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                                  AGREEMENT
                                BY AND AMONG
                     RIVERSOURCE LIFE INSURANCE COMPANY,
                    AMERIPRISE INDIA PRIVATE LIMITED, AND
                         AMERIPRISE FINANCIAL, INC.
                    (A/K/A SUPPLEMENTARY AGREEMENT NO. 1)

This Agreement (the "Agreement") is made on the 1st day of January, 2007 by
and among:

RiverSource Life Insurance Company, an insurance company organized under the
laws of the State of Minnesota and having its principal place of business in
Minneapolis, Minnesota (hereafter "RSLIC");

Ameriprise India Private Limited, a company incorporated in India under the
Companies Act of 1956 and having its registered office in New Delhi, India
(hereinafter "AIPL"); and

Ameriprise Financial, Inc., a Delaware corporation incorporated in the
United States of America and having its principal place of business in
Minneapolis, Minnesota (hereafter ("AFI").

WHEREAS
-------

      I.    RSLIC, AFI, and AIPL are affiliated with each other and are
            members of the same holding company system for purposes of
            Minnesota insurance law;

      II.   An Export Agreement dated June 1, 2006 exists between AFI and
            AIPL (hereafter the "Export Agreement");

      III.  Pursuant to clause 2.3 of the Export Agreement, AFI desires to
            add RSLIC as a "Designated Office", as that term is used in the
            Export Agreement, for purposes of enabling AIPL to perform
            certain activities for the benefit of RSLIC, including data
            management, information analysis and control; and

      IV.   RSLIC, AFI, and AIPL desire to create this Agreement as a
            supplement to the Export Agreement (to be known alternatively as
            "Supplementary Agreement Number 1"), which Agreement shall
            supercede and override such Export Agreement to the extent any
            provisions are in conflict;

NOW THEREFORE, in consideration of their mutual covenants and agreements
contained herein, the parties agree as follows:

      1.    Activities. At the request of RSLIC and subject to RSLIC's sole
            and exclusive right to control and manage its business, AIPL
            shall perform for RSLIC those activities as are set forth on
            Schedule A attached hereto and made a part hereof.

      2.    Regulatory Approval. RSLIC shall be responsible for obtaining
            any required regulatory approvals from governmental authorities
            in the United States

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            for RSLIC to have AIPL perform the activities contemplated by
            this Agreement. AIPL shall be responsible for obtaining any
            required regulatory approvals from governmental authorities in
            India for AIPL to perform the activities contemplated by this
            Agreement. The parties specifically agree this Agreement shall
            not become effective unless approved (affirmatively or through
            the "deemer" process) by the Minnesota Commerce Department.

      3.    Designated Office. RSLIC shall be added as a Designated Office
            for purposes of the Export Agreement.

      4.    Term. This Agreement shall take effect on January 1, 2007 and
            shall remain in force until earlier of (i) termination of the
            Export Agreement or (ii) termination of this Agreement by
            exercising the termination procedures specified in Section 7 of
            the Export Agreement with respect to RSLIC as a Designated
            Office.

      5.    Compliance. RSLIC and AIPL shall work cooperatively to ensure
            compliance with all relevant laws and regulations, including
            laws applicable to RSLIC as an insurance company operating under
            Minnesota statutes. RSLIC shall be responsible for informing
            AIPL in writing of such laws and regulation as are applicable
            for the activities to be performed by AIPL for RSLIC, as well as
            any modifications or amendments thereto, and providing necessary
            written instructions relating thereto so as to ensure that AIPL
            is aware of and can comply with such legal requirements. AIPL
            shall exercise ordinary care and reasonable diligence in the
            performance of activities for RSLIC and represents itself to be
            an experienced and qualified business entity for purposes of
            undertaking such activities.

      6.    Control. The performance of activities by AIPL for RSLIC
            pursuant to this Agreement shall in no way impair the control of
            the business and operations of RSLIC by the RSLIC Board of
            Directors. Notwithstanding the foregoing, AIPL shall retain
            control of its own business and operations in its capacity as a
            vendor performing activities for RSLIC.

      7.    Charges/Prices. RSLIC will pay AIPL for activities performed
            pursuant to the terms of the Export Agreement in accordance with
            the provisions thereof. The purchase price described in the
            Export Agreement is designed to reflect the costs of AIPL in
            performing such activities which are reasonably and equitably
            attributable to activities performed for RSLIC, including
            overhead, plus a reasonable mark-up consistent with commercial
            standards and any regulatory requirements applicable to AIPL.

      8.    Accounting and Audits. AIPL shall be responsible for maintaining
            full and accurate books, records, and accounts of all activities
            performed pursuant to this Agreement as necessary to support the
            accuracy of the charges/prices under this Agreement. RSLIC, upon
            reasonable notice to AIPL, shall have the right to conduct an
            audit, at its own cost, of such books, records, and accounts to
            verify

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            the performance of activities and computation of charges/prices
            under this Agreement.

      9.    Ownership of Records. All insurance related records, books, and
            files established and maintained on behalf of RSLIC by AIPL by
            reason of AIPL's performance of activities under this Agreement
            shall be property of RSLIC and shall be subject to examination,
            at RSLIC cost, by RSLIC or by any governmental agency having
            jurisdiction over RSLIC, including but not limited to the
            Minnesota Commerce Department.

      10.   Governing Law. Notwithstanding provision 12 of the Export
            Agreement, any claim or dispute arising out of this Agreement
            which pertains specifically to compliance with insurance laws of
            Minnesota or any other jurisdiction within the United States for
            the activities performed by AIPL for RSLIC shall be governed by
            and construed in accordance with such laws of Minnesota or such
            other jurisdiction; any other claim or dispute which does not
            pertain to or arise out of such insurance laws shall be governed
            by and construed in accordance with the laws of India.

      11.   Notice. All notices provided by one party to another shall be
            deemed to be given when delivered by hand to an officer of the
            other party or when mailed through the United States or Indian
            Postal Service, as the case may be, as first class certified or
            registered mail, overnight courier, or telecopier, addressed:

            i)    RiverSource Life Insurance Company:

                        RiverSource Life Insurance Company
                        249 Ameriprise Financial Center
                        Minneapolis, Minnesota 55474
                        Attention:  Timothy V. Bechtold

            ii)   Ameriprise India Private Limited

                        Ameriprise India Private Limited
                        4th Floor Palm Court Building
                        Sukhrali Road, Opposite Sector 14
                        Maharana  Pratap Chowk I Gurgaon 22002, India
                        Attention:  Manjul Grover

            iii)  Ameriprise Financial, Inc.

                        Ameriprise Financial, Inc.
                        1765 Ameriprise Financial Center
                        Minneapolis, Minnesota 55474
                        Attention:  David K. Stewart

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      12.   Arbitration. Notwithstanding section 16 of the Export Agreement,
            any unresolved dispute arising under this supplementary
            agreement between AIPL and/or RSLIC and/or AFI shall be decided
            by arbitration as follows. The arbitration shall be conducted by
            a sole arbitrator selected by unanimous agreement of the
            concerned parties hereto as the case may be. Decisions of the
            arbitrator shall be final and there shall be no appeal from the
            arbitrator's decisions. The arbitration shall be conducted in
            accordance with the rules of the American Arbitration
            Association unless the concerned parties decide otherwise in
            which case the applicable rules shall be as agreed to by the
            concerned parties. The place of arbitration shall be
            Minneapolis, Minnesota, USA, in the event AIPL invokes
            arbitration proceedings or New Delhi, India, in the event RSLIC
            or AFI invoke the arbitration proceedings, as the case may be.

      13.   Effect. This Agreement, together with the Export Agreement, and
            together with such amendments as may from time to time be
            executed in writing by the parties, constitutes the entire
            agreement and understanding between the parties in respect of
            the transactions contemplated hereby and supersedes all prior
            agreements, arrangements and understandings relating to the
            subject matter hereof including the "Supplementary Agreement No.
            1" between the parties hereto dated June 8, 2006.

IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be duly
executed as of the date indicated above:

RIVERSOURCE LIFE INSURANCE COMPANY

By:  /s/ Timothy V. Bechtold
     -----------------------
         Timothy V. Bechtold

Date:    12/21/2006

AMERIPRISE INDIA PRIVATE LIMITED

By:  /s/ Manjul Grover
     -----------------------
         Manjul Grover

Date:    12/27/2006

AMERIPRISE FINANCIAL, INC

By:  /s/ David K. Stewart
     -----------------------
         David K. Stewart

Date:    12/21/2006



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                                 SCHEDULE A

Listed below are the activities to be performed by AIPL for RSLIC, as and
when desired, in accordance with the terms and conditions of the Agreement
to which this schedule is attached.

Bank Reconciliation
o     Matching electronic account information received from outside banks
      with RSLIC's general ledger and reconciling any differences.
o     Fund accounts to be reconciled before the 17th workday of the month;
      non-fund accounts to be reconciled before the end of the month.
o     Includes answering inquiries by RSLIC management and contacting
      appropriate parties to clear balance sheet and other items as
      necessary.
o     Does not include reconciliation of the common disbursement account for
      payment of client funds, the image positive pay process, check copying
      for response to service inquiries, physical handling of checks, and
      tracking and storage of voided checks.

Corporate Purchasing Card Accounting
o     Monthly processing of transaction data from American Express Global
      Procurement (reflecting purchases by RSLIC departments using the
      corporate purchasing card), reconciling such information with RSLIC's
      general ledger, and taking steps necessary to facilitate RSLIC payment
      to American Express Company (via AFI) for purposes of reimbursing
      vendors and suppliers.
o     Includes responding as necessary to inquiries by RSLIC departments
      regarding corporate purchase card transactions.

Intercompany Payables/Receivables
o     For purposes of accounting for intercompany receivables and payables
      among RSLIC and its affiliates (which for purposes of this item shall
      mean AFI and any of its subsidiaries), downloading data from the RSLIC
      general ledger on a monthly basis and reconciling such information to
      reflect agreed-upon payments among the affiliated companies; clear
      items as necessary; arrange for and code payment for wire transfers
      among the affiliated companies.
o     Includes intercompany receivables payable by RiverSource mutual funds
      to RSLIC for production/distribution of prospectuses and annual
      reports.

Journal Ledger Data-Entry
o     Daily entry of data into RSLIC's general ledger; entails receiving
      detailed information from various sources (including Client and
      Investment Accounting, bank reports, and other inputs) and entering
      such information via uploading or entry of data into the RSLIC general
      ledger.
o     Includes compiling and maintaining journal ledgers in a manner readily
      accessible to RSLIC for purposes of reports or inquiries.

Other Balance Sheet Accounts
o     Reconciling and clearing any other balance sheet account items not
      specifically identified above to the extent necessary for RSLIC
      bookkeeping or as agreed upon by the parties.

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