/15/1999) -6.42% -2.63% 19.11% 19.11% 9.11% 14.22% - 13.96% 19.11% 9.11% 14.22% 6.50% 1.68% Neuberger Berman AMT Socially Responsive Portfolio (Class S) No Surrender Charges (07/19/2010) (02/18/1999) 1.34% 4.96% 16.51% 16.51% 7.31% 12.72% - 11.39% 16.51% 7.31% 12.72% 5.93% 5.85% With Surrender Charges (07/19/2010) (02/18/1999) -5.06% -1.69% 9.51% 9.51% 5.84% 12.72% - 11.39% 9.51% 5.84% 12.72% 5.93% 5.85% Columbia Variable Portfolio - Large Cap Index (Class 3) No Surrender Charges (07/19/2010) (05/01/2000) 0.96% 6.15% 19.65% 19.65% 9.40% 13.71% - 13.41% 19.65% 9.40% 13.71% 6.60% 3.58% With Surrender Charges (07/19/2010) (05/01/2000) -5.41% -0.58% 12.65% 12.65% 7.99% 13.71% - 13.41% 12.65% 7.99% 13.71% 6.60% 3.58% Fidelity VIP Contrafund Portfolio Service Class 2 No Surrender Charges (07/19/2010) (01/03/1995) 0.52% 4.30% 19.94% 19.94% 8.08% 12.43% - 12.21% 19.94% 8.08% 12.43% 5.57% 9.54% With Surrender Charges (07/19/2010) (01/03/1995) -5.82% -2.30% 12.94% 12.94% 6.64% 12.43% - 12.21% 12.94% 6.64% 12.43% 5.57% 9.54% AB VPS Large Cap Growth Portfolio (Class B) 3 No Surrender Charges (07/19/2010) (06/26/1992) -0.53% 6.62% 29.90% 29.90% 12.77% 16.84% - 15.09% 29.90% 12.77% 16.84% 7.54% 8.49% With Surrender Charges (07/19/2010) (06/26/1992) -6.83% -0.15% 22.90% 22.90% 11.45% 16.84% - 15.09% 22.90% 11.45% 16.84% 7.54% 8.49% Variable Portfolio - MFS Blended Research Core Equity (Class 2) No Surrender Charges (07/19/2010) (05/01/2006) 1.29% 6.25% 18.50% 18.50% 8.22% 12.03% - 10.65% 18.50% 8.22% 12.03% 4.68% 4.92% With Surrender Charges (07/19/2010) (05/01/2006) -5.10% -0.49% 11.50% 11.50% 6.78% 12.03% - 10.65% 11.50% 6.78% 12.03% 4.68% 4.92% Page 4 of 10
Commencement of the Commencement of fund 1-yr. 3-yr. 5-yr. 10-yr. LARGE CAP STOCK (CONT.) Variable Portfolio - T. Rowe Price Large Cap Value (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 0.46% 5.00% 14.39% 14.39% 5.15% 9.62% - 10.62% 14.39% 5.15% 9.62% - 9.60% With Surrender Charges (07/19/2010) (05/07/2010) -5.87% -1.65% 7.39% 7.39% 3.62% 9.62% - 10.62% 7.39% 3.62% 9.62% - 9.60% Columbia Variable Portfolio - Disciplined Core (Class 2) No Surrender Charges (07/19/2010) (10/13/1981) 1.69% 7.34% 22.39% 22.39% 8.92% 14.07% - 14.30% 22.39% 8.92% 14.07% 6.14% 8.18% With Surrender Charges (07/19/2010) (10/13/1981) -4.73% 0.52% 15.39% 15.39% 7.49% 14.07% - 14.30% 15.39% 7.49% 14.07% 6.14% 8.18% Variable Portfolio - MFS Value (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 1.07% 4.56% 15.75% 15.75% 8.25% 12.99% - 12.41% 15.75% 8.25% 12.99% - 10.90% With Surrender Charges (07/19/2010) (05/07/2010) -5.30% -2.06% 8.75% 8.75% 6.81% 12.99% - 12.41% 8.75% 6.81% 12.99% - 10.90% MID CAP STOCK Fidelity VIP Mid Cap Portfolio Service Class 2 No Surrender Charges (07/19/2010) (12/28/1998) 1.53% 5.81% 18.91% 18.91% 8.41% 12.30% - 11.08% 18.91% 8.41% 12.30% 6.33% 11.32% With Surrender Charges (07/19/2010) (12/28/1998) -4.88% -0.90% 11.91% 11.91% 6.97% 12.30% - 11.08% 11.91% 6.97% 12.30% 6.33% 11.32% Variable Portfolio - Westfield Mid Cap Growth (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 0.36% 5.00% 21.00% 21.00% 5.71% 9.87% - 11.08% 21.00% 5.71% 9.87% - 9.97% With Surrender Charges (07/19/2010) (05/07/2010) -5.97% -1.65% 14.00% 14.00% 4.19% 9.87% - 11.08% 14.00% 4.19% 9.87% - 9.97% Wells Fargo VT Opportunity - Class 2 No Surrender Charges (07/19/2010) (05/08/1992) 1.49% 6.35% 18.81% 18.81% 7.94% 12.05% - 11.79% 18.81% 7.94% 12.05% 7.02% 9.72% With Surrender Charges (07/19/2010) (05/08/1992) -4.92% -0.39% 11.81% 11.81% 6.49% 12.05% - 11.79% 11.81% 6.49% 12.05% 7.02% 9.72% Morgan Stanley VIF Mid Cap Growth Portfolio, Class II Shares No Surrender Charges (07/19/2010) (10/18/1999) -0.04% 6.19% 36.73% 36.73% 4.47% 9.21% - 9.08% 36.73% 4.47% 9.21% 4.92% 5.02% With Surrender Charges (07/19/2010) (10/18/1999) -6.34% -0.54% 29.73% 29.73% 2.92% 9.21% - 9.08% 29.73% 2.92% 9.21% 4.92% 5.02% Variable Portfolio - Victory Sycamore Established Value (Class 2) No Surrender Charges (07/19/2010) (02/04/2004) 0.85% 5.33% 13.99% 13.99% 10.16% 14.58% - 13.55% 13.99% 10.16% 14.58% 7.81% 7.73% With Surrender Charges (07/19/2010) (02/04/2004) -5.51% -1.35% 6.99% 6.99% 8.77% 14.58% - 13.55% 6.99% 8.77% 14.58% 7.81% 7.73% Columbia Variable Portfolio - Mid Cap Value (Class 2) No Surrender Charges (07/19/2010) (05/02/2005) 0.92% 5.20% 11.75% 11.75% 5.52% 12.02% - 12.09% 11.75% 5.52% 12.02% 5.37% 7.33% With Surrender Charges (07/19/2010) (05/02/2005) -5.45% -1.46% 4.75% 4.75% 4.00% 12.02% - 12.09% 4.75% 4.00% 12.02% 5.37% 7.33% Columbia Variable Portfolio - Mid Cap Growth (Class 2) No Surrender Charges (07/19/2010) (05/01/2001) 0.03% 4.56% 21.02% 21.02% 8.18% 11.56% - 9.81% 21.02% 8.18% 11.56% 5.63% 5.01% With Surrender Charges (07/19/2010) (05/01/2001) -6.27% -2.06% 14.02% 14.02% 6.73% 11.56% - 9.81% 14.02% 6.73% 11.56% 5.63% 5.01% SMALL CAP STOCK Variable Portfolio - Partners Small Cap Growth (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) -0.26% 3.84% 16.89% 16.89% 4.64% 9.19% - 10.78% 16.89% 4.64% 9.19% - 9.05% With Surrender Charges (07/19/2010) (05/07/2010) -6.56% -2.72% 9.89% 9.89% 3.09% 9.19% - 10.78% 9.89% 3.09% 9.19% - 9.05% Columbia Variable Portfolio - U.S. Equities (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) -0.61% 2.65% 8.87% 8.87% 5.10% 9.42% - 11.38% 8.87% 5.10% 9.42% - 9.73% With Surrender Charges (07/19/2010) (05/07/2010) -6.91% -3.84% 1.95% 1.95% 3.57% 9.42% - 11.38% 1.95% 3.57% 9.42% - 9.73% Variable Portfolio - Partners Small Cap Value (Class 2) No Surrender Charges (07/19/2010) (08/14/2001) -0.84% 2.64% 5.44% 5.44% 5.21% 9.24% - 9.85% 5.44% 5.21% 9.24% 6.21% 7.27% With Surrender Charges (07/19/2010) (08/14/2001) -7.14% -3.85% -1.24% -1.24% 3.68% 9.24% - 9.85% -1.24% 3.68% 9.24% 6.21% 7.27% Franklin Small Cap Value VIP - Class 2 No Surrender Charges (07/19/2010) (05/01/1998) -0.53% 5.40% 9.16% 9.16% 8.60% 11.30% - 12.81% 9.16% 8.60% 11.30% 7.26% 6.82% With Surrender Charges (07/19/2010) (05/01/1998) -6.83% -1.28% 2.21% 2.21% 7.16% 11.30% - 12.81% 2.21% 7.16% 11.30% 7.26% 6.82% Columbia Variable Portfolio - Select Smaller-Cap Value (Class 2) No Surrender Charges (07/19/2010) (09/15/1999) -0.79% 2.75% 10.55% 10.55% 5.74% 12.53% - 12.46% 10.55% 5.74% 12.53% 7.01% 6.50% With Surrender Charges (07/19/2010) (09/15/1999) -7.09% -3.74% 3.55% 3.55% 4.23% 12.53% - 12.46% 3.55% 4.23% 12.53% 7.01% 6.50% Wells Fargo VT Small Cap Growth - Class 2 No Surrender Charges (07/19/2010) (05/01/1995) -0.32% 3.41% 24.16% 24.16% 8.13% 12.65% - 11.87% 24.16% 8.13% 12.65% 7.05% 5.60% With Surrender Charges (07/19/2010) (05/01/1995) -6.62% -3.13% 17.16% 17.16% 6.68% 12.65% - 11.87% 17.16% 6.68% 12.65% 7.05% 5.60% Oppenheimer Main Street Small Cap /VA, Service Shares No Surrender Charges (07/19/2010) (05/01/1998) -0.08% 1.36% 12.37% 12.37% 6.51% 13.05% - 13.15% 12.37% 6.51% 13.05% 7.54% 6.91% With Surrender Charges (07/19/2010) (05/01/1998) -6.38% -5.03% 5.37% 5.37% 5.02% 13.05% - 13.15% 5.37% 5.02% 13.05% 7.54% 6.91% Page 5 of 10
Commencement of the Commencement of fund 1-yr. 3-yr. 5-yr. 10-yr. WORLD STOCK Oppenheimer Global /VA, Service Shares No Surrender Charges (07/19/2010) (11/12/1990) 1.00% 6.85% 34.48% 34.48% 10.65% 11.31% - 10.96% 34.48% 10.65% 11.31% 5.43% 8.70% With Surrender Charges (07/19/2010) (11/12/1990) -5.37% 0.07% 27.48% 27.48% 9.27% 11.31% - 10.96% 27.48% 9.27% 11.31% 5.43% 8.70% INTERNATIONAL STOCK Variable Portfolio - Lazard International Equity Advantage (Class 2) No Surrender Charges (04/30/2013) (04/30/2013) 0.80% 2.56% 21.98% 21.98% 5.88% - - 4.46% 21.98% 5.88% - - 4.46% With Surrender Charges (04/30/2013) (04/30/2013) -5.55% -3.92% 14.98% 14.98% 4.38% - - 4.46% 14.98% 4.38% - - 4.46% Variable Portfolio - Columbia Wanger International Equities (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 2.15% 5.44% 30.15% 30.15% 7.32% 7.09% - 7.65% 30.15% 7.32% 7.09% - 7.66% With Surrender Charges (07/19/2010) (05/07/2010) -4.30% -1.24% 23.15% 23.15% 5.85% 7.09% - 7.65% 23.15% 5.85% 7.09% - 7.66% Columbia Variable Portfolio - Select International Equity (Class 2) No Surrender Charges (07/19/2010) (01/13/1992) 1.90% 3.98% 25.46% 25.46% 6.29% 5.42% - 6.08% 25.46% 6.29% 5.42% 0.77% 3.55% With Surrender Charges (07/19/2010) (01/13/1992) -4.53% -2.60% 18.46% 18.46% 4.79% 5.42% - 6.08% 18.46% 4.79% 5.42% 0.77% 3.55% Columbia Variable Portfolio - Emerging Markets (Class 2) No Surrender Charges (07/19/2010) (05/01/2000) 2.89% 7.06% 44.91% 44.91% 10.35% 4.60% - 4.69% 44.91% 10.35% 4.60% 0.68% 6.11% With Surrender Charges (07/19/2010) (05/01/2000) -3.61% 0.26% 37.91% 37.91% 8.97% 4.60% - 4.69% 37.91% 8.97% 4.60% 0.68% 6.11% Variable Portfolio - DFA International Value (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 2.20% 4.97% 23.34% 23.34% 6.24% 5.23% - 4.49% 23.34% 6.24% 5.23% - 3.72% With Surrender Charges (07/19/2010) (05/07/2010) -4.25% -1.68% 16.34% 16.34% 4.74% 5.23% - 4.49% 16.34% 4.74% 5.23% - 3.72% Variable Portfolio - Oppenheimer International Growth (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 1.03% 3.36% 24.86% 24.86% 4.49% 5.69% - 6.47% 24.86% 4.49% 5.69% - 6.27% With Surrender Charges (07/19/2010) (05/07/2010) -5.34% -3.17% 17.86% 17.86% 2.94% 5.69% - 6.47% 17.86% 2.94% 5.69% - 6.27% Variable Portfolio - Pyramis International Equity (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 0.73% 2.24% 20.50% 20.50% 4.01% 4.31% - 5.35% 20.50% 4.01% 4.31% - 4.98% With Surrender Charges (07/19/2010) (05/07/2010) -5.62% -4.22% 13.50% 13.50% 2.45% 4.31% - 5.35% 13.50% 2.45% 4.31% - 4.98% SPECIALTY/SECTOR MFS Utilities Series - Service Class No Surrender Charges (07/19/2010) (01/03/1995) -1.15% -0.15% 12.95% 12.95% 1.38% 6.52% - 8.73% 12.95% 1.38% 6.52% 3.77% 9.70% With Surrender Charges (07/19/2010) (01/03/1995) -7.45% -6.45% 5.95% 5.95% -0.17% 6.52% - 8.73% 5.95% -0.17% 6.52% 3.77% 9.70% ALPS/Alerian Energy Infrastructure Portfolio: Class III No Surrender Charges (04/30/2013) (04/30/2013) 3.58% -1.19% -2.18% -2.18% -5.96% - - -0.53% -2.18% -5.96% - - -0.53% With Surrender Charges (04/30/2013) (04/30/2013) -2.97% -7.49% -8.48% -8.48% -7.68% - - -0.53% -8.48% -7.68% - - -0.53% ALTERNATIVES VanEck VIP Global Gold (Class S Shares) No Surrender Charges (04/29/2013) (04/29/2013) 7.28% 2.04% 11.28% 11.28% 6.70% - - -3.16% 11.28% 6.70% - - -3.16% With Surrender Charges (04/29/2013) (04/29/2013) 0.47% -4.40% 4.28% 4.28% 5.22% - - -3.16% 4.28% 5.22% - - -3.16% Columbia Variable Portfolio - Diversified Absolute Return (Class 2) No Surrender Charges (04/29/2013) (04/30/2012) 0.72% 0.28% 1.21% 1.21% -1.67% - - -2.99% 1.21% -1.67% -2.42% - -2.25% With Surrender Charges (04/29/2013) (04/30/2012) -5.63% -6.04% -5.18% -5.18% -3.24% - - -2.99% -5.18% -3.24% -2.42% - -2.25% Columbia Variable Portfolio - Commodity Strategy (Class 2) No Surrender Charges (04/30/2013) (04/30/2013) 2.79% 4.16% 0.33% 0.33% -5.79% - - -10.15% 0.33% -5.79% - - -10.15% With Surrender Charges (04/30/2013) (04/30/2013) -3.71% -2.43% -5.99% -5.99% -7.51% - - -10.15% -5.99% -7.51% - - -10.15% Variable Portfolio - AQR Managed Futures Strategy (Class 2) No Surrender Charges (04/29/2013) (04/30/2012) 0.66% 4.37% -2.30% -2.30% -4.77% - - -1.19% -2.30% -4.77% 0.10% - 0.64% With Surrender Charges (04/29/2013) (04/30/2012) -5.69% -2.24% -8.60% -8.60% -6.46% - - -1.19% -8.60% -6.46% 0.10% - 0.64% Deutsche Alternative Asset Allocation VIP, Class B No Surrender Charges (04/30/2012) (02/02/2009) 0.54% 1.59% 5.56% 5.56% 0.26% 0.40% - 0.89% 5.56% 0.26% 0.40% - 4.26% With Surrender Charges (04/30/2012) (02/02/2009) -5.80% -4.82% -1.13% -1.13% -1.27% 0.40% - 0.89% -1.13% -1.27% 0.40% - 4.26% Goldman Sachs VIT Multi-Strategy Alternatives Portfolio - Advisor Shares No Surrender Charges (06/30/2014) (04/25/2014) 0.58% 0.35% 3.72% 3.72% -1.26% - - -2.08% 3.72% -1.26% - - -1.54% With Surrender Charges (06/30/2014) (04/25/2014) -5.76% -5.97% -2.84% -2.84% -2.83% - - -3.18% -2.84% -2.83% - - -2.58% Neuberger Berman AMT U.S. Equity Index PutWrite Strategy Portfolio (Class S) No Surrender Charges (06/30/2014) (05/01/2014) 0.38% 1.60% 5.24% 5.24% -1.15% - - -1.52% 5.24% -1.15% - - -1.19% With Surrender Charges (06/30/2014) (05/01/2014) -5.94% -4.81% -1.43% -1.43% -2.71% - - -2.60% -1.43% -2.71% - - -2.22% Page 6 of 10
Commencement of the Commencement of fund 1-yr. 3-yr. 5-yr. 10-yr. REAL ESTATE Variable Portfolio - CenterSquare Real Estate (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 0.23% 2.64% 4.31% 4.31% 1.65% 3.69% - 6.85% 4.31% 1.65% 3.69% - 6.28% With Surrender Charges (07/19/2010) (05/07/2010) -6.09% -3.85% -2.29% -2.29% 0.10% 3.69% - 6.85% -2.29% 0.10% 3.69% - 6.28% Page 7 of 10
*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 8 of 10
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 9 of 10
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. 2018 RiverSource Life Insurance Company. All rights Reserved Page 10 of 10