RiverSource Retirement Advisor Advantage Variable Annuity RiverSource Retirement Advisor Select Variable Annuity

2016 Annual Report RiverSource Retirement Advisor Advantage Variable Annuity RiverSource Retirement Advisor Select Variable Annuity S-6410 CC (5/17) Issued by: RiverSource Life Insurance Co. of New York

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Product Name Prospectus Supplement dated Sept. 15, 2017 National Prospectus Form #/Date New York 1. RiverSource Retirement Advisor 4 Advantage Variable Annuity/ RiverSource Retirement Advisor 4 Select Variable Annuity/ RiverSource Retirement Advisor 4 Access Variable Annuity 2. RiverSource Retirement Advisor Advantage Plus Variable Annuity/ RiverSource Retirement Advisor Select Plus Variable Annuity 3. RiverSource Retirement Advisor Advantage Variable Annuity/ RiverSource Retirement Advisor Select Variable Annuity 4. RiverSource Retirement Advisor Variable Annuity 5. RiverSource Retirement Advisor Variable Annuity Band 3 6. RiverSource Retirement Advisor Advantage Variable Annuity Band 3 S-6503 CC (5/17)/ May 1, 2017 S-6504 CC (5/17)/ May 1, 2017 S-6273 CC (5/17)/ May 1, 2017 S-6362 CC (5/17)/ May 1, 2017 S-6406 CC (5/17)/ May 1, 2017 S-6410 N (4/13)/ April 29, 2013 S-6467 CC (5/17)/ May 1, 2017 S-6471 R (4/13)/ April 29, 2013 S-6477 N (5/09)/ May 1, 2009 S-6407 K (5/09)/ May 1, 2009 The information in this supplement describes new additional funds that will be offered under variable annuity contracts (the Contracts ) described above. Please read it carefully and keep it with your variable annuity contract product prospectus. Effective September 18, 2017, the following additional underlying funds will be available under your Contract: Columbia Variable Portfolio Managed Risk Fund (Class 2) Columbia Variable Portfolio Managed Risk U.S. Fund (Class 2) Columbia Variable Portfolio U.S. Flexible Conservative Growth Fund (Class 2) Columbia Variable Portfolio U.S. Flexible Moderate Growth Fund (Class 2) Columbia Variable Portfolio U.S. Flexible Growth Fund (Class 2) In conjunction with the changes described above, the following revisions are made in your prospectuses. I. The section in your prospectus titled The Variable Account and the Funds or Appendix A: The Funds is hereby amended to include descriptions for the new underlying funds as follows: 1

Investing In Investment Objective and Policies Investment Adviser Columbia Variable Portfolio Managed Risk Fund (Class 2) Columbia Variable Portfolio Managed Risk U.S. Fund (Class 2) Columbia Variable Portfolio U.S. Flexible Conservative Growth Fund (Class 2) Columbia Variable Portfolio U.S. Flexible Moderate Growth Fund (Class 2) Columbia Variable Portfolio U.S. Flexible Growth Fund (Class 2) Pursues total return while seeking to manage the Fund s exposure to equity market volatility. Pursues total return while seeking to manage the Fund s exposure to equity market volatility. Pursues total return while seeking to manage the Fund s exposure to equity market volatility. Pursues total return while seeking to manage the Fund s exposure to equity market volatility. Pursues total return while seeking to manage the Fund s exposure to equity market volatility. Columbia Management Investment Advisers, LLC Columbia Management Investment Advisers, LLC Columbia Management Investment Advisers, LLC Columbia Management Investment Advisers, LLC Columbia Management Investment Advisers, LLC II. For products listed under 1 and 2 in the table on page 1 of this supplement: The following replaces first paragraph in the section Making the Most of Your Contract Portfolio Navigator program (PN Program) and Portfolio Stabilizer Funds Portfolio Stabilizer funds of the prospectus: The Portfolio Stabilizer funds. The following Portfolio Stabilizer funds currently available are: 1. Columbia Variable Portfolio Managed Risk Fund (Class 2) (1) 2. Columbia Variable Portfolio Managed Risk U.S. Fund (Class 2) (1) 3. Columbia Variable Portfolio Managed Volatility Growth Fund (Class 2) 4. Columbia Variable Portfolio Managed Volatility Moderate Growth Fund (Class 2) 5. Columbia Variable Portfolio Managed Volatility Conservative Growth Fund (Class 2) 6. Columbia Variable Portfolio Managed Volatility Conservative Fund (Class 2) 7. Columbia Variable Portfolio U.S. Flexible Growth Fund (Class 2) (1) 8. Columbia Variable Portfolio U.S. Flexible Moderate Growth Fund (Class 2) (1) 9. Columbia Variable Portfolio U.S. Flexible Conservative Growth Fund (Class 2) (1) (1) Available on or after Sept. 18, 2017. Each Fund has an investment objective of pursuing total return while seeking to manage the Fund s exposure to equity market volatility. III. For products listed under 1 and 2 in the table on page 1 of this supplement: The following replaces first 3 paragraphs in the section Making the Most of Your Contract Portfolio Navigator program (PN Program) and Portfolio Stabilizer Funds Investing in the Portfolio Stabilizer funds, Portfolio Navigator funds and PN program static model portfolios (the Funds) of the prospectus: Investing in the Portfolio Stabilizer funds, the Portfolio Navigator funds and PN program static model portfolios (the Funds). You are responsible for determining which investment option is best for you. Currently, the PN program includes five Portfolio Navigator funds (and under the previous PN program, five static model portfolios investment options), with risk profiles ranging from conservative to aggressive in relation to one another. There are nine Portfolio Stabilizer funds currently available. If your contract includes a living benefit rider you may only invest in one Portfolio Navigator fund at a time. If your contract includes a living benefit rider and you invest in Portfolio Stabilizer fund, effective Sept. 18, 2017, you may invest in more than one Portfolio Stabilizer fund at a time. Your financial advisor can help you determine which investment option most closely matches your investing style, based on factors such as your investment goals, your tolerance for risk and how long you intend to invest. There is no guarantee that the investment option you select is appropriate for you based on your investment objectives and/or risk profile. We and Columbia Management are not responsible for your decision to select a certain investment option or your decision to transfer to a different investment option. 2

If you initially allocate qualifying purchase payments to the Special DCA fixed account, when available (see The Special DCA Fixed Account ), and you are invested in the Portfolio Stabilizer or one of the Portfolio Navigator funds, we will make monthly transfers in accordance with your instructions from the Special DCA fixed account, into the investment option or model portfolio you have chosen. Before you decide to transfer contract value to the Portfolio Stabilizer funds, you and your financial advisor should carefully consider the following: Whether the Portfolio Stabilizer fund meets your personal investment objectives and/or risk tolerance. Whether you would like to continue to invest in a Portfolio Navigator fund. If you decide to transfer your contract value to a Portfolio Stabilizer fund, you permanently lose your ability to invest in any of the Portfolio Navigator funds if you have a living benefit rider. If you decide to no longer invest your contract value in the Portfolio Stabilizer funds, your only option will be to terminate your contract by requesting a full surrender. Surrender charges and tax penalties may apply. Whether the total expenses associated with an investment in a Portfolio Stabilizer fund is appropriate for you. For total expenses associated with the rider, you should consider not only the variation of the rider fee, but also the variation in fees among the various funds. You should also consider your overall investment objective, as well as how total fees and your selected fund s investment objective may impact the amount of any step up opportunities in the future. IV. For products listed under 1 in the table on page 1 of this supplement: The following replaces fourth paragraph in the section Making the Most of Your Contract Portfolio Navigator program (PN Program) and Portfolio Stabilizer Funds Investing in the Portfolio Stabilizer funds, Portfolio Navigator funds and PN program static model portfolios (the Funds) of the prospectus: Prior to Sept. 18, 2017, if your contract includes a living benefit rider, you may request a change to your Fund selection (or a transfer from your PN program static model portfolio to either a Portfolio Navigator fund or a Portfolio Stabilizer fund) up to two times per contract year by written request on an authorized form or by another method agreed to by us. Effective Sept. 18, 2017, if your contract includes a living benefit rider, you may request a change to your fund selection up to four times per contract year by written request on an authorized form or by another method agreed to by us. You may also set up asset rebalancing and change your percentage allocations, but those changes will count towards this four times per contract year limit. If you make such a change, we may charge you a higher fee for your rider. However, an initial transfer from a Portfolio Navigator fund to a Portfolio Stabilizer fund will not count toward the limit of two or four transfers per year. If your contract includes a SecureSource or SecureSource Flex rider, we reserve the right to limit the number of changes if required to comply with the written instructions of a Fund (see Market Timing ). If your contract includes the GWB for Life rider, SecureSource or SecureSource Flex rider, we reserve the right to limit the number of investment options from which you can select, subject to state restrictions. The following replaces the section Making the Most of Your Contract Portfolio Navigator program (PN Program) and Portfolio Stabilizer Funds Living benefit riders requiring participation in the PN Program or investing in the Portfolio Stabilizer funds of the prospectus: Living benefit riders requiring participation in the PN program or investing in the Portfolio Stabilizer funds: Accumulation Benefit rider: You cannot terminate the Accumulation Benefit rider. As long as the Accumulation Benefit rider is in effect, your contract value must be invested in one of the PN program investment options or in the Portfolio Stabilizer funds. For contracts purchased on or after Jan. 26, 2009, you cannot select the Portfolio Navigator Aggressive investment option, or transfer to the Portfolio Navigator Aggressive investment option while the rider is in effect. The Accumulation Benefit rider automatically ends at the end of the waiting period and you then have the option to cancel your participation in the PN program. At all other times, if you do not want to invest in any of the PN program investment options, or the Portfolio Stabilizer funds, you must terminate your contract by requesting a full surrender. Surrender charges and tax penalties may apply. GWB for Life, SecureSource or SecureSource Flex rider: The GWB for Life, SecureSource or SecureSource Flex rider requires that your contract value be invested in one of the PN program investment options or the Portfolio Stabilizer funds, for the life of the contract. Subject to state restrictions, we reserve the right to limit the number of investment options from which you can select based on the dollar amount of purchase payments you make. Because you cannot terminate the GWB for Life or SecureSource rider once you have selected it, you must terminate your contract by requesting a full surrender if you do not want to invest in any of the PN program investment options or the Portfolio Stabilizer funds. Surrender charges and tax penalties may apply. V. For products listed under 2 in the table on page 1 of this supplement: The following replaces fourth paragraph in the section Making the Most of Your Contract Portfolio Navigator program (PN Program) and Portfolio Stabilizer Funds Investing in the Portfolio Stabilizer funds, Portfolio Navigator funds and PN program static model portfolios (the Funds) of the prospectus: 3

Prior to Sept. 18, 2017, if your contract includes a living benefit rider, you may request a change to your Fund selection (or a transfer from your PN program static model portfolio to either a Portfolio Navigator fund or a Portfolio Stabilizer fund) up to two times per contract year by written request on an authorized form or by another method agreed to by us. Effective Sept. 18, 2017, if your contract includes a living benefit rider, you may request a change to your fund selection up to four times per contract year by written request on an authorized form or by another method agreed to by us. You may also set up asset rebalancing and change your percentage allocations, but those changes will count towards this four times per contract year limit. If you make such a change, we may charge you a higher fee for your rider. However, an initial transfer from a Portfolio Navigator fund to a Portfolio Stabilizer fund will not count toward the limit of two or four transfers per year. The following replaces the section Making the Most of Your Contract Portfolio Navigator program (PN Program) and Portfolio Stabilizer Funds Living benefit riders requiring participation in the PN Program or investing in the Portfolio Stabilizer funds of the prospectus: Living benefit riders requiring participation in the PN program or investing in the Portfolio Stabilizer funds: Accumulation Benefit rider: You cannot terminate the Accumulation Benefit rider. As long as the Accumulation Benefit rider is in effect, your contract value must be invested in one of the PN program investment options or in the Portfolio Stabilizer funds. The Accumulation Benefit rider automatically ends at the end of the waiting period and you then have the option to cancel your participation in the PN program. At all other times, if you do not want to invest in any of the PN program investment options or the Portfolio Stabilizer funds, you must terminate your contract by requesting a full surrender. Surrender charges and tax penalties may apply. Withdrawal Benefit rider: The Withdrawal Benefit rider requires that your contract value be invested in the PN program investment options or in one of the Portfolio Stabilizer funds for the life of the contract. Subject to state restrictions, we reserve the right to limit the number of investment options from which you can select based on the dollar amount of purchase payments you make. Because you cannot terminate the Withdrawal Benefit rider once you have selected it, you must terminate your contract by requesting a full surrender if you do not want to invest in any of the PN program investment options or the Portfolio Stabilizer funds. Surrender charges and tax penalties may apply. THIS SUPPLEMENT SHOULD BE READ AND RETAINED FOR FUTURE REFERENCE. S- 6503-22 A (9/17) 4

Product Name Prospectus Supplement dated May 1, 2017 National Prospectus Form #/Date New York 1. RiverSource Retirement Advisor Variable Annuity S-6471 R (4/13) April 29, 2013 2. RiverSource Retirement Advisor Variable Annuity - Band 3 3. RiverSource Retirement Advisor Advantage Variable Annuity - Band 3 S-6477 N (5/09) May 1, 2009 S-6407 K (5/09) May 1, 2009 4. RiverSource Retirement Advisor Advantage Variable Annuity / RiverSource Retirement Advisor Select Variable Annuity 5. RiverSource FlexChoice Select Variable Annuity 6. RiverSource Innovations Select Variable Annuity S-6410 N (4/13) April 29, 2013 274320 J (4/13) April 29, 2013 45313 P (4/13) April 29, 2013 7. Privileged Assets Select Annuity 30325 P (1/07) Jan. 2, 2007 S-6102 N (1/07) Jan. 2, 2007 8. RiverSource Variable Retirement and Combination Retirement Annuities S-6174 T (5/02) May 1, 2002 9. RiverSource Employee Benefit Annuity S-6157 AG (5/14) May 1, 2014 S-6177 T (5/02) May 1, 2002 10. RiverSource Flexible Annuity S-6175 AF (4/13) April 29, 2013 11. RiverSource Flexible Portfolio Annuity S-6163 V (4/11) April 29, 2011 12. RiverSource Endeavor Select Variable Annuity 13. RiverSource Innovations Variable Annuity 273480 R (4/13) April 29, 2013 45282 J (5/08) May 1, 2008 14. RiverSource Personal Portfolio Plus 2 / Personal Portfolio Plus/Personal Portfolio Variable Annuity 37301 U (1/07) Jan. 2, 2007 15. RiverSource Personal Portfolio Plus 2 /Personal Portfolio Variable Annuity 45066 N (1/07) Jan. 2, 2007 16. RiverSource Preferred Variable Annuity 40001 M (1/07) Jan. 2, 2007 17. RiverSource Platinum Variable Annuity 43415 K (1/07) Jan. 2, 2007 18. RiverSource Symphony Annuity S-6402 P (5/00) May 1, 2000 S-6226 L (5/00) May 1, 2000 This Supplement supersedes and replaces Supplement dated December 9, 2016. It describes changes to variable annuity contracts (the Contracts ) listed above. Please retain this supplement with your prospectus for future reference. For products 1-4 and 7-18 listed above, the following paragraph replaces the last paragraph in the Settlement Date, Retirement Date or The Annuity Start Date section in your prospectus: Generally, if you own a qualified annuity (for example, an IRA) and tax laws require that you take distributions from your annuity prior to your [settlement/retirement/annuity start] date, your contract will not be automatically annuitized (subject to state requirements). However, if you choose, you can elect to request annuitization or take partial surrenders to meet your required minimum distributions. 1

For products 5 and 6 in the table on page 1 of this supplement, the following paragraph replaces the second to last paragraph in the Annuitization Start Date Current Contract section in your prospectus: Generally, if you own a qualified annuity (for example, an IRA) and tax laws require that you take distributions from your annuity prior to your annuitization start date, your contract will not be automatically annuitized (subject to state requirements). However, if you choose, you can elect to request annuitization or take partial surrenders to meet your required minimum distributions. THIS SUPPLEMENT SHOULD BE READ AND RETAINED FOR FUTURE REFERENCE. S-6402-4 A (5/17) 2

Annual Financial Information REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM TO THE BOARD OF DIRECTORS OF RIVERSOURCE LIFE INSURANCE CO. OF NEW YORK AND CONTRACT OWNERS OF RIVERSOURCE OF NEW YORK VARIABLE ANNUITY ACCOUNT In our opinion, the accompanying statement of assets and liabilities and the related statements of operations and of changes in net assets present fairly, in all material respects, the financial position of each of the divisions of RiverSource of New York Variable Annuity Account offered through RiverSource Retirement Advisor Advantage Variable Annuity and RiverSource Retirement Advisor Select Variable Annuity sponsored by RiverSource Life Insurance Co. of New York, as indicated in Note 1, as of December 31, 2016, the results of each of their operations for the period then ended, and the changes in each of their net assets for each of the periods indicated in Note 1, in conformity with accounting principles generally accepted in the United States of America. These financial statements are the responsibility of the management of RiverSource Life Insurance Co. of New York. Our responsibility is to express an opinion on these financial statements based on our audits. We conducted our audits of these financial statements in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements, assessing the accounting principles used and significant estimates made by management, and evaluating the overall financial statement presentation. We believe that our audits, which included confirmation of securities as of December 31, 2016 by correspondence with the affiliated and unaffiliated mutual fund managers, provide a reasonable basis for our opinions. Minneapolis, Minnesota April 21, 2017 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE/RETIREMENT ADVISOR SELECT VARIABLE ANNUITY 2016 ANNUAL REPORT 1

Statements of Assets and Liabilities Dec. 31, 2016 Assets AB S Dyn Asset Alloc, Cl B AB S Global Thematic Gro, Cl B AB S Gro & Inc, Cl B AB S Intl Val, Cl B ALPS Alerian Engy Infr, Class III Investments, at fair value (1),(2) $ 346,509 $ 948,819 $4,935,857 $ 6,753,464 $2,665,515 Dividends receivable Accounts receivable from RiverSource Life of NY for contract purchase payments 11,069 156 147 1,725 50 Receivable for share redemptions 279 734 4,619 8,362 2,186 Total assets 357,857 949,709 4,940,623 6,763,551 2,667,751 Liabilities Payable to RiverSource Life of NY for: Mortality and expense risk fee 279 734 3,554 4,875 2,083 Contract terminations 1,066 3,487 102 Payable for investments purchased 11,069 156 147 1,725 50 Total liabilities 11,348 890 4,767 10,087 2,235 Net assets applicable to contracts in accumulation period 345,153 948,635 4,935,499 6,737,545 2,664,194 Net assets applicable to contracts in payment period 15,919 Net assets applicable to seed money 1,356 184 357 1,322 Total net assets $ 346,509 $ 948,819 $4,935,856 $ 6,753,464 $2,665,516 (1) Investment shares 29,975 44,090 160,099 513,181 271,991 (2) Investments, at cost $ 354,817 $ 751,492 $3,599,773 $ 7,852,286 $2,432,283 Dec. 31, 2016 (continued) Assets AC Intl, Cl II AC Mid Cap Val, Cl II AC Ultra, Cl II AC Val, Cl II BlackRock Global Alloc, Cl III Investments, at fair value (1),(2) $1,065,282 $4,582,947 $2,417,173 $15,707,686 $3,981,030 Dividends receivable Accounts receivable from RiverSource Life of NY for contract purchase payments 398 8,599 145 479 Receivable for share redemptions 757 5,378 1,892 16,479 3,460 Total assets 1,066,437 4,596,924 2,419,210 15,724,165 3,984,969 Liabilities Payable to RiverSource Life of NY for: Mortality and expense risk fee 757 3,506 1,893 11,829 3,275 Contract terminations 1,872 4,651 185 Payable for investments purchased 398 8,599 145 479 Total liabilities 1,155 13,977 2,038 16,480 3,939 Net assets applicable to contracts in accumulation period 1,062,137 4,582,801 2,416,791 15,673,862 3,980,612 Net assets applicable to contracts in payment period 3,046 32,799 Net assets applicable to seed money 99 146 381 1,024 418 Total net assets $1,065,282 $4,582,947 $2,417,172 $15,707,685 $3,981,030 (1) Investment shares 113,812 216,893 158,920 1,497,396 297,758 (2) Investments, at cost $ 942,569 $3,391,677 $1,853,943 $10,970,629 $4,336,591 See accompanying notes to financial statements. 2 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE/RETIREMENT ADVISOR SELECT VARIABLE ANNUITY 2016 ANNUAL REPORT

Statements of Assets and Liabilities Dec. 31, 2016 (continued) Assets Calvert SRI Bal, Cl I Bal, Commodity Strategy, Contrarian Core, Disciplined Core, Investments, at fair value (1),(2) $1,113,509 $18,217,663 $260,812 $1,730,992 $18,817,076 Dividends receivable Accounts receivable from RiverSource Life of NY for contract purchase payments 36 34,552 20 Receivable for share redemptions 807 79,829 224 1,708 20,987 Total assets 1,114,352 18,332,044 261,036 1,732,700 18,838,083 Liabilities Payable to RiverSource Life of NY for: Mortality and expense risk fee 807 15,899 223 1,433 16,788 Contract terminations 63,930 277 4,199 Payable for investments purchased 36 34,552 20 Total liabilities 843 114,381 223 1,710 21,007 Net assets applicable to contracts in accumulation period 1,113,431 17,925,280 258,774 1,730,809 18,676,772 Net assets applicable to contracts in payment period 292,232 139,950 Net assets applicable to seed money 78 151 2,039 181 354 Total net assets $1,113,509 $18,217,663 $260,813 $1,730,990 $18,817,076 (1) Investment shares 542,382 777,868 41,597 96,596 485,351 (2) Investments, at cost $1,017,369 $14,587,508 $267,340 $1,560,305 $11,416,317 Dec. 31, 2016 (continued) Assets Div Abs Return, Divd Opp, Emerg Mkts Bond, Emer Mkts, Global Bond, Investments, at fair value (1),(2) $ 75,100 $29,269,781 $464,474 $8,089,584 $ 6,698,658 Dividends receivable Accounts receivable from RiverSource Life of NY for contract purchase payments 958 33 9,535 9,128 Receivable for share redemptions 68 34,980 362 6,629 5,500 Total assets 75,168 29,305,719 464,869 8,105,748 6,713,286 Liabilities Payable to RiverSource Life of NY for: Mortality and expense risk fee 68 23,107 362 6,610 5,272 Contract terminations 11,874 20 228 Payable for investments purchased 958 33 9,535 9,128 Total liabilities 68 35,939 395 16,165 14,628 Net assets applicable to contracts in accumulation period 74,943 29,063,522 463,438 8,045,564 6,689,386 Net assets applicable to contracts in payment period 206,246 44,007 9,260 Net assets applicable to seed money 157 12 1,036 12 12 Total net assets $ 75,100 $29,269,780 $464,474 $8,089,583 $ 6,698,658 (1) Investment shares 8,110 1,335,300 48,944 568,089 789,006 (2) Investments, at cost $ 76,916 $16,677,956 $469,553 $7,597,506 $ 8,574,851 See accompanying notes to financial statements. RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE/RETIREMENT ADVISOR SELECT VARIABLE ANNUITY 2016 ANNUAL REPORT 3

Statements of Assets and Liabilities Dec. 31, 2016 (continued) Assets Govt Money Mkt, Hi Yield Bond, Inc Opp, Inter Bond, Lg Cap Gro, Investments, at fair value (1),(2) $11,808,464 $12,480,201 $10,095,633 $26,087,453 $ 4,293,725 Dividends receivable 3 Accounts receivable from RiverSource Life of NY for contract purchase payments 276 440 11,490 225 Receivable for share redemptions 46,544 15,484 10,370 28,631 34,139 Total assets 11,855,011 12,495,961 10,106,443 26,127,574 4,328,089 Liabilities Payable to RiverSource Life of NY for: Mortality and expense risk fee 9,526 10,132 7,850 20,496 3,108 Contract terminations 37,018 5,352 2,520 8,135 31,032 Payable for investments purchased 276 440 11,490 225 Total liabilities 46,544 15,760 10,810 40,121 34,365 Net assets applicable to contracts in accumulation period 11,785,654 12,431,277 10,072,778 25,969,723 4,293,582 Net assets applicable to contracts in payment period 20,813 48,912 22,844 117,718 Net assets applicable to seed money 2,000 12 11 12 142 Total net assets $11,808,467 $12,480,201 $10,095,633 $26,087,453 $ 4,293,724 (1) Investment shares 11,808,464 1,840,738 1,328,373 2,518,094 330,541 (2) Investments, at cost $11,807,977 $12,357,993 $11,656,500 $26,480,254 $ 2,767,514 Dec. 31, 2016 (continued) Assets Lg Cap Index, Limited Duration Cr, Long Govt/Cr Bond, Man Vol Conserv, Man Vol Conserv Gro, Investments, at fair value (1),(2) $13,709,813 $ 2,474,768 $ 802,219 $32,626,512 $67,847,426 Dividends receivable Accounts receivable from RiverSource Life of NY for contract purchase payments 1,242 163 Receivable for share redemptions 11,299 2,003 644 123,675 68,778 Total assets 13,722,354 2,476,934 802,863 32,750,187 67,916,204 Liabilities Payable to RiverSource Life of NY for: Mortality and expense risk fee 10,553 2,002 644 28,748 59,068 Contract terminations 747 3 94,926 9,710 Payable for investments purchased 1,242 163 Total liabilities 12,542 2,168 644 123,674 68,778 Net assets applicable to contracts in accumulation period 13,709,640 2,473,721 801,157 32,626,392 67,847,290 Net assets applicable to contracts in payment period Net assets applicable to seed money 172 1,045 1,062 121 136 Total net assets $13,709,812 $ 2,474,766 $ 802,219 $32,626,513 $67,847,426 (1) Investment shares 808,362 262,436 81,032 3,026,578 6,123,414 (2) Investments, at cost $10,200,697 $ 2,556,164 $ 817,890 $32,217,549 $66,076,219 See accompanying notes to financial statements. 4 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE/RETIREMENT ADVISOR SELECT VARIABLE ANNUITY 2016 ANNUAL REPORT

Statements of Assets and Liabilities Dec. 31, 2016 (continued) Assets Man Vol Gro, Man Vol Mod Gro, Mid Cap Gro, Mid Cap Val, Select Intl Eq, Investments, at fair value (1),(2) $424,755,547 $818,094,595 $3,460,758 $2,912,990 $5,037,847 Dividends receivable Accounts receivable from RiverSource Life of NY for contract purchase payments 233,693 132,321 383 1,520 Receivable for share redemptions 430,833 1,040,884 3,269 5,893 5,118 Total assets 425,420,073 819,267,800 3,464,410 2,918,883 5,044,485 Liabilities Payable to RiverSource Life of NY for: Mortality and expense risk fee 347,198 693,125 3,185 2,179 4,445 Contract terminations 83,633 347,759 84 3,714 674 Payable for investments purchased 233,693 132,321 383 1,520 Total liabilities 664,524 1,173,205 3,652 5,893 6,639 Net assets applicable to contracts in accumulation period 424,755,461 818,094,533 3,434,177 2,912,959 4,999,172 Net assets applicable to contracts in payment period 26,245 38,561 Net assets applicable to seed money 88 62 336 31 113 Total net assets $424,755,549 $818,094,595 $3,460,758 $2,912,990 $5,037,846 (1) Investment shares 36,397,219 65,922,208 166,383 146,602 401,102 (2) Investments, at cost $410,031,329 $755,337,800 $2,160,003 $1,765,592 $4,894,882 Dec. 31, 2016 (continued) Assets Select Lg Cap Val, Select Sm Cap Val, US Govt Mtge, CS Commodity Return Deutsche Alt Asset Alloc VIP, Cl B Investments, at fair value (1),(2) $ 966,849 $ 2,069,560 $4,496,627 $ 896,112 $ 661,334 Dividends receivable Accounts receivable from RiverSource Life of NY for contract purchase payments 416 645 624 Receivable for share redemptions 1,000 1,787 6,801 793 563 Total assets 967,849 2,071,347 4,503,844 897,550 662,521 Liabilities Payable to RiverSource Life of NY for: Mortality and expense risk fee 720 1,507 3,304 652 563 Contract terminations 280 281 3,497 140 Payable for investments purchased 416 645 624 Total liabilities 1,000 1,788 7,217 1,437 1,187 Net assets applicable to contracts in accumulation period 966,424 2,067,183 4,476,621 896,113 660,522 Net assets applicable to contracts in payment period 2,051 19,995 Net assets applicable to seed money 425 325 11 812 Total net assets $ 966,849 $ 2,069,559 $4,496,627 $ 896,113 $ 661,334 (1) Investment shares 47,441 96,348 435,720 204,592 51,029 (2) Investments, at cost $ 629,443 $ 1,261,179 $4,501,126 $1,548,426 $ 690,871 See accompanying notes to financial statements. RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE/RETIREMENT ADVISOR SELECT VARIABLE ANNUITY 2016 ANNUAL REPORT 5

Statements of Assets and Liabilities Dec. 31, 2016 (continued) Assets EV VT Floating-Rate Inc, Init Cl Fid VIP Contrafund, Serv Fid VIP Gro & Inc, Serv Fid VIP Mid Cap, Serv Fid VIP Overseas, Serv Investments, at fair value (1),(2) $7,874,384 $25,245,711 $8,388,814 $23,039,262 $3,261,452 Dividends receivable 21,910 Accounts receivable from RiverSource Life of NY for contract purchase payments 264 2,955 94 910 Receivable for share redemptions 7,030 20,172 7,513 24,752 2,378 Total assets 7,903,588 25,268,838 8,396,327 23,064,108 3,264,740 Liabilities Payable to RiverSource Life of NY for: Mortality and expense risk fee 6,059 19,704 6,113 17,015 2,378 Contract terminations 971 468 1,400 7,737 Payable for investments purchased 22,174 2,955 94 910 Total liabilities 29,204 23,127 7,513 24,846 3,288 Net assets applicable to contracts in accumulation period 7,866,891 25,204,265 8,340,285 23,014,580 3,260,046 Net assets applicable to contracts in payment period 7,493 40,271 48,242 23,524 1,333 Net assets applicable to seed money 1,175 287 1,158 73 Total net assets $7,874,384 $25,245,711 $8,388,814 $23,039,262 $3,261,452 (1) Investment shares 850,365 777,988 424,965 697,525 184,785 (2) Investments, at cost $7,883,733 $21,867,130 $6,104,531 $20,517,257 $3,256,240 Dec. 31, 2016 (continued) Assets Fid VIP Strategic Inc, Serv Frank Global Real Est, Frank Inc, Frank Mutual Shares, Frank Sm Cap Val, Investments, at fair value (1),(2) $1,887,825 $ 5,578,853 $1,641,879 $10,537,428 $8,242,370 Dividends receivable Accounts receivable from RiverSource Life of NY for contract purchase payments 327 3,058 1,117 6,876 Receivable for share redemptions 1,515 4,049 1,916 13,188 10,353 Total assets 1,889,667 5,585,960 1,643,795 10,551,733 8,259,599 Liabilities Payable to RiverSource Life of NY for: Mortality and expense risk fee 1,512 4,040 1,358 8,194 6,282 Contract terminations 3 8 559 4,995 4,071 Payable for investments purchased 327 3,058 1,117 6,876 Total liabilities 1,842 7,106 1,917 14,306 17,229 Net assets applicable to contracts in accumulation period 1,886,985 5,525,580 1,641,054 10,536,455 8,241,246 Net assets applicable to contracts in payment period 53,274 Net assets applicable to seed money 840 824 972 1,124 Total net assets $1,887,825 $ 5,578,854 $1,641,878 $10,537,427 $8,242,370 (1) Investment shares 171,933 361,793 106,754 524,772 425,742 (2) Investments, at cost $1,926,622 $ 6,060,991 $1,669,435 $ 9,502,389 $7,258,605 See accompanying notes to financial statements. 6 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE/RETIREMENT ADVISOR SELECT VARIABLE ANNUITY 2016 ANNUAL REPORT

Statements of Assets and Liabilities Dec. 31, 2016 (continued) Assets Temp Global Bond, GS VIT Mid Cap Val, Inst GS VIT Multi-Strategy Alt, Advisor GS VIT U.S. Eq Insights, Inst Invesco VI Am Fran, Ser II Investments, at fair value (1),(2) $1,448,558 $8,606,024 $ 118,685 $5,128,413 $2,377,351 Dividends receivable Accounts receivable from RiverSource Life of NY for contract purchase payments 1 7 64 1,430 Receivable for share redemptions 1,975 8,569 115 5,219 1,830 Total assets 1,450,534 8,614,593 118,807 5,133,696 2,380,611 Liabilities Payable to RiverSource Life of NY for: Mortality and expense risk fee 1,218 6,153 117 3,742 1,772 Contract terminations 756 2,416 1,477 58 Payable for investments purchased 1 7 64 1,430 Total liabilities 1,975 8,569 124 5,283 3,260 Net assets applicable to contracts in accumulation period 1,447,648 8,563,720 117,539 5,128,020 2,375,272 Net assets applicable to contracts in payment period 42,304 393 1,385 Net assets applicable to seed money 911 1,144 694 Total net assets $1,448,559 $8,606,024 $ 118,683 $5,128,413 $2,377,351 (1) Investment shares 89,142 530,254 13,071 290,562 45,753 (2) Investments, at cost $1,550,009 $8,029,107 $ 125,071 $3,941,473 $1,787,664 Dec. 31, 2016 (continued) Assets Invesco VI Bal Risk Alloc, Ser II Invesco VI Comstock, Ser II Invesco VI Div Divd, Ser I Invesco VI Global Hlth, Ser II Invesco VI Intl Gro, Ser II Investments, at fair value (1),(2) $ 671,956 $6,567,353 $1,379,692 $2,313,646 $4,279,894 Dividends receivable Accounts receivable from RiverSource Life of NY for contract purchase payments 24 808 2,225 Receivable for share redemptions 567 14,467 1,078 1,738 3,205 Total assets 672,547 6,581,820 1,380,770 2,316,192 4,285,324 Liabilities Payable to RiverSource Life of NY for: Mortality and expense risk fee 552 4,860 992 1,737 3,205 Contract terminations 13 9,607 86 Payable for investments purchased 24 808 2,225 Total liabilities 589 14,467 1,078 2,545 5,430 Net assets applicable to contracts in accumulation period 671,005 6,567,174 1,379,692 2,289,527 4,242,198 Net assets applicable to contracts in payment period 24,120 37,696 Net assets applicable to seed money 953 179 Total net assets $ 671,958 $6,567,353 $1,379,692 $2,313,647 $4,279,894 (1) Investment shares 59,889 352,704 52,301 100,288 131,933 (2) Investments, at cost $ 673,852 $4,731,267 $1,030,948 $2,406,116 $3,997,437 See accompanying notes to financial statements. RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE/RETIREMENT ADVISOR SELECT VARIABLE ANNUITY 2016 ANNUAL REPORT 7

Statements of Assets and Liabilities Dec. 31, 2016 (continued) Assets Invesco VI Mid Cap Gro, Ser I Invesco VI Tech, Ser I Ivy VIP Asset Strategy Janus Aspen Flex Bond, Serv Janus Aspen Gbl Alloc Mod, Serv Investments, at fair value (1),(2) $652,763 $1,031,754 $ 567,252 $930,929 $ 185,145 Dividends receivable Accounts receivable from RiverSource Life of NY for contract purchase payments 732 181 Receivable for share redemptions 456 6,005 479 761 168 Total assets 653,951 1,037,759 567,731 931,871 185,313 Liabilities Payable to RiverSource Life of NY for: Mortality and expense risk fee 456 725 479 761 168 Contract terminations 5,280 Payable for investments purchased 732 181 Total liabilities 1,188 6,005 479 942 168 Net assets applicable to contracts in accumulation period 652,546 1,031,754 566,685 929,957 183,665 Net assets applicable to contracts in payment period Net assets applicable to seed money 217 567 972 1,480 Total net assets $652,763 $1,031,754 $ 567,252 $930,929 $ 185,145 (1) Investment shares 133,489 57,672 70,519 73,708 16,650 (2) Investments, at cost $624,305 $ 927,075 $ 771,929 $956,664 $ 197,369 Dec. 31, 2016 (continued) Assets Janus Aspen Global Tech, Serv Janus Aspen Res, Serv Janus Aspen Overseas, Serv Lazard Ret Global Dyn MA, Serv MFS Mass Inv Gro Stock, Serv Cl Investments, at fair value (1),(2) $746,045 $3,444,016 $1,286,803 $534,018 $3,398,055 Dividends receivable Accounts receivable from RiverSource Life of NY for contract purchase payments 1,086 1,182 112 1,097 Receivable for share redemptions 512 2,606 908 427 3,941 Total assets 746,557 3,447,708 1,288,893 534,557 3,403,093 Liabilities Payable to RiverSource Life of NY for: Mortality and expense risk fee 512 2,606 908 427 2,517 Contract terminations 1,424 Payable for investments purchased 1,086 1,182 112 1,097 Total liabilities 512 3,692 2,090 539 5,038 Net assets applicable to contracts in accumulation period 746,045 3,442,323 1,286,803 532,850 3,398,055 Net assets applicable to contracts in payment period Net assets applicable to seed money 1,693 1,168 Total net assets $746,045 $3,444,016 $1,286,803 $534,018 $3,398,055 (1) Investment shares 87,873 121,654 53,909 45,179 223,409 (2) Investments, at cost $505,237 $3,091,505 $1,891,205 $544,923 $3,856,535 See accompanying notes to financial statements. 8 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE/RETIREMENT ADVISOR SELECT VARIABLE ANNUITY 2016 ANNUAL REPORT

Statements of Assets and Liabilities Dec. 31, 2016 (continued) Assets MFS New Dis, Serv Cl MFS Utilities, Serv Cl MS VIF Global Real Est, Cl II MS VIF Mid Cap Gro, Cl II NB AMT US Eq Index PW Strat, Cl S Investments, at fair value (1),(2) $1,596,973 $6,062,215 $ 2,296,508 $1,199,262 $ 95,237 Dividends receivable Accounts receivable from RiverSource Life of NY for contract purchase payments 29 1,128 1,220 10,053 Receivable for share redemptions 1,085 8,482 1,685 930 79 Total assets 1,598,087 6,071,825 2,299,413 1,210,245 95,316 Liabilities Payable to RiverSource Life of NY for: Mortality and expense risk fee 1,085 4,739 1,684 929 79 Contract terminations 3,743 1 Payable for investments purchased 29 1,128 1,220 10,053 Total liabilities 1,114 9,610 2,904 10,983 79 Net assets applicable to contracts in accumulation period 1,596,973 6,050,196 2,296,509 1,198,414 93,889 Net assets applicable to contracts in payment period 10,895 Net assets applicable to seed money 1,124 848 1,348 Total net assets $1,596,973 $6,062,215 $ 2,296,509 $1,199,262 $ 95,237 (1) Investment shares 106,394 229,891 221,671 140,265 10,263 (2) Investments, at cost $1,569,801 $6,186,033 $ 2,032,962 $1,552,550 $ 97,071 Dec. 31, 2016 (continued) Assets NB AMT Intl Eq, Cl S Oppen Global VA, Serv Oppen Global Strategic Inc VA, Srv Oppen Main St Sm Cap VA, Serv PIMCO VIT All Asset, Advisor Cl Investments, at fair value (1),(2) $1,125,164 $5,316,659 $16,909,877 $3,666,710 $6,686,308 Dividends receivable Accounts receivable from RiverSource Life of NY for contract purchase payments 972 111 2,765 71 641 Receivable for share redemptions 826 9,219 15,154 10,373 7,101 Total assets 1,126,962 5,325,989 16,927,796 3,677,154 6,694,050 Liabilities Payable to RiverSource Life of NY for: Mortality and expense risk fee 825 4,260 13,060 2,870 5,233 Contract terminations 4,958 2,096 7,504 1,869 Payable for investments purchased 972 111 2,765 71 641 Total liabilities 1,797 9,329 17,921 10,445 7,743 Net assets applicable to contracts in accumulation period 1,125,058 5,315,333 16,888,314 3,664,933 6,685,608 Net assets applicable to contracts in payment period 20,818 Net assets applicable to seed money 107 1,327 743 1,776 699 Total net assets $1,125,165 $5,316,660 $16,909,875 $3,666,709 $6,686,307 (1) Investment shares 103,989 153,483 3,335,281 154,388 660,702 (2) Investments, at cost $1,083,353 $5,054,669 $17,729,254 $3,248,910 $7,206,243 See accompanying notes to financial statements. RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE/RETIREMENT ADVISOR SELECT VARIABLE ANNUITY 2016 ANNUAL REPORT 9

Statements of Assets and Liabilities Dec. 31, 2016 (continued) Assets PIMCO VIT Glb MA Man Alloc, Adv Cl PIMCO VIT Tot Return, Advisor Cl Put VT Global Hlth Care, Cl IB Put VT Intl Eq, Cl IB Put VT Multi-Cap Gro, Cl IB Investments, at fair value (1),(2) $ 69,052 $ 708,858 $ 1,435,489 $616,341 $ 682,899 Dividends receivable 1,149 Accounts receivable from RiverSource Life of NY for contract purchase payments 1,491 154 211 151 Receivable for share redemptions 65 1,220 4,237 421 454 Total assets 69,117 712,718 1,439,880 616,973 683,504 Liabilities Payable to RiverSource Life of NY for: Mortality and expense risk fee 65 621 1,033 421 455 Contract terminations 600 3,204 Payable for investments purchased 2,639 154 211 151 Total liabilities 65 3,860 4,391 632 606 Net assets applicable to contracts in accumulation period 67,731 675,576 1,435,489 612,260 682,610 Net assets applicable to contracts in payment period 3,968 Net assets applicable to seed money 1,321 33,282 113 288 Total net assets $ 69,052 $ 708,858 $ 1,435,489 $616,341 $ 682,898 (1) Investment shares 5,978 66,622 91,549 49,987 20,897 (2) Investments, at cost $ 72,613 $ 734,565 $ 1,351,084 $641,394 $ 464,837 Dec. 31, 2016 (continued) Assets VanEck VIP Global Gold, Cl S Aggr, Aggr, Cl 4 AQR Man Fut Strategy, BR Gl Infl Prot Sec, Investments, at fair value (1),(2) $360,308 $50,684,590 $55,434,097 $451,547 $7,365,103 Dividends receivable Accounts receivable from RiverSource Life of NY for contract purchase payments 1,005 73 2,311 Receivable for share redemptions 316 40,737 45,620 377 5,635 Total assets 361,629 50,725,400 55,479,717 451,924 7,373,049 Liabilities Payable to RiverSource Life of NY for: Mortality and expense risk fee 316 39,915 42,152 378 5,553 Contract terminations 821 3,468 82 Payable for investments purchased 1,005 73 2,311 Total liabilities 1,321 40,809 45,620 378 7,946 Net assets applicable to contracts in accumulation period 358,859 50,684,482 55,434,086 450,574 7,365,011 Net assets applicable to contracts in payment period Net assets applicable to seed money 1,449 109 11 972 92 Total net assets $360,308 $50,684,591 $55,434,097 $451,546 $7,365,103 (1) Investment shares 50,676 3,042,292 3,321,396 57,595 1,341,549 (2) Investments, at cost $357,753 $39,202,345 $37,912,624 $548,872 $9,824,340 See accompanying notes to financial statements. 10 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE/RETIREMENT ADVISOR SELECT VARIABLE ANNUITY 2016 ANNUAL REPORT

Statements of Assets and Liabilities Dec. 31, 2016 (continued) Assets Conserv, Conserv, Cl 4 Lazard Intl Eq Adv, Loomis Sayles Gro, Cl 1 MFS Blended Res Core Eq, Investments, at fair value (1),(2) $ 41,640,692 $ 56,481,593 $ 399,326 $ 7,793,582 $ 2,237,647 Dividends receivable Accounts receivable from RiverSource Life of NY for contract purchase payments 962 163 6,939 Receivable for share redemptions 111,097 46,926 318 5,879 3,675 Total assets 41,752,751 56,528,519 399,807 7,806,400 2,241,322 Liabilities Payable to RiverSource Life of NY for: Mortality and expense risk fee 36,298 46,254 318 5,876 1,665 Contract terminations 74,800 672 4 2,010 Payable for investments purchased 962 163 6,939 Total liabilities 112,060 46,926 481 12,819 3,675 Net assets applicable to contracts in accumulation period 41,640,593 56,481,510 398,104 7,793,581 2,237,609 Net assets applicable to contracts in payment period Net assets applicable to seed money 98 83 1,222 38 Total net assets $ 41,640,691 $ 56,481,593 $ 399,326 $ 7,793,581 $ 2,237,647 (1) Investment shares 3,217,982 4,364,884 40,831 355,061 132,641 (2) Investments, at cost $ 37,192,508 $ 48,925,994 $ 401,094 $ 7,399,722 $ 1,263,620 Dec. 31, 2016 (continued) Assets Mod, Mod, Cl 4 Mod Aggr, Mod Aggr, Cl 4 Mod Conserv, Investments, at fair value (1),(2) $429,559,071 $649,225,007 $210,345,203 $219,222,868 $89,340,666 Dividends receivable Accounts receivable from RiverSource Life of NY for contract purchase payments 1,090 74,313 4,310 57 Receivable for share redemptions 969,182 627,130 177,107 370,723 76,494 Total assets 430,529,343 649,926,450 210,526,620 219,593,648 89,417,160 Liabilities Payable to RiverSource Life of NY for: Mortality and expense risk fee 362,042 507,476 169,244 166,826 76,201 Contract terminations 607,141 119,654 7,863 203,897 293 Payable for investments purchased 1,090 74,313 4,310 57 Total liabilities 970,273 701,443 181,417 370,780 76,494 Net assets applicable to contracts in accumulation period 429,389,574 649,224,996 210,301,918 219,222,857 89,149,317 Net assets applicable to contracts in payment period 169,428 43,217 191,307 Net assets applicable to seed money 68 11 68 11 42 Total net assets $429,559,070 $649,225,007 $210,345,203 $219,222,868 $89,340,666 (1) Investment shares 28,829,468 43,513,740 13,321,419 13,866,089 6,432,013 (2) Investments, at cost $346,838,478 $466,293,206 $165,303,235 $152,452,178 $74,821,104 See accompanying notes to financial statements. RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE/RETIREMENT ADVISOR SELECT VARIABLE ANNUITY 2016 ANNUAL REPORT 11

Statements of Assets and Liabilities Dec. 31, 2016 (continued) Assets Mod Conserv, Cl 4 Multi-Mgr Div Inc, Multi-Mgr Int Rate Adapt, Ptnrs Sm Cap Val, Vty Sycamore Estb Val, Investments, at fair value (1),(2) $125,661,966 $ 53,833 $ 94,507 $5,677,469 $ 973,839 Dividends receivable Accounts receivable from RiverSource Life of NY for contract purchase payments 114 Receivable for share redemptions 196,935 55 87 17,003 1,016 Total assets 125,859,015 53,888 94,594 5,694,472 974,855 Liabilities Payable to RiverSource Life of NY for: Mortality and expense risk fee 99,720 56 86 4,124 744 Contract terminations 97,215 12,880 271 Payable for investments purchased 114 Total liabilities 197,049 56 86 17,004 1,015 Net assets applicable to contracts in accumulation period 125,661,943 52,421 93,130 5,677,441 966,022 Net assets applicable to contracts in payment period 7,514 Net assets applicable to seed money 23 1,411 1,378 27 304 Total net assets $125,661,966 $ 53,832 $ 94,508 $5,677,468 $ 973,840 (1) Investment shares 9,027,440 5,373 9,753 219,123 43,263 (2) Investments, at cost $ 96,852,401 $ 53,545 $ 96,642 $3,055,994 $ 664,353 Dec. 31, 2016 (continued) Assets WF Short Duration Govt, Wanger Intl Wanger USA WF VT Index Asset Alloc, WF VT Intl Eq, Investments, at fair value (1),(2) $ 2,965,516 $ 9,709,635 $16,317,925 $1,979,013 $2,051,417 Dividends receivable Accounts receivable from RiverSource Life of NY for contract purchase payments 8,341 241 30 Receivable for share redemptions 2,429 7,106 16,283 1,384 2,029 Total assets 2,967,945 9,725,082 16,334,449 1,980,427 2,053,446 Liabilities Payable to RiverSource Life of NY for: Mortality and expense risk fee 2,378 7,106 11,925 1,353 1,525 Contract terminations 51 4,358 31 504 Payable for investments purchased 8,341 241 30 Total liabilities 2,429 15,447 16,524 1,414 2,029 Net assets applicable to contracts in accumulation period 2,964,611 9,699,157 16,293,820 1,979,013 2,032,907 Net assets applicable to contracts in payment period 10,467 24,094 18,428 Net assets applicable to seed money 905 11 11 82 Total net assets $ 2,965,516 $ 9,709,635 $16,317,925 $1,979,013 $2,051,417 (1) Investment shares 295,370 410,729 615,074 103,289 460,992 (2) Investments, at cost $ 2,992,228 $11,357,597 $18,084,721 $1,432,994 $2,155,998 See accompanying notes to financial statements. 12 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE/RETIREMENT ADVISOR SELECT VARIABLE ANNUITY 2016 ANNUAL REPORT

Statements of Assets and Liabilities Dec. 31, 2016 (continued) Assets WF VT Opp, WF VT Sm Cap Gro, WA Var Global Hi Yd Bond, Cl II Investments, at fair value (1),(2) $2,881,200 $3,027,492 $299,709 Dividends receivable Accounts receivable from RiverSource Life of NY for contract purchase payments 137 449 Receivable for share redemptions 16,068 12,652 408 Total assets 2,897,405 3,040,593 300,117 Liabilities Payable to RiverSource Life of NY for: Mortality and expense risk fee 2,123 2,360 242 Contract terminations 13,944 10,293 166 Payable for investments purchased 137 449 Total liabilities 16,204 13,102 408 Net assets applicable to contracts in accumulation period 2,809,028 3,026,381 298,547 Net assets applicable to contracts in payment period 70,720 Net assets applicable to seed money 1,453 1,110 1,162 Total net assets $2,881,201 $3,027,491 $299,709 (1) Investment shares 116,790 363,444 41,112 (2) Investments, at cost $2,333,844 $2,995,709 $321,581 See accompanying notes to financial statements. RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE/RETIREMENT ADVISOR SELECT VARIABLE ANNUITY 2016 ANNUAL REPORT 13

Statements of Operations Year ended Dec. 31, 2016 Investment income AB S Dyn Asset Alloc, Cl B AB S Global Thematic Gro, Cl B AB S Gro & Inc, Cl B AB S Intl Val, Cl B ALPS Alerian Engy Infr, Class III Dividend income $ 1,869 $ $ 39,697 $ 75,525 $ 50,901 Variable account expenses 3,385 9,888 44,426 64,943 20,499 Investment income (loss) net (1,516) (9,888) (4,729) 10,582 30,402 Realized and unrealized gain (loss) on investments net Realized gain (loss) on sales of investments: Proceeds from sales 38,885 333,925 1,414,253 1,807,506 314,755 Cost of investments sold 40,172 269,386 1,051,301 2,128,932 332,314 Net realized gain (loss) on sales of investments (1,287) 64,539 362,952 (321,426) (17,559) Distributions from capital gains 73 294,777 Net change in unrealized appreciation or depreciation of investments 10,075 (79,583) (185,860) 158,747 733,109 Net gain (loss) on investments 8,861 (15,044) 471,869 (162,679) 715,550 Net increase (decrease) in net assets resulting from operations $ 7,345 $ (24,932) $ 467,140 $ (152,097) $ 745,952 Year ended Dec. 31, 2016 (continued) Investment income AC Intl, Cl II AC Mid Cap Val, Cl II AC Ultra, Cl II AC Val, Cl II BlackRock Global Alloc, Cl III Dividend income $ 11,433 $ 69,192 $ 4,711 $ 237,562 $ 48,941 Variable account expenses 10,200 41,918 22,758 138,289 45,573 Investment income (loss) net 1,233 27,274 (18,047) 99,273 3,368 Realized and unrealized gain (loss) on investments net Realized gain (loss) on sales of investments: Proceeds from sales 368,199 1,579,385 543,707 3,823,751 3,101,237 Cost of investments sold 326,156 1,260,556 398,490 2,927,814 3,515,996 Net realized gain (loss) on sales of investments 42,043 318,829 145,217 895,937 (414,759) Distributions from capital gains 227,077 99,504 Net change in unrealized appreciation or depreciation of investments (137,494) 310,973 (139,838) 1,649,801 481,494 Net gain (loss) on investments (95,451) 856,879 104,883 2,545,738 66,735 Net increase (decrease) in net assets resulting from operations $ (94,218) $ 884,153 $ 86,836 $2,645,011 $ 70,103 Year ended Dec. 31, 2016 (continued) Investment income Calvert SRI Bal, Cl I Bal, Commodity Strategy, Contrarian Core, Disciplined Core, Dividend income $ 20,294 $ $ $ $ Variable account expenses 11,209 166,554 1,634 13,784 207,152 Investment income (loss) net 9,085 (166,554) (1,634) (13,784) (207,152) Realized and unrealized gain (loss) on investments net Realized gain (loss) on sales of investments: Proceeds from sales 415,042 2,193,521 17,876 140,098 3,690,654 Cost of investments sold 367,997 1,680,663 20,602 130,112 2,361,103 Net realized gain (loss) on sales of investments 47,045 512,858 (2,726) 9,986 1,329,551 Distributions from capital gains 30,863 Net change in unrealized appreciation or depreciation of investments 4,104 467,945 18,302 106,706 84,469 Net gain (loss) on investments 82,012 980,803 15,576 116,692 1,414,020 Net increase (decrease) in net assets resulting from operations $ 91,097 $ 814,249 $ 13,942 $ 102,908 $1,206,868 See accompanying notes to financial statements. 14 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE/RETIREMENT ADVISOR SELECT VARIABLE ANNUITY 2016 ANNUAL REPORT