# EDGAR Filing Document

**Accession Number:** 0000727892
**File Stem:** 0001193125-23-015893
**Filing Date:** 2023-1
**Character Count:** 108061
**Document Hash:** f4e3e74c6d650518fa1335469c96e95f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-23-015893.hdr.sgml**: 20230126

**ACCESSION NUMBER**: 0001193125-23-015893

**CONFORMED SUBMISSION TYPE**: POS AM

**PUBLIC DOCUMENT COUNT**: 4

**FILED AS OF DATE**: 20230126

**DATE AS OF CHANGE**: 20230126

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** RIVERSOURCE LIFE INSURANCE CO
- **CENTRAL INDEX KEY:** 0000727892
- **STANDARD INDUSTRIAL CLASSIFICATION:** LIFE INSURANCE [6311]
- **IRS NUMBER:** 410823832
- **STATE OF INCORPORATION:** MN
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** POS AM
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-265678
- **FILM NUMBER:** 23555448

**BUSINESS ADDRESS:**
- **STREET 1:** 50605 AMERIPRISE FINANCIAL CENTER
- **STREET 2:** H27/5299
- **CITY:** MINNEAPOLIS
- **STATE:** MN
- **ZIP:** 55474
- **BUSINESS PHONE:** 6126784177

**MAIL ADDRESS:**
- **STREET 1:** 50605 AMERIPRISE FINANCIAL CENTER
- **STREET 2:** H27/5299
- **CITY:** MINNEAPOLIS
- **STATE:** MN
- **ZIP:** 55474

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** IDS LIFE INSURANCE CO
- **DATE OF NAME CHANGE:** 19970414

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** IDS LIFE INSURANCE CO /MN
- **DATE OF NAME CHANGE:** 19920703

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

**Registration Statement No. 333-265678**<br>

**Filed with the Securities and Exchange Commission on January 26, 2023**

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**UNITED STATES** <br>**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

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**FORM S-3** <br>**REGISTRATION STATEMENT**

***UNDER*** <br>***THE SECURITIES ACT OF 1933***

**POST-EFFECTIVE AMENDMENT NO.1**

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**RIVERSOURCE LIFE INSURANCE COMPANY**

**(Exact Name of Registrant as specified in charter)**

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| | |
|:---|:---|
| **Minnesota**<br> **(State or other jurisdiction of**<br> **incorporation or organization)**<br>| &nbsp;&nbsp; **41-0823832**<br> **(I.R.S. Employer**<br> **Identification No.)**<br>|

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**70100 Ameriprise Financial Center** <br>**Minneapolis, MN 55474** <br>**(800) 862-7919**

**(Address, including zip code, and telephone number, including area code, of registrant's principal executive offices)**

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**Nicole D. Wood** <br>**RiverSource Life Insurance Company** <br>**50605 Ameriprise Financial Center** <br>**Minneapolis, Minnesota 55474** <br>**(612) 678-5337**

**(Name, address, including zip code, and telephone number, including area code, of agent for service)**

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Approximate date of commencement of proposed sale to the public: as soon as practicable after the effective date of the Registration Statement.

If the only securities being registered on this Form are being offered pursuant to dividend or interest reinvestment plans, please check the following box. ☐

If any of the securities being registered on this Form are to be offered on a delayed or continuous basis pursuant to Rule 415 under the Securities Act of 1933, other than securities offered only in connection with dividend or interest reinvestment plans, check the following box. ☒

If this Form is filed to register additional securities for an offering pursuant to Rule 462(b) under the Securities Act, please check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. ☐

If this Form is a post-effective amendment filed pursuant to Rule 462(c) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. ☐

If this Form is a registration statement pursuant to General Instruction I.D. or a post-effective amendment thereto that shall become effective upon filing with the Commission pursuant to Rule 462(e) under the Securities Act, check the following box. ☐

If this Form is a post-effective amendment to a registration statement filed pursuant to General Instruction I.D. filed to register additional securities or additional classes of securities pursuant to Rule 413(b) under the Securities Act, check the following box. ☐

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Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of "large accelerated filer," "accelerated filer" and "smaller reporting company" in Rule 12b2 of the Exchange Act.

Large accelerated filer ☐ Accelerated filer ☐ <br>Non-accelerated filer ☒ (Do not check if a smaller reporting company) Smaller reporting company ☐

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**The Registrant hereby amends this registration statement on such date or dates as may be necessary to delay its effective date until the Registrant shall file a further amendment which specifically states that this registration statement shall thereafter become effective in accordance with Section 8(a) of the Securities Act of 1933 or until the registration statement shall become effective on such date as the Commission, acting pursuant to Section 8(a), may determine.**

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This Post-Effective Amendment No. 1 ("PEA") to the Form S-3 Registration Statement No. 333-265678 ("Registration Statement") of RiverSource Life Insurance Company is being filed for the purpose of including in the Registration Statement the additions/modifications reflected in the Supplement. Part II has also been updated pursuant to the requirements of Form S-3. The PEA does not amend any other part of the Registration Statement except as specifically noted herein.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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| | |
|:---|:---|
| &nbsp;&nbsp; **Supplement dated April ____, 2023 to the**<br> **Prospectus Dated Sept. 26, 2022** | &nbsp;&nbsp; **Supplement dated April ____, 2023 to the**<br> **Prospectus Dated Sept. 26, 2022** |
| **Product Name** | **Prospectus Form #** |
| *RiverSource*<sup>®</sup> *Structured Solutions*<sup>SM</sup> annuity  | PRO 9103_12_A01 (9/22) |

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*The information in this Supplement modifies certain information contained in the above referenced prospectus (the "Prospectus") issued by RiverSource Life insurance Company. Please read it carefully and keep it with your Prospectus for future reference. This Supplement incorporates the Prospectus by reference. Unless otherwise indicated, all other information included in your Prospectus remains unchanged. The terms we use in this Supplement have the same meaning as in your Prospectus.*

The purpose of this Supplement is to provide you with information regarding a new Hypothetical Value of Fixed Assets formula that will be applied to contracts with application dates on or after April 24, 2023.

**I. In the "Appendix B: Additional Proxy Value Details", paragraph (2), describing Hypothetical Value of Fixed Assets is replaced in its entirety with the following:**

**(2) Hypothetical Value of Fixed Assets.**

For Contracts with application dates prior to 4/24/2023 (and for applications on or after 4/24/2023 in states that have not approved the new formula), the Hypothetical Value of Fixed Assets is calculated as follows:

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| |
|:---|
| **1** |
| **(1 + R)**<sup>M</sup> |

---

Where:

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| | | |
|:---|:---|:---|
| **R** | = | A reference rate representing current yields. It uses the Bloomberg Barclays U.S. Credit Index – Yield to Worst <br> rate plus a Rate Adjustment Factor.<br>|
| **M** | = | The number of full and partial years remaining in Your Segment |

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The Rate Adjustment Factor is calculated so Your Segment Value on the Segment start date, prior to any adjustment for exit costs made to the Hypothetical Value of Derivatives, will be equal to Your Investment Base. This adjustment will be set at the beginning of each Segment and will not change during the Segment.

For Contracts with application dates on or after 4/24/2023 (subject to state approval), the Hypothetical Value of Fixed Assets is calculated as follows:

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| | |
|:---|:---|
| **1** | \***Rate Adjustment** |
| **(1 + Initial Value)**<sup>M</sup> | \***Rate Adjustment** |

---

Where:

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| | | |
|:---|:---|:---|
| **Initial Value** | = | A value calculated so Your Segment Value on the Segment start date, prior to any adjustment for <br> exit costs made to the Hypothetical Value of Derivatives, will be equal to Your Investment Base. <br> The Initial Value will not change during the Segment.<br>|
| **M** | = | The number of full and partial years remaining in Your Segment |
| **Rate Adjustment** | = | An estimate of the change in fixed asset values that has occurred since the start of Your <br> Segment.<br>|

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The Rate Adjustment is equal to:

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| | | |
|:---|:---|:---|
| ( | **1 + *Reference Rate*** *as of the Segment Start Date* | <sup>Rate Adjustment Tenor</sup> |
| ( | **1 + *Reference Rate*** *as of the current date* |  |

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Where:

**Rate Adjustment Tenor =** Segment Duration\*(M/Segment Duration)<sup>Rate Adjustment Exponent</sup>

**Segment Duration** = The initial length of the segment in years

**Reference Rate** = A rate representing current yields. Currently we are using the Bloomberg Barclays U.S. Credit Index – Yield to Worst rate. We may change the external index being used at any time.

**Rate Adjustment Exponent** = The current value is 0.5. We may change this value for new segments at any time, between the values of 0.2 and 1.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

**II. In the "Indexed Account(s) Value – Segment Value after the Segment start date and before the Segment Maturity Date" section of the prospectus, the last paragraph is replaced with the following:**

For examples of the Segment Value calculation for Contracts with application dates on or after April 24, 2023, see Appendix G and for examples of the Segment Value calculation for Contracts with application dates prior to April 24, 2023, see Appendix C. For examples of how the Investment Base is impacted by a partial surrender, see Appendix D.

**III. The heading for the Appendix C is revised to read: "Appendix C: Examples – Segment Value Calculation (for Contracts with application dates prior to April 24, 2023).**

**Examples for Segment Value Calculation for Contracts with application dates on or after April 24, 2023, are stated in the new Appendix G: Examples – Segment Value Calculation (for Contracts with application dates on or after April, 24, 2023):**

Appendix G: Examples – Segment Value Calculation (for Contracts with application dates on or after April 24, 2023)

The following pages contain hypothetical examples showing the calculation of Segment Values after the Segment start date and before the Segment Maturity Date. Each example also demonstrates the effect of a partial surrender. The examples are calculated across four different Index return scenarios: 10%, -10%, 30%, and -30% with a stated interest rate assumption. In addition to the Segment Value, a hypothetical investment with Index returns is shown for comparison purposes.

For each Segment, the Segment Value is reduced by the dollar amount of the surrender and the Investment Base will be reduced proportionally based on the percentage of Segment Value that is withdrawn. If at the time of surrender the Segment Value is less than the Investment Base, the Investment Base will be reduced by an amount greater than the dollar amount of the partial surrender. If at the time of surrender the Segment Value is greater than the Investment Base, the Investment Base will be reduced by an amount less than the dollar amount of the partial surrender. The reduced Investment Base will impact all future daily Segment Values including the Segment Value on the Segment Maturity Date.

Examples 1 through 4 use the Point-to-Point with a Cap and Buffer Crediting Method.

Example 5 uses the Point-to-Point with an Annual Fee and Buffer Crediting Method.

Example 6 uses the Annual Lock with a Buffer Crediting Method.

Example 7 uses the Point-to-Point with a Contingent Yield and Buffer Crediting Method.

Example 8 uses the Point-to-Point with a Contingent Yield and Trigger Crediting Method.

You generally will not receive the full protection of the Buffer, Floor or Trigger prior to Segment maturity. It is possible that You would see no protection from the Buffer or Floor until Segment maturity. It is also possible that you would see no protection from the Trigger during a Segment and at Segment Maturity. As a Segment moves closer to maturity, the Segment Value would generally reflect a larger portion of the Buffer or Floor protection. To the extent there is any protection from the Buffer, Floor, or Trigger during a Segment, it is reflected in the proxy value.

Note all components of the proxy value are stated as a percent for consistency.

The examples use hypothetical values and are not necessarily indicative of actual results.

All partial surrenders are assumed to include any applicable Surrender Charges.

**Assumptions for All Scenarios** 

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Example Number** | **#1** | **#2** | **#3** | **#4** | **#5** | **#6** | **#7** | **#8** |
| **Segment Type** | **1 Year Cap and**<br> **Buffer** <br>| **3 Year Cap and**<br> **Buffer**<br>| **6 Year Cap and**<br> **Buffer**<br>| **6 Year Cap and**<br> **Buffer**<br>| **1 Year**<br> **Annual**<br> **Fee**<br>| **3 Year**<br> **Annual**<br> **Lock**<br>| **1 Year**<br> **Contingent**<br> **Yield**<br> **and Buffer**<br>| **1 Year**<br> **Contingent**<br> **Yield**<br> **and Trigger**<br>|
| Investment Base | $1000.00  | $1000.00  | $1000.00  | $1000.00  | $1000.00  | $1000.00  | $1000.00  | $1000.00  |
| Segment Duration <br> (months)<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 36 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 72 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 72 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 36 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12 |
| Months Since Segment <br> Start Date<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 69 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6 |
| Buffer or Trigger <br> Percentage<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -10% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -15% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -25% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -25% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -10% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -10% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -10% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -25% |
| Cap or Contingent Yield | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 30% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100% | No Cap | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6% |

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Example Number** | **#1** | **#2** | **#3** | **#4** | **#5** | **#6** | **#7** | **#8** |
| **Segment Type** | **1 Year Cap and**<br> **Buffer** <br>| **3 Year Cap and**<br> **Buffer**<br>| **6 Year Cap and**<br> **Buffer**<br>| **6 Year Cap and**<br> **Buffer**<br>| **1 Year**<br> **Annual**<br> **Fee**<br>| **3 Year**<br> **Annual**<br> **Lock**<br>| **1 Year**<br> **Contingent**<br> **Yield**<br> **and Buffer**<br>| **1 Year**<br> **Contingent**<br> **Yield**<br> **and Trigger**<br>|
| Upside Participation <br> Rate<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; N/A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; N/A |
| Annual Fee (if <br> applicable)<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; N/A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; N/A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; N/A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; N/A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.50% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; N/A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; N/A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; N/A |
| Months Remaining in <br> Segment<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 60 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 33 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6 |

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**A. 10% Index Return and no change in Interest Rates Scenario** 

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Example Number** | **#1** | **#2** | **#3** | **#4** | **#5** | **#6** | **#7** | **#8** |
| **Segment Type** | **1 Year Cap and**<br> **Buffer**<br>| **3 Year Cap and**<br> **Buffer**<br>| **6 Year Cap and**<br> **Buffer**<br>| **6 Year Cap and**<br> **Buffer**<br>| **1 Year**<br> **Annual**<br> **Fee**<br>| **3 Year**<br> **Annual**<br> **Lock**<br>| **1 Year**<br> **Contingent**<br> **Yield**<br> **and Buffer**<br>| **1 Year**<br> **Contingent**<br> **Yield**<br> **and Trigger**<br>|
| *Hypothetical* <br> *Value of* <br> *Derivatives*<br> *Excluding* <br> *Transaction* <br> *Costs*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.17% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.98% | &nbsp;&nbsp;&nbsp;&nbsp; 16.57% | &nbsp;&nbsp;&nbsp;&nbsp; 11.00% | &nbsp;&nbsp;&nbsp;&nbsp; 11.80% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.21% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.05% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.77% |
| *Less Estimated* <br> *Transaction* <br> *Costs*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.15% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.30% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.05% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.10% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.55% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.75% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.50% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1. Hypothetical <br> Value of <br> Derivatives<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.02% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.68% | &nbsp;&nbsp;&nbsp;&nbsp; 15.57% | &nbsp;&nbsp;&nbsp;&nbsp; 10.95% | &nbsp;&nbsp;&nbsp;&nbsp; 11.70% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.66% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.30% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.27% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2. Hypothetical <br> Value of Fixed <br> Assets<br>| &nbsp;&nbsp;&nbsp;&nbsp; 99.57% | &nbsp;&nbsp;&nbsp;&nbsp; 98.63% | &nbsp;&nbsp;&nbsp;&nbsp; 91.45% | &nbsp;&nbsp;&nbsp;&nbsp; 99.55% | &nbsp;&nbsp;&nbsp;&nbsp; 98.39% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 98.47% | &nbsp;&nbsp;&nbsp;&nbsp; 99.61% | &nbsp;&nbsp;&nbsp;&nbsp; 98.72% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3. Present Value of <br> Annual Fees<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.48% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4. Proxy Value = #1 <br> + #2 - #3<br>| &nbsp;&nbsp;&nbsp; 104.58% | &nbsp;&nbsp;&nbsp; 108.31% | &nbsp;&nbsp;&nbsp; 107.02% | &nbsp;&nbsp;&nbsp; 110.51% | &nbsp;&nbsp;&nbsp; 108.61% | &nbsp;&nbsp;&nbsp; 104.13% | &nbsp;&nbsp;&nbsp; 102.92% | &nbsp;&nbsp;&nbsp; 104.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5. Prorated Cap or <br> Contingent Yield <br>| &nbsp;&nbsp;&nbsp; 102.75% | &nbsp;&nbsp;&nbsp; 115.00% | &nbsp;&nbsp;&nbsp; 116.67% | &nbsp;&nbsp;&nbsp; 195.83% | No Cap | &nbsp;&nbsp; 102.75%¹ | &nbsp;&nbsp;&nbsp; 101.50% | &nbsp;&nbsp;&nbsp; 103.00% |
| **6.Segment Value** <br> **= Investment** <br> **Base \***<br> **Lesser of #4 and** <br> **#5**<br>| **$1027.50** | **$1083.12** | **$1070.23** | **$1105.05** | **$1086.06** | **$1027.50** | **$1015.00** | **$1030.00** |
| *Hypothetical $1000* <br> *Investment*<br> *With 10% Return*<sup>2</sup><br>| *$1100.0* | *$1100.0* | *$1100.0* | *$1100.0* | *$1100.0* | *$1100.00* | *$1100.00* | *$1100.00* |
| *Segment Value*<br> *Less Hypothetical* <br> *Investment*<br>| *-$72.50* | *-$16.88* | *-$29.77* | *$5.05* | *-$13.94* | *-$72.50* | *-$85.00* | *-$70.00* |
| **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7. Partial Surrender <br> Amount<br>| $100  | $100  | $100  | $100  | $100  | $100  | $100 | $100 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8. Proportionate <br> Adjustment to <br> Investment Base <br> =<br> Investment Base <br> \* (#7 / #6)<br>| $97.32 | $92.33 | $93.43 | $90.49 | $92.08 | $97.32 | $98.52 | $97.09 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9. Investment Base <br> After Partial <br> Surrender =<br> Investment Base <br> - #8<br>| $902.68  | $907.67  | $906.56  | $909.51  | $907.92  | $902.68  | $901.48  | $902.91  |
| **10.Segment Value** <br> **After Partial** <br> **Surrender = #9** <br> **\***<br> **Lesser of #4** <br> **and #5**<br>| **$927.50** | **$983.12** | **$970.23** | **$1005.05** | **$986.06** | **$927.50** | **$915.00** | **$930.00** |

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Example Number** | **#1** | **#2** | **#3** | **#4** | **#5** | **#6** | **#7** | **#8** |
| **Segment Type** | **1 Year Cap and**<br> **Buffer**<br>| **3 Year Cap and**<br> **Buffer**<br>| **6 Year Cap and**<br> **Buffer**<br>| **6 Year Cap and**<br> **Buffer**<br>| **1 Year**<br> **Annual**<br> **Fee**<br>| **3 Year**<br> **Annual**<br> **Lock**<br>| **1 Year**<br> **Contingent**<br> **Yield**<br> **and Buffer**<br>| **1 Year**<br> **Contingent**<br> **Yield**<br> **and Trigger**<br>|
| *Hypothetical $1000* <br> *Investment*<br> *With 10% Return*<sup>2</sup><br>| $1000.00  | $1000.00  | $1000.00  | $1000.00  | $1000.00  | $1000.00 | $1000.00  | $1000.00  |
| *Segment Value*<br> *Less Hypothetical* <br> *Investment*<br>| -$72.50 | -$16.88 | -$29.77 | $5.05 | -$13.94 | -$72.50 | -$85.00 | -$70.00 |

---

**B. -10% Index Return and no change in Interest Rates Scenario** 

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Example Number** | **#1** | **#2** | **#3** | **#4** | **#5** | **#6** | **#7** | **#8** |
| **Segment Type** | **1 Year Cap and**<br> **Buffer**<br>| **3 Year Cap and**<br> **Buffer**<br>| **6 Year Cap and**<br> **Buffer**<br>| **6 Year Cap and**<br> **Buffer**<br>| **1 Year**<br> **Annual**<br> **Fee**<br>| **3 Year**<br> **Annual**<br> **Lock**<br>| **1 Year**<br> **Contingent**<br> **Yield**<br> **and Buffer**<br>| **1 Year**<br> **Contingent**<br> **Yield**<br> **and Trigger**<br>|
| *Hypothetical Value of* <br> *Derivatives*<br> *Excluding Transaction* <br> *Costs*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -4.14% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -1.43% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.16% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.62% | &nbsp;&nbsp;&nbsp;&nbsp; -3.10% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -2.97% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -3.23% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.82% |
| *Less Estimated* <br> *Transaction Costs*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.15% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.30% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.05% | &nbsp;&nbsp;&nbsp;&nbsp; 0.10% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.55% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.75% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.50% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1. Hypothetical Value of <br> Derivatives<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -4.29% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -1.73% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.16% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.57% | &nbsp;&nbsp;&nbsp;&nbsp; -3.20% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -3.52% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -3.98% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.32% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2. Hypothetical Value of <br> Fixed Assets<br>| &nbsp;&nbsp;&nbsp;&nbsp; 99.57% | &nbsp;&nbsp;&nbsp;&nbsp; 98.63% | &nbsp;&nbsp;&nbsp;&nbsp; 91.45% | &nbsp;&nbsp;&nbsp;&nbsp; 99.55% | &nbsp;&nbsp; 98.39% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 98.47% | &nbsp;&nbsp;&nbsp;&nbsp; 99.61% | &nbsp;&nbsp;&nbsp;&nbsp; 98.72% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3. Present Value of <br> Annual Fees<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp; 1.48% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4. Proxy Value = #1 + #2 <br> - #3<br>| &nbsp;&nbsp;&nbsp;&nbsp; 95.28% | &nbsp;&nbsp;&nbsp;&nbsp; 96.90% | &nbsp;&nbsp;&nbsp;&nbsp; 94.62% | &nbsp;&nbsp;&nbsp; 100.12% | &nbsp;&nbsp; 93.71% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 94.95% | &nbsp;&nbsp;&nbsp;&nbsp; 95.64% | &nbsp;&nbsp;&nbsp; 100.04% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5. Prorated Cap or <br> Contingent Yield <br>| &nbsp;&nbsp; 102.75% | &nbsp;&nbsp; 115.00% | &nbsp;&nbsp; 116.67% | &nbsp;&nbsp;&nbsp; 195.83% | No Cap | &nbsp;&nbsp; 102.75%¹ | &nbsp;&nbsp; 101.50% | &nbsp;&nbsp;&nbsp; 103.00% |
| **6.Segment Value =** <br> **Investment Base \***<br> **Lesser of #4 and #5**<br>| **$952.79** | **$969.01** | **$946.15** | **$1001.24** | **$937.06** | **$949.48** | **$956.38** | **$1000.43** |
| *Hypothetical $1000* <br> *Investment*<br> *With -10% Return*<sup>2</sup><br>| *$900.00* | *$900.00* | *$900.00* | *$900.00* | *$900.00* | *$900.00* | *$900.00* | *$900.00* |
| *Segment Value*<br> *Less Hypothetical* <br> *Investment*<br>| *$52.79* | *$69.01* | *$46.15* | *$101.24* | *$37.06* | *$49.48* | *$56.38* | *$100.43* |
| **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7. Partial Surrender <br> Amount<br>| $100 | $100 | $100 | $100 | $100 | $100 | $100 | $100 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8. Proportionate <br> Adjustment to <br> Investment Base =<br> Investment Base \* <br> (#7 / #6)<br>| $104.95 | $103.20 | $105.69 | $99.88 | $106.72 | $105.32 | $104.56 | $99.96 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9. Investment Base After <br> Partial Surrender =<br> Investment Base - #8<br>| $895.05  | $896.80  | $894.31  | $900.12  | $893.28  | $894.68  | $895.44  | $900.04  |
| **10.Segment Value After** <br> **Partial Surrender =** <br> **#9 \***<br> **Lesser of #4 and #5**<br>| **$852.79** | **$869.01** | **$846.15** | **$901.24** | **$837.06** | **$849.48** | **$856.38** | **$900.43** |
| *Hypothetical $1000* <br> *Investment*<br> *With -10% Return*<sup>2</sup><br>| *$800.00* | *$800.00* | *$800.00* | *$800.00* | *$800.00* | *$800.00* | *$800.00* | *$800.00* |
| *Segment Value*<br> *Less Hypothetical* <br> *Investment*<br>| *$52.79* | *$69.01* | *$46.15* | *$101.24* | *$37.06* | *$49.48* | *$56.38* | *$100.43* |

---

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

**C. 30% Index Return and no change in Interest Rates Scenario** 

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Example Number** | **#1** | **#2** | **#3** | **#4** | **#5** | **#6** | **#7** | **#8** |
| **Segment Type** | **1 Year Cap and**<br> **Buffer**<br>| **3 Year Cap and**<br> **Buffer**<br>| **6 Year Cap and**<br> **Buffer**<br>| **6 Year Cap and**<br> **Buffer**<br>| **1 Year**<br> **Annual**<br> **Fee**<br>| **3 Year**<br> **Annual**<br> **Lock**<br>| **1 Year**<br> **Contingent**<br> **Yield**<br> **and Buffer**<br>| **1 Year**<br> **Contingent**<br> **Yield**<br> **and Trigger**<br>|
| *Hypothetical* <br> *Value of* <br> *Derivatives*<br> *Excluding* <br> *Transaction* <br> *Costs*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.29% | &nbsp;&nbsp;&nbsp;&nbsp; 18.56% | &nbsp;&nbsp;&nbsp;&nbsp; 28.34% | &nbsp;&nbsp;&nbsp;&nbsp; 29.99% | &nbsp;&nbsp;&nbsp;&nbsp; 30.12% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10.42% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.66% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.92% |
| *Less Estimated* <br> *Transaction* <br> *Costs*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.15% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.30% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.05% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.10% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.55% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.75% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.50% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1. Hypothetical <br> Value of <br> Derivatives<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.14% | &nbsp;&nbsp;&nbsp;&nbsp; 18.26% | &nbsp;&nbsp;&nbsp;&nbsp; 27.34% | &nbsp;&nbsp;&nbsp;&nbsp; 29.94% | &nbsp;&nbsp;&nbsp;&nbsp; 30.02% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.87% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.91% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.42% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2. Hypothetical <br> Value of Fixed <br> Assets<br>| &nbsp;&nbsp;&nbsp;&nbsp; 99.57% | &nbsp;&nbsp;&nbsp;&nbsp; 98.63% | &nbsp;&nbsp;&nbsp;&nbsp; 91.45% | &nbsp;&nbsp;&nbsp;&nbsp; 99.55% | &nbsp;&nbsp;&nbsp;&nbsp; 98.39% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 98.47% | &nbsp;&nbsp;&nbsp;&nbsp; 99.61% | &nbsp;&nbsp;&nbsp;&nbsp; 98.72% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3. Present Value of <br> Annual Fees<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.48% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4. Proxy Value = #1 <br> + #2 - #3<br>| &nbsp;&nbsp;&nbsp; 108.70% | &nbsp;&nbsp;&nbsp; 116.90% | &nbsp;&nbsp;&nbsp; 118.80% | &nbsp;&nbsp;&nbsp; 129.49% | &nbsp;&nbsp;&nbsp; 126.92% | &nbsp;&nbsp;&nbsp; 108.35% | &nbsp;&nbsp;&nbsp; 104.52% | &nbsp;&nbsp;&nbsp; 104.14% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5. Prorated Cap or <br> Contingent Yield <br>| &nbsp;&nbsp;&nbsp; 102.75% | &nbsp;&nbsp;&nbsp; 115.00% | &nbsp;&nbsp;&nbsp; 116.67% | &nbsp;&nbsp;&nbsp; 195.83% | No Cap | &nbsp;&nbsp; 102.75%¹ | &nbsp;&nbsp;&nbsp; 101.50% <br>| &nbsp;&nbsp;&nbsp; 103.00% <br>|
| **6.Segment Value** <br> **= Investment** <br> **Base \***<br> **Lesser of #4 and** <br> **#5**<br>| **$1027.50** | **$1150.00** | **$1166.67** | **$1294.94** | **$1269.22** | **$1027.50** | **$1015.00** | **$1030.00** |
| *Hypothetical $1000* <br> *Investment*<br> *With 30% Return*<sup>2</sup><br>| *$1300.00* | *$1300.00* | *$1300.00* | *$1300.00* | *$1300.00* | *$1300.00* | *$1300.00* | *$1300.00* |
| *Segment Value*<br> *Less Hypothetical* <br> *Investment*<br>| *-$272.50* | *-$150.00* | *-$133.33* | *-$5.06* | *-$30.78* | *-$272.50* | *-$285.00* | *-$270.00* |
| **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7. Partial Surrender <br> Amount<br>| $100  | $100  | $100  | $100  | $100  | $100  | $100  | $100  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8. Proportionate <br> Adjustment to <br> Investment Base <br> =<br> Investment Base <br> \* (#7 / #6)<br>| $97.32 | $86.96 | $85.71 | $77.22 | $78.79 | $97.32 | $98.52 | $97.09 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9. Investment Base <br> After Partial <br> Surrender =<br> Investment Base <br> - #8<br>| $902.68  | $913.04  | $914.29  | $922.78  | $921.21  | $902.68  | $901.48  | $902.91  |
| **10.Segment Value** <br> **After Partial** <br> **Surrender = #9** <br> **\***<br> **Lesser of #4** <br> **and #5**<br>| **$927.50** | **$1050.00** | **$1066.67** | **$1194.94** | **$1169.22** | **$927.50** | **$915.00** | **$930.00** |
| *Hypothetical $1000* <br> *Investment*<br> *With 30% Return*<sup>2</sup><br>| *$1200.00* | *$1200.00* | *$1200.00* | *$1200.00* | *$1200.00* | *$1200.00* | *$1200.00* | *$1200.00* |
| *Segment Value*<br> *Less Hypothetical* <br> *Investment*<br>| *-$272.50* | *-$150.00* | *-$133.33* | *-$5.06* | *-$30.78* | *-$272.50* | *-$285.00* | *-$270.00* |

---

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

**D. -30% Index Return and no change in Interest Rates Scenario** 

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Example Number** | **#1** | **#2** | **#3** | **#4** | **#5** | **#6** | **#7** | **#8** |
| **Segment Type** | **1 Year Cap and**<br> **Buffer**<br>| **3 Year Cap and**<br> **Buffer**<br>| **6 Year Cap and**<br> **Buffer**<br>| **6 Year Cap and**<br> **Buffer**<br>| **1 Year**<br> **Annual**<br> **Fee**<br>| **3 Year**<br> **Annual**<br> **Lock**<br>| **1 Year**<br> **Contingent**<br> **Yield**<br> **and Buffer**<br>| **1 Year**<br> **Contingent**<br> **Yield**<br> **and Trigger**<br>|
| *Hypothetical Value* <br> *of Derivatives*<br> *Excluding* <br> *Transaction Costs*<br>| &nbsp;&nbsp;&nbsp;&nbsp; -19.74% | &nbsp;&nbsp;&nbsp;&nbsp; -15.64% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -8.73% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -5.95% | &nbsp;&nbsp; -19.73% | &nbsp;&nbsp;&nbsp;&nbsp; -18.16% | &nbsp;&nbsp;&nbsp;&nbsp; -19.48% | &nbsp;&nbsp;&nbsp;&nbsp; -23.03% |
| *Less Estimated* <br> *Transaction Costs*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.15% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.30% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.05% | &nbsp;&nbsp;&nbsp;&nbsp; 0.10% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.55% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.75% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.50% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1. Hypothetical Value <br> of Derivatives<br>| &nbsp;&nbsp;&nbsp;&nbsp; -19.89% | &nbsp;&nbsp;&nbsp;&nbsp; -15.94% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -9.73% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -6.00% | &nbsp;&nbsp; -19.83% | &nbsp;&nbsp;&nbsp;&nbsp; -18.71% | &nbsp;&nbsp;&nbsp;&nbsp; -20.23% | &nbsp;&nbsp;&nbsp;&nbsp; -23.53% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2. Hypothetical Value <br> of Fixed Assets<br>| &nbsp;&nbsp;&nbsp;&nbsp; 99.57% | &nbsp;&nbsp;&nbsp;&nbsp; 98.63% | &nbsp;&nbsp;&nbsp;&nbsp; 91.45% | &nbsp;&nbsp;&nbsp;&nbsp; 99.55% | &nbsp;&nbsp;&nbsp; 98.39% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 98.47% | &nbsp;&nbsp;&nbsp;&nbsp; 99.61% | &nbsp;&nbsp;&nbsp;&nbsp; 98.72% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3. Present Value of <br> Annual Fees<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp; 1.48% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4. Proxy Value = #1 + <br> #2 - #3<br>| &nbsp;&nbsp;&nbsp;&nbsp; 79.67% | &nbsp;&nbsp;&nbsp;&nbsp; 82.69% | &nbsp;&nbsp;&nbsp;&nbsp; 81.73% | &nbsp;&nbsp;&nbsp;&nbsp; 93.55% | &nbsp;&nbsp;&nbsp; 77.08% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 79.76% | &nbsp;&nbsp;&nbsp;&nbsp; 79.39% | &nbsp;&nbsp;&nbsp;&nbsp; 75.19% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5. Prorated Cap or <br> Contingent Yield <br>| &nbsp;&nbsp; 102.75% | &nbsp;&nbsp; 115.00% | &nbsp;&nbsp; 116.67% | &nbsp;&nbsp; 195.83% | No Cap | &nbsp;&nbsp; 102.75%¹ | &nbsp;&nbsp; 101.50% | &nbsp;&nbsp; 103.00% |
| **6.Segment Value =** <br> **Investment Base** <br> **\***<br> **Lesser of #4 and** <br> **#5**<br>| **$796.73** | **$826.95** | **$817.28** | **$935.54** | **$770.75** | **$797.64** | **$793.89** | **$751.94** |
| *Hypothetical $1000* <br> *Investment*<br> *With -30% Return*<sup>2</sup><br>| *$700.00* | *$700.00* | *$700.00* | *$700.00* | *$700.00* | *$700.00* | *$700.00* | *$700.00* |
| *Segment Value*<br> *Less Hypothetical* <br> *Investment*<br>| *$96.73* | *$126.95* | *$117.28* | *$235.54* | *$70.75* | *$97.64* | *$93.89* | *$51.94* |
| **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7. Partial Surrender <br> Amount<br>| $100  | $100  | $100  | $100  | $100  | $100  | $100  | $100  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8. Proportionate <br> Adjustment to <br> Investment Base =<br> Investment Base \* <br> (#7 / #6)<br>| $125.51 | $120.93 | $122.36 | $106.89 | $129.74 | $125.37 | $125.96 | $132.99  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9. Investment Base <br> After Partial <br> Surrender =<br> Investment Base - <br> #8<br>| $874.49  | $879.07  | $877.64  | $893.11  | $870.26  | $874.63  | $874.04  | $867.01  |
| **10.Segment Value** <br> **After Partial** <br> **Surrender = #9 \***<br> **Lesser of #4 and** <br> **#5**<br>| **$696.73** | **$726.95** | **$717.28** | **$835.54** | **$670.75** | **$697.64** | **$693.89** | **$651.94** |
| *Hypothetical $1000* <br> *Investment*<br> *With -30% Return*<sup>2</sup><br>| *$600.00* | *$600.00* | *$600.00* | *$600.00* | *$600.00* | *$600.00* | *$600.00* | *$600.00* |
| *Segment Value*<br> *Less Hypothetical* <br> *Investment*<br>| *$96.73* | *$126.95* | *$117.28* | *$235.54* | *$70.75* | *$97.64* | *$93.89* | *$51.94* |

---

**E. 10% Index Return and 1% increase in Interest Rates Scenario** 

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Example Number** | **#1** | **#2** | **#3** | **#4** | **#5** | **#6** | **#7** | **#8** |
| **Segment Type** | **1 Year Cap and**<br> **Buffer**<br>| **3 Year Cap and**<br> **Buffer**<br>| **6 Year Cap and**<br> **Buffer**<br>| **6 Year Cap and**<br> **Buffer**<br>| **1 Year**<br> **Annual**<br> **Fee**<br>| **3 Year**<br> **Annual**<br> **Lock**<br>| **1 Year**<br> **Contingent**<br> **Yield**<br> **and Buffer**<br>| **1 Year**<br> **Contingent**<br> **Yield**<br> **and Trigger**<br>|
| *Hypothetical Value of* <br> *Derivatives*<br> *Excluding* <br> *Transaction Costs*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.39% | &nbsp;&nbsp;&nbsp;&nbsp; 10.65% | &nbsp;&nbsp;&nbsp;&nbsp; 19.00% | &nbsp;&nbsp;&nbsp;&nbsp; 11.21% | &nbsp;&nbsp;&nbsp;&nbsp; 12.20% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.29% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.16% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.76% |

---

------

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Example Number** | **#1** | **#2** | **#3** | **#4** | **#5** | **#6** | **#7** | **#8** |
| **Segment Type** | **1 Year Cap and**<br> **Buffer**<br>| **3 Year Cap and**<br> **Buffer**<br>| **6 Year Cap and**<br> **Buffer**<br>| **6 Year Cap and**<br> **Buffer**<br>| **1 Year**<br> **Annual**<br> **Fee**<br>| **3 Year**<br> **Annual**<br> **Lock**<br>| **1 Year**<br> **Contingent**<br> **Yield**<br> **and Buffer**<br>| **1 Year**<br> **Contingent**<br> **Yield**<br> **and Trigger**<br>|
| Less Estimated <br> Transaction Costs<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.15% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.30% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.05% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.10% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.55% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.75% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.50% |
| 1. Hypothetical Value of <br> Derivatives<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.24% | &nbsp;&nbsp;&nbsp;&nbsp; 10.35% | &nbsp;&nbsp;&nbsp;&nbsp; 18.00% | &nbsp;&nbsp;&nbsp;&nbsp; 11.16% | &nbsp;&nbsp;&nbsp;&nbsp; 12.10% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.74% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.41% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.26% |
| 2. Hypothetical Value of <br> Fixed Assets<br>| &nbsp;&nbsp;&nbsp;&nbsp; 98.73% | &nbsp;&nbsp;&nbsp;&nbsp; 96.62% | &nbsp;&nbsp;&nbsp;&nbsp; 86.72% | &nbsp;&nbsp;&nbsp;&nbsp; 98.38% | &nbsp;&nbsp;&nbsp;&nbsp; 97.71% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 95.76% | &nbsp;&nbsp;&nbsp;&nbsp; 98.78% | &nbsp;&nbsp;&nbsp;&nbsp; 98.05% |
| 3. Present Value of <br> Annual Fees<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.47% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% |
| 4. Proxy Value = #1 + <br> #2 - #3<br>| &nbsp;&nbsp;&nbsp; 103.97% | &nbsp;&nbsp;&nbsp; 106.97% | &nbsp;&nbsp;&nbsp; 104.71% | &nbsp;&nbsp;&nbsp; 109.53% | &nbsp;&nbsp;&nbsp; 108.34% | &nbsp;&nbsp;&nbsp;&nbsp; 102.51% | &nbsp;&nbsp;&nbsp; 102.19% | &nbsp;&nbsp;&nbsp; 103.31% |
| 5. Prorated Cap or <br> Contingent Yield<br>| &nbsp;&nbsp;&nbsp; 102.75% | &nbsp;&nbsp;&nbsp; 115.00% | &nbsp;&nbsp;&nbsp; 116.67% | &nbsp;&nbsp;&nbsp; 195.83% | No Cap | &nbsp;&nbsp; 102.75%<sup>1</sup> <br>| &nbsp;&nbsp;&nbsp; 101.50% | &nbsp;&nbsp;&nbsp; 103.00% |
| **6. Segment Value =** <br> **Investment Base \*** <br> **Lesser of #4 and #5**<br>| **$1027.50** | **$1069.72** | **$1047.14** | **$1095.33** | **$1083.41** | **$1025.05** | **$1015.00** | **$1030.00** |
| *Hypothetical $1000* <br> *Investment With 10%* <br> *Return*<sup>2</sup><br>| *$1100.00* | *$1100.00* | *$1100.00* | *$1100.00* | *$1100.00* | *$1100.00* | *$1100.00* | *$1100.00* |
| *Segment Value Less* <br> *Hypothetical Investment*<br>| -$72.50 | -$30.28 | -$52.86 | -$4.67 | -$16.59 | -$74.95 | -$85.00 | -$70.00 |
| **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7. Partial Surrender <br> Amount<br>| $100  | $100  | $100  | $100  | $100  | $100  | $100  | $100  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8. Proportionate <br> Adjustment to <br> Investment Base =<br> Investment Base \* <br> (#7 / #6)<br>| $97.32 | $93.48 | $95.50 | $91.30 | $92.30 | $97.56 | $98.52 | $97.09 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9. Investment Base <br> After Partial <br> Surrender =<br> Investment Base - <br> #8<br>| $902.68  | $906.52  | $904.50  | $908.70  | $907.70  | $902.44  | $901.48  | $902.91  |
| **10.Segment Value** <br> **After Partial** <br> **Surrender = #9 \***<br> **Lesser of #4 and** <br> **#5**<br>| **$927.50** | **$969.72** | **$947.14** | **$995.33** | **$983.41** | **$925.05** | **$915.00** | **$930.00** |
| *Hypothetical $1000* <br> *Investment*<br> *With -10% Return*<sup>2</sup><br>| *$1000.00* | *$1000.00* | *$1000.00* | *$1000.00* | *$1000.00* | *$1000.00* | *$1000.00* | *$1000.00* |
| *Segment Value*<br> *Less Hypothetical* <br> *Investment*<br>| *-$72.50* | *-$30.28* | *-$52.86* | *-$4.67* | *-$16.59* | *-$74.95* | *-$85.00* | *-$70.00* |

---

**F. -10% Index Return and 1% decrease in Interest Rates Scenario** 

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Example Number** | **#1** | **#2** | **#3** | **#4** | **#5** | **#6** | **#7** | **#8** |
| **Segment Type** | **1 Year Cap and**<br> **Buffer**<br>| **3 Year Cap and**<br> **Buffer**<br>| **6 Year Cap and**<br> **Buffer**<br>| **6 Year Cap and**<br> **Buffer**<br>| **1 Year**<br> **Annual**<br> **Fee**<br>| **3 Year**<br> **Annual**<br> **Lock**<br>| **1 Year**<br> **Contingent**<br> **Yield**<br> **and Buffer**<br>| **1 Year**<br> **Contingent**<br> **Yield**<br> **and Trigger**<br>|
| *Hypothetical Value of* <br> *Derivatives*<br> *Excluding* <br> *Transaction Costs*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.93% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.28% | &nbsp;&nbsp;&nbsp;&nbsp; 13.97% | &nbsp;&nbsp;&nbsp;&nbsp; 10.80% | &nbsp;&nbsp;&nbsp;&nbsp; 11.40% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.06% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.94% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.79% |
| Less Estimated <br> Transaction Costs<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.15% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.30% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.05% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.10% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.55% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.75% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.50% |
| 1. Hypothetical Value of <br> Derivatives<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.78% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8.98% | &nbsp;&nbsp;&nbsp;&nbsp; 12.97% | &nbsp;&nbsp;&nbsp;&nbsp; 10.75% | &nbsp;&nbsp;&nbsp;&nbsp; 11.30% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.51% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.19% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.29% |
| 2. Hypothetical Value of <br> Fixed Assets<br>| &nbsp;&nbsp;&nbsp; 100.42% | &nbsp;&nbsp;&nbsp; 100.71% | &nbsp;&nbsp;&nbsp;&nbsp; 96.50% | &nbsp;&nbsp;&nbsp; 100.76% | &nbsp;&nbsp;&nbsp;&nbsp; 99.07% | &nbsp;&nbsp;&nbsp;&nbsp; 101.28% | &nbsp;&nbsp;&nbsp; 100.46% | &nbsp;&nbsp;&nbsp;&nbsp; 99.41% |
| 3. Present Value of <br> Annual Fees<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.49% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00% |

---

------

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Example Number** | **#1** | **#2** | **#3** | **#4** | **#5** | **#6** | **#7** | **#8** |
| **Segment Type** | **1 Year Cap and**<br> **Buffer**<br>| **3 Year Cap and**<br> **Buffer**<br>| **6 Year Cap and**<br> **Buffer**<br>| **6 Year Cap and**<br> **Buffer**<br>| **1 Year**<br> **Annual**<br> **Fee**<br>| **3 Year**<br> **Annual**<br> **Lock**<br>| **1 Year**<br> **Contingent**<br> **Yield**<br> **and Buffer**<br>| **1 Year**<br> **Contingent**<br> **Yield**<br> **and Trigger**<br>|
| 4. Proxy Value = #1 + <br> #2 - #3<br>| &nbsp;&nbsp;&nbsp; 105.20% | &nbsp;&nbsp;&nbsp; 109.68% | &nbsp;&nbsp;&nbsp; 109.47% | &nbsp;&nbsp;&nbsp; 111.50% | &nbsp;&nbsp;&nbsp; 108.88% | &nbsp;&nbsp;&nbsp;&nbsp; 105.79% | &nbsp;&nbsp;&nbsp; 103.65% | &nbsp;&nbsp;&nbsp; 104.69% |
| 5. Prorated Cap or <br> Contingent Yield<br>| &nbsp;&nbsp;&nbsp; 102.75% | &nbsp;&nbsp;&nbsp; 115.00% | &nbsp;&nbsp;&nbsp; 116.67% | &nbsp;&nbsp;&nbsp; 195.83% | No Cap | &nbsp;&nbsp; 102.75%<sup>1</sup> <br>| &nbsp;&nbsp;&nbsp; 101.50% | &nbsp;&nbsp;&nbsp; 103.00% |
| **6. Segment Value =** <br> **Investment Base \*** <br> **Lesser of #4 and #5**<br>| **$1027.50** | **$1096.84** | **$1094.68** | **$1115.05** | **$1088.84** | **$1027.50** | **$1015.00** | **$1030.00** |
| *Hypothetical $1000* <br> *Investment With 10%* <br> *Return*<sup>2</sup><br>| $1100.00  | $1100.00  | $1100.00  | $1100.00  | $1100.00  | $1100.00 | $1100.00  | $1100.00  |
| *Segment Value Less* <br> *Hypothetical Investment*<br>| -$72.50 | -$3.16 | -$5.32 | $15.05 | -$11.16 | -$72.50 | -$85.00 | -$70.00 |
| **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** | **Impact to Values Due to Partial Surrender** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7. Partial Surrender <br> Amount<br>| $100  | $100  | $100  | $100  | $100  | $100  | $100  | $100  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8. Proportionate <br> Adjustment to <br> Investment Base =<br> Investment Base \* <br> (#7 / #6)<br>| $97.32 | $91.17 | $91.35 | $89.68 | $91.84 | $97.32 | $98.52 | $97.09 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9. Investment Base <br> After Partial <br> Surrender =<br> Investment Base - <br> #8<br>| $902.68  | $908.83  | $908.65  | $910.32  | $908.16  | $902.68  | $901.48  | $902.91  |
| **10.Segment Value** <br> **After Partial** <br> **Surrender = #9 \***<br> **Lesser of #4 and** <br> **#5**<br>| $927.50 | $996.84 | $994.68 | $1015.05  | $988.84 | $927.50 | $915.00 | $930.00 |
| *Hypothetical $1000* <br> *Investment*<br> *With -10% Return*<sup>2</sup><br>| $1000.00  | $1000.00  | $1000.00  | $1000.00  | $1000.00  | $1000.00 | $1000.00  | $1000.00  |
| *Segment Value*<br> *Less Hypothetical* <br> *Investment*<br>| -$72.50 | -$3.16 | -$5.32 | $15.05 | -$11.16 | -$72.50 | -$85.00 | -$70.00 |

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<sup>(1)</sup>

The Prorated Cap for the Annual Lock segment is equal to one plus the Cap prorated for the number of Days since the last Contract Anniversary, multiplied by one plus the Cumulative Annual Lock Return

<sup>(2)</sup>

Assumes a hypothetical investment with a rate of return that mirrors hypothetical Index returns of 10%, -10%, 30%, and -30%. You cannot invest directly in an Index. This hypothetical investment does not represent any Structured Solutions annuity features such as a Cap, Contingent Yield Upside Participation Rate, Annual Fee, Buffer, Floor or Trigger. Such a hypothetical investment may not be available in the market.

**THIS SUPPLEMENT SHOULD BE READ AND RETAINED FOR FUTURE REFERENCE.**

**__________________ (4/23)**

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PART II.

INFORMATION NOT REQUIRED IN PROSPECTUS

**Item 14. Other Expenses of Issuance and Distribution** The following is an itemized list of the estimated expenses to be incurred in connection with the issuance and distribution of the securities being offered:

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| | |
|:---|:---|
| Registration Fee: | $463500 |
| Printing and Filing Expenses: | $3,000\* |
| Legal Fees and Expenses: | N/A |
| Audit Fees: | $____\*_ |
| Accounting Fees and Expenses: | N/A |

---

\*Estimated expense.

**Item 15. Indemnification of Directors and Officers** 

The amended and restated By-Laws of the depositor provide that the depositor will indemnify, to the fullest extent now or hereafter provided for or permitted by law, each person involved in, or made or threatened to be made a party to, any action, suit, claim or proceeding, whether civil or criminal, including any investigative, administrative, legislative, or other proceeding, and including any action by or in the right of the depositor or any other corporation, or any partnership, joint venture, trust, employee benefit plan, or other enterprise (any such entity, other than the depositor, being hereinafter referred to as an "Enterprise"), and including appeals therein (any such action or process being hereinafter referred to as a "Proceeding"), by reason of the fact that such person, such person's testator or intestate (i) is or was a director or officer of the depositor, or (ii) is or was serving, at the request of the depositor, as a director, officer, or in any other capacity, or any other Enterprise, against any and all judgments, amounts paid in settlement, and expenses, including attorney's fees, actually and reasonably incurred as a result of or in connection with any Proceeding, except as provided below.

No indemnification will be made to or on behalf of any such person if a judgment or other final adjudication adverse to such person establishes that such person's acts were committed in bad faith or were the result of active and deliberate dishonesty and were material to the cause of action so adjudicated, or that such person personally gained in fact a financial profit or other advantage to which such person was not legally entitled. In addition, no indemnification will be made with respect to any Proceeding initiated by any such person against the depositor, or a director or officer of the depositor, other than to enforce the terms of this indemnification provision, unless such Proceeding was authorized by the Board of Directors of the depositor. Further, no indemnification will be made with respect to any settlement or compromise of any Proceeding unless and until the depositor has consented to such settlement or compromise.

The depositor may, from time to time, with the approval of the Board of Directors, and to the extent authorized, grant rights to indemnification, and to the advancement of expenses, to any employee or agent of the depositor or to any person serving at the request of the depositor as a director or officer, or in any other capacity, of any other Enterprise, to the fullest extent of the provisions with respect to the indemnification and advancement of expenses of directors and officers of the depositor.

Insofar as indemnification for liability arising under the Securities Act of 1933 (the "Act") may be permitted to directors, officers and controlling persons of the depositor or the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.

**Item 16. Exhibits** 

See the Exhibit Index immediately preceding the signature page to this registration statement for a list of exhibits filed as part of this registration statement, which Exhibit Index is incorporated herein by reference.

**Item 17. Undertakings** 

(a) The undersigned registrant hereby undertakes:

(1) to file, during any period in which offers or sales are being made, a post-effective amendment to this Registration Statement:

(i)to include any prospectus required by Section 10(a)(3) of the Securities Act of 1933;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) to reflect in the prospectus any facts or events arising after the effective date of the Registration Statement (or the most recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the Registration Statement. Notwithstanding the foregoing, any increase or decrease in volume of securities offered (if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of prospectus filed with the Commission pursuant to Rule 424(b) if, in the aggregate, the changes in volume and price represent no more than 20% change in the maximum aggregate offering price set forth in the "Calculation of Registration Fee" table in the effective registration statement;

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) to include any material information with respect to the plan of distribution not previously disclosed in the Registration Statement or any material change to such information in the Registration Statement, provided, however, that paragraphs (a)(1)(i), (a)(1)(ii) and (a)(1)(iii) do not apply if the information required to be included in a post-effective amendment by those paragraphs is contained in periodic reports filed with or furnished to the Commission by the registrant pursuant to Section 13 or 15(d) of the Securities Act of 1934 that are incorporated by reference in the registration statement, or is contained in a form of prospectus filed pursuant to Rule 424(b) that is part of this Registration Statement;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) that, for the purpose of determining any liability under the Securities Act of 1933, each such post-effective amendment shall be deemed to be a new Registration Statement relating to the securities offered therein, and the offering of such securities at that time may be deemed to be the initial bona fide offering thereof;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) to remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the termination of the offering; and

(4)That, for the purpose of determining liability under the Securities Act of 1933 to any purchaser, each prospectus filed pursuant to Rule 424(b) as part of a registration statement relating to an offering, other than registration statements relying on Rule 430B or other than prospectuses filed in reliance on Rule 430A, shall be deemed to be part of and included in the registration statement as of the date it is first used after effectiveness. Provided, however, that no statement made in a registration statement or prospectus that is part of the registration statement or made in a document incorporated or deemed incorporated by reference into the registration statement or prospectus that is part of the registration statement will, as to a purchaser with a time of contract of sale prior to such first use, supersede or modify any statement that was made in the registration statement or prospectus that was part of the registration statement or made in any such document immediately prior to such date of first use. registration statement or prospectus that was part of the registration statement or made in any such document immediately prior to such date of first use.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5) That, for the purpose of determining liability of the Registrant under the Securities Act of 1933 to any purchaser in the initial distribution of the securities: The undersigned Registrant undertakes that in a primary offering of securities of the undersigned Registrant pursuant to this registration statement, regardless of the underwriting method used to sell the securities to the purchaser, if the securities are offered or sold to such purchaser by means of any of the following communications, the undersigned Registrant will be a seller to the purchaser and will be considered to offer or sell such securities to such purchaser: (i) Any preliminary prospectus or prospectus of the undersigned Registrant relating to the offering required to be filed pursuant to Rule 424; (ii) Any free writing prospectus relating to the offering prepared by or on behalf of the undersigned Registrant or used or referred to by the undersigned Registrant; (iii) The portion of any other free writing prospectus relating to the offering containing material information about the undersigned Registrant or its securities provided by or on behalf of the undersigned Registrant; and (iv) Any other communication that is an offer in the offering made by the undersigned Registrant to the purchaser.

(b) The undersigned registrant hereby undertakes that, for purposes of determining any liability under the Securities Act of 1933, each filing of the registrant's annual report pursuant to Section 13(a) or Section 15(d) of the Securities Exchange Act of 1934 that is incorporated by reference in the registration statement shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.

(c) Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.

**EXHIBIT INDEX** 

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| | |
|:---|:---|
| **Exhibit**<br> **No.** <br>| **Description**  |
| 1. | &nbsp;&nbsp; [Principal Underwriter Agreement for RiverSource Life Insurance Company Variable Annuities and Variable Life Insurance Between](http://www.sec.gov/Archives/edgar/data/926266/000106880007000037/ex3p1_pua.txt)<br> [RiverSource Distributors, Inc. and RiverSource Life Insurance Company, filed as Exhibit 3.1 to the Initial Registration Statement on](http://www.sec.gov/Archives/edgar/data/926266/000106880007000037/ex3p1_pua.txt)<br> [Form N-4 for RiverSource Variable Annuity Account, File No. 333-139760 on January 3, 2007, is incorporated by reference.](http://www.sec.gov/Archives/edgar/data/926266/000106880007000037/ex3p1_pua.txt)<br>|
| 2.1 | &nbsp;&nbsp; [Articles of Merger of IDS Life Insurance Company and American Enterprise Life Insurance Company dated March 16, 2006, filed as](http://www.sec.gov/Archives/edgar/data/727892/000106880007001031/artmerg_idsl-ael.txt)<br> [Exhibit 2.1 to Post-Effective Amendment No. 8 to the Registration Statement on Form S-1 for RiverSource Life Insurance Company,](http://www.sec.gov/Archives/edgar/data/727892/000106880007001031/artmerg_idsl-ael.txt)<br> [File No. 333-114888, on April 27, 2007, is incorporated by reference.](http://www.sec.gov/Archives/edgar/data/727892/000106880007001031/artmerg_idsl-ael.txt)<br>|
| 2.2 | &nbsp;&nbsp; [Articles of Merger of IDS Life Insurance Company and American Partners Life Insurance Company dated March 17, 2006, filed as](http://www.sec.gov/Archives/edgar/data/727892/000106880007001031/artmerg_idsl-apl.txt)<br> [Exhibit 2.2 to Post-Effective Amendment No. 8 to the Registration Statement on Form S-1 for RiverSource Life Insurance Company,](http://www.sec.gov/Archives/edgar/data/727892/000106880007001031/artmerg_idsl-apl.txt)<br> [File No. 333-114888, on April 27, 2007, is incorporated by reference.](http://www.sec.gov/Archives/edgar/data/727892/000106880007001031/artmerg_idsl-apl.txt)<br>|
| 3.1 | &nbsp;&nbsp; [Copy of Certificate of Incorporation of IDS Life Insurance Company filed as Exhibit 3.1 to Post-Effective Amendment No. 5 to the](http://www.sec.gov/Archives/edgar/data/727892/0000820027-94-000185.txt)<br> [Registration Statement on Form S-1 for IDS Life Insurance Company, File No. 33-28976, on April 6, 1994, is incorporated herein by](http://www.sec.gov/Archives/edgar/data/727892/0000820027-94-000185.txt)<br> [reference.(See Exhibit 3.1 to Form S-1 Registration Statement filed with the SEC on 4/31/1994.)](http://www.sec.gov/Archives/edgar/data/727892/0000820027-94-000185.txt)<br>|

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| | |
|:---|:---|
| 3.2 | &nbsp;&nbsp; [Copy of Certificate of Amendment of Certificate of Incorporation of IDS Life Insurance Company dated June 22, 2006, filed as](http://www.sec.gov/Archives/edgar/data/768836/000106880007000043/vul3-4_exfp1.txt)<br> [Exhibit 27(f)(1) to Post-Effective Amendment No. 28 to the Registration Statement on Form N-6 for RiverSource Variable Life Separate](http://www.sec.gov/Archives/edgar/data/768836/000106880007000043/vul3-4_exfp1.txt)<br> [Account, File No. 333-69777, on January 3, 2007, is incorporated by reference.](http://www.sec.gov/Archives/edgar/data/768836/000106880007000043/vul3-4_exfp1.txt)<br>|
| 3.3 | &nbsp;&nbsp; [Copy of Amended and Restated By-Laws of RiverSource Life Insurance Company filed as Exhibit 27(f)(2) to Post-Effective](http://www.sec.gov/Archives/edgar/data/768836/000106880007000043/vul3-4_exfp2.txt)<br> [Amendment No. 28 to the Registration Statement on Form N-6 for RiverSource Variable Life Separate Account, File No. 333-69777, on](http://www.sec.gov/Archives/edgar/data/768836/000106880007000043/vul3-4_exfp2.txt)<br> [January 3, 2007, is incorporated by reference.](http://www.sec.gov/Archives/edgar/data/768836/000106880007000043/vul3-4_exfp2.txt)<br>|
| 3.4 | &nbsp;&nbsp; [Copy of Resolution of the Board of Directors of IDS Life Insurance Company, dated May 5, 1989, establishing IDS Life Account MGA](http://www.sec.gov/Archives/edgar/data/727892/0000820027-94-000185.txt)<br> [filed as Exhibit 3.3 to Post-Effective Amendment No. 5 to the Registration Statement on Form S-1 for IDS Life Insurance Company,](http://www.sec.gov/Archives/edgar/data/727892/0000820027-94-000185.txt)<br> [File No. 33-28976, on April 6, 1994, is incorporated herein by reference.(See Exhibit 3.3 to Form S-1 Registration Statement filed with](http://www.sec.gov/Archives/edgar/data/727892/0000820027-94-000185.txt)<br> [the SEC on 4/6/1994.)](http://www.sec.gov/Archives/edgar/data/727892/0000820027-94-000185.txt)<br>|
| 3.5 | &nbsp;&nbsp; [Unanimous Written Consent of the Board of Directors In Lieu of a Meeting for IDS Life Insurance Company, adopted Dec. 8, 2006 for](http://www.sec.gov/Archives/edgar/data/768836/000106880007000043/vul3-4_exap6.txt)<br> [the Re-designation of the Separate Accounts to Reflect Entity Consolidation and Rebranding filed as Exhibit 27(a)(6) to the Registration](http://www.sec.gov/Archives/edgar/data/768836/000106880007000043/vul3-4_exap6.txt)<br> [Statement on Form N-6 for RiverSource Variable Life Separate Account, File No. 333-69777, on January 3, 2007, is incorporated by](http://www.sec.gov/Archives/edgar/data/768836/000106880007000043/vul3-4_exap6.txt)<br> [reference.](http://www.sec.gov/Archives/edgar/data/768836/000106880007000043/vul3-4_exap6.txt)<br>|
| 4.1 | &nbsp;&nbsp; [Copy of Limited Flexible Purchase Payments Deferred Annuity Contract and Data Pages, filed electronically as Exhibit 4.1 to Initial](https://www.sec.gov/Archives/edgar/data/727892/000119312519211792/d782538dex9941.htm)<br> [Registration Statement No. 333-232973.](https://www.sec.gov/Archives/edgar/data/727892/000119312519211792/d782538dex9941.htm)<br>|
| 4.2 | &nbsp;&nbsp; [Copy of Endorsement No. 30379 to the Individual Annuity Contract, filed as Exhibit 4.10 to Post-Effective Amendment No. 10 to the](http://www.sec.gov/Archives/edgar/data/727892/0000820027-98-000262.txt)<br> [Registration Statement on Form S-1 for IDS Life Insurance Company, File No. 33-28976, on April 15, 1998, is incorporated herein by](http://www.sec.gov/Archives/edgar/data/727892/0000820027-98-000262.txt)<br> [reference.](http://www.sec.gov/Archives/edgar/data/727892/0000820027-98-000262.txt)<br>|
| 4.3 | &nbsp;&nbsp; [Copy of Endorsement No. 33007 filed as Exhibit 4.13 to Post-Effective Amendment No. 12 to the Registration Statement on Form S-1](http://www.sec.gov/Archives/edgar/data/727892/0000820027-99-000276.txt)<br> [for IDS Life Insurance Company, File No. 33-28976, on April 26, 1999, is incorporated herein by reference.(See Exhibit 4.13 to Form](http://www.sec.gov/Archives/edgar/data/727892/0000820027-99-000276.txt)<br> [S-1 Registration Statement filed with the SEC on 4/26/1999.)](http://www.sec.gov/Archives/edgar/data/727892/0000820027-99-000276.txt)<br>|
| 4.4 | &nbsp;&nbsp; [Form of Traditional IRA or SEP-IRA Annuity Endorsement (form 131061) filed as Exhibit 4.14 to Post-Effective Amendment No. 17 to](http://www.sec.gov/Archives/edgar/data/727892/000082002703000279/ex4-14_131061.txt)<br> [the Registration Statement on Form S-1 for IDS Life Insurance Company, File No. 33-28976, on April 23, 2003, is incorporated herein](http://www.sec.gov/Archives/edgar/data/727892/000082002703000279/ex4-14_131061.txt)<br> [by reference.](http://www.sec.gov/Archives/edgar/data/727892/000082002703000279/ex4-14_131061.txt)<br>|
| 4.5 | &nbsp;&nbsp; [Form of Roth IRA Annuity Endorsement (form 131062) filed as Exhibit 4.15 to Post-Effective Amendment No. 17 to the Registration](http://www.sec.gov/Archives/edgar/data/727892/000082002703000279/ex4-15_131062.txt)<br> [Statement on Form S-1 for IDS Life Insurance Company, File No. 33-28976, on April 23, 2003, is incorporated herein by reference.](http://www.sec.gov/Archives/edgar/data/727892/000082002703000279/ex4-15_131062.txt)<br>|
| 4.6 | &nbsp;&nbsp; [Form of Simple IRA Annuity Endorsement (form 131063) filed as Exhibit 4.13 to Post-Effective Amendment No. 14 to the](http://www.sec.gov/Archives/edgar/data/1000191/000082002703000303/ex4-13_131063.txt)<br> [Registration Statement on Form N-4 for RiverSource Variable Account 10, File No. 333-79311, on April 28, 2003, is incorporated by](http://www.sec.gov/Archives/edgar/data/1000191/000082002703000303/ex4-13_131063.txt)<br> [reference.](http://www.sec.gov/Archives/edgar/data/1000191/000082002703000303/ex4-13_131063.txt)<br>|
| 5.\* | [Opinion of Counsel regarding legality of Contracts is filed electronically herewith.](d453532dex995.htm) |
| 23. | Consent of Independent Registered Public Accounting Firm will be filed by Amendment.  |
| 24.1 \* | [Power of Attorney to sign Amendment to this Registration Statement, dated Jan. 11, 2022 is filed electronically herewith.](d453532dex99241.htm) |
| 24.2 \* | &nbsp;&nbsp; [Power of Attorney for Gumer C. Alvero and Brian E. Hartert to sign Amendment to this Registration Statement, dated March 18, 2022 is](d453532dex99242.htm)<br> [filed electronically herewith.](d453532dex99242.htm)<br>|
| Ex-107 | &nbsp;&nbsp; [Filing Fees Table filed electronically as Exhibit 107 to Pre-Effective Amendment No. 1 to Registration Statement on Form S-3, File](https://www.sec.gov/Archives/edgar/data/727892/000119312522225199/d344605dexfilingfees.htm)<br> [No.333-265678 is incorporated by reference.](https://www.sec.gov/Archives/edgar/data/727892/000119312522225199/d344605dexfilingfees.htm)<br>|

---

\*Filed herewith.

------

SIGNATURES

Pursuant to the requirements of the Securities Act of 1933, the Registrant, RiverSource Life Insurance Company, certifies that it has reasonable grounds to believe that it meets all of the requirements for filing on Form S-3 and has duly caused this Registration Statement to be signed on its behalf by the undersigned, thereunto duly authorized in the City of Minneapolis, and State of Minnesota on the 26th day of January, 2023.

---

| | |
|:---|:---|
| RiverSource Life Insurance Company  | RiverSource Life Insurance Company  |
| &nbsp;&nbsp;&nbsp; (Registrant) | &nbsp;&nbsp;&nbsp; (Registrant) |
| By | /s/ Gumer C. Alvero\*\* |
|  | &nbsp;&nbsp; Gumer C. Alvero<br> Chairman of the Board and President<br>|

---

As required by the Securities Act of 1933, Amendment to this Registration Statement has been signed by the following persons in the capacities indicated on the Jan. 26, 2023.

---

| | |
|:---|:---|
| Signature | Title |
| /s/ Gumer C. Alvero\*\* | &nbsp;&nbsp;&nbsp;&nbsp; Chairman of the Board and President <br> (Chief Executive Officer)  |
| Gumer C. Alvero | &nbsp;&nbsp;&nbsp;&nbsp; Chairman of the Board and President <br> (Chief Executive Officer)  |
| /s/ Michael J. Pelzel\* | Senior Vice President – Corporate Tax |
| Michael J. Pelzel | Senior Vice President – Corporate Tax |
| /s/ Stephen P. Blaske\* | Director, Senior Vice President and Chief Actuary |
| Stephen P. Blaske | Director, Senior Vice President and Chief Actuary |
| /s/ Shweta Jhanji\* | Senior Vice President and Treasurer |
| Shweta Jhanji | Senior Vice President and Treasurer |
| /s/ Brian J. McGrane\* | Director |
| Brian J. McGrane | Director |
| /s/ Brian E. Hartert\*\* | Chief Financial Officer |
| Brian E. Hartert | Chief Financial Officer |
| /s/ Jeninne C. McGee\* | Director |
| Jeninne C. McGee | Director |
| /s/ Gene R. Tannuzzo\* | Director |
| Gene R. Tannuzzo | Director |
| /s/ Gregg L. Ewing \* | &nbsp;&nbsp;&nbsp;&nbsp; Vice President and Controller<br> (Principal Accounting Officer) |
| Gregg L. Ewing | &nbsp;&nbsp;&nbsp;&nbsp; Vice President and Controller<br> (Principal Accounting Officer) |

---

\*[Signed pursuant Power of Attorney to sign Amendment to this Registration Statement, dated Jan. 11, 2022, filed electronically](d453532dex99241.htm)[herewith, by:](d453532dex99241.htm)

\*\*[Signed pursuant Power of Attorney to sign Amendment to this Registration Statement, dated March 18, 2022, filed electronically](d453532dex99242.htm)[herewith, by:](d453532dex99242.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| |
|:---|
| /s/ Nicole D. Wood |
| Nicole D. Wood<br> Assistant General Counsel and Assistant Secretary<br>|

---

------

## Exhibit 99.5

Jan. 26, 2023

RiverSource Life Insurance Company <br>70100 Ameriprise Financial Center <br>Minneapolis, MN 55474

Re:

RiverSource Life Insurance Company ("Registrant") <br>Post-Effective Amendment No.1 on Form S-3 <br>File number 333-265678 <br>RiverSource Structured Solutions<sup>SM</sup> Annuity <br>

Gentlemen:

I am familiar with the above-referenced Registration Statement on Form S-3 filed by RiverSource Life Insurance Company (the "Company") with the Securities and Exchange Commission in connection with the Individual Limited Flexible Purchase Payments Deferred Index-Linked Annuity interests offered in connection with the above-referenced annuity contract.

I have made such examination of law and examined such documents and records as in my judgment are necessary and appropriate to enable me to give the following opinion:

1. The Company is duly incorporated, validly existing and in good standing under applicable state law and is duly licensed or qualified to do business in each jurisdiction where it transacts business. The Company has all corporate powers required to carry on its business and to issue the Individual Limited Flexible Purchase Payments Deferred Index-Linked Annuity interests.

2. The Individual Limited Flexible Purchase Payments Deferred Index-Linked Annuity interests issued by the Company, when offered and sold in accordance with the prospectus contained in the Registration Statement and in compliance with applicable law, will be legally issued and represent binding obligations of the Company in accordance with their terms.

I hereby consent to the filing of this opinion as an exhibit to the Registration Statement.

Sincerely,

---

| |
|:---|
| /s/ Nicole D. Wood |
| Nicole D. Wood<br> Assistant General Counsel and Assistant Secretary<br>|

---

------

## Exhibit 99.24

**<u>POWER OF ATTORNEY</u>**

**<u>RIVERSOURCE LIFE INSURANCE COMPANY</u>**

---

| | |
|:---|:---|
| Gumer C. Alvero | Shweta Jhanji |
| Michael J. Pelzel | Brian J. McGrane |
| Stephen P. Blaske | Jeninne C. McGee |
| Gregg L. Ewing | Gene R. Tannuzzo |

---

Do hereby jointly and severally authorize Nicole D. Wood and Paula J. Minella to sign as their attorneys-in-fact and agents any and all documents (i.e., Registration Statement, pre-effective amendment, post-effective amendment and any application for exemptive relief) on behalf of the registrants reflected in the attached list that have been filed with the Securities and Exchange Commission by RiverSource Life Insurance Company pursuant to the Securities Act of 1933 and/or the Investment Company Act of 1940, as amended, by means of the Security and Exchange Commission's electronic disclosure system known as EDGAR or otherwise; and to file the same, with any amendments thereto and all exhibits thereto and other documents in connection therewith, with the Securities and Exchange Commission, and do hereby ratify such signatures heretofore made by such persons.

It is expressly understood by the undersigned that all to whom this Power of Attorney is presented are hereby authorized to accept a copy, photocopy or facsimile of this authorization with the same validity as the original.

This Power of Attorney may be executed in any number of counterpart copies, each of which shall be deemed an original and all of which, together, shall constitute one and the same instrument.

IN WITNESS WHEREOF, the undersigned have executed this Power of Attorney for the purpose herein set forth.

Dated: January 11, 2022

---

| | |
|:---|:---|
| /s/ Gumer C. Alvero<br> Gumer C. Alvero<br> Interim Chairman of the Board and Executive Vice President – Annuities | /s/ Shweta Jhanji<br> Shweta Jhanji<br> Senior Vice President and Treasurer |
| /s/ Michael J. Pelzel<br> Michael J. Pelzel<br> Senior Vice President – Corporate Tax | /s/ Brian J. McGrane<br> Brian J. McGrane<br> Director, Executive Vice President and<br> Chief Financial Officer |
| /s/ Stephen P. Blaske<br> Stephen P. Blaske<br> Director, Senior Vice President and<br> Chief Actuary | /s/ Jeninne C. McGee<br> Jeninne C. McGee<br> Director |
| /s/ Gregg L. Ewing<br> Gregg L. Ewing<br> Vice President and Controller | /s/ Gene R. Tannuzzo<br> Gene R. Tannuzzo<br> Director |

---

------

**RIVERSOURCE LIFE INSURANCE COMPANY** 

**REGISTERED VARIABLE ANNUITY/LIFE INSURANCE PRODUCTS** 

---

| | | |
|:---|:---|:---|
|  | **1933 Act No.** | **1940 Act No.** |
|  **RiverSource Variable Annuity Account 1** |  | **811-07247** |
|  **Privileged Assets Select Annuity** | **333-139768** |  |
|  **RiverSource Variable Annuity Account** |  | **811-7195** |
|  **RiverSource Personal Portfolio Plus 2/RiverSource Personal Portfolio Plus/RiverSource Personal Portfolio** | **333-139757** |  |
|  **RiverSource Preferred Variable Annuity** | **333-139758** |  |
|  **Evergreen Essential Variable Annuity** | **333-139763** |  |
|  **Evergreen New Solutions Variable Annuity** | **333-139763** |  |
|  **Evergreen New Solutions Select Variable Annuity** | **333-139759** |  |
|  **Evergreen Pathways Variable Annuity** | **333-139759** |  |
|  **Evergreen Pathways Select Variable Annuity** | **333-139759** |  |
|  **Evergreen Privilege Variable Annuity** | **333-139759** |  |
|  **RiverSource AccessChoice Select Variable Annuity** | **333-139759** |  |
|  **RiverSource Endeavor Select Variable Annuity** | **333-139763** |  |
|  **RiverSource FlexChoice Variable Annuity** | **333-139759** |  |
|  **RiverSource FlexChoice Select Variable Annuity** | **333-139759** |  |
|  **RiverSource Galaxy Premier Variable Annuity** | **333-139761** |  |
|  **RiverSource Innovations Variable Annuity** | **333-139763** |  |
|  **RiverSource Innovations Classic Variable Annuity** | **333-139763** |  |
|  **RiverSource Innovations Classic Select Variable Annuity** | **333-139763** |  |
|  **RiverSource Innovations Select Variable Annuity** | **333-139763** |  |
|  **RiverSource New Solutions Variable Annuity** | **333-139763** |  |

---

------

---

| | | |
|:---|:---|:---|
|  | **1933 Act No.** | **1940 Act No.** |
|  **RiverSource Pinnacle Variable Annuity** | **333-139761** |  |
|  **RiverSource Platinum Variable Annuity** | **333-139760** |  |
|  **RiverSource Signature Variable Annuity** | **333-139762** |  |
|  **RiverSource Signature One Variable Annuity** | **333-139762** |  |
|  **RiverSource Signature One Select Variable Annuity** | **333-139762** |  |
|  **RiverSource Signature Select Variable Annuity** | **333-139760** |  |
|  **Wells Fargo Advantage Variable Annuity** | **333-139762** |  |
|  **Wells Fargo Advantage Builder Variable Annuity** | **333-139762** |  |
|  **RiverSource Builder Select Variable Annuity** | **333-139762** |  |
|  **Wells Fargo Advantage Choice Select Variable Annuity** | **333-139759** |  |
|  **Wells Fargo Advantage Choice Variable Annuity** | **333-139759** |  |
|  **Wells Fargo Advantage Select Variable Annuity** | **333-139763** |  |
|  **RiverSource Account F** |  | **811-3217** |
|  **RiverSource Variable Retirement & Combination Retirement Annuities** | **2-73114** |  |
|  **RiverSource Employee Benefit Annuity** | **33-52518** |  |
|  **RiverSource Flexible Annuity** | **33-4173** |  |
|  **RiverSource Group Variable Annuity Contract** | **33-47302** |  |
|  **RiverSource Variable Annuity Fund A** |  | **811-1653** |
|  **RiverSource Variable Annuity Fund A** | **2-29081** |  |
|  **RiverSource Variable Annuity Fund B** |  | **811-1674** |
|  **RiverSource Variable Annuity Fund B - Individual** | **2-29358** |  |
|  **RiverSource Variable Annuity Fund B - Group** | **2-47430** |  |

---

------

---

| | | |
|:---|:---|:---|
|  | **1933 Act No.** | **1940 Act No.** |
|  **RiverSource Variable Account 10** |  | **811-07355** |
|  **RiverSource Flexible Portfolio Annuity** | **33-62407** |  |
|  **RiverSource Retirement Advisor Variable Annuity** | **333-79311** |  |
|  **RiverSource Retirement Advisor Variable Annuity – Band 3** | **333-79311** |  |
|  **RiverSource Retirement Advisor Advantage Variable Annuity/RiverSource Retirement Advisor Select Plus Variable Annuity** | **333-79311** |  |
|  **RiverSource Retirement Advisor Advantage Variable Annuity – Band 3** | **333-79311** |  |
|  **RiverSource Retirement Advisor Advantage Plus Variable Annuity/RiverSource Retirement Advisor Select Plus Variable Annuity** | **333-79311** |  |
|  **RiverSource Retirement Advisor 4 Advantage Plus Variable Annuity/RiverSource Retirement Advisor 4 Select Plus Variable Annuity/RiverSource Retirement Advisor 4 Access Variable Annuity** | **333-79311** |  |
|  **RiverSource RAVA 5 Advantage Variable Annuity/RAVA 5 Select Variable Annuity/RAVA 5 Access Variable Annuity (Offered for contract applications signed prior to 4/30/2012)** | **333-79311** |  |
|  **RiverSource RAVA 5 Advantage Variable Annuity/RAVA 5 Select Variable Annuity/RAVA 5 Access Variable Annuity (Offered for contract applications signed on or after 4/30/2012 but prior to April 29, 2013)** | **333-179358** |  |
|  **RiverSource RAVA 5 Advantage Variable Annuity/RAVA 5 Select Variable Annuity/RAVA 5 Access Variable Annuity (Offered for contract applications signed on or after 4/29/2013 but prior to May 1, 2017)** | **333-188218** |  |
|  **RiverSource RAVA 5 Choice Variable Annuity** | **333-229360** |  |
|  **RiverSource RAVA 5 Advantage Variable Annuity (Offered for contract applications signed on or after April 29, 2019)** | **333-230376** |  |
|  **RiverSource RAVA 5 Access Variable Annuity (Offered for contract applications signed on or after June 22, 2020)** | **333-237302** |  |
|  **RiverSource Retirement Group Variable Annuity Contract I** | **333-177380** |  |
|  **RiverSource Retirement Group Variable Annuity Contract II** | **333-177381** |  |
|  **RiverSource RAVA Apex Variable Annuity** | **333-262312** |  |
|  **RiverSource RAVA Vista Variable Annuity** | **333-262313** |  |

---

------

---

| | | |
|:---|:---|:---|
|  | **1933 Act No.** | **1940 Act No.** |
|  **RiverSource Account SBS** |  | **811-06315** |
|  **RiverSource Symphony Annuity** | **33-40779** |  |
|  **RiverSource Life Insurance Company /RiverSource MVA Account;** | **333-230959** | **N/A** |
|  **Evergreen Essential Variable Annuity** | **333-230959** |  |
|  **Evergreen New Solutions Variable Annuity** | **333-230959** |  |
|  **Evergreen New Solutions Select Variable Annuity** | **333-230959** |  |
|  **Evergreen Pathways Variable Annuity** | **333-230959** |  |
|  **Evergreen Privilege Variable Annuity** | **333-230959** |  |
|  **Evergreen Pathways Select Variable Annuity** | **333-230959** |  |
|  **RiverSource AccessChoice Select Variable Annuity** | **333-230959** |  |
|  **RiverSource Endeavor Select Variable Annuity** | **333-230959** |  |
|  **RiverSource FlexChoice Variable Annuity** | **333-230959** |  |
|  **RiverSource FlexChoice Select Variable Annuity** | **333-230959** |  |
|  **RiverSource Galaxy Premier Variable Annuity** | **333-230959** |  |
|  **RiverSource Innovations Variable Annuity** | **333-230959** |  |
|  **RiverSource Innovations Classic Variable Annuity** | **333-230959** |  |
|  **RiverSource Innovations Classic Select Variable Annuity** | **333-230959** |  |
|  **RiverSource Innovations Select Variable Annuity** | **333-230959** |  |
|  **RiverSource New Solutions Variable Annuity** | **333-230959** |  |
|  **RiverSource Pinnacle Variable Annuity** | **333-230959** |  |
|  **RiverSource Signature Variable Annuity** | **333-230959** |  |
|  **RiverSource Signature One Variable Annuity** | **333-230959** |  |
|  **RiverSource Signature One Select Variable Annuity** | **333-230959** |  |
|  **RiverSource Signature Select Variable Annuity** | **333-230959** |  |

---

------

---

| | | |
|:---|:---|:---|
|  | **1933 Act No.** | **1940 Act No.** |
|  **Wells Fargo Advantage Variable Annuity** | **333-230959** |  |
|  **Wells Fargo Advantage Builder Variable Annuity** | **333-230959** |  |
|  **RiverSource Builder Select Variable Annuity** | **333-230959** |  |
|  **Wells Fargo Advantage Choice Select Variable Annuity** | **333-230959** |  |
|  **RiverSource Life Insurance Company/RiverSource Account MGA:** | **333-230957** | **N/A** |
|  **RiverSource Retirement Advisor Advantage Plus Variable Annuity/RiverSource Retirement Advisor Select Plus Variable Annuity** | **333-230957** |  |
|  **RiverSource Retirement Advisor 4 Advantage Plus Variable Annuity/RiverSource Retirement Advisor 4 Select Plus Variable Annuity/RiverSource Retirement Advisor 4 Access Variable Annuity** | **333-230957** |  |
|  **RiverSource RAVA 5 Advantage Variable Annuity/RAVA 5 Select Variable Annuity/RAVA 5 Access Variable Annuity (Offered for contract applications signed prior to 4/30/2012)** | **333-230957** |  |
|  **RiverSource RAVA 5 Advantage Variable Annuity/RAVA 5 Select Variable Annuity/RAVA 5 Access Variable Annuity (Offered for contract applications signed on or after 4/30/2012 but prior to April 29, 2013)** | **333-230957** |  |
|  **RiverSource RAVA 5 Advantage Variable Annuity/RAVA 5 Select Variable Annuity/RAVA 5 Access Variable Annuity (Offered for contract applications signed on or after 4/29/2013)** | **333-230957** |  |
|  **RiverSource Retirement Group Annuity Contract I** | **333-230957** |  |
|  **RiverSource Retirement Group Annuity Contract II** | **333-230957** |  |
|  **RiverSource RAVA 5 Advantage Variable Annuity (offered for contract applications signed on or after 4/29/2019)** | **333-230957** |  |
|  **RiverSource Guaranteed Term Annuity/GPAs Offered Under Certain Variable Annuity Contracts** | **333-263038** |  |
|  **GPAs Offered Under Certain Variable Annuity Contracts** | **333-263041** |  |
|  **RiverSource Fixed Account Interests Offered Under the Group Variable Annuity Contract** | **333-263022** |  |
|  **RiverSource Structured Solutions annuity** | **333-265678** |  |

---

*Form S-3 registration statements to be filed as necessary, for the Individual Limited Flexible Purchase Payments Deferred Index-Linked Annuity Contract including but not limited to any registration statements filed to continue the offering of, and/or register additional registration units offered by the registration statements identified above.* 

------

---

| | | |
|:---|:---|:---|
|  | **1933 Act No.** | **1940 Act No.** |
|  **RiverSource Variable Life Separate Account** |  | **811-4298** |
|  **RiverSource Single Premium Variable Life Insurance** | **333-83456** |  |
|  **RiverSource Variable Universal Life IV/RiverSource Variable Universal Life IV – Estate Series** | **333-69777** |  |
|  **RiverSource Variable Universal Life 5/RiverSource Variable Universal Life 5 – Estate Series** | **333-182361** |  |
|  **RiverSource Variable Second-To-Die Life Insurance** | **33-62457** |  |
|  **RiverSource Variable Universal Life Insurance** | **33-11165** |  |
|  **RiverSource Variable Universal Life Insurance III** | **333-69777** |  |
|  **RiverSource Succession Select Variable Life Insurance** | **33-62457** |  |
|  **RiverSource Single Premium Variable Life Insurance Policy** | **2-97637** |  |
|  **RiverSource Variable Universal Life 6 Insurance** | **333-227506** |  |
|  **RiverSource Survivorship Variable Universal Life Insurance** | **333-260175** |  |
|  **RiverSource Variable Life Account** |  | **811-09515** |
|  **RiverSource Signature Variable Universal Life Insurance** | **333-139766** |  |
|  **RiverSource Account for Smith Barney** |  | **811-4652** |
|  **Salomon Smith Barney Life Vest Single Premium Variable Life Insurance Policy** | **33-5210** |  |

---

## Exhibit 99.24

**<u>POWER OF ATTORNEY</u>**

**<u>RIVERSOURCE LIFE INSURANCE COMPANY</u>**

I, Gumer C. Alvero, hereby authorize Nicole D. Wood and Paula J. Minella to sign as their attorneys-in-fact and agents any and all documents (i.e., Registration Statement, pre-effective amendment, post-effective amendment and any application for exemptive relief) on behalf of the registrants reflected in the attached list that have been filed with the Securities and Exchange Commission by RiverSource Life Insurance Company pursuant to the Securities Act of 1933 and/or the Investment Company Act of 1940, as amended, by means of the Security and Exchange Commission's electronic disclosure system known as EDGAR or otherwise; and to file the same, with any amendments thereto and all exhibits thereto and other documents in connection therewith, with the Securities and Exchange Commission, and do hereby ratify such signatures heretofore made by such persons.

It is expressly understood by the undersigned that all to whom this Power of Attorney is presented are hereby authorized to accept a copy, photocopy or facsimile of this authorization with the same validity as the original.

This Power of Attorney may be executed in any number of counterpart copies, each of which shall be deemed an original and all of which, together, shall constitute one and the same instrument.

IN WITNESS WHEREOF, the undersigned has executed this Power of Attorney for the purpose herein set forth.

Dated March 18, 2022

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| |
|:---|
| /s/ Gumer C. Alvero |
| Gumer C. Alvero |
| Chairman of the Board and President |

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**<u>POWER OF ATTORNEY</u>**

**<u>RIVERSOURCE LIFE INSURANCE COMPANY</u>**

I, Brian E. Hartert, hereby authorize Nicole D. Wood and Paula J. Minella to sign as their attorneys-in-fact and agents any and all documents (i.e., Registration Statement, pre-effective amendment, post-effective amendment and any application for exemptive relief) on behalf of the registrants reflected in the attached list that have been filed with the Securities and Exchange Commission by RiverSource Life Insurance Company pursuant to the Securities Act of 1933 and/or the Investment Company Act of 1940, as amended, by means of the Security and Exchange Commission's electronic disclosure system known as EDGAR or otherwise; and to file the same, with any amendments thereto and all exhibits thereto and other documents in connection therewith, with the Securities and Exchange Commission, and do hereby ratify such signatures heretofore made by such persons.

It is expressly understood by the undersigned that all to whom this Power of Attorney is presented are hereby authorized to accept a copy, photocopy or facsimile of this authorization with the same validity as the original.

This Power of Attorney may be executed in any number of counterpart copies, each of which shall be deemed an original and all of which, together, shall constitute one and the same instrument.

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IN WITNESS WHEREOF, the undersigned has executed this Power of Attorney for the purpose herein set forth.

Dated March 18, 2022

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| |
|:---|
| /s/ Brian E.Hartert |
| Brian E. Hartert |
| Chief Financial Officer |

---

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**RIVERSOURCE LIFE INSURANCE COMPANY** 

**REGISTERED VARIABLE ANNUITY/LIFE INSURANCE PRODUCTS** 

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| | | |
|:---|:---|:---|
|  | **1933 Act No.** | **1940 Act No.** |
|  **RiverSource Variable Annuity Account 1** |  | **811-07247** |
|  **Privileged Assets Select Annuity** | **333-139768** |  |
|  **RiverSource Variable Annuity Account** |  | **811-7195** |
|  **RiverSource Personal Portfolio Plus 2/RiverSource Personal Portfolio Plus/RiverSource Personal Portfolio** | **333-139757** |  |
|  **RiverSource Preferred Variable Annuity** | **333-139758** |  |
|  **Evergreen Essential Variable Annuity** | **333-139763** |  |
|  **Evergreen New Solutions Variable Annuity** | **333-139763** |  |
|  **Evergreen New Solutions Select Variable Annuity** | **333-139759** |  |
|  **Evergreen Pathways Variable Annuity** | **333-139759** |  |
|  **Evergreen Pathways Select Variable Annuity** | **333-139759** |  |
|  **Evergreen Privilege Variable Annuity** | **333-139759** |  |
|  **RiverSource AccessChoice Select Variable Annuity** | **333-139759** |  |
|  **RiverSource Endeavor Select Variable Annuity** | **333-139763** |  |
|  **RiverSource FlexChoice Variable Annuity** | **333-139759** |  |
|  **RiverSource FlexChoice Select Variable Annuity** | **333-139759** |  |
|  **RiverSource Galaxy Premier Variable Annuity** | **333-139761** |  |
|  **RiverSource Innovations Variable Annuity** | **333-139763** |  |
|  **RiverSource Innovations Classic Variable Annuity** | **333-139763** |  |
|  **RiverSource Innovations Classic Select Variable Annuity** | **333-139763** |  |
|  **RiverSource Innovations Select Variable Annuity** | **333-139763** |  |
|  **RiverSource New Solutions Variable Annuity** | **333-139763** |  |

---

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| | | |
|:---|:---|:---|
|  | **1933 Act No.** | **1940 Act No.** |
|  **RiverSource Pinnacle Variable Annuity** | **333-139761** |  |
|  **RiverSource Platinum Variable Annuity** | **333-139760** |  |
|  **RiverSource Signature Variable Annuity** | **333-139762** |  |
|  **RiverSource Signature One Variable Annuity** | **333-139762** |  |
|  **RiverSource Signature One Select Variable Annuity** | **333-139762** |  |
|  **RiverSource Signature Select Variable Annuity** | **333-139760** |  |
|  **Wells Fargo Advantage Variable Annuity** | **333-139762** |  |
|  **Wells Fargo Advantage Builder Variable Annuity** | **333-139762** |  |
|  **RiverSource Builder Select Variable Annuity** | **333-139762** |  |
|  **Wells Fargo Advantage Choice Select Variable Annuity** | **333-139759** |  |
|  **Wells Fargo Advantage Choice Variable Annuity** | **333-139759** |  |
|  **Wells Fargo Advantage Select Variable Annuity** | **333-139763** |  |
|  **RiverSource Account F** |  | **811-3217** |
|  **RiverSource Variable Retirement & Combination Retirement Annuities** | **2-73114** |  |
|  **RiverSource Employee Benefit Annuity** | **33-52518** |  |
|  **RiverSource Flexible Annuity** | **33-4173** |  |
|  **RiverSource Group Variable Annuity Contract** | **33-47302** |  |
|  **RiverSource Variable Annuity Fund A** |  | **811-1653** |
|  **RiverSource Variable Annuity Fund A** | **2-29081** |  |
|  **RiverSource Variable Annuity Fund B** |  | **811-1674** |
|  **RiverSource Variable Annuity Fund B - Individual** | **2-29358** |  |
|  **RiverSource Variable Annuity Fund B - Group** | **2-47430** |  |

---

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| | | |
|:---|:---|:---|
|  | **1933 Act No.** | **1940 Act No.** |
|  **RiverSource Variable Account 10** |  | **811-07355** |
|  **RiverSource Flexible Portfolio Annuity** | **33-62407** |  |
|  **RiverSource Retirement Advisor Variable Annuity** | **333-79311** |  |
|  **RiverSource Retirement Advisor Variable Annuity – Band 3** | **333-79311** |  |
|  **RiverSource Retirement Advisor Advantage Variable Annuity/RiverSource Retirement Advisor Select Plus Variable Annuity** | **333-79311** |  |
|  **RiverSource Retirement Advisor Advantage Variable Annuity – Band 3** | **333-79311** |  |
|  **RiverSource Retirement Advisor Advantage Plus Variable Annuity/RiverSource Retirement Advisor Select Plus Variable Annuity** | **333-79311** |  |
|  **RiverSource Retirement Advisor 4 Advantage Plus Variable Annuity/RiverSource Retirement Advisor 4 Select Plus Variable Annuity/RiverSource Retirement Advisor 4 Access Variable Annuity** | **333-79311** |  |
|  **RiverSource RAVA 5 Advantage Variable Annuity/RAVA 5 Select Variable Annuity/RAVA 5 Access Variable Annuity (Offered for contract applications signed prior to 4/30/2012)** | **333-79311** |  |
|  **RiverSource RAVA 5 Advantage Variable Annuity/RAVA 5 Select Variable Annuity/RAVA 5 Access Variable Annuity (Offered for contract applications signed on or after 4/30/2012 but prior to April 29, 2013)** | **333-179358** |  |
|  **RiverSource RAVA 5 Advantage Variable Annuity/RAVA 5 Select Variable Annuity/RAVA 5 Access Variable Annuity (Offered for contract applications signed on or after 4/29/2013 but prior to May 1, 2017)** | **333-188218** |  |
|  **RiverSource RAVA 5 Choice Variable Annuity** | **333-229360** |  |
|  **RiverSource RAVA 5 Advantage Variable Annuity (Offered for contract applications signed on or after April 29, 2019)** | **333-230376** |  |
|  **RiverSource RAVA 5 Access Variable Annuity (Offered for contract applications signed on or after June 22, 2020)** | **333-237302** |  |
|  **RiverSource Retirement Group Variable Annuity Contract I** | **333-177380** |  |
|  **RiverSource Retirement Group Variable Annuity Contract II** | **333-177381** |  |
|  **RiverSource RAVA Apex Variable Annuity** | **333-262312** |  |
|  **RiverSource RAVA Vista Variable Annuity** | **333-262313** |  |

---

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---

| | | |
|:---|:---|:---|
|  | **1933 Act No.** | **1940 Act No.** |
|  **RiverSource Account SBS** |  | **811-06315** |
|  **RiverSource Symphony Annuity** | **33-40779** |  |
|  **RiverSource Life Insurance Company /RiverSource MVA Account;** | **333-230959** | **N/A** |
|  **Evergreen Essential Variable Annuity** | **333-230959** |  |
|  **Evergreen New Solutions Variable Annuity** | **333-230959** |  |
|  **Evergreen New Solutions Select Variable Annuity** | **333-230959** |  |
|  **Evergreen Pathways Variable Annuity** | **333-230959** |  |
|  **Evergreen Privilege Variable Annuity** | **333-230959** |  |
|  **Evergreen Pathways Select Variable Annuity** | **333-230959** |  |
|  **RiverSource AccessChoice Select Variable Annuity** | **333-230959** |  |
|  **RiverSource Endeavor Select Variable Annuity** | **333-230959** |  |
|  **RiverSource FlexChoice Variable Annuity** | **333-230959** |  |
|  **RiverSource FlexChoice Select Variable Annuity** | **333-230959** |  |
|  **RiverSource Galaxy Premier Variable Annuity** | **333-230959** |  |
|  **RiverSource Innovations Variable Annuity** | **333-230959** |  |
|  **RiverSource Innovations Classic Variable Annuity** | **333-230959** |  |
|  **RiverSource Innovations Classic Select Variable Annuity** | **333-230959** |  |
|  **RiverSource Innovations Select Variable Annuity** | **333-230959** |  |
|  **RiverSource New Solutions Variable Annuity** | **333-230959** |  |
|  **RiverSource Pinnacle Variable Annuity** | **333-230959** |  |
|  **RiverSource Signature Variable Annuity** | **333-230959** |  |
|  **RiverSource Signature One Variable Annuity** | **333-230959** |  |
|  **RiverSource Signature One Select Variable Annuity** | **333-230959** |  |
|  **RiverSource Signature Select Variable Annuity** | **333-230959** |  |

---

------

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| | | |
|:---|:---|:---|
|  | **1933 Act No.** | **1940 Act No.** |
|  **Wells Fargo Advantage Variable Annuity** | **333-230959** |  |
|  **Wells Fargo Advantage Builder Variable Annuity** | **333-230959** |  |
|  **RiverSource Builder Select Variable Annuity** | **333-230959** |  |
|  **Wells Fargo Advantage Choice Select Variable Annuity** | **333-230959** |  |
|  **RiverSource Life Insurance Company/RiverSource Account MGA:** | **333-230957** | **N/A** |
|  **RiverSource Retirement Advisor Advantage Plus Variable Annuity/RiverSource Retirement Advisor Select Plus Variable Annuity** | **333-230957** |  |
|  **RiverSource Retirement Advisor 4 Advantage Plus Variable Annuity/RiverSource Retirement Advisor 4 Select Plus Variable Annuity/RiverSource Retirement Advisor 4 Access Variable Annuity** | **333-230957** |  |
|  **RiverSource RAVA 5 Advantage Variable Annuity/RAVA 5 Select Variable Annuity/RAVA 5 Access Variable Annuity (Offered for contract applications signed prior to 4/30/2012)** | **333-230957** |  |
|  **RiverSource RAVA 5 Advantage Variable Annuity/RAVA 5 Select Variable Annuity/RAVA 5 Access Variable Annuity (Offered for contract applications signed on or after 4/30/2012 but prior to April 29, 2013)** | **333-230957** |  |
|  **RiverSource RAVA 5 Advantage Variable Annuity/RAVA 5 Select Variable Annuity/RAVA 5 Access Variable Annuity (Offered for contract applications signed on or after 4/29/2013)** | **333-230957** |  |
|  **RiverSource Retirement Group Annuity Contract I** | **333-230957** |  |
|  **RiverSource Retirement Group Annuity Contract II** | **333-230957** |  |
|  **RiverSource RAVA 5 Advantage Variable Annuity (offered for contract applications signed on or after 4/29/2019)** | **333-230957** |  |
|  **RiverSource Guaranteed Term Annuity/GPAs Offered Under Certain Variable Annuity Contracts** | **333-263038** |  |
|  **GPAs Offered Under Certain Variable Annuity Contracts** | **333-263041** |  |
|  **RiverSource Fixed Account Interests Offered Under the Group Variable Annuity Contract** | **333-263022** |  |
|  **RiverSource Structured Solutions annuity** | **333-265678** |  |

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*Form S-3 registration statements to be filed as necessary, for the Individual Limited Flexible Purchase Payments Deferred Index-Linked Annuity Contract including but not limited to any registration statements filed to continue the offering of, and/or register additional registration units offered by the registration statements identified above.* 

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| | | |
|:---|:---|:---|
|  | **1933 Act No.** | **1940 Act No.** |
|  **RiverSource Variable Life Separate Account** |  | **811-4298** |
|  **RiverSource Single Premium Variable Life Insurance** | **333-83456** |  |
|  **RiverSource Variable Universal Life IV/RiverSource Variable Universal Life IV – Estate Series** | **333-69777** |  |
|  **RiverSource Variable Universal Life 5/RiverSource Variable Universal Life 5 – Estate Series** | **333-182361** |  |
|  **RiverSource Variable Second-To-Die Life Insurance** | **33-62457** |  |
|  **RiverSource Variable Universal Life Insurance** | **33-11165** |  |
|  **RiverSource Variable Universal Life Insurance III** | **333-69777** |  |
|  **RiverSource Succession Select Variable Life Insurance** | **33-62457** |  |
|  **RiverSource Single Premium Variable Life Insurance Policy** | **2-97637** |  |
|  **RiverSource Variable Universal Life 6 Insurance** | **333-227506** |  |
|  **RiverSource Survivorship Variable Universal Life Insurance** | **333-260175** |  |
|  **RiverSource Variable Life Account** |  | **811-09515** |
|  **RiverSource Signature Variable Universal Life Insurance** | **333-139766** |  |
|  **RiverSource Account for Smith Barney** |  | **811-4652** |
|  **Salomon Smith Barney Life Vest Single Premium Variable Life Insurance Policy** | **33-5210** |  |

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