# EDGAR Filing Document

**Accession Number:** 0000817132
**File Stem:** 0001193125-26-182404
**Filing Date:** 2026-4
**Character Count:** 1365925
**Document Hash:** 0e17a73b7c64001ca34984fe26b1941c
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-182404.hdr.sgml**: 20260427

**ACCESSION NUMBER**: 0001193125-26-182404

**CONFORMED SUBMISSION TYPE**: 485BPOS

**PUBLIC DOCUMENT COUNT**: 12

**FILED AS OF DATE**: 20260427

**DATE AS OF CHANGE**: 20260427

**EFFECTIVENESS DATE**: 20260501

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** RIVERSOURCE OF NEW YORK ACCOUNT 8
- **CENTRAL INDEX KEY:** 0000817132

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** MN
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 485BPOS
- **SEC ACT:** 1940 Act
- **SEC FILE NUMBER:** 811-05213
- **FILM NUMBER:** 26902078

**BUSINESS ADDRESS:**
- **STREET 1:** 50605 AMERIPRISE FINANCIAL CENTER
- **STREET 2:** H27/5229
- **CITY:** MINNEAPOLIS
- **STATE:** MN
- **ZIP:** 55474
- **BUSINESS PHONE:** 6126784177

**MAIL ADDRESS:**
- **STREET 1:** 50605 AMERIPRISE FINANCIAL CENTER
- **STREET 2:** H27/5229
- **CITY:** MINNEAPOLIS
- **STATE:** MN
- **ZIP:** 55474

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** IDS LIFE OF NEW YORK ACCOUNT 8
- **DATE OF NAME CHANGE:** 19920703
**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** RIVERSOURCE OF NEW YORK ACCOUNT 8
- **CENTRAL INDEX KEY:** 0000817132

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** MN
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 485BPOS
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-227507
- **FILM NUMBER:** 26902077

**BUSINESS ADDRESS:**
- **STREET 1:** 50605 AMERIPRISE FINANCIAL CENTER
- **STREET 2:** H27/5229
- **CITY:** MINNEAPOLIS
- **STATE:** MN
- **ZIP:** 55474
- **BUSINESS PHONE:** 6126784177

**MAIL ADDRESS:**
- **STREET 1:** 50605 AMERIPRISE FINANCIAL CENTER
- **STREET 2:** H27/5229
- **CITY:** MINNEAPOLIS
- **STATE:** MN
- **ZIP:** 55474

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** IDS LIFE OF NEW YORK ACCOUNT 8
- **DATE OF NAME CHANGE:** 19920703

## Series and Classes Contracts Data

### RIVERSOURCE OF NEW YORK ACCOUNT 8 (Series ID: S000003512)

| Class ID   | Class Name                                      | Ticker Symbol   |
|:---|:---|:---|
| C000206155 | RiverSource Variable Universal Life 6 Insurance |  |

?xml version='1.0' encoding='ASCII'? 485BPOS

------

**As filed with the Securities and Exchange Commission on April 27, 2026**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

------

**FORM N-6**

**REGISTRATION STATEMENT**

***UNDER*** 

---

| | |
|:---|:---|
| ***THE SECURITIES ACT OF 1933*** | [ ] |
| **Post-Effective Amendment No. 16 (File No. 333-227507)** | [X] |

---

**and/or**

**REGISTRATION STATEMENT**

***UNDER*** 

---

| | |
|:---|:---|
| ***THE INVESTMENT COMPANY ACT OF 1940*** | [ ] |
| **Amendment No. 109 (File No. 811-05213)** | [X] |

---

**(Check appropriate box or boxes)**

------

**Exact Name of Registrant:**

**RiverSource of New York Account 8**

------

**Name of Depositor:**

**RIVERSOURCE LIFE INSURANCE CO. OF NEW YORK**

**Address of Depositor's Principal Executive Offices, Zip Code**

**Depositor's Telephone Number, including Area Code:**

------

**20 Madison Avenue Extension Albany, NY 12203**

**(800) 541-2251**

**Name and Address of Agent for Service:**

**Nicole D. Wood, Esq.**

**5229 Ameriprise Financial Center**

**Minneapolis, MN 55474**

------

Approximate Date of Proposed Public Offering N/A

It is proposed that this filing will become effective (check appropriate box)

[ ] immediately upon filing pursuant to paragraph (b)

[X] on May 1, 2026 pursuant to paragraph (b)

[ ] 60 days after filing pursuant to paragraph (a)(1)

[ ] on [date] pursuant to paragraph (a)(1) of Rule 485

If appropriate, check the following box:

[ ] This post-effective amendment designates a new effective date for a previously filed post-effective amendment.

------

PART A: PROSPECTUS

------

Prospectus

May 1, 2026

*RiverSource*<sup>®</sup> Variable Universal Life 6 Insurance

INDIVIDUAL FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE POLICIES

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

---

| | |
|:---|:---|
| **Issued by:** | **RiverSource Life Insurance Co. of New York (RiverSource Life of NY)** |
|  | &nbsp;&nbsp; 20 Madison Avenue Extension<br> Albany, NY 12203<br> Telephone: 1-800-541-2251<br> Website address: riversource.com/lifeinsurance<br> **RiverSource of New York Account 8**<br>|
| **Service Center:** | **RiverSource Life Insurance Co. of New York** |
|  | &nbsp;&nbsp; 70500 Ameriprise Financial Center<br> Minneapolis, MN 55474<br> Telephone: 1-800-541-2251<br> Website address: riversource.com/lifeinsurance<br>|

---

This prospectus contains information that you should know about the life insurance policy before investing in RiverSource Variable Universal Life 6 Insurance (VUL 6 – NY).

The purpose of the policy is to provide life insurance protection on the life of the Insured and to potentially build Policy Value. The policy is a long-term investment that provides a death benefit that we pay to the Beneficiary upon the Insured's death. You may direct your Net Premiums or transfers to:

• A Fixed Account to which we credit interest.

• Indexed Accounts to which we credit interest.

• Subaccounts that invest in underlying Funds.

Prospectuses are available for the Funds that are investment options under the policy. Please read all prospectuses carefully and keep them for future reference.

RiverSource Life of NY has not authorized any person to give any information or to make any representations regarding the policy other than those contained in this prospectus or the Fund prospectuses. Do not rely on any such information or representations.

**Please note that your investments in a policy and its underlying Funds:** 

• Are NOT deposits or obligations of a bank or financial institution;

• Are NOT insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency; and

• Are subject to risks including loss of the amount you invested and the policy ending without value.

**The Securities and Exchange Commission (SEC) has not approved or disapproved these securities or passed upon the accuracy or adequacy of this prospectus. Any representation to the contrary is a criminal offense.**

Variable life insurance is a complex vehicle that is subject to market risk, including the potential loss of principal invested. Before you invest, be sure to ask your sales representative about the policy's features, benefits, risks and fees, and whether it is appropriate for you based upon your financial situation and objectives. Your sales representative may or may not be authorized to offer you several different variable life insurance policies in addition to the policy described in this prospectus. Each policy has different features or benefits that may be appropriate for you based on your financial situation and needs, your age and how you intend to use the policy. The different features and benefits may include investment and fund manager options, variations in interest rate amounts and guarantees and surrender charge schedules. The fees and charges may also be different among the policies. Be sure to ask your sales representative about all the options that are available to you.

Additional information about certain investment products, including variable life insurance, has been prepared by the Securities and Exchange Commission's staff and is available at Investor.gov.

------

RiverSource Variable Universal Life 6 Insurance New York — Prospectus 1

------

If you are a new investor in the policy, you may cancel your policy within 10 days of receiving it without paying penalties (if the policy is intended to replace an existing policy, this cancellation period is extended to 60 days). In some states, this cancellation period may be longer. Upon cancellation, you will receive a full refund of all premiums paid, including any policy fees or other charges, less Indebtedness. You should review this prospectus, or consult with your investment professional, for additional information about the specific cancellation terms that apply.

For your convenience, we have defined certain words and phrases used in this prospectus in the "Key Terms" section.

------

2 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

------

**Table of Contents**

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

---

| | |
|:---|:---|
| [Key Terms](#xx_79c0ce02-ac58-4b6b-88f8-15d36b2556d1_1) | 5 |
| [Key Information Table](#xx_39096a56-a36f-41c7-9d58-5e5718e0ab3c_1) | 8 |
| [Overview of the Policy](#xx_8815a708-e71f-4f2f-8d32-f16ce0eec10a_1) | 12 |
| [Purpose](#xx_8815a708-e71f-4f2f-8d32-f16ce0eec10a_1) | 12 |
| [Premiums](#xx_8815a708-e71f-4f2f-8d32-f16ce0eec10a_1) | 12 |
| [Allocation of Premiums](#xx_8815a708-e71f-4f2f-8d32-f16ce0eec10a_1) | 12 |
| [Policy Features](#xx_8815a708-e71f-4f2f-8d32-f16ce0eec10a_1) | 12 |
| [Fee Tables](#xx_c8529ca4-ebbf-471e-b455-0778a0e33b1f_1) | 14 |
| [Transaction Fees](#xx_c8529ca4-ebbf-471e-b455-0778a0e33b1f_1) | 14 |
| [Periodic Charges Other than Annual Fund Expenses](#xx_c8529ca4-ebbf-471e-b455-0778a0e33b1f_3) | 16 |
| [Total Annual Operating Expenses of the Funds](#xx_c8529ca4-ebbf-471e-b455-0778a0e33b1f_5) | 18 |
| [Principal Risks of Investing in the Policy](#xx_4de293f5-fc64-47b4-926a-3a806349bd2e_1) | 19 |
| [Loads, Fees and Charges](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_1) | 22 |
| [Transaction Fees](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_1) | 22 |
| [Surrender Charge](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_1) | 22 |
| [Partial Surrender Charge](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_2) | 23 |
| [Premium Expense Charge](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_2) | 23 |
| [Overloan Protection Benefit](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_2) | 23 |
| [Base Policy Charges](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_2) | 23 |
| [Monthly Deduction](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_2) | 23 |
| [Optional Insurance Benefits](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_4) | 25 |
| [Payments to the Selling Firms](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_5) | 26 |
| [Total Annual Operating Expenses of the Funds](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_5) | 26 |
| [Effect of Loads, Fees and Charges](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_5) | 26 |
| [Other Information on Charges](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_6) | 27 |
| [Policy Rights](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_6) | 27 |
| [Transfers Among the Fixed Account, Indexed Accounts](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_6)<br> [and Subaccounts](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_6)<br>| 27 |
| [Market Timing and Disruptive Trading Practices](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_6) | 27 |
| [Transfer of Policy Value between the Fixed Account](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_8)<br> [and Subaccounts](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_8)<br>| 29 |
| [Minimum Transfer Amounts](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_8) | 29 |
| [Maximum Transfer Amounts](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_8) | 29 |
| [Transfer Restriction Period – Indexed Accounts](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_8) | 29 |
| [Transfers Not Allowed](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_9) | 30 |
| [Transfers at the](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_9)[Insured's Attained Insurance Age](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_9)<br> [120 Anniversary](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_9)<br>| 30 |
| [Maximum Number of Transfers Per Year From the](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_9)<br> [Subaccounts](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_9)<br>| 30 |
| [Automated Transfers](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_9) | 30 |
| [Asset Rebalancing](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_11) | 32 |
| [RiverSource Life of NY](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_12) | 33 |
| [The Variable Account and the Funds](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_12) | 33 |
| [Relationship Between Funds and Subaccounts](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_14) | 35 |
| [Substitution of Investments](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_14) | 35 |

---

---

| | |
|:---|:---|
| [Voting Rights](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_15) | 36 |
| [The General Account](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_15) | 36 |
| [The Fixed Account](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_16) | 37 |
| [The Indexed Accounts](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_16) | 37 |
| [Segment Maturity Value](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_18) | 39 |
| [Purchasing Your Policy](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_20) | 41 |
| [Application](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_20) | 41 |
| [Choice of Tax Test](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_20) | 41 |
| [Right to Examine Your Policy ("Free Look")](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_21) | 42 |
| [Premiums](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_21) | 42 |
| [Policy Value](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_22) | 43 |
| [Fixed Account](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_22) | 43 |
| [Indexed Accounts](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_22) | 43 |
| [Subaccounts](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_23) | 44 |
| [Order of Deductions from Policy Value](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_23) | 44 |
| [Keeping](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_24)[The](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_24)[Policy in Force](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_24) | 45 |
| [Minimum Initial Premium Guarantee](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_24) | 45 |
| [No Lapse](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_24)[Guarantee](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_24) | 45 |
| [Grace Period](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_24) | 45 |
| [Reinstatement](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_24) | 45 |
| [Proceeds Payable](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_25)[Upon](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_25)[Death](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_25) | 46 |
| [Change in Death Benefit Option](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_26) | 47 |
| [Changes in Specified Amount](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_26) | 47 |
| [Misstatement of Age or Sex](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_27) | 48 |
| [Suicide](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_28) | 49 |
| [Beneficiary](#xx_5810ded2-6d70-4669-aa95-2b3910e26929_28) | 49 |
| [Other Benefits Available Under the Contract](#xx_601f4579-a249-4722-8a24-68594ab52d87_1) | 50 |
| [Additional Information About Optional Benefits](#xx_601f4579-a249-4722-8a24-68594ab52d87_7) | 56 |
| [Additional Information About Standard Benefits](#xx_601f4579-a249-4722-8a24-68594ab52d87_12)<br> [(Other than Standard Death Benefits)](#xx_601f4579-a249-4722-8a24-68594ab52d87_12)<br>| 61 |
| [Changes to the Policies](#xx_601f4579-a249-4722-8a24-68594ab52d87_15) | 64 |
| [Policy Loans](#xx_601f4579-a249-4722-8a24-68594ab52d87_15) | 64 |
| [Minimum Loan Amounts](#xx_601f4579-a249-4722-8a24-68594ab52d87_15) | 64 |
| [Maximum Loan Amounts](#xx_601f4579-a249-4722-8a24-68594ab52d87_15) | 64 |
| [Allocation of Loans to Accounts](#xx_601f4579-a249-4722-8a24-68594ab52d87_15) | 64 |
| [Repayments](#xx_601f4579-a249-4722-8a24-68594ab52d87_15) | 64 |
| [Overdue Interest](#xx_601f4579-a249-4722-8a24-68594ab52d87_15) | 64 |
| [Effect of Policy Loans](#xx_601f4579-a249-4722-8a24-68594ab52d87_15) | 64 |
| [Policy Surrenders](#xx_601f4579-a249-4722-8a24-68594ab52d87_16) | 65 |
| [Two Ways to Request a Transfer, Loan or Surrender](#xx_601f4579-a249-4722-8a24-68594ab52d87_17) | 66 |
| [Payment of Policy Loans, Surrenders and Death](#xx_601f4579-a249-4722-8a24-68594ab52d87_18)<br> [Benefit Proceeds](#xx_601f4579-a249-4722-8a24-68594ab52d87_18)<br>| 67 |
| [Payment Options](#xx_601f4579-a249-4722-8a24-68594ab52d87_18) | 67 |
| [Deferral of Payments](#xx_601f4579-a249-4722-8a24-68594ab52d87_18) | 67  |

---

------

RiverSource Variable Universal Life 6 Insurance New York — Prospectus 3

------

**Table of Contents**

---

| | |
|:---|:---|
| [Federal Taxes](#xx_601f4579-a249-4722-8a24-68594ab52d87_19) | 68 |
| [RiverSource Life of NY's Tax Status](#xx_601f4579-a249-4722-8a24-68594ab52d87_19) | 68 |
| [Taxation of Policy Proceeds](#xx_601f4579-a249-4722-8a24-68594ab52d87_20) | 69 |
| [Modified Endowment Contracts](#xx_601f4579-a249-4722-8a24-68594ab52d87_22) | 71 |
| [Other Tax Considerations](#xx_601f4579-a249-4722-8a24-68594ab52d87_23) | 72 |
| [Split Dollar Arrangements](#xx_601f4579-a249-4722-8a24-68594ab52d87_24) | 73 |
| [Distribution of the Policy](#xx_601f4579-a249-4722-8a24-68594ab52d87_26) | 75 |
| [Payments to the Selling Firms](#xx_601f4579-a249-4722-8a24-68594ab52d87_26) | 75 |
| [Legal Proceedings](#xx_601f4579-a249-4722-8a24-68594ab52d87_27) | 76 |
| [Householding and Delivery of Certain Documents](#xx_601f4579-a249-4722-8a24-68594ab52d87_28) | 77 |
| [How We Handle Policies Under Unclaimed Property](#xx_601f4579-a249-4722-8a24-68594ab52d87_28)<br> [Laws](#xx_601f4579-a249-4722-8a24-68594ab52d87_28)<br>| 77 |
| [Financial Statements](#xx_601f4579-a249-4722-8a24-68594ab52d87_28) | 77 |
| [Appendix A: Funds Available Under the Policy](#xx_7e7ab970-5958-48a0-8339-0621a81c60e0_1) | 78 |
| [Appendix](#xx_2392cd38-67f9-477c-b3d2-4195dde67086_1)[B](#xx_2392cd38-67f9-477c-b3d2-4195dde67086_1)[: S&P Disclaimer](#xx_2392cd38-67f9-477c-b3d2-4195dde67086_1) | 90 |

---

------

4 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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Key Terms

*These terms can help you understand details about your policy.*

**Accumulation Unit:** An accounting unit used to calculate the value of the Subaccounts.

**Attained Insurance Age:** The Insured's Insurance Age plus the number of Policy Anniversaries since the Policy Date. Attained Insurance Age changes only on a Policy Anniversary.

**Beneficiary:** The person(s) or entity(ies) designated to receive the death benefit Proceeds.

**Cash Surrender Value:** Proceeds received if you surrender the policy in full. The Cash Surrender Value equals the Policy Value minus Indebtedness and any applicable Surrender Charges.

**Close of Business:** The time the New York Stock Exchange (NYSE) closes, 4 p.m. Eastern time unless the NYSE closes earlier.

**Code:** The Internal Revenue Code of 1986, as amended.

**Death Benefit Valuation Date:** The date of the Insured's death when death occurs on a Valuation Date. If the Insured does not die on a Valuation Date, then the Death Benefit Valuation Date is the next Valuation Date following the date of the Insured's death.

**Duration:** The number of years a policy is in force. For example, Duration 1 is the first year the policy is in force and Duration 15 is the 15th year the policy is in force.

**Fixed Account:** The portion of the Policy Value that earns interest at a fixed rate not less than the guaranteed interest rate as shown under Policy Data.

**Fixed Account Value:** The portion of the Policy Value that you allocate to the Fixed Account, including Indebtedness.

**Full Surrender:** The withdrawal of the full Cash Surrender Value and termination of the policy.

**Funds:** Mutual funds or portfolios, each with a different investment objective. (See "The Variable Account and the Funds.") Each of the Subaccounts of the Variable Account invests in a specific one of these Funds.

**Good Order:** We cannot process your transaction request relating to the policy until we have received the request in Good Order at our Service Center. "Good Order" means the actual receipt of the requested transaction in writing, along with all information, forms and supporting legal documentation necessary to effect the transaction. To be in "Good Order," your instructions must be sufficiently clear so that we do not need to exercise any discretion to follow such instructions. This information and documentation generally includes your completed request; the policy number; the transaction amount (in dollars); the names of and allocations to and/or from the Subaccounts, the Indexed Accounts and the Fixed Account affected by the requested transaction; Social Security Number or Taxpayer Identification Number; and

any other information, forms or supporting documentation that we may require. For certain transactions, at our option, we may require the signature of all policy Owners for the request to be in Good Order. With respect to purchase requests, "Good Order" also generally includes receipt of sufficient payment by us to effect the purchase. We may, in our sole discretion, determine whether any particular transaction request is in Good Order, and we reserve the right to change or waive any Good Order requirements at any time.

**Indebtedness:** All existing loans on the policy plus interest that has either been accrued or added to the policy loan.

**Indexed Account:** The portion of the Policy Value that has the ability to earn interest based on a change in the value of one or more designated indexes.

**Insurance Age:** The age of the Insured, based upon his or her nearest birthday on the date of the application.

**Insured:** The person whose life is insured by the policy.

**Lapse:** The policy ends without value and no death benefit is paid.

**Minimum Initial Premium**: The premium amount used to determine if the Minimum Initial Premium Guarantee is in effect. The Minimum Initial Premium is shown under Policy Data and depends on the Insured's Insurance Age, sex (unless unisex rates are required by law), Risk Classification, optional insurance benefits added by rider, the initial Specified amount and death benefit option.

**Minimum Initial Premium Guarantee(MIPG):** A feature of the policy guaranteeing that the policy will remain in force over the Minimum Initial Premium Guarantee Period as long as the Policy Value minus Indebtedness equals or exceeds the monthly deduction. This feature is in effect as long as certain premium payment requirements are met.

**Minimum Initial Premium Period**: The maximum duration the Minimum Initial Premium Guarantee can be in effect if all requirements are met. The Minimum Initial Premium Period is shown under Policy Data.

**Monthly Date:** The same day each month as the Policy Date. If there is no Monthly Date in a calendar month, the Monthly Date is the first day of the next calendar month.

**Net Amount at Risk:** A portion of the death benefit equal to the current death benefit divided by the guaranteed interest rate factor shown under Policy Data minus the Policy Value. This is the amount to which we apply cost of insurance rates in determining the monthly cost of insurance.

**Net Premium:** The premium paid minus the premium expense charge.

------

RiverSource Variable Universal Life 6 Insurance New York — Prospectus 5

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**No-Lapse Guarantee (NLG):** A feature of the policy guaranteeing that the policy will remain in force over the No-Lapse Guarantee Period even if the Cash Surrender Value is insufficient to pay the monthly deduction. This feature is in effect as long as certain premium payment requirements are met.

**No-Lapse Guarantee Period:** The maximum duration the NLG can be in effect if the premium payment requirements are met. The No-Lapse Guarantee Period for the NLG is shown under Policy Data and depends on the Insured's Insurance Age.

**No-Lapse Guarantee Premium:** The premium amount used to determine if the NLG is in effect. The NLG Premium is shown under Policy Data and depends on the Insured's Insurance Age, sex (unless unisex rates are required by law), Risk Classification, optional insurance benefits added by rider, the initial Specified Amount and death benefit option.

**Owner:** The entities to which, or individuals to whom, we issue the policy or to whom you subsequently transfer ownership. The Owner is authorized to make changes to the policy and request transactions involving Policy Value. In the prospectus "you" and "your" refer to the Owner.

**Partial Surrender**: The withdrawal of an amount of the Policy Value that is less than the full Cash Surrender Value. Sometimes we refer to a Partial Surrender as a withdrawal.

**Policy Anniversary:** The same day and month as the Policy Date each year the policy remains in force.

**Policy Data:** The portion of the policy that includes specific information on your policy regarding your policy's benefits, amount and duration of guaranteed charges, premium information, and other benefit data applicable to the Insured.

**Policy Date:** The date we issue the policy and from which we determine policy anniversaries, policy years and policy months. The Policy Date is shown under Policy Data.

**Policy Value:** The sum of the Fixed Account Value plus the Variable Account Value plus the values of the Indexed Account(s).

**Proceeds:** The amount payable under the policy as follows:

• Upon death of the Insured prior to the date the Insured has reached Attained Insurance Age 120, Proceeds will be the death benefit option in effect as of the date of the Insured's death, minus any Indebtedness.

• Upon death of the Insured on or after the Insured has reached Attained Insurance Age 120, Proceeds will be the greater of:

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the Policy Value on the date of the Insured's death minus any Indebtedness on the date of the Insured's death; or

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the death benefit on the Insured's Attained Insurance Age 120 Policy Anniversary minus any

partial surrenders and partial surrender fees occurring after the Insured's Attained Insurance Age 120 Policy Anniversary.

• On Full Surrender of the policy, the Proceeds will be the Cash Surrender Value.

**Pro Rata Basis:** Method for allocating amounts to the Fixed Account and to each of the Subaccounts. It is proportional to the value (minus any Indebtedness in the Fixed Account and/or the value of the Fixed Account that is part of a Special Dollar-Cost Averaging ("SDCA") arrangement) that each bear to the total Policy Value minus Indebtedness, the values of the Indexed Accounts, and the value of the Fixed Account that is part of an SDCA arrangement.

**Risk Classification:** A group of Insureds that RiverSource Life of NY expects will have similar mortality experience.

**RiverSource Life of NY:** In this prospectus, "we," "us," "our" and "RiverSource Life of NY" refer to RiverSource Life Insurance Co. of New York.

**Scheduled Premium:** A premium you select at the time of application, of a level amount, at a fixed interval of time.

**Service Center:** Our department that processes all transaction and service requests for the policies. We consider all transaction and service requests received when they arrive in Good Order at the Service Center. Any transaction or service requests sent or directed to any location other than our Service Center may end up delayed or not processed. Our Service Center address and telephone number are listed on the first page of the prospectus.

**Specified Amount:** An amount chosen by you that we use to determine the death benefit and the Proceeds payable upon death of the Insured prior to the Insured's Attained Insurance Age 120 Policy Anniversary. If death benefit option 1 is chosen, this is the amount of life insurance coverage you want. For death benefit option 2 and 3, this is the minimum amount of life insurance coverage. We show the initial Specified Amount you have chosen in your policy.

**Subaccounts:** Each Subaccount is a separate investment division of the Variable Account and invests in a particular portfolio or Fund.

**Surrender Charge:** A charge we assess against the Policy Value at the time of surrender, or if the policy Lapses, during the first ten years of the policy and for ten years after an increase in coverage.

**Valuation Date:** Any normal business day, Monday through Friday, on which the New York Stock Exchange (NYSE) is open, up to the time it closes, generally 4:00 PM Eastern Time. At the NYSE close, the next Valuation Date begins. We calculate the Accumulation Unit value of each Subaccount on each Valuation Date. If we receive your transaction request at our Service Center before the Close of Business, we will process your transaction using the Accumulation Unit value we calculate on the Valuation Date we received your transaction request in Good Order. On the other hand, if we receive your

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6 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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transaction request in Good Order at our Service Center at or after the Close of Business, we will process your transaction using the Accumulation Unit value we calculate on the next Valuation Date. If you make a transaction request by telephone (including by fax), you must have completed your transaction by the Close of Business in order for us to process it using the Accumulation Unit value we calculate on that Valuation Date. If you were not able to complete your transaction before the Close of Business for any reason, including telephone service interruptions or delays due to high call volume, we will process your transaction using the Accumulation Unit value we calculate on the next Valuation Date.

**Valuation Period:** The interval that commences at the Close of Business on each Valuation Date and goes up to the Close of Business on the next Valuation Date.

**Variable Account:** RiverSource of New York Variable Life Separate Account consisting of Subaccounts, each of which invests in a particular Fund. The Policy Value in each Subaccount depends on the performance of the particular Fund.

**Variable Account Value:** The sum of the values that you allocate to the Subaccounts of the Variable Account.

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 7

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Key Information Table

Important Information You Should Consider About the Policy

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| **FEES AND EXPENSES** | &nbsp;&nbsp; **Location in** <br> **Statutory** <br> **Prospectus**<br>|

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| **Charges for Early** <br> **Withdrawals**<br>| &nbsp;&nbsp; If you surrender your policy for its full Cash Surrender Value, or the policy <br> Lapses, during the first ten years and for ten years after requesting an <br> increase in the Specified Amount, you will incur a surrender charge. The <br> Surrender Charges are set based on various factors such as the Insured's <br> Insurance Age (or Attained Insurance Age at the time of a requested <br> increase in the Specified Amount), Risk Classification, and the number of <br> years the policy has been in force (or for the number of years from the <br> effective date of an increase in the Specified Amount).<br> The maximum initial Surrender Charge rate that would be charged on any <br> policy would be $47.50per $1,000 of Initial Specified Amount. Therefore, <br> if a Full Surrender occurs on a policy that was issued with a $1,000,000 <br> Initial Specified Amount, the maximum initial Surrender Charge would be <br> $47,500 which is $47.50 times $1,000,000 divided by 1,000.<br> The surrender charges are shown under the Policy Data page of your policy. | &nbsp;&nbsp; **Fee Tables**<br> **Transaction Fees**<br> **Base Policy** <br> **Charges**<br>|

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| **Transaction** <br> **Charges**<br>| &nbsp;&nbsp; In addition to surrender charges, you may also incur charges on other <br> transactions, such as a premium expense charge, partial surrender <br> charge, express mail fee, electronic fund transfer fee, and fees imposed <br> when exercising your rights under the Accelerated Benefit Rider for <br> Terminal Illness, Overloan Protection Benefit, Accidental Death Benefit <br> Rider and the Accounting Value Increase. If you take a loan against the <br> policy, you will be charged a loan interest rate on any outstanding balance <br> until the loan is paid off. | **Fee Tables** |

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| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | &nbsp;&nbsp; In addition to surrender charges and transaction charges, an investment in <br> the policy is subject to certain ongoing fees and expenses, including fees <br> and expenses covering the cost of insurance under the policy and the cost <br> of the following riders if elected as optional benefits available under the <br> policy: Accounting Value Increase Rider, Accidental Death Benefit Rider, <br> Children's Insurance Rider, Waiver of Monthly Deduction Rider, Waiver of <br> Premium Rider and the *AdvanceSource* Accelerated Benefit for *CI* if they <br> are elected as optional benefits available under the policy. Such fees and <br> expenses are set based on various factors such as the Insured's Risk <br> Classification, Insurance Age, sex and the number of years the policy is in <br> force. You should review the rates, fees and charges under the Policy Data <br> page of your policy.<br> You will also bear expenses on the Policy Value in Indexed Accounts at an <br> annual rate of 0.60% applied monthly.<br> You will also bear expenses associated with the Funds offered under the <br> policy, as shown in the following table: | &nbsp;&nbsp; In addition to surrender charges and transaction charges, an investment in <br> the policy is subject to certain ongoing fees and expenses, including fees <br> and expenses covering the cost of insurance under the policy and the cost <br> of the following riders if elected as optional benefits available under the <br> policy: Accounting Value Increase Rider, Accidental Death Benefit Rider, <br> Children's Insurance Rider, Waiver of Monthly Deduction Rider, Waiver of <br> Premium Rider and the *AdvanceSource* Accelerated Benefit for *CI* if they <br> are elected as optional benefits available under the policy. Such fees and <br> expenses are set based on various factors such as the Insured's Risk <br> Classification, Insurance Age, sex and the number of years the policy is in <br> force. You should review the rates, fees and charges under the Policy Data <br> page of your policy.<br> You will also bear expenses on the Policy Value in Indexed Accounts at an <br> annual rate of 0.60% applied monthly.<br> You will also bear expenses associated with the Funds offered under the <br> policy, as shown in the following table: | &nbsp;&nbsp; In addition to surrender charges and transaction charges, an investment in <br> the policy is subject to certain ongoing fees and expenses, including fees <br> and expenses covering the cost of insurance under the policy and the cost <br> of the following riders if elected as optional benefits available under the <br> policy: Accounting Value Increase Rider, Accidental Death Benefit Rider, <br> Children's Insurance Rider, Waiver of Monthly Deduction Rider, Waiver of <br> Premium Rider and the *AdvanceSource* Accelerated Benefit for *CI* if they <br> are elected as optional benefits available under the policy. Such fees and <br> expenses are set based on various factors such as the Insured's Risk <br> Classification, Insurance Age, sex and the number of years the policy is in <br> force. You should review the rates, fees and charges under the Policy Data <br> page of your policy.<br> You will also bear expenses on the Policy Value in Indexed Accounts at an <br> annual rate of 0.60% applied monthly.<br> You will also bear expenses associated with the Funds offered under the <br> policy, as shown in the following table: | &nbsp;&nbsp; **Fee Tables**<br> **Transaction Fees**<br> **Base Policy** <br> **Charges** |
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | **Annual Fee** | **Minimum** | **Maximum** | &nbsp;&nbsp; **Fee Tables**<br> **Transaction Fees**<br> **Base Policy** <br> **Charges** |
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | &nbsp;&nbsp; Underlying Fund options<br> (Funds fees and expenses)<sup>(1)</sup> <br>| 0.26% | 2.07% | &nbsp;&nbsp; **Fee Tables**<br> **Transaction Fees**<br> **Base Policy** <br> **Charges** |
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | <sup>(1)</sup> As a percentage of fund assets. | <sup>(1)</sup> As a percentage of fund assets. | <sup>(1)</sup> As a percentage of fund assets. | &nbsp;&nbsp; **Fee Tables**<br> **Transaction Fees**<br> **Base Policy** <br> **Charges** |

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|  | **RISKS** |  |
| **Risk of Loss** | You can lose money by investing in this policy including loss of principal. | **Principal Risks**  |

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8 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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| **RISKS** | &nbsp;&nbsp; **Location in** <br> **Statutory** <br> **Prospectus**<br>|

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| **Not a Short-Term** <br> **Investment**<br>| &nbsp;&nbsp; The policy is not suitable as a short-term investment and is not appropriate <br> for an investor who needs ready access to cash.<br> The policy is a long-term investment that is primarily intended to provide a <br> death benefit that we pay to the Beneficiary upon the Insured's death.<br> Your policy has little or no Cash Surrender Value in the early policy years. <br> During early policy years the Cash Surrender Value may be less than the <br> premiums you pay for the policy.<br> Your ability to take partial surrenders is limited. You cannot take partial <br> surrenders during the first policy year. | **Principal Risks** |
| **Risks Associated** <br> **with Investment** <br> **Options**<br>| &nbsp;&nbsp; An investment in the policy is subject to the risk of poor investment <br> performance and can vary depending on the performance of the <br> investment options available under the policy.<br> Each investment option (including the Fixed Account and the Indexed <br> Accounts) has its own unique risks.<br> You should review the investment options before making an investment <br> decision.<br> If the death benefit is option 2, the death benefit could decrease from the <br> death benefit on the previous Valuation Date due to adverse investment <br> experience. | &nbsp;&nbsp; **Principal Risks**<br> **The Variable** <br> **Account and the** <br> **Funds**<br>|
| **Insurance** <br> **Company Risks**<br>| &nbsp;&nbsp; An investment in the policy is subject to the risks related to RiverSource <br> Life of NY. Any obligations (including under the Fixed Account) and the <br> Indexed Accounts or guarantees and benefits of the policy that exceed the <br> assets of the Variable Account are subject to RiverSource Life of NY's <br> claims-paying ability. If RiverSource Life of NY experiences financial <br> distress, RiverSource Life of NY may not be able to meet their obligations <br> to you. More information about RiverSource Life of NY, including their <br> financial strength ratings, is available by contacting RiverSource Life of NY <br> at 1-800-541-2251.<br> Additional information regarding the financial strength of RiverSource Life <br> of NY can be accessed at: strengthandsoundness.com. | &nbsp;&nbsp; **Principal Risks**<br> **The General** <br> **Account**<br>|
| **Policy Lapse** | &nbsp;&nbsp; Insufficient premium payments, fees and expenses, poor investment <br> performance, full and partial surrenders, and unpaid loans or loan interest <br> may cause the policy to Lapse. There is a cost associated with reinstating <br> a Lapsed policy. Death benefits will not be paid if the policy has Lapsed. <br> Your policy may not Lapse if the No Lapse Guarantee or the Minimum Initial <br> Premium Guarantee is in effect. Also, your policy enters a grace period <br> before Lapsing, allowing you additional time to pay the amount required to <br> keep the policy in force. | &nbsp;&nbsp; **Keeping the Policy** <br> **in Force** <br>|

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 9

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|  | **RESTRICTIONS** | &nbsp;&nbsp; **Location in** <br> **Statutory** <br> **Prospectus**<br>|
| **Investments** | &nbsp;&nbsp; •We reserve any right to limit transfers of value from a Subaccount to <br> one or more Subaccounts or to the Fixed Account to five per policy year, <br> and we may suspend or modify this transfer privilege at any time with <br> the necessary approval of the Securities and Exchange Commission.<br>• Your transfers among the Subaccounts are subject to policies designed <br> to deter market timing.<br>• The minimum transfer amount from an investment option is $50, if <br> automated, and $250 by mail or telephone.<br>• On the Insured's Attained Insurance Age 120 anniversary, any Policy <br> Value in the Subaccounts will be transferred to the Fixed Account and <br> may not be transferred to any Subaccount or Indexed Account.<br>• You may only transfer into and out of the Fixed Account on a Policy <br> Anniversary, unless you automate such transfers.<br>• Restrictions into and out of the Indexed Accounts apply.<br> • We reserve the right to close, merge or substitute Funds as investment <br> options.<br>• We also reserve the right, upon notification to you, to close or restrict <br> any Funds. We will obtain any necessary approval of the Securities and <br> Exchange Commission.<br>• We generally limit purchase payments in excess of $1,000,000. | &nbsp;&nbsp; **Transfers Among** <br> **the Fixed** <br> **Account, Indexed** <br> **Accounts and** <br> **Subaccounts** <br> **Substitution of** <br> **Investments**<br> **Optional** <br> **Benefits —** <br> **Investment** <br> **Allocation** <br> **Restrictions for** <br> **Certain Benefit** <br> **Riders**<br>|
| **Optional Benefits** | &nbsp;&nbsp; •  • **Accelerated Benefit Rider for Terminal Illness (ABRTI)**: The ABRTI <br> has certain conditions that must be satisfied to exercise the benefit of <br> these riders. <br>• **Accidental Death Benefit Rider (ADB)**: The ADB is not available for all <br> Insurance Ages or Risk Classifications that would be Insured under the <br> base policy. The ADB has termination dates prior to the termination date <br> of the base policy. The ADB has certain conditions that must be <br> satisfied to exercise the benefit of these riders.<br>• **Automatic Increase Benefit Rider (AIBR)**: The AIBR is only available at <br> policy issuance. The AIBR is not available for all Insurance Ages or Risk <br> Classifications that would be Insured under the base policy. The AIBR <br> has termination dates prior to the termination date of the base policy. <br>• **Children's Insurance Rider (CIR)**: The CIR is not available for all <br> Insurance Ages or Risk Classifications that would be Insured under the <br> base policy. The CIR has termination dates prior to the termination date <br> of the base policy. The CIR provides death benefit proceeds on someone <br> other than the Insured of the base policy.<br>• **Waiver of Monthly Deduction Rider (WMD)**: The WMD is not available <br> for all Insurance Ages or Risk Classifications that would be Insured <br> under the base policy. The WMD has termination dates prior to the <br> termination date of the base policy. The WMD has certain conditions <br> that must be satisfied to exercise the benefit of these riders. <br>• **Waiver of Premium Rider (WP)**: The WP is not available for all Insurance <br> Ages or Risk Classifications that would be Insured under the base <br> policy. The WP has termination dates prior to the termination date of the <br> base policy. The WP has certain conditions that must be satisfied to <br> exercise the benefit of these riders. <br>• **AdvanceSource Accelerated Benefit Rider - for Chronic** <br> **Illness (ASR-*CI*)**: The ASR-CI is only available at policy issuance. The <br> ASR-CI is not available for all Insurance Ages or Risk Classifications that <br> would be Insured under the base policy. The ASR-CI has certain <br> conditions that must be satisfied to exercise the benefit of these riders. | &nbsp;&nbsp; **Additional** <br> **Information About** <br> **Standard Benefits** <br> **(Other than** <br> **Standard Death** <br> **Benefits)** <br>|

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10 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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|  | **TAXES** | &nbsp;&nbsp; **Location in** <br> **Statutory** <br> **Prospectus**<br>|
| **Tax Implications** | &nbsp;&nbsp; •You should consult with a tax professional to determine the tax <br> implications of an investment in and payments received under the policy.<br>• If you purchased the policy through a tax-qualified plan, there is no <br> additional tax deferral benefit under the policy. Earnings under your <br> policy are taxed at ordinary income tax rates when withdrawn.<br>• If your policy is a modified endowment contract, you may have to pay a <br> 10% tax penalty if you take a withdrawal of earnings before age 59½. | **Taxes** |
|  | **CONFLICTS OF INTEREST** |  |
| **Investment** <br> **Professional** <br> **Compensation**<br>| &nbsp;&nbsp; In general, we pay selling firms and their sales representatives' <br> compensation for selling the policy.<br> In addition to commissions, we may, in order to promote sales of the <br> policies, pay or provide selling firms with other promotional incentives in <br> cash, credit or other compensation. These promotional incentives or <br> reimbursements may be calculated as a percentage of the selling firm's <br> aggregate, net or anticipated sales and/or total assets attributable to <br> sales of the policy, and/or may be a fixed dollar amount. Selling firms and <br> their sales representatives may have a financial incentive to recommend <br> the policy over another investment. | &nbsp;&nbsp; **Distribution of the** <br> **Policy**<br>|
| **Exchanges** | &nbsp;&nbsp; If you already own an insurance policy, some financial representatives may <br> have a financial incentive to offer you a new policy in place of one you <br> already own. You should only exchange an existing policy if you determine, <br> after comparing the features, fees and risks of both policies, that it is <br> better for you to purchase the new policy rather than continue to own your <br> existing policy. | &nbsp;&nbsp; **For additional** <br> **information, see** <br> **1035 exchanges** <br> **under Other Tax** <br> **Considerations**<br>|

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 11

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Overview of the Policy

Purpose

The purpose of the policy is to provide life insurance protection on the life of the Insured and to potentially build Policy Value. The policy is a long-term investment that provides a death benefit that we pay to the Beneficiary upon the Insured's death. This policy may be appropriate for you if you have a long investment time horizon and the policy's terms and conditions are consistent with your financial goals. It is not intended for people whose liquidity needs require early or frequent withdrawals or for people who intend to frequently trade in the policy's variable investment options.

We pay death benefit Proceeds to the chosen Beneficiary when the Insured person under the policy dies. You tell us how much life insurance coverage you want. We call this the "Specified Amount" of insurance. Death benefit Proceeds may be increased by any additional death benefit you have elected, and will be decreased by any outstanding policy loans and loan interest.

Premiums

In applying for your policy, you decide how much you intend to pay and how often you will make any additional payments.

The policy also includes No-Lapse Guarantee benefits, which, subject to certain requirements being met, guarantees the policy will remain in force even if the Cash Surrender Value is insufficient to pay the monthly deduction.

You will choose a Scheduled Premium at the time of application. The Scheduled Premium serves only as an indication of your intent as to the frequency and amount of future premium payments. You may skip Scheduled Premium payments at any time if your Cash Surrender Value is sufficient to pay the monthly deduction or if you have paid sufficient premiums to keep the No-Lapse Guarantee rider in effect.

You may also make unscheduled premium payments at any time and in any amount of at least $25.

We reserve the right to limit the number and amount of unscheduled premium payments. No premium payments, scheduled or unscheduled, are allowed on or after the Insured's Attained Insurance Age 120.

Your policy may Lapse if you do not pay the premiums needed to maintain coverage. In that case, we will not pay a death benefit. See "No Lapse Guarantee" under "Keeping the Policy in Force" section below.

Allocation of Premiums

Until the Policy Date, we hold premiums, if any, in the Fixed Account and we credit interest on any Net Premiums at the current Fixed Account rate. As of the Policy Date, we will allocate the Net Premiums plus accrued interest to the accounts you have selected in your application. At that time, we will begin to assess the monthly deduction and other charges.

You may direct your Net Premiums or transfers to:

• A Fixed Account,

• Indexed Accounts, or

• Subaccounts that invest in underlying Funds.

A complete list of underlying Funds available under the policy can be found in Appendix A: Funds Available Under the Contract.

Policy Features

• **Flexibility.** The policy is designed to be flexible. While the Insured is living, you, as the Owner of the policy, may exercise all of the rights and options described in the policy. You may, within limits, (1) change the amount of insurance, (2) borrow or withdraw amounts you have invested, (3) choose when and how much you invest, (4) choose whether your Policy Value or premium will be added to the Specified Amount when determining Proceeds payable to the Beneficiary upon the Insured's death, and (5) add or delete certain other optional benefits that we make available by rider to your policy, as permitted.

• **Accessing Your Money.** At any time while the policy is in force, you may *fully* surrender your policy in return for its Cash Surrender Value. A Full Surrender will terminate your policy and it cannot be reinstated. At any time after the first policy year, you may *partially* surrender your policy's Cash Surrender Value. A Partial Surrender must be at least $500. Partial Surrenders will also reduce your Policy Value and death benefit and will increase your risk of Lapse. Full Surrenders may be subject to Surrender Charges and Partial Surrenders are subject to surrender processing fees.

• **Death Benefit Options.** You must choose between death benefit **Option 1, Option 2** or **Option 3** at the time of your application. After choosing a death benefit option, you may change it at any time prior to the Insured's Attained Insurance Age 120 Policy Anniversary.

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12 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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

&nbsp;&nbsp;&nbsp;&nbsp;• Death Benefit Option 1: Provides for a death benefit that is equal to the greater of (a) the Specified Amount and (b) a percentage of Policy Value.

&nbsp;&nbsp;&nbsp;&nbsp;• Death Benefit Option 2: Provides for a death benefit that is equal to the greater of (a) the Specified Amount plus the Policy Value and (b) a percentage of Policy Value.

&nbsp;&nbsp;&nbsp;&nbsp;• Death Benefit Option 3: Provides for a death benefit that is equal to the greater of (a) the lesser of (i) the Specified Amount plus premiums paid, less partial surrenders and any Partial Surrender fees, or (ii) the Death Benefit Option 3 Limit shown in your Policy Data pages; and (b) a percentage of Policy Value.

• **Loans.** You may take a loan from your policy at any time. The maximum loan amount you may take is equal to 90% of the Cash Surrender Value. Generally, this allows you to access Policy Value without the taxes and surrender charges associated with a withdrawal. When you take a loan, we remove from your investment options an amount equal to your loan and hold that part of your Policy Value in the Fixed Account as loan collateral. We charge interest on your loan. The loan collateral does not participate in the investment performance of the Subaccounts, nor does it receive indexed interest. Taking a loan may have adverse tax consequences, will reduce the death benefit, and will increase your risk of Lapse.

• **Tax Treatment.** The policy is designed to afford the tax treatment normally accorded life insurance policies under federal tax law. Generally, under federal tax law, the death benefit under a qualifying life insurance policy is excludable from the gross income of the Beneficiary. In addition, under a qualifying life insurance policy, cash value builds up on a tax deferred basis and transfers of cash value among the available investment options under the policy may be made income tax free. The tax treatment of policy loans and distributions may vary depending on whether the policy is a modified endowment contract. Neither distributions nor loans from a policy that is not a modified endowment contract are subject to the 10% penalty tax.

• **Optional Benefit Riders:** The policy offers additional benefits, or "riders," that provide you with supplemental benefits under the policy at an additional cost. These riders include:

&nbsp;&nbsp;&nbsp;&nbsp;• Riders that increase the amount payable upon your death or the death of a family member (i.e., Accidental Death Benefit rider, Children's Insurance Rider and the Automatic Increase Benefit rider).

&nbsp;&nbsp;&nbsp;&nbsp;• Riders that help prevent your Policy from lapsing (i.e., Waiver of Premium rider and Waiver of Monthly Deduction rider).

&nbsp;&nbsp;&nbsp;&nbsp;• Riders that provide for payment of all or part of the death benefit in installment payments prior to the death of the insured (i.e AdvanceSource Accelerated Benefit Rider for Chronic Illness).

&nbsp;&nbsp;&nbsp;&nbsp;• Rider that provides a partial waiver of the Surrender Charge upon a Full Surrender (i.e., Accounting Value Increase rider).

&nbsp;&nbsp;&nbsp;&nbsp;• Riders that provide for payment of part of the death benefit prior to the death of the insured (i.e. Accelerated Benefit Rider for Terminal Illness.) Charges will be incurred upon exercise of this benefit.

• **Additional "Standard" Riders, Features and Services**. Additional riders, features and services under the policy are summarized below. There are no additional charges associated with these features and services.

&nbsp;&nbsp;&nbsp;&nbsp;• Automated Transfers. This feature allows you to automatically transfer Policy Value from either a Subaccount or the Fixed Account to one or more Subaccounts and the Indexed Accounts on a regular basis. Via automated transfers you can take advantage of a dollar cost averaging strategy where you invest in one or more Subaccounts on a regular basis, for example monthly, instead of investing a large amount at one point in time. This systematic approach can help you benefit from fluctuations in Accumulation Unit values caused by the fluctuations in the value of the underlying Fund.

&nbsp;&nbsp;&nbsp;&nbsp;• Asset Rebalancing. The automatic rebalancing feature automatically rebalances your Policy Value in the Subaccounts to correspond to your premium allocation designation. Asset rebalancing does not count towards the number of free transfers per Policy year.

&nbsp;&nbsp;&nbsp;&nbsp;• No-Lapse Guarantee. Guarantees the policy will remain in force over the No-Lapse Guarantee Period even if the Cash Surrender Value is insufficient to pay the monthly deduction. This feature is in effect so long as certain premium payment requirements are met.

&nbsp;&nbsp;&nbsp;&nbsp;• Riders that help prevent your policy from Lapsing (i.e., Overloan Protection Benefit).

&nbsp;&nbsp;&nbsp;&nbsp;• Policy Value Credit. We may periodically apply a credit to your Policy Value.

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 13

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Fee Tables

**The following tables describe the fees and expenses that you will pay when buying, owning and surrendering or making withdrawals from the policy. Please refer to your Policy Data page for information about the specific fees you will pay each year based on the options you have elected.** 

**The first table describes the fees and expenses that you will pay at the time that you buy the policy, surrender or make withdrawals from the policy or transfer cash value between investment options.**

Transaction Fees

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| | | |
|:---|:---|:---|
| **CHARGE** | **WHEN CHARGE IS DEDUCTED** | **AMOUNT DEDUCTED** |
| **Maximum Sales Charge** <br> **Imposed on Premiums** <br> **(Load)**<sup>(a)</sup> <br>| When you pay premium. | 4% of each premium payment. |
| **Premium Taxes** | When you pay premium as <br> part of the premium expense <br> charge.<br>| A portion of the premium expense charge is used to pay <br> state premium taxes imposed on us by state and <br> governmental subdivisions. See discussion <br> under "Premium Expense Charge."<br>|
| **Maximum Deferred Sales** <br> **Charge (Load)**<sup>(b)</sup>  | When you surrender your <br> policy for its full Cash <br> Surrender Value, or the policy <br> Lapses, during the first ten <br> years and for ten years after <br> requesting an increase in the <br> Specified Amount. These <br> rates grade down over <br> 10 years to zero. | Initial Rate per $1,000 of initial Specified Amount: |
| **Maximum Deferred Sales** <br> **Charge (Load)**<sup>(b)</sup>  | When you surrender your <br> policy for its full Cash <br> Surrender Value, or the policy <br> Lapses, during the first ten <br> years and for ten years after <br> requesting an increase in the <br> Specified Amount. These <br> rates grade down over <br> 10 years to zero. | **Minimum:** $11.13 — Female, Standard Nontobacco, <br> Insurance Age 0.<br>|
| **Maximum Deferred Sales** <br> **Charge (Load)**<sup>(b)</sup>  | When you surrender your <br> policy for its full Cash <br> Surrender Value, or the policy <br> Lapses, during the first ten <br> years and for ten years after <br> requesting an increase in the <br> Specified Amount. These <br> rates grade down over <br> 10 years to zero. | **Maximum:** $47.50 — Male, Standard Tobacco, <br> Insurance Age 59.<br>|
| **Maximum Deferred Sales** <br> **Charge (Load)**<sup>(b)</sup>  | When you surrender your <br> policy for its full Cash <br> Surrender Value, or the policy <br> Lapses, during the first ten <br> years and for ten years after <br> requesting an increase in the <br> Specified Amount. These <br> rates grade down over <br> 10 years to zero. | **Representative Insured:** $12.03 — Female, Preferred <br> Nontobacco, Insurance Age 45.<br>|
| **Other Surrender Fees**<sup>(c)</sup>  | When you surrender part of <br> the value of your policy. | The lesser of: |
| **Other Surrender Fees**<sup>(c)</sup>  | When you surrender part of <br> the value of your policy. | •$25; or |
| **Other Surrender Fees**<sup>(c)</sup>  | When you surrender part of <br> the value of your policy. | •2% of the amount surrendered. |
| **Transfer Fees** | N/A | N/A |
| **Fees for Express Mail and** <br> **Electronic Fund Transfers of** <br> **Loan or Surrender Proceeds** | When you take a loan or <br> surrender and Proceeds are <br> sent by express mail or <br> electronic fund transfer. | •$30 — United States. |
| **Fees for Express Mail and** <br> **Electronic Fund Transfers of** <br> **Loan or Surrender Proceeds** | When you take a loan or <br> surrender and Proceeds are <br> sent by express mail or <br> electronic fund transfer. | •$35 — International. |
| **Interest Rate on Loans** <sup>(d)</sup>  | Charged daily and due at the <br> end of the policy year. | For policy applications signed on or after <br> December 4, 2020:<br>•3% for policy years 1-10;<br> 1% for policy years 11+.<br>|
| **Interest Rate on Loans** <sup>(d)</sup>  | Charged daily and due at the <br> end of the policy year. | For policy applications signed before December 4, 2020:<br> •4% for policy years 1-10;<br> 2% for policy years 11+.<br>|

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(a) We call this the premium expense charge in other places in this prospectus.

(b) We call this a Surrender Charge in other places in this prospectus, and it decreases monthly until it reaches $0 at the end of year 10. This charge varies based on individual characteristics. The charges shown in the table may not be representative of the charge you will pay. For information about the charge you would pay, contact your sales representative or RiverSource Life at the address or telephone number shown on the first page of this prospectus.

(c) We call this the partial Surrender Charge in other places in this prospectus.

(d) The loan interest rate charged is offset by the minimum guaranteed rate of interest rate of 1% (2% for policy applications signed before December 4, 2020) earned on the Fixed Account that is credited on the loan collateral.

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14 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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Transaction Fees (continued)

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| | | |
|:---|:---|:---|
| **CHARGE** | **WHEN CHARGE IS DEDUCTED** | **AMOUNT DEDUCTED** |
| **Interest Rate on Payments** <br> **under Accelerated Benefit** <br> **Rider for Terminal Illness** <br> **(ABRTI)** | Annually, payable at the end <br> of each policy year. | •For that part of the accelerated benefit which does not <br> exceed Policy Value available for policy loans when an <br> accelerated benefit is requested, we will charge the <br> policy's Guaranteed Loan Interest Rate shown under <br> Policy Data (currently 3% for policy years 1-10 and <br> 1.25% for policy years 11+) (4% for policy years 1-10 <br> and 2.25% for Policy applications signed prior to <br> December 4, 2020).<br>|
| **Interest Rate on Payments** <br> **under Accelerated Benefit** <br> **Rider for Terminal Illness** <br> **(ABRTI)** | Annually, payable at the end <br> of each policy year. | •For that part of the accelerated benefit which exceeds <br> Policy Value available for policy loans when the <br> accelerated benefit is requested, the greatest of:<br>|
| **Interest Rate on Payments** <br> **under Accelerated Benefit** <br> **Rider for Terminal Illness** <br> **(ABRTI)** | Annually, payable at the end <br> of each policy year. | •the current yield on 90-day Treasury bills, or |
| **Interest Rate on Payments** <br> **under Accelerated Benefit** <br> **Rider for Terminal Illness** <br> **(ABRTI)** | Annually, payable at the end <br> of each policy year. | •the current maximum statutory adjustable policy <br> loan interest rate, or<br>|
| **Interest Rate on Payments** <br> **under Accelerated Benefit** <br> **Rider for Terminal Illness** <br> **(ABRTI)** | Annually, payable at the end <br> of each policy year. | •the policy's Guaranteed Loan Interest Rate shown <br> under Policy Data (currently 3% for policy years 1-10 <br> and 1.25% for policy years 11+) (4% for policy years <br> 1-10 and 2.25% for Policy applications signed prior <br> to December 4, 2020).<br>|
| **Overloan Protection Benefit** <br> **(OPB)**<br>| Upon exercise of Benefit. | 3% of the Policy Value. |

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 15

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**The next table describes the fees and expenses that you will pay periodically during the time that you own the policy, not including Fund fees and expenses.**

Periodic Charges Other than Annual Fund Expenses

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| | | |
|:---|:---|:---|
| **CHARGE** | **WHEN CHARGE IS DEDUCTED** | **AMOUNT DEDUCTED** |
| **Base Policy Charge** (also <br> referred to as policy fee) | Monthly. | $10.00 per month for initial Specified Amounts below <br> $1,000,000; and<br>|
| **Base Policy Charge** (also <br> referred to as policy fee) | Monthly. | $0 per month for initial Specified Amounts of <br> $1,000,000 and above.<br>|
| **Cost of Insurance Charge**<sup>(a)</sup> | Monthly. | <u>Monthly rate per $1,000 of Net Amount at Risk:</u> |
| **Cost of Insurance Charge**<sup>(a)</sup> | Monthly. | **Minimum:** $0.005 — Female, Standard Nontobacco, <br> Insurance Age 0, Duration5.<br>|
| **Cost of Insurance Charge**<sup>(a)</sup> | Monthly. | **Maximum:** $57.6325 – Male, Standard Tobacco, <br> Insurance Age 85, Duration28.<br>|
| **Cost of Insurance Charge**<sup>(a)</sup> | Monthly. |  |
| **Cost of Insurance Charge**<sup>(a)</sup> | Monthly. | **Representative Insureds:** $0.0275 – Female, $500,000 <br> Specified Amount, Preferred Nontobacco, Insurance <br> Age 45, Duration1.<br>|
| **Administrative Charge**<sup>(a)</sup>  | Monthly. | <u>Monthly Rate per $1,000 of initial Specified Amount:</u> |
| **Administrative Charge**<sup>(a)</sup>  | Monthly. | **Minimum:** $0.096 — Female, Standard Nontobacco, <br> Insurance Age 0, Duration1.<br>|
| **Administrative Charge**<sup>(a)</sup>  | Monthly. | **Maximum:** $4.073 — Male, Standard Tobacco, <br> Insurance Age 85, Duration1.<br>|
| **Administrative Charge**<sup>(a)</sup>  | Monthly. |  |
| **Administrative Charge**<sup>(a)</sup>  | Monthly. | **Representative Insured:** $0.194 Female, Preferred <br> Nontobacco, Insurance Age 45, Duration1.<br>|
| **Indexed Account Charge**<sup>(b)</sup> | Monthly. | Annual rate of 0.60% applied monthly. |
| **Mortality and Expense Risk** <br> **Charge**<br>| Monthly. | Annual rate of 0.00% applied monthly to the Variable <br> Account Value.<br>|
| **Optional Benefit Charges:** |  |  |
| **Accidental Death Benefit** <br> **Rider (ADB)**<sup>(a)</sup> | Monthly. | <u>Monthly rate per $1,000 of initial ADB Specified Amount:</u> |
| **Accidental Death Benefit** <br> **Rider (ADB)**<sup>(a)</sup> | Monthly. | **Minimum:** $0.04 — Female, Standard Nontobacco, <br> Attained Insurance Age5.<br>|
| **Accidental Death Benefit** <br> **Rider (ADB)**<sup>(a)</sup> | Monthly. | **Maximum:** $0.16 — Male, Standard Tobacco, Attained <br> Insurance Age69.<br>|
| **Accidental Death Benefit** <br> **Rider (ADB)**<sup>(a)</sup> | Monthly. |  |
| **Accidental Death Benefit** <br> **Rider (ADB)**<sup>(a)</sup> | Monthly. | **Representative Insured:** $0.04 — Female, Preferred <br> Nontobacco, Attained Insurance Age45.<br>|
| **Automatic Increase Benefit** <br> **Rider (AIBR)**<br>| No charge. | No charge for this rider, however, the additional <br> insurance added by the rider is subject to monthly cost of <br> insurance charges.<br>|
| **Children's Insurance Rider** <br> **(CIR)**<br>| Monthly. | <u>Monthly rate per $1,000 of CIR Specified Amount:</u><br> $0.58.<br>|

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(a) This charge varies based on individual characteristics. The charges shown in the table may not be representative of the charge you will pay. For information about the charge you would pay, contact your sales representative or RiverSource Life of NY at the address or telephone number shown on the first page of this prospectus.

(b) The Indexed Account charge is equal to the sum of the charges for all Indexed Accounts. The charge for an Indexed Account is equal to the current Indexed Account charge for that Indexed Account multiplied by the sum of the Segment values corresponding to that Indexed Account as of the Monthly Date.

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16 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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Periodic Charges Other than Annual Fund Expenses (continued)

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| | | |
|:---|:---|:---|
| **CHARGE** | **WHEN CHARGE IS DEDUCTED** | **AMOUNT DEDUCTED** |
| **Waiver of Monthly Deduction** <br> **Rider (WMD)**<sup>(a)</sup> | Monthly. | <u>Monthly rate per $1,000 of Net Amount at Risk:</u> |
| **Waiver of Monthly Deduction** <br> **Rider (WMD)**<sup>(a)</sup> | Monthly. | **Minimum:** $0.00692 — Female, Nontobacco, Attained <br> Insurance Age20.<br>|
| **Waiver of Monthly Deduction** <br> **Rider (WMD)**<sup>(a)</sup> | Monthly. | **Maximum:** $0.34212 — Male, Standard Tobacco, <br> Attained Insurance Age59.<br>|
| **Waiver of Monthly Deduction** <br> **Rider (WMD)**<sup>(a)</sup> | Monthly. |  |
| **Waiver of Monthly Deduction** <br> **Rider (WMD)**<sup>(a)</sup> | Monthly. | **Representative Insured:** $0.0401 — Female, Preferred <br> Nontobacco, Attained Insurance Age45.<br>|
| **Waiver of Premium Rider** <br> **(WP)**<sup>(a)(b)</sup> | Monthly. | <u>Monthly rate multiplied by the greater of the</u> <br> <u>monthly-specified premium selected for the rider or the</u> <br> <u>monthly deduction for the policy and any other riders</u> <br> <u>attached to the policy.</u><br>|
| **Waiver of Premium Rider** <br> **(WP)**<sup>(a)(b)</sup> | Monthly. | **Minimum:** $0.03206 — Male, Nontobacco, Attained <br> Insurance Age20.<br>|
| **Waiver of Premium Rider** <br> **(WP)**<sup>(a)(b)</sup> | Monthly. | **Maximum:** $0.40219 — Female, Standard Tobacco, <br> Attained Insurance Age59.<br>|
| **Waiver of Premium Rider** <br> **(WP)**<sup>(a)(b)</sup> | Monthly. |  |
| **Waiver of Premium Rider** <br> **(WP)**<sup>(a)(b)</sup> | Monthly. | **Representative Insured:** $0.09087 — Female, Preferred <br> Nontobacco, Attained Insurance Age45.<br>|
| ***AdvanceSource***<sup>®</sup> **Accelerated** <br> **Benefit Rider for Chronic** <br> **Illness (ASR)**<sup>(a)(c)(d)</sup> | Monthly (while the rider is in <br> effect). | <u>Monthly rate per $1,000 of the rider Net Amount at Risk:</u> |
| ***AdvanceSource***<sup>®</sup> **Accelerated** <br> **Benefit Rider for Chronic** <br> **Illness (ASR)**<sup>(a)(c)(d)</sup> | Monthly (while the rider is in <br> effect). | **Minimum:** $0.0025, Male, Super Preferred Nontobacco, <br> Insurance Age 20, Duration 1, 1% Monthly Benefit <br> Percent.<br>|
| ***AdvanceSource***<sup>®</sup> **Accelerated** <br> **Benefit Rider for Chronic** <br> **Illness (ASR)**<sup>(a)(c)(d)</sup> | Monthly (while the rider is in <br> effect). | **Maximum:** $37.2775, Female, Standard Tobacco, <br> Insurance Age 20, Duration 100, 3% Monthly Benefit <br> Percent.<br>|
| ***AdvanceSource***<sup>®</sup> **Accelerated** <br> **Benefit Rider for Chronic** <br> **Illness (ASR)**<sup>(a)(c)(d)</sup> | Monthly (while the rider is in <br> effect). |  |
| ***AdvanceSource***<sup>®</sup> **Accelerated** <br> **Benefit Rider for Chronic** <br> **Illness (ASR)**<sup>(a)(c)(d)</sup> | Monthly (while the rider is in <br> effect). | **Representative Insured:** $0.0050, Female, Preferred <br> Nontobacco, Insurance Age 45, Duration 1, 2% Monthly <br> Benefit Percent.<br>|
| **Accelerated Benefit Rider** <br> **for Terminal Illness Charge** <br> **(ABRTI)**<br>| Upon payment of the <br> accelerated benefit.<br>| The fee for an Accelerated Benefit payment is $250. |
| **Accounting Value Increase** <br> **Rider (AVIR)**<sup>(a</sup>)  | Monthly. | <u>Monthly rate per $1,000 of initial Specified Amount:</u> |
| **Accounting Value Increase** <br> **Rider (AVIR)**<sup>(a</sup>)  | Monthly. | **Minimum:** $0.0325— Male, Nontobacco, Insurance Age <br> 85.<br>|
| **Accounting Value Increase** <br> **Rider (AVIR)**<sup>(a</sup>)  | Monthly. | **Maximum:** $0.0629— Female, Tobacco, Insurance Ages <br> 35-55.<br>|
| **Accounting Value Increase** <br> **Rider (AVIR)**<sup>(a</sup>)  | Monthly. |  |
| **Accounting Value Increase** <br> **Rider (AVIR)**<sup>(a</sup>)  | Monthly. | **Representative Insured:** $0.0538 — Female, <br> Nontobacco, Age 45.<br>|

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(a) This charge varies based on individual characteristics. The charges shown in the table may not be representative of the charge you will pay. For information about the charge you would pay, contact your sales representative or RiverSource Life of NY at the address or telephone number shown on the first page of this prospectus.

(b) This rider does not include waiver for involuntary unemployment.

(c) The monthly cost of insurance rate is based on the Accelerated Benefit Insured's sex, Risk Classification, Issue Age, Duration and the Monthly Benefit Percent shown in the "Policy Data" section of the policy. The cost of insurance rates for this rider will not exceed the guaranteed maximum monthly cost of insurance rates for this rider shown in the "Policy Data" section of the policy.

(d) This rider is only available for policies purchased under the Option 1 death benefit.

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 17

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Total Annual Operating Expenses of the Funds

**The next table provides the minimum and maximum total operating expenses charged by the underlying Funds**<sup>(1)</sup> **that you may pay periodically during the time that you own the policy. A complete list of Funds available under the policy, including their annual expenses, may be found in Appendix A: Funds Available Under the Contract.**

**Minimum and maximum annual operating expenses for the Funds** 

(Including management fees and other expenses)<sup>(1)</sup>

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| | | |
|:---|:---|:---|
| **Total Annual Fund Expenses** | **Minimum(%)** | **Maximum(%)** |
| (expenses deducted from the Fund assets, including management fees, distribution and/or service <br> (12b-1) fees and other expenses)<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.26 | 2.07 |

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(1) Total annual Fund operating expenses are deducted from amounts that are allocated to the Fund. They include management fees and other expenses. Other expenses may include service fees that may be used to compensate service providers, including us and our affiliates, for administrative and contract owner services provided on behalf of the Fund. The amount of these payments will vary by Fund and may be significant. See "The Variable Account and the Funds" for additional information, including potential conflicts of interest these payments may create. For a more complete description of each Fund's fees and expenses and important disclosure regarding payments the Fund and/or its affiliates make, please review the Fund's prospectus and SAI.

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18 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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Principal Risks of Investing in the Policy

**Policy Risk and What It Means** 

**Risks of Poor Investment Performance.** If you direct your Net Premiums or transfer your Policy's Value to a Subaccount that drops in value:

&nbsp;&nbsp;&nbsp;&nbsp;• You can lose cash value due to adverse investment experience. There is no minimum guaranteed cash value under the Subaccounts of the Variable Account.

&nbsp;&nbsp;&nbsp;&nbsp;• If the death benefit option is option 2, the death benefit could decrease from the death benefit on the previous Valuation Date due to adverse investment experience (but at no time will it be less than the Specified Amount).

&nbsp;&nbsp;&nbsp;&nbsp;• Your policy could Lapse due to adverse investment experience if neither the Minimum Initial Premium Guarantee nor the NLG is in effect and you do not pay the premiums needed to maintain coverage.

**Risk of Poor or Negative Index Return.** If the change in value of the underlying index is not positive, you may never receive indexed interest. Also, if the return of the underlying index is positive but insignificant, the indexed interest credited may not be enough to cover your policy fees and charges. In both cases, with policy fees and charges, you could lose more than your investment in the Indexed Accounts.

**The Policy is Unsuitable as a Short-term Savings Vehicle.** The policy is a long-term investment that provides a death benefit that we pay to the Beneficiary upon the Insured's death.

The policy is not suitable as a short-term investment. Your policy has little or no Cash Surrender Value in the early policy years. Surrender Charges apply to this policy for the first ten years (and ten years after an increase in the Specified Amount). Surrender Charges can significantly reduce Policy Values. During early policy years the Cash Surrender Value may be less than the premiums you pay for the policy.

Your ability to take Partial Surrenders is limited. You cannot take Partial Surrenders during the first policy year.

**Risks of Policy Lapse.** If you do not pay the premiums needed to maintain coverage:

&nbsp;&nbsp;&nbsp;&nbsp;• We will not pay a death benefit if your policy Lapses.

&nbsp;&nbsp;&nbsp;&nbsp;• Also, the Lapse may have adverse tax consequences. (See "Possibility of Adverse Tax Consequences.")

Your policy may Lapse due to Surrender Charges.

&nbsp;&nbsp;&nbsp;&nbsp;• Surrender Charges affect the surrender value, which is a measure we use to determine whether your policy will enter a grace period (and possibly Lapse, which may have adverse tax consequences, see "Possibility of Adverse Tax Consequences"). A partial surrender will reduce the Policy Value and the death benefit and may terminate the NLG.

If you take a loan against your policy.

&nbsp;&nbsp;&nbsp;&nbsp;• Taking a loan increases the risk of:

—

policy Lapse (which may have adverse tax consequences, see "Possibility of Adverse Tax Consequences");

—

a permanent reduction of Policy Value;

—

reducing the death benefit.

&nbsp;&nbsp;&nbsp;&nbsp;• Taking a loan may also terminate the Minimum Initial Premium Guarantee and/or the NLG

Your policy can Lapse due to poor investment performance.

&nbsp;&nbsp;&nbsp;&nbsp;• Your policy could Lapse due to adverse investment experience if neither the Minimum Initial Premium Guarantee nor the NLG is in effect and you do not pay the premiums needed to maintain coverage.

&nbsp;&nbsp;&nbsp;&nbsp;• The Lapse may have adverse tax consequences (See "Possibility of Adverse Tax Consequences").

**Exchange/Replacement Risk.** You exchange or replace another policy to buy this one.

&nbsp;&nbsp;&nbsp;&nbsp;• You may pay Surrender Charges on the old policy.

&nbsp;&nbsp;&nbsp;&nbsp;• The new policy has Surrender Charges, which may extend beyond those in the old policy.

&nbsp;&nbsp;&nbsp;&nbsp;• You may be subject to new incontestability and suicide periods on the new policy.

&nbsp;&nbsp;&nbsp;&nbsp;• The new policy's Surrender Charges may be higher than the Surrender Charges in the old policy.

&nbsp;&nbsp;&nbsp;&nbsp;• You may be in a higher insurance risk rating category in the new policy which may increase the cost of the policy.

&nbsp;&nbsp;&nbsp;&nbsp;• If a partial surrender is taken prior to the exchange, you may have adverse tax consequences.

&nbsp;&nbsp;&nbsp;&nbsp;• The exchange may have adverse tax consequences. (See "Possibility of Adverse Tax Consequences.")

You use cash values or dividends from another policy to buy this one, without fully surrendering the other policy.

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 19

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**Policy Risk and What It Means (continued)**

&nbsp;&nbsp;&nbsp;&nbsp;• If you borrow from another policy to buy this one, the loan reduces the death benefit on the other policy. If you fail to repay the loan and accrued interest, you could lose the other coverage and you may be subject to income tax if the policy Lapses or is surrendered with a loan against it. You may have adverse tax consequences. (See "Possibility of Adverse Tax Consequences.")

&nbsp;&nbsp;&nbsp;&nbsp;• If you surrender cash value from another policy to buy this one, you could lose coverage on the other policy. Also, the surrender may be subject to income tax. You may have adverse tax consequences. (See "Possibility of Adverse Tax Consequences.")

**Limitations on Access to Cash Value Through Withdrawals.** Your ability to take Partial Surrenders is limited.

You cannot take Partial Surrenders during the first policy year.

**Possibility of Adverse Tax Consequences.** A policy may be classified as a "modified endowment contract" (MEC) for federal income tax purposes when issued. If a policy is not a MEC when issued, excess funding or certain changes you make to the policy may cause it to become a MEC.

&nbsp;&nbsp;&nbsp;&nbsp;• Any taxable earnings come out first on surrenders or loans from a MEC policy or an assignment or pledge of a MEC policy. Investment in the policy comes out second. Federal income tax on these earnings will apply. State and local income taxes may also apply. If you are under age 59½, a 10% penalty tax may also apply to these earnings.

If you exchange or replace another policy to buy this one.

&nbsp;&nbsp;&nbsp;&nbsp;• If you replace the old policy and it is not part of an exchange under Section 1035 of the Code, there may be adverse tax consequences if the total Policy Value (before reductions for outstanding loans, if any) exceeds your investment in the old policy.

&nbsp;&nbsp;&nbsp;&nbsp;• If you replace the old policy as part of an exchange under Section 1035 of the Code and there is a loan on the old policy, there may be adverse tax consequences if the total Policy Value (before reductions for the outstanding loan) exceeds your investment in the old policy.

&nbsp;&nbsp;&nbsp;&nbsp;• The new policy may be or may become a MEC even if the old policy was not a MEC. See discussion under "Modified Endowment Contracts".

&nbsp;&nbsp;&nbsp;&nbsp;• The exchange may require a portion of the cash value of the old policy to be distributed in order to qualify the new policy as a life insurance policy for federal tax purposes.

If your policy Lapses or is fully surrendered with an outstanding policy loan, you may experience a significant tax cost.

&nbsp;&nbsp;&nbsp;&nbsp;• You will be taxed on any earnings in the policy. Generally, a policy has earnings to the extent the cash value plus any outstanding loans exceeds the investment in the contract.

&nbsp;&nbsp;&nbsp;&nbsp;• For non-MEC policies, it could be the case that a policy with a relatively small existing cash value could have significant as yet untaxed earnings that will be taxed upon Lapse or surrender of the policy.

&nbsp;&nbsp;&nbsp;&nbsp;• For MEC policies, earnings are the remaining earnings (any earnings that have not been previously taxed) in the policy, which could be a significant amount depending on the policy.

You may buy this policy to provide assets that will be available to support your promise to pay benefits under a nonqualified tax-deferred retirement plan.

&nbsp;&nbsp;&nbsp;&nbsp;• Like other general business assets, the policy is subject to the general creditors of the company and may be used to pay any expenses of the company. Thus, the policy might not be available to support a business' obligation to make payments under a nonqualified deferred compensation plan. Please consult with your tax advisor regarding potential Code Section 409A implications.

The company may offer this policy as an option to fund a qualified tax-deferred retirement plan.

&nbsp;&nbsp;&nbsp;&nbsp;• The policy will not provide any necessary or additional tax deferral if it is used to fund a qualified tax-deferred retirement plan. See discussion under "Qualified Tax-deferred retirement plans" for additional tax considerations.

The investments in the Subaccount are not adequately diversified.

&nbsp;&nbsp;&nbsp;&nbsp;• If a policy fails to qualify as a life insurance policy because it is not adequately diversified, the policyholder must include in gross income the "income on the contract" (as defined in Section 7702(g) of the Code).

Congress may change how a life insurance policy is taxed at any time.

The interpretation of current tax law is subject to change by the Internal Revenue Service (IRS) or the courts at any time.

&nbsp;&nbsp;&nbsp;&nbsp;• You could lose any or all of the specific federal income tax attributes and benefits of a life insurance policy including tax-deferred accrual of cash values and income tax free death benefits.

&nbsp;&nbsp;&nbsp;&nbsp;• For non-MEC policies you could lose your ability to take non-taxable distributions or loans from the policy.

&nbsp;&nbsp;&nbsp;&nbsp;• Typically, changes of this type are prospective only, but some or all of the attributes could be affected.

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20 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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**Policy Risk and What It Means (continued)**

The IRS may determine that you are the Owner of the Fund shares held by our Variable Account.

&nbsp;&nbsp;&nbsp;&nbsp;• You may be taxed on the income of each Subaccount to the extent of your interest in the Subaccount.

**Fund Risks.** A comprehensive discussion of the risks of each Fund in which the Subaccounts invest may be found in each Fund's prospectus. Please refer to the prospectuses for the Funds for more information. **The investment advisers cannot guarantee that the Funds will meet their investment objectives.** 

**Market Risk.** Variable life insurance is a complex vehicle that is subject to market risk, including the potential loss of principal invested.

&nbsp;&nbsp;&nbsp;&nbsp;• You may experience loss in Policy Value due to factors that affect the overall performance of the financial markets.

**Financial Strength and Claims Paying Ability Risk.** All insurance benefits, including the death benefit, and all guarantees, including those related to the Fixed Account, are general account obligations that are subject to the financial strength and claims paying ability of RiverSource.

**Cyber Security and Systems Integrity.** Increasingly, businesses are dependent on the continuity, security, and effective operation of various technology systems. The nature of our business depends on the continued effective operation of our systems and those of our business partners. This dependence makes us susceptible to operational and information security risks from cyber-attacks.

These risks may include the following:

&nbsp;&nbsp;&nbsp;&nbsp;• the corruption or destruction of data;

&nbsp;&nbsp;&nbsp;&nbsp;• theft, misuse or dissemination of data to the public, including your information we hold; and

&nbsp;&nbsp;&nbsp;&nbsp;• denial of service attacks on our website or other forms of attacks on our systems and the software and hardware we use to run them.

The risk of cyber-attacks may be higher during periods of geopolitical turmoil. These attacks and their consequences can negatively impact your policy, your privacy, your ability to conduct transactions on your policy, or your ability to receive timely service from us. There can be no assurance that we, the underlying Funds in your policy, or our other business partners will avoid losses affecting your policy due to any successful cyber-attacks or information security breaches.

**Conflict of Interest Risks Related to Certain Funds Advised by Columbia Management.** We are an affiliate of Ameriprise Financial, Inc., which is the parent company of Columbia Management Investment Advisers, LLC (Columbia Management). Columbia Management acts as investment adviser to several Fund of funds, including managed volatility Funds. As such, it retains full discretion over the investment activities and investment decisions of the Funds. These Funds invest in other registered mutual funds. In providing investment advisory services for the Funds and the underlying funds in which those Funds respectively invest, Columbia Management is, together with its affiliates, including us, subject to competing interests that may influence its decisions. These competing interests typically arise because Columbia Management or one of its affiliates serves as the investment adviser to the underlying Funds and may provide other services in connection with such underlying Funds, and because the compensation we and our affiliates receive for providing these investment advisory and other services varies depending on the underlying Fund.

**Managed Volatility Funds' Risks.** Managed volatility Funds employ a strategy designed to reduce overall volatility and downside risk. These Funds may also be used in conjunction with guaranteed living benefit riders we offer with various annuity contracts. Conflicts may arise because the manner in which these Funds and their strategies are executed by Columbia Management are expected to benefit us by reducing our financial risk and expense in offering guaranteed living benefit riders. Managed volatility Funds employ a strategy to reduce overall volatility and downside risk when markets are declining and market volatility is high. A successful strategy may result in less gain in your Policy Value during rising markets with higher volatility when compared to Funds not employing a managed volatility strategy. Although an investment in the managed volatility Funds may mitigate declines in your Policy Value due to declining equity markets, the Funds' investment strategies may also curb or decrease your Policy Value during periods of positive performance by the equity markets. There is no guarantee that any of the Funds' strategies will be successful. Costs associated with running a managed volatility strategy may also adversely impact the performance of managed volatility Funds.

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 21

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Loads, Fees and Charges

Policy charges primarily compensate us for:

• providing the insurance benefits of the policy;

• issuing the policy;

• administering the policy;

• assuming certain risks in connection with the policy; and

• distributing the policy.

We deduct some of these charges from your premium payments. We deduct others periodically from your Policy Value in the Fixed Account, Indexed Accounts and/or Subaccounts. We may also assess a charge if you surrender your policy or the policy Lapses. We may profit from one or more of the charges we collect under the policy. We may use these profits for any corporate purpose.

Transaction Fees

Surrender Charge

If you surrender your policy or the policy Lapses during the first ten policy years or in the ten years following an increase in Specified Amount, we will reduce your Policy Value, minus Indebtedness, by the applicable Surrender Charge.

The Surrender Charge primarily reimburses us for costs of issuing the policy, such as processing the application (mostly underwriting) and setting up computer records. It also partially pays for commissions, advertising and printing the prospectus and sales literature.

The maximum Surrender Charge for the initial Specified Amount is shown in your policy. It is based on the Insured's Insurance Age, sex, Risk Classification and initial Specified Amount. The maximum Surrender Charge for the initial Specified Amount will decrease monthly until it is zero at the end of ten policy years. If you increase the Specified Amount, an additional maximum Surrender Charge will apply to the additional Specified Amount added to the policy. The additional maximum Surrender Charge will be based on the Insured's Attained Insurance Age, sex (unless unisex rates are required by law), Risk Classification and the amount of the increase. It will decrease monthly until it is zero at the end of the tenth year following the increase.

The following table illustrates the maximum Surrender Charge for VUL 6 – NY. For VUL 6 – NY, we assume a female, insurance Age 40 qualifying for super preferred nontobacco rates. We assume the Specified Amount to be $500,000 along with an increase of $100,000 in the Specified Amount at the beginning of the eighth policy year.

*Example*:

---

| | | | |
|:---|:---|:---|:---|
| **Lapse or Surrender at**<br> **beginning of year**<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Maximum Surrender**<br> **Charge on the Initial**<br> **Specified Amount**<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Maximum Surrender**<br> **Charge on the Increase**<br> **in Specified Amount**<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Total Maximum**<br> **Surrender Charge**<br> **on the Policy**<br>|
| 1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $9312.59 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $0.00 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $9312.59 |
| 2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9043.59 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.00 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9043.59 |
| 3 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8774.59 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.00 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8774.59 |
| 4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8505.59 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.00 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8505.59 |
| 5 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8236.59 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.00 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8236.59 |
| 6 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7856.84 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.00 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7856.84 |
| 7 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6258.84 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.00 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6258.84 |
| 8 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4660.84 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2213.55 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6874.39 |
| 9 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3062.84 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2148.15 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5210.99 |
| 10 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1464.84 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2082.75 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3547.99 |
| 11 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.00 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2017.35 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2017.35 |
| 12 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.00 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1951.95 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1951.95 |
| 13 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.00 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1860.47 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1860.47 |
| 14 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.00 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1482.07 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1482.07 |
| 15 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.00 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1130.67 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1103.67 |
| 16 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.00 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;725.27 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;725.27 |
| 17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.00 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;346.87 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 346.87<br>|

---

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22 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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---

| | | | |
|:---|:---|:---|:---|
| **Lapse or Surrender at**<br> **beginning of year**<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Maximum Surrender**<br> **Charge on the Initial**<br> **Specified Amount**<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Maximum Surrender**<br> **Charge on the Increase**<br> **in Specified Amount**<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Total Maximum**<br> **Surrender Charge**<br> **on the Policy**<br>|
| 18 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.00 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.00 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.00 |

---

Partial Surrender Charge

If you surrender part of the value of your policy, we will charge you $25 (or 2% of the amount surrendered, if less). We guarantee that this charge will not increase for the duration of your policy.

Premium Expense Charge

We deduct this charge from each premium payment. We credit the amount remaining after the deduction, called the Net Premium, to the accounts you have selected. The premium expense charge is 4% of each premium payment. The premium expense charge, in part, compensates us for expenses associated with administering and distributing the policy, including agents' commissions, advertising and printing of prospectuses and sales literature. (The Surrender Charge, discussed under "Surrender Charge", and the administrative charge, discussed under "Administrative Charge" below, also may partially compensate us for these expenses.) The premium expense charge also may compensate us for paying taxes imposed by the State of New York on premiums received by insurance companies. We reserve the right to change the premium expense charge in the future based on our expectations of future investment earnings, persistency and expenses, but guarantee that it will never exceed 4%.

Overloan Protection Benefit

If you exercise this benefit, we will charge you 3% of your Policy Value.

Base Policy Charges

Monthly Deduction

On each Monthly Date we deduct from the value of your policy in the Fixed Account, Indexed Accounts and/or Subaccounts an amount equal to the sum of:

1. the cost of insurance for the policy month;

2. the policy fee shown in your policy;

3. the monthly administrative charge;

4. the monthly mortality and expense risk charge;

5. the Indexed Account charge; and

6. charges for any optional insurance benefits provided by rider for the policy month.

We explain each of the six components below.

You specify, in your policy application, what percentage of the monthly deduction from 0% to 100% you want us to take from the Fixed Account and from each of the Subaccounts. You may change these percentages for future monthly deductions by writing to us.

We will take monthly deductions from the Fixed Account and the Subaccounts on a Pro Rata Basis if:

• you do not specify the accounts from which you want us to take the monthly deduction; or

• the value in the Fixed Account or any Subaccount is insufficient to pay the portion of the monthly deduction you have specified.

When the Fixed Account (minus any Indebtedness and any value that is part of an SDCA arrangement) and the Subaccounts are exhausted, the remaining amount will be taken from the value of the Fixed Account that is part of an SDCA arrangement. When the value of the Fixed Account that is part of an SDCA arrangement has been exhausted, the remaining amount will be taken from the Indexed Accounts. See "Order of Deductions from Policy Value" for further discussion.

If the Cash Surrender Value of your policy is not enough to cover the monthly deduction on a monthly anniversary, the policy may Lapse. However, the policy will not Lapse if the NLG is in effect or the minimum initial premium guarantee is in effect and the premium payment requirements have been met. (See "no lapse guarantee," "minimum initial premium guarantee," "grace period" and "reinstatement" sections of this prospectus.)

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 23

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**The following are charged each month prior to the Insured's Attained Insurance Age 120:**

**1.** **Cost of Insurance:** primarily, this is the cost of providing the death benefit under your policy. It depends on:

• the amount of the death benefit;

• the Policy Value; and

• the cost of insurance rate.

The cost of insurance for a policy month is calculated as: **[a × (b – c)] + d** 

where:

**"a"**

**is the monthly cost of insurance rate** based on the Insured's Insurance Age, Duration, sex (unless unisex rates are required by law) and Risk Classification. Generally, the cost of insurance rate will increase as the Insured's Attained Insurance Age increases.

We set the rates based on our expectations of mortality, future investment earnings, persistency and expenses. Our current monthly cost of insurance rates are less than the maximum monthly cost of insurance rates guaranteed in the policy. We reserve the right to change rates from time to time; any change will apply to all individuals of the same Risk Classification. However, rates will not exceed the Guaranteed Maximum Monthly Cost of Insurance Rates shown in your policy. All rates are based on the 2017 Commissioners Standard Ordinary (CSO) Smoker and Nonsmoker Mortality Tables, Age Nearest Birthday.

**"b"**

**is the death benefit** on the Monthly Date divided by 1.0008295381 (which reduces our Net Amount at Risk, solely for computing the cost of insurance, by taking into account assumed monthly earnings at an annual rate of 1%).

**"c"**

**is the Policy Value** on the Monthly Date. At this point, the Policy Value has been reduced by the administrative charge, Index Account charge, the mortality and expense risk charge, the policy fee and any charges for optional riders with the exception of the ASR-CI, WP and WMD as it applies to the base policy.

**"d"**

**is any flat extra insurance charges** we assess as a result of special underwriting considerations.

**2. Policy fee:** $10.00 per month for initial Specified Amounts below $1,000,000 and $0.00 per month for initial Specified Amounts of $1,000,000 and above. This charge primarily reimburses us for expenses of administering the policy, such as processing claims, maintaining records, making policy changes and communicating with Owners. We reserve the right to change the charge in the future, but guarantee that it will never exceed $15.00 per month.

**3. Administrative charge:** This charge reimburses us, in part, for expenses associated with issuing the policy, such as processing the application and underwriting the policy. It also partially reimburses us for commissions or other compensation paid to selling firms, advertising and printing of the prospectus and sales literature. We reserve the right to change the administrative charge based on our expectations of future investment earnings, persistency and expenses. However, it will never exceed the guaranteed administrative charge shown in the Policy Data section of the policy.

**4. Mortality and expense risk charge:** compensates us for assuming the mortality and expense risks under the policy. Currently, the mortality and expense risk charge is 0%. We reserve the right to change the charge in the future, but guarantee that it will never exceed the annual rate of 0.60% applied monthly to the Variable Account Value.

The mortality and expense risk charge for a policy month is calculated as:

<u> (a) × (b)</u> where: <br> 12

"a" is the Variable Account Value; and

"b" is the mortality and expense risk charge shown in the "Charges Other than Fund Operating Expenses" section of this prospectus.

The charge primarily compensates us for:

• **Mortality risk** — the risk that the cost of insurance charge will be insufficient to meet actual claims.

• **Expense risk** — the risk that the policy fee, administrative charge and the Surrender Charge (described above) may be insufficient to cover the cost of administering the policy.

Any profit from the mortality and expense risk charge would be available to us for any proper corporate purpose including, among others, payment of sales and distribution expenses, which we do not expect to be covered by the premium expense charge and Surrender Charges discussed earlier. We will make up any further deficit from our general assets. We reserve the right to change the mortality and expense risk rate based on our expectations of mortality, reinsurance costs, future investment earnings, persistency and expenses.

**5. Indexed Account charge:** compensates us for certain administrative, investment and other expenses we assume in making available the Indexed Account options. The charge is assessed as an asset-based charge and is based on the value of the Segments of an Indexed Account on the Monthly Date.

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24 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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

**6. Optional Insurance Benefit Charges:** Charges for any optional benefits you add to the policy by rider.

Optional Insurance Benefits

---

| | | |
|:---|:---|:---|
| **CHARGE** | **WHEN CHARGE IS DEDUCTED** | **AMOUNT DEDUCTED** |
| **Accidental Death Benefit** <br> **Rider (ADB)**<sup>(a)</sup> | Monthly. | <u>Monthly rate per $1,000 of initial Specified Amount:</u> |
| **Accidental Death Benefit** <br> **Rider (ADB)**<sup>(a)</sup> | Monthly. | **Minimum:** $0.04 — Female, Standard Nontobacco, <br> Attained Insurance Age 5.<br>|
| **Accidental Death Benefit** <br> **Rider (ADB)**<sup>(a)</sup> | Monthly. | **Maximum:** $0.16 — Male, Standard Tobacco, Attained <br> insurance Age 69.<br>|
| **Accidental Death Benefit** <br> **Rider (ADB)**<sup>(a)</sup> | Monthly. |  |
| **Accidental Death Benefit** <br> **Rider (ADB)**<sup>(a)</sup> | Monthly. | **Representative Insured:** $0.04 — Female, Super <br> Preferred Nontobacco, Attained Insurance Age 40.<br>|
| **Automatic Increase Benefit** <br> **Rider (AIBR)**<br>| No charge. | No charge for this rider, however, the additional <br> insurance added by the rider is subject to monthly cost of <br> insurance charges.<br>|
| **Children's Insurance Rider** <br> **(CIR)**<br>| Monthly. | <u>Monthly rate per $1,000 of CIR Specified Amount:</u><br> $0.58.<br>|
| **Overloan Protection Benefit** <br> **(OPB)**<br>| Upon exercise of benefit. | 3% of the Policy Value. |
| **Waiver of Monthly Deduction** <br> **Rider (WMD)**<sup>(a)</sup> | Monthly. | <u>Monthly rate per $1,000 of Net Amount at Risk</u> |
| **Waiver of Monthly Deduction** <br> **Rider (WMD)**<sup>(a)</sup> | Monthly. | **Minimum:** $0.00692 — Female, Nontobacco, Attained <br> Insurance Age 20.<br>|
| **Waiver of Monthly Deduction** <br> **Rider (WMD)**<sup>(a)</sup> | Monthly. | **Maximum:** $0.34212 — Male, Tobacco, Attained <br> Insurance Age 59.<br>|
| **Waiver of Monthly Deduction** <br> **Rider (WMD)**<sup>(a)</sup> | Monthly. |  |
| **Waiver of Monthly Deduction** <br> **Rider (WMD)**<sup>(a)</sup> | Monthly. | **Representative Insured:** $0.0266 — Female, Super <br> Preferred Nontobacco, Attained Insurance Age 40.<br>|
| **Waiver of Premium Rider** <br> **(WP)**<sup>(a)</sup> | Monthly. | <u>Monthly rate multiplied by the greater of the</u> <br> <u>monthly-specified premium selected for the rider or the</u> <br> <u>monthly deduction for the policy and any other riders</u> <br> <u>attached to the policy.</u><br>|
| **Waiver of Premium Rider** <br> **(WP)**<sup>(a)</sup> | Monthly. | **Minimum:** $0.03206 — Male, Nontobacco, Attained <br> Insurance Age 20.<br>|
| **Waiver of Premium Rider** <br> **(WP)**<sup>(a)</sup> | Monthly. | **Maximum:** $0.40219 — Female, Tobacco, Attained <br> Insurance Age 59.<br>|
| **Waiver of Premium Rider** <br> **(WP)**<sup>(a)</sup> | Monthly. |  |
| **Waiver of Premium Rider** <br> **(WP)**<sup>(a)</sup> | Monthly. | **Representative Insured:** $0.07486 — Female, Super <br> Preferred Nontobacco, Attained Insurance Age 40.<br>|

---

<sup>(a)</sup>

This charge varies based on individual characteristics. The charges shown in the table may not be representative of the charge you will pay. For information about the charge you would pay, contact your sales representative or RiverSource Life of NY at the address or telephone number shown on the first page of this prospectus.

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 25

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---

| | | |
|:---|:---|:---|
| **CHARGE** | **WHEN CHARGE IS DEDUCTED** | **AMOUNT DEDUCTED** |
| ***AdvanceSource***<sup>®</sup> **Accelerated** <br> **Benefit Rider for Chronic** <br> **Illness (ASR-CI)**<sup>(a)(b)</sup> | Monthly (while the rider is in <br> effect). | <u>Monthly rate per $1,000 of the rider Specified Amount:</u> |
| ***AdvanceSource***<sup>®</sup> **Accelerated** <br> **Benefit Rider for Chronic** <br> **Illness (ASR-CI)**<sup>(a)(b)</sup> | Monthly (while the rider is in <br> effect). | **Minimum**: $0.0025 —Male, Super Preferred <br> Nontobacco, Insurance Age 20, Duration 1, 1% Monthly <br> Benefit Percent.<br>|
| ***AdvanceSource***<sup>®</sup> **Accelerated** <br> **Benefit Rider for Chronic** <br> **Illness (ASR-CI)**<sup>(a)(b)</sup> | Monthly (while the rider is in <br> effect). | **Maximum:** $37.2775 —Female, Standard Tobacco, <br> Insurance Age 20, Duration 100, 3% Monthly Benefit <br> Percent.<br>|
| ***AdvanceSource***<sup>®</sup> **Accelerated** <br> **Benefit Rider for Chronic** <br> **Illness (ASR-CI)**<sup>(a)(b)</sup> | Monthly (while the rider is in <br> effect). |  |
| ***AdvanceSource***<sup>®</sup> **Accelerated** <br> **Benefit Rider for Chronic** <br> **Illness (ASR-CI)**<sup>(a)(b)</sup> | Monthly (while the rider is in <br> effect). | **Representative Insured:** $0.0025, Female, Super <br> Preferred Nontobacco, Age 40, Duration 1, 2% Monthly <br> Benefit Percent.<br>|
| **Accounting Value Increase** <br> **Rider (AVIR)**<sup>(a)</sup> | Monthly. | <u>Monthly rate per $1,000 of Specified Amount:</u> |
| **Accounting Value Increase** <br> **Rider (AVIR)**<sup>(a)</sup> | Monthly. | **Minimum:** $0.0325 — Male, Nontobacco, Insurance <br> Age 85.<br>|
| **Accounting Value Increase** <br> **Rider (AVIR)**<sup>(a)</sup> | Monthly. | **Maximum:** $0.0629 — Female, Tobacco, Insurance Ages <br> 35-55.<br>|
| **Accounting Value Increase** <br> **Rider (AVIR)**<sup>(a)</sup> | Monthly. |  |
| **Accounting Value Increase** <br> **Rider (AVIR)**<sup>(a)</sup> | Monthly. | **Representative Insured:** $0.0538 — Female, <br> Nontobacco, Insurance Age 40.<br>|

---

<sup>(a)</sup>

This charge varies based on individual characteristics. The charges shown in the table may not be representative of the charge you will pay. For information about the charge you would pay, contact your sales representative or RiverSource Life of NY at the address or telephone number shown on the first page of this prospectus.

<sup>(b)</sup>

The monthly cost of insurance rate is based on the Accelerated Benefit Insured's sex, risk class, issue age, duration and the Monthly Benefit Percent shown in the "Policy Data" section of the policy. The cost of insurance rates for this rider will not exceed the guaranteed maximum monthly cost of insurance rates for this rider shown in the "Policy Data" section of the policy.

Payments to the Selling Firms

We may use compensation plans which vary by selling firm. In general, we pay selling firms a commission of up to 90% of the initial target premium in the first policy year, plus up to 2.50% of all premiums in excess of the target premium during the first policy year and 2% on renewal premiums after the first policy year prior to eleventh Duration. We determine the target premium, which varies by age, sex, and Risk Classification of the Insured at the time of issue as well as by the Specified Amount of the policy. We pay additional commissions to selling firms if an increase in coverage occurs. We do not pay or withhold payment of commissions based on how you choose to allocate your premiums to the Subaccounts.

Total Annual Operating Expenses of the Funds

Any applicable management fees, and other expenses of the Funds are deducted from, and paid out of, the assets of the Funds as described in each Fund's prospectus.

Effect of Loads, Fees and Charges

Your death benefits, Policy Values and Cash Surrender Values may fluctuate due to an increase or decrease in the following charges:

• cost of insurance charges

• Surrender Charges;

• policy fees;

• administrative charges;

• mortality and expense risk charges;

• Indexed Account charges;

• cost of optional insurance benefits; and

• annual operating expenses of the Funds, including management fees, and other expenses.

In addition, your death benefits, Policy Values and Cash Surrender Values may change daily as a result of the investment experience of the Subaccounts.

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26 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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Other Information on Charges

We may reduce or eliminate various fees and charges on a basis that is fair and reasonable and applies to all policy Owners in the same class. We may do this for example when we incur lower sales costs and/or perform fewer administrative services than usual.

Policy Rights

The purpose of the policy is to provide life insurance protection on the life of the Insured and to potentially build Policy Value. The policy is a long-term investment that provides a death benefit that we pay to the Beneficiary upon the Insured's death. The Insured is the person whose life is insured by the policy. The Owner is the entity or entities to which, or individuals to whom, we issue the policy or to whom you subsequently transfer ownership. The Owner is authorized to make changes to the policy and request transactions involving Policy Value. In the prospectus "you" and "your" refer to the Owner.

Initially, the Beneficiary will be the person you designate in your application for the policy. You may change the Beneficiary by giving us written notice, subject to requirements and restrictions stated in the policy. If you do not designate a Beneficiary, or if the designated Beneficiary dies before the Insured, the beneficiary will be you, if living. If you are not living, the Beneficiary will be your estate.

Transfers Among the Fixed Account, Indexed Accounts and Subaccounts

You may transfer Policy Value from one Subaccount to another or between Subaccounts and the Fixed Account or Indexed Accounts. Certain restrictions apply to transfers involving the Fixed Account and the Indexed Accounts. We will process your transfer on the Valuation Date we receive your request, subject to the following limitations. If we receive your transfer request at our Service Center in Good Order before the Close of Business, we will process your transfer using the Accumulation Unit value we calculate on the Valuation Date we received your transfer request. If we receive your transfer request at our Service Center in Good Order at or after the Close of Business, we will process your transfer using the Accumulation Unit value we calculate on the next Valuation Date after we received your transfer request. Before making a transfer, you should consider the risks involved in changing investments. We may suspend or modify transfer privileges at any time.

If you have the *AdvanceSource* Rider on your policy, once benefit payments begin, any value in your Subaccounts will be transferred to the Fixed Account as well as all future premium payments. Transfers to the Subaccounts will not be allowed. At the end of the Period of Coverage, the portion of the Policy Value in excess of Indebtedness due to us will remain in the Fixed Account until written request is made to transfer to any Subaccounts. The request must be made within 30 days after the end of the Period of Coverage.

Market Timing and Disruptive Trading Practices

Market timing can reduce the value of your investment in the policy. If market timing causes the returns of an underlying Fund to suffer, Policy Value you have allocated to a Subaccount that invests in that underlying Fund will be lower too. Market timing can cause you, any joint Owner of the policy and your Beneficiary(ies) under the policy a financial loss.

**We seek to prevent market timing. Market timing is frequent or short-term trading activity. We do not accommodate short-term trading activities. Do not buy a policy if you wish to use short-term trading strategies to manage your investment. The market timing policies and procedures described below apply to transfers among the Subaccounts within the policy. The underlying Funds in which the Subaccounts invest have their own market timing policies and procedures. The market timing policies of the underlying Funds may be more restrictive than the market timing policies and procedures we apply to transfers among the Subaccounts of the policy, and may include redemption fees. We reserve the right to modify our market timing policies and procedures at any time without prior notice to you.** 

Market timing may hurt the performance of an underlying Fund in which a Subaccount invests in several ways, including but not necessarily limited to:

• diluting the value of an investment in an underlying Fund in which a Subaccount invests;

• increasing the transaction costs and expenses of an underlying Fund in which a Subaccount invests; and

• preventing the investment adviser(s) of an underlying Fund in which a Subaccount invests from fully investing the assets of the Fund in accordance with the Fund's investment objectives.

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 27

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Funds available as investment options under the policy that invest in securities that trade in overseas securities markets may be at greater risk of loss from market timing, as market timers may seek to take advantage of changes in the values of securities between the close of overseas markets and the close of U.S. markets. Also, the risks of market timing may be greater for underlying Funds that invest in securities such as small cap stocks, high yield bonds, or municipal securities, that may be traded infrequently.

**In order to help protect you and the underlying Fund from the potentially harmful effects of market timing activity, we apply the following market timing policy to discourage frequent transfers of Policy Value among the Subaccounts of the Variable Account:** 

**We try to distinguish market timing from transfers that we believe are not harmful, such as periodic rebalancing for purposes of an asset allocation, dollar-cost averaging or an asset rebalancing program that may be described in this prospectus. There is no set number of transfers that constitutes market timing. Even one transfer in related accounts may be market timing. We seek to restrict the transfer privileges of a policy Owner who makes more than three Subaccount transfers in any 90 day period. We also reserve the right to refuse any transfer request, if, in our sole judgment, the dollar amount of the transfer request would adversely affect unit values.**

If we determine, in our sole judgment, that your transfer activity constitutes market timing, we may modify, restrict or suspend your transfer privileges to the extent permitted by applicable law, which may vary based on the state law that applies to your policy and the terms of your policy. These restrictions or modifications may include, but not be limited to:

• requiring transfer requests to be submitted only by first-class U.S. mail;

• not accepting hand-delivered transfer requests or requests made by overnight mail;

• not accepting telephone or electronic transfer requests;

• requiring a minimum time period between each transfer;

• not accepting transfer requests of an agent acting under power of attorney;

• limiting the dollar amount that you may transfer at any one time;

• suspending the transfer privilege; or

• modifying instructions under an automated transfer program to exclude a restricted Fund if you do not provide new instructions.

Subject to applicable state law and the terms of each policy, we will apply the transfer policy described above to all policy Owners uniformly in all cases. We will notify you in writing after we impose any modification, restriction or suspension of your transfer rights.

Because we exercise discretion in applying the restrictions described above, we cannot guarantee that we will be able to identify and restrict all market timing activity. In addition, state law and the terms of some policies may prevent us from stopping certain market timing activity. Market timing activity that we are unable to identify and/or restrict may impact the performance of the underlying Funds and may result in lower Policy Values.

**In addition to the market timing policy described above, which applies to transfers among the Subaccounts within your policy, you should carefully review the market timing policies and procedures of the underlying Funds. The market timing policies and procedures of the underlying Funds may be materially different than those we impose on transfers among the Subaccounts within your policy and may include mandatory redemption fees as well as other measures to discourage frequent transfers. As an intermediary for the underlying Funds, we are required to assist them in applying their market timing policies and procedures to transactions involving the purchase and exchange of Fund shares. This assistance may include, but not be limited to, providing the underlying Fund upon request with your Social Security Number, Taxpayer Identification Number or other United States government-issued identifier and the details of your policy transactions involving the underlying Fund. An underlying Fund, in its sole discretion, may instruct us at any time to prohibit you from making further transfers of Policy Value to or from the underlying Fund, and we must follow this instruction. We reserve the right to administer and collect on behalf of an underlying Fund any redemption fee imposed by an underlying Fund. Market timing policies and procedures adopted by underlying Funds may affect your investment in the policy in several ways, including but not limited to:** 

• Each Fund may restrict or refuse trading activity that the Fund determines, in its sole discretion, represents market timing.

• Even if we determine that your transfer activity does not constitute market timing under the market timing policies described above which we apply to transfers you make under the policy, it is possible that the underlying Fund's market timing policies and procedures, including instructions we receive from a Fund, may require us to reject your transfer request. For example, while we will attempt to execute transfers permitted under any asset allocation, dollar-cost averaging or asset rebalancing program that may be described in this prospectus, we cannot guarantee that an underlying Fund's market timing policies and procedures will do so. Orders we place to purchase Fund shares for the Variable Account are subject to acceptance by the Fund. We reserve the right to reject without prior notice to you any transfer request if the Fund does not accept our order.

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28 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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

• Each underlying Fund is responsible for its own market timing policy, and we cannot guarantee that we will be able to implement specific market timing policies and procedures that a Fund has adopted. As a result, a Fund's returns might be adversely affected, and a Fund might terminate our right to offer its shares through the Variable Account.

• Funds that are available as investment options under the policy may also be offered to other intermediaries who are eligible to purchase and hold shares of the Fund, including without limitation, separate accounts of other insurance companies and certain retirement plans. Even if we are able to implement a Fund's market timing policies, we cannot guarantee that other intermediaries purchasing that same Fund's shares will do so, and the returns of that Fund could be adversely affected as a result.

**For more information about the market timing policies and procedures of an underlying Fund, and the risks that market timing pose to that Fund and to determine whether an underlying Fund has adopted a redemption fee, see that Fund's prospectus.**

Transfer of Policy Value between the Fixed Account and Subaccounts

• You must make transfers from the Fixed Account to any Subaccounts during a 30-day period starting on a Policy Anniversary, except for automated transfers, which can be set up for monthly, quarterly or semiannual transfer periods. If the amount in the Fixed Account is less than $100, the entire amount can be transferred at any time.

• If we receive your request to transfer amounts from the Fixed Account within 30 days before the Policy Anniversary, the transfer will become effective on the anniversary.

• If we receive your request on or within 30 days after the Policy Anniversary, the transfer will be effective on the day we receive it.

• We will not accept requests for transfers from the Fixed Account at any other time.

• If you have made a transfer from the Fixed Account to one or more Subaccounts, you may not make a transfer from those Subaccounts back to the Fixed Account until the next Policy Anniversary. We will waive this limitation once during the first two policy years if you exercise the policy's right to exchange provision. (See "Exchange Right.")

Minimum Transfer Amounts

From a Subaccount to another Subaccount, the Fixed Account or an Indexed Account:

• For mail and telephone transfers — $250 or the entire Subaccount balance, whichever is less.

• For automated transfers — $50.

From the Fixed Account to a Subaccount:

• For mail and telephone transfers — $250 or the entire Fixed Account balance minus any outstanding Indebtedness, whichever is less.

• For automated transfers — $50.

Maximum Transfer Amounts

The maximum amount that may be transferred from the Fixed Account to one or more of the Indexed Accounts is the Fixed Account Value minus any Indebtedness minus the value of a transfer to one or more of the Subaccounts occurring on the same day. The amount of any such transfer to an Indexed Account will be allocated to the corresponding Interim Account on the date it is received.

Transfer Restriction Period – Indexed Accounts

A transfer restriction period is a 12-month period of time which begins on any date there is a loan or withdrawal that is not part of a systematic distribution program from any Segment of the Indexed Account. Any deduction from a Segment of the Indexed Accounts due solely to an increase in Indebtedness from interest charged on a loan will not trigger the start of a transfer restriction period.

During this period, the following restrictions apply:

• no transfers from the Fixed Account or Subaccounts to any Indexed Account will be allowed; and

• Indexed Account premium allocation percentages will change to allocate all premium and loan repayments to the Fixed Account.

We reserve the right to shorten or eliminate the transfer restriction period.

Once the transfer restriction period has expired, you may submit a written or phone request to transfer any amount in the Fixed Account or Subaccounts to any Indexed Account or to change the premium allocation percentage.

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 29

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Transfers Not Allowed

Transfers of value are not allowed for the following conditions:

• from an Indexed Account Segment prior to Segment maturity, except transfers due to policy loans taken or interest charged on Indebtedness;

• from the Fixed Account or any Subaccount to any Indexed Account once payment of benefits begins for any rider paying benefits due to chronic or terminal illness;

• from the Fixed Account or any Subaccount to any Indexed Account when the policy is in a transfer restriction period;

• from the Fixed Account to any Subaccount or Indexed Account after the Insured's Attained Insurance Age 120 anniversary.

Transfers at the Insured's Attained Insurance Age 120 Anniversary

On the Insured's Attained Insurance Age 120 anniversary, any Policy Value in the Subaccounts will be transferred to the Fixed Account and may not be transferred to any Subaccount or Indexed Account.

Maximum Number of Transfers Per Year From the Subaccounts

You may make transfers by mail or telephone. We reserve the right to limit transfers of value from a Subaccount to one or more Subaccounts or to the Fixed Account to five per policy year. We may suspend or modify this transfer privilege at any time with any necessary approval of the Securities and Exchange Commission. In addition to transfers by mail or telephone, you may make automated transfers subject to the restrictions described below.

Automated Transfers

In addition to written and telephone requests, you can arrange to have Policy Value transferred from one account to another automatically. Your sales representative can help you set up an automated transfer.

**Automated transfer policies** 

• Only one automated transfer arrangement can be in effect at any time.

• You may transfer all or part of the value of a Subaccount to one or more of the other Subaccounts, one or more of the Indexed Accounts and/or to the Fixed Account.

• You may transfer all or part of the Fixed Account Value, minus Indebtedness, to one or more of the Subaccounts and/or one or more of the Indexed Accounts.

• Either the Fixed Account or one or more of the Subaccounts can be used as the source of Funds for any automated transfer arrangement. The Indexed Accounts may not be used as the source of Funds for any automated transfer arrangement.

• You can start or stop this service by written or phone request. You must allow seven days for us to change any instructions that are currently in place.

• The minimum automated transfer amount is $50.

• You cannot make automated transfers from the Fixed Account to one or more Subaccounts in an amount that, if continued, would deplete the Fixed Account within 12 months. There is no such restriction on automated transfer arrangements that transfer value from the Fixed Account to one or more of the Indexed Accounts only.

• If your policy has entered a transfer restriction period that will last for 12 months, during this period transfers from the Fixed Account or the Subaccounts to any Indexed Account will not be allowed. Any automated transfer arrangement that moves money to an Indexed Account will be terminated.

• If you made an automated transfer from the Fixed Account to one or more Subaccounts, you may not make a transfer from those Subaccounts back to the Fixed Account until the next Policy Anniversary.

• If you submit your automated transfer request with an application for a policy, automated transfers will not take effect until the policy is issued.

• The balance in any account from which you make an automated transfer must be sufficient to satisfy your instructions.

• Automated transfers are subject to all other policy provisions and terms including provisions relating to the transfer of money between the Fixed Account and the Subaccounts. (Exception: The maximum number of transfers per year provision does not apply to automated transfers.)

• You may make automated transfers by choosing a schedule we provide.

**Automated Dollar-Cost Averaging** 

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30 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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You can use automated transfers to take advantage of dollar-cost averaging — investing a fixed amount at regular intervals. For example, you might have a set amount transferred monthly from a relatively conservative Subaccount to a more aggressive one, or to several others.

This systematic approach can help you benefit from fluctuations in Accumulation Unit values caused by fluctuations in the market values of the underlying Fund. Since you invest the same amount each period, you automatically acquire more units when the market value falls, fewer units when it rises. The potential effect is to lower your average cost per unit.

**How dollar-cost averaging works** 

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| By investing an equal number<br> of dollars each month…<br>|  | **Month** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Amount**<br> **Invested**<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Accumulation**<br> **Unit Value**<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Number**<br> **of Units**<br> **Purchased**<br>|
|  |  | &nbsp;&nbsp; Jan | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $100 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $20 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.00 |
|  |  | &nbsp;&nbsp; Feb | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.56 |
| you automatically buy<br> more units when the<br> per unit market price is low… |  | &nbsp;&nbsp; Mar | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.88 |
| you automatically buy<br> more units when the<br> per unit market price is low… | &nbsp;&nbsp; → | &nbsp;&nbsp; Apr | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.67 |
|  |  | &nbsp;&nbsp; May | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.25 |
|  |  | &nbsp;&nbsp; June | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.56 |
|  |  | &nbsp;&nbsp; July | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.88 |
| and fewer units<br> when the per unit<br> market price is high. |  | &nbsp;&nbsp; Aug | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.26 |
| and fewer units<br> when the per unit<br> market price is high. | &nbsp;&nbsp; → | &nbsp;&nbsp; Sept | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.76 |
|  |  | &nbsp;&nbsp; Oct | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 20 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.00 |

---

You have paid an average price of only $17.91 per unit over the ten months, while the average market price actually was $18.10.

Dollar-cost averaging does not guarantee that any Subaccount will gain in value, nor will it protect against a decline in value if market prices fall. Because this strategy involves continuous investing, your success with dollar-cost averaging will depend upon your willingness to continue to invest regularly through periods of low price levels. Dollar-cost averaging can be an effective way to help meet your long-term goals.

You may make dollar-cost averaging transfers by choosing a schedule we provide.

**Special Dollar-Cost Averaging** 

The company, as part of its automated dollar-cost averaging program, may also make available a Special Dollar-Cost Averaging ("SDCA") arrangement. Under an SDCA arrangement, you may allocate Net Premium, transfer Policy Value or reallocate Segment maturity value ("SDCA allocations") to the SDCA portion of the Fixed Account. SDCA allocations will be transferred out over a period of time, currently 12 months. SDCA transfers will automatically occur monthly on each Monthly Date anytime there is value in the SDCA portion of the Fixed Account. SDCA transfers will be allocated to Subaccounts, Indexed Accounts or the non-SDCA portion of the Fixed Account according to the premium allocation in effect at the time of each transfer. The SDCA transfer amount on a Monthly Date will be the lesser of:

&nbsp;&nbsp;&nbsp;&nbsp;a. the greater of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. the sum of all SDCA allocations made in the last 12 months divided by 12, plus, if the SDCA transfer is the last transfer in the 12 months, any interest credited to the Policy Value in the SDCA portion of the Fixed Account; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. the policy's minimum transfer amount

&nbsp;&nbsp;&nbsp;&nbsp;b. the remaining value of the SDCA portion of the Fixed Account.

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 31

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**How special dollar-cost averaging works** 

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | <br>&nbsp;&nbsp;  | **Month**<br>&nbsp;&nbsp; Jan | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **SDCA**<br> **Allocation**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $10000.00 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **SDCA**<br> **Transfer**<br> **Amount**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $833.33 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Remaining**<br> **SDCA**<br> **Arrangement**<br> **Policy Value**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $9183.18 |
|  |  | &nbsp;&nbsp; Feb |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $833.33 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $8365.02 |
|  |  | &nbsp;&nbsp; Mar |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $833.33 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $7545.50 |
|  |  | &nbsp;&nbsp; Apr |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $833.33 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $6724.63 |
| Increase in monthly SDCA <br> transfer amount due to an <br> additional SDCA allocation<br>| &nbsp;&nbsp; → | &nbsp;&nbsp; May | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $20000.00 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $2500.00 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $24268.76 |
|  |  | &nbsp;&nbsp; June |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $2500.00 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $21808.85 |
|  |  | &nbsp;&nbsp; July |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $2500.00 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $19344.87 |
|  |  | &nbsp;&nbsp; Aug |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $2500.00 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $16876.82 |
|  |  | &nbsp;&nbsp; Sept |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $2500.00 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $14404.69 |
|  |  | &nbsp;&nbsp; Oct |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $2500.00 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $11928.48 |
|  |  | &nbsp;&nbsp; Nov |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $2500.00 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $9448.18 |
|  |  | &nbsp;&nbsp; Dec |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $2500.00 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $6963.78 |
| Decrease in the monthly <br> SDCA transfer amount since <br> the original SDCA allocation <br> is outside the 12 month <br> period<br>| &nbsp;&nbsp; → | &nbsp;&nbsp; Jan |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $1666.67 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $5308.62 |
|  |  | &nbsp;&nbsp; Feb |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $1666.67 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $3650.72 |
|  |  | &nbsp;&nbsp; Mar |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $1666.67 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $1990.08 |
| Since this is the last SDCA <br> transfer in the 12 month <br> period for the most recent <br> SDCA allocation, interest <br> earned in the SDCA account <br> is included in the SDCA <br> transfer amount<br>| &nbsp;&nbsp; → | &nbsp;&nbsp; Apr |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $1666.67 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $0.00 |
|  |  | &nbsp;&nbsp; May |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $0.00 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $0.00 |

---

The monthly SDCA transfer amount can change from month to month. The SDCA transfer amount could increase due to additional SDCA allocations contributed to the SDCA arrangement since the last Monthly Date. The transfer amount could decrease when past SDCA allocations contributed to the SDCA arrangement are no longer included in the transfer amount since they were originally allocated to the SDCA arrangement beyond the past 12 months. In addition, the SDCA transfer amount could be reduced as a result of any of the following being deducted from the SDCA portion of the Fixed Account:

&nbsp;&nbsp;&nbsp;&nbsp;• Monthly deductions, partial surrenders, transfers, loans, or loan interest; and

&nbsp;&nbsp;&nbsp;&nbsp;• Payments under an accelerations of benefit rider.

You may cancel an SDCA arrangement at any time by transferring the remaining value allocated to the SDCA arrangement to any other account. Any Fixed Account transfer rules will apply to such transfers. We reserve the right to discontinue the ability to allocate additional amounts to the SDCA arrangement. If this occurs, SDCA transfers will continue as described for any previous SDCA allocations that are already part of an SDCA arrangement. We also reserve the right to make another account available as the account to which SDCA allocations are allocated to and/or offer additional transfer periods (e.g. 6-months or 9-months).

Similar to the automated dollar-cost averaging program described above, an SDCA arrangement does not guarantee that any Subaccount or other Policy Value will gain in value nor will it protect against a decline in Policy Value if market prices fall.

Asset Rebalancing

Subject to availability, you can contact us in writing or by phone to reallocate the variable Subaccount portion of your Policy Value according to the percentages (in whole percentage amounts) that you choose. The Policy Value must be at least $2,000 at the time the rebalance is set up. Asset rebalancing does not apply to the Fixed Account or Indexed Accounts. We automatically will rebalance the variable Subaccount portion of your Policy Value either quarterly,

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32 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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semiannually or annually. The period you select will start to run on the date you specify. On the first Valuation Date of each of these periods, we automatically will rebalance your Policy Value so that the value in each Subaccount matches your current Subaccount percentage allocations. We rebalance by transferring Policy Value between Subaccounts. Transfers for this purpose are not subject to the maximum number of transfers provisions above.

You can change your percentage allocations or your rebalancing period at any time by contacting us in writing or by phone. We will restart the rebalancing period you selected as of the date you specify. You may discontinue auto rebalancing at any time by sending us a written request or by other methods agreed to by us. You must allow 30 days for us to change any instructions that currently are in place. For more information on asset rebalancing, contact your sales representative.

RiverSource Life of NY

We are a stock life insurance company organized in 1972 under the laws of the State of New York and are located at 20 Madison Avenue Extension, Albany, NY 12203. Our service address is: RiverSource Life Insurance Co. of New York, 70500 Ameriprise Financial Center, Minneapolis, MN 55474. We are a wholly-owned subsidiary of RiverSource Life Insurance Company, which is a wholly-owned subsidiary of Ameriprise Financial, Inc.

We conduct a conventional life insurance business in the State of New York. Our primary products currently include fixed and variable annuity contracts and life insurance policies.

The Variable Account and the Funds

**The Variable Account:** The Variable Account consists of a number of Subaccounts, each of which invests in shares of a particular Fund. Income, gains and losses of each Subaccount are credited to or charged against the assets of that Subaccount alone. Therefore, the investment performance of each Subaccount is independent of the investment performance of our company assets. We will not charge a Subaccount with the liabilities of any other Subaccount or with the liabilities of any other business we conduct. We are obligated to pay all amounts promised to you under the policies.

**The Funds:** The policy currently offers Subaccounts investing in shares of the Funds see "Appendix A: Funds Available Under the Contract".

• **Investment objectives:** The investment managers and advisers cannot guarantee that the Funds will meet their investment objectives. Please read the Funds' prospectuses for facts you should know before investing. These prospectuses are available by contacting us at the address or telephone number on the first page of this prospectus.

• **Fund name and management:** A Fund underlying your policy in which a Subaccount invests may have a name, portfolio manager, objectives, strategies and characteristics that are the same or substantially similar to those of a publicly-traded retail mutual fund. Despite these similarities, an underlying Fund is not the same as any publicly-traded retail mutual fund. Each underlying Fund will have its own unique portfolio holdings, fees, operating expenses and operating results. The results of each underlying Fund may differ significantly from any publicly-traded retail mutual fund.

• **Eligible purchasers:** All Funds are available to serve as the underlying investments for variable annuities and variable life insurance policies. The Funds are not available to the public (see "Fund name and management" above). Some Funds also are available to serve as investment options for tax-deferred retirement plans. It is possible that in the future for tax, regulatory or other reasons, it may be disadvantageous for variable annuity accounts and variable life insurance accounts and/or tax-deferred retirement plans to invest in the available Funds simultaneously. Although we and the Fund providers do not currently foresee any such disadvantages, the boards of directors or trustees of each Fund will monitor events in order to identify any material conflicts between annuity owners, policy owners and tax-deferred retirement plans and to determine what action, if any, should be taken in response to a conflict. If a board were to conclude that it should establish separate funds for the variable annuity, variable life insurance and tax-deferred retirement plan accounts, you would not bear any expenses associated with establishing separate funds. Please refer to the Funds' prospectuses for risk disclosure regarding simultaneous investments by variable annuity, variable life insurance and tax-deferred retirement plan accounts. Each Fund intends to comply with the diversification requirements under Section 817(h) of the Code.

• **Funds available under the policy:** We seek to provide a broad array of underlying Funds taking into account the fees and charges imposed by each Fund and the policy charges we impose. We select the underlying Funds in which the Subaccounts initially invest and when there is a substitution (see "Substitution of Investments"). We also make all decisions regarding which Funds to retain in a policy, which Funds to add to a policy and which Funds will no longer be offered in a policy. In making these decisions, we may consider various objective and subjective factors. Objective factors include, but are not limited to, Fund performance, Fund expenses, classes of Fund shares available, size of the Fund, and investment objectives and investing style of the Fund. Subjective factors include, but are not limited to, investment sub-styles and process, management skill and history at other funds, and portfolio concentration and sector weightings. We also consider the levels and types of revenue, including but not limited to expense payments

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 33

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and non-cash compensation that a Fund, its distributor, investment adviser, subadviser, transfer agent or their affiliates pay us and our affiliates. This revenue includes, but is not limited to compensation for administrative services provided with respect to the Fund and support of marketing expenses incurred with respect to the Fund.

• **Money market Fund yield:** In low interest rate environments, money market Fund yields may decrease to a level where the deduction of fees and charges associated with your policy could result in negative net performance.

• **Risks and conflicts of interest with certain Funds advised by Columbia Management**: We are an affiliate of Ameriprise Financial, Inc., which is the parent company of Columbia Management Investment Advisers, LLC (Columbia Management). Columbia Management acts as investment adviser to several Fund of funds, including managed volatility Funds. As such, it retains full discretion over the investment activities and investment decisions of the Funds. These Funds invest in other registered mutual funds. In providing investment advisory services for the Funds and the underlying funds in which those Funds respectively invest, Columbia Management is, together with its affiliates, including us, subject to competing interests that may influence its decisions. These competing interests typically arise because Columbia Management or one of its affiliates serves as the investment adviser to the underlying Funds and may provide other services in connection with such underlying Funds, and because the compensation we and our affiliates receive for providing these investment advisory and other services varies depending on the underlying Fund.

• **Volatility and volatility management risk with the managed volatility funds**: These Funds invest in other registered mutual funds. In addition, managed volatility Funds employ a strategy designed to reduce overall volatility and downside risk. These types of Funds are available under the policies and one or more of these Funds may be offered in other variable annuity and variable life insurance products offered by us. These Funds may also be used in conjunction with guaranteed living benefit riders we offer with various annuity contracts.

Conflicts may arise because the manner in which these Funds and their strategies are executed by Columbia Management are expected to benefit us by reducing our financial risk and expense in offering guaranteed living benefit riders. Managed volatility Funds employ a strategy to reduce overall volatility and downside risk when markets are declining and market volatility is high. A successful strategy may result in less gain in your Policy Value during rising markets with higher volatility when compared to Funds not employing a managed volatility strategy. Although an investment in the managed volatility Funds may mitigate declines in your Policy Value due to declining equity markets, the Funds' investment strategies may also curb or decrease your Policy Value during periods of positive performance by the equity markets. There is no guarantee that any of the Funds' strategies will be successful. Costs associated with running a managed volatility strategy may also adversely impact the performance of managed volatility Funds.

While Columbia Management is the investment adviser to the managed volatility Funds, it provides no investment advice to you as whether an allocation to the Funds is appropriate for you. You must decide whether an investment in these Funds is right for you. Additional information on the Funds, including risks and conflicts of interest, is included in their respective prospectuses. Columbia Management advised Fund of funds and managed volatility Funds and their investment objectives are listed in the "Appendix A: Funds Available Under the Contract".

• **Revenue we receive from the Funds and potential conflicts of interest:** 

*Expenses We May Incur on Behalf of the Funds* 

When a Subaccount invests in a Fund, the Fund holds a single account in the name of the Variable Account. As such, the Variable Account is actually the shareholder of the Fund. We, through our Variable Account, aggregate the transactions of numerous policy Owners and submit net purchase and redemption requests to the Funds on a daily basis. In addition, we track individual policy Owner transactions and provide confirmations, periodic statements, and other required mailings. These costs would normally be borne by the Fund, but we incur them instead.

A complete list of why we may receive this revenue, as well as sources of revenue, is described in detail below.

*Payments the Funds May Make to Us* 

We or our affiliates may receive from each of the Funds, or their affiliates, compensation including but not limited to expense payments. These payments are designed in part to compensate us for the expenses we may incur on behalf of the Funds. In addition to these payments, the Funds may compensate us for wholesaling activities or to participate in educational or marketing seminars sponsored by the Funds.

The amount, type, and manner in which the revenue from these sources is computed vary by Fund.

*Conflicts of Interest These Payments May Create* 

When we determined the charges to impose under the policies, we took into account anticipated payments from the Funds. If we had not taken into account these anticipated payments, the charges under the policies would have been higher. Additionally, the amount of payment we receive from a Fund or its affiliate may create an incentive for us to include that Fund as an investment option and may influence our decision regarding which Funds to include in the Variable Account as Subaccount options for policy Owners. Funds that offer lower payments or no payments may also have corresponding expense structures that are lower, resulting in decreased overall fees and expenses to shareholders.

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34 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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We offer Funds managed by our affiliate Columbia Management. We have additional financial incentive to offer our affiliated Funds because additional assets held by them generally results in added revenue to us and our parent company, Ameriprise Financial, Inc. Additionally, employees of Ameriprise Financial, Inc. and its affiliates, including our employees, may be separately incented to include the affiliated Funds in the products, as employee compensation and business unit operating goals at all levels are tied to the success of the company. Currently, revenue received from our affiliated Funds comprises the greatest amount and percentage of revenue we derive from payments made by the Funds.

*The Amount of Payments We Receive from the Funds* 

We or our affiliates receive revenue which ranges up to 0.65% of the average daily net assets invested in various Funds offered through this and other variable life insurance and annuity contracts we and our affiliates issue.

**Why revenues are paid to us:** In accordance with applicable laws, regulations and the terms of the agreements under which such revenue is paid, we or our affiliates may receive revenue from the Funds, including but not limited to expense payments and non-cash compensation, for various purposes:

&nbsp;&nbsp;&nbsp;&nbsp;• Training and educating sales representatives who sell the policies.

&nbsp;&nbsp;&nbsp;&nbsp;• Granting access to our employees whose job it is to promote sales of the policies by authorized selling firms and their sales representatives, and granting access to sales representatives of our affiliated selling firms.

&nbsp;&nbsp;&nbsp;&nbsp;• Activities or services we or our affiliates provide that assist in the promotion and distribution of the policies including promoting the Funds available under the policies to policy Owners, authorized selling firms and sales representatives.

&nbsp;&nbsp;&nbsp;&nbsp;• Providing sub-transfer agency and shareholder servicing to policy Owners.

&nbsp;&nbsp;&nbsp;&nbsp;• Promoting, including and/or retaining the Fund's investment portfolios as underlying investment options in the policies.

&nbsp;&nbsp;&nbsp;&nbsp;• Furnishing personal services to policy Owners, including education of policy Owners regarding the Funds, answering routine inquiries regarding a Fund, maintaining accounts or providing such other services eligible for service fees as defined under the rules of the Financial Industry Regulatory Authority (FINRA).

&nbsp;&nbsp;&nbsp;&nbsp;• Subaccounting services, transaction processing, recordkeeping and administration.

**Sources of revenue received from affiliated Funds:** The affiliated Funds are managed by Columbia Management. The sources of revenue we receive from these affiliated Funds, or from the Funds' affiliates, may include, but are not necessarily limited to, the following:

&nbsp;&nbsp;&nbsp;&nbsp;• Assets of the Fund's adviser, subadviser, transfer agent, distributor or an affiliate of these. The revenue resulting from these sources may be based either on a percentage of average daily net assets of the Fund or on the actual cost of certain services we provide with respect to the Fund. We may receive this revenue either in the form of a cash payment or it may be allocated to us.

**Sources of revenue received from unaffiliated Funds:** The unaffiliated Funds are not managed by an affiliate of ours. The sources of revenue we receive from these unaffiliated Funds, or the Funds' affiliates, may include, but are not necessarily limited to, the following:

&nbsp;&nbsp;&nbsp;&nbsp;• Assets of the Fund's adviser, subadviser, transfer agent, distributor or an affiliate of these. The revenue resulting from these sources may be based either on a percentage of average daily net assets of the Fund or on the actual cost of certain services we provide with respect to the Fund. We receive this revenue in the form of a cash payment.

**Please refer to the prospectuses for the Funds for more information. These prospectuses are available by contacting us at the address or telephone number shown on the first page of this prospectus.**

Relationship Between Funds and Subaccounts

Each Subaccount buys shares of the appropriate Fund at net asset value without a sales charge. Dividends and capital gain distributions from a Fund are reinvested at net asset value without a sales charge and held by the Subaccount as an asset. Each Subaccount redeems Fund shares without a charge (unless the Fund imposes a redemption fee) to the extent necessary to make death benefit or other payments under the policy.

Substitution of Investments

We may substitute the Funds in which the Subaccounts invest if:

• laws or regulations change;

• the existing Funds become unavailable; or

• in our judgment, the Funds no longer are suitable (or are no longer the most suitable) for the Subaccounts.

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 35

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If any of these situations occur, we have the right to substitute a Fund currently listed in this prospectus (existing Fund) for another Fund (new Fund). The new Fund may have higher fees and/or operating expenses than the existing Fund. Also, the new Fund may have investment objectives and policies and/or investment advisers which differ from the existing Fund.

We may also:

• add new Subaccounts;

• combine any two or more Subaccounts;

• transfer assets to and from the Subaccounts or the Variable Account; and

• eliminate or close any Subaccounts.

We will notify you of any substitution or change.

In the event of any such substitution or change, we may amend the policy and take whatever action is necessary and appropriate without your consent or approval. We will obtain any required prior approval of the SEC or state insurance departments before making any substitution or change.

Voting Rights

As a policy Owner with investments in the Subaccounts, you may vote on important Fund matters. We calculate votes separately for each Subaccount. We will send notice of shareholders' meetings, proxy materials and a statement of the number of votes to which you are entitled.

We are the legal owner of all Fund shares and therefore hold all voting rights. However, to the extent required by law, we will vote the shares of each Fund according to instructions we receive from policy Owners. We will vote shares for which we have not received instructions and shares that we or our affiliates own in our own names in the same proportion as the votes for which we received instructions. As a result of this proportional voting, in cases when a small number of policy Owners vote, their votes will have a greater impact and may even control the outcome.

The General Account

The general account includes all assets owned by RiverSource Life Insurance Co. of New York ("we", "us", "our" and "RiverSource Life of NY" refer to RiverSource Life Insurance Co. of New York), other than those in the Variable Account and our other separate accounts. Subject to applicable state law, we have sole discretion to decide how assets of the general account will be invested. The assets held in our general account support the guarantees under your policy, including the death benefit. These guarantees are subject to the claims-paying ability and financial strength of RiverSource Life Insurance Co. of New York. You should be aware that our general account is exposed to many of the same risks normally associated with a portfolio of fixed-income securities including interest rate, option, liquidity and credit risk. Unlike market and other risks that you bear directly, these risks are insurer-related risks that may indirectly affect your investment experience. You should also be aware that we issue other types of insurance policies and financial instruments and products as well, and these obligations are satisfied from the assets in our general account. Our general account is not segregated or insulated from the claims of our creditors. The financial statements contained in the SAI include a further discussion of the risks inherent within the investments of the general account. The Fixed Account and the Indexed Accounts are the options supported by our general account that we make available under the policy.

Because of exemptive and exclusionary provisions we have not registered interests in the Fixed Account or the Indexed Accounts as securities under the Securities Act of 1933 nor have any of these accounts been registered as investment companies under the Investment Company Act of 1940. Accordingly, neither the Fixed Account nor the Indexed Accounts nor any interests therein are subject to the provisions of these Acts. With respect to the Indexed Accounts, RiverSource Life of NY represents that the Indexed Accounts offered under the policies are in substantial compliance with the conditions set forth in Section 989J(a)(1)-(3) of the Dodd-Frank Wall Street Reform and the Consumer Protection Act. The policy complies with all applicable state standard nonforfeiture compliance interest rate assumptions for life insurance.

These general account options have not been registered with the Securities and Exchange Commission ("SEC"). Disclosures regarding these options, however, are subject to certain generally applicable provisions of the federal securities laws relating to the accuracy and completeness of statements made in a prospectus.

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36 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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The Fixed Account

You can allocate Net Premiums to the Fixed Account, transfer Policy Value from the Subaccounts to the Fixed Account, or allocate the Segment maturity value of an Indexed Account to the Fixed Account. Amounts allocated to the Fixed Account become part of our general account. Also, if fees and charges under the policy are deducted from the Fixed Account, you could lose more than the premiums you've paid into the Fixed Account. For further discussion see "Order of Deductions from Policy Value."

Placing Policy Value in the Fixed Account does not entitle you to share in the general account's investment experience, nor does it expose you to the general account's investment risk. Instead, we guarantee that the Policy Value you place in the Fixed Account will accrue interest at an effective annual rate of at least 1% (2% for policy applications signed prior to December 4, 2020), independent of the actual investment experience of the general account. Keep in mind that this guarantee is subject to the creditworthiness and continued claims-paying ability of RiverSource Life Insurance Co. of New York. We are not obligated to credit any interest in excess of the guaranteed rate of 1% (2% for policy applications signed prior to December 4, 2020), although we may do so at our sole discretion, or if required by state law. Interest rates credited in excess of the guaranteed rate generally will be based on various factors related to future investment earnings. We will not credit interest in excess of 1% (2% for policy applications signed prior to December 4, 2020) on any portion of Policy Value in the Fixed Account against which you have a policy loan outstanding.

Your statement will include the average interest rate currently earned on Policy Value in the Fixed Account as well as the interest rate that will be credited on any new money allocated to the Fixed Account. Interest is credited daily. For additional information on interest rates, contact your sales representative or RiverSource Life Insurance Co. of New York at the address or telephone number shown on the first page of this prospectus.

The Indexed Accounts

(Key terms used in this Indexed Accounts section are described below.)

You can allocate Net Premiums to the Indexed Accounts, transfer Policy Value from the Subaccounts or the Fixed Account to the Indexed Accounts or allocate the Segment maturity value of an Indexed Account to the Indexed Accounts. Amounts allocated to the Indexed Accounts become part of the general account. Placing Policy Value in the Indexed Accounts does not entitle you to share in the general account's investment experience, nor does it expose you to the general account's investment risk. Instead, the Policy Value that you place in the Indexed Accounts earns interest based on a change in the value of the S&P 500 Index. Therefore, the interest credited is independent of the actual investment experience of the general account. Keep in mind that this is subject to the creditworthiness and continued claims paying ability of RiverSource Life Insurance Co. of New York. The indexed interest rate credited over an Indexed Interest Period will always be greater than or equal to the Segment Floor which is 0% for the 1-Year Point-to-Point Indexed Account and 1% for the 2-Year Point-to-Point Indexed Account. This means that you may never receive indexed interest on amounts invested in the 1-Year Point-to-Point Indexed Account and you may receive only 1% for amounts invested in the 2-Year Point-to-Point Indexed Account. Also, if fees and charges under the policy are deducted from the Indexed Accounts, you could lose more than the premiums you've paid into the Indexed Account(s). For further discussion see "Order of Deductions from Policy Value."

Indexed Interest Rates credited will be based on various factors including: 1) the return of the underlying index (currently the S&P 500 Index for both the 1-Year and 2-Year Point-to-Point Indexed Accounts); 2) the Segment Participation Rate (currently 100% for both the 1-year and 2-Year Point-to-Point Indexed Accounts); and 3) the cap and floor rates in effect at the start of each Segment. A Segment is the portion of an Indexed Account that is associated with a particular Segment Start Date. The Segment Participation Rate is the percentage of the Index Growth Rate that is used to calculate indexed interest. The cap rate is the maximum interest rate over an Indexed Interest Period (1-Year or 2-Year period). The cap rate will never be lower than 3% for the 1-Year Point-to-Point Indexed Account (considered a 3% "cap"), and 5% for the entire two years of the 2-Year Point-to-Point Indexed Account (considered a 5% "cap").

When you apply for your policy you will receive an illustration showing the current Indexed Account cap rates in effect at that time. Subsequently, your statement will include the current cap rate in effect that will apply to new Indexed Account Segments. In addition, we will provide notification on your statement if a Segment cap rate has decreased since your last statement.

An Indexed Account includes a corresponding Interim Account and one or more Segments. Any money allocated to an Indexed Account will first be deposited into the corresponding Interim Account. An Interim Account temporarily holds Net Premiums, loan repayments and other amounts you request to be allocated to an Indexed Account. An Interim Account earns interest at a fixed rate not less than the Fixed Account guaranteed interest rate shown in the Policy Data section of the policy.

On the 20th day of the calendar month, if the value of the Interim Account is $25 or greater, it will be transferred to a Segment of the corresponding Indexed Account. This will begin a new "Segment", which is the portion of an Indexed Account created each time a transfer is made from the Interim Account to the Indexed Account. A Segment lasts for a

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 37

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12- or 24-month term and is eligible for indexed interest at the Segment Maturity Date (the last day of the 12- or 24-month term). Once money is transferred to a Segment it cannot be transferred out of the Segment until the Segment Maturity Date, unless required to satisfy monthly deduction requirements or as required to make a loan or surrender. You may have Policy Value in multiple Segments at any given time.

Indexed interest is credited to the Segment at the end of the Segment Term and is equal to the average Segment Value multiplied by the Indexed Interest Rate. For a given Segment, the average Segment Value is the average of the values at the end of each Segment month over the Indexed Interest Period. A Segment month ends on the same day each month as the Segment Start Date. An Indexed Interest Period is the length of time a Segment in an Indexed Account is open. Currently, the Segment Term for an Indexed Account is equal to the Indexed Interest Period for that account.

**Examples.** The examples set forth below illustrate how indexed interest is calculated.

---

| | |
|:---|:---|
| **<u>Assumptions</u>** |  |
| Segment Growth Cap: | 7% |
| Segment Floor: | 0% |
| Segment Participation Rate: | 100% |
| Average Segment Value: | $5000 |

---

**Example 1** – Up-market:

This example shows the policy was credited with $350 for the Segment Term.

Starting S&P 500 Index value: 1,000 <br> Ending S&P 500 Index value: 1,200

The Index Growth Rate is the ending S&P 500 Index value divided by the starting S&P 500 Index value minus 1:

---

| | | | | |
|:---|:---|:---|:---|:---|
| ( | 1200 | –1 | = | 20% |
| ( | 1000 | –1 | = | 20% |

---

The Indexed Interest Rate is equal to the lesser of a) the Index Growth Rate multiplied by the Segment Participation Rate or b) the Segment Growth Cap of 7%, but not less than the Segment Floor of 0%:

&nbsp;&nbsp;&nbsp;&nbsp;a)

20% (Index Growth Rate) x 100% (Segment Participation Rate) = 20%

&nbsp;&nbsp;&nbsp;&nbsp;b)

Segment Growth Cap of 7%

but not less than Segment Floor of 0%.

Therefore, in this example the Indexed Interest Rate is capped at 7%.

The indexed interest credited is the average Segment Value multiplied by the Indexed Interest Rate:

$5,000 x 7% = $350

**Example 2** – Down-market:

This example shows the policy was credited with $0 for the Segment Term.

Starting S&P 500 Index value: 1,000 <br> Ending S&P 500 Index value: 900

The Index Growth Rate is the ending S&P 500 Index value divided by the starting S&P 500 Index value minus 1:

---

| | | | | |
|:---|:---|:---|:---|:---|
| ( | 900 | –1 | = | -10% |
| ( | 1000 | –1 | = | -10% |

---

The Indexed Interest Rate is equal to the lesser of a) the Index Growth Rate multiplied by the Segment Participation Rate or b) the Segment Growth Cap of 7%, but not less than the Segment Floor of 0%:

&nbsp;&nbsp;&nbsp;&nbsp;a)

-10% (Index Growth Rate) x 100% (Segment Participation Rate) = -10%

&nbsp;&nbsp;&nbsp;&nbsp;b)

Segment Growth Cap of 7%

but not less than Segment Floor of 0%.

Therefore, in this example the Indexed Interest Rate is 0%.

The indexed interest credited is the average Segment Value multiplied by the Indexed Interest Rate:

$5,000 x 0% = $0

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38 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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**Example 3** – Semi up-market:

This example shows the policy was credited with $250 for the Segment Term.

Starting S&P 500 Index value: 1,000 <br> Ending S&P 500 Index value: 1,050

The Index Growth Rate is the ending S&P 500 Index value divided by the starting S&P 500 Index value minus 1:

---

| | | | | |
|:---|:---|:---|:---|:---|
| ( | 1050 | –1 | = | 5% |
| ( | 1000 | –1 | = | 5% |

---

The Indexed Interest Rate is equal to the lesser of a) the Index Growth Rate multiplied by the Segment Participation Rate or b) the Segment Growth Cap of 7%, but not less than the Segment Floor of 0%:

&nbsp;&nbsp;&nbsp;&nbsp;a)

5% (Index Growth Rate) x 100% (Segment Participation Rate) = 5%

&nbsp;&nbsp;&nbsp;&nbsp;b)

Segment Growth Cap of 7%

but not less than floor of 0%.

Therefore, in this example the Indexed Interest Rate is 5%.

The indexed interest credited is the average Segment Value multiplied by the Indexed Interest Rate:

$5,000 x 5% = $250

Segment Maturity Value

The Segment Growth Cap, Segment Floor and Segment Participation Rate are declared at the beginning of each Segment. At Segment maturity, the amount reallocated to the Indexed Account(s) along with any money in the Interim Account is combined to start a new Segment, the Segment Growth Cap is set and the process of crediting interest for that new Segment starts over again. The Segment Growth Cap is the limit on the index growth used in calculating the indexed interest. The Segment Floor provides protection when the performance of the index is less than the Segment Floor. The Segment Participation Rate reflects how much of the Index Growth Rate will be utilized in calculating the indexed interest. The guaranteed minimum Segment Growth Cap, Segment Floor and Segment Participation Rate is shown in the policy under Policy Data. Subsequent Segment Growth Caps, Segment Floors and Segment Participation Rates that we set may differ, but will never be less than the guaranteed minimum rates. Please contact your sales representative to determine the current Segment Growth Cap, Segment Floor and Segment Participation Rate for the Indexed Accounts available under the policy. Each indexed account has a different risk and return profile and a different range of potential outcomes. Any allocation you select should take into account your financial objectives, time horizon and risk tolerance. You should discuss the indexed account parameters with your registered representative to ensure you understand how they may affect the indexed interest credited for each Indexed Account.

The indexed interest credited plus the Segment value at the end of the Segment result in the Segment maturity value. The Segment maturity value is reallocated to the Fixed Account, Subaccounts, and/or Indexed Accounts according to the Segment maturity reallocation percentages you have selected. The amount reallocated to the Indexed Accounts along with any money in the Interim Account is then combined to start a new Segment. Each available Indexed Account has its own Segment reallocation percentages that can be selected when you apply for the policy. You may change the Segment reallocation percentages at any time by written request or any other requests acceptable to us. Any change to the Segment reallocation percentages will be effective for all Segments of an Indexed Account maturing after the receipt of the request. In absence of a selection of the Segment reallocation percentages, Segment maturity value will be allocated to the same Indexed Account.

On the Insured's Attained Insurance Age 119 anniversary, Segment reallocation percentages will be set to allocate any Segment maturity value to the Fixed Account and may not be changed.

Once benefit payments begin for any rider paying benefits due to chronic or terminal illness, the Segment maturity reallocation percentages will be set to allocate all amounts to the Fixed Account. The Segment reallocation percentages cannot be changed while on claim. Upon expiry of the claim, we must receive written instructions from you in order to change the Segment reallocation percentages.

The Indexed Account options available under the policy are shown in the Policy Data section of the policy. We reserve the right to add, remove or change one or more of the Indexed Account options. Also, we may substitute a comparable index if an index is discontinued, substantially changed or, at our sole discretion, we determine that an index should no longer be used. Any such substitution is subject to approval by the appropriate state insurance regulatory authorities. If an index is discontinued or substantially changed, we may mature Segments early. If we mature a Segment early, we will notify you. If we substitute a comparable index, the new index will only apply to new Segments. We will notify you, and

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 39

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any assignee of record, before a substitute index is used. If no such comparable index is approved, or it would not be prudent to substitute such an index, we reserve the right to stop offering an Indexed Account. In this case, the value of the discontinued Indexed Account will be transferred to the Fixed Account.

It is not possible to invest directly in an index. An Indexed Account is indirectly impacted by the market since it is not directly invested in any stock or equity investments. Any indexed interest credited will be affected by changes in the corresponding index(es).

**Key Terms for the Indexed Accounts Section** 

**1-Year Point-to-Point Indexed Account:** An Indexed Account option under the policy that credits interest based on the percentage change in value of one or more designated index(es) between two points in time over a one-year period (subject to a Segment Growth Cap, Segment Floor and Segment Participation Rate).

**2-Year Point-to-Point Indexed Account:** An Indexed Account option under the policy that credits interest based on the percentage change in value of one or more designated index(es) between two points in time over a two-year period (subject to a Segment Growth Cap, Segment Floor and Segment Participation Rate).

**Indexed Account:** The portion of the Policy Value that earns interest based on a change in the value of one or more designated indexes.

**Indexed Account Value:** The sum of the values of the Segments of an Indexed Account plus the value of the Indexed Account's corresponding Interim Account.

**Index Growth Rate:** The Index Growth Rate is calculated as (B divided by A) minus 1, where:

A = the final value of the index as of the day before the beginning of the Indexed Interest Period; and

B = the final value of the index as of the day before the end of the Indexed Interest Period.

The final value of an index used in calculating the Index Growth Rate is the value determined by that index's provider as the index's final value on a business day. A business day is a day on which the New York Stock Exchange is open for business. If we need to determine the final value on any day that is not a business day, we will use the final value for the next business day following that day. If no final value is determined for any index as of a business day, we will use the final value for the most recent preceding business day for which a final value was determined for that index.

The Index Growth Rate does not include gains in the index that come from dividends.

**Indexed Interest Period**: The length of time a Segment in an Indexed Account is open. Currently, the Segment Term for an Indexed Account is equal to the Indexed Interest Period for that account.

**Indexed Interest Rate**: The Indexed Interest Rate reflects any growth in the value of the index, subject to the Segment Growth Cap and Segment Floor. The Indexed Interest Rate is equal to the lesser of (a x b) – (d) or (c – d), but will never be less than (e), where:

(a) is the Index Growth Rate;

(b) is the Segment Participation Rate;

(c) is the Segment Growth Cap;

(d) is the Cumulative Guaranteed Indexed Interest Rate; and

(e) is the Segment Floor.

**Interim Account:** An Interim Account corresponds to an Indexed Account. The Interim Account temporarily holds Net Premiums, loan repayments and other amounts you request to be allocated or transferred to a segment of its corresponding Indexed Account.

**Segment:** A Segment is the portion of an Indexed Account that is associated with a particular Segment Start Date.

**Segment Floor:** The minimum total Interest Rate for a Segment over the Indexed Interest Period, including both the Segment guaranteed annual interest rate and the Indexed Interest Rate.

**Segment Growth Cap:** The maximum total interest rate for a Segment over the Indexed Interest Period, including both the Segment guaranteed annual interest rate and the Indexed Interest Rate.

**Segment Maturity Date**: The last day of a Segment Term.

**Segment Participation Rate**: The percentage of the Index Growth Rate that is used to calculate indexed interest.

**Segment Start Date:** The date on which amounts are transferred or reallocated to a Segment of an Indexed Account. Segment months, Segment years and Segment Terms are all measured from this date.

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40 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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**Segment Term:** The length of time a Segment is open. Each Segment begins on its Segment Start Date and ends on its Segment Maturity Date, which is determined by the Segment Term. The Segment Term for each Indexed Account is shown in the policy under Policy Data. Currently, the Segment Term for an Indexed Account is equal to the Indexed Interest Period for that account.

Purchasing Your Policy

Application

Your sales representative will help you complete an application and send it to our Service Center. We are required by law to obtain personal information from you which we will use to verify your identity. If you do not provide this information, we reserve the right to refuse to issue your policy or take other steps we deem reasonable. When you apply, you:

• select a Specified Amount of insurance;

• select a death benefit option;

• designate a Beneficiary; and

• state how premiums are to be allocated among the Fixed Account, the Indexed Accounts and the Subaccounts.

**Insurability:** Before issuing your policy, we require satisfactory evidence of the insurability of the person whose life you propose to insure (yourself or someone else). Our underwriting department will review your application and any medical information or other data required to determine whether the proposed individual is insurable under our underwriting rules. We may decline your application if we determine the individual is not insurable and we will return any premium you have paid.

**Age limit:** We generally will not issue a policy where the proposed Insured is over the Insurance Age of 85. We may, however, do so at our sole discretion.

**Risk Classification:** The Risk Classification is based on the Insured's health, occupation or other relevant underwriting standards. This classification will affect the monthly deduction and may affect the cost of certain optional insurance benefits. (See "Loads, Fees and Charges.")

**When insurance coverage is in effect:** Insurance coverage is in effect when we issue the policy, you have paid any premium necessary to keep the policy in force, the policy has been delivered to you and you have accepted the policy. Conditional insurance coverage will be in effect prior to delivery of the policy only if certain conditions have been met, as stated in the application form.

**Other conditions:** In addition to proving insurability of the Insured, you and the Insured must meet certain conditions stated in the application form before coverage will become effective and your policy will be delivered to you. The only way the policy may be modified is by a written agreement signed by our President, or one of our Vice Presidents, Secretaries or Assistant Secretaries.

**Incontestability:** We will have two years from the effective date of your policy or from reinstatement of your policy (see "Keeping the Policy in Force — Reinstatement") to contest the truth of statements or representations in your application. After the policy has been in force during the Insured's lifetime for two years from the Policy Date, we cannot contest the truth of statements or representations in your application.

Choice of Tax Test

When you apply for your policy, you need to select one of two life insurance qualification tests which will be used to determine whether your policy continues to qualify as life insurance, as outlined under Section 7702 of the Internal Revenue Code of 1986, as amended (Code).

The two tests are:

&nbsp;&nbsp;&nbsp;&nbsp;(1) the guideline premium test (GPT), or

&nbsp;&nbsp;&nbsp;&nbsp;(2) the cash value accumulation test (CVAT).

The test you choose cannot be changed after your policy is issued. If you do not choose a life insurance qualification test when you apply for your policy, the GPT will be applied to your policy. For policies with large amounts of planned premium, we may limit the choice to the GPT.

As mentioned in the Proceeds Payable Upon Death section, regardless of which death benefit option is in effect on the policy, there is always a minimum death benefit amount equal to a percentage of the Policy Value. These percentages, and thus the minimum death benefit amount, are defined under Section 7702 of the Code and differ based on the test selected. In general, the percentages under the CVAT are higher than the percentages under the GPT. A policy's specific percentages are shown in the Death Benefit Percentage table under Policy Data.

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 41

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In addition to defining a minimum death benefit amount, the Code also defines a limit to the amount of premium that can be paid under the GPT.

***Considerations when choosing the life insurance qualification test for your policy:*** 

Due to no premium limitations in the CVAT under the Code, the CVAT typically allows more flexibility in the amount and timing of premium that can be paid. *Please note, under both tests, any premium paid which increases the Net Amount at Risk may be subject to underwriting and require an increase in the Specified Amount prior to us accepting the premium.* 

For the same premium, the GPT may result in a higher death benefit in early years due to the premium limitations for a given Specified Amount, while the CVAT may result in a higher death benefit long-term due to higher death benefit percentages. Monthly cost of insurance charges that are based on the Net Amount at Risk may be greater on policies using the test that has the higher death benefit at any given time.

***Potential Distributions of Policy Value under the CVAT*** 

Under the CVAT, if the death benefit less the Policy Value, ever exceeds three times the distribution threshold as defined below, we reserve the right to make a distribution from Policy Value. The distribution would be the amount needed to make the death benefit, less the Policy Value, equal to three times the distribution threshold.

The distribution threshold is equal to:

&nbsp;&nbsp;&nbsp;&nbsp;(a) + (b)

Where:

&nbsp;&nbsp;&nbsp;&nbsp;(a) is the initial Specified Amount; and

&nbsp;&nbsp;&nbsp;&nbsp;(b) is the amount of any increase in Specified Amount other than that resulting solely from a change in the death benefit option.

Right to Examine Your Policy ("Free Look")

Upon cancellation, you will receive a full refund of all premiums paid, including any policy fees or other charges, less Indebtedness. You may mail or deliver the policy to our Service Center or to your sales representative with a written request for cancellation by the 10th day or the 60th day if the policy is intended to replace an existing policy) after you receive it. On the date your request is postmarked or received, the policy will immediately be considered void from the start.

Under our current administrative practice, your request to cancel the policy under the "Free Look" provision will be honored if received at our Service Center within 30 days from the latest of the following dates:

• The date we mail the policy from our Service Center.

• The Policy Date (only if the policy is issued in force).

• The date your sales representative delivers the policy to you as evidenced by our policy delivery receipt, which you must sign and date.

We reserve the right to change or discontinue this administrative practice at any time.

Premiums

**Payment of premiums:** An initial premium equal to the monthly premium required to keep the Minimum Initial Premium Guarantee in effect is required to be paid on or before the Policy Date and must be received by us before the policy can become effective. No insurance will take effect until this amount is paid. Additionally, in applying for your policy you decide how much you intend to pay and how often you will make future payments. **During the first several policy years until the Policy Value is sufficient to cover the Surrender Charge, we require that you pay the Minimum Initial Premium in effect in order to keep the policy in force.** The Scheduled Premium serves only as an indication of your intent as to the frequency and amount of future premium payments. You may skip Scheduled Premium payments at any time if your Cash Surrender Value is sufficient to pay the monthly deduction or if you have paid sufficient premiums to keep the NLG in effect.

To determine the amount of Scheduled Premium, you may consider a number of factors including, but not limited to:

• the Specified Amount;

• the Insured's sex (unless unisex rates are required by law);

• the Insured's issue age;

• the Insured's Risk Classification;

• premium frequency; and

• the death benefit option.

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42 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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You may schedule payments annually, semiannually, quarterly or monthly. (We must approve payment at any other interval.) The Scheduled Premium you have chosen is shown under Policy Data in the policy. You may also pay premiums by bank authorization on a monthly or quarterly basis under our current company practice. We reserve the right to change this practice.

The Scheduled Premium serves only as an indication of your intent as to the frequency and amount of future premium payments. You may skip Scheduled Premium payments at any time if your Cash Surrender Value is sufficient to pay the monthly deduction or if you have paid sufficient premiums to keep the NLG in effect.

You may also change the amount and frequency of Scheduled Premium payments by written request. We reserve the right to limit the amount of such changes. Any change in the premium amount is subject to applicable tax laws and regulations.

Although you have flexibility in paying premiums, the amount and frequency of your payments will affect the Policy Value, Cash Surrender Value and length of time your policy will remain in force, as well as affect whether the NLG remains in effect.

**Premium limitations:** You may make unscheduled premium payments at any time and in any amount of at least $25. We reserve the right to limit the number and amount of unscheduled premium payments. No premium payments, scheduled or unscheduled, are allowed on or after the Insured's Attained Insurance Age 120.

**Allocation of premiums:** Until the Policy Date, we hold premiums, if any, in the Fixed Account and we credit interest on any Net Premiums at the current Fixed Account rate. As of the Policy Date, we will allocate the Net Premiums plus accrued interest to the accounts you have selected in your application. At that time, we will begin to assess the monthly deduction and other charges.

When we receive Notice of Claim for any rider paying benefits due to chronic or terminal illness, the premium allocation percentages will be set to allocate all amounts to the Fixed Account. The premium allocation percentages cannot be changed while on claim. Upon expiry of the claim, you may change the premium allocation percentages by sending a written request to our Service Center.

On the Insured's Attained Insurance Age 120 anniversary, the premium allocation percentages will be set to allocate all premium and loan repayments to the Fixed Account, and may not be changed.

**Additional premiums:** We credit additional premiums you make to your accounts on the Valuation Date we receive them. If we receive an additional premium at our Service Center before the Close of Business, we will credit any portion of that premium allocated to the Subaccounts using the Accumulation Unit value we calculate on the Valuation Date we received the premium. If we receive an additional premium at our Service Center at or after the Close of Business, we will credit any portion of that premium allocated to the Subaccounts using the Accumulation Unit value we calculate on the next Valuation Date after we received the premium.

Policy Value

The value of your policy is the sum of values in the Fixed Account, Indexed Account(s) and each Subaccount of the Variable Account. We value your accounts as follows:

Fixed Account

We value the amounts you allocate to the Fixed Account directly in dollars. The Fixed Account Value equals:

• the sum of your Net Premiums, transfer amounts (including loan transfers), and any applicable policy value credit allocated to the Fixed Account; plus

• interest credited; minus

• the sum of amounts surrendered (including any applicable Surrender Charges) and amounts transferred out of the Fixed Account (including loan transfers); minus

• any portion of the monthly deduction for the coming month that is allocated to the Fixed Account.

Indexed Accounts

Amounts allocated to an Indexed Account will be held either in an Interim Account or the Indexed Account's Segments. We value the amounts you allocate to an Indexed Account directly in dollars. An Indexed Account's Value equals:

• the sum of your Net Premiums, Segment maturity reallocations, and any applicable policy value credit allocated to the Indexed Account; plus

• indexed interest credited; minus

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

• the sum of amounts surrendered (including any applicable Surrender Charges) and amounts transferred out (due to loans taken and interest charged on Indebtedness), Segment maturity reallocations allocated to the Fixed Account, any Subaccounts, or another Indexed Account; minus

• any portion of the monthly deduction for the coming month that is allocated to the Indexed Account.

Subaccounts

We convert amounts you allocate to the Subaccounts into Accumulation Units. Each time you allocate a Net Premium, transfer amounts into one of the Subaccounts from the Fixed Account or another Subaccount, or transfer amounts from the Indexed Accounts at Segment maturity, we credit a certain number of Accumulation Units to your policy for that Subaccount. Conversely, each time you take a partial surrender, transfer amounts out of a Subaccount, or we assess a charge, we subtract a certain number of Accumulation Units from your Policy Value.

Accumulation Units are the true measure of investment value in each Subaccount. They are related to, but not the same as, the net asset value of the Fund in which the Subaccount invests. The dollar value of each Accumulation Unit can rise or fall daily depending on the Variable Account expenses, performance of the Fund and on certain Fund expenses. Here is how we calculate Accumulation Unit values:

**Number of units:** To calculate the number of Accumulation Units for a particular Subaccount, we divide your investment by the current Accumulation Unit value.

**Accumulation Unit value:** The current Accumulation Unit value for each Subaccount equals the last value times the Subaccount's current net investment factor.

**We determine the net investment factor by:** 

• adding the Fund's current net asset value per share, plus the per share amount of any dividend or capital gain distributions, to obtain a current adjusted net asset value per share; then

• dividing that sum by the previous adjusted net asset value per share.

**Factors that affect Subaccount Accumulation Units:** Accumulation Units may change in two ways — in number and in value. Here are the factors that influence those changes:

The number of Accumulation Units you own may fluctuate due to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• additional Net Premiums allocated to the Subaccounts;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• any applicable policy value credit allocated to the Subaccounts;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• transfers into or out of the Subaccounts;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• amounts transferred from Indexed Accounts at Segment maturity;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• partial surrenders and partial surrender fees;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Surrender Charges; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• monthly deductions.

Accumulation Unit values will fluctuate due to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• changes in underlying Fund net asset value;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Fund dividends distributed to the Subaccounts;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Fund capital gains or losses; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Fund operating expenses.

Order of Deductions from Policy Value

Any deductions from Policy Value will be taken from the Fixed Account, minus any Indebtedness and any value that is part of an SDCA arrangement, and the Subaccounts according to the allocation percentages in effect until exhausted.

When the Fixed Account (minus any Indebtedness and any value that is part of an SDCA arrangement) and the Subaccounts have been exhausted, the remaining amount will be taken from the value of the Fixed Account that is part of an SDCA arrangement. When the value of the Fixed Account that is part of an SDCA arrangement has been exhausted, the remaining amount will be taken from the Indexed Accounts in the following order:

• the Interim Accounts, proportionally, based on the Interim Account values until exhausted; then

• the Segments of the Indexed Accounts starting with the most recently opened Segment(s); then

• the next most recently opened Segment(s), and will continue in this manner until the amount required to satisfy the deduction has been met.

For multiple Indexed Account Segments with the same start date, any deductions will be taken proportionally out of those Segments based on the values in those Segments.

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44 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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Such deductions include monthly deductions, partial surrenders, partial surrender fees, loans, loan interest and any other adjustments to Policy Value as a result of exercising a policy provision or rider.

Keeping The Policy in Force

Minimum Initial Premium Guarantee

To allow you to purchase the policy for the lowest premium possible, you may choose to pay only the Minimum Initial Premium during the Minimum Initial Premium Period as long as the Policy Value minus Indebtedness equals or exceeds the monthly deduction. If, on a Monthly Date, you have not paid enough premiums to keep the Minimum Initial Premium Guarantee in effect, the MIPG will terminate. Your policy will also enter the grace period if the Cash Surrender Value is less than the amount needed to pay the monthly deduction and the Minimum Initial Premium Guarantee is not in effect. The policy will not enter the grace period during the Minimum Initial Premium Period as shown in your policy under Policy Data, if:

• on a Monthly Date, the Policy Value minus Indebtedness equals or exceeds the monthly deduction for the policy month following such Monthly Date; and

• the sum of all premiums paid, minus any partial surrenders, and minus any Indebtedness, equals or exceeds the Minimum Initial Premium, as shown in your policy under Policy Data, times the number of months since the Policy Date, including the current month.

The Minimum Initial Premium Period is ten years.

No Lapse Guarantee

No-Lapse Guarantees are a feature of the policy guaranteeing the policy will remain in force even if the Cash Surrender Value is insufficient to pay the monthly deduction. Each policy has the following NLG options:

**No-Lapse Guarantee:** This option guarantees the policy will not Lapse before the Insured's Attained Insurance Age 75 (or 10 years, if later).

The NLG will remain in effect as long as:

&nbsp;&nbsp;&nbsp;&nbsp;• the sum of premiums paid; minus

&nbsp;&nbsp;&nbsp;&nbsp;• Partial Surrenders; minus

&nbsp;&nbsp;&nbsp;&nbsp;• outstanding Indebtedness; equals or exceeds

&nbsp;&nbsp;&nbsp;&nbsp;• the NLG Premiums due since the Policy Date.

The NLG Premium is shown in the policy.

Grace Period

If on a Monthly Date the Cash Surrender Value of your policy is less than the amount needed to pay the next monthly deduction and neither the NLG nor the minimum initial premium guarantee is in effect, you will have 61 days to pay the required premium amount. If you do not pay the required premium, the policy will Lapse.

Approximately 15 days after the grace period begins, we will mail a notice to your last known address, requesting a payment sufficient to cover any past due premiums, any premiums falling due within the 61-day grace period, and the next scheduled monthly deduction. If we receive this premium before the end of the 61-day grace period, we will use the payment to cover all monthly deductions and any other charges then due. We will add any remaining balance to the Policy Value and allocate it in the same manner as other premium payments. If the Insured dies during the grace period, we will deduct any overdue monthly deductions from the death benefit.

If you have the *AdvanceSource* Rider on your policy and the *AdvanceSource* Rider terminates at the end of the grace period while the Accelerated Benefit Insured is a Chronically Ill Individual, the rider may be reinstated provided that you submit a written request within five months after the date of termination and provided that certain other conditions are met. Those certain conditions are listed in the rider. The reinstated rider will not provide Monthly Benefit Payments during the period of Lapse to the date of reinstatement. The effective date of the reinstated rider will be the beginning of the policy month that coincides with or next follows the date we approve the Accelerated Benefit Insured's request.

Reinstatement

Your policy may be reinstated within three years after it Lapses, unless you surrendered it for cash. To reinstate, we will require:

• a written request;

• evidence satisfactory to us that the Insured remains insurable;

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

• payment of the premium we specify; and

• payment or reinstatement of any Indebtedness.

The effective date of a reinstated policy will be the Monthly Date on or next following the day we accept your application for reinstatement. Surrender Charges will return to what they would have been if the policy had not Lapsed. The NLG cannot be reinstated.

We will have two years from the effective date of reinstatement to contest the truth of statements or representations in the reinstatement application.

Proceeds Payable Upon Death

If the Insured dies while the policy is in force, we will pay a benefit to the Beneficiary of the policy when the Insured dies. The amount payable is the death benefit amount minus any Indebtedness as of the Death Benefit Valuation Date.

**Option 1 (level amount):** Under the Option 1 death benefit, if death is prior to or on the Insured's Attained Insurance Age 120, the death benefit amount is the greater of the following as determined on the Death Benefit Valuation Date:

• the Specified Amount; or

• a percentage of the Policy Value. The percentage is designed to ensure that the policy meets the provisions of federal tax law, which require a minimum death benefit in relation to Policy Value for your policy to qualify as life insurance.

**Option 2 (variable amount):** Under the Option 2 death benefit, if death is prior to or on the Insured's Attained Insurance Age 120, the death benefit amount is the greater of the following as determined on the Death Benefit Valuation Date:

• the Policy Value plus the Specified Amount; or

• a percentage of Policy Value. The percentage is designed to ensure that the policy meets the provisions of federal tax law, which require a minimum death benefit in relation to Policy Value for your policy to qualify as life insurance.

**Option 3 (return of premium, subject to a limit):** Under the Option 3 death benefit, if death is prior to or on the Insured's Attained Insurance Age 120, the death benefit amount is the greater of the following as determined on the Death Benefit Valuation Date:

1. the lesser of:

&nbsp;&nbsp;&nbsp;&nbsp;• the Specified Amount plus premiums paid, less partial surrenders and any partial surrender fees; or

&nbsp;&nbsp;&nbsp;&nbsp;• the Death Benefit Option 3 Limit shown under Policy Data; or

2. a percentage of the Policy Value. The percentage is designed to ensure the policy meets the provisions of federal tax law, which require a minimum death benefit in relation to the Policy Value for your policy to qualify as life insurance.

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

---

| | | | |
|:---|:---|:---|:---|
| **Example** | **Option 1** | **Option 2** | **Option 3** |
| Specified Amount | &nbsp;&nbsp;&nbsp;&nbsp; $100000 | &nbsp;&nbsp;&nbsp;&nbsp; $100000 | &nbsp;&nbsp;&nbsp;&nbsp; $100000 |
| Policy Value | &nbsp;&nbsp;&nbsp;&nbsp; $5000 | &nbsp;&nbsp;&nbsp;&nbsp; $5000 | &nbsp;&nbsp;&nbsp;&nbsp; $5000 |
| Premiums paid | &nbsp;&nbsp;&nbsp;&nbsp; $4000 | &nbsp;&nbsp;&nbsp;&nbsp; $4000 | &nbsp;&nbsp;&nbsp;&nbsp; $4000 |
| Death benefit | &nbsp;&nbsp;&nbsp;&nbsp; $100000 | &nbsp;&nbsp;&nbsp;&nbsp; $105000 | &nbsp;&nbsp;&nbsp;&nbsp; $104000 |
| Policy Value increases to | &nbsp;&nbsp;&nbsp;&nbsp; $8000 | &nbsp;&nbsp;&nbsp;&nbsp; $8000 | &nbsp;&nbsp;&nbsp;&nbsp; $8000 |
| Death benefit | &nbsp;&nbsp;&nbsp;&nbsp; $100000 | &nbsp;&nbsp;&nbsp;&nbsp; $108000 | &nbsp;&nbsp;&nbsp;&nbsp; $104000 |
| Policy Value decreases to | &nbsp;&nbsp;&nbsp;&nbsp; $3000 | &nbsp;&nbsp;&nbsp;&nbsp; $3000 | &nbsp;&nbsp;&nbsp;&nbsp; $3000 |
| Death benefit | &nbsp;&nbsp;&nbsp;&nbsp; $100000 | &nbsp;&nbsp;&nbsp;&nbsp; $103000 | &nbsp;&nbsp;&nbsp;&nbsp; $104000 |

---

If you want to have premium payments reflected in the form of an increasing death benefit, subject to a limit, you should consider Option 3. If you want your death benefit to include the policy Specified Amount and Policy Value, you should consider Option 2. If you are satisfied with the Specified Amount of insurance protection and prefer to have premium payments and favorable investment performance reflected to the maximum extent in the Policy Value, you should consider Option 1. Under Option 1, the cost of insurance is lower because our Net Amount at Risk is generally lower; for this reason, the monthly deduction is less and a larger portion of your premiums and investment returns is retained in the Policy Value.

Under all death benefit options, if death is on or after the Insured's Attained Insurance Age 120 Policy Anniversary, the death benefit amount will be the greater of:

• the death benefit on the Insured's Attained Insurance Age 120 Policy Anniversary, minus any partial surrenders and partial surrender fees occurring after the Insured's Attained Insurance Age 120 Policy Anniversary; or

• the Policy Value on the date of death.

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46 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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**If you have the *AdvanceSource* Rider on your policy**, the Proceeds payable upon death of the Insured on or after the Insured's Attained Insurance Age 120 Policy Anniversary is reduced by each *AdvanceSource* Rider benefit paid.

Change in Death Benefit Option

Prior to the Insured's Attained Insurance Age 120 anniversary, you may make a written request to change the death benefit option once per policy year. A change in the death benefit option also will change the Specified Amount. You do not need to provide additional evidence of insurability.

**If you change from Option 1 to Option 2:** The Specified Amount will decrease by an amount equal to the Policy Value on the effective date of the change. You cannot change from Option 1 to Option 2 if the resulting Specified Amount would fall below the minimum amount shown in the policy.

**If you change from Option 2 to Option 1:** The Specified Amount will increase by an amount equal to the Policy Value on the effective date of the change.

**If you change from Option 3 to Option 1:** The Specified Amount will be the Option 3 death benefit on the effective date of the change.

You may not change from Option 1 or Option 2 to Option 3.

An increase or decrease in Specified Amount resulting from a change in the death benefit option will affect the following:

• Monthly deduction because the cost of insurance charges depends upon the Specified Amount.

• Minimum Initial Premium.

• No-Lapse Guarantee Premium.

• Charges for the optional Accidental Death Benefit rider, Children's Insurance rider, Waiver of Monthly Deduction rider, Waiver of Premium rider and the AdvanceSource Accelerated Benefit rider – CI will increase if the death benefit option change results in an increase in the rider Specified Amount.

• If there is a requested decrease in the policy Specified Amount, the AIBR would terminate.

The Surrender Charge will not be affected.

We reserve the right to decline to make any death benefit option change that we determine would cause the policy to fail to qualify as life insurance under applicable tax laws.

**If you have the *AdvanceSource* Rider on your policy:** Neither Option 2 nor Option 3 is available.

Changes in Specified Amount

Subject to certain limitations, you may make a written request to increase or decrease the Specified Amount.

**Increases:** If you increase the Specified Amount, we may require additional evidence of insurability that is satisfactory to us.

The effective date of the increase will be the monthly anniversary on or next following our approval of the increase. The increase may not be less than $10,000 and we will not permit an increase after the Insured's Attained Insurance Age 85. We will have two years from the effective date of an increase in Specified Amount to contest the truth of statements or representations in the application for the increase in Specified Amount.

An increase in the Specified Amount will have the following effect on policy costs:

• Your monthly deduction will increase because the cost of insurance charge depends upon the Specified Amount.

• Charges for the optional Waiver of Monthly Deduction rider will increase.

• The Minimum Initial Premium and the NLG premiums will increase.

• Charges for certain optional insurance benefits may increase.

• The administrative charge will increase.

• The Surrender Charge will increase. A new schedule of Surrender Charges will apply to the amount of any increase in the Specified Amount.

At the time of the increase in Specified Amount, the Cash Surrender Value of your policy must be sufficient to pay the monthly deduction on the next Monthly Date. The increased Surrender Charge will reduce the Cash Surrender Value. If the remaining Cash Surrender Value is not sufficient to cover the monthly deduction, we will require you to pay additional premiums within the 61-day grace period. If you do not, the policy will Lapse unless the NLG or the Minimum Initial Premium guarantee is in effect.

**Decreases:** After the first policy year, you may decrease the Specified Amount, subject to all the following limitations:

• Only one decrease per policy year is allowed.

• We reserve the right to limit any decrease to the extent necessary to qualify the policy as life insurance under the Code.

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 47

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

• After the decrease, the Specified Amount may not be less than the minimum amount shown in the policy.

&nbsp;&nbsp;&nbsp;&nbsp;• In policy years 2-5, the Specified Amount remaining after the decrease may not be less than 75% of the initial Specified Amount.

&nbsp;&nbsp;&nbsp;&nbsp;• In policy years 6-10, the Specified Amount remaining after the decrease may not be less than 50% of the initial Specified Amount.

&nbsp;&nbsp;&nbsp;&nbsp;• In policy years 11-15, the Specified Amount remaining after the decrease may not be less than 25% of the initial Specified Amount.

&nbsp;&nbsp;&nbsp;&nbsp;• In policy years 16+, the Specified Amount remaining after the decrease must be at least $1,000.

The effective date of any decrease in Specified Amount is the Monthly Date on or next following the date we receive your request.

No Surrender Charge is imposed when you request a decrease in the Specified Amount. Each increase in Specified Amount is treated as a new policy for purposes of applying the limitations on decreases. Thus, the first policy year for an increase is measured from the effective date of the increase.

*Example* 

This example assumes an initial Specified Amount of $100,000. In policy year 6, you increase the initial Specified Amount by $100,000. The current Specified Amount after this increase is $200,000. In policy year 10 (and 4 policy years after the effective date of the increase), you request a $125,000 decrease in the current Specified Amount. The maximum decrease permitted under these assumptions is limited to $75,000, and the Specified Amount after this decrease is $125,000, computed as follows:

---

| | | |
|:---|:---|:---|
| Maximum reduction in initial Specified Amount in policy year 10: | $100,000 X .50 = | $50000 |
| &nbsp;&nbsp; Maximum reduction in increase in Specified Amount during the fourth policy year of <br> increase:<br>| $100,000 X .25 = | +25,000 |
| Maximum permitted reduction in current Specified Amount: |  | $75000 |
| Current Specified Amount before reduction: |  | $200000 |
| Minus maximum permitted reduction in current Specified Amount: |  | –75000 |
| Specified Amount after reduction |  | $125000 |

---

A decrease in Specified Amount will affect your costs as follows:

• Your monthly deduction will decrease because the cost of insurance charge depends upon the Specified Amount.

• The monthly deduction for the WMD will decrease.

• If there is a decrease in the policy Specified Amount that results in the ASR Specified Amount to be greater than the new policy Specified Amount, the ASR Specified Amount will be automatically decreased to equal the policy Specified Amount.

• If there is a requested decrease in the policy Specified Amount, the AIBR would terminate.

• The Minimum Initial Premium and the NLG premiums will decrease.

• The administrative charge will not change.

• The Surrender Charge will not change.

We will deduct decreases in the Specified Amount from the current Specified Amount in this order:

• First from the initial Specified Amount when the policy was issued, and

• Then from the increases successively following the initial Specified Amount.

This procedure may affect the cost of insurance if we have applied different Risk Classifications to the current Specified Amount. We will eliminate the Risk Classification applicable to the most recent increase in the Specified Amount first, then the Risk Classification applicable to the next most recent increase, and so on.

If you have the *AdvanceSource* Rider on your policy and request a decrease in the policy Specified Amount, including decreases due to partial surrenders, you may impact the *AdvanceSource* Rider Specified Amount and the remaining amount to be accelerated. After a decrease in the policy Specified Amount, if the remaining amount to be accelerated divided by the new policy Specified Amount is greater than the maximum rider Specified Amount percent shown in the "Policy Data" section of the policy, then the rider Specified Amount and the remaining amount to be accelerated will be decreased. Any resulting decrease could cause a change in the maximum monthly benefit.

Misstatement of Age or Sex

If the Insured's age or sex has been misstated, the Proceeds payable upon death will be:

• the Policy Value on the date of death; plus

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48 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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

• the amount of insurance that would have been purchased by the cost of insurance deducted for the policy month during which death occurred, if that cost had been calculated using rates for the correct age and sex; minus

• the amount of any outstanding Indebtedness on the date of death.

Suicide

Suicide by the Insured within two years from the Policy Date is not covered by the policy. If suicide occurs, the only amount payable to the Beneficiary will be the premiums paid, minus any Indebtedness and partial surrenders.

If the Insured commits suicide within two years from the effective date of an increase in Specified Amount, the amount payable for the additional Specified Amount will be limited to the monthly deductions for the Additional Specified Amount.

Beneficiary

Initially, the Beneficiary will be the person you designate in your application for the policy. You may change the Beneficiary by giving us written notice, subject to requirements and restrictions stated in the policy. If you do not designate a Beneficiary, or if the designated Beneficiary dies before the Insured, the Beneficiary will be you, if living. If you are not living, the Beneficiary will be your estate.

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 49

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Other Benefits Available Under the Contract

In addition to the standard death benefit(s) associated with your contract, other standard and/or optional benefits may also be available to you. The following table summarizes information about those benefits. Information about the fees associated with each benefit included in the table may be found in the Fee Table.

---

| | | | |
|:---|:---|:---|:---|
| **Name of Benefit** | **Purpose** | **Is the Benefit**<br> **Standard or**<br> **Optional**<br>| **Brief Description of Restrictions /** <br> **Limitations**<br>|
| **Accelerated** <br> **Benefit Rider for** <br> **Terminal Illness** <br> **(ABRTI)**<br>| The ABRTI allows the Owner to withdraw <br> part of the death benefit if the Insured <br> becomes terminally ill.<br>| Optional | •Death benefit can only be accelerated <br> if the Insured is diagnosed as <br> terminally ill as defined in the rider.<br>• The accelerated benefit creates a lien <br> against the policy's death benefit and <br> interest will be added to the lien as it <br> accrues.<br>• At the Insured's death, the policy's <br> Beneficiary would receive only the <br> death benefit remaining after the lien <br> has been deducted.<br>|
| **Accidental Death** <br> **Benefit (ADB)**<br>| The Accidental Death Benefit rider <br> provides for an additional death benefit <br> if the Insured's death is caused by <br> accidental injury prior to the Attained <br> Insurance Age70Policy Anniversary.<br>| Optional | •ADB is available for Insureds Issue <br> Ages 5-65.<br>• ADB will only pay the additional <br> accidental death benefit if the <br> Insured's death is caused by <br> accidental injury prior to the Insured's <br> Attained Insurance Age70Policy <br> Anniversary.<br>• Death must occur within 90 days of <br> the accidental injury to be considered <br> for the accidental death benefit.<br>|
| **Automatic** <br> **Increase Benefit** <br> **Rider (AIBR)**<br>| The Automatic Increase Benefit Rider <br> (AIBR) provides for an increase in the <br> Specified Amount on each Policy <br> Anniversary without evidence of <br> insurability. The amount of the increase <br> will be based on a percentage of the <br> Specified Amount in effect at the time of <br> the increase. The percent is chosen by <br> the policy Owner at the time of <br> application.<br>| Optional | •AIBR is only available at issue.<br> • AIBR is available to Insureds Issue <br> Ages 0–60.<br>• AIBR cannot be added to policies with <br> an Insured that has a substandard <br> Risk Classification.<br>• The automatic increase percent <br> cannot be changed once the policy <br> has been issued.<br>• The lifetime maximum amount of all <br> automatic increases combined is <br> $750,000.<br>• The AIBR will terminate at the earlier <br> of:<br>• The Insurance Attained Insurance Age <br> 65Policy Anniversary, or<br>• The date the lifetime maximum of <br> $750,000 is reached, or<br>• The date the policy owner rejects an <br> automatic increase, or<br>• The date the policy owner requests a <br> decrease in the Specified Amount, <br> (Partial Surrenders and death benefit <br> option changes that result in a <br> decrease in Specified Amount do not <br> cause the rider to terminate), or<br>• When the policy owner requests to <br> have the rider removed, or<br>• The date the policy terminates for any <br> reason. <br>|

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50 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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| | | | |
|:---|:---|:---|:---|
| **Name of Benefit** | **Purpose** | **Is the Benefit**<br> **Standard or**<br> **Optional**<br>| **Brief Description of Restrictions /** <br> **Limitations**<br>|
| **Children's** <br> **Insurance Rider** <br> **(CIR)**<br>| The Children's Insurance Rider (CIR) <br> provides level term coverage on each <br> eligible child.<br>| Optional | •CIR is available for Insureds Issue <br> Ages 16-60. <br>• CIR provides insurance on the <br> Insured's children ages 15 days to <br> 19 years at issue and any children <br> born after issue and prior to the <br> Insured's Attained Insurance Age65<br> Policy Anniversary.<br>• Coverage on a child will expire on the <br> earlier of the child's 22nd birthday or <br> the Insured's Attained Insurance Age <br> 65Policy Anniversary.<br>|
| **Overloan** <br> **Protection** <br> **Benefit (OPB)**<br>| Protects the policy from Lapsing as a <br> result of the loan balance exceeding the <br> Policy Value when certain conditions are <br> met.<br>| Optional | •OPB can only be exercised if the <br> death benefit option 1 is in effect.<br>• The policy must be in force for at <br> least 15 years before the OPB can be <br> exercised.<br>• The policy may not be in the grace <br> period to exercise the OPB.<br>|
| **Waiver of** <br> **Monthly** <br> **Deduction** <br> **(WMD)**<br>| Under WMD, we will waive the monthly <br> deduction if the Insured becomes totally <br> disabled for a period of 180 consecutive <br> days when certain requirements are <br> met.<br>| Optional | •WMD is available for Insureds Issue <br> Ages 20-55.<br>• Insured must be totally disabled for <br> 180 days or longer prior to the <br> Insured's Attained Insurance Age65<br> Policy Anniversary to claim benefits.<br>• Monthly deductions will be waived for <br> a limited period of time if total <br> disability begins on or after the <br> Insured's Attained Insurance Age60<br> Policy Anniversary but before the <br> Insured's Attained Insurance Age65<br> Policy Anniversary.<br>• During a period of total disability, the <br> Specified Amount of the policy cannot <br> be increased, the death benefit <br> option cannot be changed and <br> increases in benefits under the policy <br> or any riders attached to it will not be <br> allowed.<br>• If the rider and policy are in force and <br> the rider is not on claim on the <br> Insured's Attained Insurance Age65<br> Policy Anniversary, the rider will <br> automatically terminate. <br>|

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 51

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| | | | |
|:---|:---|:---|:---|
| **Name of Benefit** | **Purpose** | **Is the Benefit**<br> **Standard or**<br> **Optional**<br>| **Brief Description of Restrictions /** <br> **Limitations**<br>|
| **Waiver of** <br> **Premium (WP)**<br>| The Waiver of Premium (WP) rider <br> provides that if the Insured becomes <br> totally disabled and total disability <br> continues for a period of 180 <br> consecutive days, RiverSource Life will <br> add to the Policy Value the specified <br> premium as shown on the Policy Data <br> page, or waive the monthly deduction for <br> the policy, whichever is higher.<br>| Optional | •WP is available for Insureds Issue <br> Ages 20-55.<br>• Insured must be totally disabled for <br> 180 days or longer prior to the <br> Insured's Attained Insurance Age65<br> Policy Anniversary to claim benefits.<br>• Benefits will be applied for a limited <br> period of time if total disability begins <br> on or after the Insured's Attained <br> Insurance Age60Policy Anniversary <br> but before the Insured's Attained <br> Insurance Age65Policy Anniversary.<br>• During a period of total disability, the <br> Specified Amount of the policy cannot <br> be increased, the death benefit <br> option cannot be changed and <br> increases in benefits under the policy <br> or any riders attached to it will not be <br> allowed.<br>• If the rider and policy are inforce and <br> the rider is not on claim on the <br> Insured's Attained Insurance Age65<br> Policy Anniversary, the rider will <br> automatically terminate.<br>|
| **Accounting Value** <br> **Increase Rider** <br> **(AVIR)**<br>| If the policy is fully surrendered while <br> the rider is in force and prior to the <br> expiration date of the rider, we will waive <br> a portion of the Surrender Charge.<br>| Optional | •AVIR is only available at issue.<br> • This rider is only available in limited <br> situations, determined at time of <br> underwriting.<br>• Surrender Charges will not be waived <br> if the policy is being surrendered in <br> exchange for a new insurance policy <br> or contract. <br>|

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52 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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| | | | |
|:---|:---|:---|:---|
| **Name of Benefit** | **Purpose** | **Is the Benefit**<br> **Standard or**<br> **Optional**<br>| **Brief Description of Restrictions /** <br> **Limitations**<br>|
| ***AdvanceSource*** <br> **Accelerated** <br> **Benefit Rider for** <br> **Chronic Illness** <br> **(ASR-CI)**<br>| ASR-CI provides a rider payment to the <br> Insured, as an acceleration of the <br> policy's death benefit, if the Insured <br> becomes a Chronically Ill Individual who <br> receives Qualified Long-term Care <br> Services.<br>| Optional | •ASR is only available at issue.<br> • ASR is available for Insureds Issue <br> Ages 0-79.<br>• The ASR Specified Amount must be <br> between 20% and 100% of the policy <br> Specified Amount.<br>• The minimum ASR Specified Amount <br> is $50,000. <br>• The minimum Specified Amount of the <br> policy with an ASR is $100,000. <br>• ASR can be issued to Insureds rated <br> substandard up to and including Table <br> D.<br>• ASR is only available on policies that <br> are death benefit option 1.<br>• Benefits under the rider will only be <br> paid if the Insured is classified as <br> Chronically Ill, as defined in the rider, <br> for at least 90 days.<br>• Benefits will not be provided under <br> this rider during the first six months <br> for qualified long-term care services <br> received by the Insured due to a <br> pre-existing condition.<br>• The rider does not cover services <br> provided by a facility or an agency <br> that does not meet the rider definition <br> of such facility or agency.<br>• Certain policy transactions are not <br> allowed while the Insured is on ASR <br> claim. This includes transfers from <br> the Fixed Account to the Subaccounts <br> or indexed accounts, partial <br> surrenders, and additional loans.<br>• The ASR does not include inflation <br> projection coverage. <br>|

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 53

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| | | | |
|:---|:---|:---|:---|
| **Name of Benefit** | **Purpose** | **Is the Benefit**<br> **Standard or**<br> **Optional**<br>| **Brief Description of Restrictions /** <br> **Limitations**<br>|
| **Automated** <br> **Transfers**<br>| Automated transfer arrangements allow <br> you to set up periodic transfers at a set <br> interval (i.e. monthly, quarterly, etc.) <br> from one investment option to one or <br> more investment option(s) under the <br> policy.<br>| Standard | •Only one automated transfer <br> arrangement can be in effect at any <br> time.<br>• Only one account can be used as the <br> source of funds in the automatic <br> transfer arrangement.<br>• The Indexed Accounts may not be <br> used as the source of funds for any <br> automated transfer arrangement.<br>• If the Fixed Account is the source of <br> funds, you cannot set up an <br> automated transfer amount that <br> would deplete the Fixed Account in <br> less than 12 months.<br>• If the value of the source of funds <br> account is less than the requested <br> automated transfer amount, that <br> occurrence of the automated transfer <br> will not process.<br>• The minimum automatic transfer <br> amount is $50.<br>• You must allow seven days for us to <br> change any automated transfer <br> arrangement instructions that are <br> currently in place.<br>• If you made a transfer from the Fixed <br> Account to one or more Subaccounts, <br> you may not make a transfer from <br> those Subaccounts back to the Fixed <br> Account until the next Policy <br> Anniversary. <br>|

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54 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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| | | | |
|:---|:---|:---|:---|
| **Name of Benefit** | **Purpose** | **Is the Benefit**<br> **Standard or**<br> **Optional**<br>| **Brief Description of Restrictions /** <br> **Limitations**<br>|
| **Automated** <br> **Dollar-Cost** <br> **Averaging (DCA)**<br>| A DCA arrangement is an automated <br> transfer arrangement designed to help <br> you benefit from fluctuations in <br> Accumulation Unit values caused by <br> fluctuations in the market values of the <br> underlying Funds. Under a DCA <br> arrangement, since you invest the same <br> amount each period, you automatically <br> acquire more units when market values <br> fall, fewer units when it rises. The <br> potential effect is to lower your average <br> cost per unit. There is no charge for <br> DCA.<br>| Standard | •Only one automated transfer <br> arrangement can be in effect at any <br> time.<br>• Only one account can be used as the <br> source of funds in the automatic <br> transfer arrangement.<br>• If the Fixed Account is the source of <br> funds, you cannot set up an <br> automated transfer amount that <br> would deplete the Fixed Account in <br> less than 12 months.<br>• If the value of the source of funds <br> account is less than the requested <br> automated transfer amount, that <br> occurrence of the automated transfer <br> will not process.<br>• The minimum automatic transfer <br> amount is $50.<br>• You must allow seven days for us to <br> change any automated transfer <br> arrangement instructions that are <br> currently in place.<br>• If you made a transfer from the Fixed <br> Account to one or more Subaccounts, <br> you may not make a transfer from <br> those Subaccounts back to the Fixed <br> Account until the next Policy <br> Anniversary.<br>|
| **Special** <br> **Dollar-Cost** <br> **Averaging** <br> **(SDCA)**<br>| An SDCA arrangement is an automated <br> transfer arrangement designed to help <br> you benefit from fluctuations in <br> Accumulation Unit values caused by <br> fluctuations in the market values of the <br> underlying Funds. Under an SDCA <br> arrangement, net Premiums and/or <br> Policy Value is allocated to the SDCA <br> portion of the Fixed Account. These <br> amounts are then subsequently <br> transferred, on a monthly basis and over <br> a 12-month period, to accounts <br> according to the premium allocation <br> currently in effect at the time of each <br> transfer. The potential effect of this <br> option is that it may allow you to lower <br> your average cost per unit. There is no <br> charge for SDCA.<br>| Standard | •The Fixed Account is the source of <br> funds.<br>• The minimum SDCA transfer amount <br> is $50.<br>• If an SDCA transfer amount is <br> allocated to one or more <br> Subaccounts, you may not make a <br> transfer from those Subaccounts <br> back to the Fixed Account until the <br> next Policy Anniversary.<br>|
| **Asset** <br> **Rebalancing**<br>| The asset rebalancing feature <br> automatically transfers Policy Value <br> between Subaccounts at set intervals <br> (i.e. monthly, quarterly, etc.) to <br> correspond to your chosen allocation <br> percentages among Subaccounts.<br>| Standard | •The Policy Value reallocated must be <br> at least $2,000 at the time the asset <br> rebalancing is set up.<br>• Asset rebalancing does not apply to <br> Policy Value in the Fixed Account.<br>• Asset rebalancing must occur <br> quarterly, semiannually or annually.<br>• You must allow 30 days for us to <br> change any asset rebalancing <br> instructions that currently are in <br> place. <br>|

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 55

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| | | | |
|:---|:---|:---|:---|
| **Name of Benefit** | **Purpose** | **Is the Benefit**<br> **Standard or**<br> **Optional**<br>| **Brief Description of Restrictions /** <br> **Limitations**<br>|
| **Paid Up** <br> **Insurance Option**<br>| You may request that we use the Cash <br> Surrender Value of the policy to <br> purchase an amount of paid-up <br> insurance prior to the youngest <br> Insured's Attained Insurance Age120.<br>| Optional | •When the Paid-Up Insurance option is <br> elected, you will forfeit all rights to <br> make future premium payments and <br> all riders will terminate.<br>• The paid-up insurance policy's death <br> benefit amount, minus its Cash <br> Surrender Value, cannot be greater <br> than your current policy's death <br> benefit, minus its Policy Value (both <br> as of the date of the paid-up <br> insurance policy's purchase).<br>|

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Additional Information About Optional Benefits

When you purchase your policy, you may add any available optional benefits to your policy in the form of riders for an additional charge (unless otherwise noted).

**Accelerated Benefit Rider for Terminal Illness (ABRTI).** If the Insured is terminally ill and death is expected to occur within six months, the rider provides that you can withdraw a portion of the death benefit prior to death.

*Example:* 

Jane Doe purchases a policy with a $500,000 Specified Amount and the Accelerated Benefit Rider for Terminal Illness (ABR-TI). Jane receives a terminal illness diagnosis as defined in the policy. She elects to receive an advance of the death benefit under the ABR-TI. At that time, there are no outstanding loans on the policy and the Specified Amount is $500,000. She elects to receive the maximum lump sum amount available to be accelerated which is 50% x $500,000 = $250,000. A one time administrative charge equal to $500 will be paid to us using an additional accelerated benefit and increasing the total accelerated benefit. The total accelerated benefit will create a lien against the policy that will be charged interest as described in the policy. The interest charged will be paid by additional accelerated benefits and will be added to the total accelerated benefit. The policy's Proceeds payable to the Beneficiary at the time of Jane's death will be the base policy death benefit less the total accelerated death benefit.

**Accidental Death Benefit Rider (ADB).** ADB provides an additional death benefit if the Insured's death is caused by accidental injury.

*Example:* 

Jane Doe purchases a base policy with a $500,000 Specified Amount and includes an Accidental Death Benefit (ADB) rider with an accidental death benefit equal to $100,000. Prior to Jane's Attained Insurance Age 70 Policy Anniversary, she dies within 180 days of an accidental injury and her death was a direct result of the accidental injury. The total Proceeds payable to the Beneficiary will be $600,000 which is equal to the base policy Proceeds of $500,000 plus the accidental death benefit of $100,000.

**Automatic Increase Benefit Rider (AIBR).** AIBR provides an increase in the Specified Amount at a designated percentage on each Policy Anniversary until the earliest of the Insured's Attained Insurance Age 65 or the occurrence of certain other events, as described in the rider.

*Example:* 

Jane Doe purchases a base policy with a $500,000 Specified Amount and the Automatic Increase Benefit Rider (AIBR) of 5%. On the first policy anniversary, the Specified Amount will increase to $525,000 which is the original Specified Amount of $500,000 times 1.05. A similar increase will automatically occur on each Policy Anniversary and no evidence of insurability will be required. The maximum amount of each annual increase is $25,000 and the lifetime maximum of all annual increases combined is $750,000. Automatic increases will occur until the earlier of Jane's Attained Insurance Age 65 Policy Anniversary or the lifetime maximum increase is reached.

**Children's Insurance Rider (CIR):** CIR provides level term coverage on each eligible child.

*Example:* 

John Doe purchases a base policy and the Children's Insurance Rider with a rider benefit amount equal to $8,000. Jane Doe is the Insured of the base policy and John is the owner. All of Jane's children, as defined in the policy, are insured under this rider. If a child of Jane's dies prior to the child's 22nd birthday and Jane's Attained Insurance Age 65 Policy Anniversary, the $8,000 rider benefit will be paid to John.

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56 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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**Overloan Protection Benefit (OPB).** The overloan protection benefit prevents the policy from Lapsing due to the loan balance exceeding Policy Value. The OPB is included with new policies. The feature may be exercised by the policy Owner when all of the following conditions are met:

• The policy has been in force for at least 15 years; and

• The Insured's Attained Insurance Age is at least 75 but not greater than 95; and

• Policy Indebtedness must be greater than the Specified Amount and greater than or equal to the Indebtedness percentage shown under Policy Data; and

• The Cash Surrender Value is sufficient to pay the exercise charge; and

• The death benefit option in effect is option 1; and

• The policy has not yet entered the grace period; and

• The policy is not a modified endowment contract, as defined by Section 7702A of the Internal Revenue Code, and exercising the benefit does not cause the policy to become a modified endowment contract; and

• No current or future distributions will be required from the policy to maintain its qualification for treatment as a life insurance policy under the Internal Revenue Code; and

• The sum of Partial Surrenders taken to date are greater than or equal to the amount that can be withdrawn from the policy without creating adverse tax consequences.

If all of the above conditions have been met, the policy owner may submit a written request to exercise the benefit to prevent the policy from entering the grace period. The benefit will become effective on the next monthly anniversary following receipt of request. Exercising the benefit is irrevocable.

A onetime charge to exercise the benefit will be deducted from Policy Value. The charge is a percentage of the Policy Value that will not exceed the maximum exercise charge of 3%.

Once the OPB has been exercised, the following changes to the base policy will occur:

1. The policy becomes a paid-up life insurance policy and no additional premium payments will be required, nor will any premium payments be accepted; however, loan repayments will be accepted.

2. Monthly deductions will no longer be taken.

3. Partial Surrenders will no longer be available.

4. Additional loans will no longer be available.

5. Any outstanding loan will remain and interest will be charged at the current loan interest rate as shown under Policy Data.

6. The NLG will no longer be in effect and cannot be reinstated.

7. The death benefit option cannot be changed.

8. Changes to the Specified Amount will no longer be allowed.

9. Any riders attached to the policy will terminate.

Once the benefit has been exercised, the death benefit will be the applicable percentage from the Death Benefit Percentage Table as shown under Policy Data, multiplied by Policy Value or Indebtedness, whichever is greater. At the time of the exercise, this means the Death Benefit will decrease by as much as the one-time OPB exercise charge, which is currently 3%, multiplied by applicable percentage from the Death Benefit Percentage Table as shown under Policy Data. This may result in a significant reduction in the Proceeds payable upon death of the last surviving Insured. The OPB will terminate upon termination of the policy. If the policy terminates and is later reinstated, the OPB will also be reinstated with the policy. When the OPB is available to exercise, a notification will be sent to the policy owner. Once the benefit is exercised, a notification listing the changes to the policy will be sent to the policy owner.

*Example:* 

Jane Doe purchases a base policy with a $1,500,000 Specified Amount, death benefit option 1, and the Overloan Protection Benefit (OPB). At the beginning of the 16th policy year:

&nbsp;&nbsp;&nbsp;&nbsp;• Jane is Attained Insurance Age 80.

&nbsp;&nbsp;&nbsp;&nbsp;• Premiums paid to date equal $700,000.

&nbsp;&nbsp;&nbsp;&nbsp;• Partial Surrenders and Partial Surrender Charges amounting to $700,000 have been taken.

&nbsp;&nbsp;&nbsp;&nbsp;• The current Specified Amount is $800,000 (the initial Specified Amount minus the Partial Surrenders and Partial Surrender Charges to date).

&nbsp;&nbsp;&nbsp;&nbsp;• The Policy Value is $850,000.

&nbsp;&nbsp;&nbsp;&nbsp;• There is outstanding Indebtedness equal to $820,000.

&nbsp;&nbsp;&nbsp;&nbsp;• The death benefit is 892,500 which is the greater of the Specified Amount and the Policy Value times 1.05 which is the applicable percentage for the Death Benefit Percentage Table.

&nbsp;&nbsp;&nbsp;&nbsp;• The Proceeds payable upon death of the Insured at this point in time would be $72,500 which is the death benefit

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 57

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of $892,500 minus the outstanding Indebtedness of $820,000.

At this point, Jane decides to exercise his OPB to prevent the policy from lapsing. The exercise of the OPB will result in the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• No more premium payments are required, nor will premium payments be accepted.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The policy will be assessed a one-time OPB exercise charge of $25,500 resulting in an updated Policy Value of $824,500.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Outstanding Indebtedness remains at $820,000.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan repayments will still be accepted.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The new death benefit immediately after the exercise will be $865,725 which is the greater of the updated Policy Value or outstanding Indebtedness times 1.05.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The Proceeds payable upon death of the Insured would now be $45,725 which is the new death benefit of $865,725 minus the outstanding Indebtedness of $820,000.

**Waiver of Monthly Deduction Rider (WMD).** Under WMD, we will waive the monthly deduction for a period of time if the Insured becomes totally disabled.

In addition:

• If total disability begins on or after Attained Insurance Age 60 Policy Anniversary but before Attained Insurance Age 65 Policy Anniversary, the monthly deduction will be waived for a limited period of time; and

• WMD also includes a waiver for involuntary unemployment benefit where monthly deductions may be waived up to 12 months.

*Example*:

Jane Doe purchases a base policy and the Waiver of Monthly Deduction rider. At Attained Insurance Age 55, Jane becomes totally disabled (as defined in the policy) and meets the requirements of the rider to qualify for waiver of the monthly deductions under the rider. We will waive the monthly deduction of the policy, this rider and all other riders attached to the policy. For any month that the monthly deduction is being waived, any Minimum Initial Premium and No-Lapse Guarantee Premium for that monthly will be zero. Since the disability began prior to Jane's Attained Insurance Age 60 Policy Anniversary, we will waive monthly deductions until either Jane is no longer considered totally disabled or John's Attained Insurance Age 120 Policy Anniversary.

**Waiver of Premium Rider (WP).** Under WP, if total disability begins before Attained Insurance Age 60, prior to Attained Insurance Age 65 we will add the specified premium shown under Policy Data in the policy to the Policy Value or waive the monthly deduction if higher. On or after Attained Insurance Age 65, we will waive the monthly deduction.

In addition, WP also includes a waiver for involuntary unemployment benefit where monthly deductions may be waived up to 12 months.

*Example:* 

Jane Doe purchases a base policy and the Waiver of Premium rider with a $150 per month specified premium. At age 55, Jane becomes totally disabled (as defined in the policy) and meets the requirements of the rider to qualify for benefits under the rider. As long as Jane remains totally disabled, prior to Jane's Attained Insurance Age 65 Policy Anniversary, we will add the greater of the WP specified premium or the monthly deduction to the policy value each month. After Jane's Attained Insurance 65 Policy Anniversary, we will add the monthly deduction to the policy value each month. Since the disability began prior to Jane's Attained Insurance Age 60 Policy Anniversary, we will continue to pay the rider benefit until either Jane is no longer considered totally disabled or Jane's Attained Insurance Age 120 Policy Anniversary.

**Accounting Value Increase Rider (AVIR):** If the policy is fully surrendered while the rider is in force and prior to the expiration of the rider at the end of the eighth policy year, we will waive a portion of the Surrender Charge. The percentage waived is set at issue and applies to all AVIRs. The percentage waived is shown in the table below.

Please note the following about AVIR:

• The amount waived is a percentage of the Surrender Charge that would apply to the initial Specified Amount.

• The waiver does not apply to any Surrender Charge due to increases in Specified Amount, or to Partial Surrenders.

• Surrender Charges will not be waived if the policy is being surrendered in exchange for a new insurance policy or contract.

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58 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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During the surrender charge period of the policy, the percentage waived at Full Surrender is shown below:

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| | |
|:---|:---|
| **Policy Years(s)** | **% of Surrender Charge Waived** |
| 1 - 4 | 100% |
| 5 | 80% |
| 6 | 65% |
| 7 | 50% |
| 8 | 35% |
| 9+ | 0% |

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*Example*:

Jane Doe purchases a base policy with a $500,000 Specified Amount and the Accounting Value Increase Rider (AVIR). Jane decides to do a Full Surrender in the sixth policy year when the Policy Value is $60,000 and the Surrender Charge is $8,500. Due to the AVIR, instead of paying the Surrender Charge of $8,500, we will waive 65%, or $5,525, resulting in an actual Surrender Charge of $2,975. Therefore, the final Proceeds payable upon Surrender would be $57,025 which is the $60,000 Policy Value minus the actual Surrender Charge of $2,975.

**Paid Up Insurance Option:** You may request that we use the Cash Surrender Value of the policy to purchase an amount of paid-up insurance prior to the Insured's Attained Insurance Age 120. You may make your request in writing during the 30 days before any Policy Anniversary. The paid-up insurance policy will take effect as of the Policy Anniversary and will mature on the original policy's Insured's Attained Insurance Age 120. You will forfeit all rights to make future premium payments and all riders will terminate.

The amount and Cash Surrender Value of the paid-up insurance policy will be based on the cost of insurance rates guaranteed in the policy and on the Fixed Account guaranteed interest rate. The paid-up insurance policy's death benefit amount, minus its Cash Surrender Value, cannot be greater than your current policy's death benefit, minus its Policy Value (both as of the date of the paid-up insurance policy's purchase). The amount of paid-up insurance will remain level and will not be less than required by law.

Any Cash Surrender Value that is not used to purchase the paid-up insurance amount will be paid to you. At any time before the Insured's death, you may surrender the paid-up insurance for its Cash Surrender Value.

**AdvanceSource Accelerated Benefit Rider** 

*Key terms used in the* ***AdvanceSource Accelerated Benefit Rider*** section are describe below.

**AdvanceSource Accelerated Benefit Rider for Chronic Illness (ASR-CI).** ASR-CI provides a rider payment to the Accelerated Benefit Insured, as an acceleration of the policy's death benefit, if the Accelerated Benefit Insured becomes a Chronically Ill Individual who receives Qualified Long-term Care Services.

Please note the following about the ASR-CI:

• This rider is only available for policies purchased under the Option 1 death benefit.

• At the request of you or the Accelerated Benefit Insured the accelerated benefit under this rider will be paid each month, limited by the maximum monthly benefit to the Accelerated Benefit Insured or to any individual authorized to act on behalf of the Accelerated Benefit Insured.

• These payments are subject to certain limitations and satisfaction of eligibility requirements which include the following: 1) A current written eligibility certification from a Licensed Health Care Practitioner that certifies the Accelerated Benefit Insured is a Chronically Ill Individual; and 2) Proof that the Accelerated Benefit Insured received or is receiving Qualified Long-term Care Services pursuant to a Plan of Care; and 3) Proof that the Elimination Period has been satisfied; and 4) Written Notice of Claim and Proof of Loss, as described in the "Claim Provisions" section of the policy, in a form satisfactory to us.

• We will begin Monthly Benefit Payments under this rider when the Eligibility for the Payment of Benefits Conditions are met and a claim for benefits has been approved by us. The ASR-CI does not include inflation protection coverage and therefore the benefit level will not increase over time. Because the costs of long-term care services will likely increase over time, you should consider whether and how the benefits of the ASR-CI may be adjusted.

• Monthly Benefit Payments paid will also change other values of the life insurance policy as provided in the rider such as Policy Value less Indebtedness, Surrender Charges and monthly No-Lapse Guarantee premiums.

*Example:* 

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 59

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Jane Doe purchases a base policy with a $500,000 Specified Amount and the AdvanceSource Rider with a rider Specified Amount of $150,000 and a 3% Monthly Benefit Percent. Jane qualifies and starts to receive Qualified Long-Term Care Services. Once the elimination period is complete, we will pay the monthly benefit equal to the lesser of:

&nbsp;&nbsp;&nbsp;&nbsp;• Rider Specified Amount x Monthly Benefit Percent ($150,000 x 3% = $4,500);

&nbsp;&nbsp;&nbsp;&nbsp;• Remaining Amount to be Accelerated; or

&nbsp;&nbsp;&nbsp;&nbsp;• Maximum Monthly Benefit Limit.

When benefit payments begin, all policy value in Subaccounts will be transferred to the Fixed Account, future premium payments will be allocated to the Fixed Account and no transfers to the Subaccounts can be made during a period of coverage.

Immediately after a monthly benefit payment under the rider, the base policy Specified Amount will be reduced by the amount of the rider benefit amount. Other values of the policy will also be adjusted after each payment as described in the rider form.

The Rider's remaining amount to be accelerated will decrease after each monthly payment is made.

Under the ASR-CI the monthly benefit payment will be made to the insured.

**Key terms for the AdvanceSource Accelerated Benefit Rider:** 

The following key terms are associated with the AdvanceSource Accelerated Benefit Riders:

**Accelerated Benefit Insured:** This person is the Insured of the policy to which an *AdvanceSource* rider is attached.

**Adult Day Care:** A program that provides a protective environment and preventive, remedial and restorative services for part of the 24-hour day.

**Adult Day Care Center:** A place that is licensed to provide Adult Day Care by the state. If not licensed, it must meet certain criteria listed in an *AdvanceSource* rider.

***AdvanceSource* Rider Specified Amount:** The maximum death benefit amount that may be accelerated under an *AdvanceSource* rider. This amount is chosen in your application for the rider and is shown in the "policy data" section of the policy.

**Assisted Living Facility:** A facility that provides ongoing care and related services to inpatients in one location. In some states, if the facility is not licensed or accredited to provide such care, it must meet certain criteria listed in an *AdvanceSource* rider.

**Chronically Ill Individual:** An individual who has been certified by a Licensed Health Care Practitioner as being unable to perform (without substantial assistance from another person) at least two activities of daily living for a period of at least 90 days due to a loss of functional capacity; or requiring Substantial Supervision to protect such individual from threats to health and safety due to Cognitive Impairment.

**Cognitive Impairment:** A deficiency in a person's short-term memory; orientation as to person, place, and time; deductive or abstract reasoning; or judgment as it relates to safety awareness.

**Eligibility for the Payment of Benefits Conditions:** Eligibility requirements for claim payments include the following: 1) A current written eligibility certification from a Licensed Health Care Practitioner that certifies the Accelerated Benefit Insured is a Chronically Ill Individual; and 2) Proof that the Accelerated Benefit Insured received or is receiving Qualified Long-term Care Services pursuant to a Plan of Care; and 3) Proof that the Elimination Period has been satisfied; and 4) Written Notice of Claim and Proof of Loss, as described in the "Claim Provisions" section of the rider.

**Elimination Period:** The number of days of Qualified Long-term Care Services that are required while an *AdvanceSource* rider is in force before any benefit is available under this rider. The Elimination Period is shown in the "policy data" section of the policy. The dates of service need not be continuous; however, the Elimination Period must be satisfied within a period of 730 consecutive days. The Elimination Period must be satisfied only once while the rider is in force. Benefits will not be retroactively paid for the Elimination Period. The Elimination Period may vary by state. Please see your rider for further details.

**Home Health Care:** Personal assistance and care provided by a Home Health Care Provider in a private home or by an Adult Day Care Center.

**Home Health Care Provider:** An agency or person who provides Home Health Care.

**Hospital:** A place which, by law, provides care and treatment for sick or injured persons as resident bed patients.

**Licensed Health Care Practitioner:** A physician, a registered nurse, a licensed social worker, or any other individual who meets the requirements as may be prescribed by the U.S. Secretary of the Treasury.

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60 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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**Long-term Care Facility:** A facility, other than the acute care unit of a Hospital, that provides skilled nursing care, intermediate care, or custodial care, and is licensed by the appropriate state licensing agency or if not licensed maintains a registered nurse or licensed practical nurse on duty at all times to supervise a 24-hour nursing service, a doctor to supervise the operation of the facility, a planned program of policies and procedures that were developed with the advice of a professional group including at least one doctor or nurse, and a doctor available to furnish emergency medical care. Please note that some states have different requirements regarding what types of facilities may be considered long term care facilities. Please see your *AdvanceSource* rider for further details.

**Monthly Benefit Payment:** The amount paid for a calendar month of Qualified Long-term Care Services.

**Monthly Benefit Percent:** The percentage of the specified amount used to determine the maximum Monthly Benefit Payment under the *AdvanceSource* Rider. The percentage (1%, 2% or 3%) is elected at issue and shown in the "policy data" section of the policy.

**Notice of Claim:** The written notice required to be submitted in order to start a claim.

**Proof of Loss:** A signed form with a written statement and additional documentation needed by us in order to pay benefits under an *AdvanceSource* rider to the Accelerated Benefit Insured.

**Qualified Long-term Care Services:** Necessary diagnostic, preventive, therapeutic, curing, treating, mitigating and rehabilitative services, and maintenance or personal care services, which are:

1. required for treatment of a Chronically Ill Individual; and

2. provided pursuant to a Plan of Care prescribed by a Licensed Health Care Practitioner; and

3. provided in a Long-term Care Facility, an Assisted Living Facility, an Adult Day Care Center, or by a Home Health Care Provider.

**Substantial Supervision:** Continual supervision (which may include cuing by verbal prompting, gestures, or other demonstrations) by another person that is necessary to protect the severely cognitively impaired individual from threats to his or her health or safety (such as may result from wandering).

Additional Information About Standard Benefits (Other than Standard Death Benefits)

In addition to the standard death benefits, other standard benefits are included with your policy at no additional cost, as described further below.

**Automated Transfers:** You can arrange to have Policy Value transferred from one account to another automatically. Only one automated transfer arrangement can be in effect at any time. You can transfer all or part of the value of a Subaccount to one or more of the other Subaccounts, one or more of the Indexed Accounts and/or to the Fixed Account. You can transfer all or part of the Fixed Account Value, minus Indebtedness, to one or more of the Subaccounts and/or one or more of the Indexed Accounts. Only one account can be used as the source of funds for any automated transfer arrangement. The Indexed Accounts may not be used as the source of funds for any automated transfer arrangement. If the Fixed Account is the source of funds for the arrangement, you cannot set up an automated transfer amount that would deplete the Fixed Account in less than 12 months. There is no such restriction on automated transfer arrangements that transfer value from the Fixed Account to one or more of the Indexed Accounts only.

The minimum automated transfer amount is $50. On the date of a transfer, if the Policy Value in the source of funds account is less than the amount to be transferred under the arrangement, the transfer will not be processed.

If your policy has entered a transfer restriction period that will last for 12 months, during this period transfers from the Fixed Account or the Subaccounts to any Indexed Account will not be allowed. Any automated transfer arrangement that moves money to an Indexed Account will be terminated. Premiums and loan repayments allocated to an Indexed Account during this period will be redirected to the Fixed Account.

If you made a transfer from the Fixed Account to one or more Subaccounts, you may not make a transfer from those Subaccounts back to the Fixed Account until the next Policy Anniversary.

You may make automated transfers by choosing a schedule we provide. You must allow seven days for us to change any automated transfer arrangement instructions that are currently in place.

*Example:* 

The example below illustrates how an automated transfer arrangement works.

Jane Doe purchases a base policy. She makes a one-time premium payment at issue of $120,000 and allocates it all to the Fixed Account. She sets up an automated transfer arrangement to transfer $10,000 a month from the Fixed Account equally into two subaccounts over a 12-month period. The following shows the transaction that will automatically take place each of the next 12 months.

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 61

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---

| | | | |
|:---|:---|:---|:---|
| **Policy Value Transferring Into or Out of Each Account** | **Policy Value Transferring Into or Out of Each Account** | **Policy Value Transferring Into or Out of Each Account** | **Policy Value Transferring Into or Out of Each Account** |
| **Frequency** | **Fixed Account** | **Subaccount #1** | **Subaccount #2** |
| Monthly | -10,000 | +5,000 | +5,000 |

---

**Dollar-Cost Averaging:** Dollar-cost averaging involves investing a fixed amount at regular intervals. For example, you might have a set amount transferred monthly from a relatively conservative Subaccount to a more aggressive one, or to several others. This systematic approach can help you benefit from fluctuations in Accumulation Unit values caused by fluctuations in the market values of the underlying Fund. Since you invest the same amount each period, you automatically acquire more units when the market value falls, fewer units when it rises. The potential effect is to lower your average cost per unit. There is no charge for dollar-cost averaging.

*Example:* 

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| By investing an equal number<br> of dollars each month…<br>|  | **Month** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Amount**<br> **Invested**<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Accumulation**<br> **Unit Value**<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Number**<br> **of Units**<br> **Purchased**<br>|
|  |  | &nbsp;&nbsp; Jan | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $100 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $20 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.00 |
|  |  | &nbsp;&nbsp; Feb | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.56 |
| you automatically buy<br> more units when the<br> per unit market price is low… |  | &nbsp;&nbsp; Mar | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.88 |
| you automatically buy<br> more units when the<br> per unit market price is low… | &nbsp;&nbsp; → | &nbsp;&nbsp; Apr | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.67 |
|  |  | &nbsp;&nbsp; May | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.25 |
|  |  | &nbsp;&nbsp; June | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.56 |
|  |  | &nbsp;&nbsp; July | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.88 |
| and fewer units<br> when the per unit<br> market price is high. |  | &nbsp;&nbsp; Aug | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.26 |
| and fewer units<br> when the per unit<br> market price is high. | &nbsp;&nbsp; → | &nbsp;&nbsp; Sept | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.76 |
|  |  | &nbsp;&nbsp; Oct | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 20 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.00 |

---

You have paid an average price of only $17.91 per unit over the ten months, while the average market price actually was $18.10.

Dollar-cost averaging does not guarantee that any Subaccount will gain in value, nor will it protect against a decline in value if market prices fall. Because this strategy involves continuous investing, your success with dollar-cost averaging will depend upon your willingness to continue to invest regularly through periods of low price levels.

**Special Dollar-Cost Averaging (SDCA)**: Under an SDCA arrangement, you may allocate SDCA allocations to the SDCA portion of the Fixed Account. SDCA allocations will be transferred out over a period of time, currently 12 months. SDCA transfers will automatically occur monthly on each Monthly Date anytime there is value in the SDCA portion of the Fixed Account. SDCA transfers will be allocated to Subaccounts, Indexed Accounts or the non-SDCA portion of the Fixed Account according to the premium allocation in effect at the time of each transfer.

You may cancel an SDCA arrangement at any time by transferring the remaining value allocated to the SDCA arrangement to any other account. Any Fixed Account transfer rules will apply to such transfers. We reserve the right to discontinue the ability to allocate additional amounts to the SDCA arrangement. If this occurs, SDCA transfers will continue as described for any previous SDCA allocations that are already part of an SDCA arrangement. We also reserve the right to make another account available as the account to which SDCA allocations are allocated to and/or offer additional transfer periods (e.g. 6-months or 9-months).

An SDCA arrangement does not guarantee that any Subaccount or other Policy Value will gain in value, nor will it protect against a decline in Policy Value if market prices fall. Because this strategy involves continuous investing, your success with SDCA will depend upon your willingness to continue to invest regularly through periods of low-price levels. For further information regarding SDCA, see "Special Dollar-Cost Averaging".

**Asset Rebalancing:** Subject to availability, you can set up an asset rebalancing arrangement to reallocate the variable Subaccount portion of your Policy Value according to the percentages (in whole percentage amounts) that you choose. The Policy Value must be at least $2,000 at the time the arrangement is set up. Asset rebalancing does not apply to the Fixed Account or Indexed Accounts. We automatically will rebalance the variable Subaccount portion of your Policy Value quarterly, semiannually or annually. The period you select will start to run on the date you specify. On the first Valuation Date of each of these periods, we automatically will rebalance your Policy Value so that the value in each Subaccount matches your current Subaccount percentage allocations. We rebalance by transferring Policy Value between Subaccounts. You can change your percentage allocations or your rebalancing period at any time. We will restart the rebalancing period you selected as of the date you specify. You may discontinue the asset rebalancing arrangement at any time. There is no charge for asset rebalancing.

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62 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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*Example:* 

John Doe purchases a base policy and requests quarterly automatic asset rebalancing. The following shows what transactions will take place on a quarterly asset rebalancing date to reallocate the $200,000 value in the Subaccounts according to the chosen Subaccount percentage allocations.

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Accounts** | **Asset** <br> **Rebalance** <br> **Subaccount** <br> **Percentage** <br> **Allocations**<br>| **Policy Value** <br> **before Asset** <br> **Rebalancing**<br>| **Asset** <br> **Rebalancing** <br> **Transactions** <br> **between**<br> **Subaccounts**<br>| **Policy Value** <br> **after Asset** <br> **Rebalancing**<br>|
| **Fixed Account** |  | $50000 |  | $50000 |
| **Indexed Account #1** |  | $50000 |  | $50000 |
| **Subaccount #1** | 50% | $120000 | -$20000 | $100000 |
| **Subaccount #2** | 25% | $45000 | +$5,000 | $50000 |
| **Subaccount #3** | 25% | $35000 | +15,000 | $50000 |
| **Total Policy Value** |  | $300000 |  | $30000 |

---

**Minimum Initial Premium Guarantee, No Lapse Guarantee**. For additional information about these standard benefits, please see the corresponding headings under "Keeping the Policy in Force."

**Policy Value Credit.** We may periodically apply a policy value credit to your Policy Value. The requirements that must be met to receive any policy value credit are shown under the policy data section of the policy. The amount of the policy value credit is determined by multiplying the policy value credit percentage times the Policy Value minus any Indebtedness at the time the calculation is made. We reserve the right to calculate and apply any policy value credit annually, quarterly or monthly.

Any policy value credit will be allocated according to your premium allocation percentages in effect. Any policy value credit is nonforfeitable, except indirectly due to any applicable Surrender Charge.

We reserve the right to change the policy value credit percentage based on our expectations of future investment earnings, persistency, expenses, and/or federal and state tax assumptions. However, it will never be less than zero.

*Example:* 

Jane Doe purchases a base policy with a $500,000 Specified Amount. The current policy value credit is an annual rate of 0.30% applied quarterly in policy years 11 and later. On the 14<sup>th</sup> Policy Anniversary the Policy Value is $60,000 and outstanding Indebtedness is $10,000. A Policy Value Credit of ($60,000 - $10,000) x 0.30% / 4 = $37.50 is applied to the policy and allocated to the Fixed Account, Indexed Account(s) and Subaccounts according to the premium allocations in effect.

**Exchange for a Fixed Benefit Policy**. For two years after the policy is issued, we may allow you to exchange your policy for a life insurance policy with benefits that do not vary with the investment experience of the Subaccounts ("Fixed Benefit Policy"). This is accomplished by a transfer of all of the value in the Subaccounts to the Fixed Account and/or Indexed Account(s) without charge. The rules for transferring from the Subaccounts to the Fixed Account following a Fixed Account to Subaccount transfer will be waived only once.

Depending on the timing and the individual circumstances surrounding the exchange, the Fixed Benefit Policy will be on the life of the same Insured and at the time of the exchange will have the same Policy Date and issue age and a death benefit at least as great as the initial death benefit of your policy (assuming no decrease in Specified Amount prior to the exchange). The exchange may be subject to an equitable cash adjustment, which will recognize the investment performance of the policy through the effective date of the exchange and may have tax consequences. An exchange will be effective when we receive a written request in Good Order.

*Example:* 

John Doe lives in California and is the Owner and Insured of a variable universal life insurance policy. Twelve months after the policy is issued, John decides he would rather own a policy that is not subject to the investment experience of the Funds in which the Variable Account divisions that support his policy invest, and would rather own a policy that earns a fixed rate of interest. Subject to the company's requirements, John has up to twelve more months to exchange his variable policy for a fixed policy without the company requiring evidence of insurability.

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 63

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Changes to the Policies

We reserve the right to do any of the following:

• make any changes necessary to maintain the status of the policy as life insurance under the Code;

• make other changes required under federal or state law relating to life insurance;

• suspend or discontinue sale of the policies; and

• comply with applicable law.

We will give you any required notice and receive any regulatory approval before we make any of these changes.

Policy Loans

You may borrow against your policy at any time by written or telephone request. (See "Two Ways to Request a Transfer, Loan or Surrender" for the address and telephone numbers for your requests.) Generally, we will process your loan within seven days after we receive your request in Good Order at our Service Center (for exceptions — see "Deferral of Payments," under "Payment of Policy Loans, Surrenders and Death Benefit Proceeds"). We will mail loan payments to you by regular mail. If you request express mail delivery or an electronic fund transfer to your bank, we will charge a fee. For instructions, please contact your sales representative.

Minimum Loan Amounts

$500 or the remaining loan value, whichever is less.

Maximum Loan Amounts

• 90% of the Policy Value minus Surrender Charges.

• For phone requests, if loan Proceeds are being sent to your address of record the maximum loan amount is $100,000.

The amount available at any time for a new loan is the maximum loan value less any existing Indebtedness. When we compute the amount available, we reserve the right to deduct from the loan value interest for the period until the next Policy Anniversary and monthly deductions that we will take until the next Policy Anniversary.

Allocation of Loans to Accounts

Unless you specify otherwise, we will make the loan from the Fixed Account and the Subaccounts on a Pro Rata Basis. In determining these proportions, we first subtract the amount of any outstanding Indebtedness, and any value that is part of an SDCA arrangement, from the Fixed Account Value. We redeem Accumulation Units to make loan amounts from the Subaccounts.

When the Fixed Account (minus any Indebtedness and any value that is part of an SDCA arrangement) and the Subaccounts are exhausted, the remaining loan amount will be taken from the value of the Fixed Account that is part of an SDCA arrangement. When the value of the Fixed Account that is part of an SDCA arrangement has been exhausted, the remaining loan amount will be taken from the Indexed Accounts. (See "Order of Deductions from Policy Value" for further discussion.) The amount of any loan or loan interest taken from the Subaccounts and Indexed Accounts will be transferred from the Subaccounts and Indexed Accounts to the Fixed Account.

Repayments

We will allocate loan repayments to Subaccounts, Indexed Accounts and/or the Fixed Account using the premium allocation percentages in effect unless you tell us otherwise. Repayments must be in amounts of at least $25.

Overdue Interest

If you do not pay accrued interest when it is due, we will increase the amount of Indebtedness in the Fixed Account to cover the amount due. Interest added to a policy loan will be charged the same interest rate as the loan itself. We will take that interest from the Fixed Account and the Subaccounts with value on a Pro Rata Basis. When the Fixed Account (minus any Indebtedness and any value that is part of an SDCA arrangement) and the Subaccounts are exhausted, the additional loan interest will be taken from the value of the Fixed Account that is part of an SDCA arrangement. When the value of the Fixed Account that is part of an SDCA arrangement has been exhausted, the remaining loan interest will be taken from the Indexed Accounts.

Effect of Policy Loans

A policy loan, whether or not repaid, affects cash value over time because the loan amount is subtracted from the Fixed Account, Subaccounts and/or Indexed Accounts as collateral. The loan collateral does not participate in the investment performance of the Subaccounts, nor does it receive indexed interest. The loan collateral earns interest at the minimum

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64 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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guaranteed rate of the Fixed Account (See "The Fixed Account"). Payment of this interest is subject to the creditworthiness and continued claims-paying ability of RiverSource Life Insurance Co. of New York. Loan interest is charged daily and payable at the end of the policy year at the guaranteed loan interest rates shown under Policy Data. Please note that the interest rate charged on a policy loan is effectively offset by the interest credited on the loan collateral as described above. Starting in year 11 of the policy, the interest rate charged on the loan will be equal to the interest rate credited on the loan collateral. We reserve the right to change the interest rate charged on the loan; however, it will never exceed the maximum stated in the Periodic Charges Other than Fund Operating Expenses section of this prospectus. A loan reduces the policy Surrender Value. If the loan causes the Cash Surrender Value to drop to zero, the policy will Lapse. The death benefit is reduced by loan Indebtedness. A loan may also cause the NLG or Minimum Initial Guarantee to terminate.

If you have the *AdvanceSource* Rider on your policy, upon Notice of Claim, additional policy loans are not permitted. This does not include policy loans taken to pay for interest due on an existing policy loan. If there is an outstanding policy loan at the time of an *AdvanceSource* Rider Monthly Benefit Payment, that benefit payment will be reduced to repay a portion of the policy loan.

Policy Surrenders

You may cancel the policy, otherwise known as a Full Surrender, while it is in force and receive its Cash Surrender Value or take a Partial Surrender out of your policy. The Cash Surrender Value is the Policy Value minus Indebtedness minus any applicable Surrender Charges. Surrender Charges affect the surrender value, which is a measure we use to determine whether your policy will enter a grace period (and possibly Lapse, which may have adverse tax consequences, see "Tax Risk"). If you surrender your policy, you receive its Cash Surrender Value and applicable Surrender Charges. (See "Loads, Fees and Charges.")

A Partial Surrender will reduce the Policy Value and the death benefit and may terminate the NLG. Additionally, for Option 1 policies, Partial Surrender will reduce the Specified Amount. Partial Surrenders are available within certain limits for a fee. After the first policy year, you may take a Partial Surrender of any amount from $500 up to 90% of the policy's Cash Surrender Value. Partial Surrenders by telephone are limited to $100,000, provided that surrender Proceeds are sent to your address of record. Unless you specify otherwise, we will make Partial Surrenders from the Fixed Account and Subaccounts on a Pro Rata Basis. When the Fixed Account, minus any Indebtedness and any value that is part of an SDCA arrangement, and the Subaccounts are exhausted, the Partial Surrender will be made from the Fixed Account that is part of an SDCA arrangement. When the value of the Fixed Account that is part of an SDCA arrangement has been exhausted, the Partial Surrender will be taken from the Indexed Accounts.

Surrender Charges apply to this policy for the first ten years and for ten years after an increase in the Specified Amount. Surrender Charges can significantly reduce Policy Values. Poor investment performance can also significantly reduce Policy Values. During early policy years the Cash Surrender Value may be less than the premiums you pay for the policy.

*Example:* 

*Jane Doe purchases a base policy with a $500,000 Specified Amount and makes premium payments of $9,000 in the first policy year and an additional $10,000 in the third policy year. At the beginning of the second policy year, the Policy Value is $8,800 and the Surrender Charge is $9,043.59. If she decides to do a Full Surrender, the Proceeds would be $0 which is the $8,800 Policy Value minus the $9,043.59 Surrender Charge. At the beginning of the eighth policy year, the Policy Value is $19,500 and the Surrender Charge is $4,660.84. If she decides to do a Full Surrender, the Proceeds would be $14,839.16 which is the $19,500 Policy Value minus the $4,660.84 Surrender Charge.*

If your policy Lapses or is fully surrendered with an outstanding policy loan, you may experience a significant tax cost.

• You will be taxed on any earnings in the policy. Generally, a policy has earnings to the extent the cash value plus any outstanding loans exceeds the investment in the contract.

• For non-MEC policies, it could be the case that a policy with a relatively small existing cash value could have significant as yet untaxed earnings that will be taxed upon Lapse or surrender of the policy.

• For MEC policies, earnings are the remaining earnings (any earnings that have not been previously taxed) in the policy, which could be a significant amount depending on the policy.

You may take a full or a Partial Surrender by written request. We may, but are not required to, accept a full or Partial Surrender request from you by phone. (See "Two Ways to Request a Transfer, Loan or Surrender" for address and telephone numbers for your requests.) We will process your surrender request on the Valuation Date we receive it. If we receive your surrender request at our Service Center in Good Order before the Close of Business, we will process your surrender using the Accumulation Unit value we calculate on the Valuation Date we received your surrender request. If we receive your surrender request at our Service Center in Good Order at or after the Close of Business, we will process your surrender using the Accumulation Unit value we calculate on the next Valuation Date after we received your surrender request. Generally, we will process your payment within seven days (for exceptions — see "Deferral of Payments" under "Payment of Policy Loans, Surrenders and Death Benefit Proceeds"). We will mail surrender payments

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 65

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to you by regular mail. If you request express mail delivery, we will charge a fee. You may also request that payment be wired to your bank. We will charge a fee if you request an electronic funds transfer to your bank. For instructions, please contact your sales representative.

**Effect of partial surrenders**

• A partial surrender will reduce the Policy Value by the amount of the partial surrender and the partial Surrender Charge. (See "Fee Tables" and "Loads, Fees and Charges.")

• A partial surrender will reduce the death benefit by the amount of the partial surrender and charge, or, if the death benefit is based on the applicable percentage of Policy Value, by an amount equal to the applicable percentage times the amount of the partial surrender. Because they may impact the death benefit, partial surrenders may affect the cost of insurance.

• A partial surrender may terminate the minimum initial premium guarantee and/or the NLG. We deduct the surrender amount from total premiums you paid, which may reduce the total below the level required to keep the minimum initial premium guarantee and/or the NLG in effect.

• A partial surrender may reduce the ***AdvanceSource - CI*** rider Specified Amount and the remaining amount to be accelerated.

• If Option 1 is in effect, a partial surrender will reduce the Specified Amount by the amount of the partial surrender and charge. This may cause the policy to become a Modified Endowment Contract. We will deduct this decrease from the current Specified Amount in this order:

First from the initial Specified Amount when the policy was issued;

Then from the increases successively following the initial Specified Amount.

• If Option 2 or Option 3 is in effect, a Partial Surrender does not affect the Specified Amount since the determination of the death benefit under these options is already impacted either directly (Option 3) or indirectly (Option 2) through the reduction in the Policy Value impacted by the Partial Surrender.

• We will not allow a partial surrender if it would reduce the Specified Amount below the required minimum. (See "Decreases" under "Proceeds Payable Upon Death.")

Two Ways to Request a Transfer, Loan or Surrender

You can request a transfer, loan or surrender by mail or by phone. You will be required to provide your name, policy number, Social Security Number or Taxpayer Identification Number when you request a transfer, loan or partial surrender. Failure to provide a Social Security Number or Taxpayer Identification Number may result in mandatory income tax withholding on the taxable portion of the distribution.

**1 By mail**

To request a transfer, loan or surrender by mail, please call us at the number below or contact your sales representative to obtain the required request form. Mail the completed request form to:

**RiverSource Life Insurance Co. of New York**

**70500 Ameriprise Financial Center**

**Minneapolis, MN 55474** 

**2 By phone**

**1-800-541-2251** 

• We answer telephone requests promptly, but you may experience delays when call volume is unusually high. If you are unable to get through, use the mail procedure as an alternative.

• We will honor any telephone transfer, loan or partial surrender requests believed to be authentic and will use reasonable procedures to confirm that they are. These include asking identifying questions and recording calls. As long as these procedures are followed, neither we nor our affiliates will be liable for any loss resulting from fraudulent requests.

• We make telephone transfers, loans and partial surrenders available automatically. If you do not want telephone transfers, loans and partial surrenders to be made from your account, please write and tell us.

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**DELIVERY OPTIONS FOR LOAN OR SURRENDER PROCEEDS** 

1**1 By wire or other form of electronic payment**

&nbsp;&nbsp;&nbsp;&nbsp;• request that payment be wired to your bank account;

&nbsp;&nbsp;&nbsp;&nbsp;• pre-authorization required.

**NOTE:** We will charge you a fee if you request electronic fund transfer. (See "Fees for Express Mail and Electronic Fund Transfers of Loan or Surrender Proceeds".)

2**2 By regular or express mail**

&nbsp;&nbsp;&nbsp;&nbsp;• payable to you;

&nbsp;&nbsp;&nbsp;&nbsp;• mailed to your address of record.

**NOTE:** We will charge you a fee if you request express mail delivery. (See "Fees for Express Mail and Electronic Fund Transfers of Loan or Surrender Proceeds".)

We may choose to permit you to have checks issued and delivered to an alternate payee or to an address other than your address of record. We may also choose to allow you to direct wires or other electronic payments to accounts owned by a third-party. We may have additional Good Order requirements that must be met prior to processing requests to make any payments to a party other than the policy Owner or to an address other than the address of record. These requirements will be designed to ensure policy Owner instructions are genuine and to prevent fraud.

Payment of Policy Loans, Surrenders and Death Benefit Proceeds

We will pay policy Proceeds when:

• you surrender the policy; or

• you take a policy loan; or

• the Insured dies.

We pay all death benefit Proceeds by check (unless the Beneficiary has chosen to have death benefit Proceeds directly deposited into another Ameriprise Financial, Inc. account). We will compute the amount of the death benefit and pay it in a lump sum unless you select one of the payment options below. We will pay interest at a rate not less than 1% per year on lump sum death benefit Proceeds from the date of the Insured's death to the settlement date (the date on which we pay Proceeds in a lump sum or we first place them under a payment option).

Payment Options

During the Insured's lifetime, you may request in writing that we pay policy Proceeds under one or more of the three payment options below. The Beneficiary may also select a payment option, unless you say that he or she cannot. You decide how much of the Proceeds will be placed under each option (minimum: $5,000). We will transfer any such amount to our general investment account. You may also make a written request to change a prior choice of payment option or, if we agree, to elect a payment option other than the three listed below. Unless we agree otherwise, payments under all options must be made to a natural person.

**Option A — Interest Payments:** We will pay interest on any Proceeds placed under this option at a rate 0.50% per year compounded annually, at regular intervals and for a period that is agreeable to both you and us. At the end of any payment interval, you may withdraw Proceeds in amounts of at least $100. At any time, you may withdraw all of the Proceeds that remain or you may place them under a different payment option approved by us.

**Option B — Payments for a specified period:** We will make fixed monthly payments for the number of years you specify. We will furnish monthly amounts for payment periods at your request, without charge.

**Option C — Lifetime income:** We will make monthly payments for the life of the person (payee) who is to receive the income. We will guarantee payment for 5, 10 or 15 years. We will furnish settlement rates for any year, age, or any combination of year, age and sex at your request, without charge.

Deferral of Payments

Normally, we will send a payment within seven days after receiving your request in Good Order. However, we reserve the right to postpone payments of Cash Surrender Value, policy loans or variable death benefit Proceeds in excess of the Specified Amount if:

• the NYSE is closed, except for normal holiday and weekend closings;

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

• trading on the NYSE is restricted according to SEC rules;

• an emergency, as defined by SEC rules, makes it impractical to sell securities or to value the net assets of the accounts; or

• the SEC permits us to delay payment for the protection of security holders.

We may also postpone payment of the amount attributable to a purchase payment as part of the total surrender amount until cleared from the originating financial institution.

We may delay payment of any loans or surrenders from the Fixed Account or the Index Accounts for up to six months from the date we receive the request in Good Order. If we postpone the payment of the surrender Proceeds by more than 30 days, we will pay you interest on the amount surrendered at an annual rate of 1% for the period of postponement.

Federal Taxes

The following is a general discussion of the policy's federal income tax implications. It is not intended as tax advice. Because the effect of taxes on the value and benefits of your policy depends on your individual situation, YOU SHOULD CONSULT A TAX ADVISOR TO FIND OUT HOW THESE GENERAL CONSIDERATIONS APPLY TO YOU. The discussion is based on our understanding of current federal income tax laws and of how the IRS currently interprets them. Both the laws and their interpretation may change.

You should make the decision as to who the Owner and the Beneficiary will be after consultation with your tax and legal advisors. These decisions may significantly affect the amount due for federal and state income tax, gift tax and estate or inheritance tax and also your ownership rights to the policy.

The policy is intended to qualify as a life insurance policy for federal income tax purposes. To that end, the provisions of the policy are to be interpreted to ensure or maintain this tax qualification. We reserve the right to change the policy in order to ensure that it will continue to qualify as life insurance for tax purposes. We will send you a copy of any changes. We also reserve the right to limit the number, amount, and/or frequency of scheduled and unscheduled premium payments necessary to continue coverage pursuant to Section 7702(f)(6) of the Code.

**Income tax reporting and withholding:** If any amounts are (or are deemed to be) taxable distributions to the policy Owner, such amounts will generally be subject to federal income tax and possibly a tax penalty, and may be subject to federal tax withholding pursuant to the Code. (See "Taxation of Policy Proceeds.") Such amounts will also be subject to tax reporting. Reporting may also be required in the event of certain ownership changes, a policy exchange or other distributions from the policy even if no amounts are currently subject to tax. State income tax reporting and withholding may also apply.

**Diversification and investor control:** A variable life insurance policy must meet a diversification test under Section 817(h) of the Code and is subject to an investor control rule. Failure to meet either of these tests means that a life insurance policy fails to qualify as a life insurance policy for federal income tax purposes. The diversification test requires the underlying Funds to be invested in a diversified portfolio of assets based on IRS rules. The investor control rule has been established in a number of published rulings issued by the IRS. According to the IRS, determining whether the policy Owner has sufficient incidents of ownership over assets invested in the Subaccounts to be considered the owner of those assets depends on all of the relevant facts and circumstances. The IRS has provided guidance on several factors that, if present, would suggest investor control exists, or, alternatively, would indicate that investor control does not exist. The IRS has to date not yet ruled on several other issues. We reserve the right to modify the policy, as necessary, so that the Owner will not be subject to current taxation as the owner of the Subaccounts' assets.

RiverSource Life of NY's Tax Status

We are taxed as a life insurance company under the Code. For federal income tax purposes, the Subaccounts are considered a part of our company, although their operations are treated separately in accounting and financial statements. Investment income is reinvested in the Fund in which the Subaccount invests and becomes part of the Subaccount's value. This investment income, including realized capital gains, is not subject to any withholding for federal or state income taxes. We reserve the right to make such a charge in the future if there is a change in the tax treatment of variable life insurance policies or in our tax status as we then understand it. The company includes in its taxable income the net investment income derived from the investment of assets held in its Subaccounts because the company is considered the owner of these assets under federal income tax law. The company may claim certain tax benefits associated with this investment income. These benefits, which may include foreign tax credits and the corporate dividend received deduction, are not passed on to you since the company is the owner of the assets under federal tax law and is taxed on the investment income generated by the assets.

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Taxation of Policy Proceeds

**Death benefit Proceeds:** The death benefit paid to the Beneficiary generally is not considered income to the Beneficiary and is not subject to federal income taxes. When the Proceeds are paid on or after the Insured's Attained Insurance Age 120 Policy Anniversary, if the amount received plus any Indebtedness exceeds your investment in the policy, the excess may be taxable as ordinary income.

**Death benefit Proceeds under Payment Option A:** The death benefit Proceeds generally are not subject to income tax, but payments of interest under this payment option are taxable and may be reported to the IRS and a state, if applicable.

**Death benefit Proceeds under Payment Options B and C:** A portion of each payment will be taxed as ordinary income and a portion will be considered a return of the Beneficiary's investment in the policy and will not be taxed. The Beneficiary's investment in the policy is generally the death benefit Proceeds applied to the payment options. Under Option C only, all payments made after the investment in the policy is fully recovered will be subject to tax. Any taxable earnings may be reported to the IRS and a state, if applicable.

---

| | |
|:---|:---|
| **Source of Proceeds** | **Taxable Portion of Pre-death Proceeds** |
| **Non-Modified Endowment Contracts:** | **Taxable portion of pre-death Proceeds:** |
| Full surrender: | You will be taxed on the amount received, plus any Indebtedness, minus <br> your investment in the policy.<sup>(1)</sup> You will be taxed on any earnings in the <br> policy at the time of full surrender — these earnings may be part of the <br> policy cash value or part of the loans previously taken. It could be the <br> case that a policy with a relatively small existing Cash Surrender Value <br> could have significant earnings that will be taxed upon surrender of the <br> policy.<br>|
| Lapse: | You will be taxed on any Indebtedness minus your investment in the <br> policy.<sup>(1)</sup> You will be taxed on any earnings in the policy at the time of <br> Lapse — these earnings may be part of the policy cash value or part of <br> the loans previously taken. It could be the case that a policy with a <br> relatively small existing Cash Surrender Value could have significant <br> earnings that will be taxed upon Lapse of the policy.<br>|
| Partial Surrenders: | Generally, if the amount received is greater than your investment in the <br> policy,<sup>(1)</sup> the amount in excess of your investment is taxable. However, <br> during the first 15 policy years, a different amount may be taxable if the <br> partial surrender results in or is necessitated by a reduction in benefits.<br>|
| Policy loans and assignments and pledges: | None.<sup>(2)</sup> <br>|
| **Modified Endowment Contracts:**<sup>(3)</sup> | **Taxable portion of pre-death Proceeds:** |
| Full surrender: | You will be taxed on the amount received, plus any Indebtedness, minus <br> your investment in the policy.<sup>(1)</sup> You will be taxed on any earnings in the <br> policy at the time of full surrender — these earnings may be part of the <br> policy cash value or part of the loans previously taken. Please note, for <br> modified endowment contracts, it is likely that any earnings taken in <br> previous policy loans were taxable and would be included in the <br> investment in the policy. <br>|

---

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---

| | |
|:---|:---|
| **Source of Proceeds** | **Taxable Portion of Pre-death Proceeds** |
| Lapse: | You will be taxed on any Indebtedness minus your investment in the <br> policy.<sup>(1)</sup> You will be taxed on any earnings in the policy at the time of <br> Lapse — these earnings may be part of the policy cash value or part of <br> loans previously taken.<br>|
| Partial Surrenders: | You will be taxed on the lesser of: |
|  | •the amount received; or |
|  | •Policy Value minus your investment in the policy.<sup>(1)</sup> <br>|
| Policy loans and assignments and pledges: | You will be taxed on the lesser of: |
|  | •the amount of the loan/assignment; or |
|  | •Policy Value minus your investment in the policy.<sup>(1)</sup> <br>|
| **Payment Options: Pre-death Proceeds** <br> **(applicable to non-modified endowment** <br> **contracts and modified endowment** <br> **contracts):**<br>| **Option A:** Treated as a full surrender; earnings are taxed and may be <br> subject to an additional 10% penalty tax for modified endowment <br> contracts. Interest is taxed (but not subject to an additional 10% IRS <br> penalty tax).<br>|
|  | **Options B and C:** A portion of each payment is taxed and a portion is <br> considered a return on investment in the policy<sup>(1)</sup> and not taxed. Any <br> Indebtedness at the time the option is elected is treated as a partial <br> surrender and earnings are taxed (and may be subject to an additional <br> 10% penalty tax for modified endowment contracts). Payments made after <br> the investment in the policy<sup>(1)</sup> is fully recovered are taxed (and may be <br> subject to an additional 10% penalty tax for modified endowment <br> contracts).<br>|

---

<sup>(1)</sup>

Investment in the policy is generally equal to premiums paid, minus the nontaxable portion of any previous partial surrenders, plus taxable portion of any previous policy loans. (for non-modified endowment contracts, it is unlikely that any previous policy loans were taxable).

<sup>(2)</sup>

However, should the policy later be surrendered or Lapse with outstanding Indebtedness, see discussion related to "full surrender" or "Lapse" under "Source of Proceeds" in the "Non-Modified Endowment Contracts" section shown above for the explanation of tax treatment.

<sup>(3)</sup>

Any taxable portion of pre-death Proceeds may be subject to a 10% IRS penalty tax (exceptions apply — see "Penalty tax" under "Modified Endowment Contracts.")

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Modified Endowment Contracts

Your policy is a modified endowment contract if the premiums you pay in the first seven years of the policy, or the first seven years following a material change, exceed certain limits.

If you exchanged a policy that is a modified endowment contract under section 1035 of the Code, your new policy also will be a modified endowment contract. If you exchanged a policy that is a non-modified endowment contract, your new policy may become a modified endowment contract.

We have procedures for monitoring whether your policy becomes a modified endowment contract. We calculate modified endowment contract limits when we issue the policy. We base these limits on the benefits we provide under the policy and on the Risk Classification, sex and Issue Age of the Insured. We recalculate these limits later if certain increases or reductions in benefits occur.

If you pay a premium that causes your policy to become a modified endowment contract under the Code, we will notify you in writing. If you do not want your policy to remain a modified endowment contract, you can choose one of the following options within the time period stated in the notice:

• ask us to refund the excess premium that caused the policy to become a modified endowment contract, plus interest; or

• ask us to apply the excess premium to your policy at a later date when it would not cause the policy to become a modified endowment contract.

You do not have to choose either of these options. If you do not choose one of these options, your policy will remain a modified endowment contract for the life of the policy. (See "Modified Endowment Contracts" in the table under "Taxation of Policy Proceeds.")

**Increases in benefits:** We recalculate limits when an increase is a "material change." Almost any increase you request, such as an increase in Specified Amount, the addition of a rider benefit or an increase in an existing rider benefit, is a material change. An automatic increase under the terms of your policy, such as an increase in death benefit due to operation of the applicable percentage table described in the "Proceeds Payable upon Death" section or an increase in Policy Value growth under Option 2, generally is not a material change. A policy becomes a modified endowment contract if premiums you pay in the first seven years following a material change exceed the recalculated limits.

**Reductions in benefits:** When you reduce benefits within seven years after we issue the policy or after the most recent material change, we recalculate the limits as if the reduced level of benefits had been in effect since the policy was issued or the most recent material change. In most cases, this recalculation will further restrict the amount of premiums that you can pay without exceeding modified endowment contract limits. If the premiums you have already paid during the applicable seven-year period (or at any time for multiple insured policies) exceed the recalculated limits, the policy will become a modified endowment contract with applicable tax implications even if you do not pay any further premiums. For policies with multiple insureds, the reduction in benefits rules apply for the life of the policy, based on the terms and the conditions of the policy and not just the seven-year period(s).

**Distributions affected:** Modified endowment contract rules apply to distributions in the year the policy becomes a modified endowment contract and in all subsequent years. In addition, the rules apply to distributions taken two years before the policy becomes a modified endowment contract because the Code presumes that you took a distribution in anticipation of that event.

**Serial purchase of modified endowment contracts:** The Code treats all modified endowment contracts issued by the same insurer (or possibly affiliated companies of the insurer) to the same Owner during any calendar year as one policy for purposes of determining the amount of any loan or distribution that is taxable.

**Penalty tax:** If a policy is a modified endowment contract, the taxable portion of pre-death Proceeds from a full surrender, Lapse, partial surrender, policy loan or assignment of Policy Value or certain payment options may be subject to a 10% penalty tax unless:

• the distribution occurs on or after the date that the Owner attains age 59½;

• the distribution is attributable to the Owner becoming disabled (within the meaning of Section 72(m)(7) of the Code); or

• the distribution is part of a series of substantially equal periodic payments made at least once a year over the life (or life expectancy) of the Owner or over the joint lives (or life expectancies) of the Owner and the Owner's Beneficiary.

(See "Taxation of Policy Proceeds", "Pre-death Proceeds" and accompanying table.)

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Other Tax Considerations

**Interest paid on policy loans:** Generally, no deduction is allowed for interest paid or accrued on any Indebtedness with respect to life insurance policies. However, a deduction is allowed under Section 264(e) of the Code for interest (subject to certain interest rate limitations) on policy loans of a business with respect to certain key person insurance. The aggregate amount of Indebtedness that can be borrowed on that key individual (who must be an officer or 20-percent owner of the business) may not exceed $50,000. The amount of key persons is limited to a maximum of 20 with respect to any controlled group of companies. A business that falls within the exception of Section 264(e) and is allowed a deduction for interest with respect to key-person insurance up to $50,000 nonetheless must also not fall within either of the prohibitions of Sections 264(a)(2) (with respect to certain single premium policies), and (a)(3) (Indebtedness incurred or continued to purchase or carry a life insurance contract pursuant to a plan of purchase which contemplates the systematic borrowing of part or all of the increases in the cash value).

**Policy changes:** Changing ownership, exchanging or assigning the policy may have income, gift and/or estate tax consequences, depending on the circumstances.

**1035 exchanges:** See "Exchange/Replacement Risk" under "Policy Risk" for potential risks associated with 1035 exchanges. Section 1035 of the Code permits nontaxable exchanges of certain insurance policies, endowment contracts, annuity contracts and qualified long-term care insurance contracts (that are held outside of qualified tax-deferred retirement plans) while providing for continued tax deferral of earnings. In addition, Section 1035 permits the carryover of the investment in the contract from the old policy or contract to the new policy or contract. In a 1035 exchange one policy or contract is exchanged for another policy or contract. The following can qualify as nontaxable exchanges: (1) the exchange of a life insurance policy for another life insurance policy or for an endowment, annuity or qualified long-term care insurance contract, (2) the exchange of an endowment contract for an annuity or qualified long-term care insurance contract, or for an endowment contract under which payments will begin no later than payments would have begun under the contract exchanged, (3) the exchange of an annuity contract for another annuity contract or for a qualified long-term care insurance contract, and (4) the exchange of a qualified long-term care insurance contract for a qualified long-term care insurance contract. Additionally, other tax rules apply. Depending on the issue date of your original policy or contract, there may be tax or other benefits that are given up to gain the benefits of the new policy or contract. Consider whether the features and benefits of the new policy or contract outweigh any tax or other benefits of the old policy or contract. If the life insurance policy has an outstanding loan, there may be tax consequences. Currently, partial exchanges of life insurance policies are not allowed by the company because there is no guidance from the IRS.

**Other taxes:** Federal estate tax, state and local estate or inheritance tax, federal or state gift tax and other tax consequences of ownership or receipt of policy Proceeds will also depend on the circumstances. All of these laws are subject to change.

**Qualified Tax-deferred retirement plans:** The company may offer the policy to be used in conjunction with certain retirement plans that are already tax-deferred under the Code. Since the rules governing such use are complex, a purchaser should consult a competent pension consultant, tax advisor and legal advisor prior to purchasing a policy in conjunction with a retirement plan, and consider, without limitation, (i) the deductibility to the employer and the inclusion in gross income to the participant of amounts used to purchase insurance in conjunction with a qualified retirement plan, (ii) the taxation of insurance Proceeds upon death for insurance in conjunction with a qualified retirement plan, (iii) any limitation on the amount of life insurance that is allowed to be purchased within a qualified plan in order for a plan to maintain its qualified status, and (iv) the tax treatment of the policy should the policy be distributed from a qualified plan to a participant in the qualified plan. The policy will not provide any necessary or additional tax deferral if it is used to fund a tax-deferred retirement plan.

On July 6, 1983, the Supreme Court held in *Norris v. Arizona Governing Committee* that optional annuity benefits provided under an employee's deferred compensation plan could not, under Title VII of the Civil Rights Act of 1964, vary between men and women on the basis of sex. Since the policy's cost of insurance rates and purchase rates for certain settlement options distinguish between men and women, employers and employee organizations should consult with their legal advisors before purchasing the policy for any employment-related insurance or benefit program.

**Employer-owned life insurance:** The Pension Protection Act (PPA) of 2006 amended Section 101 of the Code by adding a new Section 101(j) that addresses the tax treatment of "employer-owned life insurance" (EOLI). Unless one of four specified conditions is met and the notice and consent requirements are met, any death benefits in excess of the premiums paid are taxed. In general, an EOLI contract is any life insurance contract owned by a person engaged in a trade or business and under which such person or any related person is directly or indirectly a Beneficiary under the contract and that covers the life of an employee of the employer (or certain related persons). Additionally, an applicable policyholder owning 1 or more employer-owned life insurance contracts is required to file a Form 8925 with the IRS. The applicable policyholder is required to keep records necessary to determine whether the requirements of the reporting rule and the income inclusion rule are met.

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The four specified conditions are:

• The Insured was an employee at any time during the 12-month period before the Insured's death;

• The Insured is, at the time the contract is issued a director, a *highly compensated employee* as defined by reference to the qualified plan rules in Section 414(q) or one of the 35% most highly compensated individuals within the meaning of self-insured health plans;

• The death benefits are paid to a member of the family of the Insured, any individual who is the designated Beneficiary of the Insured under the contract (other than the employer), a trust established for the benefit of any such member of the family or designated Beneficiary, or the estate of the Insured; or

• The amount is used to purchase an equity (or capital or profits) interest in the employer from a family member of the Insured, an individual who is a designated Beneficiary, a trust established for the benefit of a family member or designated Beneficiary, or the estate of the Insured.

The notice and consent requirements are met if, before the issuance of the policy, the employee:

• Is notified in writing that the applicable policyholder intends to insure the employee's life and of the maximum face amount for which the employee could be Insured at the time the contract was issued;

• Provides written consent to being Insured under the contract and that such coverage may continue after the Insured terminates employment; and

• Is informed in writing that an applicable policyholder will be a Beneficiary of any Proceeds payable upon the death of the employee.

***AdvanceSource* Rider:** This rider is intended to be federally tax-qualified long-term care insurance under Section 7702B(b) of the Code, as adopted by the Health Insurance Portability and Accountability Act of 1996 — Public Law 104-191. Benefits received under the rider are intended to qualify for exclusion from federal income tax within the limits of the Code. Receipt of benefits in excess of those limits may be taxable. For this purpose, benefits under other contracts paying long-term care benefits are included in determining whether benefits exceed the limits imposed by the Code. Any charges for this rider that are deducted from the cash value of the life insurance contract will not be included in taxable income. The investment in the contract, however, is reduced (but not below zero) by the amount of the charge.

Split Dollar Arrangements

The following is a general discussion of the federal income tax implications of a split dollar arrangement entered into or materially modified after Sept. 17, 2003. You should consult your legal and tax advisors before developing or entering into a split dollar arrangement.

A typical split-dollar life insurance agreement is an arrangement under which two parties agree to share the costs and benefits of a permanent life insurance contract which provides both a death benefit and cash values. The arrangement divides or "splits" between two parties the death benefit and the cash value of the policy or other economic benefits under the contract. The objective of a split dollar arrangement is to join together the life insurance needs of one party with the premium paying ability of another. The typical split dollar arrangement is between an employer and an employee, but the arrangement may be used in other relationships, such as between a corporation-shareholder, a parent and a child, or a donor and a charity.

Traditionally, there have been two types of split dollar arrangements. In the "endorsement" system, the employer owns the policy and is responsible for the payment of the annual premiums. The employee is then required to reimburse the employer for his or her share, if any, of the premiums. The "collateral assignment system" is described as a system in which the employee in form owns the policy and pays the entire premium. The employer in form makes annual loans (sometimes without interest or below the fair rate of interest), to the employee of amounts equal to the yearly increases in the Cash Surrender Value, but not exceeding the annual premiums. The employee executes an assignment of the policy to the employer as collateral security for the loans. The loans are generally payable at the termination of employment or the death of the employee. In a reverse split dollar plan, the payor of the premiums retains the life insurance protection and another party owns the rights to the cash value of the policy.

The Treasury regulations define a split dollar life insurance arrangement as any arrangement between an Owner of a life insurance contract and a non-owner of the contract under which either party to the arrangement pays all or part of the premiums, and one of the parties paying the premiums is entitled to recover (either conditionally or unconditionally) all or any portion of those premiums and such recovery is to be made from, or is secured by, the Proceeds of the contract. The definition is not intended to include life insurance plans where only one party has all the rights to the policy such as group-term plans (Section 79 of the Code), executive bonus arrangements or key-person plans.

Under a special rule, any arrangement between an Owner and a non-owner of a life insurance contract is treated as a split-dollar life insurance arrangement (regardless of whether the criteria set forth above are satisfied) if the arrangement is entered into in connection with the performance of services and is not part of a group-term life insurance plan described in Section 79, the employer or service recipient pays, directly or indirectly, all or any portion of

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the premiums; and either (1) the Beneficiary of all or any portion of the death benefit is designated by the employee or service provider or is any person whom the employee or service provider would reasonably be expected to designate as the Beneficiary; or (2) the employee or service provider has any interest in the policy cash value of the life insurance contract. For example, in a compensatory context in which the employer owns the contract, the employee must include in gross income the value of any interest in the Cash Surrender Value of the contract provided to the employee during a taxable year.

Another special rule provides that an arrangement is a split-dollar arrangement (regardless of whether the criteria set forth above are satisfied) if the arrangement is entered into between a corporation and another person in that person's capacity as a shareholder in the corporation; the corporation pays, directly or indirectly, all or any portion of the premiums; and either (1) the Beneficiary of all or any portion of the death benefit is designated by the shareholder or is any person whom the shareholder would reasonably be expected to designate as the Beneficiary; or (2) the shareholder has any interest in the policy cash value of the life insurance contract.

**Mutually Exclusive Regimes** 

The regulations provide for two mutually exclusive regimes for taxing split-dollar life insurance arrangements. The regulations apply for purposes of income tax, gift tax, FICA, FUTA, RRTA, SECA, and wage withholding. The regulations require both the Owner and non-owner of a life insurance contract to fully account for all amounts under the arrangement under the rules that apply to the regime under which the arrangement is taxed.

• **Economic Benefit Split Dollar:** As a general rule for split-dollar life insurance arrangements that are taxed under the economic benefit regime, the Owner of the life insurance contract is treated as providing economic benefits to the non-owner of the contract. The economic benefit regime generally will govern the taxation of endorsement arrangements. Also, a special rule requires the economic benefit regime to apply (and the loan regime not to apply) to any split-dollar life insurance arrangement if: (i) the arrangement is entered into in connection with the performance of services, and the employee or service provider is not the Owner of the life insurance contract; or (ii) the arrangement is entered into between a donor and a donee (for example, a life insurance trust) and the donee is not the Owner of the life insurance contract.

The value of the economic benefits, reduced by any consideration paid by the non-owner to the Owner, is treated as transferred from the Owner to the non-owner. The possible economic benefits provided to the non-owner can include the value of current life insurance coverage, any portion of the Cash Surrender Value available to the non-owner, and any other economic benefit. The tax consequences of that transfer will depend on the relationship between the Owner and the non-owner. Thus, the transfer may constitute a payment of compensation, a dividend distribution, a gift, or a transfer having a different tax character. Further, depending on the relationship between or among a non-owner and one or more other persons (including a non-owner or non-owners), the economic benefits may be treated as provided from the Owner to the non-owner and as separately provided from the non-owner to such other person or persons (for example, as a payment of compensation from an employer to an employee and as a gift from the employee to the employee's child).

• **Loan (Collateral Assignment) Split Dollar:** Under loan regime, the non-owner of the life insurance contract is treated as loaning premium payments to the Owner of the contract. Except for specified arrangements, the loan regime applies to any split-dollar loan. A payment made pursuant to a split-dollar life insurance arrangement is a split-dollar loan and the Owner and non-owner are treated, respectively, as borrower and lender if (i) the payment is made either directly or indirectly by the non-owner to the Owner; (ii) the payment is a loan under general principles of Federal tax law or, if not a loan under general principles of Federal tax law, a reasonable person would expect the payment to be repaid in full to the non-owner (whether with or without interest); and (iii) the repayment is to be made from, or is secured by, either the policy's death benefit Proceeds or its Cash Surrender Value, or both. A borrower generally may not deduct any interest on a split-dollar. If the split-dollar loan provides for sufficient interest, then the loan generally is subject to the general rules for debt instruments.

If a split-dollar loan is a below-market loan, then, in general, the loan is recharacterized as a loan with interest at the applicable Federal rate (AFR), coupled with an imputed transfer by the lender to the borrower. The timing, amount, and characterization of the imputed transfers between the lender and borrower of the loan will depend upon the relationship between the lender and the borrower (for example, the imputed transfer is generally characterized as a compensation payment if the lender is the borrower's employer), and whether the loan is a demand loan or a term loan.

**EOLI Requirements May Apply** 

A contract that is subject to a split dollar arrangement is an employer-owned life insurance contract if the contract is owned by a person engaged in a trade or business and is otherwise described in Section 101(j) of the Code. However, the general rule of Section 101(j) does not apply to the extent any amount received by reason of the death of the Insured is paid to a family member of the Insured, an individual who is a designated Beneficiary, a trust established for the benefit of a family member or designated Beneficiary. Notice 2008-42 provides guidance regarding the application of Sections 101(j) to life insurance contracts that are subject to split-dollar life insurance arrangements.

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74 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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**Taxation — Determined by Policy Ownership** 

The regulations provide rules for determining the Owner and the non-owner of the life insurance contract. The general rule is that the Owner is the person named as the policy Owner. If two or more persons are designated as the policy Owner, the first-named person generally is treated as the Owner of the entire contract, however, if two or more persons are named as the policy Owner and each such person has at all times, all the incidents of ownership with respect to an undivided interest in the contract, those persons are treated as Owner of separate contracts. The general rule that the person named as the policy Owner is treated as the Owner of the life insurance contract is subject to two exceptions involving situations in which the only benefit available under the split-dollar life insurance arrangement is the value of current life insurance protection (that is, non-equity arrangements).

The regulations add attribution rules to determine the Owner of a policy. Under these rules, if a split-dollar life insurance arrangement is entered into in connection with the performance of services, the employer or service recipient is treated as the Owner of the life insurance contract if the Owner under the split-dollar life insurance arrangement is: (a) a trust described in Section 402(b); (b) A grantor trust that is treated as owned by either the employer or the service recipient; (c) a welfare benefit fund within the meaning of Section 419(e)(1); or (d) certain related parties.

If you are considering a split dollar arrangement, you should consult your legal and tax advisor.

**Section 409A** 

The Section 409A regulations explain that a split-dollar life insurance arrangement may provide for deferred compensation, as determined through application of the general rules defining deferred compensation and a nonqualified deferred compensation plan. Notice 2007-34 was issued concurrently with the regulations under Section 409A to provide guidance regarding the application of Section 409A to split-dollar life insurance arrangements. The Notice confirms that many split-dollar arrangements are not subject to Section 409A and provides that certain modifications of these arrangements necessary to comply with, or avoid application of, Section 409A will not be treated as material modifications under the split dollar rules. The Notice further clarifies that a split-dollar arrangement generally provides for deferred compensation if the service provider has a legally binding right during a taxable year to compensation that is payable to or on behalf of the provider in a later year. In addition, the regulations under Section 409A provide additional categories of plans for purposes of the aggregation rules, including a separate category for split-dollar arrangements.

Distribution of the Policy

RiverSource Distributors, Inc. (RiverSource Distributors), our affiliate, serves as the principal underwriter and general distributor of the policy. Its office is located at 70100 Ameriprise Financial Center, Minneapolis, MN 55474. RiverSource Distributors is a wholly-owned subsidiary of Ameriprise Financial, Inc.

**Sales of the Policy** 

• Only securities broker-dealers ("selling firms") registered with the SEC and members of the FINRA may sell the policy.

• The policies are continuously offered to the public through authorized selling firms. We and RiverSource Distributors have a sales agreement with the selling firm. The sales agreement authorizes the selling firm to offer the policies to the public. We agree to pay the selling firm (or an affiliated insurance agency) for policies its sales representatives sell. The selling firm may be required to return sales commissions under certain circumstances including but not limited to when policies are returned under the free look period.

Payments to the Selling Firms

In addition to commissions, we may, in order to promote sales of the policies, and as permitted by applicable laws and regulations, pay or provide selling firms with other promotional incentives in cash, credit or other compensation. We generally (but may not) offer these promotional incentives to all selling firms. The terms of such arrangements differ between selling firms. These promotional incentives may include but are not limited to:

—

sponsorship of marketing, educational, due diligence and compliance meetings and conferences we or the selling firm may conduct for sales representatives, including subsidy of travel, meal, lodging, entertainment and other expenses related to these meetings;

—

marketing support related to sales of the policy including for example, the creation of marketing materials, advertising and newsletters;

—

providing services to policy Owners; and

—

funding other events sponsored by a selling firm that may encourage the selling firm's sales representatives to sell the policy.

These promotional incentives or reimbursements may be calculated as a percentage of the selling firm's aggregate, net or anticipated sales and/or total assets attributable to sales of the policy, and/or may be a fixed dollar amount. As noted below, this additional compensation may cause the selling firm and its sales representatives to favor the policies.

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 75

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**Sources of Payments to Selling Firms** 

• We pay the commissions and other compensation described above from our assets.

• Our assets may include:

—

revenues we receive from fees and expenses that you will pay when buying, owning and surrendering the policy (see "Fee Tables");

—

compensation we or an affiliate receive from a Fund's investment adviser, subadviser, distributor or an affiliate of any of these (see "The Variable Account and the Funds — The Funds"); and

—

revenues we receive from other contracts and policies we sell that are not securities and other businesses we conduct.

• You do not directly pay the commissions and other compensation described above as the result of a specific charge or deduction under the policy. However, you may pay part or all of the commissions and other compensation described above indirectly through:

—

fees and expenses we collect from policy Owners, including Surrender Charges; and

—

fees and expenses charged by the underlying Funds in which the Subaccounts you select invest, to the extent we or one of our affiliates receive revenue from the Funds or an affiliated person.

**Potential Conflicts of Interest** 

Compensation payment arrangements with selling firms can potentially:

• give selling firms a heightened financial incentive to sell the policy offered in this prospectus over another investment with lower compensation to the selling firm.

• cause selling firms to encourage their sales representatives to sell you the policy offered in this prospectus instead of selling you other alternative investments that may result in lower compensation to the selling firm.

• cause a selling firm to grant us access to its sales representatives to promote sales of the policy offered in this prospectus, while denying that access to other firms offering similar policies or other alternative investments which may pay lower compensation to the selling firm.

**Payments to Sales Representatives** 

• The selling firm pays its sales representatives. The selling firm decides the compensation and benefits it will pay its sales representatives.

• To inform yourself of any potential conflicts of interest, ask your sales representative before you buy how the selling firm and its sales representatives are being compensated and the amount of the compensation that each will receive if you buy the policy.

Legal Proceedings

RiverSource Life of NY (the Company) is involved in the normal course of business in legal proceedings which include regulatory inquiries, arbitration and litigation, including class actions, concerning matters arising in connection with conduct of its activities. These include proceedings specific to the Company as well as proceedings generally applicable to business practices in the industries in which it operates. The Company can also be subject to legal proceedings arising out of its general business activities, such as its investments, contracts, and employment relationships. Uncertain economic conditions, heightened and sustained volatility in the financial markets and significant financial reform legislation may increase the likelihood that clients and other persons or regulators may present or threaten legal claims or that regulators increase the scope or frequency of examinations of the Company or the insurance industry generally.

As with other insurance companies, the level of regulatory activity and inquiry concerning the Company's businesses remains elevated. From time to time, the Company and its affiliates, including Ameriprise Financial Services, LLC ("AFS") and RiverSource Distributors, Inc. receive requests for information from, and/or are subject to examinations or claims by various state, federal and other domestic authorities. The Company and its affiliates typically have numerous pending matters, which includes information requests, exams or inquiries regarding their business activities and practices and other subjects, including from time to time: sales and distribution of various products, including the Company's life insurance and variable annuity products; supervision of associated persons, including AFS financial advisors and RiverSource Distributors, Inc.'s wholesalers; administration of insurance and annuity claims; security of client information; and transaction monitoring systems and controls. The Company and its affiliates have cooperated and will continue to cooperate with the applicable regulators.

These legal proceedings are subject to uncertainties and, as such, it is inherently difficult to determine whether any loss is probable or even reasonably possible, or to reasonably estimate the amount of any loss. The Company cannot predict with certainty if, how or when any such proceedings will be initiated or resolved. Matters frequently need to be more developed before a loss or range of loss can be reasonably estimated for any proceeding. An adverse outcome in

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76 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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one or more proceedings could eventually result in adverse judgments, settlements, fines, penalties or other sanctions, in addition to further claims, examinations or adverse publicity that could have a material adverse effect on the Company's financial condition, results of operations or liquidity.

Householding and Delivery of Certain Documents

With your prior consent, RiverSource Life of NY and its affiliates may use and combine information concerning accounts owned by members of the same household and provide a single paper or electronic copy of certain documents to that household. This householding of documents may include prospectuses, supplements, annual reports, semiannual reports and proxies. Your authorization remains in effect unless we are notified otherwise. If you wish to continue receiving multiple copies of these documents, you can opt out of householding by calling us at 1.866.273.7429. Multiple mailings will resume within 30 days after we receive your opt out request.

How We Handle Policies Under Unclaimed Property Laws

Every state has unclaimed property laws which generally declare insurance policies to be abandoned after a period of inactivity of one to five years from either 1) the policy's maturity date (actual or deemed by statute) or 2) the date the death benefit is due and payable. Your policy's deemed maturity date is the date the Insured's Attained Insurance Age equals 120. If we determine that the death benefit has become payable, we will use our best efforts to locate you or your designated Beneficiaries. If we are unable to locate a Beneficiary, the death benefit will be paid to the abandoned property division or unclaimed property office of the state in which the Beneficiary or you last resided, as shown in our books and records, or to our state of domicile. Generally, this surrender of property to the state is commonly referred to as "escheatment". To avoid escheatment, and ensure an effective process for your Beneficiaries, it is important that your personal address and Beneficiary designations are up to date, including complete names, date of birth, current addresses and phone numbers, and taxpayer identification numbers for each Beneficiary. Updates to your Beneficiary designations should be sent to our Service Center.

Escheatment may also be required by law if a known Beneficiary fails to demand or present an instrument or document to claim the death benefit in a timely manner, creating a presumption of abandonment. If your Beneficiary steps forward (with the proper documentation) to claim escheated death benefit Proceeds, the state is obligated to pay any such Proceeds it is holding.

Financial Statements

You can find our audited financial statements and the audited financial statements of the divisions, which are comprised of Subaccounts, in the SAI. The SAI does not include audited financial statements for divisions that are new (if any) and have no activity as of the financial statement date.

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 77

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Appendix A: Funds Available Under the Policy

The following is a list of funds available under the policy. More information about the funds is available in the prospectuses for the funds, which may be amended from time to time and can be found online at riversource.com/insurance. You can also request this information at no cost by calling 1-800-862-7919 or by sending an email request to riversourceannuityservice@ampf.com.

The current expenses and performance information below reflects fee and expenses of the funds, but do not reflect the other fees and expenses that your policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each fund's past performance is not necessarily an indication of future performance.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Fund and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) |
| **Investment Objective** | **Fund and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **1 Year** | **5 Year** | **10 Year** |
| Seeks long-term growth <br> of capital<br>| AB VPS Large Cap Growth Portfolio (Class A)<br> *AllianceBernstein L.P.*<br>| 0.65% | 13.13% | 12.04% | 16.17% |
| Seeks long-term capital <br> appreciation.<br>| Allspring VT Opportunity Fund (Class 1)<sup>1</sup> <br>*Allspring Funds Management, LLC, adviser;* <br> *Allspring Global Investments, LLC,* <br> *subadviser.*<br>| 0.75%<sup>2</sup> | 7.00% | 9.22% | 12.13% |
| Seeks long-term capital <br> appreciation.<br>| Allspring VT Small Cap Growth Fund <br> (Class 1)<br> *Allspring Funds Management, LLC, adviser;* <br> *Allspring Global Investments, LLC,* <br> *subadviser.*<br>| 0.91% | 9.55% | (0.70%) | 10.22% |
| The Portfolio seeks <br> investment results that <br> correspond (before fees <br> and expenses) generally <br> to the price and yield <br> performance of its <br> underlying index, the <br> Alerian Midstream <br> Energy Select Index (the <br> "Index").<br>| ALPS \| Alerian Energy Infrastructure Portfolio <br> (Class I)<br> *ALPS Advisors, Inc.*<br>| 0.95% | 5.09% | 22.54% | 11.11% |
| Seeks high total <br> investment return.<br>| BlackRock Global Allocation V.I. Fund <br> (Class I)<br> *BlackRock Advisors, LLC, adviser; BlackRock* <br> *(Singapore) Limited and BlackRock* <br> *International Limited, subadvisers.*<br>| 0.76%<sup>2</sup> | 19.80% | 5.79% | 7.59% |
| Seeks to achieve a <br> competitive total return <br> through an actively <br> managed portfolio of <br> stocks, bonds and <br> money market <br> instruments which offer <br> income and capital <br> growth opportunity.<br>| Calvert VP SRI Balanced Portfolio (Class I)<sup>3</sup> <br>*Calvert Research and Management*<br>| 0.65% | 11.48% | 8.68% | 9.81% |
| Seeks maximum total <br> investment return <br> through a combination <br> of capital growth and <br> current income.<br>| Columbia Variable Portfolio - Balanced Fund <br> (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.71%<sup>2</sup> | 14.05% | 8.72% | 9.74%  |

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78 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Fund and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) |
| **Investment Objective** | **Fund and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **1 Year** | **5 Year** | **10 Year** |
| Seeks to provide <br> shareholders with total <br> return.<br>| Columbia Variable Portfolio - Commodity <br> Strategy Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.73%<sup>2</sup> | 15.48% | 12.76% | 6.75% |
| Seeks total return, <br> consisting of long-term <br> capital appreciation and <br> current income.<br>| Columbia Variable Portfolio - Contrarian Core <br> Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.70%<sup>2</sup> | 17.65% | 14.18% | 14.32% |
| Seeks to provide <br> shareholders with <br> long-term capital growth.<br>| Columbia Variable Portfolio - Cornerstone <br> Growth Fund (Class 1) (previously Columbia <br> Variable Portfolio - Large Cap Growth Fund <br> (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.71% | 16.14% | 14.04% | 15.97% |
| Seeks to provide <br> shareholders with <br> capital appreciation.<br>| Columbia Variable Portfolio - Disciplined <br> Core Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.68% | 14.63% | 14.16% | 13.59% |
| Seeks to provide <br> shareholders with a high <br> level of current income <br> and, as a secondary <br> objective, steady growth <br> of capital.<br>| Columbia Variable Portfolio - Dividend <br> Opportunity Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.65%<sup>2</sup> | 15.83% | 11.88% | 10.43% |
| Non-diversified fund that <br> seeks to provide <br> shareholders with high <br> total return through <br> current income and, <br> secondarily, through <br> capital appreciation.<br>| Columbia Variable Portfolio - Emerging <br> Markets Bond Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.73% | 12.78% | 1.70% | 4.28% |
| Seeks to provide <br> shareholders with <br> long-term capital growth.<br>| Columbia Variable Portfolio - Emerging <br> Markets Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| 1.09%<sup>2</sup> | 31.17% | (1.13%) | 7.27% |
| Seeks to provide <br> shareholders with <br> maximum current <br> income consistent with <br> liquidity and stability of <br> principal.<br>| Columbia Variable Portfolio - Government <br> Money Market Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.34%<sup>2</sup> | 3.97% | 2.97% | 1.89% |
| Seeks to provide <br> shareholders with high <br> current income as its <br> primary objective and, <br> as its secondary <br> objective, capital <br> growth.<br>| Columbia Variable Portfolio - High Yield Bond <br> Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.64%<sup>2</sup> | 8.81% | 4.18% | 5.78% |
| Seeks to provide <br> shareholders with a high <br> total return through <br> current income and <br> capital appreciation.<br>| Columbia Variable Portfolio - Income <br> Opportunities Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.64%<sup>2</sup> | 8.78% | 3.86% | 5.42%  |

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 79

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Fund and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) |
| **Investment Objective** | **Fund and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **1 Year** | **5 Year** | **10 Year** |
| Seeks to provide <br> shareholders with a high <br> level of current income <br> while attempting to <br> conserve the value of <br> the investment for the <br> longest period of time.<br>| Columbia Variable Portfolio - Intermediate <br> Bond Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.53% | 9.06% | (0.43%) | 2.77% |
| Seeks to provide <br> shareholders with <br> long-term capital <br> appreciation.<br>| Columbia Variable Portfolio - Large Cap Index <br> Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.25%<sup>2</sup> | 17.58% | 14.13% | 14.49% |
| Seeks total return, <br> consisting of current <br> income and capital <br> appreciation.<br>| Columbia Variable Portfolio - Long <br> Government/Credit Bond Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.47%<sup>2</sup> | 6.24% | (5.24%) | 1.56% |
| Seeks to provide <br> shareholders with <br> capital appreciation.<br>| Columbia Variable Portfolio - Overseas Core <br> Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.80% | 38.26% | 9.19% | 7.82% |
| Seeks to provide <br> shareholders with high <br> total return through <br> income and growth of <br> capital.<br>| Columbia Variable Portfolio - Select <br> Corporate Income Fund (Class 1) (previously <br> Columbia Variable Portfolio - Corporate Bond <br> Fund (Class 1))<sup>3</sup> <br>*Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.47%<sup>2</sup> | 7.93% | 1.48% | 2.20% |
| Seeks to provide <br> shareholders with <br> long-term growth of <br> capital.<br>| Columbia Variable Portfolio - Select Large <br> Cap Value Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.69% | 28.27% | 13.59% | 12.58% |
| Seeks to provide <br> shareholders with <br> growth of capital.<br>| Columbia Variable Portfolio - Select Mid Cap <br> Growth Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.83%<sup>2</sup> | 15.14% | 7.53% | 12.17% |
| Seeks to provide <br> shareholders with <br> long-term growth of <br> capital.<br>| Columbia Variable Portfolio - Select Mid Cap <br> Value Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.83%<sup>2</sup> | 14.18% | 11.18% | 10.44% |
| Seeks to provide <br> shareholders with a <br> level of current income <br> consistent with <br> preservation of capital.<br>| Columbia Variable Portfolio - Select Short <br> Corporate Income Fund (Class 1) (previously <br> Columbia Variable Portfolio - Limited <br> Duration Credit Fund (Class 1))<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.41%<sup>2</sup> | 6.35% | 2.14% | 3.19% |
| Seeks to provide <br> shareholders with <br> long-term capital growth.<br>| Columbia Variable Portfolio - Select Small <br> Cap Value Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.85%<sup>2</sup> | 6.59% | 8.94% | 8.23% |
| Seeks to provide <br> shareholders with <br> long-term capital <br> appreciation.<br>| Columbia Variable Portfolio - Seligman <br> Global Technology Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.93%<sup>2</sup> | 34.70% | 18.71% | 23.01%  |

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80 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Fund and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) |
| **Investment Objective** | **Fund and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **1 Year** | **5 Year** | **10 Year** |
| Seeks total return, <br> consisting of current <br> income and capital <br> appreciation.<br>| Columbia Variable Portfolio - Strategic <br> Income Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.70%<sup>2</sup> | 7.32% | 2.20% | 4.28% |
| Seeks to provide <br> shareholders with <br> current income as its <br> primary objective and, <br> as its secondary <br> objective, preservation <br> of capital.<br>| Columbia Variable Portfolio - <br> U.S. Government Mortgage Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.45% | 9.19% | (0.06%) | 1.92% |
| Non-diversified fund that <br> seeks to provide <br> shareholders with total <br> return that exceeds the <br> rate of inflation over the <br> long term.<br>| CTIVP<sup>®</sup> - BlackRock Global Inflation-Linked <br> Securities Fund (Class 1) (previously CTIVP<sup>®</sup> <br>- BlackRock Global Inflation-Protected <br> Securities Fund (Class 1))<br> *Columbia Management Investment Advisers,* <br> *LLC, adviser; BlackRock Financial* <br> *Management, Inc., subadviser; BlackRock* <br> *International Limited, sub-subadviser.*<br>| 0.62%<sup>2</sup> | 4.23% | (1.50%) | 1.98% |
| Seeks to provide <br> shareholders with <br> current income and <br> capital appreciation.<br>| CTIVP<sup>®</sup> - CenterSquare Real Estate Fund <br> (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC, adviser; CenterSquare Investment* <br> *Management LLC, subadviser.*<br>| 0.84% | 2.19% | 6.60% | 5.70% |
| Seeks to provide <br> shareholders with a high <br> level of current income.<br>| CTIVP<sup>®</sup> - Fidelity Institutional AM<sup>®</sup> Total Bond <br> Fund (Class 1) (previously CTIVP<sup>®</sup> - American <br> Century Diversified Bond Fund (Class 1))<br> *Columbia Management Investment Advisers,* <br> *LLC, adviser; FIAM LLC, subadviser; FMR* <br> *Investment Management (UK) Limited,* <br> *sub-subadviser.*<br>| 0.49% | 7.48% | (0.35%) | 2.33% |
| Seeks to provide <br> shareholders with <br> long-term capital growth.<br>| CTIVP<sup>®</sup> - Principal Large Cap Growth Fund <br> (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC, adviser; Principal Global Investors, LLC,* <br> *subadviser.*<br>| 0.70% | 13.78% | 10.47% | 14.66% |
| Seeks to provide <br> shareholders with <br> long-term growth of <br> capital and income.<br>| CTIVP<sup>®</sup> - T. Rowe Price Large Cap Value Fund <br> (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC, adviser; T. Rowe Price Associates, Inc.,* <br> *subadviser.*<br>| 0.69% | 12.40% | 10.43% | 9.91% |
| Seeks to provide <br> shareholders with total <br> return through current <br> income and capital <br> appreciation.<br>| CTIVP<sup>®</sup> - TCW Total Return Bond Fund <br> (Class 1) (previously CTIVP<sup>®</sup> - TCW Core Plus <br> Bond Fund (Class 1))<br> *Columbia Management Investment Advisers,* <br> *LLC, adviser; TCW Investment Management* <br> *Company LLC, subadviser.*<br>| 0.50% | 7.54% | (0.53%) | 2.04% |
| Seeks to provide <br> shareholders with <br> long-term growth of <br> capital.<br>| CTIVP<sup>®</sup> - Victory Sycamore Established Value <br> Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC, adviser; Victory Capital Management* <br> *Inc., subadviser.*<br>| 0.82% | 2.29% | 9.65% | 10.70%  |

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 81

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Fund and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) |
| **Investment Objective** | **Fund and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **1 Year** | **5 Year** | **10 Year** |
| Seeks to provide <br> shareholders with <br> long-term capital growth.<br>| CTIVP<sup>®</sup> - Wellington Large Cap Value Fund <br> (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC, adviser; Wellington Management* <br> *Company LLP, subadviser.*<br>| 0.61%<sup>2</sup> | 19.92% | 11.26% | 10.71% |
| Seeks to provide <br> shareholders with <br> long-term capital growth.<br>| CTIVP<sup>®</sup> - Westfield Mid Cap Growth Fund <br> (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC, adviser; Westfield Capital Management* <br> *Company, L.P., subadviser.*<br>| 0.83%<sup>2</sup> | 10.40% | 7.16% | 12.18% |
| Seeks to provide <br> shareholders with <br> long-term capital growth.<br>| CTIVP<sup>®</sup> - Westfield Select Large Cap Growth <br> Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC, adviser; Westfield Capital Management* <br> *Company, L.P., subadviser.*<br>| 0.69% | 17.27% | 2.05% | 13.31% |
| Seeks investment <br> results that correspond <br> to the total return <br> performance of common <br> stocks as represented <br> by the MSCI EAFE Index.<br>| CVT EAFE International Index Portfolio <br> (Class I)<br> *Calvert Research and Management*<br>| 0.48%<sup>2</sup> | 30.90% | 8.53% | 7.86% |
| Seeks investment <br> results that correspond <br> to the investment <br> performance of U.S. <br> common stocks, as <br> represented by the <br> NASDAQ 100 Index.<br>| CVT Nasdaq 100 Index Portfolio (Class I)<br> *Calvert Research and Management, adviser;* <br> *Ameritas Investment Partners, Inc,* <br> *subadviser.*<br>| 0.49%<sup>2</sup> | 20.39% | 14.73% | 19.09% |
| Seeks investment <br> results that correspond <br> to the investment <br> performance of U.S. <br> common stocks, as <br> represented by the <br> Russell 2000<sup>®</sup> Index.<br>| CVT Russell 2000<sup>®</sup> Small Cap Index <br> Portfolio (Class I)<br> *Calvert Research and Management, adviser;* <br> *Ameritas Investment Partners, Inc,* <br> *subadviser.*<br>| 0.40%<sup>2</sup> | 12.45% | 5.83% | 9.32% |
| Seeks capital <br> appreciation.<br>| DWS Alternative Asset Allocation VIP <br> (Class A)<sup>4</sup> <br>*DWS Investment Management Americas* <br> *Inc., adviser; RREEF America L.L.C.,* <br> *subadviser.*<br>| 0.93% | 10.50% | 5.29% | 4.89% |
| Seeks high level of <br> current income.<br>| Eaton Vance VT Floating-Rate Income Fund <br> (Institutional Class)<sup>3</sup> <br>*Eaton Vance Management*<br>| 0.69% | 4.51% | 5.20% | 4.98% |
| Seeks long-term capital <br> appreciation.<br>| Fidelity<sup>®</sup> VIP Contrafund<sup>®</sup> Portfolio (Initial <br> Class)<br> *Fidelity Management & Research Company,* <br> *adviser; Fidelity Management & Research* <br> *Company (UK) Limited, Fidelity* <br> *Management & Research Company (Hong* <br> *Kong) Limited, Fidelity Management &* <br> *Research Company (Japan) Limited,* <br> *subadvisers.*<br>| 0.54% | 21.52% | 15.37% | 15.78%  |

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82 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Fund and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) |
| **Investment Objective** | **Fund and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **1 Year** | **5 Year** | **10 Year** |
| Seeks capital <br> appreciation.<br>| Fidelity<sup>®</sup> VIP Emerging Markets Portfolio <br> (Initial Class)<sup>3</sup> <br>*Fidelity Management & Research Company,* <br> *adviser; Fidelity Management & Research* <br> *Company (UK) Limited, Fidelity* <br> *Management & Research Company (Hong* <br> *Kong) Limited, Fidelity Management &* <br> *Research Company (Japan) Limited, FIL* <br> *Investment Advisers, FIL Investment* <br> *Advisers (UK) Limited and FIL Investments* <br> *(Japan) Limited, subadvisers.*<br>| 0.87% | 41.20% | 5.88% | 10.93% |
| Seeks capital <br> appreciation.<br>| Fidelity<sup>®</sup> VIP Energy Portfolio (Initial Class)<sup>3</sup> <br>*Fidelity Management & Research Company,* <br> *adviser; Fidelity Management & Research* <br> *Company (UK) Limited, Fidelity* <br> *Management & Research Company (Hong* <br> *Kong) Limited, Fidelity Management &* <br> *Research Company (Japan) Limited,* <br> *subadvisers.*<br>| 0.60% | 10.59% | 24.18% | 7.96% |
| Seeks to provide capital <br> growth.<br>| Fidelity<sup>®</sup> VIP Growth Opportunities Portfolio <br> (Initial Class)<sup>3</sup> <br>*Fidelity Management & Research Company,* <br> *adviser; Fidelity Management & Research* <br> *Company (UK) Limited, Fidelity* <br> *Management & Research Company (Hong* <br> *Kong) Limited, Fidelity Management &* <br> *Research Company (Japan) Limited,* <br> *subadvisers.*<br>| 0.56% | 22.02% | 11.31% | 19.94% |
| Seeks as high level of <br> current income as is <br> consistent with the <br> preservation of capital.<br>| Fidelity<sup>®</sup> VIP Investment Grade Bond <br> Portfolio (Initial Class)<sup>3</sup> <br>*Fidelity Management & Research Company,* <br> *adviser; Fidelity Management & Research* <br> *Company (UK) Limited, Fidelity* <br> *Management & Research Company (Hong* <br> *Kong) Limited, Fidelity Management &* <br> *Research Company (Japan) Limited,* <br> *subadvisers.*<br>| 0.37% | 7.22% | 0.06% | 2.71% |
| Seeks long-term growth <br> of capital.<br>| Fidelity<sup>®</sup> VIP Mid Cap Portfolio (Initial Class)<br> *Fidelity Management & Research Company,* <br> *adviser; Fidelity Management & Research* <br> *Company (UK) Limited, Fidelity* <br> *Management & Research Company (Hong* <br> *Kong) Limited, Fidelity Management &* <br> *Research Company (Japan) Limited,* <br> *subadvisers.*<br>| 0.55% | 11.75% | 10.10% | 10.59%  |

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 83

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Fund and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) |
| **Investment Objective** | **Fund and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **1 Year** | **5 Year** | **10 Year** |
| Seeks a high level of <br> current income and may <br> also seek capital <br> appreciation.<br>| Fidelity<sup>®</sup> VIP Strategic Income Portfolio <br> (Initial Class)<br> *Fidelity Management & Research Company,* <br> *adviser; Fidelity Management & Research* <br> *Company (UK) Limited, Fidelity* <br> *Management & Research Company (Hong* <br> *Kong) Limited, Fidelity Management &* <br> *Research Company (Japan) Limited, FIL* <br> *Investment Advisers, FIL Investment* <br> *Advisers (UK) Limited and FIL Investments* <br> *(Japan) Limited, subadvisers.*<br>| 0.63% | 8.85% | 3.07% | 4.66% |
| Seeks to maximize <br> income while <br> maintaining prospects <br> for capital appreciation. <br> Under normal market <br> conditions, the fund <br> invests in a diversified <br> portfolio of equity and <br> debt securities.<br>| Franklin Income VIP Fund (Class 1)<br> *Franklin Advisers, Inc.*<br>| 0.47% | 12.87% | 7.92% | 7.57% |
| Seeks capital <br> appreciation, with <br> income as a secondary <br> goal. Under normal <br> market conditions, the <br> fund invests primarily in <br> U.S. and foreign equity <br> securities that the <br> investment manager <br> believes are <br> undervalued.<br>| Franklin Mutual Shares VIP Fund (Class 1)<sup>1</sup> <br>*Franklin Mutual Advisers, LLC*<br>| 0.69% | 11.81% | 9.49% | 7.80% |
| Seeks long-term total <br> return. Under normal <br> market conditions, the <br> fund invests at least <br> 80% of its net assets in <br> investments of small <br> capitalization <br> companies.<br>| Franklin Small Cap Value VIP Fund (Class 1)<br> *Franklin Mutual Advisers, LLC*<br>| 0.66%<sup>2</sup> | 7.90% | 9.13% | 10.09% |
| Seeks total return with a <br> low to moderate <br> correlation to traditional <br> financial market indices.<br>| Invesco V.I. Balanced-Risk Allocation Fund <br> (Series I Shares)<sup>4</sup> <br>*Invesco Advisers, Inc.*<br>| 0.88%<sup>2</sup> | 9.14% | 2.53% | 5.17% |
| Seeks capital <br> appreciation.<br>| Invesco V.I. Global Fund (Series I Shares)<sup>1</sup> <br>*Invesco Advisers, Inc.*<br>| 0.81% | 15.32% | 7.28% | 11.00% |
| Seeks total return. | Invesco V.I. Global Strategic Income Fund <br> (Series I Shares)<sup>1</sup> <br>*Invesco Advisers, Inc.*<br>| 0.95%<sup>2</sup> | 12.98% | 1.65% | 3.01% |
| Seeks capital <br> appreciation.<br>| Invesco V.I. Main Street Small Cap Fund<sup>®</sup> <br>(Series I Shares)<br> *Invesco Advisers, Inc.*<br>| 0.84% | 8.70% | 8.34% | 10.59% |
| Seeks long-term growth <br> of capital.<br>| Invesco V.I. Technology Fund (Series I <br> Shares)<br> *Invesco Advisers, Inc.*<br>| 0.96% | 20.47% | 10.30% | 15.78%  |

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84 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Fund and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) |
| **Investment Objective** | **Fund and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **1 Year** | **5 Year** | **10 Year** |
| Seeks long-term capital <br> growth, consistent with <br> preservation of capital <br> and balanced by current <br> income.<br>| Janus Henderson Balanced Portfolio <br> (Institutional Shares)<br> *Janus Henderson Investors US LLC*<br>| 0.62% | 15.11% | 8.48% | 10.14% |
| Seeks to obtain <br> maximum total return, <br> consistent with <br> preservation of capital.<br>| Janus Henderson Flexible Bond Portfolio <br> (Institutional Shares)<br> *Janus Henderson Investors US LLC*<br>| 0.57%<sup>2</sup> | 7.40% | (0.23%) | 2.32% |
| Seeks long-term growth <br> of capital.<br>| Janus Henderson Research Portfolio <br> (Institutional Shares)<sup>1</sup> <br>*Janus Henderson Investors US LLC*<br>| 0.82% | 18.39% | 14.11% | 15.88% |
| Seeks total return. | Lazard Retirement Global Dynamic <br> Multi-Asset Portfolio (Investor Shares)<sup>,1</sup> <br>*Lazard Asset Management, LLC*<br>| 0.90%<sup>2</sup> | 15.98% | 5.36% | - |
| Seeks to deliver high <br> current income and <br> long-term growth of <br> capital by investing <br> primarily in a variety of <br> fixed income securities <br> and select equity-related <br> securities.<br>| Lord Abbett Series Fund Bond Debenture <br> Portfolio (Class VC)<sup>3</sup> <br>*Lord, Abbett & Co LLC*<br>| 0.98% | 8.33% | 2.10% | 4.72% |
| Seeks long-term capital <br> growth. Income is a <br> secondary objective.<br>| LVIP American Century Mid Cap Value Fund <br> (Standard Class II)<sup>3</sup> <br>*Lincoln Financial Investments Corporation,* <br> *adviser; American Century Investment* <br> *Management, Inc., subadviser.*<br>| 0.86%<sup>2</sup> | 8.99% | 8.89% | 9.12% |
| Seeks long-term capital <br> growth. Income is a <br> secondary objective.<br>| LVIP American Century Value Fund (Standard <br> Class II)<br> *Lincoln Financial Investments Corporation,* <br> *adviser; American Century Investment* <br> *Management, Inc., subadviser.*<br>| 0.71%<sup>2</sup> | 16.02% | 11.65% | 10.23% |
| Seeks total return. | MFS<sup>®</sup> Global Real Estate Portfolio (Initial <br> Class)<sup>3</sup> <br>*Massachusetts Financial Services Company*<br>| 0.90%<sup>2</sup> | 3.53% | 1.32% | 5.01% |
| Seeks capital <br> appreciation.<br>| MFS<sup>®</sup> International Growth Portfolio (Initial <br> Class)<sup>3</sup> <br>*Massachusetts Financial Services Company*<br>| 0.88%<sup>2</sup> | 21.12% | 7.07% | 9.88% |
| Seeks total return. | MFS<sup>®</sup> Utilities Series (Initial Class)<br> *Massachusetts Financial Services Company*<br>| 0.78%<sup>2</sup> | 15.01% | 7.64% | 9.49% |
| The Fund seeks <br> long-term capital growth <br> by investing primarily in <br> common stocks and <br> other equity securities.<br>| Morgan Stanley VIF Discovery Portfolio <br> (Class I Shares)<sup>1</sup> <br>*Morgan Stanley Investment Management* <br> *Inc.*<br>| 0.95%<sup>2</sup> | 12.58% | (5.36%) | 14.16%  |

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 85

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Fund and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) |
| **Investment Objective** | **Fund and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **1 Year** | **5 Year** | **10 Year** |
| Seeks long-term growth <br> of capital by investing <br> primarily in securities of <br> companies that meet <br> the Fund's <br> environmental, social <br> and governance (ESG) <br> criteria.<br>| Neuberger Berman AMT Quality Equity <br> Portfolio (Class I) (previously Neuberger <br> Berman AMT Sustainable Equity Portfolio <br> (Class I))<sup>1</sup> <br>*Neuberger Berman Investment Advisers LLC*<br>| 0.87% | 13.71% | 12.83% | 12.94% |
| Seeks to provide total <br> return.<br>| Nomura VIP Asset Strategy Series (Standard <br> Class) (previously Macquarie VIP Asset <br> Strategy Series (Standard Class))<sup>3</sup> <br>*Delaware Management Company, adviser;* <br> *Macquarie Investment Management Global* <br> *Limited, subadviser.*<br>| 0.52%<sup>2</sup> | 16.87% | 7.33% | - |
| Seeks long-term capital <br> growth.<br>| Nomura VIP International Core Equity Series <br> (Standard Class) (previously Macquarie VIP <br> International Core Equity (Standard Class))<sup>3</sup> <br>*Delaware Management Company*<br>| 0.86%<sup>2</sup> <br>| 24.55% | 7.94% | 6.67% |
| Seeks maximum real <br> return, consistent with <br> preservation of real <br> capital and prudent <br> investment <br> management.<br>| PIMCO VIT All Asset Portfolio (Institutional <br> Class)<sup>1,4</sup> <br>*Pacific Investment Management Company* <br> *LLC*<br>| 1.98%<sup>2</sup> | 14.34% | 5.77% | 6.93% |
| Seeks maximum total <br> return, consistent with <br> preservation of capital <br> and prudent investment <br> management.<br>| PIMCO VIT Total Return Portfolio <br> (Institutional Class)<br> *Pacific Investment Management Company* <br> *LLC (PIMCO)*<br>| 0.58% | 9.05% | 0.16% | 2.51% |
| Seeks to provide <br> shareholders with <br> long-term capital <br> appreciation.<br>| Putnam VT Global Health Care Fund <br> (Class IA Shares)<br> *Putnam Investment Management, LLC,* <br> *adviser; Franklin Advisers, Inc., Franklin* <br> *Templeton Investment Management Limited* <br> *and The Putnam Advisory Company, LLC,* <br> *subadvisers.*<br>| 0.75% | 15.34% | 7.99% | 8.63% |
| Seeks capital growth. <br> Current income is a <br> secondary objective.<br>| Putnam VT International Value Fund (Class IA <br> Shares)<sup>3</sup> <br>*Putnam Investment Management, LLC,* <br> *adviser; Franklin Advisers, Inc., Franklin* <br> *Templeton Investment Management Limited* <br> *and The Putnam Advisory Company, LLC,* <br> *subadvisers.*<br>| 0.81% | 35.07% | 12.77% | 9.13% |
| Seeks capital growth <br> and current income.<br>| Putnam VT Large Cap Value Fund (Class IA <br> Shares)<sup>3</sup> <br>*Putnam Investment Management, LLC,* <br> *adviser; Franklin Advisers, Inc. and Franklin* <br> *Templeton Investment Management Limited,* <br> *subadvisers.*<br>| 0.54% | 20.66% | 15.68% | 13.58%  |

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86 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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| | | | | |
|:---|:---|:---|:---|:---|
| **Investment Objective** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) |
| **Investment Objective** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **1 Year** | **5 Year** | **10 Year** |
| Seeks high current <br> income, consistent with <br> preservation of capital, <br> with capital appreciation <br> as a secondary <br> consideration. Under <br> normal market <br> conditions, the fund <br> invests at least 80% of <br> its net assets in debt <br> securities of any <br> maturity.<br>Templeton Global Bond VIP Fund (Class 1)<sup>1</sup> <br>*Franklin Advisers, Inc.*<br>| 0.50%<sup>2</sup> | 16.09% | (0.69%) | 0.11% |
| Seeks to provide a high <br> level of total return that <br> is consistent with an <br> aggressive level of risk.<br>Variable Portfolio - Aggressive Portfolio <br> (Class 1)<sup>4</sup> <br>*Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.79% | 17.94% | 8.40% | 9.24% |
| Seeks to provide a high <br> level of total return that <br> is consistent with a <br> conservative level of <br> risk.<br>Variable Portfolio - Conservative Portfolio <br> (Class 1)<sup>4</sup> <br>*Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.64%<sup>2</sup> | 10.55% | 1.89% | 3.72% |
| Pursues total return <br> while seeking to <br> manage the Fund's <br> exposure to equity <br> market volatility.<br>Variable Portfolio - Managed Volatility <br> Conservative Fund (Class 1)<sup>1,4,5</sup> <br>*Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.70% | 9.41% | 1.41% | 3.51% |
| Pursues total return <br> while seeking to <br> manage the Fund's <br> exposure to equity <br> market volatility.<br>Variable Portfolio - Managed Volatility <br> Conservative Growth Fund (Class 1)<sup>1,4,5</sup> <br>*Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.72% | 11.25% | 2.92% | 4.71% |
| Pursues total return <br> while seeking to <br> manage the Fund's <br> exposure to equity <br> market volatility.<br>Variable Portfolio - Managed Volatility Growth <br> Fund (Class 1)<sup>4,5</sup> <br>*Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.76% | 14.97% | 6.09% | 7.13% |
| Pursues total return <br> while seeking to <br> manage the Fund's <br> exposure to equity <br> market volatility.<br>Variable Portfolio - Managed Volatility <br> Moderate Growth Fund (Class 1)<sup>4,5</sup> <br>*Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.73% | 13.13% | 4.55% | 6.00% |
| Seeks to provide a high <br> level of total return that <br> is consistent with a <br> moderate level of risk.<br>Variable Portfolio - Moderate Portfolio <br> (Class 1)<sup>4</sup> <br>*Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.71% | 14.14% | 5.17% | 6.60% |
| Seeks to provide a high <br> level of total return that <br> is consistent with a <br> moderately aggressive <br> level of risk.<br>Variable Portfolio - Moderately Aggressive <br> Portfolio (Class 1)<sup>4</sup> <br>*Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.75% | 15.97% | 6.71% | 7.89%  |

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 87

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Fund and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) |
| **Investment Objective** | **Fund and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **1 Year** | **5 Year** | **10 Year** |
| Seeks to provide a high <br> level of total return that <br> is consistent with a <br> moderately conservative <br> level of risk.<br>| Variable Portfolio - Moderately Conservative <br> Portfolio (Class 1)<sup>4</sup> <br>*Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.69% | 12.39% | 3.43% | 5.10% |
| Seeks to provide <br> shareholders with a high <br> level of current income <br> while conserving the <br> value of the investment <br> for the longest period of <br> time.<br>| Variable Portfolio - Partners Core Bond Fund <br> (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC, adviser; J.P. Morgan Investment* <br> *Management Inc. and Allspring Global* <br> *Investments, LLC, subadvisers.*<br>| 0.48% | 7.62% | 0.03% | 2.25% |
| Seeks to provide <br> shareholders with <br> long-term capital growth.<br>| Variable Portfolio - Partners Core Equity Fund <br> (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC, adviser; J.P. Morgan Investment* <br> *Management Inc. and T. Rowe Price* <br> *Associates, Inc., subadvisers.*<br>| 0.68%<sup>2</sup> | 13.42% | 13.32% | 12.91% |
| Seeks to provide <br> shareholders with <br> long-term growth of <br> capital.<br>| Variable Portfolio - Partners International <br> Core Equity Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC, adviser; Schroder Investment* <br> *Management North America Inc.,* <br> *subadviser; Schroder Investment* <br> *Management North America Limited,* <br> *sub-subadviser.*<br>| 0.83% | 24.85% | 7.29% | 6.39% |
| Seeks to provide <br> shareholders with <br> long-term capital growth.<br>| Variable Portfolio - Partners International <br> Growth Fund (Class 1)<br> *Columbia Management Investment Advisers* <br> *LLC, adviser; William Blair Investment* <br> *Management, LLC and Walter Scott &* <br> *Partners Limited, subadvisers.*<br>| 0.83%<sup>2</sup> | 17.77% | 1.61% | 5.26% |
| Seeks to provide <br> shareholders with <br> long-term capital growth.<br>| Variable Portfolio - Partners International <br> Value Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC, adviser; Pzena Investment* <br> *Management, LLC and Thompson, Siegel &* <br> *Walmsley LLC, subadvisers.*<br>| 0.80%<sup>2</sup> | 35.15% | 10.39% | 7.24% |
| Seeks to provide <br> shareholders with <br> long-term capital growth.<br>| Variable Portfolio - Partners Small Cap <br> Growth Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC, adviser; Goldman Sachs Asset* <br> *Management, LP and Segall Bryant & Hamill* <br> *LLC, subadvisers.*<br>| 0.85%<sup>2</sup> | 8.13% | 1.20% | 7.99% |
| Seeks to provide <br> shareholders with <br> long-term capital <br> appreciation.<br>| Variable Portfolio - Partners Small Cap Value <br> Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC, adviser; Segall Bryant & Hamill, LLC* <br> *and William Blair Investment Management,* <br> *LLC, subadvisers.*<br>| 0.84%<sup>2</sup> | 7.35% | 6.86% | 7.33%  |

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88 RiverSource Variable Universal Life 6 Insurance New York — Prospectus

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---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Fund and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) |
| **Investment Objective** | **Fund and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **1 Year** | **5 Year** | **10 Year** |
| Pursues total return <br> while seeking to <br> manage the Fund's <br> exposure to equity <br> market volatility.<br>| Variable Portfolio - U.S. Flexible Conservative <br> Growth Fund (Class 1)<sup>1,4,5</sup> <br>*Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.71% | 9.49% | 3.79% | - |
| Pursues total return <br> while seeking to <br> manage the Fund's <br> exposure to equity <br> market volatility.<br>| Variable Portfolio - U.S. Flexible Growth Fund <br> (Class 1)<sup>4,5</sup> <br>*Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.68% | 11.37% | 7.63% | - |
| Pursues total return <br> while seeking to <br> manage the Fund's <br> exposure to equity <br> market volatility.<br>| Variable Portfolio - U.S. Flexible Moderate <br> Growth Fund (Class 1)<sup>4,5</sup> <br>*Columbia Management Investment Advisers,* <br> *LLC*<br>| 0.69% | 10.37% | 5.72% | - |
| Seeks to maximize total <br> return.<br>| Western Asset Variable Global High Yield <br> Bond Portfolio (Class I)<br> *Franklin Templeton Fund Adviser, LLC,* <br> *adviser; Western Asset Management* <br> *Company, LLC, subadviser.*<br>| 0.81% | 9.96% | 2.56% | 5.33% |

---

Not available for policies with applications signed on or after 1/13/2024.

This Fund and its investment adviser and/or affiliates have entered into a temporary expense reimbursement arrangement and/or fee waiver. The Fund's annual expenses reflect temporary fee reductions. Please see the Fund's prospectus for additional information.

Available for policies with applications signed on or after 1/13/2024.

This Fund is managed in a way that is intended to minimize volatility of returns. See "Principal Risks of Investing in the Contract."

This Fund is a fund of funds and invests substantially all of its assets in other underlying funds. Because the Fund invests in other funds, it will bear its pro rata portion of the operating expenses of those underlying funds, including management fees.

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RiverSource Variable Universal Life 6 Insurance New York — Prospectus 89

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Appendix B: S&P Disclaimer

The "S&P 500 index" is a product of S&P Dow Jones Indices LLC or its affiliates ("SPDJI") and has been licensed for use by RiverSource Life Insurance Co. of New York ("RiverSource Life of NY"). S&P<sup>®</sup>, S&P 500<sup>®</sup>, US 500 and The 500 are trademarks of S&P Global, Inc. or its affiliates ("S&P"); Dow Jones<sup>®</sup> is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by RiverSource Life of NY. It is not possible to invest directly in an index. RiverSource Life of NY's indexed products (the "Products") are not sponsored, endorsed, sold or promoted by SPDJI, S&P, Dow Jones, or any of their respective affiliates (collectively, "S&P Dow Jones Indices"). S&P Dow Jones Indices makes no representation or warranty, express or implied, to the owners of the Products or any member of the public regarding the advisability of investing in securities generally or in the Products particularly or the ability of the S&P 500 index to track general market performance. Past performance of an index is not an indication or guarantee of future results. S&P Dow Jones Indices' only relationship to RiverSource Life of NY with respect to the S&P 500 index is the licensing of the S&P 500 index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its licensors. The S&P 500 index is determined, composed and calculated by S&P Dow Jones Indices without regard to RiverSource Life of NY or the Products. S&P Dow Jones Indices have no obligation to take the needs of RiverSource Life of NY or the owners of the Products into consideration in determining, composing or calculating the S&P 500 index. S&P Dow Jones Indices are not responsible for and have not participated in the determination of the prices, and amount of the Products or the timing of the issuance or sale of the Products or in the determination or calculation of the equation by which the Products are to be converted into cash, surrendered or redeemed, as the case may be. S&P Dow Jones Indices have no obligation or liability in connection with the administration, marketing or trading of the Products. There is no assurance that investment products based on the S&P 500 index will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment or tax advisor. A tax advisor should be consulted to evaluate the impact of any tax-exempt securities on portfolios and the tax consequences of making any particular investment decision. Inclusion of a security within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, nor is it considered to be investment advice.

S&P DOW JONES INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE S&P 500 INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY RIVERSOURCE LIFE OF NY, OWNERS OF THE PRODUCTS, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE S&P 500 INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBLITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND RIVERSOURCE LIFE OF NY, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.

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Additional information about RiverSource of New York Account 8 (Registrant) is included in the SAI. The SAI is available, without charge, upon request. To request the SAI, to obtain information about your policy or for other investor inquiries, contact your sales representative or RiverSource Life Insurance Co. of New York at the telephone number and address listed below. The SAI dated the same date as this prospectus is incorporated by reference into this prospectus.

Reports and other information about the Registrant are available on the SEC's Internet site at http:// www.sec.gov, and copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following E-mail address: publicinfo@sec.gov.

Investment Company Act File # #811-05213

EDGAR Contract Identifier C000206155

RiverSource Distributors, Inc. (Distributor), Member FINRA. Issued by RiverSource Life Insurance Co. of New York, Albany, New York. Affiliated with Ameriprise Financial Services, LLC.© 2008-2026 RiverSource Life Insurance Company. All rights reserved.

![(RiverSource Insurance Logo)](g135230img55c2e3731.jpg)

RiverSource Life Insurance Co. of New York

70500 Ameriprise Financial Center

Minneapolis, MN 55474

1-800-541-2251

PRO9089_12_E01_(05/26)

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PART B: STATEMENT OF ADDITIONAL INFORMATION

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**STATEMENT OF ADDITIONAL INFORMATION** 

**FOR** 

---

| |
|:---|
| **RIVERSOURCE**<sup>®</sup>**VARIABLE UNIVERSAL LIFE 6 INSURANCE** <br>**(VUL 6 – NY)**<br>|
| **RIVERSOURCE**<sup>®</sup> **SURVIVORSHIP VARIABLE UNIVERSAL LIFE** <br> **INSURANCE (SVUL – NY)**<br>|

---

**May 1, 2026**

**Issued by: RiverSource Life Insurance Co. of New York**

20 Madison Avenue Extension

Albany, NY 12203

Telephone: 1-800-541-2251

(Home Office)

Website address: riversource.com/lifeinsurance

**RiverSource of New York Account 8**

RiverSource of New York Account 8 is a separate account of RiverSource Life Insurance Co. of New York (RiverSource Life of NY). This Statement of Additional Information (SAI) is not a prospectus. It should be read together with the prospectus dated the same date as this SAI, which may be obtained by writing or calling us at the address and telephone number above.

SAI9020_12_E01_(05/26)

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**Table of Contents** 

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| | |
|:---|:---|
| [Information about RiverSource Life of NY](#tx_83b2eae8-3b11-43a6-8d7f-c77910411736_SAIFC-RegistrantNameinPageFolio-911_1) | p. 2 |
| [Rating Agencies](#tx_83b2eae8-3b11-43a6-8d7f-c77910411736_SAIFC-RegistrantNameinPageFolio-911_1) | p. 2 |
| [The Variable Account](#tx_83b2eae8-3b11-43a6-8d7f-c77910411736_SAIFC-RegistrantNameinPageFolio-911_1) | p. 2 |
| [Principal Underwriter](#tx_83b2eae8-3b11-43a6-8d7f-c77910411736_SAIFC-RegistrantNameinPageFolio-911_1) | p. 2 |
| [Non-Principal Risks of Investing in the Policy](#tx_83b2eae8-3b11-43a6-8d7f-c77910411736_SAIFC-RegistrantNameinPageFolio-911_2) | p. 3 |
| [Services](#tx_83b2eae8-3b11-43a6-8d7f-c77910411736_SAIFC-RegistrantNameinPageFolio-911_2) | p. 3 |
| [Custodian](#tx_83b2eae8-3b11-43a6-8d7f-c77910411736_SAIFC-RegistrantNameinPageFolio-911_3) | p. 4 |
| [Additional Information about the Operation of the Policies](#tx_83b2eae8-3b11-43a6-8d7f-c77910411736_AIOP1-RegistrantNameinPageFolio-911_1) | p. 5 |
| [Experts](#tx_83b2eae8-3b11-43a6-8d7f-c77910411736_AIOP1-RegistrantNameinPageFolio-911_1) | p. 5 |
| [Financial Statements](#tx_83b2eae8-3b11-43a6-8d7f-c77910411736_FS-RegistrantNameinPageFolio-911_1) |  |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1 ■ RiverSource of New York Account 8**

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**Information about RiverSource Life of NY**

We are a stock life insurance company organized in 1972 under the laws of the state of New York and are located at 20 Madison Avenue Extension, Albany, NY 12203. Our mailing address is: 70500 Ameriprise Financial Center, Minneapolis, MN 55474.

We conduct a conventional life insurance business in the state of New York. Our primary products currently include fixed and variable annuity contracts and life insurance policies.

**OWNERSHIP**

RiverSource Life of NY, a New York corporation is a wholly-owned subsidiary of RiverSource Life Insurance Company, a Minnesota Corporation which is a wholly-owned subsidiary of Ameriprise Financial, Inc. (Ameriprise Financial). The Ameriprise Financial family of companies offers not only insurance and annuities, but also mutual funds, investment certificates and a broad range of financial management services.

**STATE REGULATION**

We are subject to the laws of New York governing insurance companies and to regulation by the New York State Department of Financial Services (the Department). We file an annual statement in a prescribed form with the Department. Our books and accounts are subject to review by the Department at all times and a full examination of our operations is conducted periodically.

**REPORTS**

At least once a year we will mail to you, at your last known address of record, a report containing all information required by law or regulation, including a statement showing the current policy value.

**Rating Agencies**

Generally, RiverSource Life of NY does not receive individual ratings from rating agencies but receives the same ratings as its parent, RiverSource Life Insurance Company. Rating agencies evaluate the creditworthiness and claims-paying ability of insurance companies based on a number of different factors. These ratings reflect each agency's estimation of our ability to meet our contractual obligations such as paying death benefits and other distributions. As such, the ratings relate to our fixed account and not to the subaccounts. This information generally does not relate to the management or performance of the subaccounts.

For detailed information on the agency ratings given to RiverSource Life of NY, see "Investor Relations — Financial Information — Credit Ratings" on our website at ameriprise.com or contact your sales representative. You also may view our current ratings by visiting the agency websites directly at:

<u> A.M. Best </u> <u> www.ambest.com </u> <br> <u> Moody's </u> <u> www.moodys.com </u> <br> <u> Standard & Poor's </u> <u> www.standardandpoors.com </u>

A.M. Best — Rates insurance companies for their financial strength.

Moody's — Rates insurance companies for their financial strength.

Standard & Poor's — Rates insurance companies for their financial strength.

**The Variable Account**

We established RiverSource of New York Account 8 (the "Variable Account") on Sept. 12, 1985, under New York law. It is registered as a single unit investment trust under the Investment Company Act of 1940. This registration does not involve any SEC supervision of the Variable Account's management or investment practices or policies.

The Variable Account meets the definition of a separate account under federal securities laws. Other variable life insurance policies that are not described in this statement of additional information also invest in subaccounts of the Variable Account.

**Principal Underwriter**

RiverSource Distributors, Inc. (RiverSource Distributors), our affiliate, serves as principal underwriter for the policy, which is offered on a continuous basis. Its offices are located at 70100 Ameriprise Financial Center, Minneapolis, MN 55474. RiverSource Distributors is registered with the Securities and Exchange Commission under the Securities Act of 1934 as a broker dealer and is a member of the Financial Industry Regulatory Authority (FINRA). The policies are offered to the public through certain securities broker-dealers that have entered into sales agreements with us and RiverSource Distributors and whose personnel are legally authorized to sell life insurance products. RiverSource Distributors is a wholly-owned subsidiary of Ameriprise Financial, Inc.

**RiverSource of New York Account 8** ■ 2

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The aggregate dollar amount of underwriting commissions paid to RiverSource Distributors by RiverSource Life of NY for the variable accounts in 2025 was $18,776,398 in 2024 was $20,338,738, and in 2023 was $18,456,768. RiverSource Distributors retains no underwriting commissions from the sale of the policy.

**Non-Principal Risks of Investing in the Policy**

**Fund of Funds Risk.** Funds that are "funds of funds" (or "feeder funds") invest substantially all of their assets in other funds and will therefore bear a pro-rata share of fees and expenses incurred by both funds. This will reduce your investment return.

**Money Market Fund Sub-Account Delay of Payment Risk.** If, pursuant to SEC rules, a Fund that is a money market fund suspends payment of redemption proceeds in connection with a liquidation of such Fund, we will delay payment of any transfer, partial withdrawal, full surrender, or death benefit from the corresponding Subaccount until the Fund is liquidated.

**Mixed and Shared Funding Risk.** Fund shares may be sold to our insurance company affiliates or other unaffiliated insurance companies to serve as an underlying investment for variable annuity contracts and variable life insurance policies, pursuant to a practice known as mixed and shared funding. As a result, there is a possibility that a material conflict may arise between the interests of Owners, and other Owners investing in these Funds. If a material conflict arises, we will consider what action may be appropriate, including removing the Fund from the Variable Account or replacing the Fund with another underlying Fund.

**LIMITATIONS ON USE OF THE POLICY**

If mandated by applicable law, including, but not limited to, federal anti-money laundering laws, we may be required to reject a premium payment. We may also be required to block an Owner's access to Policy Values or to satisfy other statutory obligations. Under these circumstances we may refuse to implement requests for transfers, surrenders or death benefits until instructions are received from the appropriate government authority or a court of competent jurisdiction.

**BUSINESS CONTINUITY/DISASTER RECOVERY**

Disruptive events, including natural or man-made disasters and public health crises may adversely affect our ability to conduct business, including if our employees, the employees of intermediaries or service providers are unable to perform their responsibilities as a result of any such event. Such disruptions to our business operations could interfere with processing of transactions (including the issuance of policies). Also, disruptions may interfere with our ability to receive, pick up and process mail and messages, impact our ability to calculate values, or cause other operational or system issues. Furthermore, these disruptions may persist even if our employees, the employees of intermediaries or service providers are able to work remotely. These events may also impact the issuers of securities in which the Funds invest, which may cause the Funds to lose value. There can be no assurance that RiverSource Life of NY, the Funds, or our service providers will avoid losses affecting your policy due to a disaster or other catastrophe.

**Services**

Our Service Center performs certain administrative services on the contracts and policies we issue. The address and telephone number of our Service Center are listed on the first page of the prospectus.

We also have entered into agreements with the following entities to provide the identified services in connection with the contracts and policies we issue. The entities engaged by RiverSource Life of NY may change over time.

Entities that provided a significant amount of services to RiverSource Life of NY, the compensation paid, and the basis for remuneration are listed below. Ameriprise Financial, Inc. and RiverSource Life Insurance Company are affiliated with RiverSource Life of NY.

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| | | | |
|:---|:---|:---|:---|
| **Name of Service Provider** | **Services Provided** | **Principal Business Address** | **Basis for Remuneration** |
| Ameriprise Financial, Inc. ("AFI") | Business affairs management and <br> administrative support related to <br> new business and servicing of <br> existing contracts and policies<br>| &nbsp;&nbsp; 901 Third Avenue South <br>Minneapolis, MN 55402 <br>USA<br>| &nbsp;&nbsp; Expense allocation based primarily <br> on policies in force, secondarily on <br> policies issued or cash sales (for <br> acquisition expenses)<br>|
| RiverSource Life Insurance Company | Business affairs management and <br> administrative support related to <br> new business and servicing of <br> existing contracts and policies<br>| &nbsp;&nbsp; 901 Third Avenue South <br>Minneapolis, MN 55402 <br>USA<br>| &nbsp;&nbsp; Expense allocation based primarily <br> on policies in force, secondarily on <br> policies issued or cash sales (for <br> acquisition expenses)<br>|

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The aggregate dollar amount paid to AFI by RiverSource Life of NY for the services provided in 2025 was $801,410, in 2024 was $846,488 and in 2023 was $924,559.

The aggregate dollar amount paid to RiverSource Life Insurance Company by RiverSource Life of NY for the services provided in 2025 was $8,386,824, in 2024 was $7,503,799 and in 2023 was $8,187,310.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3 ■ RiverSource of New York Account 8**

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**Custodian**

RiverSource Life of NY is the custodian of the assets of RiverSource of New York Account 8. RiverSource Life of NY holds these assets for safekeeping, maintains records and accounts relating to the variable account including purchase and redemption transactions, and is responsible for administration of the policies. RiverSource Life of NY's principal offices are located at 20 Madison Avenue Extension, Albany, NY 12203.

**RiverSource of New York Account 8** ■ 4

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**Additional Information about the Operation of the Policies**

**ADDITIONAL INFORMATION ON PAYMENT OPTIONS FOR VUL 6 – NY and SVUL – NY**

**VUL 6 – NY/SVUL – NY**

**Option B — Payments for a specified period:** We will make fixed monthly payments for any number of years you specify.

Here are examples of monthly payments for each $1,000 placed under this option:

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| | |
|:---|:---|
| &nbsp;&nbsp; **Payment Period** <br>**(Years)**<br>| **Monthly Payment per $1,000** <br>**Placed Under Option B**<br>|
| 10 | $8.44 |
| 15 | 5.66 |
| 20 | 4.27 |
| 25 | 3.44 |
| 30 | 2.88 |

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We will furnish monthly amounts for other payment periods at your request, without charge.

**Option C — Lifetime income:** We will base the amount of each monthly payment per $1,000 placed under this option on the table of settlement rates in effect at the time of the first payment. The amount depends on the sex and age of the payee on that date.

**Option C Table** 

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  | **Life Income per $1,000 with Payments Guaranteed for** | **Life Income per $1,000 with Payments Guaranteed for** | **Life Income per $1,000 with Payments Guaranteed for** | **Life Income per $1,000 with Payments Guaranteed for** | **Life Income per $1,000 with Payments Guaranteed for** |  |
|  |  | **5 Years** | **5 Years** | **10 Years** | **10 Years** | **15 Years** | **15 Years** |
| &nbsp;&nbsp; **Age** <br>**Payee**<br>| **Beginning** <br>**in Year**<br>| **Male** | **Female** | **Male** | **Female** | **Male** | **Female** |
| 65 | 2025 | $3.60 | $3.21 | $3.55 | $3.19 | $3.44 | $3.14 |
|  | 2030 | 3.53 | 3.16 | 3.48 | 3.14 | 3.39 | 3.09 |
|  | 2035 | 3.46 | 3.10 | 3.42 | 3.08 | 3.34 | 3.05 |
|  | 2040 | 3.40 | 3.05 | 3.37 | 3.04 | 3.29 | 3.00 |
|  | 2045 | 3.35 | 3.01 | 3.31 | 2.99 | 3.24 | 2.96 |
| 70 | 2025 | 4.34 | 3.84 | 4.21 | 3.79 | 3.99 | 3.67 |
|  | 2030 | 4.25 | 3.77 | 4.13 | 3.72 | 3.92 | 3.61 |
|  | 2035 | 4.16 | 3.69 | 4.05 | 3.65 | 3.87 | 3.55 |
|  | 2040 | 4.08 | 3.63 | 3.98 | 3.59 | 3.81 | 3.50 |
|  | 2045 | 4.00 | 3.56 | 3.91 | 3.53 | 3.75 | 3.45 |
| 75 | 2025 | 5.33 | 4.74 | 5.03 | 4.58 | 4.57 | 4.30 |
|  | 2030 | 5.20 | 4.63 | 4.93 | 4.49 | 4.51 | 4.23 |
|  | 2035 | 5.08 | 4.53 | 4.84 | 4.40 | 4.45 | 4.17 |
|  | 2040 | 4.97 | 4.43 | 4.75 | 4.32 | 4.39 | 4.11 |
|  | 2045 | 4.87 | 4.34 | 4.67 | 4.24 | 4.34 | 4.05 |
| 85 | 2025 | 8.40 | 7.77 | 6.98 | 6.70 | 5.52 | 5.44 |
|  | 2030 | 8.20 | 7.57 | 6.90 | 6.60 | 5.50 | 5.41 |
|  | 2035 | 8.02 | 7.37 | 6.81 | 6.50 | 5.47 | 5.38 |
|  | 2040 | 7.84 | 7.19 | 6.72 | 6.40 | 5.45 | 5.36 |
|  | 2045 | 7.67 | 7.03 | 6.64 | 6.30 | 5.43 | 5.33 |

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The table above is based on the "Annuity 2000 Mortality Table" with 100% Projection Scale G at 0.50% annual effective interest rate. Settlement rates for any combination of year, age and sex not shown above will be calculated on the same basis as those rates shown in the table above. We will furnish such rates upon request.

**Experts**

The financial statements as of December 31, 2025 and December 31, 2024 and for each of the three years in the period ended December 31, 2025 of the RiverSource Life Insurance Co. of New York and the financial statements as of December 31, 2025 and for each of the two years in the period ended December 31, 2025 of each of the divisions of RiverSource of New York Account 8 included in this Statement of Additional Information dated April 24, 2026, have been so included in reliance on the reports of PricewaterhouseCoopers LLP, an independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5 ■ RiverSource of New York Account 8**

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**REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM**

**TO THE BOARD OF DIRECTORS OF RIVERSOURCE LIFE INSURANCE CO. OF NEW YORK AND**

**THE POLICY OWNERS OF RIVERSOURCE OF NEW YORK ACCOUNT 8**

***Opinions on the Financial Statements***

We have audited the accompanying statements of assets and liabilities of each of the divisions of RiverSource of New York Account 8, as indicated in Note 1, as of December 31, 2025, and the related statements of operations and of changes in net assets for each of the periods indicated in Note 1, including the related notes (collectively referred to as the "financial statements"). In our opinion, the financial statements present fairly, in all material respects, the financial position of each of the divisions of RiverSource of New York Account 8 as of December 31, 2025, and the results of each of their operations and the changes in each of their net assets of the periods indicated in Note 1 in conformity with accounting principles generally accepted in the United States of America.

***Basis for Opinions***

These financial statements are the responsibility of the RiverSource Life Insurance Co. of New York management. Our responsibility is to express an opinion on the financial statements of each of the divisions of the RiverSource of New York Account 8 based on our audits. We are a public accounting firm registered with the Public Company Accounting Oversight Board (United States) (PCAOB) and are required to be independent with respect to each of the divisions of the RiverSource of New York Account 8 in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.

We conducted our audits of these financial statements in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement, whether due to error or fraud.

Our audits included performing procedures to assess the risks of material misstatement of the financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Our audits also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall presentation of the financial statements. Our procedures included confirmation of investments owned as of December 31, 2025, by correspondence with the investee mutual funds and the transfer agents of the investee mutual funds. We believe that our audits provide a reasonable basis for our opinions.

/s/ PricewaterhouseCoopers LLP

Minneapolis, Minnesota

April 24, 2026

We have served as the auditor of one or more of the divisions of RiverSource of New York Account 8 since 2010.

**RiverSource of New York Account 8** ■ 6

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**Statement of Assets and Liabilities**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025** | **AB VPS Dyn** <br> **Asset Alloc,** <br>**Cl B**<br>| **AB VPS Intl** <br> **Val,** <br>**Cl B**<br>| **AB VPS Lg** <br> **Cap Gro,** <br>**Cl A**<br>| **AB VPS Lg** <br> **Cap Gro,** <br>**Cl B**<br>| **AB VPS** <br> **Relative Val,** <br>**Cl B**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $599 | $3582272 | $1391228 | $3777009 | $2745728 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments |  | 102 | 139 |  | 173 |
| Receivable for share redemptions |  | 1662 |  | 1165 | 1007 |
| Total assets | 599 | 3584036 | 1391367 | 3778174 | 2746908 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee |  | 1357 |  | 1165 | 1007 |
| Contract terminations |  | 305 |  |  |  |
| Payable for investments purchased |  | 102 | 139 |  | 173 |
| Total liabilities |  | 1764 | 139 | 1165 | 1180 |
| Net assets applicable to Variable Life contracts in accumulation period | 1 | 3582272 | 1391228 | 3777009 | 2745728 |
| Net assets applicable to seed money | 598 |  |  |  |  |
| Total net assets | $599 | $3582272 | $1391228 | $3777009 | $2745728 |
| Investment shares | 55 | 172059 | 15032 | 46355 | 89003 |
| Investments, at cost | $602 | $2673486 | $1248026 | $3141782 | $2622628 |

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **Allspg VT** <br> **Index Asset** <br> **Alloc,** <br>**Cl 2**<br>| **Allspg VT Opp,** <br>**Cl 1**<br>| **Allspg VT Opp,** <br>**Cl 2**<br>| **Allspg VT Sm** <br> **Cap Gro,** <br>**Cl 1**<br>| **Allspg VT Sm** <br> **Cap Gro,** <br>**Cl 2**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $651933 | $27949 | $1340405 | $533563 | $1544460 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments |  |  | 49 | 29 |  |
| Receivable for share redemptions | 210 |  | 402 |  | 406 |
| Total assets | 652143 | 27949 | 1340856 | 533592 | 1544866 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee | 210 |  | 402 |  | 395 |
| Contract terminations |  |  |  |  | 11 |
| Payable for investments purchased |  |  | 49 | 29 |  |
| Total liabilities | 210 |  | 451 | 29 | 406 |
| Net assets applicable to Variable Life contracts in accumulation period | 651800 | 27949 | 1340239 | 533563 | 1544460 |
| Net assets applicable to seed money | 133 |  | 166 |  |  |
| Total net assets | $651933 | $27949 | $1340405 | $533563 | $1544460 |
| Investment shares | 32597 | 1089 | 52156 | 51552 | 160881 |
| Investments, at cost | $635149 | $27972 | $1322344 | $500213 | $1545212 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**7 ■ RiverSource of New York Account 8**

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**Statement of Assets and Liabilities**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **ALPS Alerian** <br> **Engy Infr,** <br> **Class I**<br>| **ALPS Alerian** <br> **Engy Infr,** <br> **Class III**<br>| **BlackRock** <br> **Global Alloc,** <br>**Cl I**<br>| **BlackRock** <br> **Global Alloc,** <br>**Cl III**<br>| **Calvert VP SRI** <br> **Bal,** <br>**Cl I**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $102515 | $517634 | $378192 | $618492 | $3010144 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments | 857 |  |  | 17 |  |
| Receivable for share redemptions |  | 249 |  | 254 | 1472 |
| Total assets | 103372 | 517883 | 378192 | 618763 | 3011616 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee |  | 249 |  | 254 | 1351 |
| Contract terminations |  |  |  |  | 121 |
| Payable for investments purchased | 857 |  |  | 17 |  |
| Total liabilities | 857 | 249 |  | 271 | 1472 |
| Net assets applicable to Variable Life contracts in accumulation period | 102515 | 517395 | 378192 | 618348 | 3010022 |
| Net assets applicable to seed money |  | 239 |  | 144 | 122 |
| Total net assets | $102515 | $517634 | $378192 | $618492 | $3010144 |
| Investment shares | 8143 | 41180 | 21439 | 46364 | 1056191 |
| Investments, at cost | $102654 | $424425 | $371401 | $636986 | $2619045 |

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **Col VP Acorn** | **Col VP Acorn** <br> **Intl**<br>| **Col VP Bal,** <br>**Cl 1**<br>| **Col VP Bal,** <br>**Cl 3**<br>| **Col VP** <br> **Commodity** <br> **Strategy,** <br>**Cl 1**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $5847052 | $4081173 | $3650762 | $20072505 | $103549 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments | 1733 | 3508 | 1673 |  | 162 |
| Receivable for share redemptions | 2661 | 1774 |  | 14115 |  |
| Total assets | 5851446 | 4086455 | 3652435 | 20086620 | 103711 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee | 2588 | 1774 |  | 13509 |  |
| Contract terminations | 73 |  |  | 606 |  |
| Payable for investments purchased | 1733 | 3508 | 1673 |  | 162 |
| Total liabilities | 4394 | 5282 | 1673 | 14115 | 162 |
| Net assets applicable to Variable Life contracts in accumulation period | 5847052 | 4081173 | 3650762 | 20072505 | 103549 |
| Net assets applicable to seed money |  |  |  |  |  |
| Total net assets | $5847052 | $4081173 | $3650762 | $20072505 | $103549 |
| Investment shares | 367739 | 199666 | 65485 | 364888 | 25256 |
| Investments, at cost | $6835728 | $4746495 | $2892861 | $8266497 | $109098 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 8

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**Statement of Assets and Liabilities**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **Col VP** <br> **Commodity** <br> **Strategy,** <br>**Cl 2**<br>| **Col VP** <br> **Contrarian** <br> **Core,** <br>**Cl 1**<br>| **Col VP** <br> **Contrarian** <br> **Core,** <br>**Cl 2**<br>| **Col VP** <br> **Corporate** <br> **Bond,** <br>**Cl 1**<br>| **Col VP** <br> **Corporate** <br> **Bond,** <br>**Cl 2**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $44101 | $631008 | $469827 | $14038 | $102075 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments |  | 1139 |  |  |  |
| Receivable for share redemptions |  |  |  |  |  |
| Total assets | 44101 | 632147 | 469827 | 14038 | 102075 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee |  |  |  |  |  |
| Contract terminations |  |  |  |  |  |
| Payable for investments purchased |  | 1139 |  |  |  |
| Total liabilities |  | 1139 |  |  |  |
| Net assets applicable to Variable Life contracts in accumulation period | 44101 | 631008 | 469827 | 14038 | 102075 |
| Net assets applicable to seed money |  |  |  |  |  |
| Total net assets | $44101 | $631008 | $469827 | $14038 | $102075 |
| Investment shares | 11025 | 9932 | 7649 | 1788 | 13291 |
| Investments, at cost | $50490 | $427025 | $286393 | $13621 | $110385 |

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **Col VP** <br> **Corporate** <br> **Bond,** <br>**Cl 3**<br>| **Col VP** <br> **Disciplined** <br> **Core,** <br>**Cl 1**<br>| **Col VP** <br> **Disciplined** <br> **Core,** <br>**Cl 2**<br>| **Col VP** <br> **Disciplined** <br> **Core,** <br>**Cl 3**<br>| **Col VP Divd** <br> **Opp,** <br>**Cl 1**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $1202237 | $415891 | $548251 | $34146435 | $801503 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments | 50 |  |  | 26 | 29 |
| Receivable for share redemptions | 557 |  |  | 25329 |  |
| Total assets | 1202844 | 415891 | 548251 | 34171790 | 801532 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee | 531 |  |  | 25295 |  |
| Contract terminations | 26 |  |  | 34 |  |
| Payable for investments purchased | 50 |  |  | 26 | 29 |
| Total liabilities | 607 |  |  | 25355 | 29 |
| Net assets applicable to Variable Life contracts in accumulation period | 1202237 | 415891 | 548251 | 34146435 | 801503 |
| Net assets applicable to seed money |  |  |  |  |  |
| Total net assets | $1202237 | $415891 | $548251 | $34146435 | $801503 |
| Investment shares | 154728 | 3212 | 4402 | 269081 | 15278 |
| Investments, at cost | $1329130 | $308765 | $234616 | $7423614 | $673453 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**9 ■ RiverSource of New York Account 8**

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**Statement of Assets and Liabilities**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **Col VP Divd** <br> **Opp,** <br>**Cl 2**<br>| **Col VP Divd** <br> **Opp,** <br>**Cl 3**<br>| **Col VP Emer** <br> **Mkts,** <br>**Cl 1**<br>| **Col VP Emer** <br> **Mkts,** <br>**Cl 2**<br>| **Col VP Emer** <br> **Mkts,** <br>**Cl 3**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $403004 | $13971040 | $393637 | $482118 | $2358589 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments |  | 2270 | 235 |  | 116 |
| Receivable for share redemptions |  | 6586 |  |  | 1132 |
| Total assets | 403004 | 13979896 | 393872 | 482118 | 2359837 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee |  | 6586 |  |  | 1117 |
| Contract terminations |  |  |  |  | 15 |
| Payable for investments purchased |  | 2270 | 235 |  | 116 |
| Total liabilities |  | 8856 | 235 |  | 1248 |
| Net assets applicable to Variable Life contracts in accumulation period | 403004 | 13971040 | 393637 | 482118 | 2358589 |
| Net assets applicable to seed money |  |  |  |  |  |
| Total net assets | $403004 | $13971040 | $393637 | $482118 | $2358589 |
| Investment shares | 7993 | 271704 | 29310 | 36719 | 177338 |
| Investments, at cost | $281917 | $7043563 | $364200 | $500759 | $2376951 |

---

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **Col VP Emerg** <br> **Mkts Bond,** <br>**Cl 1**<br>| **Col VP Emerg** <br> **Mkts Bond,** <br>**Cl 2**<br>| **Col VP Govt** <br> **Money Mkt,** <br>**Cl 1**<br>| **Col VP Govt** <br> **Money Mkt,** <br>**Cl 2**<br>| **Col VP Govt** <br> **Money Mkt,** <br>**Cl 3**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $54133 | $19266 | $697636 | $527679 | $3667213 |
| Dividends receivable |  |  | 65 | 46 | 329 |
| Accounts receivable from RiverSource Life of NY for contract purchase payments |  |  |  |  | 664 |
| Receivable for share redemptions |  |  |  |  | 1733 |
| Total assets | 54133 | 19266 | 697701 | 527725 | 3669939 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee |  |  |  |  | 1725 |
| Contract terminations |  |  |  |  | 8 |
| Payable for investments purchased |  |  |  |  | 664 |
| Total liabilities |  |  |  |  | 2397 |
| Net assets applicable to Variable Life contracts in accumulation period | 54133 | 19266 | 697701 | 527725 | 3667542 |
| Net assets applicable to seed money |  |  |  |  |  |
| Total net assets | $54133 | $19266 | $697701 | $527725 | $3667542 |
| Investment shares | 6376 | 2269 | 697637 | 527680 | 3667213 |
| Investments, at cost | $50769 | $20347 | $697637 | $527679 | $3667211 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 10

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**Statement of Assets and Liabilities**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **Col VP Hi** <br> **Yield Bond,** <br>**Cl 1**<br>| **Col VP Hi** <br> **Yield Bond,** <br>**Cl 2**<br>| **Col VP Hi** <br> **Yield Bond,** <br>**Cl 3**<br>| **Col VP Inc** <br> **Opp,** <br>**Cl 1**<br>| **Col VP Inc** <br> **Opp,** <br>**Cl 2**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $412384 | $401647 | $2783964 | $30445 | $88701 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments | 365 |  | 19 |  |  |
| Receivable for share redemptions |  |  | 1375 |  |  |
| Total assets | 412749 | 401647 | 2785358 | 30445 | 88701 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee |  |  | 1295 |  |  |
| Contract terminations |  |  | 80 |  |  |
| Payable for investments purchased | 365 |  | 19 |  |  |
| Total liabilities | 365 |  | 1394 |  |  |
| Net assets applicable to Variable Life contracts in accumulation period | 412384 | 401647 | 2783964 | 30445 | 88701 |
| Net assets applicable to seed money |  |  |  |  |  |
| Total net assets | $412384 | $401647 | $2783964 | $30445 | $88701 |
| Investment shares | 65458 | 64677 | 444013 | 4497 | 13219 |
| Investments, at cost | $403423 | $411235 | $2857309 | $30567 | $85707 |

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **Col VP Inc** <br> **Opp,** <br>**Cl 3**<br>| **Col VP Inter** <br> **Bond,** <br>**Cl 1**<br>| **Col VP Inter** <br> **Bond,** <br>**Cl 2**<br>| **Col VP Inter** <br> **Bond,** <br>**Cl 3**<br>| **Col VP Lg Cap** <br> **Gro,** <br>**Cl 1**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $1252829 | $270767 | $104129 | $5886117 | $4313303 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments | 15 | 806 |  | 3831 | 2067 |
| Receivable for share redemptions | 659 |  | 210 | 3008 |  |
| Total assets | 1253503 | 271573 | 104339 | 5892956 | 4315370 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee | 578 |  |  | 3008 |  |
| Contract terminations | 81 |  | 210 |  |  |
| Payable for investments purchased | 15 | 806 |  | 3831 | 2067 |
| Total liabilities | 674 | 806 | 210 | 6839 | 2067 |
| Net assets applicable to Variable Life contracts in accumulation period | 1252829 | 270767 | 104129 | 5886117 | 4313303 |
| Net assets applicable to seed money |  |  |  |  |  |
| Total net assets | $1252829 | $270767 | $104129 | $5886117 | $4313303 |
| Investment shares | 183430 | 31485 | 12165 | 682844 | 75858 |
| Investments, at cost | $1291842 | $275551 | $107651 | $6613309 | $2900252 |

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See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**11 ■ RiverSource of New York Account 8**

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**Statement of Assets and Liabilities**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **Col VP Lg Cap** <br> **Gro,** <br>**Cl 2**<br>| **Col VP Lg Cap** <br> **Gro,** <br>**Cl 3**<br>| **Col VP Lg Cap** <br> **Index,** <br>**Cl 1**<br>| **Col VP Lg Cap** <br> **Index,** <br>**Cl 3**<br>| **Col VP Limited** <br> **Duration Cr,** <br>**Cl 1**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $729328 | $4158682 | $12653642 | $18706072 | $104600 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments |  | 5011 | 137 | 437 | 19 |
| Receivable for share redemptions |  | 2011 |  | 8106 |  |
| Total assets | 729328 | 4165704 | 12653779 | 18714615 | 104619 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee |  | 2011 |  | 7530 |  |
| Contract terminations |  |  |  | 576 |  |
| Payable for investments purchased |  | 5011 | 137 | 437 | 19 |
| Total liabilities |  | 7022 | 137 | 8543 | 19 |
| Net assets applicable to Variable Life contracts in accumulation period | 729328 | 4158682 | 12653642 | 18706072 | 104600 |
| Net assets applicable to seed money |  |  |  |  |  |
| Total net assets | $729328 | $4158682 | $12653642 | $18706072 | $104600 |
| Investment shares | 13341 | 74515 | 213780 | 321631 | 10999 |
| Investments, at cost | $352964 | $1616277 | $8875987 | $8602134 | $105837 |

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **Col VP Limited** <br> **Duration Cr,** <br>**Cl 2**<br>| **Col VP Long** <br> **Govt/Cr Bond,** <br>**Cl 1**<br>| **Col VP Long** <br> **Govt/Cr Bond,** <br>**Cl 2**<br>| **Col VP** <br> **Overseas** <br> **Core,** <br>**Cl 1**<br>| **Col VP** <br> **Overseas** <br> **Core,** <br>**Cl 2**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $924866 | $36481 | $526 | $987280 | $249608 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments |  |  |  | 430 |  |
| Receivable for share redemptions | 506 |  |  |  | 177 |
| Total assets | 925372 | 36481 | 526 | 987710 | 249785 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee | 397 |  |  |  |  |
| Contract terminations | 109 |  |  |  | 177 |
| Payable for investments purchased |  |  |  | 430 |  |
| Total liabilities | 506 |  |  | 430 | 177 |
| Net assets applicable to Variable Life contracts in accumulation period | 924771 | 36481 | 526 | 987280 | 249608 |
| Net assets applicable to seed money | 95 |  |  |  |  |
| Total net assets | $924866 | $36481 | $526 | $987280 | $249608 |
| Investment shares | 97766 | 5138 | 74 | 55186 | 14102 |
| Investments, at cost | $922639 | $38969 | $703 | $773565 | $188256 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 12

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**Statement of Assets and Liabilities**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **Col VP** <br> **Overseas** <br> **Core,** <br>**Cl 3**<br>| **Col VP Sel Gbl** <br> **Tech,** <br>**Cl 1**<br>| **Col VP Sel Gbl** <br> **Tech,** <br>**Cl 2**<br>| **Col VP Select** <br> **Lg Cap Val,** <br>**Cl 1**<br>| **Col VP Select** <br> **Lg Cap Val,** <br>**Cl 2**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $6205392 | $577656 | $207022 | $1380916 | $259221 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments |  |  |  | 1166 |  |
| Receivable for share redemptions | 12557 |  |  |  | 4443 |
| Total assets | 6217949 | 577656 | 207022 | 1382082 | 263664 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee | 4574 |  |  |  |  |
| Contract terminations | 7983 |  |  |  | 4443 |
| Payable for investments purchased |  |  |  | 1166 |  |
| Total liabilities | 12557 |  |  | 1166 | 4443 |
| Net assets applicable to Variable Life contracts in accumulation period | 6205392 | 577656 | 207022 | 1380916 | 259221 |
| Net assets applicable to seed money |  |  |  |  |  |
| Total net assets | $6205392 | $577656 | $207022 | $1380916 | $259221 |
| Investment shares | 348226 | 13803 | 6094 | 24642 | 4806 |
| Investments, at cost | $4141028 | $412266 | $153053 | $996656 | $157269 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **Col VP Select** <br> **Lg Cap Val,** <br>**Cl 3**<br>| **Col VP Select** <br> **Mid Cap Gro,** <br>**Cl 1**<br>| **Col VP Select** <br> **Mid Cap Gro,** <br>**Cl 2**<br>| **Col VP Select** <br> **Mid Cap Gro,** <br>**Cl 3**<br>| **Col VP Select** <br> **Mid Cap Val,** <br>**Cl 1**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $944723 | $697593 | $144413 | $1347673 | $626668 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments | 33 |  |  |  |  |
| Receivable for share redemptions | 1578 |  |  | 614 |  |
| Total assets | 946334 | 697593 | 144413 | 1348287 | 626668 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee | 384 |  |  | 580 |  |
| Contract terminations | 1194 |  |  | 34 |  |
| Payable for investments purchased | 33 |  |  |  |  |
| Total liabilities | 1611 |  |  | 614 |  |
| Net assets applicable to Variable Life contracts in accumulation period | 944723 | 697593 | 144413 | 1347673 | 626668 |
| Net assets applicable to seed money |  |  |  |  |  |
| Total net assets | $944723 | $697593 | $144413 | $1347673 | $626668 |
| Investment shares | 17199 | 10790 | 2321 | 21257 | 13238 |
| Investments, at cost | $563378 | $473514 | $83107 | $858237 | $482630 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**13 ■ RiverSource of New York Account 8**

------

**Statement of Assets and Liabilities**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **Col VP Select** <br> **Mid Cap Val,** <br>**Cl 2**<br>| **Col VP Select** <br> **Mid Cap Val,** <br>**Cl 3**<br>| **Col VP Select** <br> **Sm Cap Val,** <br>**Cl 1**<br>| **Col VP Select** <br> **Sm Cap Val,** <br>**Cl 2**<br>| **Col VP Select** <br> **Sm Cap Val,** <br>**Cl 3**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $204449 | $1070683 | $246822 | $195519 | $1106997 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments | 1305 | 2 |  | 3316 | 74 |
| Receivable for share redemptions |  | 371 |  |  | 570 |
| Total assets | 205754 | 1071056 | 246822 | 198835 | 1107641 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee |  | 371 |  |  | 513 |
| Contract terminations |  |  |  |  | 57 |
| Payable for investments purchased | 1305 | 2 |  | 3316 | 74 |
| Total liabilities | 1305 | 373 |  | 3316 | 644 |
| Net assets applicable to Variable Life contracts in accumulation period | 204449 | 1070683 | 246822 | 195519 | 1106997 |
| Net assets applicable to seed money |  |  |  |  |  |
| Total net assets | $204449 | $1070683 | $246822 | $195519 | $1106997 |
| Investment shares | 4480 | 23040 | 5888 | 4848 | 26908 |
| Investments, at cost | $121805 | $672474 | $206842 | $134252 | $678148 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **Col VP** <br> **Strategic Inc,** <br>**Cl 1**<br>| **Col VP** <br> **Strategic Inc,** <br>**Cl 2**<br>| **Col VP US** <br> **Govt Mtge,** <br>**Cl 1**<br>| **Col VP US** <br> **Govt Mtge,** <br>**Cl 2**<br>| **Col VP US** <br> **Govt Mtge,** <br>**Cl 3**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $267354 | $271905 | $26937 | $15518 | $1237089 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments | 843 |  |  |  | 210 |
| Receivable for share redemptions |  |  |  |  | 630 |
| Total assets | 268197 | 271905 | 26937 | 15518 | 1237929 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee |  |  |  |  | 614 |
| Contract terminations |  |  |  |  | 16 |
| Payable for investments purchased | 843 |  |  |  | 210 |
| Total liabilities | 843 |  |  |  | 840 |
| Net assets applicable to Variable Life contracts in accumulation period | 267354 | 271905 | 26937 | 15518 | 1237089 |
| Net assets applicable to seed money |  |  |  |  |  |
| Total net assets | $267354 | $271905 | $26937 | $15518 | $1237089 |
| Investment shares | 70542 | 72702 | 2878 | 1663 | 132168 |
| Investments, at cost | $266377 | $269338 | $26473 | $15585 | $1293074 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 14

------

**Statement of Assets and Liabilities**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **CS Commodity** <br> **Return,** <br>**Cl 1**<br>| **CTIVP AC Div** <br> **Bond,** <br>**Cl 1**<br>| **CTIVP AC Div** <br> **Bond,** <br>**Cl 2**<br>| **CTIVP BR Gl** <br> **Infl Prot Sec,** <br>**Cl 1**<br>| **CTIVP BR Gl** <br> **Infl Prot Sec,** <br>**Cl 2**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $423099 | $48595 | $26806 | $49330 | $21613 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments | 19 |  |  |  |  |
| Receivable for share redemptions | 206 |  |  |  |  |
| Total assets | 423324 | 48595 | 26806 | 49330 | 21613 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee | 187 |  |  |  |  |
| Contract terminations | 19 |  |  |  |  |
| Payable for investments purchased | 19 |  |  |  |  |
| Total liabilities | 225 |  |  |  |  |
| Net assets applicable to Variable Life contracts in accumulation period | 423099 | 48595 | 26806 | 49330 | 21613 |
| Net assets applicable to seed money |  |  |  |  |  |
| Total net assets | $423099 | $48595 | $26806 | $49330 | $21613 |
| Investment shares | 21261 | 5220 | 2892 | 11237 | 5074 |
| Investments, at cost | $481688 | $50128 | $29571 | $56301 | $25469 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **CTIVP BR Gl** <br> **Infl Prot Sec,** <br>**Cl 3**<br>| **CTIVP** <br> **CenterSquare** <br> **Real Est,** <br>**Cl 1**<br>| **CTIVP** <br> **CenterSquare** <br> **Real Est,** <br>**Cl 2**<br>| **CTIVP Prin Lg** <br> **Cap Gro,** <br>**Cl 1**<br>| **CTIVP Prin Lg** <br> **Cap Gro,** <br>**Cl 2**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $488190 | $89931 | $200111 | $224405 | $120568 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments | 26 |  |  |  |  |
| Receivable for share redemptions | 222 |  |  |  |  |
| Total assets | 488438 | 89931 | 200111 | 224405 | 120568 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee | 207 |  |  |  |  |
| Contract terminations | 15 |  |  |  |  |
| Payable for investments purchased | 26 |  |  |  |  |
| Total liabilities | 248 |  |  |  |  |
| Net assets applicable to Variable Life contracts in accumulation period | 488190 | 89931 | 200111 | 224405 | 120568 |
| Net assets applicable to seed money |  |  |  |  |  |
| Total net assets | $488190 | $89931 | $200111 | $224405 | $120568 |
| Investment shares | 112228 | 14030 | 31563 | 2753 | 1537 |
| Investments, at cost | $587050 | $97929 | $241229 | $159170 | $64980 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**15 ■ RiverSource of New York Account 8**

------

**Statement of Assets and Liabilities**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **CTIVP T Rowe** <br> **Price LgCap** <br> **Val,** <br>**Cl 1**<br>| **CTIVP T Rowe** <br> **Price LgCap** <br> **Val,** <br>**Cl 2**<br>| **CTIVP TCW** <br> **Core Plus** <br> **Bond,** <br>**Cl 1**<br>| **CTIVP TCW** <br> **Core Plus** <br> **Bond,** <br>**Cl 2**<br>| **CTIVP Vty** <br> **Sycamore Estb** <br> **Val,** <br>**Cl 1**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $357572 | $178984 | $92301 | $44777 | $908098 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments |  |  |  |  | 648 |
| Receivable for share redemptions |  |  |  |  |  |
| Total assets | 357572 | 178984 | 92301 | 44777 | 908746 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee |  |  |  |  |  |
| Contract terminations |  |  |  |  |  |
| Payable for investments purchased |  |  |  |  | 648 |
| Total liabilities |  |  |  |  | 648 |
| Net assets applicable to Variable Life contracts in accumulation period | 357572 | 178984 | 92301 | 44777 | 908098 |
| Net assets applicable to seed money |  |  |  |  |  |
| Total net assets | $357572 | $178984 | $92301 | $44777 | $908098 |
| Investment shares | 8099 | 4215 | 9914 | 4836 | 17490 |
| Investments, at cost | $288777 | $115810 | $98924 | $47314 | $787755 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **CTIVP Vty** <br> **Sycamore Estb** <br> **Val,** <br>**Cl 2**<br>| **CTIVP Vty** <br> **Sycamore Estb** <br> **Val,** <br>**Cl 3**<br>| **CTIVP** <br> **Wellington Lg** <br> **Cap Val,** <br>**Cl 1**<br>| **CTIVP** <br> **Wellington Lg** <br> **Cap Val,** <br>**Cl 2**<br>| **CTIVP** <br> **Westfield Mid** <br> **Cap Gro,** <br>**Cl 1**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $481542 | $1372971 | $872765 | $358325 | $160019 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments |  | 135 | 139 |  |  |
| Receivable for share redemptions |  | 639 |  |  |  |
| Total assets | 481542 | 1373745 | 872904 | 358325 | 160019 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee |  | 626 |  |  |  |
| Contract terminations |  | 13 |  |  |  |
| Payable for investments purchased |  | 135 | 139 |  |  |
| Total liabilities |  | 774 | 139 |  |  |
| Net assets applicable to Variable Life contracts in accumulation period | 481542 | 1372971 | 872765 | 358325 | 160019 |
| Net assets applicable to seed money |  |  |  |  |  |
| Total net assets | $481542 | $1372971 | $872765 | $358325 | $160019 |
| Investment shares | 9640 | 26947 | 16953 | 7235 | 2759 |
| Investments, at cost | $322179 | $978907 | $713878 | $217198 | $125228 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 16

------

**Statement of Assets and Liabilities**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **CTIVP** <br> **Westfield Mid** <br> **Cap Gro,** <br>**Cl 2**<br>| **CTIVP** <br> **Westfield Sel** <br> **Lg Cp Gr,** <br>**Cl 1**<br>| **CTIVP** <br> **Westfield Sel** <br> **Lg Cp Gr,** <br>**Cl 2**<br>| **CVT EAFE Intl** <br> **Index,** <br>**Cl F**<br>| **CVT EAFE Intl** <br> **Index,** <br>**Cl I**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $66635 | $269817 | $79179 | $18599 | $484247 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments |  | 347 |  |  |  |
| Receivable for share redemptions |  |  |  |  |  |
| Total assets | 66635 | 270164 | 79179 | 18599 | 484247 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee |  |  |  |  |  |
| Contract terminations |  |  |  |  |  |
| Payable for investments purchased |  | 347 |  |  |  |
| Total liabilities |  | 347 |  |  |  |
| Net assets applicable to Variable Life contracts in accumulation period | 66635 | 269817 | 79179 | 18599 | 484247 |
| Net assets applicable to seed money |  |  |  |  |  |
| Total net assets | $66635 | $269817 | $79179 | $18599 | $484247 |
| Investment shares | 1196 | 3896 | 1190 | 154 | 3953 |
| Investments, at cost | $42494 | $174715 | $56219 | $14582 | $423840 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **CVT Nasdaq** <br> **100 Index,** <br>**Cl F**<br>| **CVT Nasdaq** <br> **100 Index,** <br>**Cl I**<br>| **CVT Russ 2000** <br> **Sm Cap Ind,** <br>**Cl F**<br>| **CVT Russ 2000** <br> **Sm Cap Ind,** <br>**Cl I**<br>| **DWS Alt Asset** <br> **Alloc VIP,** <br>**Cl A**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $99508 | $695300 | $20209 | $263802 | $256748 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments |  | 651 |  | 419 | 41 |
| Receivable for share redemptions |  |  |  |  |  |
| Total assets | 99508 | 695951 | 20209 | 264221 | 256789 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee |  |  |  |  |  |
| Contract terminations |  |  |  |  |  |
| Payable for investments purchased |  | 651 |  | 419 | 41 |
| Total liabilities |  | 651 |  | 419 | 41 |
| Net assets applicable to Variable Life contracts in accumulation period | 99508 | 695300 | 20209 | 263802 | 256748 |
| Net assets applicable to seed money |  |  |  |  |  |
| Total net assets | $99508 | $695300 | $20209 | $263802 | $256748 |
| Investment shares | 519 | 3512 | 227 | 2911 | 18727 |
| Investments, at cost | $78201 | $569695 | $18126 | $250614 | $245793 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**17 ■ RiverSource of New York Account 8**

------

**Statement of Assets and Liabilities**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **DWS Alt Asset** <br> **Alloc VIP,** <br>**Cl B**<br>| **EV VT** <br> **Floating-Rate** <br> **Inc, Init Cl**<br>| **EV VT** <br> **Floating-Rate** <br> **Inc, Inst Cl**<br>| **Fid VIP** <br> **Contrafund,** <br> **Init Cl**<br>| **Fid VIP** <br> **Contrafund,** <br>**Serv Cl 2**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $397697 | $1282291 | $6649 | $3175185 | $9873592 |
| Dividends receivable |  | 6860 | 38 |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments |  | 27 |  | 17405 |  |
| Receivable for share redemptions | 69 | 624 |  |  | 6353 |
| Total assets | 397766 | 1289802 | 6687 | 3192590 | 9879945 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee | 69 | 571 |  |  | 4101 |
| Contract terminations |  | 53 |  |  | 2252 |
| Payable for investments purchased |  | 6887 | 38 | 17405 |  |
| Total liabilities | 69 | 7511 | 38 | 17405 | 6353 |
| Net assets applicable to Variable Life contracts in accumulation period | 397593 | 1282291 | 4391 | 3175185 | 9873592 |
| Net assets applicable to seed money | 104 |  | 2258 |  |  |
| Total net assets | $397697 | $1282291 | $6649 | $3175185 | $9873592 |
| Investment shares | 29029 | 153201 | 794 | 53017 | 173647 |
| Investments, at cost | $379121 | $1353522 | $6862 | $2965959 | $8066510 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **Fid VIP Emer** <br> **Mkts, Init Cl**<br>| **Fid VIP** <br> **Energy, Init Cl**<br>| **Fid VIP Gro &** <br> **Inc,** <br>**Serv Cl**<br>| **Fid VIP Gro &** <br> **Inc,** <br>**Serv Cl 2**<br>| **Fid VIP Gro** <br> **Opp, Init Cl**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $57967 | $2860 | $5968902 | $3026476 | $95427 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments |  |  |  | 15 |  |
| Receivable for share redemptions |  |  | 4425 | 890 |  |
| Total assets | 57967 | 2860 | 5973327 | 3027381 | 95427 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee |  |  | 3436 | 890 |  |
| Contract terminations |  |  | 989 |  |  |
| Payable for investments purchased |  |  |  | 15 |  |
| Total liabilities |  |  | 4425 | 905 |  |
| Net assets applicable to Variable Life contracts in accumulation period | 57967 | 2740 | 5968902 | 3026275 | 95427 |
| Net assets applicable to seed money |  | 120 |  | 201 |  |
| Total net assets | $57967 | $2860 | $5968902 | $3026476 | $95427 |
| Investment shares | 3662 | 105 | 181757 | 94607 | 957 |
| Investments, at cost | $44759 | $2777 | $3867295 | $2513230 | $79026 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 18

------

**Statement of Assets and Liabilities**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **Fid VIP Invest** <br> **Gr, Init Cl**<br>| **Fid VIP Mid** <br> **Cap, Init Cl**<br>| **Fid VIP Mid** <br> **Cap,** <br>**Serv Cl**<br>| **Fid VIP Mid** <br> **Cap,** <br>**Serv Cl 2**<br>| **Fid VIP** <br> **Overseas,** <br>**Serv Cl**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $54591 | $1434670 | $6494276 | $6357968 | $1855538 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments |  | 114 | 67 | 17 |  |
| Receivable for share redemptions |  |  | 4119 | 1834 | 3527 |
| Total assets | 54591 | 1434784 | 6498462 | 6359819 | 1859065 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee |  |  | 3973 | 1834 | 1153 |
| Contract terminations |  |  | 146 |  | 2374 |
| Payable for investments purchased |  | 114 | 67 | 17 |  |
| Total liabilities |  | 114 | 4186 | 1851 | 3527 |
| Net assets applicable to Variable Life contracts in accumulation period | 54591 | 1434670 | 6494276 | 6357764 | 1855538 |
| Net assets applicable to seed money |  |  |  | 204 |  |
| Total net assets | $54591 | $1434670 | $6494276 | $6357968 | $1855538 |
| Investment shares | 4806 | 38248 | 176523 | 180778 | 67919 |
| Investments, at cost | $54695 | $1416796 | $6045689 | $6335476 | $1501644 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **Fid VIP** <br> **Overseas,** <br>**Serv Cl 2**<br>| **Fid VIP** <br> **Strategic Inc,** <br> **Init Cl**<br>| **Fid VIP** <br> **Strategic Inc,** <br>**Serv Cl 2**<br>| **Frank Global** <br> **Real Est,** <br>**Cl 2**<br>| **Frank Inc,** <br>**Cl 1**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $1389477 | $566176 | $67153 | $1845233 | $123519 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments | 25 | 828 |  | 1063 | 29 |
| Receivable for share redemptions | 424 |  |  | 810 |  |
| Total assets | 1389926 | 567004 | 67153 | 1847106 | 123548 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee | 424 |  |  | 773 |  |
| Contract terminations |  |  |  | 37 |  |
| Payable for investments purchased | 25 | 828 |  | 1063 | 29 |
| Total liabilities | 449 | 828 |  | 1873 | 29 |
| Net assets applicable to Variable Life contracts in accumulation period | 1389312 | 566176 | 67153 | 1845233 | 123519 |
| Net assets applicable to seed money | 165 |  |  |  |  |
| Total net assets | $1389477 | $566176 | $67153 | $1845233 | $123519 |
| Investment shares | 51234 | 50416 | 6066 | 141289 | 7710 |
| Investments, at cost | $1272764 | $549597 | $66242 | $1974678 | $118793 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**19 ■ RiverSource of New York Account 8**

------

**Statement of Assets and Liabilities**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **Frank Inc,** <br>**Cl 2**<br>| **Frank Mutual** <br> **Shares,** <br>**Cl 1**<br>| **Frank Mutual** <br> **Shares,** <br>**Cl 2**<br>| **Frank Sm Cap** <br> **Val,** <br>**Cl 1**<br>| **Frank Sm Cap** <br> **Val,** <br>**Cl 2**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $509757 | $38143 | $1957689 | $372990 | $3062522 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments |  |  | 1207 | 389 | 102 |
| Receivable for share redemptions | 241 |  | 701 |  | 1242 |
| Total assets | 509998 | 38143 | 1959597 | 373379 | 3063866 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee | 241 |  | 701 |  | 1242 |
| Contract terminations |  |  |  |  |  |
| Payable for investments purchased |  |  | 1207 | 389 | 102 |
| Total liabilities | 241 |  | 1908 | 389 | 1344 |
| Net assets applicable to Variable Life contracts in accumulation period | 509757 | 38143 | 1957689 | 372990 | 3062522 |
| Net assets applicable to seed money |  |  |  |  |  |
| Total net assets | $509757 | $38143 | $1957689 | $372990 | $3062522 |
| Investment shares | 33625 | 2298 | 121596 | 24966 | 220802 |
| Investments, at cost | $492909 | $36846 | $2068293 | $358742 | $3170762 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **GS VIT Mid** <br> **Cap Val, Inst**<br>| **GS VIT Sm Cap** <br> **Eq Insights,** <br> **Inst**<br>| **GS VIT U.S. Eq** <br> **Insights, Inst**<br>| **Invesco VI Am** <br> **Fran, Ser I**<br>| **Invesco VI Am** <br> **Fran, Ser II**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $6523219 | $436745 | $3309189 | $785636 | $1264210 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments | 3345 |  | 33 |  |  |
| Receivable for share redemptions | 2799 | 248 | 1475 | 481 | 436 |
| Total assets | 6529363 | 436993 | 3310697 | 786117 | 1264646 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee | 2799 | 226 | 1387 | 481 | 436 |
| Contract terminations |  | 22 | 88 |  |  |
| Payable for investments purchased | 3345 |  | 33 |  |  |
| Total liabilities | 6144 | 248 | 1508 | 481 | 436 |
| Net assets applicable to Variable Life contracts in accumulation period | 6523219 | 436745 | 3309189 | 785636 | 1263844 |
| Net assets applicable to seed money |  |  |  |  | 366 |
| Total net assets | $6523219 | $436745 | $3309189 | $785636 | $1264210 |
| Investment shares | 400443 | 30584 | 151867 | 9699 | 17571 |
| Investments, at cost | $6602982 | $394965 | $2982236 | $576062 | $1105024 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 20

------

**Statement of Assets and Liabilities**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **Invesco VI Bal** <br> **Risk Alloc, Ser** <br> **I**<br>| **Invesco VI Bal** <br> **Risk Alloc, Ser** <br> **II**<br>| **Invesco VI** <br> **Comstock, Ser** <br> **II**<br>| **Invesco VI** <br> **Core Eq, Ser I**<br>| **Invesco VI Dis** <br> **Mid Cap** <br> **Gro, Ser I**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $46039 | $318803 | $622451 | $12479703 | $1009742 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments |  |  | 2 |  | 101 |
| Receivable for share redemptions |  | 110 | 332 | 10247 | 474 |
| Total assets | 46039 | 318913 | 622785 | 12489950 | 1010317 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee |  | 110 | 332 | 9806 | 474 |
| Contract terminations |  |  |  | 441 |  |
| Payable for investments purchased |  |  | 2 |  | 101 |
| Total liabilities |  | 110 | 334 | 10247 | 575 |
| Net assets applicable to Variable Life contracts in accumulation period | 46039 | 318691 | 622451 | 12479703 | 1009742 |
| Net assets applicable to seed money |  | 112 |  |  |  |
| Total net assets | $46039 | $318803 | $622451 | $12479703 | $1009742 |
| Investment shares | 5341 | 37953 | 29237 | 346370 | 13426 |
| Investments, at cost | $49174 | $351552 | $561975 | $10165721 | $999497 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **Invesco VI Div** <br> **Divd, Ser I**<br>| **Invesco VI** <br> **EQV Intl** <br> **Eq, Ser II**<br>| **Invesco VI Gbl** <br> **Strat Inc, Ser I**<br>| **Invesco VI Gbl** <br> **Strat Inc, Ser** <br> **II**<br>| **Invesco VI** <br> **Global, Ser I**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $1077103 | $1008624 | $58525 | $1668523 | $780281 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments |  | 19 |  | 4 | 972 |
| Receivable for share redemptions | 515 | 463 |  | 3331 |  |
| Total assets | 1077618 | 1009106 | 58525 | 1671858 | 781253 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee | 485 | 463 |  | 707 |  |
| Contract terminations | 30 |  |  | 2624 |  |
| Payable for investments purchased |  | 19 |  | 4 | 972 |
| Total liabilities | 515 | 482 |  | 3335 | 972 |
| Net assets applicable to Variable Life contracts in accumulation period | 1077103 | 1008624 | 58525 | 1668523 | 780281 |
| Net assets applicable to seed money |  |  |  |  |  |
| Total net assets | $1077103 | $1008624 | $58525 | $1668523 | $780281 |
| Investment shares | 39570 | 28500 | 12806 | 353501 | 20561 |
| Investments, at cost | $991071 | $967058 | $55309 | $1723559 | $785870 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**21 ■ RiverSource of New York Account 8**

------

**Statement of Assets and Liabilities**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **Invesco VI** <br> **Global, Ser II**<br>| **Invesco VI** <br> **Mn St Sm** <br> **Cap, Ser I**<br>| **Invesco VI** <br> **Mn St Sm** <br> **Cap, Ser II**<br>| **Invesco VI** <br> **Tech, Ser I**<br>| **Invesco VI** <br> **Tech, Ser II**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $1901368 | $653384 | $2143675 | $2083951 | $9978 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments |  | 409 | 62 | 13 |  |
| Receivable for share redemptions | 624 |  | 1560 | 842 |  |
| Total assets | 1901992 | 653793 | 2145297 | 2084806 | 9978 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee | 624 |  | 631 | 746 |  |
| Contract terminations |  |  | 929 | 96 |  |
| Payable for investments purchased |  | 409 | 62 | 13 |  |
| Total liabilities | 624 | 409 | 1622 | 855 |  |
| Net assets applicable to Variable Life contracts in accumulation period | 1901073 | 653384 | 2143675 | 2083951 | 9978 |
| Net assets applicable to seed money | 295 |  |  |  |  |
| Total net assets | $1901368 | $653384 | $2143675 | $2083951 | $9978 |
| Investment shares | 52379 | 22894 | 77361 | 81119 | 469 |
| Investments, at cost | $1990226 | $637570 | $1952189 | $1748430 | $7283 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **Janus Hend** <br> **VIT Gbl Tech** <br> **Innov, Srv**<br>| **Janus** <br> **Henderson VIT** <br> **Bal, Inst**<br>| **Janus** <br> **Henderson VIT** <br> **Bal, Serv**<br>| **Janus** <br> **Henderson VIT** <br> **Enter, Serv**<br>| **Janus** <br> **Henderson VIT** <br> **Flex Bd, Inst**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $3196496 | $1353692 | $59526 | $949496 | $568043 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments | 370 |  |  | 28 | 131 |
| Receivable for share redemptions | 1494 |  |  | 450 |  |
| Total assets | 3198360 | 1353692 | 59526 | 949974 | 568174 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee | 1494 |  |  | 450 |  |
| Contract terminations |  |  |  |  |  |
| Payable for investments purchased | 370 |  |  | 28 | 131 |
| Total liabilities | 1864 |  |  | 478 | 131 |
| Net assets applicable to Variable Life contracts in accumulation period | 3196496 | 1353692 | 59526 | 949496 | 568043 |
| Net assets applicable to seed money |  |  |  |  |  |
| Total net assets | $3196496 | $1353692 | $59526 | $949496 | $568043 |
| Investment shares | 133521 | 24234 | 1001 | 12945 | 57205 |
| Investments, at cost | $1896093 | $1120226 | $44100 | $780595 | $572654 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 22

------

**Statement of Assets and Liabilities**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **Janus** <br> **Henderson VIT** <br> **Flex Bd, Serv**<br>| **Janus** <br> **Henderson VIT** <br> **Overseas,** <br> **Serv**<br>| **Janus** <br> **Henderson VIT** <br> **Res, Inst**<br>| **Janus** <br> **Henderson VIT** <br> **Res, Serv**<br>| **Lazard Ret** <br> **Global Dyn** <br> **MA, Inv**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $56919 | $2213371 | $102385 | $892248 | $24208 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments |  |  |  | 25 |  |
| Receivable for share redemptions |  | 1426 |  | 422 |  |
| Total assets | 56919 | 2214797 | 102385 | 892695 | 24208 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee |  | 1109 |  | 422 |  |
| Contract terminations |  | 317 |  |  |  |
| Payable for investments purchased |  |  |  | 25 |  |
| Total liabilities |  | 1426 |  | 447 |  |
| Net assets applicable to Variable Life contracts in accumulation period | 56919 | 2213371 | 102385 | 892248 | 24208 |
| Net assets applicable to seed money |  |  |  |  |  |
| Total net assets | $56919 | $2213371 | $102385 | $892248 | $24208 |
| Investment shares | 5109 | 41746 | 1578 | 14570 | 1662 |
| Investments, at cost | $58073 | $1520884 | $65961 | $598466 | $21091 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **Lazard Ret** <br> **Global Dyn** <br> **MA, Serv**<br>| **Lord Abt Bond** <br> **Debenture,** <br>**Cl VC**<br>| **LVIP AC Intl,** <br>**Serv Cl**<br>| **LVIP AC Intl,** <br> **Std** <br>**Cl II**<br>| **LVIP AC Mid** <br> **Cap Val, Std** <br>**Cl II**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $20881 | $25987 | $759820 | $664294 | $49079 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments |  |  | 24 |  |  |
| Receivable for share redemptions | 9 |  | 240 | 407 |  |
| Total assets | 20890 | 25987 | 760084 | 664701 | 49079 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee | 9 |  | 240 | 382 |  |
| Contract terminations |  |  |  | 25 |  |
| Payable for investments purchased |  |  | 24 |  |  |
| Total liabilities | 9 |  | 264 | 407 |  |
| Net assets applicable to Variable Life contracts in accumulation period | 20481 | 25987 | 759724 | 664294 | 49079 |
| Net assets applicable to seed money | 400 |  | 96 |  |  |
| Total net assets | $20881 | $25987 | $759820 | $664294 | $49079 |
| Investment shares | 1441 | 2449 | 62122 | 54250 | 2537 |
| Investments, at cost | $18789 | $26873 | $691263 | $536193 | $51395 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**23 ■ RiverSource of New York Account 8**

------

**Statement of Assets and Liabilities**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **LVIP AC Val,** <br>**Serv Cl**<br>| **LVIP AC Val,** <br> **Std** <br>**Cl II**<br>| **MFS Gbl Real** <br> **Est, Init Cl**<br>| **MFS Intl Gro,** <br> **Init Cl**<br>| **MFS Mass Inv** <br> **Gro Stock,** <br>**Serv Cl**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $2644989 | $4183696 | $126 | $236435 | $2871756 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments | 34 |  |  |  | 8 |
| Receivable for share redemptions | 794 | 2904 |  |  | 1392 |
| Total assets | 2645817 | 4186600 | 126 | 236435 | 2873156 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee | 794 | 2516 |  |  | 1368 |
| Contract terminations |  | 388 |  |  | 24 |
| Payable for investments purchased | 34 |  |  |  | 8 |
| Total liabilities | 828 | 2904 |  |  | 1400 |
| Net assets applicable to Variable Life contracts in accumulation period | 2644884 | 4183696 | 49 | 236435 | 2871756 |
| Net assets applicable to seed money | 105 |  | 77 |  |  |
| Total net assets | $2644989 | $4183696 | $126 | $236435 | $2871756 |
| Investment shares | 204451 | 323841 | 10 | 13179 | 131310 |
| Investments, at cost | $2372731 | $3216396 | $126 | $221450 | $2739726 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **MFS New Dis,** <br>**Serv Cl**<br>| **MFS Utilities,** <br> **Init Cl**<br>| **MFS Utilities,** <br>**Serv Cl**<br>| **MS VIF Dis,** <br>**Cl I**<br>| **MS VIF Dis,** <br>**Cl II**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $2131136 | $148621 | $1226312 | $687860 | $1438091 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments |  |  | 84 | 1664 | 10 |
| Receivable for share redemptions | 2152 |  | 543 |  | 612 |
| Total assets | 2133288 | 148621 | 1226939 | 689524 | 1438713 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee | 911 |  | 446 |  | 596 |
| Contract terminations | 1241 |  | 97 |  | 16 |
| Payable for investments purchased |  |  | 84 | 1664 | 10 |
| Total liabilities | 2152 |  | 627 | 1664 | 622 |
| Net assets applicable to Variable Life contracts in accumulation period | 2131136 | 148621 | 1226312 | 687860 | 1438091 |
| Net assets applicable to seed money |  |  |  |  |  |
| Total net assets | $2131136 | $148621 | $1226312 | $687860 | $1438091 |
| Investment shares | 176127 | 3939 | 33306 | 94227 | 223653 |
| Investments, at cost | $2459066 | $137701 | $1070409 | $528021 | $1640805 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 24

------

**Statement of Assets and Liabilities**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **NB AMT** <br> **Quality Eq,** <br>**Cl I**<br>| **NB AMT** <br> **Quality Eq,** <br>**Cl S**<br>| **Nom VIP Asset** <br> **Strategy,** <br>**Serv Cl**<br>| **Nom VIP Asset** <br> **Strategy, Std** <br> **Cl**<br>| **Nom VIP Intl** <br> **Core Eq, Std Cl**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $60402 | $88173 | $51758 | $274 | $94 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments |  |  |  |  |  |
| Receivable for share redemptions |  |  | 5 |  |  |
| Total assets | 60402 | 88173 | 51763 | 274 | 94 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee |  |  | 5 |  |  |
| Contract terminations |  |  |  |  |  |
| Payable for investments purchased |  |  |  |  |  |
| Total liabilities |  |  | 5 |  |  |
| Net assets applicable to Variable Life contracts in accumulation period | 60402 | 88173 | 51488 | 175 |  |
| Net assets applicable to seed money |  |  | 270 | 99 | 94 |
| Total net assets | $60402 | $88173 | $51758 | $274 | $94 |
| Investment shares | 1413 | 2059 | 5176 | 27 | 5 |
| Investments, at cost | $47671 | $69872 | $48277 | $258 | $81 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **PIMCO VIT All** <br> **Asset, Advisor** <br> **Cl**<br>| **PIMCO VIT All** <br> **Asset, Inst Cl**<br>| **PIMCO VIT Glb** <br> **Man As Alloc,** <br> **Adv Cl**<br>| **PIMCO VIT Tot** <br> **Return,** <br> **Advisor Cl**<br>| **PIMCO VIT Tot** <br> **Return, Inst Cl**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $621982 | $21010 | $6725 | $871868 | $332149 |
| Dividends receivable |  |  |  | 3010 | 1201 |
| Accounts receivable from RiverSource Life of NY for contract purchase payments | 18 |  |  |  |  |
| Receivable for share redemptions | 280 |  |  | 627 |  |
| Total assets | 622280 | 21010 | 6725 | 875505 | 333350 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee | 280 |  |  | 446 |  |
| Contract terminations |  |  |  | 182 |  |
| Payable for investments purchased | 18 |  |  | 3009 | 1201 |
| Total liabilities | 298 |  |  | 3637 | 1201 |
| Net assets applicable to Variable Life contracts in accumulation period | 621982 | 21010 | 6725 | 869390 | 332149 |
| Net assets applicable to seed money |  |  |  | 2478 |  |
| Total net assets | $621982 | $21010 | $6725 | $871868 | $332149 |
| Investment shares | 63728 | 2153 | 573 | 92261 | 35148 |
| Investments, at cost | $641446 | $20405 | $6450 | $885934 | $329100 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**25 ■ RiverSource of New York Account 8**

------

**Statement of Assets and Liabilities**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **Put VT Global** <br> **Hlth Care,** <br>**Cl IA**<br>| **Put VT Global** <br> **Hlth Care,** <br>**Cl IB**<br>| **Put VT Hi** <br> **Yield,** <br>**Cl IB**<br>| **Put VT Intl Eq,** <br>**Cl IB**<br>| **Put VT Intl Val,** <br>**Cl IA**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $93995 | $1438540 | $273624 | $222030 | $90127 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments |  | 10 |  |  |  |
| Receivable for share redemptions |  | 668 | 227 | 82 |  |
| Total assets | 93995 | 1439218 | 273851 | 222112 | 90127 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee |  | 628 | 172 | 82 |  |
| Contract terminations |  | 40 | 55 |  |  |
| Payable for investments purchased |  | 10 |  |  |  |
| Total liabilities |  | 678 | 227 | 82 |  |
| Net assets applicable to Variable Life contracts in accumulation period | 93995 | 1438540 | 273624 | 222030 | 90127 |
| Net assets applicable to seed money |  |  |  |  |  |
| Total net assets | $93995 | $1438540 | $273624 | $222030 | $90127 |
| Investment shares | 5254 | 85576 | 47670 | 11208 | 5591 |
| Investments, at cost | $88644 | $1342679 | $288069 | $172792 | $75545 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **Put VT Lg Cap** <br> **Val,** <br>**Cl IA**<br>| **Put VT Sus** <br> **Leaders,** <br>**Cl IA**<br>| **Put VT Sus** <br> **Leaders,** <br>**Cl IB**<br>| **Royce Micro-**<br> **Cap, Invest Cl**<br>| **Temp Global** <br> **Bond,** <br>**Cl 1**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $227394 | $14183494 | $217429 | $2072883 | $38233 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments |  |  |  | 856 |  |
| Receivable for share redemptions |  | 11861 | 69 | 1277 |  |
| Total assets | 227394 | 14195355 | 217498 | 2075016 | 38233 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee |  | 11283 | 69 | 1261 |  |
| Contract terminations |  | 578 |  | 16 |  |
| Payable for investments purchased |  |  |  | 856 |  |
| Total liabilities |  | 11861 | 69 | 2133 |  |
| Net assets applicable to Variable Life contracts in accumulation period | 227394 | 14183494 | 217171 | 2072883 | 38233 |
| Net assets applicable to seed money |  |  | 258 |  |  |
| Total net assets | $227394 | $14183494 | $217429 | $2072883 | $38233 |
| Investment shares | 6259 | 291003 | 4696 | 217969 | 2731 |
| Investments, at cost | $189391 | $9644922 | $188936 | $2117170 | $37779 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 26

------

**Statement of Assets and Liabilities**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **Temp Global** <br> **Bond,** <br>**Cl 2**<br>| **Third Ave VST** <br> **Third Ave** <br> **Value**<br>| **VanEck VIP** <br> **Global Gold,** <br>**Cl S**<br>| **VP Aggr,** <br>**Cl 1**<br>| **VP Aggr,** <br>**Cl 2**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $157410 | $2754059 | $498517 | $5327202 | $31188294 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments |  |  |  | 1877 | 1029 |
| Receivable for share redemptions | 49 | 7484 | 192 |  | 5975 |
| Total assets | 157459 | 2761543 | 498709 | 5329079 | 31195298 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee | 49 | 1597 | 192 |  | 5975 |
| Contract terminations |  | 5887 |  |  |  |
| Payable for investments purchased |  |  |  | 1877 | 1029 |
| Total liabilities | 49 | 7484 | 192 | 1877 | 7004 |
| Net assets applicable to Variable Life contracts in accumulation period | 157342 | 2754059 | 498517 | 5327202 | 31188294 |
| Net assets applicable to seed money | 68 |  |  |  |  |
| Total net assets | $157410 | $2754059 | $498517 | $5327202 | $31188294 |
| Investment shares | 11952 | 109986 | 20481 | 140190 | 833243 |
| Investments, at cost | $165795 | $1975845 | $212036 | $4269547 | $18850938 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **VP Aggr,** <br>**Cl 4**<br>| **VP Conserv,** <br>**Cl 1**<br>| **VP Conserv,** <br>**Cl 2**<br>| **VP Conserv,** <br>**Cl 4**<br>| **VP Man Vol** <br> **Conserv Gro,** <br>**Cl 1**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $28239661 | $26 | $628602 | $583374 | $67944 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments | 235 |  |  |  |  |
| Receivable for share redemptions | 11584 |  | 274 | 246 |  |
| Total assets | 28251480 | 26 | 628876 | 583620 | 67944 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee | 11584 |  | 255 | 246 |  |
| Contract terminations |  |  | 19 |  |  |
| Payable for investments purchased | 235 |  |  |  |  |
| Total liabilities | 11819 |  | 274 | 246 |  |
| Net assets applicable to Variable Life contracts in accumulation period | 28239661 |  | 628486 | 583278 | 67944 |
| Net assets applicable to seed money |  | 26 | 116 | 96 |  |
| Total net assets | $28239661 | $26 | $628602 | $583374 | $67944 |
| Investment shares | 753259 | 1 | 35514 | 32959 | 3994 |
| Investments, at cost | $16239658 | $20 | $554631 | $486774 | $61295 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**27 ■ RiverSource of New York Account 8**

------

**Statement of Assets and Liabilities**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **VP Man Vol** <br> **Conserv Gro,** <br>**Cl 2**<br>| **VP Man Vol** <br> **Conserv,** <br>**Cl 1**<br>| **VP Man Vol** <br> **Conserv,** <br>**Cl 2**<br>| **VP Man Vol** <br> **Gro,** <br>**Cl 1**<br>| **VP Man Vol** <br> **Gro,** <br>**Cl 2**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $378455 | $3969 | $383602 | $2405149 | $2880397 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments |  |  |  |  |  |
| Receivable for share redemptions | 87 |  | 434 |  | 771 |
| Total assets | 378542 | 3969 | 384036 | 2405149 | 2881168 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee | 87 |  | 174 |  | 771 |
| Contract terminations |  |  | 260 |  |  |
| Payable for investments purchased |  |  |  |  |  |
| Total liabilities | 87 |  | 434 |  | 771 |
| Net assets applicable to Variable Life contracts in accumulation period | 378425 | 3944 | 383519 | 2405149 | 2880360 |
| Net assets applicable to seed money | 30 | 25 | 83 |  | 37 |
| Total net assets | $378455 | $3969 | $383602 | $2405149 | $2880397 |
| Investment shares | 22621 | 269 | 26419 | 107229 | 130335 |
| Investments, at cost | $330989 | $3564 | $368505 | $1938231 | $1885981 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **VP Man Vol** <br> **Mod Gro,** <br>**Cl 1**<br>| **VP Man Vol** <br> **Mod Gro,** <br>**Cl 2**<br>| **VP Mod Aggr,** <br>**Cl 1**<br>| **VP Mod Aggr,** <br>**Cl 2**<br>| **VP Mod Aggr,** <br>**Cl 4**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $1371617 | $2391814 | $17841740 | $47982947 | $63499168 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments |  |  | 3592 | 19094 |  |
| Receivable for share redemptions |  | 635 |  | 109229 | 26865 |
| Total assets | 1371617 | 2392449 | 17845332 | 48111270 | 63526033 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee |  | 635 |  | 15126 | 25851 |
| Contract terminations |  |  |  | 94103 | 1014 |
| Payable for investments purchased |  |  | 3592 | 19094 |  |
| Total liabilities |  | 635 | 3592 | 128323 | 26865 |
| Net assets applicable to Variable Life contracts in accumulation period | 1371617 | 2391780 | 17841740 | 47982947 | 63499168 |
| Net assets applicable to seed money |  | 34 |  |  |  |
| Total net assets | $1371617 | $2391814 | $17841740 | $47982947 | $63499168 |
| Investment shares | 63915 | 113195 | 557032 | 1521819 | 2011377 |
| Investments, at cost | $1166414 | $1822044 | $14259045 | $30648741 | $37253696 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 28

------

**Statement of Assets and Liabilities**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **VP Mod** <br> **Conserv,** <br>**Cl 1**<br>| **VP Mod** <br> **Conserv,** <br>**Cl 2**<br>| **VP Mod** <br> **Conserv,** <br>**Cl 4**<br>| **VP Mod,** <br>**Cl 1**<br>| **VP Mod,** <br>**Cl 2**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $857 | $2605804 | $2951280 | $7000185 | $29451534 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments |  | 170 |  | 1766 | 176 |
| Receivable for share redemptions |  | 924 | 1136 |  | 12338 |
| Total assets | 857 | 2606898 | 2952416 | 7001951 | 29464048 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee |  | 924 | 1136 |  | 11992 |
| Contract terminations |  |  |  |  | 346 |
| Payable for investments purchased |  | 170 |  | 1766 | 176 |
| Total liabilities |  | 1094 | 1136 | 1766 | 12514 |
| Net assets applicable to Variable Life contracts in accumulation period | 857 | 2605701 | 2951280 | 7000185 | 29451534 |
| Net assets applicable to seed money |  | 103 |  |  |  |
| Total net assets | $857 | $2605804 | $2951280 | $7000185 | $29451534 |
| Investment shares | 39 | 120695 | 136444 | 259651 | 1109704 |
| Investments, at cost | $664 | $2127403 | $2246442 | $5864230 | $20292349 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **VP Mod,** <br>**Cl 4**<br>| **VP Ptnrs Core** <br> **Bond,** <br>**Cl 1**<br>| **VP Ptnrs Core** <br> **Bond,** <br>**Cl 2**<br>| **VP Ptnrs Core** <br> **Eq,** <br>**Cl 1**<br>| **VP Ptnrs Core** <br> **Eq,** <br>**Cl 2**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $35843400 | $38118 | $25383 | $8063 | $43880 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments | 290 |  |  |  |  |
| Receivable for share redemptions | 15500 |  |  |  |  |
| Total assets | 35859190 | 38118 | 25383 | 8063 | 43880 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee | 15071 |  |  |  |  |
| Contract terminations | 429 |  |  |  |  |
| Payable for investments purchased | 290 |  |  |  |  |
| Total liabilities | 15790 |  |  |  |  |
| Net assets applicable to Variable Life contracts in accumulation period | 35843400 | 38118 | 25383 | 8063 | 43880 |
| Net assets applicable to seed money |  |  |  |  |  |
| Total net assets | $35843400 | $38118 | $25383 | $8063 | $43880 |
| Investment shares | 1349018 | 3906 | 2617 | 155 | 874 |
| Investments, at cost | $22977217 | $38286 | $25506 | $7060 | $29090 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**29 ■ RiverSource of New York Account 8**

------

**Statement of Assets and Liabilities**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **VP Ptnrs Core** <br> **Eq,** <br>**Cl 3**<br>| **VP Ptnrs Intl** <br> **Core Eq,** <br>**Cl 1**<br>| **VP Ptnrs Intl** <br> **Core Eq,** <br>**Cl 2**<br>| **VP Ptnrs Intl** <br> **Gro,** <br>**Cl 1**<br>| **VP Ptnrs Intl** <br> **Gro,** <br>**Cl 2**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $511016 | $431661 | $73163 | $267497 | $231802 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments | 108 | 82 |  |  |  |
| Receivable for share redemptions | 230 |  |  |  |  |
| Total assets | 511354 | 431743 | 73163 | 267497 | 231802 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee | 230 |  |  |  |  |
| Contract terminations |  |  |  |  |  |
| Payable for investments purchased | 108 | 82 |  |  |  |
| Total liabilities | 338 | 82 |  |  |  |
| Net assets applicable to Variable Life contracts in accumulation period | 510784 | 431661 | 73163 | 267497 | 231802 |
| Net assets applicable to seed money | 232 |  |  |  |  |
| Total net assets | $511016 | $431661 | $73163 | $267497 | $231802 |
| Investment shares | 9993 | 34313 | 5886 | 20451 | 17941 |
| Investments, at cost | $252207 | $385469 | $60450 | $232326 | $210091 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **VP Ptnrs Intl** <br> **Val,** <br>**Cl 1**<br>| **VP Ptnrs Intl** <br> **Val,** <br>**Cl 2**<br>| **VP Ptnrs Sm** <br> **Cap Gro,** <br>**Cl 1**<br>| **VP Ptnrs Sm** <br> **Cap Gro,** <br>**Cl 2**<br>| **VP Ptnrs Sm** <br> **Cap Val,** <br>**Cl 1**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $75223 | $83192 | $73546 | $24838 | $4388 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments |  |  |  |  |  |
| Receivable for share redemptions |  |  |  |  |  |
| Total assets | 75223 | 83192 | 73546 | 24838 | 4388 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee |  |  |  |  |  |
| Contract terminations |  |  |  |  |  |
| Payable for investments purchased |  |  |  |  |  |
| Total liabilities |  |  |  |  |  |
| Net assets applicable to Variable Life contracts in accumulation period | 75223 | 83192 | 73546 | 24838 | 4388 |
| Net assets applicable to seed money |  |  |  |  |  |
| Total net assets | $75223 | $83192 | $73546 | $24838 | $4388 |
| Investment shares | 5630 | 6264 | 1968 | 691 | 104 |
| Investments, at cost | $55407 | $61002 | $58928 | $18897 | $3871 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 30

------

**Statement of Assets and Liabilities**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **December 31, 2025 (continued)** | **VP Ptnrs Sm** <br> **Cap Val,** <br>**Cl 2**<br>| **VP Ptnrs Sm** <br> **Cap Val,** <br>**Cl 3**<br>| **VP US Flex** <br> **Conserv Gro,** <br>**Cl 1**<br>| **VP US Flex** <br> **Gro,** <br>**Cl 1**<br>| **VP US Flex** <br> **Mod Gro,** <br>**Cl 1**<br>|
| **Assets** |  |  |  |  |  |
| Investments, at fair value | $7200 | $689516 | $10418 | $313712 | $131359 |
| Dividends receivable |  |  |  |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments |  | 7 |  | 672 |  |
| Receivable for share redemptions |  | 256 |  |  |  |
| Total assets | 7200 | 689779 | 10418 | 314384 | 131359 |
| **Liabilities** |  |  |  |  |  |
| Payable to RiverSource Life of NY for: |  |  |  |  |  |
| Mortality and expense risk fee |  | 256 |  |  |  |
| Contract terminations |  |  |  |  |  |
| Payable for investments purchased |  | 7 |  | 672 |  |
| Total liabilities |  | 263 |  | 672 |  |
| Net assets applicable to Variable Life contracts in accumulation period | 7200 | 689516 | 10418 | 313712 | 131359 |
| Net assets applicable to seed money |  |  |  |  |  |
| Total net assets | $7200 | $689516 | $10418 | $313712 | $131359 |
| Investment shares | 177 | 16675 | 645 | 14564 | 7013 |
| Investments, at cost | $5136 | $532266 | $8802 | $246593 | $118026 |

---

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

---

| | | |
|:---|:---|:---|
| **December 31, 2025 (continued)** | **WA Var Global** <br> **Hi Yd Bond,** <br>**Cl I**<br>| **WA Var Global** <br> **Hi Yd Bond,** <br>**Cl II**<br>|
| **Assets** |  |  |
| Investments, at fair value | $30293 | $7541 |
| Dividends receivable |  |  |
| Accounts receivable from RiverSource Life of NY for contract purchase payments | 461 |  |
| Receivable for share redemptions |  |  |
| Total assets | 30754 | 7541 |
| **Liabilities** |  |  |
| Payable to RiverSource Life of NY for: |  |  |
| Mortality and expense risk fee |  |  |
| Contract terminations |  |  |
| Payable for investments purchased | 461 |  |
| Total liabilities | 461 |  |
| Net assets applicable to Variable Life contracts in accumulation period | 30293 | 7541 |
| Net assets applicable to seed money |  |  |
| Total net assets | $30293 | $7541 |
| Investment shares | 4886 | 1162 |
| Investments, at cost | $31119 | $8126 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**31 ■ RiverSource of New York Account 8**

------

**Statement of Operations**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025** | **AB VPS Dyn** <br> **Asset Alloc,** <br>**Cl B**<br>| **AB VPS Intl** <br> **Val,** <br>**Cl B**<br>| **AB VPS Lg** <br> **Cap Gro,** <br>**Cl A**<br>| **AB VPS Lg** <br> **Cap Gro,** <br>**Cl B**<br>| **AB VPS** <br> **Relative Val,** <br>**Cl B**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $9 | $74053 | $— | $— | $23502 |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses | 1 | 13695 |  | 12123 | 11042 |
| Investment income (loss) — net | 8 | 60358 |  | (12123) | 12460 |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 2 | 892373 | 70211 | 691844 | 456420 |
| Cost of investments sold | 2 | 707078 | 62522 | 572039 | 428914 |
| Net realized gain (loss) on sales of investments |  | 185295 | 7689 | 119805 | 27506 |
| Distributions from capital gains |  |  | 107630 | 351576 | 219459 |
| Net change in unrealized appreciation (depreciation) of investments | 61 | 790758 | 38288 | (36111) | (12702) |
| Net gain (loss) on investments | 61 | 976053 | 153607 | 435270 | 234263 |
| Net increase (decrease) in net assets resulting from operations | $69 | $1036411 | $153607 | $423147 | $246723 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Allspg VT** <br> **Index Asset** <br> **Alloc,** <br>**Cl 2**<br>| **Allspg VT Opp,** <br>**Cl 1**<br>| **Allspg VT Opp,** <br>**Cl 2**<br>| **Allspg VT Sm** <br> **Cap Gro,** <br>**Cl 1**<br>| **Allspg VT Sm** <br> **Cap Gro,** <br>**Cl 2**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $7668 | $75 | $701 | $— | $— |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses | 2210 |  | 4541 |  | 4181 |
| Investment income (loss) — net | 5458 | 75 | (3840) |  | (4181) |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 44490 | 2578 | 266571 | 14617 | 305601 |
| Cost of investments sold | 44389 | 2533 | 264575 | 14069 | 325122 |
| Net realized gain (loss) on sales of investments | 101 | 45 | 1996 | 548 | (19521) |
| Distributions from capital gains | 52145 | 2585 | 141165 | 24176 | 85817 |
| Net change in unrealized appreciation (depreciation) of investments | 7285 | (933) | (56294) | 18007 | 60606 |
| Net gain (loss) on investments | 59531 | 1697 | 86867 | 42731 | 126902 |
| Net increase (decrease) in net assets resulting from operations | $64989 | $1772 | $83027 | $42731 | $122721 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 32

------

**Statement of Operations**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **ALPS Alerian** <br> **Engy Infr,** <br> **Class I**<br>| **ALPS Alerian** <br> **Engy Infr,** <br> **Class III**<br>| **BlackRock** <br> **Global Alloc,** <br>**Cl I**<br>| **BlackRock** <br> **Global Alloc,** <br>**Cl III**<br>| **Calvert VP SRI** <br> **Bal,** <br>**Cl I**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $4893 | $25208 | $12303 | $24370 | $46819 |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses |  | 2943 |  | 2644 | 13511 |
| Investment income (loss) — net | 4893 | 22265 | 12303 | 21726 | 33308 |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 39411 | 88922 | 53781 | 88713 | 130792 |
| Cost of investments sold | 32960 | 73905 | 50640 | 94452 | 113936 |
| Net realized gain (loss) on sales of investments | 6451 | 15017 | 3141 | (5739) | 16856 |
| Distributions from capital gains | 11591 | 64343 | 28293 | 59409 | 153580 |
| Net change in unrealized appreciation (depreciation) of investments | (18088) | (80480) | 17354 | 24051 | 86265 |
| Net gain (loss) on investments | (46) | (1120) | 48788 | 77721 | 256701 |
| Net increase (decrease) in net assets resulting from operations | $4847 | $21145 | $61091 | $99447 | $290009 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Col VP Acorn** | **Col VP Acorn** <br> **Intl**<br>| **Col VP Bal,** <br>**Cl 1**<br>| **Col VP Bal,** <br>**Cl 3**<br>| **Col VP** <br> **Commodity** <br> **Strategy,** <br>**Cl 1**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $— | $50935 | $— | $— | $7000 |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses | 27898 | 19818 |  | 144618 |  |
| Investment income (loss) — net | (27898) | 31117 |  | (144618) | 7000 |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 1094905 | 707198 | 426918 | 1565430 | 5594 |
| Cost of investments sold | 1394603 | 845428 | 381467 | 646492 | 6348 |
| Net realized gain (loss) on sales of investments | (299698) | (138230) | 45451 | 918938 | (754) |
| Distributions from capital gains |  | 19526 |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 555721 | 536360 | 371163 | 1613230 | 6130 |
| Net gain (loss) on investments | 256023 | 417656 | 416614 | 2532168 | 5376 |
| Net increase (decrease) in net assets resulting from operations | $228125 | $448773 | $416614 | $2387550 | $12376 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**33 ■ RiverSource of New York Account 8**

------

**Statement of Operations**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Col VP** <br> **Commodity** <br> **Strategy,** <br>**Cl 2**<br>| **Col VP** <br> **Contrarian** <br> **Core,** <br>**Cl 1**<br>| **Col VP** <br> **Contrarian** <br> **Core,** <br>**Cl 2**<br>| **Col VP** <br> **Corporate** <br> **Bond,** <br>**Cl 1**<br>| **Col VP** <br> **Corporate** <br> **Bond,** <br>**Cl 2**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $3502 | $— | $— | $599 | $6420 |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses |  |  |  |  |  |
| Investment income (loss) — net | 3502 |  |  | 599 | 6420 |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 6169 | 40275 | 3240 | 2093 | 6841 |
| Cost of investments sold | 7101 | 28788 | 2047 | 2088 | 7580 |
| Net realized gain (loss) on sales of investments | (932) | 11487 | 1193 | 5 | (739) |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 3580 | 80282 | 65602 | 340 | 1420 |
| Net gain (loss) on investments | 2648 | 91769 | 66795 | 345 | 681 |
| Net increase (decrease) in net assets resulting from operations | $6150 | $91769 | $66795 | $944 | $7101 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Col VP** <br> **Corporate** <br> **Bond,** <br>**Cl 3**<br>| **Col VP** <br> **Disciplined** <br> **Core,** <br>**Cl 1**<br>| **Col VP** <br> **Disciplined** <br> **Core,** <br>**Cl 2**<br>| **Col VP** <br> **Disciplined** <br> **Core,** <br>**Cl 3**<br>| **Col VP Divd** <br> **Opp,** <br>**Cl 1**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $77750 | $— | $— | $— | $— |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses | 5897 |  |  | 265316 |  |
| Investment income (loss) — net | 71853 |  |  | (265316) |  |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 383951 | 11862 | 77276 | 3647662 | 25928 |
| Cost of investments sold | 435749 | 9275 | 36592 | 913130 | 23145 |
| Net realized gain (loss) on sales of investments | (51798) | 2587 | 40684 | 2734532 | 2783 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 61386 | 45750 | 28462 | 1673504 | 100552 |
| Net gain (loss) on investments | 9588 | 48337 | 69146 | 4408036 | 103335 |
| Net increase (decrease) in net assets resulting from operations | $81441 | $48337 | $69146 | $4142720 | $103335 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 34

------

**Statement of Operations**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Col VP Divd** <br> **Opp,** <br>**Cl 2**<br>| **Col VP Divd** <br> **Opp,** <br>**Cl 3**<br>| **Col VP Emer** <br> **Mkts,** <br>**Cl 1**<br>| **Col VP Emer** <br> **Mkts,** <br>**Cl 2**<br>| **Col VP Emer** <br> **Mkts,** <br>**Cl 3**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $— | $— | $839 | $265 | $3486 |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses |  | 71195 |  |  | 11135 |
| Investment income (loss) — net |  | (71195) | 839 | 265 | (7649) |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 8373 | 2728127 | 12362 | 35602 | 322913 |
| Cost of investments sold | 6224 | 1335347 | 12860 | 40825 | 382462 |
| Net realized gain (loss) on sales of investments | 2149 | 1392780 | (498) | (5223) | (59549) |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 50217 | 545711 | 87484 | 121485 | 624796 |
| Net gain (loss) on investments | 52366 | 1938491 | 86986 | 116262 | 565247 |
| Net increase (decrease) in net assets resulting from operations | $52366 | $1867296 | $87825 | $116527 | $557598 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Col VP Emerg** <br> **Mkts Bond,** <br>**Cl 1**<br>| **Col VP Emerg** <br> **Mkts Bond,** <br>**Cl 2**<br>| **Col VP Govt** <br> **Money Mkt,** <br>**Cl 1**<br>| **Col VP Govt** <br> **Money Mkt,** <br>**Cl 2**<br>| **Col VP Govt** <br> **Money Mkt,** <br>**Cl 3**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $2575 | $922 | $20858 | $18394 | $141733 |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses |  |  |  |  | 19550 |
| Investment income (loss) — net | 2575 | 922 | 20858 | 18394 | 122183 |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 4247 | 343 | 142808 | 64534 | 873994 |
| Cost of investments sold | 4060 | 380 | 142808 | 64534 | 873993 |
| Net realized gain (loss) on sales of investments | 187 | (37) |  |  | 1 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 2981 | 1260 | (1) | (1) |  |
| Net gain (loss) on investments | 3168 | 1223 | (1) | (1) | 1 |
| Net increase (decrease) in net assets resulting from operations | $5743 | $2145 | $20857 | $18393 | $122184 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**35 ■ RiverSource of New York Account 8**

------

**Statement of Operations**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Col VP Hi** <br> **Yield Bond,** <br>**Cl 1**<br>| **Col VP Hi** <br> **Yield Bond,** <br>**Cl 2**<br>| **Col VP Hi** <br> **Yield Bond,** <br>**Cl 3**<br>| **Col VP Inc** <br> **Opp,** <br>**Cl 1**<br>| **Col VP Inc** <br> **Opp,** <br>**Cl 2**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $19282 | $23204 | $163468 | $537 | $1612 |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses |  |  | 14088 |  |  |
| Investment income (loss) — net | 19282 | 23204 | 149380 | 537 | 1612 |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 47365 | 27313 | 523776 | 4425 | 16374 |
| Cost of investments sold | 46576 | 28120 | 546953 | 4529 | 16304 |
| Net realized gain (loss) on sales of investments | 789 | (807) | (23177) | (104) | 70 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 7164 | 9555 | 81493 | 1997 | 5653 |
| Net gain (loss) on investments | 7953 | 8748 | 58316 | 1893 | 5723 |
| Net increase (decrease) in net assets resulting from operations | $27235 | $31952 | $207696 | $2430 | $7335 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Col VP Inc** <br> **Opp,** <br>**Cl 3**<br>| **Col VP Inter** <br> **Bond,** <br>**Cl 1**<br>| **Col VP Inter** <br> **Bond,** <br>**Cl 2**<br>| **Col VP Inter** <br> **Bond,** <br>**Cl 3**<br>| **Col VP Lg Cap** <br> **Gro,** <br>**Cl 1**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $22984 | $10593 | $5540 | $306097 | $— |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses | 6294 |  |  | 33082 |  |
| Investment income (loss) — net | 16690 | 10593 | 5540 | 273015 |  |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 191337 | 76786 | 22966 | 1179613 | 146042 |
| Cost of investments sold | 209907 | 80123 | 23920 | 1358140 | 116351 |
| Net realized gain (loss) on sales of investments | (18570) | (3337) | (954) | (178527) | 29691 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 96647 | 7456 | 3374 | 369609 | 548288 |
| Net gain (loss) on investments | 78077 | 4119 | 2420 | 191082 | 577979 |
| Net increase (decrease) in net assets resulting from operations | $94767 | $14712 | $7960 | $464097 | $577979 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 36

------

**Statement of Operations**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Col VP Lg Cap** <br> **Gro,** <br>**Cl 2**<br>| **Col VP Lg Cap** <br> **Gro,** <br>**Cl 3**<br>| **Col VP Lg Cap** <br> **Index,** <br>**Cl 1**<br>| **Col VP Lg Cap** <br> **Index,** <br>**Cl 3**<br>| **Col VP Limited** <br> **Duration Cr,** <br>**Cl 1**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $— | $— | $— | $— | $6076 |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses |  | 20826 |  | 78606 |  |
| Investment income (loss) — net |  | (20826) |  | (78606) | 6076 |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 42667 | 524950 | 189642 | 2768901 | 5566 |
| Cost of investments sold | 24005 | 233658 | 137467 | 1505169 | 5509 |
| Net realized gain (loss) on sales of investments | 18662 | 291292 | 52175 | 1263732 | 57 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 78056 | 287518 | 1648823 | 1558802 | (1700) |
| Net gain (loss) on investments | 96718 | 578810 | 1700998 | 2822534 | (1643) |
| Net increase (decrease) in net assets resulting from operations | $96718 | $557984 | $1700998 | $2743928 | $4433 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Col VP Limited** <br> **Duration Cr,** <br>**Cl 2**<br>| **Col VP Long** <br> **Govt/Cr Bond,** <br>**Cl 1**<br>| **Col VP Long** <br> **Govt/Cr Bond,** <br>**Cl 2**<br>| **Col VP** <br> **Overseas** <br> **Core,** <br>**Cl 1**<br>| **Col VP** <br> **Overseas** <br> **Core,** <br>**Cl 2**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $56018 | $3303 | $70 | $12543 | $3665 |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses | 4496 |  |  |  |  |
| Investment income (loss) — net | 51522 | 3303 | 70 | 12543 | 3665 |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 130869 | 12246 | 469 | 26685 | 36264 |
| Cost of investments sold | 130119 | 13542 | 625 | 24166 | 32610 |
| Net realized gain (loss) on sales of investments | 750 | (1296) | (156) | 2519 | 3654 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | (3481) | (337) | 143 | 216546 | 61416 |
| Net gain (loss) on investments | (2731) | (1633) | (13) | 219065 | 65070 |
| Net increase (decrease) in net assets resulting from operations | $48791 | $1670 | $57 | $231608 | $68735 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**37 ■ RiverSource of New York Account 8**

------

**Statement of Operations**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Col VP** <br> **Overseas** <br> **Core,** <br>**Cl 3**<br>| **Col VP Sel Gbl** <br> **Tech,** <br>**Cl 1**<br>| **Col VP Sel Gbl** <br> **Tech,** <br>**Cl 2**<br>| **Col VP Select** <br> **Lg Cap Val,** <br>**Cl 1**<br>| **Col VP Select** <br> **Lg Cap Val,** <br>**Cl 2**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $97962 | $— | $— | $— | $— |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses | 45663 |  |  |  |  |
| Investment income (loss) — net | 52299 |  |  |  |  |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 723660 | 66016 | 469 | 140360 | 15824 |
| Cost of investments sold | 551100 | 54641 | 389 | 119628 | 11027 |
| Net realized gain (loss) on sales of investments | 172560 | 11375 | 80 | 20732 | 4797 |
| Distributions from capital gains |  | 43289 | 16586 |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 1480929 | 91265 | 35803 | 272192 | 52636 |
| Net gain (loss) on investments | 1653489 | 145929 | 52469 | 292924 | 57433 |
| Net increase (decrease) in net assets resulting from operations | $1705788 | $145929 | $52469 | $292924 | $57433 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Col VP Select** <br> **Lg Cap Val,** <br>**Cl 3**<br>| **Col VP Select** <br> **Mid Cap Gro,** <br>**Cl 1**<br>| **Col VP Select** <br> **Mid Cap Gro,** <br>**Cl 2**<br>| **Col VP Select** <br> **Mid Cap Gro,** <br>**Cl 3**<br>| **Col VP Select** <br> **Mid Cap Val,** <br>**Cl 1**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $— | $— | $— | $— | $— |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses | 3922 |  |  | 6293 |  |
| Investment income (loss) — net | (3922) |  |  | (6293) |  |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 287380 | 9102 | 26329 | 325525 | 9728 |
| Cost of investments sold | 187979 | 6380 | 14656 | 190406 | 7934 |
| Net realized gain (loss) on sales of investments | 99401 | 2722 | 11673 | 135119 | 1794 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 113140 | 84765 | 11042 | 45290 | 72895 |
| Net gain (loss) on investments | 212541 | 87487 | 22715 | 180409 | 74689 |
| Net increase (decrease) in net assets resulting from operations | $208619 | $87487 | $22715 | $174116 | $74689 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 38

------

**Statement of Operations**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Col VP Select** <br> **Mid Cap Val,** <br>**Cl 2**<br>| **Col VP Select** <br> **Mid Cap Val,** <br>**Cl 3**<br>| **Col VP Select** <br> **Sm Cap Val,** <br>**Cl 1**<br>| **Col VP Select** <br> **Sm Cap Val,** <br>**Cl 2**<br>| **Col VP Select** <br> **Sm Cap Val,** <br>**Cl 3**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $— | $— | $— | $— | $— |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses |  | 4047 |  |  | 5742 |
| Investment income (loss) — net |  | (4047) |  |  | (5742) |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 10119 | 260270 | 10745 | 4029 | 338922 |
| Cost of investments sold | 6306 | 153263 | 9248 | 2920 | 208143 |
| Net realized gain (loss) on sales of investments | 3813 | 107007 | 1497 | 1109 | 130779 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 21491 | 31429 | 14277 | 11046 | (68239) |
| Net gain (loss) on investments | 25304 | 138436 | 15774 | 12155 | 62540 |
| Net increase (decrease) in net assets resulting from operations | $25304 | $134389 | $15774 | $12155 | $56798 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Col VP** <br> **Strategic Inc,** <br>**Cl 1**<br>| **Col VP** <br> **Strategic Inc,** <br>**Cl 2**<br>| **Col VP US** <br> **Govt Mtge,** <br>**Cl 1**<br>| **Col VP US** <br> **Govt Mtge,** <br>**Cl 2**<br>| **Col VP US** <br> **Govt Mtge,** <br>**Cl 3**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $10960 | $13313 | $585 | $305 | $25614 |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses |  |  |  |  | 6772 |
| Investment income (loss) — net | 10960 | 13313 | 585 | 305 | 18842 |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 22740 | 150868 | 1871 | 5734 | 317159 |
| Cost of investments sold | 22960 | 149483 | 1900 | 5935 | 344801 |
| Net realized gain (loss) on sales of investments | (220) | 1385 | (29) | (201) | (27642) |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 5128 | 6478 | 1604 | 1330 | 106656 |
| Net gain (loss) on investments | 4908 | 7863 | 1575 | 1129 | 79014 |
| Net increase (decrease) in net assets resulting from operations | $15868 | $21176 | $2160 | $1434 | $97856 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**39 ■ RiverSource of New York Account 8**

------

**Statement of Operations**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **CS Commodity** <br> **Return,** <br>**Cl 1**<br>| **CTIVP AC Div** <br> **Bond,** <br>**Cl 1**<br>| **CTIVP AC Div** <br> **Bond,** <br>**Cl 2**<br>| **CTIVP BR Gl** <br> **Infl Prot Sec,** <br>**Cl 1**<br>| **CTIVP BR Gl** <br> **Infl Prot Sec,** <br>**Cl 2**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $16080 | $1459 | $773 | $1883 | $707 |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses | 1963 |  |  |  |  |
| Investment income (loss) — net | 14117 | 1459 | 773 | 1883 | 707 |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 53292 | 5422 | 1121 | 12280 | 129 |
| Cost of investments sold | 61611 | 5735 | 1261 | 14271 | 154 |
| Net realized gain (loss) on sales of investments | (8319) | (313) | (140) | (1991) | (25) |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 48528 | 1899 | 1175 | 2165 | 68 |
| Net gain (loss) on investments | 40209 | 1586 | 1035 | 174 | 43 |
| Net increase (decrease) in net assets resulting from operations | $54326 | $3045 | $1808 | $2057 | $750 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **CTIVP BR Gl** <br> **Infl Prot Sec,** <br>**Cl 3**<br>| **CTIVP** <br> **CenterSquare** <br> **Real Est,** <br>**Cl 1**<br>| **CTIVP** <br> **CenterSquare** <br> **Real Est,** <br>**Cl 2**<br>| **CTIVP Prin Lg** <br> **Cap Gro,** <br>**Cl 1**<br>| **CTIVP Prin Lg** <br> **Cap Gro,** <br>**Cl 2**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $17513 | $2445 | $5365 | $— | $— |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses | 2397 |  |  |  |  |
| Investment income (loss) — net | 15116 | 2445 | 5365 |  |  |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 113436 | 3751 | 21649 | 6609 | 13477 |
| Cost of investments sold | 144360 | 4012 | 25677 | 5064 | 8394 |
| Net realized gain (loss) on sales of investments | (30924) | (261) | (4028) | 1545 | 5083 |
| Distributions from capital gains |  | 4446 | 10651 |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 32565 | (4734) | (7746) | 24164 | 8434 |
| Net gain (loss) on investments | 1641 | (549) | (1123) | 25709 | 13517 |
| Net increase (decrease) in net assets resulting from operations | $16757 | $1896 | $4242 | $25709 | $13517 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 40

------

**Statement of Operations**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **CTIVP T Rowe** <br> **Price LgCap** <br> **Val,** <br>**Cl 1**<br>| **CTIVP T Rowe** <br> **Price LgCap** <br> **Val,** <br>**Cl 2**<br>| **CTIVP TCW** <br> **Core Plus** <br> **Bond,** <br>**Cl 1**<br>| **CTIVP TCW** <br> **Core Plus** <br> **Bond,** <br>**Cl 2**<br>| **CTIVP Vty** <br> **Sycamore Estb** <br> **Val,** <br>**Cl 1**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $— | $— | $4102 | $1975 | $— |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses |  |  |  |  |  |
| Investment income (loss) — net |  |  | 4102 | 1975 |  |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 31173 | 4169 | 3788 | 995 | 63126 |
| Cost of investments sold | 26119 | 2820 | 4099 | 1060 | 53855 |
| Net realized gain (loss) on sales of investments | 5054 | 1349 | (311) | (65) | 9271 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 31402 | 17676 | 2478 | 1111 | 11051 |
| Net gain (loss) on investments | 36456 | 19025 | 2167 | 1046 | 20322 |
| Net increase (decrease) in net assets resulting from operations | $36456 | $19025 | $6269 | $3021 | $20322 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **CTIVP Vty** <br> **Sycamore Estb** <br> **Val,** <br>**Cl 2**<br>| **CTIVP Vty** <br> **Sycamore Estb** <br> **Val,** <br>**Cl 3**<br>| **CTIVP** <br> **Wellington Lg** <br> **Cap Val,** <br>**Cl 1**<br>| **CTIVP** <br> **Wellington Lg** <br> **Cap Val,** <br>**Cl 2**<br>| **CTIVP** <br> **Westfield Mid** <br> **Cap Gro,** <br>**Cl 1**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $— | $— | $— | $— | $— |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses |  | 6453 |  |  |  |
| Investment income (loss) — net |  | (6453) |  |  |  |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 157670 | 239971 | 37937 | 33134 | 28415 |
| Cost of investments sold | 103995 | 163162 | 33049 | 21671 | 21408 |
| Net realized gain (loss) on sales of investments | 53675 | 76809 | 4888 | 11463 | 7007 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | (44498) | (41005) | 120892 | 47818 | 9279 |
| Net gain (loss) on investments | 9177 | 35804 | 125780 | 59281 | 16286 |
| Net increase (decrease) in net assets resulting from operations | $9177 | $29351 | $125780 | $59281 | $16286 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**41 ■ RiverSource of New York Account 8**

------

**Statement of Operations**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **CTIVP** <br> **Westfield Mid** <br> **Cap Gro,** <br>**Cl 2**<br>| **CTIVP** <br> **Westfield Sel** <br> **Lg Cp Gr,** <br>**Cl 1**<br>| **CTIVP** <br> **Westfield Sel** <br> **Lg Cp Gr,** <br>**Cl 2**<br>| **CVT EAFE Intl** <br> **Index,** <br>**Cl F**<br>| **CVT EAFE Intl** <br> **Index,** <br>**Cl I**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $— | $— | $— | $440 | $7400 |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses |  |  |  |  |  |
| Investment income (loss) — net |  |  |  | 440 | 7400 |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 30729 | 5840 | 4631 | 4402 | 50255 |
| Cost of investments sold | 22452 | 4144 | 3778 | 4008 | 44311 |
| Net realized gain (loss) on sales of investments | 8277 | 1696 | 853 | 394 | 5944 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | (3787) | 38118 | 10991 | 3906 | 56684 |
| Net gain (loss) on investments | 4490 | 39814 | 11844 | 4300 | 62628 |
| Net increase (decrease) in net assets resulting from operations | $4490 | $39814 | $11844 | $4740 | $70028 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **CVT Nasdaq** <br> **100 Index,** <br>**Cl F**<br>| **CVT Nasdaq** <br> **100 Index,** <br>**Cl I**<br>| **CVT Russ 2000** <br> **Sm Cap Ind,** <br>**Cl F**<br>| **CVT Russ 2000** <br> **Sm Cap Ind,** <br>**Cl I**<br>| **DWS Alt Asset** <br> **Alloc VIP,** <br>**Cl A**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $263 | $1556 | $291 | $1978 | $6833 |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses |  |  |  |  |  |
| Investment income (loss) — net | 263 | 1556 | 291 | 1978 | 6833 |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 14870 | 22815 | 1258 | 12372 | 12729 |
| Cost of investments sold | 12692 | 19709 | 1181 | 11692 | 12421 |
| Net realized gain (loss) on sales of investments | 2178 | 3106 | 77 | 680 | 308 |
| Distributions from capital gains | 1542 | 9131 | 947 | 6435 |  |
| Net change in unrealized appreciation (depreciation) of investments | 12249 | 87968 | 844 | 7090 | 10582 |
| Net gain (loss) on investments | 15969 | 100205 | 1868 | 14205 | 10890 |
| Net increase (decrease) in net assets resulting from operations | $16232 | $101761 | $2159 | $16183 | $17723 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 42

------

**Statement of Operations**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **DWS Alt Asset** <br> **Alloc VIP,** <br>**Cl B**<br>| **EV VT** <br> **Floating-Rate** <br> **Inc, Init Cl**<br>| **EV VT** <br> **Floating-Rate** <br> **Inc, Inst Cl**<sup>(1)</sup> <br>| **Fid VIP** <br> **Contrafund,** <br> **Init Cl**<br>| **Fid VIP** <br> **Contrafund,** <br>**Serv Cl 2**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $12520 | $91568 | $449 | $4099 | $— |
| Reimbursement of income from trade error |  |  | 12 |  |  |
| Variable account expenses | 575 | 7079 |  |  | 40688 |
| Investment income (loss) — net | 11945 | 84489 | 461 | 4099 | (40688) |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 37681 | 357053 | 131 | 79202 | 1080865 |
| Cost of investments sold | 36863 | 377495 | 134 | 69659 | 865581 |
| Net realized gain (loss) on sales of investments | 818 | (20442) | (3) | 9543 | 215284 |
| Distributions from capital gains |  |  |  | 448457 | 1515934 |
| Net change in unrealized appreciation (depreciation) of investments | 21580 | (18428) | (207) | 56370 | 6134 |
| Net gain (loss) on investments | 22398 | (38870) | (210) | 514370 | 1737352 |
| Net increase (decrease) in net assets resulting from operations | $34343 | $45619 | $251 | $518469 | $1696664 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Fid VIP Emer** <br> **Mkts, Init Cl**<br>| **Fid VIP** <br> **Energy, Init Cl**<br>| **Fid VIP Gro &** <br> **Inc,** <br>**Serv Cl**<br>| **Fid VIP Gro &** <br> **Inc,** <br>**Serv Cl 2**<br>| **Fid VIP Gro** <br> **Opp, Init Cl**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $953 | $53 | $81561 | $37871 | $— |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses |  |  | 35481 | 9162 |  |
| Investment income (loss) — net | 953 | 53 | 46080 | 28709 |  |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 34599 | 998 | 543674 | 784185 | 28950 |
| Cost of investments sold | 33423 | 1028 | 341074 | 585880 | 29171 |
| Net realized gain (loss) on sales of investments | 1176 | (30) | 202600 | 198305 | (221) |
| Distributions from capital gains | 367 |  | 527382 | 271539 | 1340 |
| Net change in unrealized appreciation (depreciation) of investments | 13212 | 169 | 260018 | 23816 | 14725 |
| Net gain (loss) on investments | 14755 | 139 | 990000 | 493660 | 15844 |
| Net increase (decrease) in net assets resulting from operations | $15708 | $192 | $1036080 | $522369 | $15844 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**43 ■ RiverSource of New York Account 8**

------

**Statement of Operations**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Fid VIP Invest** <br> **Gr, Init Cl**<br>| **Fid VIP Mid** <br> **Cap, Init Cl**<br>| **Fid VIP Mid** <br> **Cap,** <br>**Serv Cl**<br>| **Fid VIP Mid** <br> **Cap,** <br>**Serv Cl 2**<br>| **Fid VIP** <br> **Overseas,** <br>**Serv Cl**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $1593 | $5421 | $22692 | $14840 | $27769 |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses |  |  | 42039 | 19434 | 12334 |
| Investment income (loss) — net | 1593 | 5421 | (19347) | (4594) | 15435 |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 4627 | 149688 | 605435 | 1330567 | 123929 |
| Cost of investments sold | 4612 | 168063 | 561393 | 1352859 | 94872 |
| Net realized gain (loss) on sales of investments | 15 | (18375) | 44042 | (22292) | 29057 |
| Distributions from capital gains |  | 123826 | 707850 | 703456 | 161537 |
| Net change in unrealized appreciation (depreciation) of investments | 1325 | 37342 | (67996) | (30392) | 98772 |
| Net gain (loss) on investments | 1340 | 142793 | 683896 | 650772 | 289366 |
| Net increase (decrease) in net assets resulting from operations | $2933 | $148214 | $664549 | $646178 | $304801 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Fid VIP** <br> **Overseas,** <br>**Serv Cl 2**<br>| **Fid VIP** <br> **Strategic Inc,** <br> **Init Cl**<br>| **Fid VIP** <br> **Strategic Inc,** <br>**Serv Cl 2**<br>| **Frank Global** <br> **Real Est,** <br>**Cl 2**<br>| **Frank Inc,** <br>**Cl 1**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $18713 | $25599 | $2077 | $25653 | $3603 |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses | 4679 |  |  | 8768 |  |
| Investment income (loss) — net | 14034 | 25599 | 2077 | 16885 | 3603 |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 349294 | 261046 | 7841 | 402848 | 7331 |
| Cost of investments sold | 286117 | 257625 | 7767 | 443520 | 7216 |
| Net realized gain (loss) on sales of investments | 63177 | 3421 | 74 | (40672) | 115 |
| Distributions from capital gains | 121771 |  |  |  | 721 |
| Net change in unrealized appreciation (depreciation) of investments | 36156 | 23516 | 1828 | 155428 | 4783 |
| Net gain (loss) on investments | 221104 | 26937 | 1902 | 114756 | 5619 |
| Net increase (decrease) in net assets resulting from operations | $235138 | $52536 | $3979 | $131641 | $9222 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 44

------

**Statement of Operations**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Frank Inc,** <br>**Cl 2**<br>| **Frank Mutual** <br> **Shares,** <br>**Cl 1**<br>| **Frank Mutual** <br> **Shares,** <br>**Cl 2**<br>| **Frank Sm Cap** <br> **Val,** <br>**Cl 1**<br>| **Frank Sm Cap** <br> **Val,** <br>**Cl 2**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $24252 | $815 | $37707 | $3492 | $31635 |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses | 2566 |  | 7597 |  | 13341 |
| Investment income (loss) — net | 21686 | 815 | 30110 | 3492 | 18294 |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 93461 | 1711 | 494455 | 8559 | 611889 |
| Cost of investments sold | 94276 | 1592 | 528908 | 8260 | 669930 |
| Net realized gain (loss) on sales of investments | (815) | 119 | (34453) | 299 | (58041) |
| Distributions from capital gains | 5098 | 3536 | 185784 | 21971 | 246722 |
| Net change in unrealized appreciation (depreciation) of investments | 28193 | (714) | 12079 | (1051) | (1084) |
| Net gain (loss) on investments | 32476 | 2941 | 163410 | 21219 | 187597 |
| Net increase (decrease) in net assets resulting from operations | $54162 | $3756 | $193520 | $24711 | $205891 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **GS VIT Mid** <br> **Cap Val, Inst**<br>| **GS VIT Sm Cap** <br> **Eq Insights,** <br> **Inst**<br>| **GS VIT U.S. Eq** <br> **Insights, Inst**<br>| **Invesco VI Am** <br> **Fran, Ser I**<br>| **Invesco VI Am** <br> **Fran, Ser II**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $75192 | $2974 | $21739 | $— | $— |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses | 30750 | 2344 | 14831 | 5190 | 4648 |
| Investment income (loss) — net | 44442 | 630 | 6908 | (5190) | (4648) |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 1267478 | 96688 | 934572 | 120602 | 210567 |
| Cost of investments sold | 1221828 | 92689 | 783055 | 86671 | 177980 |
| Net realized gain (loss) on sales of investments | 45650 | 3999 | 151517 | 33931 | 32587 |
| Distributions from capital gains | 681715 | 33849 | 411506 | 73992 | 126809 |
| Net change in unrealized appreciation (depreciation) of investments | (239111) | 17456 | (120072) | (23239) | (31960) |
| Net gain (loss) on investments | 488254 | 55304 | 442951 | 84684 | 127436 |
| Net increase (decrease) in net assets resulting from operations | $532696 | $55934 | $449859 | $79494 | $122788 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**45 ■ RiverSource of New York Account 8**

------

**Statement of Operations**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Invesco VI Bal** <br> **Risk Alloc, Ser** <br> **I**<br>| **Invesco VI Bal** <br> **Risk Alloc, Ser** <br> **II**<br>| **Invesco VI** <br> **Comstock, Ser** <br> **II**<br>| **Invesco VI** <br> **Core Eq, Ser I**<br>| **Invesco VI Dis** <br> **Mid Cap** <br> **Gro, Ser I**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $2985 | $20944 | $8464 | $79441 | $— |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses |  | 1142 | 3414 | 104640 | 5166 |
| Investment income (loss) — net | 2985 | 19802 | 5050 | (25199) | (5166) |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 4327 | 8965 | 88918 | 1453105 | 192677 |
| Cost of investments sold | 4789 | 10212 | 83093 | 1195720 | 182828 |
| Net realized gain (loss) on sales of investments | (462) | (1247) | 5825 | 257385 | 9849 |
| Distributions from capital gains |  |  | 62727 | 914520 | 82408 |
| Net change in unrealized appreciation (depreciation) of investments | 872 | 5319 | 14869 | 591269 | (45023) |
| Net gain (loss) on investments | 410 | 4072 | 83421 | 1763174 | 47234 |
| Net increase (decrease) in net assets resulting from operations | $3395 | $23874 | $88471 | $1737975 | $42068 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Invesco VI Div** <br> **Divd, Ser I**<br>| **Invesco VI** <br> **EQV Intl** <br> **Eq, Ser II**<br>| **Invesco VI Gbl** <br> **Strat Inc, Ser I**<br>| **Invesco VI Gbl** <br> **Strat Inc, Ser** <br> **II**<br>| **Invesco VI** <br> **Global, Ser I**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $16529 | $11449 | $3210 | $85733 | $— |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses | 5121 | 5399 |  | 7519 |  |
| Investment income (loss) — net | 11408 | 6050 | 3210 | 78214 |  |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 232257 | 290487 | 12383 | 230010 | 14843 |
| Cost of investments sold | 214898 | 272358 | 11569 | 245644 | 13858 |
| Net realized gain (loss) on sales of investments | 17359 | 18129 | 814 | (15634) | 985 |
| Distributions from capital gains | 79032 | 62473 |  |  | 135195 |
| Net change in unrealized appreciation (depreciation) of investments | 37647 | 68014 | 2219 | 117179 | (38338) |
| Net gain (loss) on investments | 134038 | 148616 | 3033 | 101545 | 97842 |
| Net increase (decrease) in net assets resulting from operations | $145446 | $154666 | $6243 | $179759 | $97842 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 46

------

**Statement of Operations**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Invesco VI** <br> **Global, Ser II**<br>| **Invesco VI** <br> **Mn St Sm** <br> **Cap, Ser I**<br>| **Invesco VI** <br> **Mn St Sm** <br> **Cap, Ser II**<br>| **Invesco VI** <br> **Tech, Ser I**<br>| **Invesco VI** <br> **Tech, Ser II**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $— | $2698 | $4781 | $— | $— |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses | 6596 |  | 6513 | 7900 |  |
| Investment income (loss) — net | (6596) | 2698 | (1732) | (7900) |  |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 344341 | 55220 | 221047 | 340140 | 301 |
| Cost of investments sold | 331179 | 56234 | 193085 | 294642 | 215 |
| Net realized gain (loss) on sales of investments | 13162 | (1014) | 27962 | 45498 | 86 |
| Distributions from capital gains | 345924 | 60557 | 212569 | 223546 | 1234 |
| Net change in unrealized appreciation (depreciation) of investments | (105227) | (7979) | (73334) | 109869 | 360 |
| Net gain (loss) on investments | 253859 | 51564 | 167197 | 378913 | 1680 |
| Net increase (decrease) in net assets resulting from operations | $247263 | $54262 | $165465 | $371013 | $1680 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Janus Hend** <br> **VIT Gbl Tech** <br> **Innov, Srv**<br>| **Janus** <br> **Henderson VIT** <br> **Bal, Inst**<br>| **Janus** <br> **Henderson VIT** <br> **Bal, Serv**<br>| **Janus** <br> **Henderson VIT** <br> **Enter, Serv**<br>| **Janus** <br> **Henderson VIT** <br> **Flex Bd, Inst**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $— | $22720 | $947 | $440 | $27380 |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses | 15125 |  |  | 4854 |  |
| Investment income (loss) — net | (15125) | 22720 | 947 | (4414) | 27380 |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 380453 | 21421 | 675 | 34889 | 47603 |
| Cost of investments sold | 251258 | 17791 | 523 | 29323 | 48123 |
| Net realized gain (loss) on sales of investments | 129195 | 3630 | 152 | 5566 | (520) |
| Distributions from capital gains | 265641 | 35265 | 1672 | 78476 |  |
| Net change in unrealized appreciation (depreciation) of investments | 250275 | 95148 | 4839 | (18166) | 7669 |
| Net gain (loss) on investments | 645111 | 134043 | 6663 | 65876 | 7149 |
| Net increase (decrease) in net assets resulting from operations | $629986 | $156763 | $7610 | $61462 | $34529 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**47 ■ RiverSource of New York Account 8**

------

**Statement of Operations**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Janus** <br> **Henderson VIT** <br> **Flex Bd, Serv**<br>| **Janus** <br> **Henderson VIT** <br> **Overseas,** <br> **Serv**<br>| **Janus** <br> **Henderson VIT** <br> **Res, Inst**<br>| **Janus** <br> **Henderson VIT** <br> **Res, Serv**<br>| **Lazard Ret** <br> **Global Dyn** <br> **MA, Inv**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $2495 | $26690 | $— | $— | $274 |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses |  | 11259 |  | 4383 |  |
| Investment income (loss) — net | 2495 | 15431 |  | (4383) | 274 |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 401 | 206922 | 168 | 116052 | 2246 |
| Cost of investments sold | 411 | 156181 | 110 | 83012 | 2053 |
| Net realized gain (loss) on sales of investments | (10) | 50741 | 58 | 33040 | 193 |
| Distributions from capital gains |  |  | 6173 | 65748 | 607 |
| Net change in unrealized appreciation (depreciation) of investments | 1189 | 421123 | 8575 | 39956 | 2101 |
| Net gain (loss) on investments | 1179 | 471864 | 14806 | 138744 | 2901 |
| Net increase (decrease) in net assets resulting from operations | $3674 | $487295 | $14806 | $134361 | $3175 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Lazard Ret** <br> **Global Dyn** <br> **MA, Serv**<br>| **Lord Abt Bond** <br> **Debenture,** <br>**Cl VC**<br>| **LVIP AC Intl,** <br>**Serv Cl**<br>| **LVIP AC Intl,** <br> **Std** <br>**Cl II**<br>| **LVIP AC Mid** <br> **Cap Val, Std** <br>**Cl II**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $180 | $1510 | $8028 | $7809 | $873 |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses | 90 |  | 2614 | 4098 |  |
| Investment income (loss) — net | 90 | 1510 | 5414 | 3711 | 873 |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 1669 | 2358 | 163871 | 37178 | 4515 |
| Cost of investments sold | 1597 | 2401 | 155677 | 30985 | 4524 |
| Net realized gain (loss) on sales of investments | 72 | (43) | 8194 | 6193 | (9) |
| Distributions from capital gains | 455 |  |  |  | 3815 |
| Net change in unrealized appreciation (depreciation) of investments | 1712 | 228 | 87740 | 79417 | (1900) |
| Net gain (loss) on investments | 2239 | 185 | 95934 | 85610 | 1906 |
| Net increase (decrease) in net assets resulting from operations | $2329 | $1695 | $101348 | $89321 | $2779 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 48

------

**Statement of Operations**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **LVIP AC Val,** <br>**Serv Cl**<br>| **LVIP AC Val,** <br> **Std** <br>**Cl II**<br>| **MFS Gbl Real** <br> **Est, Init Cl**<br>| **MFS Intl Gro,** <br> **Init Cl**<br>| **MFS Mass Inv** <br> **Gro Stock,** <br>**Serv Cl**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $37082 | $64805 | $2 | $1773 | $523 |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses | 8503 | 26983 |  |  | 16509 |
| Investment income (loss) — net | 28579 | 37822 | 2 | 1773 | (15986) |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 739748 | 405621 | 23 | 83763 | 1099767 |
| Cost of investments sold | 647452 | 298666 | 23 | 80607 | 997182 |
| Net realized gain (loss) on sales of investments | 92296 | 106955 |  | 3156 | 102585 |
| Distributions from capital gains | 190564 | 309726 |  | 10547 | 452917 |
| Net change in unrealized appreciation (depreciation) of investments | 41933 | 119770 | 2 | 15475 | (279561) |
| Net gain (loss) on investments | 324793 | 536451 | 2 | 29178 | 275941 |
| Net increase (decrease) in net assets resulting from operations | $353372 | $574273 | $4 | $30951 | $259955 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **MFS New Dis,** <br>**Serv Cl**<br>| **MFS Utilities,** <br> **Init Cl**<br>| **MFS Utilities,** <br>**Serv Cl**<br>| **MS VIF Dis,** <br>**Cl I**<br>| **MS VIF Dis,** <br>**Cl II**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $— | $3960 | $32213 | $2676 | $5396 |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses | 9603 |  | 4862 |  | 6320 |
| Investment income (loss) — net | (9603) | 3960 | 27351 | 2676 | (924) |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 263050 | 4713 | 222753 | 19073 | 145169 |
| Cost of investments sold | 337500 | 4501 | 202339 | 14357 | 163913 |
| Net realized gain (loss) on sales of investments | (74450) | 212 | 20414 | 4716 | (18744) |
| Distributions from capital gains |  | 1811 | 16065 |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 313375 | 12234 | 94486 | 55339 | 149991 |
| Net gain (loss) on investments | 238925 | 14257 | 130965 | 60055 | 131247 |
| Net increase (decrease) in net assets resulting from operations | $229322 | $18217 | $158316 | $62731 | $130323 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**49 ■ RiverSource of New York Account 8**

------

**Statement of Operations**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **NB AMT** <br> **Quality Eq,** <br>**Cl I**<br>| **NB AMT** <br> **Quality Eq,** <br>**Cl S**<br>| **Nom VIP Asset** <br> **Strategy,** <br>**Serv Cl**<br>| **Nom VIP Asset** <br> **Strategy, Std** <br> **Cl**<br>| **Nom VIP Intl** <br> **Core Eq, Std Cl**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $— | $— | $629 | $4 | $1 |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses |  |  | 60 |  |  |
| Investment income (loss) — net |  |  | 569 | 4 | 1 |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 2138 | 532 | 13642 |  |  |
| Cost of investments sold | 1667 | 429 | 13857 |  |  |
| Net realized gain (loss) on sales of investments | 471 | 103 | (215) |  |  |
| Distributions from capital gains | 3393 | 4959 | 3276 | 16 | 4 |
| Net change in unrealized appreciation (depreciation) of investments | 3246 | 5635 | 3541 | 13 | 14 |
| Net gain (loss) on investments | 7110 | 10697 | 6602 | 29 | 18 |
| Net increase (decrease) in net assets resulting from operations | $7110 | $10697 | $7171 | $33 | $19 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **PIMCO VIT All** <br> **Asset, Advisor** <br> **Cl**<br>| **PIMCO VIT All** <br> **Asset, Inst Cl**<br>| **PIMCO VIT Glb** <br> **Man As Alloc,** <br> **Adv Cl**<br>| **PIMCO VIT Tot** <br> **Return,** <br> **Advisor Cl**<br>| **PIMCO VIT Tot** <br> **Return, Inst Cl**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $27045 | $822 | $266 | $29366 | $10975 |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses | 3126 |  |  | 4213 |  |
| Investment income (loss) — net | 23919 | 822 | 266 | 25153 | 10975 |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 139596 | 3862 | 326 | 46227 | 10513 |
| Cost of investments sold | 149127 | 3901 | 343 | 49030 | 10692 |
| Net realized gain (loss) on sales of investments | (9531) | (39) | (17) | (2803) | (179) |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 62136 | 1497 | 980 | 39336 | 12458 |
| Net gain (loss) on investments | 52605 | 1458 | 963 | 36533 | 12279 |
| Net increase (decrease) in net assets resulting from operations | $76524 | $2280 | $1229 | $61686 | $23254 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 50

------

**Statement of Operations**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Put VT Global** <br> **Hlth Care,** <br>**Cl IA**<br>| **Put VT Global** <br> **Hlth Care,** <br>**Cl IB**<br>| **Put VT Hi** <br> **Yield,** <br>**Cl IB**<br>| **Put VT Intl Eq,** <br>**Cl IB**<br>| **Put VT Intl Val,** <br>**Cl IA**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $— | $— | $15925 | $21 | $38 |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses |  | 6577 | 1829 | 844 |  |
| Investment income (loss) — net |  | (6577) | 14096 | (823) | 38 |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 1634 | 322822 | 16894 | 61735 | 67436 |
| Cost of investments sold | 1692 | 345343 | 18331 | 53200 | 64809 |
| Net realized gain (loss) on sales of investments | (58) | (22521) | (1437) | 8535 | 2627 |
| Distributions from capital gains | 4660 | 97266 |  | 11789 | 24 |
| Net change in unrealized appreciation (depreciation) of investments | 6548 | 105498 | 7362 | 41632 | 14585 |
| Net gain (loss) on investments | 11150 | 180243 | 5925 | 61956 | 17236 |
| Net increase (decrease) in net assets resulting from operations | $11150 | $173666 | $20021 | $61133 | $17274 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Put VT Lg Cap** <br> **Val,** <br>**Cl IA**<br>| **Put VT Sus** <br> **Leaders,** <br>**Cl IA**<br>| **Put VT Sus** <br> **Leaders,** <br>**Cl IB**<br>| **Royce Micro-**<br> **Cap, Invest Cl**<br>| **Temp Global** <br> **Bond,** <br>**Cl 1**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $925 | $123032 | $1312 | $— | $— |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses |  | 120777 | 748 | 12665 |  |
| Investment income (loss) — net | 925 | 2255 | 564 | (12665) |  |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 109316 | 1782952 | 60320 | 207891 | 664 |
| Cost of investments sold | 112528 | 1276491 | 50994 | 206712 | 672 |
| Net realized gain (loss) on sales of investments | (3212) | 506461 | 9326 | 1179 | (8) |
| Distributions from capital gains | 3865 | 1579985 | 23079 | 308901 |  |
| Net change in unrealized appreciation (depreciation) of investments | 37107 | (747557) | (12746) | (53290) | 4791 |
| Net gain (loss) on investments | 37760 | 1338889 | 19659 | 256790 | 4783 |
| Net increase (decrease) in net assets resulting from operations | $38685 | $1341144 | $20223 | $244125 | $4783 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**51 ■ RiverSource of New York Account 8**

------

**Statement of Operations**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Temp Global** <br> **Bond,** <br>**Cl 2**<br>| **Third Ave VST** <br> **Third Ave** <br> **Value**<br>| **VanEck VIP** <br> **Global Gold,** <br>**Cl S**<br>| **VP Aggr,** <br>**Cl 1**<br>| **VP Aggr,** <br>**Cl 2**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $— | $55769 | $4547 | $— | $— |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses | 459 | 15550 | 1421 |  | 64454 |
| Investment income (loss) — net | (459) | 40219 | 3126 |  | (64454) |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 56429 | 245443 | 108613 | 361896 | 2715266 |
| Cost of investments sold | 66036 | 194272 | 75083 | 296622 | 1764568 |
| Net realized gain (loss) on sales of investments | (9607) | 51171 | 33530 | 65274 | 950698 |
| Distributions from capital gains |  | 181041 |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 28443 | 448792 | 276549 | 720784 | 3765517 |
| Net gain (loss) on investments | 18836 | 681004 | 310079 | 786058 | 4716215 |
| Net increase (decrease) in net assets resulting from operations | $18377 | $721223 | $313205 | $786058 | $4651761 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **VP Aggr,** <br>**Cl 4**<br>| **VP Conserv,** <br>**Cl 1**<br>| **VP Conserv,** <br>**Cl 2**<br>| **VP Conserv,** <br>**Cl 4**<br>| **VP Man Vol** <br> **Conserv Gro,** <br>**Cl 1**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $— | $— | $— | $— | $— |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses | 123359 |  | 2785 | 2703 |  |
| Investment income (loss) — net | (123359) |  | (2785) | (2703) |  |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 4561264 |  | 408746 | 101453 | 1885 |
| Cost of investments sold | 2673924 |  | 372788 | 85907 | 1798 |
| Net realized gain (loss) on sales of investments | 1887340 |  | 35958 | 15546 | 87 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 2440166 | 3 | 54368 | 39997 | 6706 |
| Net gain (loss) on investments | 4327506 | 3 | 90326 | 55543 | 6793 |
| Net increase (decrease) in net assets resulting from operations | $4204147 | $3 | $87541 | $52840 | $6793 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 52

------

**Statement of Operations**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **VP Man Vol** <br> **Conserv Gro,** <br>**Cl 2**<br>| **VP Man Vol** <br> **Conserv,** <br>**Cl 1**<br>| **VP Man Vol** <br> **Conserv,** <br>**Cl 2**<br>| **VP Man Vol** <br> **Gro,** <br>**Cl 1**<br>| **VP Man Vol** <br> **Gro,** <br>**Cl 2**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $— | $— | $— | $— | $— |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses | 933 |  | 1031 |  | 7965 |
| Investment income (loss) — net | (933) |  | (1031) |  | (7965) |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 28242 |  | 22613 | 101068 | 368018 |
| Cost of investments sold | 26063 |  | 21835 | 91293 | 289249 |
| Net realized gain (loss) on sales of investments | 2179 |  | 778 | 9775 | 78769 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 35896 | 301 | 12588 | 289340 | 301805 |
| Net gain (loss) on investments | 38075 | 301 | 13366 | 299115 | 380574 |
| Net increase (decrease) in net assets resulting from operations | $37142 | $301 | $12335 | $299115 | $372609 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **VP Man Vol** <br> **Mod Gro,** <br>**Cl 1**<br>| **VP Man Vol** <br> **Mod Gro,** <br>**Cl 2**<br>| **VP Mod Aggr,** <br>**Cl 1**<br>| **VP Mod Aggr,** <br>**Cl 2**<br>| **VP Mod Aggr,** <br>**Cl 4**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $— | $— | $— | $— | $— |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses |  | 6889 |  | 162297 | 277846 |
| Investment income (loss) — net |  | (6889) |  | (162297) | (277846) |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 39020 | 385716 | 913203 | 5181255 | 9620244 |
| Cost of investments sold | 35529 | 299954 | 741462 | 3538719 | 5691873 |
| Net realized gain (loss) on sales of investments | 3491 | 85762 | 171741 | 1642536 | 3928371 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 154362 | 174022 | 2077575 | 5012459 | 4856012 |
| Net gain (loss) on investments | 157853 | 259784 | 2249316 | 6654995 | 8784383 |
| Net increase (decrease) in net assets resulting from operations | $157853 | $252895 | $2249316 | $6492698 | $8506537 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**53 ■ RiverSource of New York Account 8**

------

**Statement of Operations**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **VP Mod** <br> **Conserv,** <br>**Cl 1**<br>| **VP Mod** <br> **Conserv,** <br>**Cl 2**<br>| **VP Mod** <br> **Conserv,** <br>**Cl 4**<br>| **VP Mod,** <br>**Cl 1**<br>| **VP Mod,** <br>**Cl 2**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $— | $— | $— | $— | $— |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses |  | 10048 | 11949 |  | 126042 |
| Investment income (loss) — net |  | (10048) | (11949) |  | (126042) |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 362966 | 315725 | 717743 | 838930 | 3234096 |
| Cost of investments sold | 307602 | 261209 | 570235 | 741265 | 2286396 |
| Net realized gain (loss) on sales of investments | 55364 | 54516 | 147508 | 97665 | 947700 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | (45335) | 197889 | 167268 | 699351 | 2672204 |
| Net gain (loss) on investments | 10029 | 252405 | 314776 | 797016 | 3619904 |
| Net increase (decrease) in net assets resulting from operations | $10029 | $242357 | $302827 | $797016 | $3493862 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **VP Mod,** <br>**Cl 4**<br>| **VP Ptnrs Core** <br> **Bond,** <br>**Cl 1**<br>| **VP Ptnrs Core** <br> **Bond,** <br>**Cl 2**<br>| **VP Ptnrs Core** <br> **Eq,** <br>**Cl 1**<br>| **VP Ptnrs Core** <br> **Eq,** <br>**Cl 2**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $— | $1570 | $1272 | $— | $— |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses | 165205 |  |  |  |  |
| Investment income (loss) — net | (165205) | 1570 | 1272 |  |  |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 6456306 | 2683 | 5325 | 2927 | 1394 |
| Cost of investments sold | 4392155 | 2709 | 5295 | 2481 | 1019 |
| Net realized gain (loss) on sales of investments | 2064151 | (26) | 30 | 446 | 375 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 2429611 | 653 | 198 | 185 | 4752 |
| Net gain (loss) on investments | 4493762 | 627 | 228 | 631 | 5127 |
| Net increase (decrease) in net assets resulting from operations | $4328557 | $2197 | $1500 | $631 | $5127 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 54

------

**Statement of Operations**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **VP Ptnrs Core** <br> **Eq,** <br>**Cl 3**<br>| **VP Ptnrs Intl** <br> **Core Eq,** <br>**Cl 1**<br>| **VP Ptnrs Intl** <br> **Core Eq,** <br>**Cl 2**<br>| **VP Ptnrs Intl** <br> **Gro,** <br>**Cl 1**<br>| **VP Ptnrs Intl** <br> **Gro,** <br>**Cl 2**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $— | $4686 | $853 | $1129 | $1082 |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses | 2532 |  |  |  |  |
| Investment income (loss) — net | (2532) | 4686 | 853 | 1129 | 1082 |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 101032 | 20663 | 1937 | 5444 | 18178 |
| Cost of investments sold | 48436 | 19445 | 1704 | 4890 | 17053 |
| Net realized gain (loss) on sales of investments | 52596 | 1218 | 233 | 554 | 1125 |
| Distributions from capital gains |  | 14839 | 2898 | 1278 | 1822 |
| Net change in unrealized appreciation (depreciation) of investments | 11937 | 52665 | 10544 | 24470 | 30622 |
| Net gain (loss) on investments | 64533 | 68722 | 13675 | 26302 | 33569 |
| Net increase (decrease) in net assets resulting from operations | $62001 | $73408 | $14528 | $27431 | $34651 |

---

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **VP Ptnrs Intl** <br> **Val,** <br>**Cl 1**<br>| **VP Ptnrs Intl** <br> **Val,** <br>**Cl 2**<br>| **VP Ptnrs Sm** <br> **Cap Gro,** <br>**Cl 1**<br>| **VP Ptnrs Sm** <br> **Cap Gro,** <br>**Cl 2**<br>| **VP Ptnrs Sm** <br> **Cap Val,** <br>**Cl 1**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $1651 | $2090 | $— | $— | $— |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses |  |  |  |  |  |
| Investment income (loss) — net | 1651 | 2090 |  |  |  |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 2530 | 9925 | 4379 | 20981 | 4616 |
| Cost of investments sold | 2095 | 7987 | 3729 | 18353 | 4314 |
| Net realized gain (loss) on sales of investments | 435 | 1938 | 650 | 2628 | 302 |
| Distributions from capital gains | 154 | 199 |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 16161 | 18725 | 4839 | (2610) | (82) |
| Net gain (loss) on investments | 16750 | 20862 | 5489 | 18 | 220 |
| Net increase (decrease) in net assets resulting from operations | $18401 | $22952 | $5489 | $18 | $220 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**55 ■ RiverSource of New York Account 8**

------

**Statement of Operations**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **VP Ptnrs Sm** <br> **Cap Val,** <br>**Cl 2**<br>| **VP Ptnrs Sm** <br> **Cap Val,** <br>**Cl 3**<br>| **VP US Flex** <br> **Conserv Gro,** <br>**Cl 1**<br>| **VP US Flex** <br> **Gro,** <br>**Cl 1**<br>| **VP US Flex** <br> **Mod Gro,** <br>**Cl 1**<br>|
| **Investment income** |  |  |  |  |  |
| Dividend income | $— | $— | $— | $— | $— |
| Reimbursement of income from trade error |  |  |  |  |  |
| Variable account expenses |  | 2697 |  |  |  |
| Investment income (loss) — net |  | (2697) |  |  |  |
| **Realized and unrealized gain (loss) on investments — net** |  |  |  |  |  |
| Realized gain (loss) on sales of investments: |  |  |  |  |  |
| Proceeds from sales | 314 | 145174 | 724 | 9165 | 2988 |
| Cost of investments sold | 234 | 103375 | 634 | 7611 | 2850 |
| Net realized gain (loss) on sales of investments | 80 | 41799 | 90 | 1554 | 138 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 408 | 6115 | 732 | 29399 | 12322 |
| Net gain (loss) on investments | 488 | 47914 | 822 | 30953 | 12460 |
| Net increase (decrease) in net assets resulting from operations | $488 | $45217 | $822 | $30953 | $12460 |

---

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

---

| | | |
|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **WA Var Global** <br> **Hi Yd Bond,** <br>**Cl I**<br>| **WA Var Global** <br> **Hi Yd Bond,** <br>**Cl II**<br>|
| **Investment income** |  |  |
| Dividend income | $1892 | $463 |
| Reimbursement of income from trade error |  |  |
| Variable account expenses |  |  |
| Investment income (loss) — net | 1892 | 463 |
| **Realized and unrealized gain (loss) on investments — net** |  |  |
| Realized gain (loss) on sales of investments: |  |  |
| Proceeds from sales | 1211 | 1652 |
| Cost of investments sold | 1223 | 1812 |
| Net realized gain (loss) on sales of investments | (12) | (160) |
| Distributions from capital gains |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 676 | 399 |
| Net gain (loss) on investments | 664 | 239 |
| Net increase (decrease) in net assets resulting from operations | $2556 | $702 |

---

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

<sup>(1)</sup> See Note 9 in the Notes to Financial Statements.

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 56

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025** | **AB VPS Dyn** <br> **Asset Alloc,** <br>**Cl B**<br>| **AB VPS Intl** <br> **Val,** <br>**Cl B**<br>| **AB VPS Lg** <br> **Cap Gro,** <br>**Cl A**<br>| **AB VPS Lg** <br> **Cap Gro,** <br>**Cl B**<br>| **AB VPS** <br> **Relative Val,** <br>**Cl B**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $8 | $60358 | $— | $(12123) | $12460 |
| Net realized gain (loss) on sales of investments |  | 185295 | 7689 | 119805 | 27506 |
| Distributions from capital gains |  |  | 107630 | 351576 | 219459 |
| Net change in unrealized appreciation (depreciation) of investments | 61 | 790758 | 38288 | (36111) | (12702) |
| Net increase (decrease) in net assets resulting from operations | 69 | 1036411 | 153607 | 423147 | 246723 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments |  | 98904 | 214157 | 116004 | 40287 |
| Net transfers<sup>(1)</sup> <br>|  | 113268 | 86825 | 48524 | 9387 |
| Transfers for policy loans |  | (16396) | (495) | (30579) | (11002) |
| Policy charges |  | (85036) | (74757) | (61330) | (53742) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits |  | (81932) | (3150) | (119556) | (102266) |
| Death benefits |  | (38047) |  |  |  |
| Increase (decrease) from transactions |  | (9239) | 222580 | (46937) | (117336) |
| Increase (decrease) in net assets | 69 | 1027172 | 376187 | 376210 | 129387 |
| Net assets at beginning of year | 530 | 2555100 | 1015041 | 3400799 | 2616341 |
| Net assets at end of year | $599 | $3582272 | $1391228 | $3777009 | $2745728 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year |  | 1392469 | 404413 | 457167 | 685025 |
| Units purchased |  | 431189 | 115246 | 99213 | 121826 |
| Units redeemed |  | (305118) | (29728) | (62680) | (87560) |
| Units outstanding at end of year |  | 1518540 | 489931 | 493700 | 719291 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**57 ■ RiverSource of New York Account 8**

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Allspg VT** <br> **Index Asset** <br> **Alloc,** <br>**Cl 2**<br>| **Allspg VT Opp,** <br>**Cl 1**<br>| **Allspg VT Opp,** <br>**Cl 2**<br>| **Allspg VT Sm** <br> **Cap Gro,** <br>**Cl 1**<br>| **Allspg VT Sm** <br> **Cap Gro,** <br>**Cl 2**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $5458 | $75 | $(3840) | $— | $(4181) |
| Net realized gain (loss) on sales of investments | 101 | 45 | 1996 | 548 | (19521) |
| Distributions from capital gains | 52145 | 2585 | 141165 | 24176 | 85817 |
| Net change in unrealized appreciation (depreciation) of investments | 7285 | (933) | (56294) | 18007 | 60606 |
| Net increase (decrease) in net assets resulting from operations | 64989 | 1772 | 83027 | 42731 | 122721 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 17732 | 4944 | 28412 | 110795 | 62186 |
| Net transfers<sup>(1)</sup> <br>| (4060) | (178) | (26023) | 19657 | (27947) |
| Transfers for policy loans | 2029 | (1015) | (18636) | (508) | (3500) |
| Policy charges | (15480) | (1645) | (27378) | (30261) | (31171) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (7045) |  | (41158) | (1340) | (25780) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (6824) | 2106 | (84783) | 98343 | (26212) |
| Increase (decrease) in net assets | 58165 | 3878 | (1756) | 141074 | 96509 |
| Net assets at beginning of year | 593768 | 24071 | 1342161 | 392489 | 1447951 |
| Net assets at end of year | $651933 | $27949 | $1340405 | $533563 | $1544460 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 243112 | 11774 | 262672 | 265123 | 451556 |
| Units purchased | 14428 | 2385 | 49811 | 85161 | 70567 |
| Units redeemed | (16523) | (1383) | (38857) | (21289) | (43106) |
| Units outstanding at end of year | 241017 | 12776 | 273626 | 328995 | 479017 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 58

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **ALPS Alerian** <br> **Engy Infr,** <br> **Class I**<br>| **ALPS Alerian** <br> **Engy Infr,** <br> **Class III**<br>| **BlackRock** <br> **Global Alloc,** <br>**Cl I**<br>| **BlackRock** <br> **Global Alloc,** <br>**Cl III**<br>| **Calvert VP SRI** <br> **Bal,** <br>**Cl I**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $4893 | $22265 | $12303 | $21726 | $33308 |
| Net realized gain (loss) on sales of investments | 6451 | 15017 | 3141 | (5739) | 16856 |
| Distributions from capital gains | 11591 | 64343 | 28293 | 59409 | 153580 |
| Net change in unrealized appreciation (depreciation) of investments | (18088) | (80480) | 17354 | 24051 | 86265 |
| Net increase (decrease) in net assets resulting from operations | 4847 | 21145 | 61091 | 99447 | 290009 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 15849 | 8806 | 73221 | 18270 | 133182 |
| Net transfers<sup>(1)</sup> <br>| (3300) | (33551) | 20133 | (48675) | 12 |
| Transfers for policy loans |  | (6448) | (38276) | (6547) | 131982 |
| Policy charges | (3473) | (7733) | (27328) | (7983) | (120992) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (441) | (7298) | (2450) | (1851) | (5151) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | 8635 | (46224) | 25300 | (46786) | 139033 |
| Increase (decrease) in net assets | 13482 | (25079) | 86391 | 52661 | 429042 |
| Net assets at beginning of year | 89033 | 542713 | 291801 | 565831 | 2581102 |
| Net assets at end of year | $102515 | $517634 | $378192 | $618492 | $3010144 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 44434 | 344212 | 197043 | 350296 | 687351 |
| Units purchased | 7597 | 6539 | 57840 | 10030 | 77369 |
| Units redeemed | (3345) | (36761) | (41705) | (39439) | (35320) |
| Units outstanding at end of year | 48686 | 313990 | 213178 | 320887 | 729400 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**59 ■ RiverSource of New York Account 8**

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Col VP Acorn** | **Col VP Acorn** <br> **Intl**<br>| **Col VP Bal,** <br>**Cl 1**<br>| **Col VP Bal,** <br>**Cl 3**<br>| **Col VP** <br> **Commodity** <br> **Strategy,** <br>**Cl 1**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $(27898) | $31117 | $— | $(144618) | $7000 |
| Net realized gain (loss) on sales of investments | (299698) | (138230) | 45451 | 918938 | (754) |
| Distributions from capital gains |  | 19526 |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 555721 | 536360 | 371163 | 1613230 | 6130 |
| Net increase (decrease) in net assets resulting from operations | 228125 | 448773 | 416614 | 2387550 | 12376 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 121514 | 133030 | 568961 | 523647 | 19502 |
| Net transfers<sup>(1)</sup> <br>| (46182) | (52390) | 414772 | 44828 | 10755 |
| Transfers for policy loans | (9694) | 40048 | (649) | (13443) | (3744) |
| Policy charges | (123206) | (100892) | (135057) | (854204) | (4621) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (180097) | (93864) | (168717) | (722353) | (278) |
| Death benefits |  | (13094) |  |  |  |
| Increase (decrease) from transactions | (237665) | (87162) | 679310 | (1021525) | 21614 |
| Increase (decrease) in net assets | (9540) | 361611 | 1095924 | 1366025 | 33990 |
| Net assets at beginning of year | 5856592 | 3719562 | 2554838 | 18706480 | 69559 |
| Net assets at end of year | $5847052 | $4081173 | $3650762 | $20072505 | $103549 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 1307007 | 1564404 | 1426886 | 5376587 | 44276 |
| Units purchased | 327626 | 272923 | 532872 | 204399 | 17929 |
| Units redeemed | (184836) | (174287) | (172056) | (476233) | (5130) |
| Units outstanding at end of year | 1449797 | 1663040 | 1787702 | 5104753 | 57075 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 60

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**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Col VP** <br> **Commodity** <br> **Strategy,** <br>**Cl 2**<br>| **Col VP** <br> **Contrarian** <br> **Core,** <br>**Cl 1**<br>| **Col VP** <br> **Contrarian** <br> **Core,** <br>**Cl 2**<br>| **Col VP** <br> **Corporate** <br> **Bond,** <br>**Cl 1**<br>| **Col VP** <br> **Corporate** <br> **Bond,** <br>**Cl 2**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $3502 | $— | $— | $599 | $6420 |
| Net realized gain (loss) on sales of investments | (932) | 11487 | 1193 | 5 | (739) |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 3580 | 80282 | 65602 | 340 | 1420 |
| Net increase (decrease) in net assets resulting from operations | 6150 | 91769 | 66795 | 944 | 7101 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 2568 | 120395 | 15082 | 6321 | 6234 |
| Net transfers<sup>(1)</sup> <br>| (4354) | (1971) | 42909 | 2481 | 2786 |
| Transfers for policy loans | 896 | 7117 | 14843 |  | (54) |
| Policy charges | (1065) | (41632) | (3872) | (2312) | (3212) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (943) | (1504) | (1633) | (80) | (4681) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (2898) | 82405 | 67329 | 6410 | 1073 |
| Increase (decrease) in net assets | 3252 | 174174 | 134124 | 7354 | 8174 |
| Net assets at beginning of year | 40849 | 456834 | 335703 | 6684 | 93901 |
| Net assets at end of year | $44101 | $631008 | $469827 | $14038 | $102075 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 42468 | 190262 | 83512 | 6375 | 95276 |
| Units purchased | 3380 | 50915 | 17352 | 8317 | 8726 |
| Units redeemed | (6086) | (17798) | (1265) | (2139) | (7700) |
| Units outstanding at end of year | 39762 | 223379 | 99599 | 12553 | 96302 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**61 ■ RiverSource of New York Account 8**

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Col VP** <br> **Corporate** <br> **Bond,** <br>**Cl 3**<br>| **Col VP** <br> **Disciplined** <br> **Core,** <br>**Cl 1**<br>| **Col VP** <br> **Disciplined** <br> **Core,** <br>**Cl 2**<br>| **Col VP** <br> **Disciplined** <br> **Core,** <br>**Cl 3**<br>| **Col VP Divd** <br> **Opp,** <br>**Cl 1**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $71853 | $— | $— | $(265316) | $— |
| Net realized gain (loss) on sales of investments | (51798) | 2587 | 40684 | 2734532 | 2783 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 61386 | 45750 | 28462 | 1673504 | 100552 |
| Net increase (decrease) in net assets resulting from operations | 81441 | 48337 | 69146 | 4142720 | 103335 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 35557 | 49718 | 16400 | 716155 | 154004 |
| Net transfers<sup>(1)</sup> <br>| (15597) | 45619 | (33520) | (395204) | 64788 |
| Transfers for policy loans | (10171) | (1118) | (27268) | (14447) | (12848) |
| Policy charges | (42702) | (22665) | (17669) | (1270475) | (35398) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (44171) | (2626) | (719) | (1825841) | (549) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (77084) | 68928 | (62776) | (2789812) | 169997 |
| Increase (decrease) in net assets | 4357 | 117265 | 6370 | 1352908 | 273332 |
| Net assets at beginning of year | 1197880 | 298626 | 541881 | 32793527 | 528171 |
| Net assets at end of year | $1202237 | $415891 | $548251 | $34146435 | $801503 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 940952 | 138550 | 117867 | 8049457 | 309273 |
| Units purchased | 157603 | 41594 | 3426 | 285486 | 122571 |
| Units redeemed | (209034) | (11823) | (17007) | (924180) | (26665) |
| Units outstanding at end of year | 889521 | 168321 | 104286 | 7410763 | 405179 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 62

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Col VP Divd** <br> **Opp,** <br>**Cl 2**<br>| **Col VP Divd** <br> **Opp,** <br>**Cl 3**<br>| **Col VP Emer** <br> **Mkts,** <br>**Cl 1**<br>| **Col VP Emer** <br> **Mkts,** <br>**Cl 2**<br>| **Col VP Emer** <br> **Mkts,** <br>**Cl 3**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $— | $(71195) | $839 | $265 | $(7649) |
| Net realized gain (loss) on sales of investments | 2149 | 1392780 | (498) | (5223) | (59549) |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 50217 | 545711 | 87484 | 121485 | 624796 |
| Net increase (decrease) in net assets resulting from operations | 52366 | 1867296 | 87825 | 116527 | 557598 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 9558 | 281637 | 50381 | 27562 | 72237 |
| Net transfers<sup>(1)</sup> <br>| 23675 | (129585) | 16139 | (6395) | (50260) |
| Transfers for policy loans |  | (88291) |  | (18323) | 9161 |
| Policy charges | (4948) | (352719) | (12690) | (13883) | (54798) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (308) | (419479) | (32) | (1430) | (30332) |
| Death benefits |  | (41893) |  |  |  |
| Increase (decrease) from transactions | 27977 | (750330) | 53798 | (12469) | (53992) |
| Increase (decrease) in net assets | 80343 | 1116966 | 141623 | 104058 | 503606 |
| Net assets at beginning of year | 322661 | 12854074 | 252014 | 378060 | 1854983 |
| Net assets at end of year | $403004 | $13971040 | $393637 | $482118 | $2358589 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 105682 | 3114323 | 222132 | 269789 | 726270 |
| Units purchased | 10156 | 678139 | 52281 | 17497 | 123487 |
| Units redeemed | (1617) | (476321) | (9910) | (24388) | (90725) |
| Units outstanding at end of year | 114221 | 3316141 | 264503 | 262898 | 759032 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**63 ■ RiverSource of New York Account 8**

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Col VP Emerg** <br> **Mkts Bond,** <br>**Cl 1**<br>| **Col VP Emerg** <br> **Mkts Bond,** <br>**Cl 2**<br>| **Col VP Govt** <br> **Money Mkt,** <br>**Cl 1**<br>| **Col VP Govt** <br> **Money Mkt,** <br>**Cl 2**<br>| **Col VP Govt** <br> **Money Mkt,** <br>**Cl 3**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $2575 | $922 | $20858 | $18394 | $122183 |
| Net realized gain (loss) on sales of investments | 187 | (37) |  |  | 1 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 2981 | 1260 | (1) | (1) |  |
| Net increase (decrease) in net assets resulting from operations | 5743 | 2145 | 20857 | 18393 | 122184 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 10985 | 689 | 129161 | 91711 | 220478 |
| Net transfers<sup>(1)</sup> <br>| 2244 |  | 77284 | (39968) | (17995) |
| Transfers for policy loans | (830) |  |  | (13286) | 128534 |
| Policy charges | (2034) | (415) | (26336) | (20140) | (271128) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits |  |  |  | (3615) | (207128) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | 10365 | 274 | 180109 | 14702 | (147239) |
| Increase (decrease) in net assets | 16108 | 2419 | 200966 | 33095 | (25055) |
| Net assets at beginning of year | 38025 | 16847 | 496735 | 494630 | 3692597 |
| Net assets at end of year | $54133 | $19266 | $697701 | $527725 | $3667542 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 34578 | 12713 | 438092 | 432457 | 3376528 |
| Units purchased | 11566 | 494 | 176466 | 78283 | 570998 |
| Units redeemed | (2498) | (301) | (22750) | (65872) | (711758) |
| Units outstanding at end of year | 43646 | 12906 | 591808 | 444868 | 3235768 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 64

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**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Col VP Hi** <br> **Yield Bond,** <br>**Cl 1**<br>| **Col VP Hi** <br> **Yield Bond,** <br>**Cl 2**<br>| **Col VP Hi** <br> **Yield Bond,** <br>**Cl 3**<br>| **Col VP Inc** <br> **Opp,** <br>**Cl 1**<br>| **Col VP Inc** <br> **Opp,** <br>**Cl 2**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $19282 | $23204 | $149380 | $537 | $1612 |
| Net realized gain (loss) on sales of investments | 789 | (807) | (23177) | (104) | 70 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 7164 | 9555 | 81493 | 1997 | 5653 |
| Net increase (decrease) in net assets resulting from operations | 27235 | 31952 | 207696 | 2430 | 7335 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 154529 | 22083 | 51130 | 5399 | 3574 |
| Net transfers<sup>(1)</sup> <br>| 26734 | 10038 | 86398 | (3484) | (3784) |
| Transfers for policy loans | (70) | (18052) | (4414) |  |  |
| Policy charges | (21085) | (12714) | (72934) | (1257) | (2756) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (361) | (141) | (67784) |  | (5039) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | 159747 | 1214 | (7604) | 658 | (8005) |
| Increase (decrease) in net assets | 186982 | 33166 | 200092 | 3088 | (670) |
| Net assets at beginning of year | 225402 | 368481 | 2583872 | 27357 | 89371 |
| Net assets at end of year | $412384 | $401647 | $2783964 | $30445 | $88701 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 170489 | 210790 | 996371 | 21205 | 53149 |
| Units purchased | 131749 | 17766 | 238052 | 3992 | 2056 |
| Units redeemed | (15576) | (16783) | (137038) | (3503) | (6555) |
| Units outstanding at end of year | 286662 | 211773 | 1097385 | 21694 | 48650 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**65 ■ RiverSource of New York Account 8**

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**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Col VP Inc** <br> **Opp,** <br>**Cl 3**<br>| **Col VP Inter** <br> **Bond,** <br>**Cl 1**<br>| **Col VP Inter** <br> **Bond,** <br>**Cl 2**<br>| **Col VP Inter** <br> **Bond,** <br>**Cl 3**<br>| **Col VP Lg Cap** <br> **Gro,** <br>**Cl 1**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $16690 | $10593 | $5540 | $273015 | $— |
| Net realized gain (loss) on sales of investments | (18570) | (3337) | (954) | (178527) | 29691 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 96647 | 7456 | 3374 | 369609 | 548288 |
| Net increase (decrease) in net assets resulting from operations | 94767 | 14712 | 7960 | 464097 | 577979 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 26083 | 151836 | 17536 | 174871 | 809136 |
| Net transfers<sup>(1)</sup> <br>| (37587) | 6512 | 18569 | (47408) | 213792 |
| Transfers for policy loans | (3936) |  | (1034) | (12587) | 7514 |
| Policy charges | (28725) | (17994) | (4292) | (232276) | (143096) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (53427) |  | (696) | (227973) | (1287) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (97592) | 140354 | 30083 | (345373) | 886059 |
| Increase (decrease) in net assets | (2825) | 155066 | 38043 | 118724 | 1464038 |
| Net assets at beginning of year | 1255654 | 115701 | 66086 | 5767393 | 2849265 |
| Net assets at end of year | $1252829 | $270767 | $104129 | $5886117 | $4313303 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 622475 | 106717 | 54495 | 3644272 | 1064402 |
| Units purchased | 16930 | 137988 | 29126 | 457738 | 374927 |
| Units redeemed | (55016) | (15715) | (4730) | (576053) | (51877) |
| Units outstanding at end of year | 584389 | 228990 | 78891 | 3525957 | 1387452 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 66

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**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Col VP Lg Cap** <br> **Gro,** <br>**Cl 2**<br>| **Col VP Lg Cap** <br> **Gro,** <br>**Cl 3**<br>| **Col VP Lg Cap** <br> **Index,** <br>**Cl 1**<br>| **Col VP Lg Cap** <br> **Index,** <br>**Cl 3**<br>| **Col VP Limited** <br> **Duration Cr,** <br>**Cl 1**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $— | $(20826) | $— | $(78606) | $6076 |
| Net realized gain (loss) on sales of investments | 18662 | 291292 | 52175 | 1263732 | 57 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 78056 | 287518 | 1648823 | 1558802 | (1700) |
| Net increase (decrease) in net assets resulting from operations | 96718 | 557984 | 1700998 | 2743928 | 4433 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 34716 | 74049 | 1802485 | 377649 | 19406 |
| Net transfers<sup>(1)</sup> <br>| 6965 | (81819) | 1316885 | 292260 | 45265 |
| Transfers for policy loans | (21892) | 46932 | (25645) | (145670) |  |
| Policy charges | (9310) | (90585) | (637285) | (332753) | (8773) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (17982) | (93640) | (15607) | (670302) |  |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (7503) | (145063) | 2440833 | (478816) | 55898 |
| Increase (decrease) in net assets | 89215 | 412921 | 4141831 | 2265112 | 60331 |
| Net assets at beginning of year | 640113 | 3745761 | 8511811 | 16440960 | 44269 |
| Net assets at end of year | $729328 | $4158682 | $12653642 | $18706072 | $104600 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 108794 | 692592 | 3730062 | 2986091 | 37692 |
| Units purchased | 6793 | 82089 | 1266194 | 534824 | 53291 |
| Units redeemed | (8590) | (63796) | (280246) | (333439) | (7240) |
| Units outstanding at end of year | 106997 | 710885 | 4716010 | 3187476 | 83743 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**67 ■ RiverSource of New York Account 8**

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Col VP Limited** <br> **Duration Cr,** <br>**Cl 2**<br>| **Col VP Long** <br> **Govt/Cr Bond,** <br>**Cl 1**<br>| **Col VP Long** <br> **Govt/Cr Bond,** <br>**Cl 2**<br>| **Col VP** <br> **Overseas** <br> **Core,** <br>**Cl 1**<br>| **Col VP** <br> **Overseas** <br> **Core,** <br>**Cl 2**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $51522 | $3303 | $70 | $12543 | $3665 |
| Net realized gain (loss) on sales of investments | 750 | (1296) | (156) | 2519 | 3654 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | (3481) | (337) | 143 | 216546 | 61416 |
| Net increase (decrease) in net assets resulting from operations | 48791 | 1670 | 57 | 231608 | 68735 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 5136 | 10321 | 259 | 154775 | 7040 |
| Net transfers<sup>(1)</sup> <br>| 42766 | 15542 |  | 118179 | (18915) |
| Transfers for policy loans | (26903) |  |  |  | (120) |
| Policy charges | (18212) | (1468) | (31) | (43414) | (3525) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (9675) |  | (476) | (1580) | (110) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (6888) | 24395 | (248) | 227960 | (15630) |
| Increase (decrease) in net assets | 41903 | 26065 | (191) | 459568 | 53105 |
| Net assets at beginning of year | 882963 | 10416 | 717 | 527712 | 196503 |
| Net assets at end of year | $924866 | $36481 | $526 | $987280 | $249608 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 795296 | 10579 | 638 | 384087 | 107729 |
| Units purchased | 82715 | 25730 | 224 | 162538 | 3438 |
| Units redeemed | (93833) | (1434) | (421) | (26913) | (11904) |
| Units outstanding at end of year | 784178 | 34875 | 441 | 519712 | 99263 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 68

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**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Col VP** <br> **Overseas** <br> **Core,** <br>**Cl 3**<br>| **Col VP Sel Gbl** <br> **Tech,** <br>**Cl 1**<br>| **Col VP Sel Gbl** <br> **Tech,** <br>**Cl 2**<br>| **Col VP Select** <br> **Lg Cap Val,** <br>**Cl 1**<br>| **Col VP Select** <br> **Lg Cap Val,** <br>**Cl 2**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $52299 | $— | $— | $— | $— |
| Net realized gain (loss) on sales of investments | 172560 | 11375 | 80 | 20732 | 4797 |
| Distributions from capital gains |  | 43289 | 16586 |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 1480929 | 91265 | 35803 | 272192 | 52636 |
| Net increase (decrease) in net assets resulting from operations | 1705788 | 145929 | 52469 | 292924 | 57433 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 181719 | 111444 | 3650 | 280033 | 12228 |
| Net transfers<sup>(1)</sup> <br>| 201042 | 27603 | 48918 | (1241) | (7050) |
| Transfers for policy loans | 5749 | (37239) | 20 | (903) | (2074) |
| Policy charges | (220801) | (37903) | (583) | (88728) | (5561) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (291903) | (39) |  | (509) |  |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (124194) | 63866 | 52005 | 188652 | (2457) |
| Increase (decrease) in net assets | 1581594 | 209795 | 104474 | 481576 | 54976 |
| Net assets at beginning of year | 4623798 | 367861 | 102548 | 899340 | 204245 |
| Net assets at end of year | $6205392 | $577656 | $207022 | $1380916 | $259221 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 3143782 | 231373 | 64936 | 506999 | 55434 |
| Units purchased | 243622 | 82030 | 32959 | 147663 | 3170 |
| Units redeemed | (313047) | (43734) | (335) | (47738) | (3627) |
| Units outstanding at end of year | 3074357 | 269669 | 97560 | 606924 | 54977 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**69 ■ RiverSource of New York Account 8**

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**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Col VP Select** <br> **Lg Cap Val,** <br>**Cl 3**<br>| **Col VP Select** <br> **Mid Cap Gro,** <br>**Cl 1**<br>| **Col VP Select** <br> **Mid Cap Gro,** <br>**Cl 2**<br>| **Col VP Select** <br> **Mid Cap Gro,** <br>**Cl 3**<br>| **Col VP Select** <br> **Mid Cap Val,** <br>**Cl 1**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $(3922) | $— | $— | $(6293) | $— |
| Net realized gain (loss) on sales of investments | 99401 | 2722 | 11673 | 135119 | 1794 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 113140 | 84765 | 11042 | 45290 | 72895 |
| Net increase (decrease) in net assets resulting from operations | 208619 | 87487 | 22715 | 174116 | 74689 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 9282 | 78964 | 8606 | 21410 | 102278 |
| Net transfers<sup>(1)</sup> <br>| (41996) | 26754 | (6945) | 103658 | 17042 |
| Transfers for policy loans | 47863 | (448) |  | 12291 |  |
| Policy charges | (18364) | (18996) | (1898) | (22153) | (32196) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (34827) |  | (330) | (141872) | (249) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (38042) | 86274 | (567) | (26666) | 86875 |
| Increase (decrease) in net assets | 170577 | 173761 | 22148 | 147450 | 161564 |
| Net assets at beginning of year | 774146 | 523832 | 122265 | 1200223 | 465104 |
| Net assets at end of year | $944723 | $697593 | $144413 | $1347673 | $626668 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 186370 | 266259 | 31170 | 295741 | 258911 |
| Units purchased | 85981 | 50827 | 2027 | 49007 | 64006 |
| Units redeemed | (36327) | (9125) | (1144) | (33986) | (17398) |
| Units outstanding at end of year | 236024 | 307961 | 32053 | 310762 | 305519 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 70

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**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Col VP Select** <br> **Mid Cap Val,** <br>**Cl 2**<br>| **Col VP Select** <br> **Mid Cap Val,** <br>**Cl 3**<br>| **Col VP Select** <br> **Sm Cap Val,** <br>**Cl 1**<br>| **Col VP Select** <br> **Sm Cap Val,** <br>**Cl 2**<br>| **Col VP Select** <br> **Sm Cap Val,** <br>**Cl 3**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $— | $(4047) | $— | $— | $(5742) |
| Net realized gain (loss) on sales of investments | 3813 | 107007 | 1497 | 1109 | 130779 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 21491 | 31429 | 14277 | 11046 | (68239) |
| Net increase (decrease) in net assets resulting from operations | 25304 | 134389 | 15774 | 12155 | 56798 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 5688 | 25933 | 68518 | 6751 | 26007 |
| Net transfers<sup>(1)</sup> <br>| 5515 | (28267) | 10684 | 11546 | (129295) |
| Transfers for policy loans | (4145) | (19687) |  |  | 127 |
| Policy charges | (4243) | (23245) | (14138) | (4761) | (33422) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (2186) | (7183) | (385) |  | (30527) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | 629 | (52449) | 64679 | 13536 | (167110) |
| Increase (decrease) in net assets | 25933 | 81940 | 80453 | 25691 | (110312) |
| Net assets at beginning of year | 178516 | 988743 | 166369 | 169828 | 1217309 |
| Net assets at end of year | $204449 | $1070683 | $246822 | $195519 | $1106997 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 51264 | 285745 | 104737 | 53584 | 275450 |
| Units purchased | 3125 | 97591 | 50281 | 5973 | 65009 |
| Units redeemed | (2831) | (49830) | (9233) | (1523) | (56301) |
| Units outstanding at end of year | 51558 | 333506 | 145785 | 58034 | 284158 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**71 ■ RiverSource of New York Account 8**

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**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Col VP** <br> **Strategic Inc,** <br>**Cl 1**<br>| **Col VP** <br> **Strategic Inc,** <br>**Cl 2**<br>| **Col VP US** <br> **Govt Mtge,** <br>**Cl 1**<br>| **Col VP US** <br> **Govt Mtge,** <br>**Cl 2**<br>| **Col VP US** <br> **Govt Mtge,** <br>**Cl 3**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $10960 | $13313 | $585 | $305 | $18842 |
| Net realized gain (loss) on sales of investments | (220) | 1385 | (29) | (201) | (27642) |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 5128 | 6478 | 1604 | 1330 | 106656 |
| Net increase (decrease) in net assets resulting from operations | 15868 | 21176 | 2160 | 1434 | 97856 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 44078 | 37060 | 4418 | 306 | 53282 |
| Net transfers<sup>(1)</sup> <br>| 19658 | 16473 | 501 | (4189) | (22024) |
| Transfers for policy loans | (253) | (6037) |  |  | (7083) |
| Policy charges | (15848) | (80760) | (2096) | (955) | (60268) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits |  |  |  |  | (8693) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | 47635 | (33264) | 2823 | (4838) | (44786) |
| Increase (decrease) in net assets | 63503 | (12088) | 4983 | (3404) | 53070 |
| Net assets at beginning of year | 203851 | 283993 | 21954 | 18922 | 1184019 |
| Net assets at end of year | $267354 | $271905 | $26937 | $15518 | $1237089 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 171794 | 199307 | 21645 | 16665 | 974870 |
| Units purchased | 51196 | 37576 | 4652 | 259 | 169431 |
| Units redeemed | (13049) | (58815) | (1975) | (4366) | (197669) |
| Units outstanding at end of year | 209941 | 178068 | 24322 | 12558 | 946632 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 72

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**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **CS Commodity** <br> **Return,** <br>**Cl 1**<br>| **CTIVP AC Div** <br> **Bond,** <br>**Cl 1**<br>| **CTIVP AC Div** <br> **Bond,** <br>**Cl 2**<br>| **CTIVP BR Gl** <br> **Infl Prot Sec,** <br>**Cl 1**<br>| **CTIVP BR Gl** <br> **Infl Prot Sec,** <br>**Cl 2**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $14117 | $1459 | $773 | $1883 | $707 |
| Net realized gain (loss) on sales of investments | (8319) | (313) | (140) | (1991) | (25) |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 48528 | 1899 | 1175 | 2165 | 68 |
| Net increase (decrease) in net assets resulting from operations | 54326 | 3045 | 1808 | 2057 | 750 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 13319 | 12997 | 1320 | 7715 | 2726 |
| Net transfers<sup>(1)</sup> <br>| 4965 | 4788 |  | 12 |  |
| Transfers for policy loans | (1480) |  | 551 | (5606) |  |
| Policy charges | (8072) | (1991) | (1264) | (2824) | (529) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (3692) |  |  |  | (30) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | 5040 | 15794 | 607 | (703) | 2167 |
| Increase (decrease) in net assets | 59366 | 18839 | 2415 | 1354 | 2917 |
| Net assets at beginning of year | 363733 | 29756 | 24391 | 47976 | 18696 |
| Net assets at end of year | $423099 | $48595 | $26806 | $49330 | $21613 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 415316 | 27933 | 20694 | 46547 | 15984 |
| Units purchased | 38593 | 16311 | 1547 | 7354 | 2280 |
| Units redeemed | (31766) | (1800) | (1034) | (7981) | (469) |
| Units outstanding at end of year | 422143 | 42444 | 21207 | 45920 | 17795 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**73 ■ RiverSource of New York Account 8**

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**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **CTIVP BR Gl** <br> **Infl Prot Sec,** <br>**Cl 3**<br>| **CTIVP** <br> **CenterSquare** <br> **Real Est,** <br>**Cl 1**<br>| **CTIVP** <br> **CenterSquare** <br> **Real Est,** <br>**Cl 2**<br>| **CTIVP Prin Lg** <br> **Cap Gro,** <br>**Cl 1**<br>| **CTIVP Prin Lg** <br> **Cap Gro,** <br>**Cl 2**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $15116 | $2445 | $5365 | $— | $— |
| Net realized gain (loss) on sales of investments | (30924) | (261) | (4028) | 1545 | 5083 |
| Distributions from capital gains |  | 4446 | 10651 |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 32565 | (4734) | (7746) | 24164 | 8434 |
| Net increase (decrease) in net assets resulting from operations | 16757 | 1896 | 4242 | 25709 | 13517 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 24886 | 12745 | 11379 | 31705 | 6350 |
| Net transfers<sup>(1)</sup> <br>| (11119) | (828) | (4581) | 14161 |  |
| Transfers for policy loans | 1580 | (1633) | (9036) | (448) | (8577) |
| Policy charges | (32361) | (3072) | (6516) | (11799) | (4036) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (29251) |  | (2952) |  | (3309) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (46265) | 7212 | (11706) | 33619 | (9572) |
| Increase (decrease) in net assets | (29508) | 9108 | (7464) | 59328 | 3945 |
| Net assets at beginning of year | 517698 | 80823 | 207575 | 165077 | 116623 |
| Net assets at end of year | $488190 | $89931 | $200111 | $224405 | $120568 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 385099 | 56675 | 101951 | 73703 | 22022 |
| Units purchased | 50344 | 8857 | 5538 | 19458 | 1111 |
| Units redeemed | (76519) | (3823) | (11233) | (5100) | (3072) |
| Units outstanding at end of year | 358924 | 61709 | 96256 | 88061 | 20061 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 74

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**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **CTIVP T Rowe** <br> **Price LgCap** <br> **Val,** <br>**Cl 1**<br>| **CTIVP T Rowe** <br> **Price LgCap** <br> **Val,** <br>**Cl 2**<br>| **CTIVP TCW** <br> **Core Plus** <br> **Bond,** <br>**Cl 1**<br>| **CTIVP TCW** <br> **Core Plus** <br> **Bond,** <br>**Cl 2**<br>| **CTIVP Vty** <br> **Sycamore Estb** <br> **Val,** <br>**Cl 1**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $— | $— | $4102 | $1975 | $— |
| Net realized gain (loss) on sales of investments | 5054 | 1349 | (311) | (65) | 9271 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 31402 | 17676 | 2478 | 1111 | 11051 |
| Net increase (decrease) in net assets resulting from operations | 36456 | 19025 | 6269 | 3021 | 20322 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 78188 | 6465 | 8588 | 647 | 171759 |
| Net transfers<sup>(1)</sup> <br>| 37174 | 5355 | (289) |  | 11277 |
| Transfers for policy loans | 651 | (165) |  |  | (16859) |
| Policy charges | (23587) | (1723) | (5623) | (1315) | (36026) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (534) |  |  |  | (221) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | 91892 | 9932 | 2676 | (668) | 129930 |
| Increase (decrease) in net assets | 128348 | 28957 | 8945 | 2353 | 150252 |
| Net assets at beginning of year | 229224 | 150027 | 83356 | 42424 | 757846 |
| Net assets at end of year | $357572 | $178984 | $92301 | $44777 | $908098 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 133695 | 53322 | 78699 | 37292 | 400633 |
| Units purchased | 65369 | 4053 | 7703 | 546 | 96621 |
| Units redeemed | (13514) | (638) | (5371) | (1118) | (27823) |
| Units outstanding at end of year | 185550 | 56737 | 81031 | 36720 | 469431 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**75 ■ RiverSource of New York Account 8**

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**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **CTIVP Vty** <br> **Sycamore Estb** <br> **Val,** <br>**Cl 2**<br>| **CTIVP Vty** <br> **Sycamore Estb** <br> **Val,** <br>**Cl 3**<br>| **CTIVP** <br> **Wellington Lg** <br> **Cap Val,** <br>**Cl 1**<br>| **CTIVP** <br> **Wellington Lg** <br> **Cap Val,** <br>**Cl 2**<br>| **CTIVP** <br> **Westfield Mid** <br> **Cap Gro,** <br>**Cl 1**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $— | $(6453) | $— | $— | $— |
| Net realized gain (loss) on sales of investments | 53675 | 76809 | 4888 | 11463 | 7007 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | (44498) | (41005) | 120892 | 47818 | 9279 |
| Net increase (decrease) in net assets resulting from operations | 9177 | 29351 | 125780 | 59281 | 16286 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 34448 | 15986 | 131384 | 13620 | 45580 |
| Net transfers<sup>(1)</sup> <br>| (98402) | 301581 | 131902 | 6491 | (15768) |
| Transfers for policy loans | 1 | 37127 |  | (140) | 806 |
| Policy charges | (12147) | (13902) | (48902) | (5929) | (7866) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (334) | (109868) | (966) | (725) |  |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (76434) | 230924 | 213418 | 13317 | 22752 |
| Increase (decrease) in net assets | (67257) | 260275 | 339198 | 72598 | 39038 |
| Net assets at beginning of year | 548799 | 1112696 | 533567 | 285727 | 120981 |
| Net assets at end of year | $481542 | $1372971 | $872765 | $358325 | $160019 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 135268 | 221544 | 312584 | 86525 | 61424 |
| Units purchased | 8485 | 118766 | 140783 | 6119 | 22743 |
| Units redeemed | (27391) | (33169) | (26987) | (1924) | (10572) |
| Units outstanding at end of year | 116362 | 307141 | 426380 | 90720 | 73595 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 76

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**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **CTIVP** <br> **Westfield Mid** <br> **Cap Gro,** <br>**Cl 2**<br>| **CTIVP** <br> **Westfield Sel** <br> **Lg Cp Gr,** <br>**Cl 1**<br>| **CTIVP** <br> **Westfield Sel** <br> **Lg Cp Gr,** <br>**Cl 2**<br>| **CVT EAFE Intl** <br> **Index,** <br>**Cl F**<br>| **CVT EAFE Intl** <br> **Index,** <br>**Cl I**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $— | $— | $— | $440 | $7400 |
| Net realized gain (loss) on sales of investments | 8277 | 1696 | 853 | 394 | 5944 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | (3787) | 38118 | 10991 | 3906 | 56684 |
| Net increase (decrease) in net assets resulting from operations | 4490 | 39814 | 11844 | 4740 | 70028 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 3121 | 20095 | 4738 |  | 133983 |
| Net transfers<sup>(1)</sup> <br>| (29430) | 3124 | (888) | (2465) | 131339 |
| Transfers for policy loans | 6 |  | (1389) |  |  |
| Policy charges | (501) | (8715) | (2597) | (1937) | (20150) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (1213) |  |  |  | (216) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (28017) | 14504 | (136) | (4402) | 244956 |
| Increase (decrease) in net assets | (23527) | 54318 | 11708 | 338 | 314984 |
| Net assets at beginning of year | 90162 | 215499 | 67471 | 18261 | 169263 |
| Net assets at end of year | $66635 | $269817 | $79179 | $18599 | $484247 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 23850 | 116506 | 15818 | 15401 | 142007 |
| Units purchased | 804 | 12350 | 1175 |  | 182629 |
| Units redeemed | (8648) | (4466) | (1125) | (3394) | (14274) |
| Units outstanding at end of year | 16006 | 124390 | 15868 | 12007 | 310362 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**77 ■ RiverSource of New York Account 8**

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **CVT Nasdaq** <br> **100 Index,** <br>**Cl F**<br>| **CVT Nasdaq** <br> **100 Index,** <br>**Cl I**<br>| **CVT Russ 2000** <br> **Sm Cap Ind,** <br>**Cl F**<br>| **CVT Russ 2000** <br> **Sm Cap Ind,** <br>**Cl I**<br>| **DWS Alt Asset** <br> **Alloc VIP,** <br>**Cl A**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $263 | $1556 | $291 | $1978 | $6833 |
| Net realized gain (loss) on sales of investments | 2178 | 3106 | 77 | 680 | 308 |
| Distributions from capital gains | 1542 | 9131 | 947 | 6435 |  |
| Net change in unrealized appreciation (depreciation) of investments | 12249 | 87968 | 844 | 7090 | 10582 |
| Net increase (decrease) in net assets resulting from operations | 16232 | 101761 | 2159 | 16183 | 17723 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 14425 | 234792 | 3146 | 109605 | 48189 |
| Net transfers<sup>(1)</sup> <br>| 5586 | 52005 |  | 68005 | 67159 |
| Transfers for policy loans | 20 | (1229) |  |  | (858) |
| Policy charges | (2712) | (52974) | (1817) | (16597) | (10380) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits |  |  |  |  | (114) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | 17319 | 232594 | 1329 | 161013 | 103996 |
| Increase (decrease) in net assets | 33551 | 334355 | 3488 | 177196 | 121719 |
| Net assets at beginning of year | 65957 | 360945 | 16721 | 86606 | 135029 |
| Net assets at end of year | $99508 | $695300 | $20209 | $263802 | $256748 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 40194 | 218493 | 13588 | 70000 | 101885 |
| Units purchased | 11847 | 161822 | 2511 | 132808 | 81540 |
| Units redeemed | (1550) | (30720) | (1466) | (13201) | (8101) |
| Units outstanding at end of year | 50491 | 349595 | 14633 | 189607 | 175324 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 78

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**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **DWS Alt Asset** <br> **Alloc VIP,** <br>**Cl B**<br>| **EV VT** <br> **Floating-Rate** <br> **Inc, Init Cl**<br>| **EV VT** <br> **Floating-Rate** <br> **Inc, Inst Cl**<sup>(2)</sup> <br>| **Fid VIP** <br> **Contrafund,** <br> **Init Cl**<br>| **Fid VIP** <br> **Contrafund,** <br>**Serv Cl 2**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $11945 | $84489 | $461 | $4099 | $(40688) |
| Net realized gain (loss) on sales of investments | 818 | (20442) | (3) | 9543 | 215284 |
| Distributions from capital gains |  |  |  | 448457 | 1515934 |
| Net change in unrealized appreciation (depreciation) of investments | 21580 | (18428) | (207) | 56370 | 6134 |
| Net increase (decrease) in net assets resulting from operations | 34343 | 45619 | 251 | 518469 | 1696664 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 13426 | 16788 | 546 | 603665 | 256998 |
| Net transfers<sup>(1)</sup> <br>| 77838 | (125599) | 40 | 206480 | 262772 |
| Transfers for policy loans | (16345) | (45926) |  | (18327) | 153743 |
| Policy charges | (9751) | (27715) | (314) | (131854) | (204856) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (10085) | (36596) |  | (15495) | (171548) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | 55083 | (219048) | 272 | 644469 | 297109 |
| Increase (decrease) in net assets | 89426 | (173429) | 523 | 1162938 | 1993773 |
| Net assets at beginning of year | 308271 | 1455720 | 6126 | 2012247 | 7879819 |
| Net assets at end of year | $397697 | $1282291 | $6649 | $3175185 | $9873592 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 228440 | 888922 | 3673 | 785153 | 1384664 |
| Units purchased | 70790 | 74759 | 507 | 294371 | 357287 |
| Units redeemed | (25457) | (181643) | (285) | (59676) | (133853) |
| Units outstanding at end of year | 273773 | 782038 | 3895 | 1019848 | 1608098 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**79 ■ RiverSource of New York Account 8**

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**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Fid VIP Emer** <br> **Mkts, Init Cl**<br>| **Fid VIP** <br> **Energy, Init Cl**<br>| **Fid VIP Gro &** <br> **Inc,** <br>**Serv Cl**<br>| **Fid VIP Gro &** <br> **Inc,** <br>**Serv Cl 2**<br>| **Fid VIP Gro** <br> **Opp, Init Cl**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $953 | $53 | $46080 | $28709 | $— |
| Net realized gain (loss) on sales of investments | 1176 | (30) | 202600 | 198305 | (221) |
| Distributions from capital gains | 367 |  | 527382 | 271539 | 1340 |
| Net change in unrealized appreciation (depreciation) of investments | 13212 | 169 | 260018 | 23816 | 14725 |
| Net increase (decrease) in net assets resulting from operations | 15708 | 192 | 1036080 | 522369 | 15844 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 36813 | 1496 | 100954 | 49296 | 9860 |
| Net transfers<sup>(1)</sup> <br>| 3581 | 36 | (16043) | 171189 | (28195) |
| Transfers for policy loans |  |  | 91723 | (62537) |  |
| Policy charges | (1337) | (95) | (178509) | (54894) | (797) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (96) |  | (305745) | (51970) |  |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | 38961 | 1437 | (307620) | 51084 | (19132) |
| Increase (decrease) in net assets | 54669 | 1629 | 728460 | 573453 | (3288) |
| Net assets at beginning of year | 3298 | 1231 | 5240442 | 2453023 | 98715 |
| Net assets at end of year | $57967 | $2860 | $5968902 | $3026476 | $95427 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 2833 | 1061 | 855419 | 852975 | 71300 |
| Units purchased | 34367 | 1366 | 43578 | 234758 | 6588 |
| Units redeemed | (987) | (86) | (86184) | (174360) | (21369) |
| Units outstanding at end of year | 36213 | 2341 | 812813 | 913373 | 56519 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 80

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**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Fid VIP Invest** <br> **Gr, Init Cl**<br>| **Fid VIP Mid** <br> **Cap, Init Cl**<br>| **Fid VIP Mid** <br> **Cap,** <br>**Serv Cl**<br>| **Fid VIP Mid** <br> **Cap,** <br>**Serv Cl 2**<br>| **Fid VIP** <br> **Overseas,** <br>**Serv Cl**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $1593 | $5421 | $(19347) | $(4594) | $15435 |
| Net realized gain (loss) on sales of investments | 15 | (18375) | 44042 | (22292) | 29057 |
| Distributions from capital gains |  | 123826 | 707850 | 703456 | 161537 |
| Net change in unrealized appreciation (depreciation) of investments | 1325 | 37342 | (67996) | (30392) | 98772 |
| Net increase (decrease) in net assets resulting from operations | 2933 | 148214 | 664549 | 646178 | 304801 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 16417 | 340009 | 100739 | 125249 | 39313 |
| Net transfers<sup>(1)</sup> <br>| 3803 | 155184 | (42504) | 56972 | (7065) |
| Transfers for policy loans |  | (7038) | 1534 | (56317) | 21872 |
| Policy charges | (5305) | (65605) | (196339) | (103220) | (43037) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits |  | (5633) | (256360) | (95016) | (49764) |
| Death benefits |  |  |  | (18343) |  |
| Increase (decrease) from transactions | 14915 | 416917 | (392930) | (90675) | (38681) |
| Increase (decrease) in net assets | 17848 | 565131 | 271619 | 555503 | 266120 |
| Net assets at beginning of year | 36743 | 869539 | 6222657 | 5802465 | 1589418 |
| Net assets at end of year | $54591 | $1434670 | $6494276 | $6357968 | $1855538 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 36034 | 476008 | 915663 | 2223076 | 595510 |
| Units purchased | 18867 | 268636 | 21585 | 498124 | 18585 |
| Units redeemed | (4971) | (41869) | (75417) | (429290) | (33621) |
| Units outstanding at end of year | 49930 | 702775 | 861831 | 2291910 | 580474 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**81 ■ RiverSource of New York Account 8**

------

**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Fid VIP** <br> **Overseas,** <br>**Serv Cl 2**<br>| **Fid VIP** <br> **Strategic Inc,** <br> **Init Cl**<br>| **Fid VIP** <br> **Strategic Inc,** <br>**Serv Cl 2**<br>| **Frank Global** <br> **Real Est,** <br>**Cl 2**<br>| **Frank Inc,** <br>**Cl 1**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $14034 | $25599 | $2077 | $16885 | $3603 |
| Net realized gain (loss) on sales of investments | 63177 | 3421 | 74 | (40672) | 115 |
| Distributions from capital gains | 121771 |  |  |  | 721 |
| Net change in unrealized appreciation (depreciation) of investments | 36156 | 23516 | 1828 | 155428 | 4783 |
| Net increase (decrease) in net assets resulting from operations | 235138 | 52536 | 3979 | 131641 | 9222 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 29670 | 185821 | 21142 | 67536 | 56560 |
| Net transfers<sup>(1)</sup> <br>| (63757) | (216800) | 21991 | (50105) | 5251 |
| Transfers for policy loans | (779) | (11856) | (232) | 9558 |  |
| Policy charges | (21265) | (42357) | (2245) | (62796) | (8884) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (26815) | (2988) | (771) | (52984) |  |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (82946) | (88180) | 39885 | (88791) | 52927 |
| Increase (decrease) in net assets | 152192 | (35644) | 43864 | 42850 | 62149 |
| Net assets at beginning of year | 1237285 | 601820 | 23289 | 1802383 | 61370 |
| Net assets at end of year | $1389477 | $566176 | $67153 | $1845233 | $123519 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 693170 | 492241 | 16021 | 835984 | 43489 |
| Units purchased | 91795 | 146811 | 28644 | 134387 | 39965 |
| Units redeemed | (126529) | (213607) | (2120) | (117436) | (5907) |
| Units outstanding at end of year | 658436 | 425445 | 42545 | 852935 | 77547 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 82

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**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Frank Inc,** <br>**Cl 2**<br>| **Frank Mutual** <br> **Shares,** <br>**Cl 1**<br>| **Frank Mutual** <br> **Shares,** <br>**Cl 2**<br>| **Frank Sm Cap** <br> **Val,** <br>**Cl 1**<br>| **Frank Sm Cap** <br> **Val,** <br>**Cl 2**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $21686 | $815 | $30110 | $3492 | $18294 |
| Net realized gain (loss) on sales of investments | (815) | 119 | (34453) | 299 | (58041) |
| Distributions from capital gains | 5098 | 3536 | 185784 | 21971 | 246722 |
| Net change in unrealized appreciation (depreciation) of investments | 28193 | (714) | 12079 | (1051) | (1084) |
| Net increase (decrease) in net assets resulting from operations | 54162 | 3756 | 193520 | 24711 | 205891 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 9348 | 6526 | 56894 | 111569 | 53331 |
| Net transfers<sup>(1)</sup> <br>| 28815 |  | 14328 | 7849 | (40773) |
| Transfers for policy loans | 3997 |  | (12051) |  | (20050) |
| Policy charges | (16940) | (2704) | (37630) | (17181) | (58683) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (48117) |  | (9548) | (1339) | (49492) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (22897) | 3822 | 11993 | 100898 | (115667) |
| Increase (decrease) in net assets | 31265 | 7578 | 205513 | 125609 | 90224 |
| Net assets at beginning of year | 478492 | 30565 | 1752176 | 247381 | 2972298 |
| Net assets at end of year | $509757 | $38143 | $1957689 | $372990 | $3062522 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 313296 | 20534 | 576964 | 148955 | 707609 |
| Units purchased | 29066 | 4124 | 236240 | 70298 | 188524 |
| Units redeemed | (46940) | (1741) | (125769) | (11082) | (99821) |
| Units outstanding at end of year | 295422 | 22917 | 687435 | 208171 | 796312 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**83 ■ RiverSource of New York Account 8**

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**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **GS VIT Mid** <br> **Cap Val, Inst**<br>| **GS VIT Sm Cap** <br> **Eq Insights,** <br> **Inst**<br>| **GS VIT U.S. Eq** <br> **Insights, Inst**<br>| **Invesco VI Am** <br> **Fran, Ser I**<br>| **Invesco VI Am** <br> **Fran, Ser II**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $44442 | $630 | $6908 | $(5190) | $(4648) |
| Net realized gain (loss) on sales of investments | 45650 | 3999 | 151517 | 33931 | 32587 |
| Distributions from capital gains | 681715 | 33849 | 411506 | 73992 | 126809 |
| Net change in unrealized appreciation (depreciation) of investments | (239111) | 17456 | (120072) | (23239) | (31960) |
| Net increase (decrease) in net assets resulting from operations | 532696 | 55934 | 449859 | 79494 | 122788 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 126800 | 8955 | 62511 | 10026 | 12068 |
| Net transfers<sup>(1)</sup> <br>| (137276) | (1627) | (156860) | (5156) | (18393) |
| Transfers for policy loans | (187) | 2889 | (38583) | 11251 | 2915 |
| Policy charges | (141745) | (12546) | (61594) | (23491) | (14096) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (187601) | (62957) | (97358) | (59715) | (15836) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (340009) | (65286) | (291884) | (67085) | (33342) |
| Increase (decrease) in net assets | 192687 | (9352) | 157975 | 12409 | 89446 |
| Net assets at beginning of year | 6330532 | 446097 | 3151214 | 773227 | 1174764 |
| Net assets at end of year | $6523219 | $436745 | $3309189 | $785636 | $1264210 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 1354490 | 73025 | 537375 | 150898 | 285793 |
| Units purchased | 335356 | 2039 | 159126 | 4379 | 40082 |
| Units redeemed | (210714) | (14664) | (112571) | (16710) | (37707) |
| Units outstanding at end of year | 1479132 | 60400 | 583930 | 138567 | 288168 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 84

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**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Invesco VI Bal** <br> **Risk Alloc, Ser** <br> **I**<br>| **Invesco VI Bal** <br> **Risk Alloc, Ser** <br> **II**<br>| **Invesco VI** <br> **Comstock, Ser** <br> **II**<br>| **Invesco VI** <br> **Core Eq, Ser I**<br>| **Invesco VI Dis** <br> **Mid Cap** <br> **Gro, Ser I**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $2985 | $19802 | $5050 | $(25199) | $(5166) |
| Net realized gain (loss) on sales of investments | (462) | (1247) | 5825 | 257385 | 9849 |
| Distributions from capital gains |  |  | 62727 | 914520 | 82408 |
| Net change in unrealized appreciation (depreciation) of investments | 872 | 5319 | 14869 | 591269 | (45023) |
| Net increase (decrease) in net assets resulting from operations | 3395 | 23874 | 88471 | 1737975 | 42068 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 12576 | 8880 | 5943 | 268723 | 31938 |
| Net transfers<sup>(1)</sup> <br>| (3021) | 8726 | 11958 | (243252) | 10370 |
| Transfers for policy loans |  | 454 | 1245 | (13091) | (788) |
| Policy charges | (2859) | (2532) | (10388) | (397552) | (19783) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits |  | (177) | (7968) | (850712) | (30514) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | 6696 | 15351 | 790 | (1235884) | (8777) |
| Increase (decrease) in net assets | 10091 | 39225 | 89261 | 502091 | 33291 |
| Net assets at beginning of year | 35948 | 279578 | 533190 | 11977612 | 976451 |
| Net assets at end of year | $46039 | $318803 | $622451 | $12479703 | $1009742 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 29080 | 201489 | 136271 | 1889391 | 571573 |
| Units purchased | 9778 | 14711 | 28292 | 41253 | 68148 |
| Units redeemed | (4694) | (3797) | (12398) | (224237) | (65286) |
| Units outstanding at end of year | 34164 | 212403 | 152165 | 1706407 | 574435 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**85 ■ RiverSource of New York Account 8**

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**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Invesco VI Div** <br> **Divd, Ser I**<br>| **Invesco VI** <br> **EQV Intl** <br> **Eq, Ser II**<br>| **Invesco VI Gbl** <br> **Strat Inc, Ser I**<br>| **Invesco VI Gbl** <br> **Strat Inc, Ser** <br> **II**<br>| **Invesco VI** <br> **Global, Ser I**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $11408 | $6050 | $3210 | $78214 | $— |
| Net realized gain (loss) on sales of investments | 17359 | 18129 | 814 | (15634) | 985 |
| Distributions from capital gains | 79032 | 62473 |  |  | 135195 |
| Net change in unrealized appreciation (depreciation) of investments | 37647 | 68014 | 2219 | 117179 | (38338) |
| Net increase (decrease) in net assets resulting from operations | 145446 | 154666 | 6243 | 179759 | 97842 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 13317 | 25512 | 16884 | 44873 | 137268 |
| Net transfers<sup>(1)</sup> <br>| (3598) | (46071) | (4847) | 5375 | 3828 |
| Transfers for policy loans | 9237 | 1434 |  | 106780 | 3360 |
| Policy charges | (19390) | (19652) | (4297) | (48464) | (35198) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (175167) | (173610) |  | (60792) | (377) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (175601) | (212387) | 7740 | 47772 | 108881 |
| Increase (decrease) in net assets | (30155) | (57721) | 13983 | 227531 | 206723 |
| Net assets at beginning of year | 1107258 | 1066345 | 44542 | 1440992 | 573558 |
| Net assets at end of year | $1077103 | $1008624 | $58525 | $1668523 | $780281 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 376100 | 463932 | 42297 | 948955 | 315937 |
| Units purchased | 18035 | 43350 | 15053 | 185226 | 75394 |
| Units redeemed | (82783) | (110697) | (8162) | (110951) | (18629) |
| Units outstanding at end of year | 311352 | 396585 | 49188 | 1023230 | 372702 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 86

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**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Invesco VI** <br> **Global, Ser II**<br>| **Invesco VI** <br> **Mn St Sm** <br> **Cap, Ser I**<br>| **Invesco VI** <br> **Mn St Sm** <br> **Cap, Ser II**<br>| **Invesco VI** <br> **Tech, Ser I**<br>| **Invesco VI** <br> **Tech, Ser II**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $(6596) | $2698 | $(1732) | $(7900) | $— |
| Net realized gain (loss) on sales of investments | 13162 | (1014) | 27962 | 45498 | 86 |
| Distributions from capital gains | 345924 | 60557 | 212569 | 223546 | 1234 |
| Net change in unrealized appreciation (depreciation) of investments | (105227) | (7979) | (73334) | 109869 | 360 |
| Net increase (decrease) in net assets resulting from operations | 247263 | 54262 | 165465 | 371013 | 1680 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 70062 | 129572 | 50751 | 76771 |  |
| Net transfers<sup>(1)</sup> <br>| (62458) | 47764 | 89302 | (1818) |  |
| Transfers for policy loans | 5320 | (1205) | (50148) | 8654 |  |
| Policy charges | (32744) | (29859) | (30415) | (41847) | (301) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (48614) | (2098) | (79914) | (75651) |  |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (68434) | 144174 | (20424) | (33891) | (301) |
| Increase (decrease) in net assets | 178829 | 198436 | 145041 | 337122 | 1379 |
| Net assets at beginning of year | 1722539 | 454948 | 1998634 | 1746829 | 8599 |
| Net assets at end of year | $1901368 | $653384 | $2143675 | $2083951 | $9978 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 409134 | 256773 | 508352 | 379599 | 5424 |
| Units purchased | 70061 | 100902 | 55995 | 98499 |  |
| Units redeemed | (58066) | (18419) | (54780) | (31773) | (187) |
| Units outstanding at end of year | 421129 | 339256 | 509567 | 446325 | 5237 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**87 ■ RiverSource of New York Account 8**

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**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Janus Hend** <br> **VIT Gbl Tech** <br> **Innov, Srv**<br>| **Janus** <br> **Henderson VIT** <br> **Bal, Inst**<br>| **Janus** <br> **Henderson VIT** <br> **Bal, Serv**<br>| **Janus** <br> **Henderson VIT** <br> **Enter, Serv**<br>| **Janus** <br> **Henderson VIT** <br> **Flex Bd, Inst**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $(15125) | $22720 | $947 | $(4414) | $27380 |
| Net realized gain (loss) on sales of investments | 129195 | 3630 | 152 | 5566 | (520) |
| Distributions from capital gains | 265641 | 35265 | 1672 | 78476 |  |
| Net change in unrealized appreciation (depreciation) of investments | 250275 | 95148 | 4839 | (18166) | 7669 |
| Net increase (decrease) in net assets resulting from operations | 629986 | 156763 | 7610 | 61462 | 34529 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 38361 | 131609 | 1843 | 11440 | 112418 |
| Net transfers<sup>(1)</sup> <br>| (17114) | 143211 |  | 1306 | 68532 |
| Transfers for policy loans | 18070 | (4074) |  | (1532) |  |
| Policy charges | (50945) | (45216) | (653) | (13089) | (35115) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (66814) |  | (87) | (17814) | (658) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (78442) | 225530 | 1103 | (19689) | 145177 |
| Increase (decrease) in net assets | 551544 | 382293 | 8713 | 41773 | 179706 |
| Net assets at beginning of year | 2644952 | 971399 | 50813 | 907723 | 388337 |
| Net assets at end of year | $3196496 | $1353692 | $59526 | $949496 | $568043 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 290659 | 568545 | 28302 | 116033 | 353189 |
| Units purchased | 70786 | 146804 | 962 | 2143 | 159099 |
| Units redeemed | (32852) | (27025) | (389) | (5395) | (31256) |
| Units outstanding at end of year | 328593 | 688324 | 28875 | 112781 | 481032 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 88

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**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Janus** <br> **Henderson VIT** <br> **Flex Bd, Serv**<br>| **Janus** <br> **Henderson VIT** <br> **Overseas,** <br> **Serv**<br>| **Janus** <br> **Henderson VIT** <br> **Res, Inst**<br>| **Janus** <br> **Henderson VIT** <br> **Res, Serv**<br>| **Lazard Ret** <br> **Global Dyn** <br> **MA, Inv**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $2495 | $15431 | $— | $(4383) | $274 |
| Net realized gain (loss) on sales of investments | (10) | 50741 | 58 | 33040 | 193 |
| Distributions from capital gains |  |  | 6173 | 65748 | 607 |
| Net change in unrealized appreciation (depreciation) of investments | 1189 | 421123 | 8575 | 39956 | 2101 |
| Net increase (decrease) in net assets resulting from operations | 3674 | 487295 | 14806 | 134361 | 3175 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 6757 | 54505 | 5281 | 15594 | 7882 |
| Net transfers<sup>(1)</sup> <br>|  | 13949 | 10389 | (29514) |  |
| Transfers for policy loans |  | 10950 |  | (3527) |  |
| Policy charges | (425) | (61068) | (1568) | (15826) | (3218) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits |  | (44010) |  | (12021) |  |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | 6332 | (25674) | 14102 | (45294) | 4664 |
| Increase (decrease) in net assets | 10006 | 461621 | 28908 | 89067 | 7839 |
| Net assets at beginning of year | 46913 | 1751750 | 73477 | 803181 | 16369 |
| Net assets at end of year | $56919 | $2213371 | $102385 | $892248 | $24208 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 38882 | 697030 | 28416 | 128108 | 13258 |
| Units purchased | 5454 | 69443 | 5599 | 16678 | 6101 |
| Units redeemed | (340) | (58378) | (569) | (13574) | (2453) |
| Units outstanding at end of year | 43996 | 708095 | 33446 | 131212 | 16906 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**89 ■ RiverSource of New York Account 8**

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**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Lazard Ret** <br> **Global Dyn** <br> **MA, Serv**<br>| **Lord Abt Bond** <br> **Debenture,** <br>**Cl VC**<br>| **LVIP AC Intl,** <br>**Serv Cl**<br>| **LVIP AC Intl,** <br> **Std** <br>**Cl II**<br>| **LVIP AC Mid** <br> **Cap Val, Std** <br>**Cl II**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $90 | $1510 | $5414 | $3711 | $873 |
| Net realized gain (loss) on sales of investments | 72 | (43) | 8194 | 6193 | (9) |
| Distributions from capital gains | 455 |  |  |  | 3815 |
| Net change in unrealized appreciation (depreciation) of investments | 1712 | 228 | 87740 | 79417 | (1900) |
| Net increase (decrease) in net assets resulting from operations | 2329 | 1695 | 101348 | 89321 | 2779 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 227 | 5500 | 20204 | 17867 | 14842 |
| Net transfers<sup>(1)</sup> <br>| (58) |  | (8294) | (978) | 12052 |
| Transfers for policy loans | 3254 |  | 1178 | 9784 |  |
| Policy charges | (571) | (2358) | (10675) | (22180) | (4756) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits |  |  | (3741) | (17442) |  |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | 2852 | 3142 | (1328) | (12949) | 22138 |
| Increase (decrease) in net assets | 5181 | 4837 | 100020 | 76372 | 24917 |
| Net assets at beginning of year | 15700 | 21150 | 659800 | 587922 | 24162 |
| Net assets at end of year | $20881 | $25987 | $759820 | $664294 | $49079 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 10634 | 19857 | 423884 | 245736 | 22198 |
| Units purchased | 2701 | 4808 | 64888 | 9990 | 23354 |
| Units redeemed | (1065) | (2142) | (57857) | (15859) | (4184) |
| Units outstanding at end of year | 12270 | 22523 | 430915 | 239867 | 41368 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 90

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**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **LVIP AC Val,** <br>**Serv Cl**<br>| **LVIP AC Val,** <br> **Std** <br>**Cl II**<br>| **MFS Gbl Real** <br> **Est, Init Cl**<br>| **MFS Intl Gro,** <br> **Init Cl**<br>| **MFS Mass Inv** <br> **Gro Stock,** <br>**Serv Cl**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $28579 | $37822 | $2 | $1773 | $(15986) |
| Net realized gain (loss) on sales of investments | 92296 | 106955 |  | 3156 | 102585 |
| Distributions from capital gains | 190564 | 309726 |  | 10547 | 452917 |
| Net change in unrealized appreciation (depreciation) of investments | 41933 | 119770 | 2 | 15475 | (279561) |
| Net increase (decrease) in net assets resulting from operations | 353372 | 574273 | 4 | 30951 | 259955 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 55715 | 120360 |  | 118928 | 42075 |
| Net transfers<sup>(1)</sup> <br>| 14844 | (85553) | 73 | 24079 | (266850) |
| Transfers for policy loans | (11068) | (10239) |  |  | (18645) |
| Policy charges | (47920) | (137635) | (26) | (11947) | (66532) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (28113) | (143434) |  |  | (511939) |
| Death benefits | (40596) |  |  |  |  |
| Increase (decrease) from transactions | (57138) | (256501) | 47 | 131060 | (821891) |
| Increase (decrease) in net assets | 296234 | 317772 | 51 | 162011 | (561936) |
| Net assets at beginning of year | 2348755 | 3865924 | 75 | 74424 | 3433692 |
| Net assets at end of year | $2644989 | $4183696 | $126 | $236435 | $2871756 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 957896 | 789770 |  | 67300 | 1101492 |
| Units purchased | 255541 | 35551 | 73 | 118764 | 85976 |
| Units redeemed | (219244) | (69857) | (25) | (9536) | (340515) |
| Units outstanding at end of year | 994193 | 755464 | 48 | 176528 | 846953 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**91 ■ RiverSource of New York Account 8**

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**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **MFS New Dis,** <br>**Serv Cl**<br>| **MFS Utilities,** <br> **Init Cl**<br>| **MFS Utilities,** <br>**Serv Cl**<br>| **MS VIF Dis,** <br>**Cl I**<br>| **MS VIF Dis,** <br>**Cl II**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $(9603) | $3960 | $27351 | $2676 | $(924) |
| Net realized gain (loss) on sales of investments | (74450) | 212 | 20414 | 4716 | (18744) |
| Distributions from capital gains |  | 1811 | 16065 |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 313375 | 12234 | 94486 | 55339 | 149991 |
| Net increase (decrease) in net assets resulting from operations | 229322 | 18217 | 158316 | 62731 | 130323 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 40734 | 18070 | 43434 | 98968 | 32482 |
| Net transfers<sup>(1)</sup> <br>| (43377) | 26259 | 6969 | 33173 | 188657 |
| Transfers for policy loans | 25014 | (449) | (12893) | 3757 | 569 |
| Policy charges | (47060) | (6211) | (38287) | (33359) | (31588) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (67611) |  | (75005) | (4695) | (32342) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (92300) | 37669 | (75782) | 97844 | 157778 |
| Increase (decrease) in net assets | 137022 | 55886 | 82534 | 160575 | 288101 |
| Net assets at beginning of year | 1994114 | 92735 | 1143778 | 527285 | 1149990 |
| Net assets at end of year | $2131136 | $148621 | $1226312 | $687860 | $1438091 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 474772 | 60709 | 352465 | 272828 | 194506 |
| Units purchased | 42785 | 27951 | 64217 | 61136 | 45882 |
| Units redeemed | (37574) | (4063) | (63078) | (17821) | (10523) |
| Units outstanding at end of year | 479983 | 84597 | 353604 | 316143 | 229865 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 92

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**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **NB AMT** <br> **Quality Eq,** <br>**Cl I**<br>| **NB AMT** <br> **Quality Eq,** <br>**Cl S**<br>| **Nom VIP Asset** <br> **Strategy,** <br>**Serv Cl**<br>| **Nom VIP Asset** <br> **Strategy, Std** <br> **Cl**<br>| **Nom VIP Intl** <br> **Core Eq, Std Cl**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $— | $— | $569 | $4 | $1 |
| Net realized gain (loss) on sales of investments | 471 | 103 | (215) |  |  |
| Distributions from capital gains | 3393 | 4959 | 3276 | 16 | 4 |
| Net change in unrealized appreciation (depreciation) of investments | 3246 | 5635 | 3541 | 13 | 14 |
| Net increase (decrease) in net assets resulting from operations | 7110 | 10697 | 7171 | 33 | 19 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 7572 | 2454 | 2846 | 145 |  |
| Net transfers<sup>(1)</sup> <br>|  | 15142 | (13103) |  |  |
| Transfers for policy loans |  |  |  |  |  |
| Policy charges | (2624) | (668) | (476) | (57) |  |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (795) |  | (77) |  |  |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | 4153 | 16928 | (10810) | 88 |  |
| Increase (decrease) in net assets | 11263 | 27625 | (3639) | 121 | 19 |
| Net assets at beginning of year | 49139 | 60548 | 55397 | 153 | 75 |
| Net assets at end of year | $60402 | $88173 | $51758 | $274 | $94 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 22675 | 13941 | 33717 | 60 |  |
| Units purchased | 3317 | 4104 | 1538 | 119 |  |
| Units redeemed | (1488) | (148) | (8843) | (47) |  |
| Units outstanding at end of year | 24504 | 17897 | 26412 | 132 |  |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**93 ■ RiverSource of New York Account 8**

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **PIMCO VIT All** <br> **Asset, Advisor** <br> **Cl**<br>| **PIMCO VIT All** <br> **Asset, Inst Cl**<br>| **PIMCO VIT Glb** <br> **Man As Alloc,** <br> **Adv Cl**<br>| **PIMCO VIT Tot** <br> **Return,** <br> **Advisor Cl**<br>| **PIMCO VIT Tot** <br> **Return, Inst Cl**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $23919 | $822 | $266 | $25153 | $10975 |
| Net realized gain (loss) on sales of investments | (9531) | (39) | (17) | (2803) | (179) |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 62136 | 1497 | 980 | 39336 | 12458 |
| Net increase (decrease) in net assets resulting from operations | 76524 | 2280 | 1229 | 61686 | 23254 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 17370 | 6506 |  | 2996 | 50016 |
| Net transfers<sup>(1)</sup> <br>| 849 |  |  | 323916 | 108174 |
| Transfers for policy loans | 4268 |  |  | (14855) |  |
| Policy charges | (19790) | (3916) | (326) | (8404) | (16275) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (36241) |  |  | (12313) |  |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (33544) | 2590 | (326) | 291340 | 141915 |
| Increase (decrease) in net assets | 42980 | 4870 | 903 | 353026 | 165169 |
| Net assets at beginning of year | 579002 | 16140 | 5822 | 518842 | 166980 |
| Net assets at end of year | $621982 | $21010 | $6725 | $871868 | $332149 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 269295 | 12090 | 3434 | 464701 | 155453 |
| Units purchased | 53155 | 4435 |  | 293223 | 142598 |
| Units redeemed | (52646) | (2761) | (177) | (31573) | (14498) |
| Units outstanding at end of year | 269804 | 13764 | 3257 | 726351 | 283553 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 94

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Put VT Global** <br> **Hlth Care,** <br>**Cl IA**<br>| **Put VT Global** <br> **Hlth Care,** <br>**Cl IB**<br>| **Put VT Hi** <br> **Yield,** <br>**Cl IB**<br>| **Put VT Intl Eq,** <br>**Cl IB**<br>| **Put VT Intl Val,** <br>**Cl IA**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $— | $(6577) | $14096 | $(823) | $38 |
| Net realized gain (loss) on sales of investments | (58) | (22521) | (1437) | 8535 | 2627 |
| Distributions from capital gains | 4660 | 97266 |  | 11789 | 24 |
| Net change in unrealized appreciation (depreciation) of investments | 6548 | 105498 | 7362 | 41632 | 14585 |
| Net increase (decrease) in net assets resulting from operations | 11150 | 173666 | 20021 | 61133 | 17274 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 25225 | 20224 | 7568 | 3869 | 70502 |
| Net transfers<sup>(1)</sup> <br>| 36 | (51094) | 8505 | (13389) | 2719 |
| Transfers for policy loans |  | 2661 | 139 | (1417) |  |
| Policy charges | (4607) | (22117) | (11677) | (4415) | (2826) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits |  | (62248) | (6594) | (2351) | (96) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | 20654 | (112574) | (2059) | (17703) | 70299 |
| Increase (decrease) in net assets | 31804 | 61092 | 17962 | 43430 | 87573 |
| Net assets at beginning of year | 62191 | 1377448 | 255662 | 178600 | 2554 |
| Net assets at end of year | $93995 | $1438540 | $273624 | $222030 | $90127 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 54526 | 338029 | 80922 | 82364 | 2315 |
| Units purchased | 20824 | 45754 | 4847 | 16710 | 62350 |
| Units redeemed | (3897) | (49138) | (5477) | (16333) | (2179) |
| Units outstanding at end of year | 71453 | 334645 | 80292 | 82741 | 62486 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**95 ■ RiverSource of New York Account 8**

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Put VT Lg Cap** <br> **Val,** <br>**Cl IA**<br>| **Put VT Sus** <br> **Leaders,** <br>**Cl IA**<br>| **Put VT Sus** <br> **Leaders,** <br>**Cl IB**<br>| **Royce Micro-**<br> **Cap, Invest Cl**<br>| **Temp Global** <br> **Bond,** <br>**Cl 1**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $925 | $2255 | $564 | $(12665) | $— |
| Net realized gain (loss) on sales of investments | (3212) | 506461 | 9326 | 1179 | (8) |
| Distributions from capital gains | 3865 | 1579985 | 23079 | 308901 |  |
| Net change in unrealized appreciation (depreciation) of investments | 37107 | (747557) | (12746) | (53290) | 4791 |
| Net increase (decrease) in net assets resulting from operations | 38685 | 1341144 | 20223 | 244125 | 4783 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 139432 | 218511 | 1916 | 57360 | 4511 |
| Net transfers<sup>(1)</sup> <br>| 18385 | (226908) | 1 | (37946) | 3990 |
| Transfers for policy loans |  | (55239) | 1638 | 21782 |  |
| Policy charges | (12582) | (354606) | (3784) | (72488) | (1961) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits |  | (1174898) | (1509) | (76098) | (274) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | 145235 | (1593140) | (1738) | (107390) | 6266 |
| Increase (decrease) in net assets | 183920 | (251996) | 18485 | 136735 | 11049 |
| Net assets at beginning of year | 43474 | 14435490 | 198944 | 1936148 | 27184 |
| Net assets at end of year | $227394 | $14183494 | $217429 | $2072883 | $38233 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 36380 | 1737413 | 44299 | 379713 | 34703 |
| Units purchased | 131057 | 26292 | 12856 | 16587 | 9916 |
| Units redeemed | (9740) | (208339) | (9974) | (36151) | (2575) |
| Units outstanding at end of year | 157697 | 1555366 | 47181 | 360149 | 42044 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 96

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **Temp Global** <br> **Bond,** <br>**Cl 2**<br>| **Third Ave VST** <br> **Third Ave** <br> **Value**<br>| **VanEck VIP** <br> **Global Gold,** <br>**Cl S**<br>| **VP Aggr,** <br>**Cl 1**<br>| **VP Aggr,** <br>**Cl 2**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $(459) | $40219 | $3126 | $— | $(64454) |
| Net realized gain (loss) on sales of investments | (9607) | 51171 | 33530 | 65274 | 950698 |
| Distributions from capital gains |  | 181041 |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 28443 | 448792 | 276549 | 720784 | 3765517 |
| Net increase (decrease) in net assets resulting from operations | 18377 | 721223 | 313205 | 786058 | 4651761 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 8324 | 59915 | 4259 | 785989 | 1079344 |
| Net transfers<sup>(1)</sup> <br>| 22597 | (110348) | 2808 | (43730) | (956803) |
| Transfers for policy loans | 2637 | 25005 | (2636) | (14968) | (91849) |
| Policy charges | (3706) | (74480) | (6594) | (218179) | (345542) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (47913) | (49111) | (4889) | (6524) | (939257) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (18061) | (149019) | (7052) | 502588 | (1254107) |
| Increase (decrease) in net assets | 316 | 572204 | 306153 | 1288646 | 3397654 |
| Net assets at beginning of year | 157094 | 2181855 | 192364 | 4038556 | 27790640 |
| Net assets at end of year | $157410 | $2754059 | $498517 | $5327202 | $31188294 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 199389 | 594679 | 135307 | 2485504 | 10899361 |
| Units purchased | 39398 | 21088 | 33726 | 450321 | 441603 |
| Units redeemed | (66009) | (55447) | (35007) | (155926) | (902882) |
| Units outstanding at end of year | 172778 | 560320 | 134026 | 2779899 | 10438082 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**97 ■ RiverSource of New York Account 8**

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **VP Aggr,** <br>**Cl 4**<br>| **VP Conserv,** <br>**Cl 1**<br>| **VP Conserv,** <br>**Cl 2**<br>| **VP Conserv,** <br>**Cl 4**<br>| **VP Man Vol** <br> **Conserv Gro,** <br>**Cl 1**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $(123359) | $— | $(2785) | $(2703) | $— |
| Net realized gain (loss) on sales of investments | 1887340 |  | 35958 | 15546 | 87 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 2440166 | 3 | 54368 | 39997 | 6706 |
| Net increase (decrease) in net assets resulting from operations | 4204147 | 3 | 87541 | 52840 | 6793 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 442171 |  | 47305 | 19907 | 2400 |
| Net transfers<sup>(1)</sup> <br>| (235265) |  | (329853) | (69091) |  |
| Transfers for policy loans | (527153) |  | (3063) | (1468) |  |
| Policy charges | (402456) |  | (41645) | (31843) | (1885) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (777163) |  | (9548) | (1935) |  |
| Death benefits |  |  | (22398) |  |  |
| Increase (decrease) from transactions | (1499866) |  | (359202) | (84430) | 515 |
| Increase (decrease) in net assets | 2704281 | 3 | (271661) | (31590) | 7308 |
| Net assets at beginning of year | 25535380 | 23 | 900263 | 614964 | 60636 |
| Net assets at end of year | $28239661 | $26 | $628602 | $583374 | $67944 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 10125909 |  | 643584 | 432851 | 49055 |
| Units purchased | 1224555 |  | 51025 | 12958 | 1806 |
| Units redeemed | (1430431) |  | (286314) | (68905) | (1452) |
| Units outstanding at end of year | 9920033 |  | 408295 | 376904 | 49409 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 98

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **VP Man Vol** <br> **Conserv Gro,** <br>**Cl 2**<br>| **VP Man Vol** <br> **Conserv,** <br>**Cl 1**<br>| **VP Man Vol** <br> **Conserv,** <br>**Cl 2**<br>| **VP Man Vol** <br> **Gro,** <br>**Cl 1**<br>| **VP Man Vol** <br> **Gro,** <br>**Cl 2**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $(933) | $— | $(1031) | $— | $(7965) |
| Net realized gain (loss) on sales of investments | 2179 |  | 778 | 9775 | 78769 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 35896 | 301 | 12588 | 289340 | 301805 |
| Net increase (decrease) in net assets resulting from operations | 37142 | 301 | 12335 | 299115 | 372609 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 4498 | 1440 | 3377 | 183174 | 53096 |
| Net transfers<sup>(1)</sup> <br>|  |  | 280115 | 84654 | (280748) |
| Transfers for policy loans | (361) |  |  |  | 22848 |
| Policy charges | (15442) | (571) | (7149) | (87003) | (23435) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (28) |  | (14540) | (48148) | (32101) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (11333) | 869 | 261803 | 132677 | (260340) |
| Increase (decrease) in net assets | 25809 | 1170 | 274138 | 431792 | 112269 |
| Net assets at beginning of year | 352646 | 2799 | 109464 | 1973357 | 2768128 |
| Net assets at end of year | $378455 | $3969 | $383602 | $2405149 | $2880397 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 259766 | 2409 | 91757 | 1379639 | 1708250 |
| Units purchased | 12095 | 1193 | 217276 | 175384 | 54480 |
| Units redeemed | (20147) | (473) | (16883) | (92410) | (206655) |
| Units outstanding at end of year | 251714 | 3129 | 292150 | 1462613 | 1556075 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**99 ■ RiverSource of New York Account 8**

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **VP Man Vol** <br> **Mod Gro,** <br>**Cl 1**<br>| **VP Man Vol** <br> **Mod Gro,** <br>**Cl 2**<br>| **VP Mod Aggr,** <br>**Cl 1**<br>| **VP Mod Aggr,** <br>**Cl 2**<br>| **VP Mod Aggr,** <br>**Cl 4**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $— | $(6889) | $— | $(162297) | $(277846) |
| Net realized gain (loss) on sales of investments | 3491 | 85762 | 171741 | 1642536 | 3928371 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 154362 | 174022 | 2077575 | 5012459 | 4856012 |
| Net increase (decrease) in net assets resulting from operations | 157853 | 252895 | 2249316 | 6492698 | 8506537 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 133059 | 63867 | 2647312 | 1783589 | 1546587 |
| Net transfers<sup>(1)</sup> <br>| 3395 | 212737 | 844765 | (527464) | (286621) |
| Transfers for policy loans |  | (8565) | 17056 | (573885) | (360498) |
| Policy charges | (75622) | (74110) | (787638) | (977456) | (1316071) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits |  | (57661) | (32745) | (1606437) | (2475459) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | 60832 | 136268 | 2688750 | (1901653) | (2892062) |
| Increase (decrease) in net assets | 218685 | 389163 | 4938066 | 4591045 | 5614475 |
| Net assets at beginning of year | 1152932 | 2002651 | 12903674 | 43391902 | 57884693 |
| Net assets at end of year | $1371617 | $2391814 | $17841740 | $47982947 | $63499168 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 863646 | 1345470 | 8600949 | 18893269 | 24907823 |
| Units purchased | 98226 | 220766 | 2163321 | 1466889 | 3336613 |
| Units redeemed | (53628) | (144201) | (509253) | (1961069) | (3616375) |
| Units outstanding at end of year | 908244 | 1422035 | 10255017 | 18399089 | 24628061 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 100

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **VP Mod** <br> **Conserv,** <br>**Cl 1**<br>| **VP Mod** <br> **Conserv,** <br>**Cl 2**<br>| **VP Mod** <br> **Conserv,** <br>**Cl 4**<br>| **VP Mod,** <br>**Cl 1**<br>| **VP Mod,** <br>**Cl 2**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $— | $(10048) | $(11949) | $— | $(126042) |
| Net realized gain (loss) on sales of investments | 55364 | 54516 | 147508 | 97665 | 947700 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | (45335) | 197889 | 167268 | 699351 | 2672204 |
| Net increase (decrease) in net assets resulting from operations | 10029 | 242357 | 302827 | 797016 | 3493862 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments |  | 119951 | 124104 | 737204 | 1049241 |
| Net transfers<sup>(1)</sup> <br>| (360591) | 345295 | 84965 | 653811 | 97348 |
| Transfers for policy loans |  | (47559) | (9891) | (50171) | (29184) |
| Policy charges | (2375) | (115508) | (145195) | (370247) | (1007788) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits |  | (111704) | (42924) | (40397) | (916998) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (362966) | 190475 | 11059 | 930200 | (807381) |
| Increase (decrease) in net assets | (352937) | 432832 | 313886 | 1727216 | 2686481 |
| Net assets at beginning of year | 353794 | 2172972 | 2637394 | 5272969 | 26765053 |
| Net assets at end of year | $857 | $2605804 | $2951280 | $7000185 | $29451534 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 278435 | 1227084 | 1565651 | 3783956 | 13596036 |
| Units purchased |  | 281760 | 303543 | 932341 | 1105593 |
| Units redeemed | (277835) | (174467) | (228272) | (315206) | (1359144) |
| Units outstanding at end of year | 600 | 1334377 | 1640922 | 4401091 | 13342485 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**101 ■ RiverSource of New York Account 8**

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **VP Mod,** <br>**Cl 4**<br>| **VP Ptnrs Core** <br> **Bond,** <br>**Cl 1**<br>| **VP Ptnrs Core** <br> **Bond,** <br>**Cl 2**<br>| **VP Ptnrs Core** <br> **Eq,** <br>**Cl 1**<br>| **VP Ptnrs Core** <br> **Eq,** <br>**Cl 2**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $(165205) | $1570 | $1272 | $— | $— |
| Net realized gain (loss) on sales of investments | 2064151 | (26) | 30 | 446 | 375 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 2429611 | 653 | 198 | 185 | 4752 |
| Net increase (decrease) in net assets resulting from operations | 4328557 | 2197 | 1500 | 631 | 5127 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 1122930 | 3971 | 153 | 4803 | 51 |
| Net transfers<sup>(1)</sup> <br>| (152533) | 7208 | 12100 | (658) |  |
| Transfers for policy loans | (224156) | (457) |  |  |  |
| Policy charges | (1382940) | (2486) | (831) | (2119) | (1394) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (1293569) |  |  |  |  |
| Death benefits | (328032) |  |  |  |  |
| Increase (decrease) from transactions | (2258300) | 8236 | 11422 | 2026 | (1343) |
| Increase (decrease) in net assets | 2070257 | 10433 | 12922 | 2657 | 3784 |
| Net assets at beginning of year | 33773143 | 27685 | 12461 | 5406 | 40096 |
| Net assets at end of year | $35843400 | $38118 | $25383 | $8063 | $43880 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 17045168 | 25583 | 10621 | 2488 | 9746 |
| Units purchased | 1784275 | 9732 | 10232 | 2015 | 12 |
| Units redeemed | (2344124) | (2585) | (685) | (1232) | (330) |
| Units outstanding at end of year | 16485319 | 32730 | 20168 | 3271 | 9428 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 102

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**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **VP Ptnrs Core** <br> **Eq,** <br>**Cl 3**<br>| **VP Ptnrs Intl** <br> **Core Eq,** <br>**Cl 1**<br>| **VP Ptnrs Intl** <br> **Core Eq,** <br>**Cl 2**<br>| **VP Ptnrs Intl** <br> **Gro,** <br>**Cl 1**<br>| **VP Ptnrs Intl** <br> **Gro,** <br>**Cl 2**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $(2532) | $4686 | $853 | $1129 | $1082 |
| Net realized gain (loss) on sales of investments | 52596 | 1218 | 233 | 554 | 1125 |
| Distributions from capital gains |  | 14839 | 2898 | 1278 | 1822 |
| Net change in unrealized appreciation (depreciation) of investments | 11937 | 52665 | 10544 | 24470 | 30622 |
| Net increase (decrease) in net assets resulting from operations | 62001 | 73408 | 14528 | 27431 | 34651 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 8428 | 76840 | 1558 | 10984 | 12122 |
| Net transfers<sup>(1)</sup> <br>| (35180) | 50690 | (314) | 89229 | 13620 |
| Transfers for policy loans | (291) |  | (31) | (400) | (7404) |
| Policy charges | (7601) | (25095) | (2161) | (5759) | (6146) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (4510) | (174) |  |  | (2682) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (39154) | 102261 | (948) | 94054 | 9510 |
| Increase (decrease) in net assets | 22847 | 175669 | 13580 | 121485 | 44161 |
| Net assets at beginning of year | 488169 | 255992 | 59583 | 146012 | 187641 |
| Net assets at end of year | $511016 | $431661 | $73163 | $267497 | $231802 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 91293 | 186218 | 34866 | 112977 | 114003 |
| Units purchased | 14180 | 81080 | 800 | 67124 | 14618 |
| Units redeemed | (13313) | (15795) | (1292) | (4353) | (8765) |
| Units outstanding at end of year | 92160 | 251503 | 34374 | 175748 | 119856 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**103 ■ RiverSource of New York Account 8**

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**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **VP Ptnrs Intl** <br> **Val,** <br>**Cl 1**<br>| **VP Ptnrs Intl** <br> **Val,** <br>**Cl 2**<br>| **VP Ptnrs Sm** <br> **Cap Gro,** <br>**Cl 1**<br>| **VP Ptnrs Sm** <br> **Cap Gro,** <br>**Cl 2**<br>| **VP Ptnrs Sm** <br> **Cap Val,** <br>**Cl 1**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $1651 | $2090 | $— | $— | $— |
| Net realized gain (loss) on sales of investments | 435 | 1938 | 650 | 2628 | 302 |
| Distributions from capital gains | 154 | 199 |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 16161 | 18725 | 4839 | (2610) | (82) |
| Net increase (decrease) in net assets resulting from operations | 18401 | 22952 | 5489 | 18 | 220 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 9759 | 2979 | 9210 | 3562 | 1381 |
| Net transfers<sup>(1)</sup> <br>| 564 | (7085) | (2806) | (20727) | (4197) |
| Transfers for policy loans |  | 361 |  |  | 50 |
| Policy charges | (3288) | (1486) | (2701) | (257) | (306) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (248) | (1883) |  |  |  |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | 6787 | (7114) | 3703 | (17422) | (3072) |
| Increase (decrease) in net assets | 25188 | 15838 | 9192 | (17404) | (2852) |
| Net assets at beginning of year | 50035 | 67354 | 64354 | 42242 | 7240 |
| Net assets at end of year | $75223 | $83192 | $73546 | $24838 | $4388 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 40904 | 43223 | 46036 | 16798 | 5267 |
| Units purchased | 7035 | 1870 | 6558 | 1416 | 1027 |
| Units redeemed | (2437) | (5501) | (3938) | (9057) | (3321) |
| Units outstanding at end of year | 45502 | 39592 | 48656 | 9157 | 2973 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 104

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**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **VP Ptnrs Sm** <br> **Cap Val,** <br>**Cl 2**<br>| **VP Ptnrs Sm** <br> **Cap Val,** <br>**Cl 3**<br>| **VP US Flex** <br> **Conserv Gro,** <br>**Cl 1**<br>| **VP US Flex** <br> **Gro,** <br>**Cl 1**<br>| **VP US Flex** <br> **Mod Gro,** <br>**Cl 1**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $— | $(2697) | $— | $— | $— |
| Net realized gain (loss) on sales of investments | 80 | 41799 | 90 | 1554 | 138 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 408 | 6115 | 732 | 29399 | 12322 |
| Net increase (decrease) in net assets resulting from operations | 488 | 45217 | 822 | 30953 | 12460 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 548 | 18474 | 2243 | 64877 | 4737 |
| Net transfers<sup>(1)</sup> <br>|  | (458) |  | 4803 |  |
| Transfers for policy loans | (124) | (1487) | (429) |  |  |
| Policy charges | (243) | (15746) | (349) | (20265) | (3407) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits |  | (3973) |  |  |  |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | 181 | (3190) | 1465 | 49415 | 1330 |
| Increase (decrease) in net assets | 669 | 42027 | 2287 | 80368 | 13790 |
| Net assets at beginning of year | 6531 | 647489 | 8131 | 233344 | 117569 |
| Net assets at end of year | $7200 | $689516 | $10418 | $313712 | $131359 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 2755 | 232044 | 6328 | 152626 | 83620 |
| Units purchased | 237 | 74028 | 1670 | 44470 | 3364 |
| Units redeemed | (156) | (36151) | (592) | (12861) | (2334) |
| Units outstanding at end of year | 2836 | 269921 | 7406 | 184235 | 84650 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**105 ■ RiverSource of New York Account 8**

------

**Statement of Changes in Net Assets**

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

---

| | | |
|:---|:---|:---|
| **Year ended December 31, 2025 (continued)** | **WA Var Global** <br> **Hi Yd Bond,** <br>**Cl I**<br>| **WA Var Global** <br> **Hi Yd Bond,** <br>**Cl II**<br>|
| **Operations** |  |  |
| Investment income (loss) — net | $1892 | $463 |
| Net realized gain (loss) on sales of investments | (12) | (160) |
| Distributions from capital gains |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 676 | 399 |
| Net increase (decrease) in net assets resulting from operations | 2556 | 702 |
| **Contract transactions** |  |  |
| Contract purchase payments | 2369 | 654 |
| Net transfers<sup>(1)</sup> <br>| 2058 |  |
| Transfers for policy loans |  | (1158) |
| Policy charges | (1461) | (586) |
| Contract terminations: |  |  |
| Surrender benefits |  |  |
| Death benefits |  |  |
| Increase (decrease) from transactions | 2966 | (1090) |
| Increase (decrease) in net assets | 5522 | (388) |
| Net assets at beginning of year | 24771 | 7929 |
| Net assets at end of year | $30293 | $7541 |
| **Accumulation unit activity** |  |  |
| Units outstanding at beginning of year | 20702 | 5589 |
| Units purchased | 3487 | 445 |
| Units redeemed | (1165) | (1200) |
| Units outstanding at end of year | 23024 | 4834 |

---

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

<sup>(1)</sup> Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life of NY's fixed account. <br> <sup>(2)</sup> See Note 9 in the Notes to Financial Statements.

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 106

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**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024** | **AB VPS Dyn** <br> **Asset Alloc,** <br>**Cl B**<br>| **AB VPS Intl** <br> **Val,** <br>**Cl B**<br>| **AB VPS Lg** <br> **Cap Gro,** <br>**Cl A**<br>| **AB VPS Lg** <br> **Cap Gro,** <br>**Cl B**<br>| **AB VPS** <br> **Relative Val,** <br>**Cl B**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $5 | $50019 | $320 | $(10918) | $21014 |
| Net realized gain (loss) on sales of investments |  | 57910 | 2038 | 159654 | 53289 |
| Distributions from capital gains |  |  | 23703 | 145045 | 92753 |
| Net change in unrealized appreciation (depreciation) of investments | 44 | 16203 | 89092 | 397294 | 135032 |
| Net increase (decrease) in net assets resulting from operations | 49 | 124132 | 115153 | 691075 | 302088 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments |  | 117505 | 191242 | 130090 | 42160 |
| Net transfers<sup>(1)</sup> <br>| (1) | (3538) | 404952 | 22024 | 11023 |
| Transfers for policy loans |  | (41669) |  | (133982) | (100891) |
| Policy charges |  | (82311) | (42853) | (58785) | (55266) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits |  | (259413) | (2906) | (48931) | (98065) |
| Death benefits |  | (2240) |  |  |  |
| Increase (decrease) from transactions | (1) | (271666) | 550435 | (89584) | (201039) |
| Increase (decrease) in net assets | 48 | (147534) | 665588 | 601491 | 101049 |
| Net assets at beginning of year | 482 | 2702634 | 349453 | 2799308 | 2515292 |
| Net assets at end of year | $530 | $2555100 | $1015041 | $3400799 | $2616341 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year |  | 1463164 | 174392 | 454378 | 620773 |
| Units purchased |  | 287549 | 249639 | 77965 | 221070 |
| Units redeemed |  | (358244) | (19618) | (75176) | (156818) |
| Units outstanding at end of year |  | 1392469 | 404413 | 457167 | 685025 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**107 ■ RiverSource of New York Account 8**

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **Allspg VT** <br> **Index Asset** <br> **Alloc,** <br>**Cl 2**<br>| **Allspg VT Opp,** <br>**Cl 1**<br>| **Allspg VT Opp,** <br>**Cl 2**<br>| **Allspg VT Sm** <br> **Cap Gro,** <br>**Cl 1**<br>| **Allspg VT Sm** <br> **Cap Gro,** <br>**Cl 2**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $5304 | $56 | $(4695) | $— | $(4236) |
| Net realized gain (loss) on sales of investments | 3956 | 285 | 24998 | 817 | (47549) |
| Distributions from capital gains | 35444 | 2020 | 143466 |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 30864 | 505 | 33134 | 56781 | 289176 |
| Net increase (decrease) in net assets resulting from operations | 75568 | 2866 | 196903 | 57598 | 237391 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 17749 | 6963 | 38868 | 95869 | 68930 |
| Net transfers<sup>(1)</sup> <br>| (24987) | (4811) | (52468) | (5486) | (63678) |
| Transfers for policy loans | 4621 |  | (123180) | (5233) | (39836) |
| Policy charges | (15150) | (1483) | (27609) | (25255) | (32233) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (131) |  | (57431) | (4904) | (33839) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (17898) | 669 | (221820) | 54991 | (100656) |
| Increase (decrease) in net assets | 57670 | 3535 | (24917) | 112589 | 136735 |
| Net assets at beginning of year | 536098 | 20536 | 1367078 | 279900 | 1311216 |
| Net assets at end of year | $593768 | $24071 | $1342161 | $392489 | $1447951 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 246263 | 11587 | 266120 | 225126 | 397422 |
| Units purchased | 74337 | 3579 | 53872 | 67895 | 149185 |
| Units redeemed | (77488) | (3392) | (57320) | (27898) | (95051) |
| Units outstanding at end of year | 243112 | 11774 | 262672 | 265123 | 451556 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 108

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**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **ALPS Alerian** <br> **Engy Infr,** <br> **Class I**<br>| **ALPS Alerian** <br> **Engy Infr,** <br> **Class III**<br>| **BlackRock** <br> **Global Alloc,** <br>**Cl I**<br>| **BlackRock** <br> **Global Alloc,** <br>**Cl III**<br>| **Calvert VP SRI** <br> **Bal,** <br>**Cl I**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $3396 | $19820 | $2415 | $1904 | $32126 |
| Net realized gain (loss) on sales of investments | 585 | 89776 | 92 | (996) | 76638 |
| Distributions from capital gains | 2485 | 18444 | 19361 | 48409 | 46619 |
| Net change in unrealized appreciation (depreciation) of investments | 15776 | 72474 | (1839) | (3444) | 322962 |
| Net increase (decrease) in net assets resulting from operations | 22242 | 200514 | 20029 | 45873 | 478345 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 20980 | 9878 | 83291 | 16104 | 141307 |
| Net transfers<sup>(1)</sup> <br>| (737) | (85402) | 16242 | 2740 | (266680) |
| Transfers for policy loans |  | (85450) | 3130 | (466) | (122508) |
| Policy charges | (3299) | (7193) | (20198) | (9568) | (111666) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits |  | (3404) |  | (3309) | (314051) |
| Death benefits |  | (700) |  |  |  |
| Increase (decrease) from transactions | 16944 | (172271) | 82465 | 5501 | (673598) |
| Increase (decrease) in net assets | 39186 | 28243 | 102494 | 51374 | (195253) |
| Net assets at beginning of year | 49847 | 514470 | 189307 | 514457 | 2776355 |
| Net assets at end of year | $89033 | $542713 | $291801 | $565831 | $2581102 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 35085 | 463683 | 139635 | 347023 | 911054 |
| Units purchased | 11872 | 13606 | 71413 | 23736 | 59756 |
| Units redeemed | (2523) | (133077) | (14005) | (20463) | (283459) |
| Units outstanding at end of year | 44434 | 344212 | 197043 | 350296 | 687351 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**109 ■ RiverSource of New York Account 8**

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**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **Col VP Acorn** | **Col VP Acorn** <br> **Intl**<br>| **Col VP Bal,** <br>**Cl 1**<br>| **Col VP Bal,** <br>**Cl 3**<br>| **Col VP** <br> **Commodity** <br> **Strategy,** <br>**Cl 1**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $(29906) | $36519 | $— | $(137873) | $2278 |
| Net realized gain (loss) on sales of investments | (433510) | (166793) | 8786 | 1009494 | (1902) |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 1197735 | (229753) | 237277 | 1396991 | 3859 |
| Net increase (decrease) in net assets resulting from operations | 734319 | (360027) | 246063 | 2268612 | 4235 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 138632 | 154014 | 406079 | 573530 | 17615 |
| Net transfers<sup>(1)</sup> <br>| (127559) | 66285 | 445663 | 353537 | (7800) |
| Transfers for policy loans | (75186) | (138373) |  | (93314) | 1565 |
| Policy charges | (140764) | (115213) | (93101) | (870762) | (4545) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (306524) | (160889) | (11037) | (640207) | (954) |
| Death benefits | (228) | (1839) |  |  |  |
| Increase (decrease) from transactions | (511629) | (196015) | 747604 | (677216) | 5881 |
| Increase (decrease) in net assets | 222690 | (556042) | 993667 | 1591396 | 10116 |
| Net assets at beginning of year | 5633902 | 4275604 | 1561171 | 17115084 | 59443 |
| Net assets at end of year | $5856592 | $3719562 | $2554838 | $18706480 | $69559 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 1270144 | 1573372 | 998820 | 5581173 | 40576 |
| Units purchased | 294830 | 258891 | 488441 | 315386 | 12451 |
| Units redeemed | (257967) | (267859) | (60375) | (519972) | (8751) |
| Units outstanding at end of year | 1307007 | 1564404 | 1426886 | 5376587 | 44276 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 110

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**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **Col VP** <br> **Commodity** <br> **Strategy,** <br>**Cl 2**<br>| **Col VP** <br> **Contrarian** <br> **Core,** <br>**Cl 1**<br>| **Col VP** <br> **Contrarian** <br> **Core,** <br>**Cl 2**<br>| **Col VP** <br> **Corporate** <br> **Bond,** <br>**Cl 1**<sup>(2)</sup> <br>| **Col VP** <br> **Corporate** <br> **Bond,** <br>**Cl 2**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $1381 | $— | $— | $53 | $2871 |
| Net realized gain (loss) on sales of investments | (260) | 6846 | 2354 | 10 | (248) |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 1586 | 71681 | 49101 | 77 | 379 |
| Net increase (decrease) in net assets resulting from operations | 2707 | 78527 | 51455 | 140 | 3002 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 2826 | 81091 | 12852 | 2191 | 5229 |
| Net transfers<sup>(1)</sup> <br>|  | 43649 | 57347 | 5206 | (70) |
| Transfers for policy loans | 881 | (7568) | 16168 |  | (55) |
| Policy charges | (1284) | (33777) | (3571) | (853) | (2926) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits |  | (3589) |  |  |  |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | 2423 | 79806 | 82796 | 6544 | 2178 |
| Increase (decrease) in net assets | 5130 | 158333 | 134251 | 6684 | 5180 |
| Net assets at beginning of year | 35719 | 298501 | 201452 |  | 88721 |
| Net assets at end of year | $40849 | $456834 | $335703 | $6684 | $93901 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 39768 | 153411 | 61689 |  | 92992 |
| Units purchased | 4061 | 56675 | 22785 | 7204 | 5433 |
| Units redeemed | (1361) | (19824) | (962) | (829) | (3149) |
| Units outstanding at end of year | 42468 | 190262 | 83512 | 6375 | 95276 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**111 ■ RiverSource of New York Account 8**

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **Col VP** <br> **Corporate** <br> **Bond,** <br>**Cl 3**<br>| **Col VP** <br> **Disciplined** <br> **Core,** <br>**Cl 1**<br>| **Col VP** <br> **Disciplined** <br> **Core,** <br>**Cl 2**<br>| **Col VP** <br> **Disciplined** <br> **Core,** <br>**Cl 3**<br>| **Col VP Divd** <br> **Opp,** <br>**Cl 1**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $34054 | $— | $— | $(258538) | $— |
| Net realized gain (loss) on sales of investments | (53942) | 1592 | 26680 | 2455566 | 1591 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 55889 | 41420 | 89146 | 4624992 | 15772 |
| Net increase (decrease) in net assets resulting from operations | 36001 | 43012 | 115826 | 6822020 | 17363 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 52616 | 98332 | 21770 | 801757 | 78536 |
| Net transfers<sup>(1)</sup> <br>| 87743 | 8090 | (41235) | (432034) | 322270 |
| Transfers for policy loans | (48930) |  | (1201) | (59527) | 4696 |
| Policy charges | (43331) | (15572) | (17392) | (1320745) | (25541) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (150608) |  | (457) | (1625360) | (449) |
| Death benefits | (365) |  |  |  |  |
| Increase (decrease) from transactions | (102875) | 90850 | (38515) | (2635909) | 379512 |
| Increase (decrease) in net assets | (66874) | 133862 | 77311 | 4186111 | 396875 |
| Net assets at beginning of year | 1264754 | 164764 | 464570 | 28607416 | 131296 |
| Net assets at end of year | $1197880 | $298626 | $541881 | $32793527 | $528171 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 1016695 | 96368 | 127054 | 8713826 | 88734 |
| Units purchased | 217416 | 50135 | 5241 | 295437 | 236518 |
| Units redeemed | (293159) | (7953) | (14428) | (959806) | (15979) |
| Units outstanding at end of year | 940952 | 138550 | 117867 | 8049457 | 309273 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 112

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**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **Col VP Divd** <br> **Opp,** <br>**Cl 2**<br>| **Col VP Divd** <br> **Opp,** <br>**Cl 3**<br>| **Col VP Emer** <br> **Mkts,** <br>**Cl 1**<br>| **Col VP Emer** <br> **Mkts,** <br>**Cl 2**<br>| **Col VP Emer** <br> **Mkts,** <br>**Cl 3**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $— | $(71766) | $2770 | $3663 | $11342 |
| Net realized gain (loss) on sales of investments | 5386 | 1203792 | (753) | (6994) | (146100) |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 32382 | 602146 | 10653 | 22758 | 222800 |
| Net increase (decrease) in net assets resulting from operations | 37768 | 1734172 | 12670 | 19427 | 88042 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 6933 | 343037 | 37133 | 31664 | 96864 |
| Net transfers<sup>(1)</sup> <br>| 46321 | (26655) | 96 | (5152) | (86401) |
| Transfers for policy loans | (10) | (93301) |  | (3481) | (43369) |
| Policy charges | (4754) | (386787) | (9335) | (11596) | (52110) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits |  | (854163) |  | (2601) | (62338) |
| Death benefits |  | (6436) |  |  | (2327) |
| Increase (decrease) from transactions | 48490 | (1024305) | 27894 | 8834 | (149681) |
| Increase (decrease) in net assets | 86258 | 709867 | 40564 | 28261 | (61639) |
| Net assets at beginning of year | 236403 | 12144207 | 211450 | 349799 | 1916622 |
| Net assets at end of year | $322661 | $12854074 | $252014 | $378060 | $1854983 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 89136 | 3105866 | 196965 | 263235 | 768028 |
| Units purchased | 18186 | 631662 | 33533 | 23174 | 84350 |
| Units redeemed | (1640) | (623205) | (8366) | (16620) | (126108) |
| Units outstanding at end of year | 105682 | 3114323 | 222132 | 269789 | 726270 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**113 ■ RiverSource of New York Account 8**

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **Col VP Emerg** <br> **Mkts Bond,** <br>**Cl 1**<br>| **Col VP Emerg** <br> **Mkts Bond,** <br>**Cl 2**<br>| **Col VP Govt** <br> **Money Mkt,** <br>**Cl 1**<br>| **Col VP Govt** <br> **Money Mkt,** <br>**Cl 2**<br>| **Col VP Govt** <br> **Money Mkt,** <br>**Cl 3**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $1810 | $795 | $23568 | $20830 | $140430 |
| Net realized gain (loss) on sales of investments | 11 | (69) |  |  | 1 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 272 | 212 |  |  | (1) |
| Net increase (decrease) in net assets resulting from operations | 2093 | 938 | 23568 | 20830 | 140430 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 5632 | 1222 | 188306 | 116178 | 244488 |
| Net transfers<sup>(1)</sup> <br>| 378 |  | (258805) | (16577) | 1070671 |
| Transfers for policy loans |  |  |  | (4143) | 88388 |
| Policy charges | (1438) | (565) | (18037) | (18457) | (270930) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits |  |  |  | (7426) | (215940) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | 4572 | 657 | (88536) | 69575 | 916677 |
| Increase (decrease) in net assets | 6665 | 1595 | (64968) | 90405 | 1057107 |
| Net assets at beginning of year | 31360 | 15252 | 561703 | 404225 | 2635490 |
| Net assets at end of year | $38025 | $16847 | $496735 | $494630 | $3692597 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 30339 | 12215 | 520159 | 370143 | 2521711 |
| Units purchased | 5582 | 936 | 171914 | 104067 | 1303669 |
| Units redeemed | (1343) | (438) | (253981) | (41753) | (448852) |
| Units outstanding at end of year | 34578 | 12713 | 438092 | 432457 | 3376528 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 114

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**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **Col VP Hi** <br> **Yield Bond,** <br>**Cl 1**<br>| **Col VP Hi** <br> **Yield Bond,** <br>**Cl 2**<br>| **Col VP Hi** <br> **Yield Bond,** <br>**Cl 3**<br>| **Col VP Inc** <br> **Opp,** <br>**Cl 1**<br>| **Col VP Inc** <br> **Opp,** <br>**Cl 2**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $9544 | $20082 | $135944 | $1359 | $4530 |
| Net realized gain (loss) on sales of investments | 86 | (442) | (40971) | (88) | (185) |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 1244 | 3785 | 69808 | 97 | 302 |
| Net increase (decrease) in net assets resulting from operations | 10874 | 23425 | 164781 | 1368 | 4647 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 63896 | 25314 | 68267 | 3231 | 3462 |
| Net transfers<sup>(1)</sup> <br>| 45778 | 11870 | 140600 | 1980 | 4266 |
| Transfers for policy loans |  | 345 | (27604) |  | (15) |
| Policy charges | (12775) | (10995) | (73744) | (1275) | (2742) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (4499) |  | (294106) |  |  |
| Death benefits |  |  | (32440) |  |  |
| Increase (decrease) from transactions | 92400 | 26534 | (219027) | 3936 | 4971 |
| Increase (decrease) in net assets | 103274 | 49959 | (54246) | 5304 | 9618 |
| Net assets at beginning of year | 122128 | 318522 | 2638118 | 22053 | 79753 |
| Net assets at end of year | $225402 | $368481 | $2583872 | $27357 | $89371 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 98881 | 194745 | 1050926 | 18104 | 50138 |
| Units purchased | 84991 | 22556 | 229783 | 4114 | 4694 |
| Units redeemed | (13383) | (6511) | (284338) | (1013) | (1683) |
| Units outstanding at end of year | 170489 | 210790 | 996371 | 21205 | 53149 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**115 ■ RiverSource of New York Account 8**

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **Col VP Inc** <br> **Opp,** <br>**Cl 3**<br>| **Col VP Inter** <br> **Bond,** <br>**Cl 1**<br>| **Col VP Inter** <br> **Bond,** <br>**Cl 2**<br>| **Col VP Inter** <br> **Bond,** <br>**Cl 3**<br>| **Col VP Lg Cap** <br> **Gro,** <br>**Cl 1**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $58202 | $5410 | $3848 | $235528 | $— |
| Net realized gain (loss) on sales of investments | (31159) | (739) | (1923) | (160376) | 43931 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 31941 | (2240) | 442 | (2565) | 569608 |
| Net increase (decrease) in net assets resulting from operations | 58984 | 2431 | 2367 | 72587 | 613539 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 25420 | 18044 | 13422 | 214151 | 551032 |
| Net transfers<sup>(1)</sup> <br>| 152652 | 18191 | (323) | 419238 | 164526 |
| Transfers for policy loans | (6176) |  | 7 | (81508) | (7921) |
| Policy charges | (26105) | (10055) | (3945) | (232620) | (118136) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (31755) |  |  | (160302) | (44115) |
| Death benefits |  |  |  | (290) |  |
| Increase (decrease) from transactions | 114036 | 26180 | 9161 | 158669 | 545386 |
| Increase (decrease) in net assets | 173020 | 28611 | 11528 | 231256 | 1158925 |
| Net assets at beginning of year | 1082634 | 87090 | 54558 | 5536137 | 1690340 |
| Net assets at end of year | $1255654 | $115701 | $66086 | $5767393 | $2849265 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 533773 | 81911 | 45767 | 3460080 | 829300 |
| Units purchased | 207132 | 34121 | 12007 | 511014 | 305651 |
| Units redeemed | (118430) | (9315) | (3279) | (326822) | (70549) |
| Units outstanding at end of year | 622475 | 106717 | 54495 | 3644272 | 1064402 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 116

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**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **Col VP Lg Cap** <br> **Gro,** <br>**Cl 2**<br>| **Col VP Lg Cap** <br> **Gro,** <br>**Cl 3**<br>| **Col VP Lg Cap** <br> **Index,** <br>**Cl 1**<br>| **Col VP Lg Cap** <br> **Index,** <br>**Cl 3**<br>| **Col VP Limited** <br> **Duration Cr,** <br>**Cl 1**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $— | $(20530) | $— | $(73939) | $1583 |
| Net realized gain (loss) on sales of investments | 7077 | 640570 | 93945 | 1971920 | 42 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 138922 | 351074 | 1370146 | 1419824 | 116 |
| Net increase (decrease) in net assets resulting from operations | 145999 | 971114 | 1464091 | 3317805 | 1741 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 45264 | 68328 | 1569927 | 395952 | 7679 |
| Net transfers<sup>(1)</sup> <br>| (12460) | (71944) | 1191221 | 734205 | 17337 |
| Transfers for policy loans | 490 | (217753) | (325538) | (194496) |  |
| Policy charges | (9530) | (92912) | (507475) | (299626) | (4642) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits |  | (312863) | (26710) | (1786293) |  |
| Death benefits |  |  |  | (18087) |  |
| Increase (decrease) from transactions | 23764 | (627144) | 1901425 | (1168345) | 20374 |
| Increase (decrease) in net assets | 169763 | 343970 | 3365516 | 2149460 | 22115 |
| Net assets at beginning of year | 470350 | 3401791 | 5146295 | 14291500 | 22154 |
| Net assets at end of year | $640113 | $3745761 | $8511811 | $16440960 | $44269 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 104731 | 702754 | 2812179 | 3050599 | 19759 |
| Units purchased | 8615 | 142781 | 1320666 | 682880 | 21942 |
| Units redeemed | (4552) | (152943) | (402783) | (747388) | (4009) |
| Units outstanding at end of year | 108794 | 692592 | 3730062 | 2986091 | 37692 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**117 ■ RiverSource of New York Account 8**

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**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **Col VP Limited** <br> **Duration Cr,** <br>**Cl 2**<br>| **Col VP Long** <br> **Govt/Cr Bond,** <br>**Cl 1**<br>| **Col VP Long** <br> **Govt/Cr Bond,** <br>**Cl 2**<br>| **Col VP** <br> **Overseas** <br> **Core,** <br>**Cl 1**<br>| **Col VP** <br> **Overseas** <br> **Core,** <br>**Cl 2**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $27118 | $417 | $315 | $11035 | $8070 |
| Net realized gain (loss) on sales of investments | 59 | (98) | (3082) | 275 | 178 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 7582 | (741) | 3058 | (10615) | (1957) |
| Net increase (decrease) in net assets resulting from operations | 34759 | (422) | 291 | 695 | 6291 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 6787 | 1061 | 259 | 93780 | 11841 |
| Net transfers<sup>(1)</sup> <br>| (8835) | 159 | (8490) | 228553 | 89 |
| Transfers for policy loans | 1994 |  |  |  | 505 |
| Policy charges | (15800) | (677) | (32) | (20761) | (3700) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (10758) |  |  |  | (1338) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (26612) | 543 | (8263) | 301572 | 7397 |
| Increase (decrease) in net assets | 8147 | 121 | (7972) | 302267 | 13688 |
| Net assets at beginning of year | 874816 | 10295 | 8689 | 225445 | 182815 |
| Net assets at end of year | $882963 | $10416 | $717 | $527712 | $196503 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 820495 | 10023 | 7386 | 169745 | 103471 |
| Units purchased | 19278 | 1227 | 226 | 229271 | 6982 |
| Units redeemed | (44477) | (671) | (6974) | (14929) | (2724) |
| Units outstanding at end of year | 795296 | 10579 | 638 | 384087 | 107729 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 118

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**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **Col VP** <br> **Overseas** <br> **Core,** <br>**Cl 3**<br>| **Col VP Sel Gbl** <br> **Tech,** <br>**Cl 1**<br>| **Col VP Sel Gbl** <br> **Tech,** <br>**Cl 2**<br>| **Col VP Select** <br> **Lg Cap Val,** <br>**Cl 1**<br>| **Col VP Select** <br> **Lg Cap Val,** <br>**Cl 2**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $161947 | $— | $— | $— | $— |
| Net realized gain (loss) on sales of investments | 53583 | 3273 | 2 | 19769 | 3394 |
| Distributions from capital gains |  | 18473 | 4944 |  |  |
| Net change in unrealized appreciation (depreciation) of investments | (101780) | 42680 | 12446 | 71356 | 17095 |
| Net increase (decrease) in net assets resulting from operations | 113750 | 64426 | 17392 | 91125 | 20489 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 203299 | 99691 | 2282 | 198520 | 11524 |
| Net transfers<sup>(1)</sup> <br>| 22325 | 46512 | 42242 | 41253 | 35259 |
| Transfers for policy loans | (24403) |  | 20 |  | (3148) |
| Policy charges | (221302) | (27045) | (42) | (75068) | (5462) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (157597) |  |  | (15754) |  |
| Death benefits | (271) |  |  |  |  |
| Increase (decrease) from transactions | (177949) | 119158 | 44502 | 148951 | 38173 |
| Increase (decrease) in net assets | (64199) | 183584 | 61894 | 240076 | 58662 |
| Net assets at beginning of year | 4687997 | 184277 | 40654 | 659264 | 145583 |
| Net assets at end of year | $4623798 | $367861 | $102548 | $899340 | $204245 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 3265282 | 147096 | 32586 | 419471 | 44483 |
| Units purchased | 187475 | 103542 | 32379 | 139645 | 13398 |
| Units redeemed | (308975) | (19265) | (29) | (52117) | (2447) |
| Units outstanding at end of year | 3143782 | 231373 | 64936 | 506999 | 55434 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**119 ■ RiverSource of New York Account 8**

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**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **Col VP Select** <br> **Lg Cap Val,** <br>**Cl 3**<br>| **Col VP Select** <br> **Mid Cap Gro,** <br>**Cl 1**<br>| **Col VP Select** <br> **Mid Cap Gro,** <br>**Cl 2**<br>| **Col VP Select** <br> **Mid Cap Gro,** <br>**Cl 3**<br>| **Col VP Select** <br> **Mid Cap Val,** <br>**Cl 1**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $(4354) | $— | $— | $(5307) | $— |
| Net realized gain (loss) on sales of investments | 90091 | 757 | 2014 | 119635 | 913 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 12708 | 91823 | 20567 | 105117 | 43209 |
| Net increase (decrease) in net assets resulting from operations | 98445 | 92580 | 22581 | 219445 | 44122 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 10985 | 79750 | 9069 | 23345 | 90305 |
| Net transfers<sup>(1)</sup> <br>| 15132 | 51322 | (2870) | (28741) | 65911 |
| Transfers for policy loans | (234935) |  |  | 578 |  |
| Policy charges | (20639) | (12277) | (1887) | (22046) | (25303) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (6078) | (898) |  | (22782) | (154) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (235535) | 117897 | 4312 | (49646) | 130759 |
| Increase (decrease) in net assets | (137090) | 210477 | 26893 | 169799 | 174881 |
| Net assets at beginning of year | 911236 | 313355 | 95372 | 1030424 | 290223 |
| Net assets at end of year | $774146 | $523832 | $122265 | $1200223 | $465104 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 263954 | 196990 | 29996 | 255977 | 181820 |
| Units purchased | 11125 | 76803 | 2680 | 70838 | 91714 |
| Units redeemed | (88709) | (7534) | (1506) | (31074) | (14623) |
| Units outstanding at end of year | 186370 | 266259 | 31170 | 295741 | 258911 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 120

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**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **Col VP Select** <br> **Mid Cap Val,** <br>**Cl 2**<br>| **Col VP Select** <br> **Mid Cap Val,** <br>**Cl 3**<br>| **Col VP Select** <br> **Sm Cap Val,** <br>**Cl 1**<br>| **Col VP Select** <br> **Sm Cap Val,** <br>**Cl 2**<br>| **Col VP Select** <br> **Sm Cap Val,** <br>**Cl 3**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $— | $(4098) | $— | $— | $(6275) |
| Net realized gain (loss) on sales of investments | 3197 | 71233 | 952 | 3179 | 57800 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 16567 | 41113 | 16386 | 18025 | 91973 |
| Net increase (decrease) in net assets resulting from operations | 19764 | 108248 | 17338 | 21204 | 143498 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 8861 | 28021 | 45823 | 8982 | 33861 |
| Net transfers<sup>(1)</sup> <br>| (4147) | (748) | 14938 | (5693) | (7498) |
| Transfers for policy loans | 505 | (11693) |  |  | (4479) |
| Policy charges | (4327) | (22502) | (11014) | (5157) | (36225) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits |  | (18300) |  |  | (30085) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | 892 | (25222) | 49747 | (1868) | (44426) |
| Increase (decrease) in net assets | 20656 | 83026 | 67085 | 19336 | 99072 |
| Net assets at beginning of year | 157860 | 905717 | 99284 | 150492 | 1118237 |
| Net assets at end of year | $178516 | $988743 | $166369 | $169828 | $1217309 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 50894 | 249515 | 71214 | 53970 | 269612 |
| Units purchased | 2836 | 63466 | 40898 | 3112 | 37058 |
| Units redeemed | (2466) | (27236) | (7375) | (3498) | (31220) |
| Units outstanding at end of year | 51264 | 285745 | 104737 | 53584 | 275450 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**121 ■ RiverSource of New York Account 8**

------

**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **Col VP** <br> **Strategic Inc,** <br>**Cl 1**<br>| **Col VP** <br> **Strategic Inc,** <br>**Cl 2**<br>| **Col VP US** <br> **Govt Mtge,** <br>**Cl 1**<br>| **Col VP US** <br> **Govt Mtge,** <br>**Cl 2**<br>| **Col VP US** <br> **Govt Mtge,** <br>**Cl 3**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $7685 | $10001 | $739 | $589 | $31833 |
| Net realized gain (loss) on sales of investments | (196) | (3084) | (88) | (61) | (25403) |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 215 | 2555 | (169) | (268) | 4028 |
| Net increase (decrease) in net assets resulting from operations | 7704 | 9472 | 482 | 260 | 10458 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 48234 | 46461 | 5189 | 316 | 62551 |
| Net transfers<sup>(1)</sup> <br>| 17068 | 124234 | 861 | 587 | 37098 |
| Transfers for policy loans |  | 1011 |  | (13) | (9800) |
| Policy charges | (14039) | (76730) | (1955) | (982) | (61789) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (210) | (191) |  |  | (40495) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | 51053 | 94785 | 4095 | (92) | (12435) |
| Increase (decrease) in net assets | 58757 | 104257 | 4577 | 168 | (1977) |
| Net assets at beginning of year | 145094 | 179736 | 17377 | 18754 | 1185996 |
| Net assets at end of year | $203851 | $283993 | $21954 | $18922 | $1184019 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 128023 | 131824 | 17401 | 16737 | 982038 |
| Units purchased | 56054 | 122536 | 6189 | 813 | 96420 |
| Units redeemed | (12283) | (55053) | (1945) | (885) | (103588) |
| Units outstanding at end of year | 171794 | 199307 | 21645 | 16665 | 974870 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 122

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**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **CS Commodity** <br> **Return,** <br>**Cl 1**<br>| **CTIVP AC Div** <br> **Bond,** <br>**Cl 1**<br>| **CTIVP AC Div** <br> **Bond,** <br>**Cl 2**<br>| **CTIVP BR Gl** <br> **Infl Prot Sec,** <br>**Cl 1**<br>| **CTIVP BR Gl** <br> **Infl Prot Sec,** <br>**Cl 2**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $10293 | $1190 | $798 | $780 | $335 |
| Net realized gain (loss) on sales of investments | (27031) | (435) | (188) | (918) | (239) |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 33451 | (340) | (431) | (420) | (292) |
| Net increase (decrease) in net assets resulting from operations | 16713 | 415 | 179 | (558) | (196) |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 14684 | 2654 | 2470 | 12777 | 3568 |
| Net transfers<sup>(1)</sup> <br>| (36986) | (2631) | 4199 | (2464) | (630) |
| Transfers for policy loans | (8114) |  | (363) | 3130 | (1) |
| Policy charges | (7563) | (1806) | (567) | (2687) | (962) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (20786) |  |  |  | (140) |
| Death benefits | (575) |  |  |  |  |
| Increase (decrease) from transactions | (59340) | (1783) | 5739 | 10756 | 1835 |
| Increase (decrease) in net assets | (42627) | (1368) | 5918 | 10198 | 1639 |
| Net assets at beginning of year | 406360 | 31124 | 18473 | 37778 | 17057 |
| Net assets at end of year | $363733 | $29756 | $24391 | $47976 | $18696 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 485059 | 29736 | 15912 | 36316 | 14408 |
| Units purchased | 28124 | 2462 | 5537 | 15203 | 3043 |
| Units redeemed | (97867) | (4265) | (755) | (4972) | (1467) |
| Units outstanding at end of year | 415316 | 27933 | 20694 | 46547 | 15984 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**123 ■ RiverSource of New York Account 8**

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**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **CTIVP BR Gl** <br> **Infl Prot Sec,** <br>**Cl 3**<br>| **CTIVP** <br> **CenterSquare** <br> **Real Est,** <br>**Cl 1**<br>| **CTIVP** <br> **CenterSquare** <br> **Real Est,** <br>**Cl 2**<br>| **CTIVP Prin Lg** <br> **Cap Gro,** <br>**Cl 1**<br>| **CTIVP Prin Lg** <br> **Cap Gro,** <br>**Cl 2**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $7221 | $1850 | $5403 | $— | $— |
| Net realized gain (loss) on sales of investments | (30834) | (115) | (4008) | 375 | 4528 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 15102 | 5289 | 22785 | 26411 | 13300 |
| Net increase (decrease) in net assets resulting from operations | (8511) | 7024 | 24180 | 26786 | 17828 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 27414 | 12311 | 14602 | 26018 | 7303 |
| Net transfers<sup>(1)</sup> <br>| (23848) | 133 | (37467) | 1623 | 25316 |
| Transfers for policy loans | (3690) |  | (354) |  |  |
| Policy charges | (27635) | (2583) | (5674) | (8249) | (4260) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (757) |  | (1016) |  | (7459) |
| Death benefits | (146) |  |  |  |  |
| Increase (decrease) from transactions | (28662) | 9861 | (29909) | 19392 | 20900 |
| Increase (decrease) in net assets | (37173) | 16885 | (5729) | 46178 | 38728 |
| Net assets at beginning of year | 554871 | 63938 | 213304 | 118899 | 77895 |
| Net assets at end of year | $517698 | $80823 | $207575 | $165077 | $116623 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 400168 | 49470 | 115096 | 64457 | 17815 |
| Units purchased | 41326 | 9108 | 7713 | 13209 | 6568 |
| Units redeemed | (56395) | (1903) | (20858) | (3963) | (2361) |
| Units outstanding at end of year | 385099 | 56675 | 101951 | 73703 | 22022 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 124

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**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **CTIVP T Rowe** <br> **Price LgCap** <br> **Val,** <br>**Cl 1**<br>| **CTIVP T Rowe** <br> **Price LgCap** <br> **Val,** <br>**Cl 2**<br>| **CTIVP TCW** <br> **Core Plus** <br> **Bond,** <br>**Cl 1**<br>| **CTIVP TCW** <br> **Core Plus** <br> **Bond,** <br>**Cl 2**<br>| **CTIVP Vty** <br> **Sycamore Estb** <br> **Val,** <br>**Cl 1**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $— | $— | $3325 | $1654 | $— |
| Net realized gain (loss) on sales of investments | 4550 | 1472 | (1090) | (32) | 11346 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 18933 | 14077 | (1915) | (1400) | 50998 |
| Net increase (decrease) in net assets resulting from operations | 23483 | 15549 | 320 | 222 | 62344 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 45997 | 7446 | 7526 | 941 | 154735 |
| Net transfers<sup>(1)</sup> <br>| 7965 | (2635) | (6234) | 749 | 25064 |
| Transfers for policy loans | (17013) | (451) |  |  | 3756 |
| Policy charges | (18532) | (1262) | (5343) | (653) | (31517) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits |  |  |  |  | (10588) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | 18417 | 3098 | (4051) | 1037 | 141450 |
| Increase (decrease) in net assets | 41900 | 18647 | (3731) | 1259 | 203794 |
| Net assets at beginning of year | 187324 | 131380 | 87087 | 41165 | 554052 |
| Net assets at end of year | $229224 | $150027 | $83356 | $42424 | $757846 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 122303 | 52147 | 82841 | 36369 | 321941 |
| Units purchased | 32222 | 2698 | 7077 | 1500 | 101233 |
| Units redeemed | (20830) | (1523) | (11219) | (577) | (22541) |
| Units outstanding at end of year | 133695 | 53322 | 78699 | 37292 | 400633 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**125 ■ RiverSource of New York Account 8**

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**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **CTIVP Vty** <br> **Sycamore Estb** <br> **Val,** <br>**Cl 2**<br>| **CTIVP Vty** <br> **Sycamore Estb** <br> **Val,** <br>**Cl 3**<br>| **CTIVP** <br> **Wellington Lg** <br> **Cap Val,** <br>**Cl 1**<br>| **CTIVP** <br> **Wellington Lg** <br> **Cap Val,** <br>**Cl 2**<br>| **CTIVP** <br> **Westfield Mid** <br> **Cap Gro,** <br>**Cl 1**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $— | $(6112) | $— | $— | $— |
| Net realized gain (loss) on sales of investments | 39131 | 115313 | 5213 | 3256 | 1295 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 15979 | (2508) | 15151 | 26351 | 14743 |
| Net increase (decrease) in net assets resulting from operations | 55110 | 106693 | 20364 | 29607 | 16038 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 41085 | 18373 | 129138 | 13520 | 29423 |
| Net transfers<sup>(1)</sup> <br>| (63884) | (53727) | 203563 | 1425 | 4664 |
| Transfers for policy loans | (6531) | (129138) |  | (6464) | (6025) |
| Policy charges | (11310) | (16533) | (27292) | (4779) | (5284) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (254) | (60544) |  |  |  |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (40894) | (241569) | 305409 | 3702 | 22778 |
| Increase (decrease) in net assets | 14216 | (134876) | 325773 | 33309 | 38816 |
| Net assets at beginning of year | 534583 | 1247572 | 207794 | 252418 | 82165 |
| Net assets at end of year | $548799 | $1112696 | $533567 | $285727 | $120981 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 144447 | 270524 | 135989 | 85181 | 49013 |
| Units purchased | 10339 | 18820 | 192831 | 4731 | 18773 |
| Units redeemed | (19518) | (67800) | (16236) | (3387) | (6362) |
| Units outstanding at end of year | 135268 | 221544 | 312584 | 86525 | 61424 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 126

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**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **CTIVP** <br> **Westfield Mid** <br> **Cap Gro,** <br>**Cl 2**<br>| **CTIVP** <br> **Westfield Sel** <br> **Lg Cp Gr,** <br>**Cl 1**<br>| **CTIVP** <br> **Westfield Sel** <br> **Lg Cp Gr,** <br>**Cl 2**<br>| **CVT EAFE Intl** <br> **Index,** <br>**Cl F**<br>| **CVT EAFE Intl** <br> **Index,** <br>**Cl I**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $— | $— | $— | $520 | $4621 |
| Net realized gain (loss) on sales of investments | 436 | 972 | 319 | 104 | 355 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 12620 | 44557 | 15219 | (8) | (4248) |
| Net increase (decrease) in net assets resulting from operations | 13056 | 45529 | 15538 | 616 | 728 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 3294 | 26691 | 5060 | 480 | 37375 |
| Net transfers<sup>(1)</sup> <br>| 5000 | (2688) | (21189) | 17278 | 37264 |
| Transfers for policy loans | 505 |  | 525 |  |  |
| Policy charges | (477) | (5063) | (3008) | (1666) | (8260) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (1175) |  |  | (413) |  |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | 7147 | 18940 | (18612) | 15679 | 66379 |
| Increase (decrease) in net assets | 20203 | 64469 | (3074) | 16295 | 67107 |
| Net assets at beginning of year | 69959 | 151030 | 70545 | 1966 | 102156 |
| Net assets at end of year | $90162 | $215499 | $67471 | $18261 | $169263 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 21688 | 104109 | 21029 | 1364 | 88401 |
| Units purchased | 2592 | 17299 | 1594 | 15405 | 60341 |
| Units redeemed | (430) | (4902) | (6805) | (1368) | (6735) |
| Units outstanding at end of year | 23850 | 116506 | 15818 | 15401 | 142007 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**127 ■ RiverSource of New York Account 8**

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**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **CVT Nasdaq** <br> **100 Index,** <br>**Cl F**<br>| **CVT Nasdaq** <br> **100 Index,** <br>**Cl I**<br>| **CVT Russ 2000** <br> **Sm Cap Ind,** <br>**Cl F**<br>| **CVT Russ 2000** <br> **Sm Cap Ind,** <br>**Cl I**<br>| **DWS Alt Asset** <br> **Alloc VIP,** <br>**Cl A**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $211 | $1064 | $206 | $1037 | $1604 |
| Net realized gain (loss) on sales of investments | 144 | 1879 | 98 | 518 | 10 |
| Distributions from capital gains | 4147 | 20909 | 333 | 1677 | 25 |
| Net change in unrealized appreciation (depreciation) of investments | 6548 | 29033 | 1259 | 4287 | 508 |
| Net increase (decrease) in net assets resulting from operations | 11050 | 52885 | 1896 | 7519 | 2147 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 1742 | 101559 | 557 | 16420 | 41252 |
| Net transfers<sup>(1)</sup> <br>| 35617 | 134140 | 15667 | 50013 | 68447 |
| Transfers for policy loans | 20 |  |  |  |  |
| Policy charges | (1583) | (36803) | (1391) | (9157) | (3860) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits |  |  | (379) |  |  |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | 35796 | 198896 | 14454 | 57276 | 105839 |
| Increase (decrease) in net assets | 46846 | 251781 | 16350 | 64795 | 107986 |
| Net assets at beginning of year | 19111 | 109164 | 371 | 21811 | 27043 |
| Net assets at end of year | $65957 | $360945 | $16721 | $86606 | $135029 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 14544 | 82737 |  | 19609 | 21555 |
| Units purchased | 26723 | 160057 | 14771 | 58102 | 83262 |
| Units redeemed | (1073) | (24301) | (1183) | (7711) | (2932) |
| Units outstanding at end of year | 40194 | 218493 | 13588 | 70000 | 101885 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 128

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**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **DWS Alt Asset** <br> **Alloc VIP,** <br>**Cl B**<br>| **EV VT** <br> **Floating-Rate** <br> **Inc, Init Cl**<br>| **EV VT** <br> **Floating-Rate** <br> **Inc, Inst Cl**<sup>(2)</sup><sup>,</sup><sup>(3)</sup> <br>| **Fid VIP** <br> **Contrafund,** <br> **Init Cl**<br>| **Fid VIP** <br> **Contrafund,** <br>**Serv Cl 2**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $8662 | $104330 | $339 | $3218 | $(32242) |
| Net realized gain (loss) on sales of investments | (214) | (15756) |  | 6988 | 489100 |
| Distributions from capital gains | 157 |  |  | 219457 | 944950 |
| Net change in unrealized appreciation (depreciation) of investments | 4703 | 9105 | (6) | 101784 | 546087 |
| Net increase (decrease) in net assets resulting from operations | 13308 | 97679 | 333 | 331447 | 1947895 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 21230 | 20984 | 2263 | 312426 | 184532 |
| Net transfers<sup>(1)</sup> <br>| 21294 | (23275) | 3719 | 772742 | 780897 |
| Transfers for policy loans | 503 | (9573) |  | (14058) | (294877) |
| Policy charges | (8610) | (32797) | (189) | (91008) | (141801) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (8) | (22452) |  | (1829) | (492548) |
| Death benefits |  | (1048) |  |  | (1256) |
| Increase (decrease) from transactions | 34409 | (68161) | 5793 | 978273 | 34947 |
| Increase (decrease) in net assets | 47717 | 29518 | 6126 | 1309720 | 1982842 |
| Net assets at beginning of year | 260554 | 1426202 |  | 702527 | 5896977 |
| Net assets at end of year | $308271 | $1455720 | $6126 | $2012247 | $7879819 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 202119 | 883468 |  | 366743 | 1339507 |
| Units purchased | 32851 | 200883 | 3854 | 463354 | 254108 |
| Units redeemed | (6530) | (195429) | (181) | (44944) | (208951) |
| Units outstanding at end of year | 228440 | 888922 | 3673 | 785153 | 1384664 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**129 ■ RiverSource of New York Account 8**

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**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **Fid VIP Emer** <br> **Mkts, Init Cl**<sup>(2)</sup> <br>| **Fid VIP** <br> **Energy, Init** <br> **Cl**<sup>(2)</sup> <br>| **Fid VIP Gro &** <br> **Inc,** <br>**Serv Cl**<br>| **Fid VIP Gro &** <br> **Inc,** <br>**Serv Cl 2**<br>| **Fid VIP Gro** <br> **Opp, Init Cl**<sup>(2)</sup> <br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $42 | $23 | $37350 | $20774 | $— |
| Net realized gain (loss) on sales of investments | 2 | (1) | 167846 | 252128 | 3799 |
| Distributions from capital gains |  |  | 337343 | 162243 |  |
| Net change in unrealized appreciation (depreciation) of investments | (4) | (86) | 409102 | 27412 | 1676 |
| Net increase (decrease) in net assets resulting from operations | 40 | (64) | 951641 | 462557 | 5475 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 258 | 319 | 122213 | 48276 | 261215 |
| Net transfers<sup>(1)</sup> <br>| 3084 | 1014 | (37536) | (13320) | (167486) |
| Transfers for policy loans |  |  | 8906 | (120127) |  |
| Policy charges | (84) | (38) | (185753) | (54998) | (219) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits |  |  | (198224) | (135566) | (270) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | 3258 | 1295 | (290394) | (275735) | 93240 |
| Increase (decrease) in net assets | 3298 | 1231 | 661247 | 186822 | 98715 |
| Net assets at beginning of year |  |  | 4579195 | 2266201 |  |
| Net assets at end of year | $3298 | $1231 | $5240442 | $2453023 | $98715 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year |  |  | 906130 | 865574 |  |
| Units purchased | 2905 | 1096 | 29372 | 276643 | 191231 |
| Units redeemed | (72) | (35) | (80083) | (289242) | (119931) |
| Units outstanding at end of year | 2833 | 1061 | 855419 | 852975 | 71300 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 130

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**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **Fid VIP Invest** <br> **Gr, Init Cl**<sup>(2)</sup> <br>| **Fid VIP Mid** <br> **Cap, Init Cl**<br>| **Fid VIP Mid** <br> **Cap,** <br>**Serv Cl**<br>| **Fid VIP Mid** <br> **Cap,** <br>**Serv Cl 2**<br>| **Fid VIP** <br> **Overseas,** <br>**Serv Cl**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $872 | $4385 | $(13362) | $(1501) | $14774 |
| Net realized gain (loss) on sales of investments | 19 | 2100 | 86638 | 165999 | 38372 |
| Distributions from capital gains |  | 96920 | 791081 | 769222 | 74911 |
| Net change in unrealized appreciation (depreciation) of investments | (1429) | (21331) | 52815 | (37276) | (67200) |
| Net increase (decrease) in net assets resulting from operations | (538) | 82074 | 917172 | 896444 | 60857 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 7926 | 164275 | 107555 | 133871 | 43319 |
| Net transfers<sup>(1)</sup> <br>| 30538 | 241253 | (22706) | (105695) | 125134 |
| Transfers for policy loans |  | (13360) | (32651) | (181138) | 3406 |
| Policy charges | (1105) | (37696) | (198315) | (113384) | (41662) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (78) | (667) | (236687) | (399158) | (72590) |
| Death benefits |  |  | (4297) | (382) |  |
| Increase (decrease) from transactions | 37281 | 353805 | (387101) | (665886) | 57607 |
| Increase (decrease) in net assets | 36743 | 435879 | 530071 | 230558 | 118464 |
| Net assets at beginning of year |  | 433660 | 5692586 | 5571907 | 1470954 |
| Net assets at end of year | $36743 | $869539 | $6222657 | $5802465 | $1589418 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year |  | 278924 | 974274 | 2433962 | 570392 |
| Units purchased | 37100 | 226332 | 19921 | 486546 | 70226 |
| Units redeemed | (1066) | (29248) | (78532) | (697432) | (45108) |
| Units outstanding at end of year | 36034 | 476008 | 915663 | 2223076 | 595510 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**131 ■ RiverSource of New York Account 8**

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**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **Fid VIP** <br> **Overseas,** <br>**Serv Cl 2**<br>| **Fid VIP** <br> **Strategic Inc,** <br> **Init Cl**<br>| **Fid VIP** <br> **Strategic Inc,** <br>**Serv Cl 2**<br>| **Frank Global** <br> **Real Est,** <br>**Cl 2**<br>| **Frank Inc,** <br>**Cl 1**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $13159 | $21543 | $820 | $26201 | $2834 |
| Net realized gain (loss) on sales of investments | 67897 | 1810 | (3) | (64081) | 45 |
| Distributions from capital gains | 59398 |  |  |  | 221 |
| Net change in unrealized appreciation (depreciation) of investments | (83149) | 3977 | 653 | 30390 | 790 |
| Net increase (decrease) in net assets resulting from operations | 57305 | 27330 | 1470 | (7490) | 3890 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 37831 | 188407 | 2514 | 76267 | 17495 |
| Net transfers<sup>(1)</sup> <br>| 20719 | 66504 | (4234) | (101046) | (700) |
| Transfers for policy loans | (36555) | 5635 | 901 | (67079) |  |
| Policy charges | (20059) | (35682) | (786) | (62458) | (5945) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (46135) | (9611) |  | (74891) |  |
| Death benefits |  |  |  | (119) |  |
| Increase (decrease) from transactions | (44199) | 215253 | (1605) | (229326) | 10850 |
| Increase (decrease) in net assets | 13106 | 242583 | (135) | (236816) | 14740 |
| Net assets at beginning of year | 1224179 | 359237 | 23424 | 2039199 | 46630 |
| Net assets at end of year | $1237285 | $601820 | $23289 | $1802383 | $61370 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 708317 | 311685 | 17046 | 890097 | 35508 |
| Units purchased | 143610 | 218311 | 2411 | 121044 | 12633 |
| Units redeemed | (158757) | (37755) | (3436) | (175157) | (4652) |
| Units outstanding at end of year | 693170 | 492241 | 16021 | 835984 | 43489 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 132

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**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **Frank Inc,** <br>**Cl 2**<br>| **Frank Mutual** <br> **Shares,** <br>**Cl 1**<br>| **Frank Mutual** <br> **Shares,** <br>**Cl 2**<br>| **Frank Sm Cap** <br> **Val,** <br>**Cl 1**<br>| **Frank Sm Cap** <br> **Val,** <br>**Cl 2**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $22852 | $652 | $27307 | $2580 | $13078 |
| Net realized gain (loss) on sales of investments | (1505) | 136 | (11995) | 2129 | (47162) |
| Distributions from capital gains | 2086 | 602 | 36884 | 5088 | 67059 |
| Net change in unrealized appreciation (depreciation) of investments | 8883 | 1418 | 132091 | 17475 | 273830 |
| Net increase (decrease) in net assets resulting from operations | 32316 | 2808 | 184287 | 27272 | 306805 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 11441 | 5012 | 62967 | 60567 | 59145 |
| Net transfers<sup>(1)</sup> <br>| 34511 |  | (7053) | (29652) | (45380) |
| Transfers for policy loans | (21883) |  | (19436) |  | (51029) |
| Policy charges | (13734) | (2646) | (36752) | (17978) | (62210) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (10211) |  | (124556) | (5127) | (90294) |
| Death benefits |  |  |  |  | (341) |
| Increase (decrease) from transactions | 124 | 2366 | (124830) | 7810 | (190109) |
| Increase (decrease) in net assets | 32440 | 5174 | 59457 | 35082 | 116696 |
| Net assets at beginning of year | 446052 | 25391 | 1692719 | 212299 | 2855602 |
| Net assets at end of year | $478492 | $30565 | $1752176 | $247381 | $2972298 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 310215 | 19019 | 592966 | 143186 | 678772 |
| Units purchased | 52149 | 3356 | 68977 | 38565 | 127469 |
| Units redeemed | (49068) | (1841) | (84979) | (32796) | (98632) |
| Units outstanding at end of year | 313296 | 20534 | 576964 | 148955 | 707609 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**133 ■ RiverSource of New York Account 8**

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**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **GS VIT Mid** <br> **Cap Val, Inst**<br>| **GS VIT Sm Cap** <br> **Eq Insights,** <br> **Inst**<br>| **GS VIT U.S. Eq** <br> **Insights, Inst**<br>| **Invesco VI Am** <br> **Fran, Ser I**<br>| **Invesco VI Am** <br> **Fran, Ser II**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $30199 | $343 | $3632 | $(4744) | $(4721) |
| Net realized gain (loss) on sales of investments | 66331 | 39135 | 151196 | 16536 | 40403 |
| Distributions from capital gains | 361558 | 34251 | 415257 |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 243637 | 33190 | 180637 | 193929 | 290774 |
| Net increase (decrease) in net assets resulting from operations | 701725 | 106919 | 750722 | 205721 | 326456 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 144034 | 11270 | 60049 | 10866 | 13206 |
| Net transfers<sup>(1)</sup> <br>| (66096) | (2738) | (120983) | (3733) | 22465 |
| Transfers for policy loans | (26649) | 252 | (90983) | (34916) | (55771) |
| Policy charges | (145232) | (15092) | (60682) | (23918) | (16244) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (370031) | (206332) | (310584) | (9539) | (110237) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (463974) | (212640) | (523183) | (61240) | (146581) |
| Increase (decrease) in net assets | 237751 | (105721) | 227539 | 144481 | 179875 |
| Net assets at beginning of year | 6092781 | 551818 | 2923675 | 628746 | 994889 |
| Net assets at end of year | $6330532 | $446097 | $3151214 | $773227 | $1174764 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 1274946 | 110189 | 629528 | 164227 | 319425 |
| Units purchased | 298099 | 2460 | 24474 | 2535 | 57571 |
| Units redeemed | (218555) | (39624) | (116627) | (15864) | (91203) |
| Units outstanding at end of year | 1354490 | 73025 | 537375 | 150898 | 285793 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 134

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**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **Invesco VI Bal** <br> **Risk Alloc, Ser** <br> **I**<br>| **Invesco VI Bal** <br> **Risk Alloc, Ser** <br> **II**<br>| **Invesco VI** <br> **Comstock, Ser** <br> **II**<br>| **Invesco VI** <br> **Core Eq, Ser I**<br>| **Invesco VI Dis** <br> **Mid Cap** <br> **Gro, Ser I**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $2153 | $15601 | $5053 | $(18194) | $(5176) |
| Net realized gain (loss) on sales of investments | (73) | (1531) | 18895 | 167301 | (6143) |
| Distributions from capital gains |  |  | 37704 | 955708 |  |
| Net change in unrealized appreciation (depreciation) of investments | (969) | (6352) | (2815) | 1360024 | 206987 |
| Net increase (decrease) in net assets resulting from operations | 1111 | 7718 | 58837 | 2464839 | 195668 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 8455 | 9544 | 9858 | 278512 | 34780 |
| Net transfers<sup>(1)</sup> <br>| 753 | 10516 | 141689 | (186801) | (55386) |
| Transfers for policy loans |  | 840 | (4515) | 2344 | (3244) |
| Policy charges | (3607) | (2146) | (6620) | (408900) | (20326) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits |  |  | (56855) | (513397) | (56535) |
| Death benefits |  |  |  | (4993) |  |
| Increase (decrease) from transactions | 5601 | 18754 | 83557 | (833235) | (100711) |
| Increase (decrease) in net assets | 6712 | 26472 | 142394 | 1631604 | 94957 |
| Net assets at beginning of year | 29236 | 253106 | 390796 | 10346008 | 881494 |
| Net assets at end of year | $35948 | $279578 | $533190 | $11977612 | $976451 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 24567 | 188524 | 112553 | 2031002 | 637417 |
| Units purchased | 7403 | 17465 | 43186 | 48540 | 34773 |
| Units redeemed | (2890) | (4500) | (19468) | (190151) | (100617) |
| Units outstanding at end of year | 29080 | 201489 | 136271 | 1889391 | 571573 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**135 ■ RiverSource of New York Account 8**

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**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **Invesco VI Div** <br> **Divd, Ser I**<br>| **Invesco VI** <br> **EQV Intl** <br> **Eq, Ser II**<br>| **Invesco VI Gbl** <br> **Strat Inc, Ser I**<br>| **Invesco VI Gbl** <br> **Strat Inc, Ser** <br> **II**<br>| **Invesco VI** <br> **Global, Ser I**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $15044 | $11280 | $1369 | $33641 | $— |
| Net realized gain (loss) on sales of investments | 17825 | 7703 | 80 | (40002) | 12167 |
| Distributions from capital gains | 44278 | 5993 |  |  | 32025 |
| Net change in unrealized appreciation (depreciation) of investments | 64472 | (24320) | (133) | 39191 | 37285 |
| Net increase (decrease) in net assets resulting from operations | 141619 | 656 | 1316 | 32830 | 81477 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 24636 | 26756 | 16283 | 52842 | 133415 |
| Net transfers<sup>(1)</sup> <br>| (91558) | 15395 | 576 | 34009 | (84356) |
| Transfers for policy loans | (74698) | (3463) |  | (215077) | (3422) |
| Policy charges | (20976) | (20308) | (4447) | (46305) | (36515) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (39163) | (60723) |  | (41914) | (16213) |
| Death benefits |  | (2069) |  | (200) |  |
| Increase (decrease) from transactions | (201759) | (44412) | 12412 | (216645) | (7091) |
| Increase (decrease) in net assets | (60140) | (43756) | 13728 | (183815) | 74386 |
| Net assets at beginning of year | 1167398 | 1110101 | 30814 | 1624807 | 499172 |
| Net assets at end of year | $1107258 | $1066345 | $44542 | $1440992 | $573558 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 449499 | 477206 | 30185 | 1128210 | 319139 |
| Units purchased | 8436 | 42516 | 16418 | 99489 | 75818 |
| Units redeemed | (81835) | (55790) | (4306) | (278744) | (79020) |
| Units outstanding at end of year | 376100 | 463932 | 42297 | 948955 | 315937 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 136

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**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **Invesco VI** <br> **Global, Ser II**<br>| **Invesco VI** <br> **Mn St Sm** <br> **Cap, Ser I**<br>| **Invesco VI** <br> **Mn St Sm** <br> **Cap, Ser II**<br>| **Invesco VI** <br> **Tech, Ser I**<br>| **Invesco VI** <br> **Tech, Ser II**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $(6966) | $— | $(6267) | $(6899) | $— |
| Net realized gain (loss) on sales of investments | 17309 | 1061 | 27657 | 19474 | 37 |
| Distributions from capital gains | 108318 | 14625 | 71274 | 67844 | 393 |
| Net change in unrealized appreciation (depreciation) of investments | 151838 | 21110 | 118934 | 358957 | 1778 |
| Net increase (decrease) in net assets resulting from operations | 270499 | 36796 | 211598 | 439376 | 2208 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 80780 | 82029 | 60125 | 57312 |  |
| Net transfers<sup>(1)</sup> <br>| (294891) | 110799 | 54294 | 87379 | 226 |
| Transfers for policy loans | (41348) | (7837) | (89183) | (17277) |  |
| Policy charges | (35287) | (17790) | (29711) | (41392) | (31) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (80528) | (1924) | (11083) | (30838) | (159) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (371274) | 165277 | (15558) | 55184 | 36 |
| Increase (decrease) in net assets | (100775) | 202073 | 196040 | 494560 | 2244 |
| Net assets at beginning of year | 1823314 | 252875 | 1802594 | 1252269 | 6355 |
| Net assets at end of year | $1722539 | $454948 | $1998634 | $1746829 | $8599 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 512963 | 160827 | 497496 | 303612 | 5245 |
| Units purchased | 23998 | 112115 | 56366 | 119088 | 200 |
| Units redeemed | (127827) | (16169) | (45510) | (43101) | (21) |
| Units outstanding at end of year | 409134 | 256773 | 508352 | 379599 | 5424 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**137 ■ RiverSource of New York Account 8**

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**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **Janus Hend** <br> **VIT Gbl Tech** <br> **Innov, Srv**<br>| **Janus** <br> **Henderson VIT** <br> **Bal, Inst**<br>| **Janus** <br> **Henderson VIT** <br> **Bal, Serv**<br>| **Janus** <br> **Henderson VIT** <br> **Enter, Serv**<br>| **Janus** <br> **Henderson VIT** <br> **Flex Bd, Inst**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $(13938) | $18639 | $1034 | $840 | $12343 |
| Net realized gain (loss) on sales of investments | 203872 | 2463 | 5641 | 4022 | (31) |
| Distributions from capital gains |  |  |  | 38221 |  |
| Net change in unrealized appreciation (depreciation) of investments | 501839 | 98222 | 3004 | 73704 | (11477) |
| Net increase (decrease) in net assets resulting from operations | 691773 | 119324 | 9679 | 116787 | 835 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 41609 | 135096 | 1336 | 11441 | 102904 |
| Net transfers<sup>(1)</sup> <br>| 7824 | 19003 | (23618) | (3014) | 219812 |
| Transfers for policy loans | (111225) |  | (3) | (860) |  |
| Policy charges | (49046) | (39181) | (307) | (13184) | (16449) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (228273) | (215) | (342) | (3688) |  |
| Death benefits | (5001) |  |  |  |  |
| Increase (decrease) from transactions | (344112) | 114703 | (22934) | (9305) | 306267 |
| Increase (decrease) in net assets | 347661 | 234027 | (13255) | 107482 | 307102 |
| Net assets at beginning of year | 2297291 | 737372 | 64068 | 800241 | 81235 |
| Net assets at end of year | $2644952 | $971399 | $50813 | $907723 | $388337 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 311522 | 498152 | 41082 | 117904 | 75329 |
| Units purchased | 81835 | 94741 | 794 | 1684 | 292912 |
| Units redeemed | (102698) | (24348) | (13574) | (3555) | (15052) |
| Units outstanding at end of year | 290659 | 568545 | 28302 | 116033 | 353189 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 138

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**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **Janus** <br> **Henderson VIT** <br> **Flex Bd, Serv**<br>| **Janus** <br> **Henderson VIT** <br> **Overseas,** <br> **Serv**<br>| **Janus** <br> **Henderson VIT** <br> **Res, Inst**<br>| **Janus** <br> **Henderson VIT** <br> **Res, Serv**<br>| **Lazard Ret** <br> **Global Dyn** <br> **MA, Inv**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $1705 | $13544 | $19 | $(4110) | $— |
| Net realized gain (loss) on sales of investments | (12) | 62753 | 86 | 58441 | 95 |
| Distributions from capital gains |  |  | 1815 | 22712 |  |
| Net change in unrealized appreciation (depreciation) of investments | (1423) | 14218 | 16689 | 137822 | 1065 |
| Net increase (decrease) in net assets resulting from operations | 270 | 90515 | 18609 | 214865 | 1160 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 6765 | 62299 | 4170 | 17441 | 5435 |
| Net transfers<sup>(1)</sup> <br>| 14180 | 1133 |  | 66166 | 1105 |
| Transfers for policy loans |  | (64426) |  | (40141) |  |
| Policy charges | (426) | (60035) | (559) | (17372) | (2936) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits |  | (99997) |  | (56181) |  |
| Death benefits |  | (217) |  |  |  |
| Increase (decrease) from transactions | 20519 | (161243) | 3611 | (30087) | 3604 |
| Increase (decrease) in net assets | 20789 | (70728) | 22220 | 184778 | 4764 |
| Net assets at beginning of year | 26124 | 1822478 | 51257 | 618403 | 11605 |
| Net assets at end of year | $46913 | $1751750 | $73477 | $803181 | $16369 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 22004 | 746386 | 26822 | 125568 | 10212 |
| Units purchased | 17235 | 64024 | 1835 | 25338 | 5481 |
| Units redeemed | (357) | (113380) | (241) | (22798) | (2435) |
| Units outstanding at end of year | 38882 | 697030 | 28416 | 128108 | 13258 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**139 ■ RiverSource of New York Account 8**

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**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **Lazard Ret** <br> **Global Dyn** <br> **MA, Serv**<br>| **Lord Abt Bond** <br> **Debenture,** <br>**Cl VC**<sup>(2)</sup> <br>| **LVIP AC Intl,** <br>**Serv Cl**<br>| **LVIP AC Intl,** <br> **Std** <br>**Cl II**<br>| **LVIP AC Mid** <br> **Cap Val, Std** <br>**Cl II**<sup>(2)</sup> <br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $(88) | $1176 | $7252 | $6106 | $504 |
| Net realized gain (loss) on sales of investments | (184) | 21 | 5526 | 21213 | 78 |
| Distributions from capital gains |  |  |  |  | 443 |
| Net change in unrealized appreciation (depreciation) of investments | 1548 | (1114) | 10907 | (11369) | (416) |
| Net increase (decrease) in net assets resulting from operations | 1276 | 83 | 23685 | 15950 | 609 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 241 | 5146 | 18837 | 22702 | 6293 |
| Net transfers<sup>(1)</sup> <br>| (2682) | 16818 | (115636) | (14629) | 19640 |
| Transfers for policy loans | 373 |  | 1672 | 3485 |  |
| Policy charges | (577) | (817) | (11927) | (23444) | (2274) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits |  | (80) | (43021) | (117583) | (106) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (2645) | 21067 | (150075) | (129469) | 23553 |
| Increase (decrease) in net assets | (1369) | 21150 | (126390) | (113519) | 24162 |
| Net assets at beginning of year | 17069 |  | 786190 | 701441 |  |
| Net assets at end of year | $15700 | $21150 | $659800 | $587922 | $24162 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 12357 |  | 510154 | 315441 |  |
| Units purchased | 2148 | 20624 | 61530 | 10849 | 24308 |
| Units redeemed | (3871) | (767) | (147800) | (80554) | (2110) |
| Units outstanding at end of year | 10634 | 19857 | 423884 | 245736 | 22198 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 140

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**Statement of Changes in Net Assets**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **LVIP AC Val,** <br>**Serv Cl**<br>| **LVIP AC Val,** <br> **Std** <br>**Cl II**<br>| **MFS Gbl Real** <br> **Est, Init Cl**<sup>(2)</sup> <br>| **MFS Intl Gro,** <br> **Init Cl**<sup>(2)</sup> <br>| **MFS Mass Inv** <br> **Gro Stock,** <br>**Serv Cl**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $56762 | $87139 | $2 | $444 | $(14181) |
| Net realized gain (loss) on sales of investments | 79173 | 173899 |  | 122 | 61526 |
| Distributions from capital gains | 137832 | 231072 |  | 144 | 311360 |
| Net change in unrealized appreciation (depreciation) of investments | (69836) | (142558) | (2) | (490) | 125357 |
| Net increase (decrease) in net assets resulting from operations | 203931 | 349552 |  | 220 | 484062 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 60540 | 135953 | 75 | 16477 | 52133 |
| Net transfers<sup>(1)</sup> <br>| (100431) | (127065) |  | 62012 | 90252 |
| Transfers for policy loans | (26884) | 6006 |  |  | (29450) |
| Policy charges | (48495) | (146803) |  | (4202) | (69835) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (92525) | (394236) |  | (83) | (199648) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (207795) | (526145) | 75 | 74204 | (156548) |
| Increase (decrease) in net assets | (3864) | (176593) | 75 | 74424 | 327514 |
| Net assets at beginning of year | 2352619 | 4042517 |  |  | 3106178 |
| Net assets at end of year | $2348755 | $3865924 | $75 | $74424 | $3433692 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 1020712 | 875017 |  |  | 1137870 |
| Units purchased | 146231 | 45963 |  | 71046 | 86854 |
| Units redeemed | (209047) | (131210) |  | (3746) | (123232) |
| Units outstanding at end of year | 957896 | 789770 |  | 67300 | 1101492 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**141 ■ RiverSource of New York Account 8**

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **MFS New Dis,** <br>**Serv Cl**<br>| **MFS Utilities,** <br> **Init Cl**<br>| **MFS Utilities,** <br>**Serv Cl**<br>| **MS VIF Dis,** <br>**Cl I**<br>| **MS VIF Dis,** <br>**Cl II**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $(9986) | $1951 | $18400 | $— | $(4139) |
| Net realized gain (loss) on sales of investments | (157174) | (109) | 8367 | (22) | (166749) |
| Distributions from capital gains |  | 2407 | 32375 |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 280363 | 4809 | 53270 | 159278 | 489456 |
| Net increase (decrease) in net assets resulting from operations | 113203 | 9058 | 112412 | 159256 | 318568 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 44390 | 17522 | 47584 | 95785 | 34052 |
| Net transfers<sup>(1)</sup> <br>| 27586 | (2226) | (17455) | (49682) | 65283 |
| Transfers for policy loans | (96712) |  | (4801) | (4091) | 1374 |
| Policy charges | (46834) | (5480) | (38337) | (27225) | (25357) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (58416) | (1228) | (17090) | (9200) | (35516) |
| Death benefits |  |  | (3) |  |  |
| Increase (decrease) from transactions | (129986) | 8588 | (30102) | 5587 | 39836 |
| Increase (decrease) in net assets | (16783) | 17646 | 82310 | 164843 | 358404 |
| Net assets at beginning of year | 2010897 | 75089 | 1061468 | 362442 | 791586 |
| Net assets at end of year | $1994114 | $92735 | $1143778 | $527285 | $1149990 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 461521 | 54889 | 325018 | 265981 | 176174 |
| Units purchased | 125306 | 11843 | 75423 | 65912 | 38336 |
| Units redeemed | (112055) | (6023) | (47976) | (59065) | (20004) |
| Units outstanding at end of year | 474772 | 60709 | 352465 | 272828 | 194506 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 142

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **NB AMT** <br> **Quality Eq,** <br>**Cl I**<br>| **NB AMT** <br> **Quality Eq,** <br>**Cl S**<br>| **Nom VIP Asset** <br> **Strategy,** <br>**Serv Cl**<br>| **Nom VIP Asset** <br> **Strategy, Std** <br> **Cl**<sup>(2)</sup> <br>| **Nom VIP Intl** <br> **Core Eq, Std** <br> **Cl**<sup>(4)</sup> <br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $103 | $— | $889 | $3 | $1 |
| Net realized gain (loss) on sales of investments | 201 | 85 | 321 |  |  |
| Distributions from capital gains | 2215 | 2730 | 1977 | 6 |  |
| Net change in unrealized appreciation (depreciation) of investments | 6739 | 9298 | 3102 | 3 | (1) |
| Net increase (decrease) in net assets resulting from operations | 9258 | 12113 | 6289 | 12 |  |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 9506 | 2831 | 6807 | 171 | 75 |
| Net transfers<sup>(1)</sup> <br>|  |  | (7953) | 12 |  |
| Transfers for policy loans |  |  |  |  |  |
| Policy charges | (2243) | (671) | (1436) | (42) |  |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits |  |  | (3203) |  |  |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | 7263 | 2160 | (5785) | 141 | 75 |
| Increase (decrease) in net assets | 16521 | 14273 | 504 | 153 | 75 |
| Net assets at beginning of year | 32618 | 46275 | 54893 |  |  |
| Net assets at end of year | $49139 | $60548 | $55397 | $153 | $75 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 18941 | 13374 | 37412 |  |  |
| Units purchased | 4850 | 737 | 4302 | 98 |  |
| Units redeemed | (1116) | (170) | (7997) | (38) |  |
| Units outstanding at end of year | 22675 | 13941 | 33717 | 60 |  |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**143 ■ RiverSource of New York Account 8**

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **PIMCO VIT All** <br> **Asset, Advisor** <br> **Cl**<br>| **PIMCO VIT All** <br> **Asset, Inst Cl**<br>| **PIMCO VIT Glb** <br> **Man As Alloc,** <br> **Adv Cl**<br>| **PIMCO VIT Tot** <br> **Return,** <br> **Advisor Cl**<br>| **PIMCO VIT Tot** <br> **Return, Inst Cl**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $34947 | $943 | $198 | $16288 | $5604 |
| Net realized gain (loss) on sales of investments | (12108) | (130) | (43) | (13071) | (415) |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | (4189) | (334) | 429 | 5237 | (2355) |
| Net increase (decrease) in net assets resulting from operations | 18650 | 479 | 584 | 8454 | 2834 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 21991 | 6507 |  | 5143 | 41679 |
| Net transfers<sup>(1)</sup> <br>| (32713) |  |  | 86980 | 19308 |
| Transfers for policy loans | (15465) |  |  | (392) |  |
| Policy charges | (19827) | (3612) | (302) | (8178) | (12274) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (9887) |  |  | (8524) |  |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (55901) | 2895 | (302) | 75029 | 48713 |
| Increase (decrease) in net assets | (37251) | 3374 | 282 | 83483 | 51547 |
| Net assets at beginning of year | 616253 | 12766 | 5540 | 435359 | 115433 |
| Net assets at end of year | $579002 | $16140 | $5822 | $518842 | $166980 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 297716 | 9940 | 3619 | 397569 | 110352 |
| Units purchased | 18110 | 4888 |  | 83075 | 56652 |
| Units redeemed | (46531) | (2738) | (185) | (15943) | (11551) |
| Units outstanding at end of year | 269295 | 12090 | 3434 | 464701 | 155453 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 144

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**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **Put VT Global** <br> **Hlth Care,** <br>**Cl IA**<br>| **Put VT Global** <br> **Hlth Care,** <br>**Cl IB**<br>| **Put VT Hi** <br> **Yield,** <br>**Cl IB**<br>| **Put VT Intl Eq,** <br>**Cl IB**<br>| **Put VT Intl Val,** <br>**Cl IA**<sup>(2)</sup> <br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $317 | $(548) | $12940 | $2756 | $2 |
| Net realized gain (loss) on sales of investments | 848 | 16197 | (2491) | 3575 | 15 |
| Distributions from capital gains | 1954 | 64486 |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | (4191) | (64941) | 7301 | (2765) | (3) |
| Net increase (decrease) in net assets resulting from operations | (1072) | 15194 | 17750 | 3566 | 14 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 22844 | 24033 | 8958 | 3584 | 171 |
| Net transfers<sup>(1)</sup> <br>| 56 | (9581) | 1425 | 16904 | 2908 |
| Transfers for policy loans |  | (13483) | 86 | (619) |  |
| Policy charges | (3888) | (24248) | (10692) | (3496) | (539) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits |  | (18827) | (13511) | (3829) |  |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | 19012 | (42106) | (13734) | 12544 | 2540 |
| Increase (decrease) in net assets | 17940 | (26912) | 4016 | 16110 | 2554 |
| Net assets at beginning of year | 44251 | 1404360 | 251646 | 162490 |  |
| Net assets at end of year | $62191 | $1377448 | $255662 | $178600 | $2554 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 39456 | 324414 | 85154 | 73494 |  |
| Units purchased | 18388 | 42041 | 3531 | 28473 | 2806 |
| Units redeemed | (3318) | (28426) | (7763) | (19603) | (491) |
| Units outstanding at end of year | 54526 | 338029 | 80922 | 82364 | 2315 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**145 ■ RiverSource of New York Account 8**

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **Put VT Lg Cap** <br> **Val,** <br>**Cl IA**<sup>(2)</sup> <br>| **Put VT Sus** <br> **Leaders,** <br>**Cl IA**<br>| **Put VT Sus** <br> **Leaders,** <br>**Cl IB**<br>| **Royce Micro-**<br> **Cap, Invest Cl**<br>| **Temp Global** <br> **Bond,** <br>**Cl 1**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $44 | $(68241) | $(404) | $(13057) | $— |
| Net realized gain (loss) on sales of investments | 142 | 370548 | 7929 | (9324) | (17) |
| Distributions from capital gains | 150 | 88696 | 1212 | 130508 |  |
| Net change in unrealized appreciation (depreciation) of investments | 896 | 2365851 | 27614 | 117452 | (3236) |
| Net increase (decrease) in net assets resulting from operations | 1232 | 2756854 | 36351 | 225579 | (3253) |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 5563 | 222888 | 1630 | 61129 | 5076 |
| Net transfers<sup>(1)</sup> <br>| 39222 | (272202) | 16252 | (71466) |  |
| Transfers for policy loans |  | (43758) | (1541) | (11217) |  |
| Policy charges | (2398) | (368676) | (3541) | (76038) | (1741) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (145) | (409837) | (545) | (167577) |  |
| Death benefits |  |  |  | (1269) |  |
| Increase (decrease) from transactions | 42242 | (871585) | 12255 | (266438) | 3335 |
| Increase (decrease) in net assets | 43474 | 1885269 | 48606 | (40859) | 82 |
| Net assets at beginning of year |  | 12550221 | 150338 | 1977007 | 27102 |
| Net assets at end of year | $43474 | $14435490 | $198944 | $1936148 | $27184 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year |  | 1848151 | 30724 | 435903 | 30749 |
| Units purchased | 38371 | 28573 | 16228 | 13548 | 6026 |
| Units redeemed | (1991) | (139311) | (2653) | (69738) | (2072) |
| Units outstanding at end of year | 36380 | 1737413 | 44299 | 379713 | 34703 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 146

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **Temp Global** <br> **Bond,** <br>**Cl 2**<br>| **Third Ave VST** <br> **Third Ave** <br> **Value**<br>| **VanEck VIP** <br> **Global Gold,** <br>**Cl S**<br>| **VP Aggr,** <br>**Cl 1**<br>| **VP Aggr,** <br>**Cl 2**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $(630) | $46868 | $3787 | $— | $(66765) |
| Net realized gain (loss) on sales of investments | (8009) | 91334 | 1639 | 7243 | 1119008 |
| Distributions from capital gains |  | 191412 |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | (13708) | (386092) | 12112 | 211844 | 2344469 |
| Net increase (decrease) in net assets resulting from operations | (22347) | (56478) | 17538 | 219087 | 3396712 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 10357 | 67915 | 5764 | 931284 | 1084223 |
| Net transfers<sup>(1)</sup> <br>| (27544) | (127704) | 28110 | 1369074 | 621104 |
| Transfers for policy loans | 515 | (21158) | (203) |  | (289940) |
| Policy charges | (4288) | (73813) | (1987) | (147455) | (386406) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (2922) | (71525) | (1984) | (2780) | (2755308) |
| Death benefits |  | (1261) |  |  |  |
| Increase (decrease) from transactions | (23882) | (227546) | 29700 | 2150123 | (1726327) |
| Increase (decrease) in net assets | (46229) | (284024) | 47238 | 2369210 | 1670385 |
| Net assets at beginning of year | 203323 | 2465879 | 145126 | 1669346 | 26120255 |
| Net assets at end of year | $157094 | $2181855 | $192364 | $4038556 | $27790640 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 229541 | 653424 | 115974 | 1165998 | 11567491 |
| Units purchased | 15026 | 18537 | 22202 | 1415672 | 885563 |
| Units redeemed | (45178) | (77282) | (2869) | (96166) | (1553693) |
| Units outstanding at end of year | 199389 | 594679 | 135307 | 2485504 | 10899361 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**147 ■ RiverSource of New York Account 8**

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **VP Aggr,** <br>**Cl 4**<br>| **VP Conserv,** <br>**Cl 1**<br>| **VP Conserv,** <br>**Cl 2**<br>| **VP Conserv,** <br>**Cl 4**<br>| **VP Man Vol** <br> **Conserv Gro,** <br>**Cl 1**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $(122982) | $— | $(2794) | $(2502) | $— |
| Net realized gain (loss) on sales of investments | 2083812 |  | 3973 | 6040 | (47) |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 1021051 | 1 | 20371 | 10512 | 4053 |
| Net increase (decrease) in net assets resulting from operations | 2981881 | 1 | 21550 | 14050 | 4006 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 473524 |  | 48686 | 24235 | 2401 |
| Net transfers<sup>(1)</sup> <br>| 142624 |  | 306337 | 195203 |  |
| Transfers for policy loans | (28571) |  | (2123) | (5062) |  |
| Policy charges | (421502) |  | (40932) | (41342) | (1835) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (1263354) |  | (16579) | (3936) |  |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (1097279) |  | 295389 | 169098 | 566 |
| Increase (decrease) in net assets | 1884602 | 1 | 316939 | 183148 | 4572 |
| Net assets at beginning of year | 23650778 | 22 | 583324 | 431816 | 56064 |
| Net assets at end of year | $25535380 | $23 | $900263 | $614964 | $60636 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 9987451 |  | 429668 | 304660 | 48598 |
| Units purchased | 1537684 |  | 268844 | 162956 | 1977 |
| Units redeemed | (1399226) |  | (54928) | (34765) | (1520) |
| Units outstanding at end of year | 10125909 |  | 643584 | 432851 | 49055 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 148

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**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **VP Man Vol** <br> **Conserv Gro,** <br>**Cl 2**<br>| **VP Man Vol** <br> **Conserv,** <br>**Cl 1**<br>| **VP Man Vol** <br> **Conserv,** <br>**Cl 2**<br>| **VP Man Vol** <br> **Gro,** <br>**Cl 1**<br>| **VP Man Vol** <br> **Gro,** <br>**Cl 2**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $(872) | $— | $(671) | $— | $(7361) |
| Net realized gain (loss) on sales of investments | 1709 |  | 303 | 3709 | 21176 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 4689 | 102 | 4334 | 133556 | 251390 |
| Net increase (decrease) in net assets resulting from operations | 5526 | 102 | 3966 | 137265 | 265205 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 2815 | 3064 | 1696 | 219660 | 48449 |
| Net transfers<sup>(1)</sup> <br>| 230971 | 120 | 13109 | 747794 | 228800 |
| Transfers for policy loans | (490) |  |  |  | 15810 |
| Policy charges | (10367) | (509) | (3300) | (75793) | (28757) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (12075) |  |  |  |  |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | 210854 | 2675 | 11505 | 891661 | 264302 |
| Increase (decrease) in net assets | 216380 | 2777 | 15471 | 1028926 | 529507 |
| Net assets at beginning of year | 136266 | 22 | 93993 | 944431 | 2238621 |
| Net assets at end of year | $352646 | $2799 | $109464 | $1973357 | $2768128 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 110210 |  | 81871 | 741206 | 1544321 |
| Units purchased | 166828 | 2858 | 12634 | 693288 | 182215 |
| Units redeemed | (17272) | (449) | (2748) | (54855) | (18286) |
| Units outstanding at end of year | 259766 | 2409 | 91757 | 1379639 | 1708250 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**149 ■ RiverSource of New York Account 8**

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **VP Man Vol** <br> **Mod Gro,** <br>**Cl 1**<br>| **VP Man Vol** <br> **Mod Gro,** <br>**Cl 2**<br>| **VP Mod Aggr,** <br>**Cl 1**<br>| **VP Mod Aggr,** <br>**Cl 2**<br>| **VP Mod Aggr,** <br>**Cl 4**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $— | $(6646) | $— | $(156713) | $(277118) |
| Net realized gain (loss) on sales of investments | 4991 | 40890 | 101793 | 1342126 | 3267068 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 37995 | 137028 | 987256 | 3094212 | 2749076 |
| Net increase (decrease) in net assets resulting from operations | 42986 | 171272 | 1089049 | 4279625 | 5739026 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 167427 | 60704 | 3344102 | 2051390 | 1789217 |
| Net transfers<sup>(1)</sup> <br>| 708764 | 13312 | 845516 | (712609) | (1108784) |
| Transfers for policy loans |  | (11087) | (57376) | (175947) | (234641) |
| Policy charges | (61789) | (76460) | (666797) | (984188) | (1334761) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits |  | (16327) | (27717) | (1494476) | (2522626) |
| Death benefits |  |  |  | (5000) | (279732) |
| Increase (decrease) from transactions | 814402 | (29858) | 3437728 | (1320830) | (3691327) |
| Increase (decrease) in net assets | 857388 | 141414 | 4526777 | 2958795 | 2047699 |
| Net assets at beginning of year | 295544 | 1861237 | 8376897 | 40433107 | 55836994 |
| Net assets at end of year | $1152932 | $2002651 | $12903674 | $43391902 | $57884693 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 242899 | 1364215 | 6213525 | 19352394 | 26105690 |
| Units purchased | 668270 | 106179 | 2905175 | 1289899 | 2251974 |
| Units redeemed | (47523) | (124924) | (517751) | (1749024) | (3449841) |
| Units outstanding at end of year | 863646 | 1345470 | 8600949 | 18893269 | 24907823 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 150

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**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **VP Mod** <br> **Conserv,** <br>**Cl 1**<br>| **VP Mod** <br> **Conserv,** <br>**Cl 2**<br>| **VP Mod** <br> **Conserv,** <br>**Cl 4**<br>| **VP Mod,** <br>**Cl 1**<br>| **VP Mod,** <br>**Cl 2**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $— | $(10535) | $(13326) | $— | $(127094) |
| Net realized gain (loss) on sales of investments | 1003 | 43144 | 117332 | 27939 | 1332680 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 21582 | 96100 | 61729 | 331833 | 897910 |
| Net increase (decrease) in net assets resulting from operations | 22585 | 128709 | 165735 | 359772 | 2103496 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments |  | 136768 | 143394 | 893822 | 1116788 |
| Net transfers<sup>(1)</sup> <br>| 1886 | (110929) | (259856) | 533357 | (526995) |
| Transfers for policy loans |  | (8818) | (1815) | (44117) | (82103) |
| Policy charges | (9309) | (118297) | (146349) | (238379) | (1000140) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits |  | (47534) | (105306) | (17633) | (934424) |
| Death benefits |  |  | (9163) |  | (35617) |
| Increase (decrease) from transactions | (7423) | (148810) | (379095) | 1127050 | (1462491) |
| Increase (decrease) in net assets | 15162 | (20101) | (213360) | 1486822 | 641005 |
| Net assets at beginning of year | 338632 | 2193073 | 2850754 | 3786147 | 26124048 |
| Net assets at end of year | $353794 | $2172972 | $2637394 | $5272969 | $26765053 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 284415 | 1309385 | 1779981 | 2961486 | 13942606 |
| Units purchased | 1519 | 95801 | 87511 | 1041999 | 1712704 |
| Units redeemed | (7499) | (178102) | (301841) | (219529) | (2059274) |
| Units outstanding at end of year | 278435 | 1227084 | 1565651 | 3783956 | 13596036 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**151 ■ RiverSource of New York Account 8**

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **VP Mod,** <br>**Cl 4**<br>| **VP Ptnrs Core** <br> **Bond,** <br>**Cl 1**<br>| **VP Ptnrs Core** <br> **Bond,** <br>**Cl 2**<br>| **VP Ptnrs Core** <br> **Eq,** <br>**Cl 1**<br>| **VP Ptnrs Core** <br> **Eq,** <br>**Cl 2**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $(171723) | $938 | $432 | $— | $— |
| Net realized gain (loss) on sales of investments | 2301975 | (31) | (54) | 23 | 38 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 569315 | (360) | (114) | 564 | 7523 |
| Net increase (decrease) in net assets resulting from operations | 2699567 | 547 | 264 | 587 | 7561 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 1200694 | 2602 | 926 | 3902 | 51 |
| Net transfers<sup>(1)</sup> <br>| (665125) | 1719 | (924) | 41 | 1125 |
| Transfers for policy loans | (917241) |  | (14) |  |  |
| Policy charges | (1410006) | (1526) | (1184) | (658) | (177) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (867166) |  |  | (56) |  |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (2658844) | 2795 | (1196) | 3229 | 999 |
| Increase (decrease) in net assets | 40723 | 3342 | (932) | 3816 | 8560 |
| Net assets at beginning of year | 33732420 | 24343 | 13393 | 1590 | 31536 |
| Net assets at end of year | $33773143 | $27685 | $12461 | $5406 | $40096 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 17953937 | 23002 | 11646 | 878 | 9436 |
| Units purchased | 2380280 | 4009 | 819 | 1932 | 355 |
| Units redeemed | (3289049) | (1428) | (1844) | (322) | (45) |
| Units outstanding at end of year | 17045168 | 25583 | 10621 | 2488 | 9746 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 152

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **VP Ptnrs Core** <br> **Eq,** <br>**Cl 3**<br>| **VP Ptnrs Intl** <br> **Core Eq,** <br>**Cl 1**<br>| **VP Ptnrs Intl** <br> **Core Eq,** <br>**Cl 2**<br>| **VP Ptnrs Intl** <br> **Gro,** <br>**Cl 1**<br>| **VP Ptnrs Intl** <br> **Gro,** <br>**Cl 2**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $(2469) | $1047 | $637 | $1086 | $953 |
| Net realized gain (loss) on sales of investments | 30124 | (20) | 98 | 2260 | 576 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 66722 | (1572) | 2478 | (4747) | (3561) |
| Net increase (decrease) in net assets resulting from operations | 94377 | (545) | 3213 | (1401) | (2032) |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 10709 | 64320 | 2028 | 17332 | 15715 |
| Net transfers<sup>(1)</sup> <br>| (22949) | 138795 | 456 | (13805) | (16589) |
| Transfers for policy loans | (2733) |  | (27) |  | 867 |
| Policy charges | (6098) | (10187) | (1768) | (6203) | (6509) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits | (8613) |  |  |  | (1826) |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (29684) | 192928 | 689 | (2676) | (8342) |
| Increase (decrease) in net assets | 64693 | 192383 | 3902 | (4077) | (10374) |
| Net assets at beginning of year | 423476 | 63609 | 55681 | 150089 | 198015 |
| Net assets at end of year | $488169 | $255992 | $59583 | $146012 | $187641 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 94932 | 48983 | 34402 | 114769 | 118610 |
| Units purchased | 5412 | 144585 | 1518 | 12721 | 9542 |
| Units redeemed | (9051) | (7350) | (1054) | (14513) | (14149) |
| Units outstanding at end of year | 91293 | 186218 | 34866 | 112977 | 114003 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**153 ■ RiverSource of New York Account 8**

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **VP Ptnrs Intl** <br> **Val,** <br>**Cl 1**<br>| **VP Ptnrs Intl** <br> **Val,** <br>**Cl 2**<br>| **VP Ptnrs Sm** <br> **Cap Gro,** <br>**Cl 1**<br>| **VP Ptnrs Sm** <br> **Cap Gro,** <br>**Cl 2**<br>| **VP Ptnrs Sm** <br> **Cap Val,** <br>**Cl 1**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $1223 | $1805 | $— | $— | $— |
| Net realized gain (loss) on sales of investments | 689 | 457 | 1188 | 106 | 544 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | (194) | 751 | 9153 | 6460 | 279 |
| Net increase (decrease) in net assets resulting from operations | 1718 | 3013 | 10341 | 6566 | 823 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 16797 | 3187 | 11452 | 2747 | 1526 |
| Net transfers<sup>(1)</sup> <br>| (4204) | (2285) | (12983) | 4740 | 116 |
| Transfers for policy loans |  | (437) |  |  | (5739) |
| Policy charges | (3228) | (1713) | (1840) | (455) | (353) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits |  | (1541) | (198) |  |  |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | 9365 | (2789) | (3569) | 7032 | (4450) |
| Increase (decrease) in net assets | 11083 | 224 | 6772 | 13598 | (3627) |
| Net assets at beginning of year | 38952 | 67130 | 57582 | 28644 | 10867 |
| Net assets at end of year | $50035 | $67354 | $64354 | $42242 | $7240 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 33316 | 44933 | 49036 | 13521 | 8536 |
| Units purchased | 13553 | 2020 | 8846 | 3474 | 1212 |
| Units redeemed | (5965) | (3730) | (11846) | (197) | (4481) |
| Units outstanding at end of year | 40904 | 43223 | 46036 | 16798 | 5267 |

---

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 154

------

**Statement of Changes in Net Assets**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **VP Ptnrs Sm** <br> **Cap Val,** <br>**Cl 2**<br>| **VP Ptnrs Sm** <br> **Cap Val,** <br>**Cl 3**<br>| **VP US Flex** <br> **Conserv Gro,** <br>**Cl 1**<br>| **VP US Flex** <br> **Gro,** <br>**Cl 1**<br>| **VP US Flex** <br> **Mod Gro,** <br>**Cl 1**<br>|
| **Operations** |  |  |  |  |  |
| Investment income (loss) — net | $— | $(3064) | $— | $— | $— |
| Net realized gain (loss) on sales of investments | 119 | 69568 | 17 | 1006 | 121 |
| Distributions from capital gains |  |  |  |  |  |
| Net change in unrealized appreciation (depreciation) of investments | 341 | (19103) | 585 | 26855 | (47) |
| Net increase (decrease) in net assets resulting from operations | 460 | 47401 | 602 | 27861 | 74 |
| **Contract transactions** |  |  |  |  |  |
| Contract purchase payments | 616 | 21243 | 1933 | 80104 | 4464 |
| Net transfers<sup>(1)</sup> <br>| (463) | (4596) |  | 3458 | 104342 |
| Transfers for policy loans |  | (27086) |  |  |  |
| Policy charges | (254) | (16038) | (226) | (17894) | (1441) |
| Contract terminations: |  |  |  |  |  |
| Surrender benefits |  | (32861) | (24) |  |  |
| Death benefits |  |  |  |  |  |
| Increase (decrease) from transactions | (101) | (59338) | 1683 | 65668 | 107365 |
| Increase (decrease) in net assets | 359 | (11937) | 2285 | 93529 | 107439 |
| Net assets at beginning of year | 6172 | 659426 | 5846 | 139815 | 10130 |
| Net assets at end of year | $6531 | $647489 | $8131 | $233344 | $117569 |
| **Accumulation unit activity** |  |  |  |  |  |
| Units outstanding at beginning of year | 2803 | 192138 | 4970 | 107386 | 8173 |
| Units purchased | 271 | 102134 | 1539 | 57647 | 76518 |
| Units redeemed | (319) | (62228) | (181) | (12407) | (1071) |
| Units outstanding at end of year | 2755 | 232044 | 6328 | 152626 | 83620 |

---

See accompanying notes to financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**155 ■ RiverSource of New York Account 8**

------

**Statement of Changes in Net Assets**

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

---

| | | |
|:---|:---|:---|
| **Year ended December 31, 2024 (continued)** | **WA Var Global** <br> **Hi Yd Bond,** <br>**Cl I**<br>| **WA Var Global** <br> **Hi Yd Bond,** <br>**Cl II**<br>|
| **Operations** |  |  |
| Investment income (loss) — net | $1510 | $468 |
| Net realized gain (loss) on sales of investments | (57) | (334) |
| Distributions from capital gains |  |  |
| Net change in unrealized appreciation (depreciation) of investments | (117) | 386 |
| Net increase (decrease) in net assets resulting from operations | 1336 | 520 |
| **Contract transactions** |  |  |
| Contract purchase payments | 6645 | 813 |
| Net transfers<sup>(1)</sup> <br>| 786 | (1966) |
| Transfers for policy loans |  |  |
| Policy charges | (1526) | (746) |
| Contract terminations: |  |  |
| Surrender benefits |  |  |
| Death benefits |  |  |
| Increase (decrease) from transactions | 5905 | (1899) |
| Increase (decrease) in net assets | 7241 | (1379) |
| Net assets at beginning of year | 17530 | 9308 |
| Net assets at end of year | $24771 | $7929 |
| **Accumulation unit activity** |  |  |
| Units outstanding at beginning of year | 15685 | 7000 |
| Units purchased | 6346 | 595 |
| Units redeemed | (1329) | (2006) |
| Units outstanding at end of year | 20702 | 5589 |

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

<sup>(1)</sup> Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life of NY's fixed account.

<sup>(2)</sup> For the period January 16, 2024 (commencement of operations) to December 31, 2024.

<sup>(3)</sup> See Note 9 in the Notes to Financial Statements.

<sup>(4)</sup> For the period April 26, 2024 (commencement of operations) to December 31, 2024.

See accompanying notes to financial statements.

**RiverSource of New York Account 8** ■ 156

------

**Notes to Financial Statements**

**1.** **ORGANIZATION**

RiverSource of New York Account 8 (the Account) was established under New York law as a segregated asset account of RiverSource Life Insurance Co. of New York (RiverSource Life of NY). The Account is registered as a unit investment trust under the Investment Company Act of 1940, as amended (the 1940 Act) and exists in accordance with the rules and regulations of the New York State Department of Financial Services.

The Account is used as a funding vehicle for individual variable life insurance policies issued by RiverSource Life of NY. The following is a list of each variable life insurance product funded through the Account.

---

| |
|:---|
| RiverSource Succession Select<sup>®</sup> Variable Life Insurance (Succession Select)\* <br>|
| RiverSource<sup>®</sup> Variable Second-To-Die Life Insurance (V2D)\* <br>|
| RiverSource<sup>®</sup> Variable Universal Life Insurance (VUL)\* <br>|
| RiverSource<sup>®</sup> Variable Universal Life Insurance III (VUL III)\* <br>|
| RiverSource<sup>®</sup> Variable Universal Life IV (VUL IV)\* <br>|
| RiverSource<sup>®</sup> Variable Universal Life IV – Estate Series (VUL IV – ES)\* <br>|
| RiverSource<sup>®</sup> Variable Universal Life 5 (VUL 5)\* |
| RiverSource<sup>®</sup> Variable Universal Life 5 – Estate Series (VUL 5 – ES)\* <br>|
| RiverSource<sup>®</sup> Variable Universal Life 6 Insurance (VUL 6) |
| RiverSource<sup>®</sup> Survivorship Variable Universal Life Insurance (SVUL) |

---

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

\* New contracts are no longer being issued for this product. As a result, an annual contract prospectus and statement of additional information are no longer <br> distributed. An annual report for this product is distributed to all current contract holders.<br>

The Account is comprised of various divisions. Each division invests exclusively in shares of the following funds or portfolios (collectively, the Funds), which are registered under the 1940 Act as open-end management investment companies. The name of each Fund and the corresponding division name are provided below. Each division is comprised of subaccounts. Individual variable life insurance policies invest in subaccounts. For each division, the financial statements are comprised of a statement of assets and liabilities as of December 31, 2025, a related statement of operations for the year then ended and statements of changes in net assets for each of the two years in the period then ended, all presented to reflect a full twelve month period except as noted below.

---

| | |
|:---|:---|
| **Division** | **Fund** |
| AB VPS Dyn Asset Alloc, Cl B | AB VPS Dynamic Asset Allocation Portfolio (Class B) |
| AB VPS Intl Val, Cl B | AB VPS International Value Portfolio (Class B) |
| AB VPS Lg Cap Gro, Cl A | AB VPS Large Cap Growth Portfolio (Class A) |
| AB VPS Lg Cap Gro, Cl B | AB VPS Large Cap Growth Portfolio (Class B) |
| AB VPS Relative Val, Cl B | AB VPS Relative Value Portfolio (Class B) |
| Allspg VT Index Asset Alloc, Cl 2 | Allspring VT Index Asset Allocation Fund – Class 2 |
| Allspg VT Opp, Cl 1 | Allspring VT Opportunity Fund – Class 1 |
| Allspg VT Opp, Cl 2 | Allspring VT Opportunity Fund – Class 2 |
| Allspg VT Sm Cap Gro, Cl 1 | Allspring VT Small Cap Growth Fund – Class 1 |
| Allspg VT Sm Cap Gro, Cl 2 | Allspring VT Small Cap Growth Fund – Class 2 |
| ALPS Alerian Engy Infr, Class I | ALPS/Alerian Energy Infrastructure Portfolio: Class I |
| ALPS Alerian Engy Infr, Class III | ALPS/Alerian Energy Infrastructure Portfolio: Class III |
| BlackRock Global Alloc, Cl I | BlackRock Global Allocation V.I. Fund (Class I) |
| BlackRock Global Alloc, Cl III | BlackRock Global Allocation V.I. Fund (Class III) |
| Calvert VP SRI Bal, Cl I | Calvert VP SRI Balanced Portfolio – Class I |
| Col VP Acorn | &nbsp;&nbsp;&nbsp; Columbia Variable Portfolio – Acorn Fund <br>(previously Wanger Acorn)<br>|
| Col VP Acorn Intl | &nbsp;&nbsp;&nbsp; Columbia Variable Portfolio – Acorn International Fund <br>(previously Wanger International)<br>|
| Col VP Bal, Cl 1 | Columbia Variable Portfolio – Balanced Fund (Class 1) |
| Col VP Bal, Cl 3 | Columbia Variable Portfolio – Balanced Fund (Class 3) |
| Col VP Commodity Strategy, Cl 1 | Columbia Variable Portfolio – Commodity Strategy Fund (Class 1) |
| Col VP Commodity Strategy, Cl 2 | Columbia Variable Portfolio – Commodity Strategy Fund (Class 2) |
| Col VP Contrarian Core, Cl 1 | Columbia Variable Portfolio – Contrarian Core Fund (Class 1) |
| Col VP Contrarian Core, Cl 2 | Columbia Variable Portfolio – Contrarian Core Fund (Class 2) |
| Col VP Corporate Bond, Cl 1 | &nbsp;&nbsp;&nbsp; Columbia Variable Portfolio – Corporate Bond Fund (Class 1)<sup>(1)</sup> <br>(previously Columbia Variable Portfolio – Global Strategic Income Fund (Class 1), renamed to Columbia Variable Portfolio – <br> Select Corporate Income Fund (Class 1) sometime during the second quarter of 2026)<br>|

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**157 ■ RiverSource of New York Account 8**

------

---

| | |
|:---|:---|
| **Division** | **Fund** |
| Col VP Corporate Bond, Cl 2 | &nbsp;&nbsp;&nbsp; Columbia Variable Portfolio – Corporate Bond Fund (Class 2) <br>(previously Columbia Variable Portfolio – Global Strategic Income Fund (Class 2), renamed to Columbia Variable Portfolio – <br> Select Corporate Income Fund (Class 2) sometime during the second quarter of 2026)<br>|
| Col VP Corporate Bond, Cl 3 | &nbsp;&nbsp;&nbsp; Columbia Variable Portfolio – Corporate Bond Fund (Class 3) <br>(previously Columbia Variable Portfolio – Global Strategic Income Fund (Class 3), renamed to Columbia Variable Portfolio – <br> Select Corporate Income Fund (Class 3) sometime during the second quarter of 2026)<br>|
| Col VP Disciplined Core, Cl 1 | Columbia Variable Portfolio – Disciplined Core Fund (Class 1) |
| Col VP Disciplined Core, Cl 2 | Columbia Variable Portfolio – Disciplined Core Fund (Class 2) |
| Col VP Disciplined Core, Cl 3 | Columbia Variable Portfolio – Disciplined Core Fund (Class 3) |
| Col VP Divd Opp, Cl 1 | Columbia Variable Portfolio – Dividend Opportunity Fund (Class 1) |
| Col VP Divd Opp, Cl 2 | Columbia Variable Portfolio – Dividend Opportunity Fund (Class 2) |
| Col VP Divd Opp, Cl 3 | Columbia Variable Portfolio – Dividend Opportunity Fund (Class 3) |
| Col VP Emer Mkts, Cl 1 | Columbia Variable Portfolio – Emerging Markets Fund (Class 1) |
| Col VP Emer Mkts, Cl 2 | Columbia Variable Portfolio – Emerging Markets Fund (Class 2) |
| Col VP Emer Mkts, Cl 3 | Columbia Variable Portfolio – Emerging Markets Fund (Class 3) |
| Col VP Emerg Mkts Bond, Cl 1 | Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 1) |
| Col VP Emerg Mkts Bond, Cl 2 | Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2) |
| Col VP Govt Money Mkt, Cl 1 | Columbia Variable Portfolio – Government Money Market Fund (Class 1) |
| Col VP Govt Money Mkt, Cl 2 | Columbia Variable Portfolio – Government Money Market Fund (Class 2) |
| Col VP Govt Money Mkt, Cl 3 | Columbia Variable Portfolio – Government Money Market Fund (Class 3) |
| Col VP Hi Yield Bond, Cl 1 | Columbia Variable Portfolio – High Yield Bond Fund (Class 1) |
| Col VP Hi Yield Bond, Cl 2 | Columbia Variable Portfolio – High Yield Bond Fund (Class 2) |
| Col VP Hi Yield Bond, Cl 3 | Columbia Variable Portfolio – High Yield Bond Fund (Class 3) |
| Col VP Inc Opp, Cl 1 | Columbia Variable Portfolio – Income Opportunities Fund (Class 1) |
| Col VP Inc Opp, Cl 2 | Columbia Variable Portfolio – Income Opportunities Fund (Class 2) |
| Col VP Inc Opp, Cl 3 | Columbia Variable Portfolio – Income Opportunities Fund (Class 3) |
| Col VP Inter Bond, Cl 1 | Columbia Variable Portfolio – Intermediate Bond Fund (Class 1) |
| Col VP Inter Bond, Cl 2 | Columbia Variable Portfolio – Intermediate Bond Fund (Class 2) |
| Col VP Inter Bond, Cl 3 | Columbia Variable Portfolio – Intermediate Bond Fund (Class 3) |
| Col VP Lg Cap Gro, Cl 1 | &nbsp;&nbsp;&nbsp; Columbia Variable Portfolio – Large Cap Growth Fund (Class 1) <br>(renamed to Columbia Variable Portfolio – Cornerstone Growth Fund (Class 1) sometime during the second quarter of 2026)<br>|
| Col VP Lg Cap Gro, Cl 2 | &nbsp;&nbsp;&nbsp; Columbia Variable Portfolio – Large Cap Growth Fund (Class 2) <br>(renamed to Columbia Variable Portfolio – Cornerstone Growth Fund (Class 2) sometime during the second quarter of 2026)<br>|
| Col VP Lg Cap Gro, Cl 3 | &nbsp;&nbsp;&nbsp; Columbia Variable Portfolio – Large Cap Growth Fund (Class 3) <br>(renamed to Columbia Variable Portfolio – Cornerstone Growth Fund (Class 3) sometime during the second quarter of 2026)<br>|
| Col VP Lg Cap Index, Cl 1 | Columbia Variable Portfolio – Large Cap Index Fund (Class 1) |
| Col VP Lg Cap Index, Cl 3 | Columbia Variable Portfolio – Large Cap Index Fund (Class 3) |
| Col VP Limited Duration Cr, Cl 1 | &nbsp;&nbsp;&nbsp; Columbia Variable Portfolio – Limited Duration Credit Fund (Class 1) <br>(renamed to Columbia Variable Portfolio – Select Short Corporate Income (Class 1) sometime during the second quarter of 2026)<br>|
| Col VP Limited Duration Cr, Cl 2 | &nbsp;&nbsp;&nbsp; Columbia Variable Portfolio – Limited Duration Credit Fund (Class 2) <br>(renamed to Columbia Variable Portfolio – Select Short Corporate Income (Class 2) sometime during the second quarter of 2026)<br>|
| Col VP Long Govt/Cr Bond, Cl 1 | Columbia Variable Portfolio – Long Government/Credit Bond Fund (Class 1) |
| Col VP Long Govt/Cr Bond, Cl 2 | Columbia Variable Portfolio – Long Government/Credit Bond Fund (Class 2) |
| Col VP Overseas Core, Cl 1 | Columbia Variable Portfolio – Overseas Core Fund (Class 1) |
| Col VP Overseas Core, Cl 2 | Columbia Variable Portfolio – Overseas Core Fund (Class 2) |
| Col VP Overseas Core, Cl 3 | Columbia Variable Portfolio – Overseas Core Fund (Class 3) |
| Col VP Sel Gbl Tech, Cl 1 | Columbia Variable Portfolio – Seligman Global Technology Fund (Class 1) |
| Col VP Sel Gbl Tech, Cl 2 | Columbia Variable Portfolio – Seligman Global Technology Fund (Class 2) |
| Col VP Select Lg Cap Val, Cl 1 | Columbia Variable Portfolio – Select Large Cap Value Fund (Class 1) |
| Col VP Select Lg Cap Val, Cl 2 | Columbia Variable Portfolio – Select Large Cap Value Fund (Class 2) |
| Col VP Select Lg Cap Val, Cl 3 | Columbia Variable Portfolio – Select Large Cap Value Fund (Class 3) |
| Col VP Select Mid Cap Gro, Cl 1 | Columbia Variable Portfolio – Select Mid Cap Growth Fund (Class 1) |
| Col VP Select Mid Cap Gro, Cl 2 | Columbia Variable Portfolio – Select Mid Cap Growth Fund (Class 2) |
| Col VP Select Mid Cap Gro, Cl 3 | Columbia Variable Portfolio – Select Mid Cap Growth Fund (Class 3) |
| Col VP Select Mid Cap Val, Cl 1 | Columbia Variable Portfolio – Select Mid Cap Value Fund (Class 1) |
| Col VP Select Mid Cap Val, Cl 2 | Columbia Variable Portfolio – Select Mid Cap Value Fund (Class 2) |
| Col VP Select Mid Cap Val, Cl 3 | Columbia Variable Portfolio – Select Mid Cap Value Fund (Class 3) |
| Col VP Select Sm Cap Val, Cl 1 | Columbia Variable Portfolio – Select Small Cap Value Fund (Class 1) |
| Col VP Select Sm Cap Val, Cl 2 | Columbia Variable Portfolio – Select Small Cap Value Fund (Class 2) |
| Col VP Select Sm Cap Val, Cl 3 | Columbia Variable Portfolio – Select Small Cap Value Fund (Class 3) |
| Col VP Strategic Inc, Cl 1 | Columbia Variable Portfolio – Strategic Income Fund (Class 1) |
| Col VP Strategic Inc, Cl 2 | Columbia Variable Portfolio – Strategic Income Fund (Class 2) |

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**RiverSource of New York Account 8** ■ 158

------

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| | |
|:---|:---|
| **Division** | **Fund** |
| Col VP US Govt Mtge, Cl 1 | Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 1) |
| Col VP US Govt Mtge, Cl 2 | Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 2) |
| Col VP US Govt Mtge, Cl 3 | Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 3) |
| CS Commodity Return, Cl 1 | &nbsp;&nbsp;&nbsp; Credit Suisse Trust – Commodity Return Strategy Portfolio, Class 1 <br>(renamed Cantor Fitzgerald Commodity Return Strategy Portfolio, Class 1 sometime during the second quarter of 2026)<br>|
| CTIVP AC Div Bond, Cl 1 | &nbsp;&nbsp;&nbsp; CTIVP<sup>®</sup> – American Century Diversified Bond Fund (Class 1) <br>(renamed CTIVP<sup>®</sup> – Fidelity Institutional AM<sup>®</sup> Total Bond Fund (Class 1) sometime during the second quarter of 2026)<br>|
| CTIVP AC Div Bond, Cl 2 | &nbsp;&nbsp;&nbsp; CTIVP<sup>®</sup> – American Century Diversified Bond Fund (Class 2) <br>(renamed CTIVP<sup>®</sup> – Fidelity Institutional AM<sup>®</sup> Total Bond Fund (Class 2) sometime during the second quarter of 2026)<br>|
| CTIVP BR Gl Infl Prot Sec, Cl 1 | &nbsp;&nbsp;&nbsp; CTIVP<sup>®</sup> – BlackRock Global Inflation-Protected Securities Fund (Class 1) <br>(renamed CTIVP<sup>®</sup> – BlackRock Global Inflation-Linked Securities Fund (Class 1) sometime during the second quarter of 2026)<br>|
| CTIVP BR Gl Infl Prot Sec, Cl 2 | &nbsp;&nbsp;&nbsp; CTIVP<sup>®</sup> – BlackRock Global Inflation-Protected Securities Fund (Class 2) <br>(renamed CTIVP<sup>®</sup> – BlackRock Global Inflation-Linked Securities Fund (Class 2) sometime during the second quarter of 2026)<br>|
| CTIVP BR Gl Infl Prot Sec, Cl 3 | &nbsp;&nbsp;&nbsp; CTIVP<sup>®</sup> – BlackRock Global Inflation-Protected Securities Fund (Class 3) <br>(renamed CTIVP<sup>®</sup> – BlackRock Global Inflation-Linked Securities Fund (Class 3) sometime during the second quarter of 2026)<br>|
| CTIVP CenterSquare Real Est, Cl 1 | CTIVP<sup>®</sup> – CenterSquare Real Estate Fund (Class 1) |
| CTIVP CenterSquare Real Est, Cl 2 | CTIVP<sup>®</sup> – CenterSquare Real Estate Fund (Class 2) |
| CTIVP Prin Lg Cap Gro, Cl 1 | &nbsp;&nbsp;&nbsp; CTIVP<sup>®</sup> – Principal Large Cap Growth Fund (Class 1 <br>(previously CTIVP<sup>®</sup> – Principal Blue Chip Growth Fund (Class 1))<br>|
| CTIVP Prin Lg Cap Gro, Cl 2 | &nbsp;&nbsp;&nbsp; CTIVP<sup>®</sup> – Principal Large Cap Growth Fund (Class 2) <br>(previously CTIVP<sup>®</sup> – Principal Blue Chip Growth Fund (Class 2))<br>|
| CTIVP T Rowe Price LgCap Val, Cl 1 | CTIVP<sup>®</sup> – T. Rowe Price Large Cap Value Fund (Class 1) |
| CTIVP T Rowe Price LgCap Val, Cl 2 | CTIVP<sup>®</sup> – T. Rowe Price Large Cap Value Fund (Class 2) |
| CTIVP TCW Core Plus Bond, Cl 1 | &nbsp;&nbsp;&nbsp; CTIVP<sup>®</sup> – TCW Core Plus Bond Fund (Class 1) <br>(renamed CTIVP<sup>®</sup> – TCW Total Return Bond Fund (Class 1) sometime during the second quarter of 2026)<br>|
| CTIVP TCW Core Plus Bond, Cl 2 | &nbsp;&nbsp;&nbsp; CTIVP<sup>®</sup> – TCW Core Plus Bond Fund (Class 2) <br>(renamed CTIVP<sup>®</sup> – TCW Total Return Bond Fund (Class 2) sometime during the second quarter of 2026)<br>|
| CTIVP Vty Sycamore Estb Val, Cl 1 | CTIVP<sup>®</sup> – Victory Sycamore Established Value Fund (Class 1) |
| CTIVP Vty Sycamore Estb Val, Cl 2 | CTIVP<sup>®</sup> – Victory Sycamore Established Value Fund (Class 2) |
| CTIVP Vty Sycamore Estb Val, Cl 3 | CTIVP<sup>®</sup> – Victory Sycamore Established Value Fund (Class 3) |
| CTIVP Wellington Lg Cap Val, Cl 1 | &nbsp;&nbsp;&nbsp; CTIVP<sup>®</sup> – Wellington Large Cap Value Fund (Class 1) <br>(previously CTIVP<sup>®</sup> – MFS<sup>®</sup> Value Fund (Class 1))<br>|
| CTIVP Wellington Lg Cap Val, Cl 2 | &nbsp;&nbsp;&nbsp; CTIVP<sup>®</sup> – Wellington Large Cap Value Fund (Class 2) <br>(previously CTIVP<sup>®</sup> – MFS<sup>®</sup> Value Fund (Class 2))<br>|
| CTIVP Westfield Mid Cap Gro, Cl 1 | CTIVP<sup>®</sup> – Westfield Mid Cap Growth Fund (Class 1) |
| CTIVP Westfield Mid Cap Gro, Cl 2 | CTIVP<sup>®</sup> – Westfield Mid Cap Growth Fund (Class 2) |
| CTIVP Westfield Sel Lg Cp Gr, Cl 1 | CTIVP<sup>®</sup> – Westfield Select Large Cap Growth Fund (Class 1) |
| CTIVP Westfield Sel Lg Cp Gr, Cl 2 | CTIVP<sup>®</sup> – Westfield Select Large Cap Growth Fund (Class 2) |
| CVT EAFE Intl Index, Cl F | CVT EAFE International Index Portfolio – Class F |
| CVT EAFE Intl Index, Cl I | CVT EAFE International Index Portfolio – Class I |
| CVT Nasdaq 100 Index, Cl F | CVT Nasdaq 100 Index Portfolio – Class F |
| CVT Nasdaq 100 Index, Cl I | CVT Nasdaq 100 Index Portfolio – Class I |
| CVT Russ 2000 Sm Cap Ind, Cl F | CVT Russell 2000<sup>®</sup> Small Cap Index Portfolio – Class F |
| CVT Russ 2000 Sm Cap Ind, Cl I | CVT Russell 2000<sup>®</sup> Small Cap Index Portfolio – Class I |
| DWS Alt Asset Alloc VIP, Cl A | DWS Alternative Asset Allocation VIP, Class A |
| DWS Alt Asset Alloc VIP, Cl B | DWS Alternative Asset Allocation VIP, Class B |
| EV VT Floating-Rate Inc, Init Cl | Eaton Vance VT Floating-Rate Income Fund – Initial Class |
| EV VT Floating-Rate Inc, Inst Cl | Eaton Vance VT Floating-Rate Income Fund – Institutional Class<sup>(1)</sup><sup>(2)</sup> <br>|
| Fid VIP Contrafund, Init Cl | Fidelity<sup>®</sup> VIP Contrafund<sup>SM</sup> Portfolio Initial Class |
| Fid VIP Contrafund, Serv Cl 2 | Fidelity<sup>®</sup> VIP Contrafund<sup>SM</sup> Portfolio Service Class 2 |
| Fid VIP Emer Mkts, Init Cl | Fidelity<sup>®</sup> VIP Emerging Markets Portfolio Initial Class<sup>(1)</sup> <br>|
| Fid VIP Energy, Init Cl | Fidelity<sup>®</sup> VIP Energy Portfolio Initial Class<sup>(1)</sup> <br>|
| Fid VIP Gro & Inc, Serv Cl | Fidelity<sup>®</sup> VIP Growth & Income Portfolio Service Class |
| Fid VIP Gro & Inc, Serv Cl 2 | Fidelity<sup>®</sup> VIP Growth & Income Portfolio Service Class 2 |
| Fid VIP Gro Opp, Init Cl | Fidelity<sup>®</sup> VIP Growth Opportunities Portfolio Initial Class<sup>(1)</sup> <br>|
| Fid VIP Invest Gr, Init Cl | Fidelity<sup>®</sup> VIP Investment Grade Bond Portfolio Initial Class<sup>(1)</sup> <br>|
| Fid VIP Mid Cap, Init Cl | Fidelity<sup>®</sup> VIP Mid Cap Portfolio Initial Class |
| Fid VIP Mid Cap, Serv Cl | Fidelity<sup>®</sup> VIP Mid Cap Portfolio Service Class |
| Fid VIP Mid Cap, Serv Cl 2 | Fidelity<sup>®</sup> VIP Mid Cap Portfolio Service Class 2 |
| Fid VIP Overseas, Serv Cl | Fidelity<sup>®</sup> VIP Overseas Portfolio Service Class |
| Fid VIP Overseas, Serv Cl 2 | Fidelity<sup>®</sup> VIP Overseas Portfolio Service Class 2 |
| Fid VIP Strategic Inc, Init Cl | Fidelity<sup>®</sup> VIP Strategic Income Portfolio Initial Class |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**159 ■ RiverSource of New York Account 8**

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---

| | |
|:---|:---|
| **Division** | **Fund** |
| Fid VIP Strategic Inc, Serv Cl 2 | Fidelity<sup>®</sup> VIP Strategic Income Portfolio Service Class 2 |
| Frank Global Real Est, Cl 2 | Franklin Global Real Estate VIP Fund – Class 2 |
| Frank Inc, Cl 1 | Franklin Income VIP Fund – Class 1 |
| Frank Inc, Cl 2 | Franklin Income VIP Fund – Class 2 |
| Frank Mutual Shares, Cl 1 | Franklin Mutual Shares VIP Fund – Class 1 |
| Frank Mutual Shares, Cl 2 | Franklin Mutual Shares VIP Fund – Class 2 |
| Frank Sm Cap Val, Cl 1 | Franklin Small Cap Value VIP Fund – Class 1 |
| Frank Sm Cap Val, Cl 2 | Franklin Small Cap Value VIP Fund – Class 2 |
| GS VIT Mid Cap Val, Inst | Goldman Sachs VIT Mid Cap Value Fund – Institutional Shares |
| GS VIT Sm Cap Eq Insights, Inst | Goldman Sachs VIT Small Cap Equity Insights Fund – Institutional Shares |
| GS VIT U.S. Eq Insights, Inst | Goldman Sachs VIT U.S. Equity Insights Fund – Institutional Shares |
| Invesco VI Am Fran, Ser I | Invesco V.I. American Franchise Fund, Series I Shares |
| Invesco VI Am Fran, Ser II | Invesco V.I. American Franchise Fund, Series II Shares |
| Invesco VI Bal Risk Alloc, Ser I | Invesco V.I. Balanced-Risk Allocation Fund, Series I Shares |
| Invesco VI Bal Risk Alloc, Ser II | Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares |
| Invesco VI Comstock, Ser II | Invesco V.I. Comstock Fund, Series II Shares |
| Invesco VI Core Eq, Ser I | Invesco V.I. Core Equity Fund, Series I Shares |
| Invesco VI Dis Mid Cap Gro, Ser I | Invesco V.I. Discovery Mid Cap Growth Fund, Series I Shares |
| Invesco VI Div Divd, Ser I | Invesco V.I. Diversified Dividend Fund, Series I Shares |
| Invesco VI EQV Intl Eq, Ser II | Invesco V.I. EQV International Equity Fund, Series II Shares |
| Invesco VI Gbl Strat Inc, Ser I | Invesco V.I. Global Strategic Income Fund, Series I Shares |
| Invesco VI Gbl Strat Inc, Ser II | Invesco V.I. Global Strategic Income Fund, Series II Shares |
| Invesco VI Global, Ser I | Invesco V.I. Global Fund, Series I Shares |
| Invesco VI Global, Ser II | Invesco V.I. Global Fund, Series II Shares |
| Invesco VI Mn St Sm Cap, Ser I | Invesco V.I. Main Street Small Cap Fund<sup>®</sup>, Series I Shares |
| Invesco VI Mn St Sm Cap, Ser II | Invesco V.I. Main Street Small Cap Fund<sup>®</sup>, Series II Shares |
| Invesco VI Tech, Ser I | Invesco V.I. Technology Fund, Series I Shares |
| Invesco VI Tech, Ser II | Invesco V.I. Technology Fund, Series II Shares |
| Janus Hend VIT Gbl Tech Innov, Srv | Janus Henderson VIT Global Technology and Innovation Portfolio: Service Shares |
| Janus Henderson VIT Bal, Inst | Janus Henderson VIT Balanced Portfolio: Institutional Shares |
| Janus Henderson VIT Bal, Serv | Janus Henderson VIT Balanced Portfolio: Service Shares |
| Janus Henderson VIT Enter, Serv | Janus Henderson VIT Enterprise Portfolio: Service Shares |
| Janus Henderson VIT Flex Bd, Inst | Janus Henderson VIT Flexible Bond Portfolio: Institutional Shares |
| Janus Henderson VIT Flex Bd, Serv | Janus Henderson VIT Flexible Bond Portfolio: Service Shares |
| Janus Henderson VIT Overseas, Serv | Janus Henderson VIT Overseas Portfolio: Service Shares |
| Janus Henderson VIT Res, Inst | Janus Henderson VIT Research Portfolio: Institutional Shares |
| Janus Henderson VIT Res, Serv | Janus Henderson VIT Research Portfolio: Service Shares |
| Lazard Ret Global Dyn MA, Inv | Lazard Retirement Global Dynamic Multi-Asset Portfolio – Investor Shares |
| Lazard Ret Global Dyn MA, Serv | Lazard Retirement Global Dynamic Multi-Asset Portfolio – Service Shares |
| Lord Abt Bond Debenture, Cl VC | Lord Abbett Series Fund Bond Debenture Portfolio – Class VC<sup>(1)</sup> <br>|
| LVIP AC Intl, Serv Cl | LVIP American Century International Fund, Service Class<sup>(3)</sup> <br>|
| LVIP AC Intl, Std Cl II | LVIP American Century International Fund, Standard Class II<sup>(4)</sup> <br>|
| LVIP AC Mid Cap Val, Std Cl II | LVIP American Century Mid Cap Value Fund, Standard Class II<sup>(1)</sup><sup>(5)</sup> <br>|
| LVIP AC Val, Serv Cl | LVIP American Century Value Fund, Service Class<sup>(6)</sup> <br>|
| LVIP AC Val, Std Cl II | LVIP American Century Value Fund, Standard Class II<sup>(7)</sup> <br>|
| MFS Gbl Real Est, Init Cl | MFS<sup>®</sup> Global Real Estate Portfolio – Initial Class<sup>(1)</sup> <br>|
| MFS Intl Gro, Init Cl | MFS<sup>®</sup> International Growth Portfolio – Initial Class<sup>(1)</sup> <br>|
| MFS Mass Inv Gro Stock, Serv Cl | MFS<sup>®</sup> Massachusetts Investors Growth Stock Portfolio – Service Class |
| MFS New Dis, Serv Cl | MFS<sup>®</sup> New Discovery Series – Service Class |
| MFS Utilities, Init Cl | MFS<sup>®</sup> Utilities Series – Initial Class |
| MFS Utilities, Serv Cl | MFS<sup>®</sup> Utilities Series – Service Class |
| MS VIF Dis, Cl I | Morgan Stanley VIF Discovery Portfolio, Class I Shares |
| MS VIF Dis, Cl II | Morgan Stanley VIF Discovery Portfolio, Class II Shares |
| NB AMT Quality Eq, Cl I | &nbsp;&nbsp;&nbsp; Neuberger Berman AMT Quality Equity Portfolio (Class I) <br>(previously Neuberger Berman AMT Sustainable Equity Portfolio (Class I)<br>|
| NB AMT Quality Eq, Cl S | &nbsp;&nbsp;&nbsp; Neuberger Berman AMT Quality Equity Portfolio (Class S) <br>(previously Neuberger Berman AMT Sustainable Equity Portfolio (Class S)<br>|
| Nom VIP Asset Strategy, Serv Cl | &nbsp;&nbsp;&nbsp; Nomura VIP Asset Strategy Series – Service Class <br>(previously Macquarie VIP Asset Strategy Series – Service Class)<br>|
| Nom VIP Asset Strategy, Std Cl | &nbsp;&nbsp;&nbsp; Nomura VIP Asset Strategy Series – Standard Class <sup>(1)</sup> <br>(previously Macquarie VIP Asset Strategy Series – Standard Class)<br>|

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**RiverSource of New York Account 8** ■ 160

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---

| | |
|:---|:---|
| **Division** | **Fund** |
| Nom VIP Intl Core Eq, Std Cl | &nbsp;&nbsp;&nbsp; Nomura VIP International Core Equity Series – Standard Class<sup>(8)</sup><sup>(9)</sup> <br>(previously Macquarie VIP International Core Equity Series – Standard Class)<br>|
| PIMCO VIT All Asset, Advisor Cl | PIMCO VIT All Asset Portfolio, Advisor Class |
| PIMCO VIT All Asset, Inst Cl | PIMCO VIT All Asset Portfolio, Institutional Class |
| PIMCO VIT Glb Man As Alloc, Adv Cl | PIMCO VIT Global Managed Asset Allocation Portfolio, Advisor Class |
| PIMCO VIT Tot Return, Advisor Cl | PIMCO VIT Total Return Portfolio, Advisor Class |
| PIMCO VIT Tot Return, Inst Cl | PIMCO VIT Total Return Portfolio, Institutional Class |
| Put VT Global Hlth Care, Cl IA | Putnam VT Global Health Care Fund – Class IA Shares |
| Put VT Global Hlth Care, Cl IB | Putnam VT Global Health Care Fund – Class IB Shares |
| Put VT Hi Yield, Cl IB | Putnam VT High Yield Fund – Class IB Shares |
| Put VT Intl Eq, Cl IB | Putnam VT International Equity Fund – Class IB Shares |
| Put VT Intl Val, Cl IA | Putnam VT International Value Fund – Class IA Shares<sup>(1)</sup> <br>|
| Put VT Lg Cap Val, Cl IA | Putnam VT Large Cap Value Fund – Class IA Shares<sup>(1)</sup> <br>|
| Put VT Sus Leaders, Cl IA | Putnam VT Sustainable Leaders Fund – Class IA Shares |
| Put VT Sus Leaders, Cl IB | Putnam VT Sustainable Leaders Fund – Class IB Shares |
| Royce Micro-Cap, Invest Cl | Royce Capital Fund – Micro-Cap Portfolio, Investment Class |
| Temp Global Bond, Cl 1 | Templeton Global Bond VIP Fund – Class 1 |
| Temp Global Bond, Cl 2 | Templeton Global Bond VIP Fund – Class 2 |
| Third Ave VST Third Ave Value | Third Avenue VST Third Avenue Value Portfolio |
| VanEck VIP Global Gold, Cl S | VanEck VIP Global Gold Fund (Class S Shares) |
| VP Aggr, Cl 1 | Variable Portfolio – Aggressive Portfolio (Class 1) |
| VP Aggr, Cl 2 | Variable Portfolio – Aggressive Portfolio (Class 2) |
| VP Aggr, Cl 4 | Variable Portfolio – Aggressive Portfolio (Class 4) |
| VP Conserv, Cl 1 | Variable Portfolio – Conservative Portfolio (Class 1) |
| VP Conserv, Cl 2 | Variable Portfolio – Conservative Portfolio (Class 2) |
| VP Conserv, Cl 4 | Variable Portfolio – Conservative Portfolio (Class 4) |
| VP Man Vol Conserv Gro, Cl 1 | Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 1) |
| VP Man Vol Conserv Gro, Cl 2 | Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2) |
| VP Man Vol Conserv, Cl 1 | Variable Portfolio – Managed Volatility Conservative Fund (Class 1) |
| VP Man Vol Conserv, Cl 2 | Variable Portfolio – Managed Volatility Conservative Fund (Class 2) |
| VP Man Vol Gro, Cl 1 | Variable Portfolio – Managed Volatility Growth Fund (Class 1) |
| VP Man Vol Gro, Cl 2 | Variable Portfolio – Managed Volatility Growth Fund (Class 2) |
| VP Man Vol Mod Gro, Cl 1 | Variable Portfolio – Managed Volatility Moderate Growth Fund (Class 1) |
| VP Man Vol Mod Gro, Cl 2 | Variable Portfolio – Managed Volatility Moderate Growth Fund (Class 2) |
| VP Mod Aggr, Cl 1 | Variable Portfolio – Moderately Aggressive Portfolio (Class 1) |
| VP Mod Aggr, Cl 2 | Variable Portfolio – Moderately Aggressive Portfolio (Class 2) |
| VP Mod Aggr, Cl 4 | Variable Portfolio – Moderately Aggressive Portfolio (Class 4) |
| VP Mod Conserv, Cl 1 | Variable Portfolio – Moderately Conservative Portfolio (Class 1) |
| VP Mod Conserv, Cl 2 | Variable Portfolio – Moderately Conservative Portfolio (Class 2) |
| VP Mod Conserv, Cl 4 | Variable Portfolio – Moderately Conservative Portfolio (Class 4) |
| VP Mod, Cl 1 | Variable Portfolio – Moderate Portfolio (Class 1) |
| VP Mod, Cl 2 | Variable Portfolio – Moderate Portfolio (Class 2) |
| VP Mod, Cl 4 | Variable Portfolio – Moderate Portfolio (Class 4) |
| VP Ptnrs Core Bond, Cl 1 | Variable Portfolio – Partners Core Bond Fund (Class 1) |
| VP Ptnrs Core Bond, Cl 2 | Variable Portfolio – Partners Core Bond Fund (Class 2) |
| VP Ptnrs Core Eq, Cl 1 | Variable Portfolio – Partners Core Equity Fund (Class 1) |
| VP Ptnrs Core Eq, Cl 2 | Variable Portfolio – Partners Core Equity Fund (Class 2) |
| VP Ptnrs Core Eq, Cl 3 | Variable Portfolio – Partners Core Equity Fund (Class 3) |
| VP Ptnrs Intl Core Eq, Cl 1 | Variable Portfolio – Partners International Core Equity Fund (Class 1) |
| VP Ptnrs Intl Core Eq, Cl 2 | Variable Portfolio – Partners International Core Equity Fund (Class 2) |
| VP Ptnrs Intl Gro, Cl 1 | Variable Portfolio – Partners International Growth Fund (Class 1) |
| VP Ptnrs Intl Gro, Cl 2 | Variable Portfolio – Partners International Growth Fund (Class 2) |
| VP Ptnrs Intl Val, Cl 1 | Variable Portfolio – Partners International Value Fund (Class 1) |
| VP Ptnrs Intl Val, Cl 2 | Variable Portfolio – Partners International Value Fund (Class 2) |
| VP Ptnrs Sm Cap Gro, Cl 1 | Variable Portfolio – Partners Small Cap Growth Fund (Class 1) |
| VP Ptnrs Sm Cap Gro, Cl 2 | Variable Portfolio – Partners Small Cap Growth Fund (Class 2) |
| VP Ptnrs Sm Cap Val, Cl 1 | Variable Portfolio – Partners Small Cap Value Fund (Class 1) |
| VP Ptnrs Sm Cap Val, Cl 2 | Variable Portfolio – Partners Small Cap Value Fund (Class 2) |
| VP Ptnrs Sm Cap Val, Cl 3 | Variable Portfolio – Partners Small Cap Value Fund (Class 3) |
| VP US Flex Conserv Gro, Cl 1 | Variable Portfolio – U.S. Flexible Conservative Growth Fund (Class 1) |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**161 ■ RiverSource of New York Account 8**

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---

| | |
|:---|:---|
| **Division** | **Fund** |
| VP US Flex Gro, Cl 1 | Variable Portfolio – U.S. Flexible Growth Fund (Class 1) |
| VP US Flex Mod Gro, Cl 1 | Variable Portfolio – U.S. Flexible Moderate Growth Fund (Class 1) |
| WA Var Global Hi Yd Bond, Cl I | Western Asset Variable Global High Yield Bond Portfolio – Class I |
| WA Var Global Hi Yd Bond, Cl II | Western Asset Variable Global High Yield Bond Portfolio – Class II |

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

<sup>(1)</sup> For the period January 16, 2024 (commencement of operations) to December 31, 2024.

<sup>(2)</sup> See Note 9 in the Notes to Financial Statements.

<sup>(3)</sup> American Century VP International, Class II reorganized into LVIP American Century International Fund, Service Class on April 26, 2024.

<sup>(4)</sup> American Century VP International, Class I reorganized into LVIP American Century International Fund, Standard Class II on April 26, 2024.

<sup>(5)</sup> American Century VP Mid Cap Value, Class I reorganized into LVIP American Century Mid Cap Value Fund, Standard Class II on April 26, 2024.

<sup>(6)</sup> American Century VP Value, Class II reorganized into LVIP American Century Value Fund, Service Class on April 26, 2024.

<sup>(7)</sup> American Century VP Value, Class I reorganized into LVIP American Century Value Fund, Standard Class II on April 26, 2024.

<sup>(8)</sup> For the period April 26, 2024 (commencement of operations) to December 31, 2024.

<sup>(9)</sup> Delaware VIP<sup>®</sup> International Series – Standard Class merged into Delaware Ivy VIP International Core Equity – Class I on April 26, 2024. Subsequent to the merger, the fund was renamed to Macquerie VIP International Core Equity Series – Standard Class. 

The assets of each division of the Account are not chargeable with liabilities arising out of the business conducted by any other segregated asset account or by RiverSource Life of NY.

RiverSource Life of NY serves as issuer of the variable life insurance policies.

**2.** **SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES**

**Investments in the Funds**

Investment transactions are accounted for on the trade date the shares are purchased and sold. Realized gains and losses on the sales of investments are computed using the average cost method. Income from dividends and gains from realized capital gain distributions are reinvested in additional shares of the Funds and are recorded as income by the divisions on the ex-dividend date.

Unrealized appreciation or depreciation of investments in the accompanying financial statements represents the division's share of the Funds' undistributed net investment income, undistributed realized gain or loss and the unrealized appreciation or depreciation on their investment securities.

The Account categorizes its fair value measurements according to a three-level hierarchy. An investment's level within the fair value hierarchy is based on the lowest level of any input that is deemed significant to the fair value measurement. The three levels of the fair value hierarchy are defined as follows:

Level 1 – Unadjusted quoted prices for identical assets or liabilities in active markets that are accessible at the measurement date.

Level 2 – Prices or valuations based on observable inputs other than quoted prices in active markets for identical assets and liabilities.

Level 3 – Prices or valuations that require inputs that are both significant to the fair value measurement and unobservable.

The Funds in the Account have been measured at fair value using the net asset value per share (or its equivalent) as a practical expedient and are therefore not categorized in the fair value hierarchy. There were no transfers between levels in the period ended December 31, 2025.

**Federal Income Taxes**

RiverSource Life of NY is taxed as a life insurance company. The Account is treated as part of RiverSource Life of NY for federal income tax purposes. Under existing federal income tax law, no income taxes are payable with respect to any investment income of the Account to the extent the earnings are credited under the policies. Based on this, no charge is being made currently to the Account for federal income taxes. RiverSource Life of NY will review periodically the status of this policy. In the event of changes in the tax law, a charge may be made in future years for any federal income taxes that would be attributable to the policies.

**Subsequent Events**

Management has evaluated Account related events and transactions that occurred through the date the financial statements were issued. Management noted there were no items requiring adjustments or additional disclosures in the Account's financial statements.

**RiverSource of New York Account 8** ■ 162

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**Use of Estimates**

The preparation of financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the amounts reported in the financial statements. Actual results could differ from those estimates.

**Segment Reporting**

Accounting Standards Update 2023-07, Segment Reporting (Topic 280) - *Improvements to Reportable Segment Disclosures* enables investors to better understand an entity's overall performance and to assess its potential future cash flows through improved segment disclosures. The Chairman and President and Chief Executive Officer of RiverSource Life Insurance Co. of New York acts as the Account's chief operating decision maker ("CODM") in assessing performance and making decisions about resource allocation. The CODM has determined that the Account has a single operating segment because the CODM monitors net income, investment performance and overall operating results of the Account as a whole in making decisions about resource allocation. The financial information provided to and reviewed by the CODM is consistent with that presented within the Account's financial statements.

**3.** **VARIABLE ACCOUNT EXPENSES**

RiverSource Life of NY deducts a daily mortality and expense risk fee equal, on an annual basis, to the following percent of the average daily net assets of each subaccount.

---

| | |
|:---|:---|
| **Product** | **Mortality and expense risk fee** |
| Succession Select | &nbsp;&nbsp;&nbsp; 0.45% or 0.90% <br>(depending on the policy selected)<br>|
| V2D | 0.90% |
| VUL | 0.90% |
| VUL III | &nbsp;&nbsp;&nbsp; 0.45% or 0.90% <br>(depending on the policy selected)<br>|
| VUL IV | &nbsp;&nbsp;&nbsp; 0.30%, 0.45% or 0.90% <br>(depending on the policy selected)<br>|
| VUL IV – ES | &nbsp;&nbsp;&nbsp; 0.20%, 0.30% or 0.90% <br>(depending on the policy selected)<br>|
| VUL 5 | 0.00% |
| VUL 5 – ES | 0.00% |
| VUL 6 | 0.00% |
| SVUL | 0.00% |

---

**4.** **POLICY CHARGES**

A monthly deduction is made for the cost of insurance and the policy fee. The cost of insurance for the policy month is determined on the monthly date by determining the net amount at risk, as of that day, and by then applying the cost of insurance rates to the net amount at risk which RiverSource Life of NY is assuming for the succeeding month. The monthly deduction will be taken from the subaccounts as specified by the policyholder.

A policy fee may be deducted each month to reimburse RiverSource Life of NY for expenses incurred in administering the policy, such as processing claims, maintaining records, making policy changes and communicating with owners of policies.

RiverSource Life of NY deducts a premium expense charge from each premium payment. It partially compensates RiverSource Life of NY for expenses associated with administering and distributing the policy, including the agents' compensation, advertising and printing the prospectus and sales literature. It also compensates RiverSource Life of NY for paying premium taxes imposed by the state of New York.

Each month RiverSource Life of NY deducts charges for any optional insurance benefits added to the policy by rider.

Some products may also charge a death benefit guarantee charge or a no lapse guarantee charge.

**5.** **SURRENDER CHARGES**

RiverSource Life of NY may assess a surrender charge to help it recover certain expenses related to the issuance of the policy. Such charges are not treated as a separate expense of the divisions as they are ultimately deducted from surrender benefits paid by RiverSource Life of NY. Charges by RiverSource Life of NY for surrenders are not identified on an individual division basis.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**163 ■ RiverSource of New York Account 8**

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

**6.** **RELATED PARTY TRANSACTIONS**

RiverSource Life of NY is a wholly-owned subsidiary of RiverSource Life Insurance Company, which is a wholly-owned subsidiary of Ameriprise Financial, Inc. (Ameriprise Financial).

The following table reflects fees paid by certain affiliated funds to Ameriprise Financial and its affiliates.

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| | |
|:---|:---|
| **Fee Agreement:** | **Fees Paid To:** |
| Management Agreement | Columbia Management Investment Advisers, LLC |
| Shareholder Services Agreement | Columbia Management Investment Services Corp. |
| Plan and Agreement of Distribution | Columbia Management Investment Distributors, Inc. |
| Investment Advisory Agreement\* | Columbia Wanger Asset Management, LLC |
| Administrative Services Agreement\* | Columbia Wanger Asset Management, LLC |

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

\* Prior to April 1, 2025, Columbia Wanger Asset Management, LLC (CWAM) furnished investment advisory services to funds in the Columbia Acorn Trust (CAT) and the Columbia Funds Variable Series Trust (CFVST) (formerly known as Wanger Advisors Trust) under an investment advisory agreement (the Advisory Agreement) and provided administrative services to such funds under a separate administrative services agreement (the Administration Services Agreement). Effective April 1, 2025, CAT and CFVST, on behalf of these funds, entered into a new management services agreement (the Management Agreement) that combined the management services fee that was previously paid under the Advisory Agreement with the administrative services fee that was previously paid under the Administration Services Agreement. Pursuant to a Novation of Management Agreement effective July 7, 2025, Columbia Management Investment Advisors, LLC (CMIA) replaced CWAM, a wholly owned subsidiary of CMIA as a party to the Management Agreement. 

**7.** **INVESTMENT TRANSACTIONS**

The divisions' purchases of Funds' shares, including reinvestment of dividend distributions, for the year ended December 31, 2025 were as follows:

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

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| | |
|:---|:---|
| **Division** | **Purchases** |
| AB VPS Dyn Asset Alloc, Cl B | $10 |
| AB VPS Intl Val, Cl B | 943492 |
| AB VPS Lg Cap Gro, Cl A | 400421 |
| AB VPS Lg Cap Gro, Cl B | 984360 |
| AB VPS Relative Val, Cl B | 571003 |
| Allspg VT Index Asset Alloc, Cl 2 | 95269 |
| Allspg VT Opp, Cl 1 | 7344 |
| Allspg VT Opp, Cl 2 | 319113 |
| Allspg VT Sm Cap Gro, Cl 1 | 137136 |
| Allspg VT Sm Cap Gro, Cl 2 | 361025 |
| ALPS Alerian Engy Infr, Class I | 64530 |
| ALPS Alerian Engy Infr, Class III | 129306 |
| BlackRock Global Alloc, Cl I | 119677 |
| BlackRock Global Alloc, Cl III | 123062 |
| Calvert VP SRI Bal, Cl I | 456713 |
| Col VP Acorn | 829342 |
| Col VP Acorn Intl | 670679 |
| Col VP Bal, Cl 1 | 1106228 |
| Col VP Bal, Cl 3 | 399287 |
| Col VP Commodity Strategy, Cl 1 | 34208 |
| Col VP Commodity Strategy, Cl 2 | 6773 |
| Col VP Contrarian Core, Cl 1 | 122680 |
| Col VP Contrarian Core, Cl 2 | 70569 |
| Col VP Corporate Bond, Cl 1 | 9102 |
| Col VP Corporate Bond, Cl 2 | 14334 |
| Col VP Corporate Bond, Cl 3 | 378720 |
| Col VP Disciplined Core, Cl 1 | 80790 |
| Col VP Disciplined Core, Cl 2 | 14500 |
| Col VP Disciplined Core, Cl 3 | 592534 |
| Col VP Divd Opp, Cl 1 | 195925 |
| Col VP Divd Opp, Cl 2 | 36350 |
| Col VP Divd Opp, Cl 3 | 1906602 |
| Col VP Emer Mkts, Cl 1 | 66999 |
| Col VP Emer Mkts, Cl 2 | 23398 |
| Col VP Emer Mkts, Cl 3 | 261272 |
| Col VP Emerg Mkts Bond, Cl 1 | 17187 |
| Col VP Emerg Mkts Bond, Cl 2 | 1539 |
| Col VP Govt Money Mkt, Cl 1 | 343767 |

---

---

| | |
|:---|:---|
| **Division** | **Purchases** |
| Col VP Govt Money Mkt, Cl 2 | $97637 |
| Col VP Govt Money Mkt, Cl 3 | 849023 |
| Col VP Hi Yield Bond, Cl 1 | 226394 |
| Col VP Hi Yield Bond, Cl 2 | 51731 |
| Col VP Hi Yield Bond, Cl 3 | 665552 |
| Col VP Inc Opp, Cl 1 | 5620 |
| Col VP Inc Opp, Cl 2 | 9981 |
| Col VP Inc Opp, Cl 3 | 110435 |
| Col VP Inter Bond, Cl 1 | 227733 |
| Col VP Inter Bond, Cl 2 | 58589 |
| Col VP Inter Bond, Cl 3 | 1107255 |
| Col VP Lg Cap Gro, Cl 1 | 1032101 |
| Col VP Lg Cap Gro, Cl 2 | 35164 |
| Col VP Lg Cap Gro, Cl 3 | 359061 |
| Col VP Lg Cap Index, Cl 1 | 2630475 |
| Col VP Lg Cap Index, Cl 3 | 2211479 |
| Col VP Limited Duration Cr, Cl 1 | 67540 |
| Col VP Limited Duration Cr, Cl 2 | 175503 |
| Col VP Long Govt/Cr Bond, Cl 1 | 39944 |
| Col VP Long Govt/Cr Bond, Cl 2 | 291 |
| Col VP Overseas Core, Cl 1 | 267188 |
| Col VP Overseas Core, Cl 2 | 24299 |
| Col VP Overseas Core, Cl 3 | 651765 |
| Col VP Sel Gbl Tech, Cl 1 | 173171 |
| Col VP Sel Gbl Tech, Cl 2 | 69060 |
| Col VP Select Lg Cap Val, Cl 1 | 329012 |
| Col VP Select Lg Cap Val, Cl 2 | 13367 |
| Col VP Select Lg Cap Val, Cl 3 | 245416 |
| Col VP Select Mid Cap Gro, Cl 1 | 95376 |
| Col VP Select Mid Cap Gro, Cl 2 | 25762 |
| Col VP Select Mid Cap Gro, Cl 3 | 292566 |
| Col VP Select Mid Cap Val, Cl 1 | 96603 |
| Col VP Select Mid Cap Val, Cl 2 | 10748 |
| Col VP Select Mid Cap Val, Cl 3 | 203774 |
| Col VP Select Sm Cap Val, Cl 1 | 75424 |
| Col VP Select Sm Cap Val, Cl 2 | 17565 |
| Col VP Select Sm Cap Val, Cl 3 | 166070 |
| Col VP Strategic Inc, Cl 1 | 81335 |

---

**RiverSource of New York Account 8** ■ 164

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---

| | |
|:---|:---|
| **Division** | **Purchases** |
| Col VP Strategic Inc, Cl 2 | $130917 |
| Col VP US Govt Mtge, Cl 1 | 5279 |
| Col VP US Govt Mtge, Cl 2 | 1201 |
| Col VP US Govt Mtge, Cl 3 | 291215 |
| CS Commodity Return, Cl 1 | 72449 |
| CTIVP AC Div Bond, Cl 1 | 22675 |
| CTIVP AC Div Bond, Cl 2 | 2501 |
| CTIVP BR Gl Infl Prot Sec, Cl 1 | 13460 |
| CTIVP BR Gl Infl Prot Sec, Cl 2 | 3003 |
| CTIVP BR Gl Infl Prot Sec, Cl 3 | 82287 |
| CTIVP CenterSquare Real Est, Cl 1 | 17854 |
| CTIVP CenterSquare Real Est, Cl 2 | 25959 |
| CTIVP Prin Lg Cap Gro, Cl 1 | 40228 |
| CTIVP Prin Lg Cap Gro, Cl 2 | 3905 |
| CTIVP T Rowe Price LgCap Val, Cl 1 | 123065 |
| CTIVP T Rowe Price LgCap Val, Cl 2 | 14101 |
| CTIVP TCW Core Plus Bond, Cl 1 | 10566 |
| CTIVP TCW Core Plus Bond, Cl 2 | 2302 |
| CTIVP Vty Sycamore Estb Val, Cl 1 | 193056 |
| CTIVP Vty Sycamore Estb Val, Cl 2 | 81236 |
| CTIVP Vty Sycamore Estb Val, Cl 3 | 464442 |
| CTIVP Wellington Lg Cap Val, Cl 1 | 251355 |
| CTIVP Wellington Lg Cap Val, Cl 2 | 46451 |
| CTIVP Westfield Mid Cap Gro, Cl 1 | 51167 |
| CTIVP Westfield Mid Cap Gro, Cl 2 | 2712 |
| CTIVP Westfield Sel Lg Cp Gr, Cl 1 | 20344 |
| CTIVP Westfield Sel Lg Cp Gr, Cl 2 | 4495 |
| CVT EAFE Intl Index, Cl F | 440 |
| CVT EAFE Intl Index, Cl I | 302611 |
| CVT Nasdaq 100 Index, Cl F | 33994 |
| CVT Nasdaq 100 Index, Cl I | 266096 |
| CVT Russ 2000 Sm Cap Ind, Cl F | 3825 |
| CVT Russ 2000 Sm Cap Ind, Cl I | 181798 |
| DWS Alt Asset Alloc VIP, Cl A | 123558 |
| DWS Alt Asset Alloc VIP, Cl B | 104709 |
| EV VT Floating-Rate Inc, Init Cl | 222494 |
| EV VT Floating-Rate Inc, Inst Cl | 887 |
| Fid VIP Contrafund, Init Cl | 1176227 |
| Fid VIP Contrafund, Serv Cl 2 | 2853220 |
| Fid VIP Emer Mkts, Init Cl | 74880 |
| Fid VIP Energy, Init Cl | 2488 |
| Fid VIP Gro & Inc, Serv Cl | 809516 |
| Fid VIP Gro & Inc, Serv Cl 2 | 1135517 |
| Fid VIP Gro Opp, Init Cl | 11158 |
| Fid VIP Invest Gr, Init Cl | 21135 |
| Fid VIP Mid Cap, Init Cl | 695852 |
| Fid VIP Mid Cap, Serv Cl | 901008 |
| Fid VIP Mid Cap, Serv Cl 2 | 1938754 |
| Fid VIP Overseas, Serv Cl | 262220 |
| Fid VIP Overseas, Serv Cl 2 | 402153 |
| Fid VIP Strategic Inc, Init Cl | 198465 |
| Fid VIP Strategic Inc, Serv Cl 2 | 49803 |
| Frank Global Real Est, Cl 2 | 330942 |
| Frank Inc, Cl 1 | 64582 |
| Frank Inc, Cl 2 | 97348 |
| Frank Mutual Shares, Cl 1 | 9884 |
| Frank Mutual Shares, Cl 2 | 722342 |
| Frank Sm Cap Val, Cl 1 | 134920 |
| Frank Sm Cap Val, Cl 2 | 761238 |
| GS VIT Mid Cap Val, Inst | 1653626 |

---

---

| | |
|:---|:---|
| **Division** | **Purchases** |
| GS VIT Sm Cap Eq Insights, Inst | $65881 |
| GS VIT U.S. Eq Insights, Inst | 1061102 |
| Invesco VI Am Fran, Ser I | 122319 |
| Invesco VI Am Fran, Ser II | 299386 |
| Invesco VI Bal Risk Alloc, Ser I | 14008 |
| Invesco VI Bal Risk Alloc, Ser II | 44118 |
| Invesco VI Comstock, Ser II | 157485 |
| Invesco VI Core Eq, Ser I | 1106542 |
| Invesco VI Dis Mid Cap Gro, Ser I | 261142 |
| Invesco VI Div Divd, Ser I | 147096 |
| Invesco VI EQV Intl Eq, Ser II | 146623 |
| Invesco VI Gbl Strat Inc, Ser I | 23333 |
| Invesco VI Gbl Strat Inc, Ser II | 355996 |
| Invesco VI Global, Ser I | 258919 |
| Invesco VI Global, Ser II | 615235 |
| Invesco VI Mn St Sm Cap, Ser I | 262649 |
| Invesco VI Mn St Sm Cap, Ser II | 411460 |
| Invesco VI Tech, Ser I | 521895 |
| Invesco VI Tech, Ser II | 1234 |
| Janus Hend VIT Gbl Tech Innov, Srv | 552527 |
| Janus Henderson VIT Bal, Inst | 304936 |
| Janus Henderson VIT Bal, Serv | 4397 |
| Janus Henderson VIT Enter, Serv | 89262 |
| Janus Henderson VIT Flex Bd, Inst | 220160 |
| Janus Henderson VIT Flex Bd, Serv | 9228 |
| Janus Henderson VIT Overseas, Serv | 196679 |
| Janus Henderson VIT Res, Inst | 20443 |
| Janus Henderson VIT Res, Serv | 132123 |
| Lazard Ret Global Dyn MA, Inv | 7791 |
| Lazard Ret Global Dyn MA, Serv | 5066 |
| Lord Abt Bond Debenture, Cl VC | 7010 |
| LVIP AC Intl, Serv Cl | 167957 |
| LVIP AC Intl, Std Cl II | 27940 |
| LVIP AC Mid Cap Val, Std Cl II | 31341 |
| LVIP AC Val, Serv Cl | 901753 |
| LVIP AC Val, Std Cl II | 496668 |
| MFS Gbl Real Est, Init Cl | 72 |
| MFS Intl Gro, Init Cl | 227143 |
| MFS Mass Inv Gro Stock, Serv Cl | 714807 |
| MFS New Dis, Serv Cl | 161147 |
| MFS Utilities, Init Cl | 48153 |
| MFS Utilities, Serv Cl | 190387 |
| MS VIF Dis, Cl I | 119593 |
| MS VIF Dis, Cl II | 302023 |
| NB AMT Quality Eq, Cl I | 9684 |
| NB AMT Quality Eq, Cl S | 22419 |
| Nom VIP Asset Strategy, Serv Cl | 6677 |
| Nom VIP Asset Strategy, Std Cl | 108 |
| Nom VIP Intl Core Eq, Std Cl | 5 |
| PIMCO VIT All Asset, Advisor Cl | 129971 |
| PIMCO VIT All Asset, Inst Cl | 7274 |
| PIMCO VIT Glb Man As Alloc, Adv Cl | 266 |
| PIMCO VIT Tot Return, Advisor Cl | 362720 |
| PIMCO VIT Tot Return, Inst Cl | 163403 |
| Put VT Global Hlth Care, Cl IA | 26948 |
| Put VT Global Hlth Care, Cl IB | 300937 |
| Put VT Hi Yield, Cl IB | 28931 |
| Put VT Intl Eq, Cl IB | 54998 |
| Put VT Intl Val, Cl IA | 137797 |
| Put VT Lg Cap Val, Cl IA | 259341 |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**165 ■ RiverSource of New York Account 8**

------

---

| | |
|:---|:---|
| **Division** | **Purchases** |
| Put VT Sus Leaders, Cl IA | $1772052 |
| Put VT Sus Leaders, Cl IB | 82225 |
| Royce Micro-Cap, Invest Cl | 396737 |
| Temp Global Bond, Cl 1 | 6930 |
| Temp Global Bond, Cl 2 | 37909 |
| Third Ave VST Third Ave Value | 317684 |
| VanEck VIP Global Gold, Cl S | 104687 |
| VP Aggr, Cl 1 | 864484 |
| VP Aggr, Cl 2 | 1396705 |
| VP Aggr, Cl 4 | 2938039 |
| VP Conserv, Cl 1 |  |
| VP Conserv, Cl 2 | 46759 |
| VP Conserv, Cl 4 | 14320 |
| VP Man Vol Conserv Gro, Cl 1 | 2400 |
| VP Man Vol Conserv Gro, Cl 2 | 15976 |
| VP Man Vol Conserv, Cl 1 | 869 |
| VP Man Vol Conserv, Cl 2 | 283385 |
| VP Man Vol Gro, Cl 1 | 233745 |
| VP Man Vol Gro, Cl 2 | 99713 |
| VP Man Vol Mod Gro, Cl 1 | 99852 |
| VP Man Vol Mod Gro, Cl 2 | 515095 |
| VP Mod Aggr, Cl 1 | 3601953 |
| VP Mod Aggr, Cl 2 | 3117305 |
| VP Mod Aggr, Cl 4 | 6450336 |
| VP Mod Conserv, Cl 1 |  |
| VP Mod Conserv, Cl 2 | 496152 |

---

---

| | |
|:---|:---|
| **Division** | **Purchases** |
| VP Mod Conserv, Cl 4 | $716853 |
| VP Mod, Cl 1 | 1769130 |
| VP Mod, Cl 2 | 2300673 |
| VP Mod, Cl 4 | 4032801 |
| VP Ptnrs Core Bond, Cl 1 | 12489 |
| VP Ptnrs Core Bond, Cl 2 | 18019 |
| VP Ptnrs Core Eq, Cl 1 | 4953 |
| VP Ptnrs Core Eq, Cl 2 | 51 |
| VP Ptnrs Core Eq, Cl 3 | 59346 |
| VP Ptnrs Intl Core Eq, Cl 1 | 142449 |
| VP Ptnrs Intl Core Eq, Cl 2 | 4740 |
| VP Ptnrs Intl Gro, Cl 1 | 101905 |
| VP Ptnrs Intl Gro, Cl 2 | 30592 |
| VP Ptnrs Intl Val, Cl 1 | 11122 |
| VP Ptnrs Intl Val, Cl 2 | 5100 |
| VP Ptnrs Sm Cap Gro, Cl 1 | 8082 |
| VP Ptnrs Sm Cap Gro, Cl 2 | 3559 |
| VP Ptnrs Sm Cap Val, Cl 1 | 1544 |
| VP Ptnrs Sm Cap Val, Cl 2 | 495 |
| VP Ptnrs Sm Cap Val, Cl 3 | 139287 |
| VP US Flex Conserv Gro, Cl 1 | 2189 |
| VP US Flex Gro, Cl 1 | 58580 |
| VP US Flex Mod Gro, Cl 1 | 4318 |
| WA Var Global Hi Yd Bond, Cl I | 6069 |
| WA Var Global Hi Yd Bond, Cl II | 1025 |

---

**RiverSource of New York Account 8** ■ 166

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

**8.** **FINANCIAL HIGHLIGHTS**

The table below shows certain financial information regarding the division(s).

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** |
|  | **Units (000s)** | **Accumulation unit value** <br>**lowest to highest**<sup>(1)</sup>  | **Accumulation unit value** <br>**lowest to highest**<sup>(1)</sup>  | **Accumulation unit value** <br>**lowest to highest**<sup>(1)</sup>  | **Net assets** <br> **(000s)**<br>| **Investment** <br> **income ratio**<sup>(2)</sup> <br>| **Expense ratio** <br>**lowest to highest**<sup>(3)</sup>  | **Expense ratio** <br>**lowest to highest**<sup>(3)</sup>  | **Expense ratio** <br>**lowest to highest**<sup>(3)</sup>  | &nbsp;&nbsp; **Total return** <br>**lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup>  | &nbsp;&nbsp; **Total return** <br>**lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup>  | &nbsp;&nbsp; **Total return** <br>**lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup>  |
| **AB VPS Dyn Asset Alloc, Cl B** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 |  | $1.77 | to | $1.49 | $1 | 1.61<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.22<br> %<br>| to | 12.20<br> %<br>|
| 2024 |  | $1.57 | to | $1.33 | $1 | 1.09<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.43<br> %<br>| to | 9.42<br> %<br>|
| 2023 |  | $1.42 | to | $1.22 | $0 | 0.61<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.48<br> %<br>| to | 12.46<br> %<br>|
| 2022 |  | $1.25 | to | $1.08 | $0 | 2.56<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (18.68)%<br>| to | (19.40)%<br>|
| 2021 |  | $1.54 | to | $1.34 | $1 | 1.56<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.28<br> %<br>| to | 8.30<br> %<br>|
| **AB VPS Intl Val, Cl B** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 1519 | $2.00 | to | $2.61 | $3582 | 2.37<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 40.99<br> %<br>| to | 40.01<br> %<br>|
| 2024 | 1392 | $1.42 | to | $1.86 | $2555 | 2.27<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.60<br> %<br>| to | 3.86<br> %<br>|
| 2023 | 1463 | $1.36 | to | $1.79 | $2703 | 0.70<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.60<br> %<br>| to | 13.80<br> %<br>|
| 2022 | 1516 | $1.18 | to | $1.58 | $2447 | 4.22<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 18.83 %<sup>(5)</sup><br>| to | (14.57)%<br>|
| 2021 | 1523 | $1.32 | to | $1.84 | $2868 | 1.72<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.52<br> %<br>| to | 9.86<br> %<br>|
| **AB VPS Lg Cap Gro, Cl A** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 490 | $2.84 | to | $2.84 | $1391 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.14<br> %<br>| to | 13.14<br> %<br>|
| 2024 | 404 | $2.51 | to | $2.51 | $1015 | 0.05<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 25.25<br> %<br>| to | 25.25<br> %<br>|
| 2023 | 174 | $2.00 | to | $2.00 | $349 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 35.13<br> %<br>| to | 35.13<br> %<br>|
| 2022 | 117 | $1.48 | to | $1.48 | $173 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (28.51)%<br>| to | (28.51)%<br>|
| 2021 | 59 | $2.07 | to | $2.07 | $122 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 28.97<br> %<br>| to | 28.97<br> %<br>|
| **AB VPS Lg Cap Gro, Cl B** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 494 | $7.42 | to | $6.95 | $3777 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.85<br> %<br>| to | 11.84<br> %<br>|
| 2024 | 457 | $6.57 | to | $6.22 | $3401 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 24.95<br> %<br>| to | 23.83<br> %<br>|
| 2023 | 454 | $5.26 | to | $5.02 | $2799 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 34.79<br> %<br>| to | 33.59<br> %<br>|
| 2022 | 392 | $3.90 | to | $3.76 | $1723 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (28.69)%<br>| to | (29.33)%<br>|
| 2021 | 350 | $5.47 | to | $5.32 | $2208 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 28.65<br> %<br>| to | 27.50<br> %<br>|
| **AB VPS Relative Val, Cl B** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 719 | $1.52 | to | $5.21 | $2746 | 0.89<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.98<br> %<br>| to | 9.21<br> %<br>|
| 2024 | 685 | $1.38 | to | $4.77 | $2616 | 1.24<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.54<br> %<br>| to | 11.75<br> %<br>|
| 2023 | 621 | $1.23 | to | $4.27 | $2515 | 1.33<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.50<br> %<br>| to | 10.72<br> %<br>|
| 2022 | 698 | $1.10 | to | $3.86 | $2531 | 1.10<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.30 %<sup>(5)</sup><br>| to | (5.27)%<br>|
| 2021 | 721 | $2.35 | to | $4.07 | $2756 | 0.64<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 27.45<br> %<br>| to | 26.69<br> %<br>|
| **Allspg VT Index Asset Alloc, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 241 | $1.54 | to | $4.74 | $652 | 1.25<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.26<br> %<br>| to | 10.49<br> %<br>|
| 2024 | 243 | $1.38 | to | $4.29 | $594 | 1.31<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.64<br> %<br>| to | 13.83<br> %<br>|
| 2023 | 246 | $1.21 | to | $3.77 | $536 | 0.96<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 16.47<br> %<br>| to | 15.66<br> %<br>|
| 2022 | 260 | $1.04 | to | $3.26 | $495 | 0.63<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.13 %<sup>(5)</sup><br>| to | (17.76)%<br>|
| 2021 | 268 | $2.32 | to | $3.96 | $620 | 0.56<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.65<br> %<br>| to | 14.96<br> %<br>|
| **Allspg VT Opp, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 13 | $2.19 | to | $2.19 | $28 | 0.31<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.00<br> %<br>| to | 7.00<br> %<br>|
| 2024 | 12 | $2.04 | to | $2.04 | $24 | 0.26<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.35<br> %<br>| to | 15.35<br> %<br>|
| 2023 | 12 | $1.77 | to | $1.77 | $21 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 26.83<br> %<br>| to | 26.83<br> %<br>|
| 2022 | 8 | $1.40 | to | $1.40 | $12 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (20.61)%<br>| to | (20.61)%<br>|
| 2021 | 2 | $1.76 | to | $1.76 | $3 | 0.23<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 25.06<br> %<br>| to | 25.06<br> %<br>|
| **Allspg VT Opp, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 274 | $4.39 | to | $7.24 | $1340 | 0.05<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.71<br> %<br>| to | 5.76<br> %<br>|
| 2024 | 263 | $4.12 | to | $6.85 | $1342 | 0.05<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.05<br> %<br>| to | 14.01<br> %<br>|
| 2023 | 266 | $3.58 | to | $6.01 | $1367 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 26.50<br> %<br>| to | 25.37<br> %<br>|
| 2022 | 287 | $2.83 | to | $4.79 | $1192 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (20.81)%<br>| to | (21.52)%<br>|
| 2021 | 298 | $3.57 | to | $6.11 | $1579 | 0.04<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 24.78<br> %<br>| to | 23.66<br> %<br>|
| **Allspg VT Sm Cap Gro, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 329 | $1.62 | to | $1.62 | $534 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.55<br> %<br>| to | 9.55<br> %<br>|
| 2024 | 265 | $1.48 | to | $1.48 | $392 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 19.07<br> %<br>| to | 19.07<br> %<br>|
| 2023 | 225 | $1.24 | to | $1.24 | $280 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.35<br> %<br>| to | 4.35<br> %<br>|
| 2022 | 132 | $1.19 | to | $1.19 | $157 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (34.30)%<br>| to | (34.30)%<br>|

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**167 ■ RiverSource of New York Account 8**

------

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** |
|  | **Units (000s)** | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Net assets** <br> **(000s)**<br>| **Investment** <br> **income ratio**<sup>(2)</sup><br>| **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> |
| 2021 | 46 | $1.81 | to | $1.81 | $83 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.93<br> %<br>| to | 7.93<br> %<br>|
| **Allspg VT Sm Cap Gro, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 479 | $3.55 | to | $7.01 | $1544 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.26<br> %<br>| to | 8.28<br> %<br>|
| 2024 | 452 | $3.25 | to | $6.48 | $1448 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 18.70<br> %<br>| to | 17.63<br> %<br>|
| 2023 | 397 | $2.74 | to | $5.51 | $1311 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.11<br> %<br>| to | 3.18<br> %<br>|
| 2022 | 367 | $2.63 | to | $5.34 | $1211 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (34.42)%<br>| to | (35.01)%<br>|
| 2021 | 371 | $4.01 | to | $8.21 | $1937 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.64<br> %<br>| to | 6.68<br> %<br>|
| **ALPS Alerian Engy Infr, Class I** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 49 | $2.11 | to | $2.11 | $103 | 4.40<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.09<br> %<br>| to | 5.09<br> %<br>|
| 2024 | 44 | $2.00 | to | $2.00 | $89 | 5.13<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 41.03<br> %<br>| to | 41.03<br> %<br>|
| 2023 | 35 | $1.42 | to | $1.42 | $50 | 5.14<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.25<br> %<br>| to | 14.25<br> %<br>|
| 2022 | 18 | $1.24 | to | $1.24 | $23 | 10.76<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 17.84<br> %<br>| to | 17.84<br> %<br>|
| 2021 | 2 | $1.06 | to | $1.06 | $2 | 5.09<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 38.25<br> %<br>| to | 38.25<br> %<br>|
| **ALPS Alerian Engy Infr, Class III** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 314 | $2.07 | to | $1.52 | $518 | 4.41<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.66<br> %<br>| to | 3.72<br> %<br>|
| 2024 | 344 | $1.98 | to | $1.46 | $543 | 4.00<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 40.60<br> %<br>| to | 39.33<br> %<br>|
| 2023 | 464 | $1.41 | to | $1.05 | $514 | 2.87<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.91<br> %<br>| to | 12.89<br> %<br>|
| 2022 | 517 | $1.24 | to | $0.93 | $504 | 4.42<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 17.32<br> %<br>| to | 16.27<br> %<br>|
| 2021 | 464 | $1.05 | to | $0.80 | $390 | 1.76<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 37.78<br> %<br>| to | 36.54<br> %<br>|
| **BlackRock Global Alloc, Cl I** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 213 | $1.77 | to | $1.77 | $378 | 3.66<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 19.80<br> %<br>| to | 19.80<br> %<br>|
| 2024 | 197 | $1.48 | to | $1.48 | $292 | 0.98<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.23<br> %<br>| to | 9.23<br> %<br>|
| 2023 | 140 | $1.36 | to | $1.36 | $189 | 2.45<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.83<br> %<br>| to | 12.83<br> %<br>|
| 2022 | 99 | $1.20 | to | $1.20 | $119 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (15.86)%<br>| to | (15.86)%<br>|
| 2021 | 67 | $1.43 | to | $1.43 | $95 | 1.20<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.67<br> %<br>| to | 6.67<br> %<br>|
| **BlackRock Global Alloc, Cl III** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 321 | $2.36 | to | $1.80 | $618 | 4.25<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 19.51<br> %<br>| to | 18.44<br> %<br>|
| 2024 | 350 | $1.97 | to | $1.52 | $566 | 0.81<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.93<br> %<br>| to | 7.94<br> %<br>|
| 2023 | 347 | $1.81 | to | $1.40 | $514 | 2.63<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.49<br> %<br>| to | 11.48<br> %<br>|
| 2022 | 318 | $1.61 | to | $1.26 | $423 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (16.07)%<br>| to | (16.82)%<br>|
| 2021 | 336 | $1.92 | to | $1.51 | $536 | 0.84<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.42<br> %<br>| to | 5.46<br> %<br>|
| **Calvert VP SRI Bal, Cl I** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 729 | $1.32 | to | $3.34 | $3010 | 1.71<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.48<br> %<br>| to | 10.48<br> %<br>|
| 2024 | 687 | $1.19 | to | $3.02 | $2581 | 1.65<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 19.12 %<sup>(6)</sup><br>| to | 18.53<br> %<br>|
| 2023 | 911 | $1.21 | to | $2.55 | $2776 | 1.59<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 16.60<br> %<br>| to | 15.77<br> %<br>|
| 2022 | 917 | $1.04 | to | $2.20 | $2393 | 1.21<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.47 %<sup>(5)</sup><br>| to | (16.17)%<br>|
| 2021 | 947 | $2.15 | to | $2.63 | $2937 | 1.24<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.77<br> %<br>| to | 14.08<br> %<br>|
| **Col VP Acorn** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 1450 | $1.45 | to | $6.50 | $5847 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.26<br> %<br>| to | 3.53<br> %<br>|
| 2024 | 1307 | $1.39 | to | $6.27 | $5857 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.95<br> %<br>| to | 13.15<br> %<br>|
| 2023 | 1270 | $1.22 | to | $5.54 | $5634 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 21.49<br> %<br>| to | 20.65<br> %<br>|
| 2022 | 1295 | $1.01 | to | $4.60 | $4899 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 2.29 %<sup>(5)</sup><br>| to | (34.06)%<br>|
| 2021 | 1293 | $2.64 | to | $6.97 | $7460 | 0.76<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.57<br> %<br>| to | 7.92<br> %<br>|
| **Col VP Acorn Intl** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 1663 | $1.38 | to | $3.45 | $4081 | 1.27<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.53<br> %<br>| to | 11.75<br> %<br>|
| 2024 | 1564 | $1.23 | to | $3.08 | $3720 | 1.39<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (8.43)%<br>| to | (9.08)%<br>|
| 2023 | 1573 | $1.34 | to | $3.39 | $4276 | 0.32<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 16.72<br> %<br>| to | 15.91<br> %<br>|
| 2022 | 1707 | $1.15 | to | $2.93 | $3948 | 0.92<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.79 %<sup>(5)</sup><br>| to | (34.44)%<br>|
| 2021 | 1667 | $1.98 | to | $4.46 | $5916 | 0.55<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 18.45<br> %<br>| to | 17.74<br> %<br>|
| **Col VP Bal, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 1788 | $2.04 | to | $2.04 | $3651 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.05<br> %<br>| to | 14.05<br> %<br>|
| 2024 | 1427 | $1.79 | to | $1.79 | $2555 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.55<br> %<br>| to | 14.55<br> %<br>|
| 2023 | 999 | $1.56 | to | $1.56 | $1561 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 21.40<br> %<br>| to | 21.40<br> %<br>|
| 2022 | 820 | $1.29 | to | $1.29 | $1056 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (16.65)%<br>| to | (16.65)%<br>|

---

**RiverSource of New York Account 8** ■ 168

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| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** |
|  | **Units (000s)** | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Net assets** <br> **(000s)**<br>| **Investment** <br> **income ratio**<sup>(2)</sup><br>| **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> |
| 2021 | 704 | $1.54 | to | $1.54 | $1087 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.87<br> %<br>| to | 14.87<br> %<br>|
| **Col VP Bal, Cl 3** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 5105 | $3.38 | to | $3.59 | $20073 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.92<br> %<br>| to | 12.90<br> %<br>|
| 2024 | 5377 | $2.97 | to | $3.18 | $18706 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.43<br> %<br>| to | 13.40<br> %<br>|
| 2023 | 5581 | $2.59 | to | $2.80 | $17115 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 21.23<br> %<br>| to | 20.15<br> %<br>|
| 2022 | 5946 | $2.14 | to | $2.33 | $15098 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (16.74)%<br>| to | (17.49)%<br>|
| 2021 | 6268 | $2.57 | to | $2.83 | $19187 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.74<br> %<br>| to | 13.71<br> %<br>|
| **Col VP Commodity Strategy, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 57 | $1.81 | to | $1.81 | $104 | 8.36<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.48<br> %<br>| to | 15.48<br> %<br>|
| 2024 | 44 | $1.57 | to | $1.57 | $70 | 3.60<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.24<br> %<br>| to | 7.24<br> %<br>|
| 2023 | 41 | $1.46 | to | $1.46 | $59 | 22.73<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (6.82)%<br>| to | (6.82)%<br>|
| 2022 | 38 | $1.57 | to | $1.57 | $60 | 25.52<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 19.09<br> %<br>| to | 19.09<br> %<br>|
| 2021 | 30 | $1.32 | to | $1.32 | $39 | 0.21<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 32.63<br> %<br>| to | 32.63<br> %<br>|
| **Col VP Commodity Strategy, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 40 | $1.11 | to | $1.11 | $44 | 7.98<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.31<br> %<br>| to | 15.31<br> %<br>|
| 2024 | 42 | $0.96 | to | $0.96 | $41 | 3.46<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.09<br> %<br>| to | 7.09<br> %<br>|
| 2023 | 40 | $0.90 | to | $0.90 | $36 | 21.97<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (7.13)%<br>| to | (7.13)%<br>|
| 2022 | 38 | $0.97 | to | $0.97 | $36 | 24.92<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 18.70<br> %<br>| to | 18.70<br> %<br>|
| 2021 | 38 | $0.81 | to | $0.81 | $31 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 32.01<br> %<br>| to | 32.01<br> %<br>|
| **Col VP Contrarian Core, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 223 | $2.82 | to | $2.82 | $631 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 17.65<br> %<br>| to | 17.65<br> %<br>|
| 2024 | 190 | $2.40 | to | $2.40 | $457 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 23.40<br> %<br>| to | 23.40<br> %<br>|
| 2023 | 153 | $1.95 | to | $1.95 | $299 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 32.21<br> %<br>| to | 32.21<br> %<br>|
| 2022 | 105 | $1.47 | to | $1.47 | $155 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (18.65)%<br>| to | (18.65)%<br>|
| 2021 | 60 | $1.81 | to | $1.81 | $108 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 24.28<br> %<br>| to | 24.28<br> %<br>|
| **Col VP Contrarian Core, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 100 | $4.72 | to | $4.72 | $470 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 17.35<br> %<br>| to | 17.35<br> %<br>|
| 2024 | 84 | $4.02 | to | $4.02 | $336 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 23.09<br> %<br>| to | 23.09<br> %<br>|
| 2023 | 62 | $3.27 | to | $3.27 | $201 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 31.89<br> %<br>| to | 31.89<br> %<br>|
| 2022 | 51 | $2.48 | to | $2.48 | $127 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (18.85)%<br>| to | (18.85)%<br>|
| 2021 | 52 | $3.05 | to | $3.05 | $158 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 23.96<br> %<br>| to | 23.96<br> %<br>|
| **Col VP Corporate Bond, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 13 | $1.12 | to | $1.12 | $14 | 4.93<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.93<br> %<br>| to | 7.93<br> %<br>|
| 2024 | 6 | $1.04 | to | $1.04 | $7 | 1.72<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.15 %<sup>(6)</sup><br>| to | 4.15 %<sup>(6)</sup><br>|
| **Col VP Corporate Bond, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 96 | $1.06 | to | $1.06 | $102 | 6.57<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.55<br> %<br>| to | 7.55<br> %<br>|
| 2024 | 95 | $0.99 | to | $0.99 | $94 | 3.11<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 3.30<br> %<br>| to | 3.30<br> %<br>|
| 2023 | 93 | $0.95 | to | $0.95 | $89 | 3.09<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.47<br> %<br>| to | 9.47<br> %<br>|
| 2022 | 93 | $0.87 | to | $0.87 | $81 | 3.07<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (13.63)%<br>| to | (13.63)%<br>|
| 2021 | 92 | $1.01 | to | $1.01 | $93 | 3.85<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 1.03<br> %<br>| to | 1.03<br> %<br>|
| **Col VP Corporate Bond, Cl 3** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 890 | $1.24 | to | $1.88 | $1202 | 6.61<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.53<br> %<br>| to | 6.77<br> %<br>|
| 2024 | 941 | $1.16 | to | $1.76 | $1198 | 3.22<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 3.05<br> %<br>| to | 2.32<br> %<br>|
| 2023 | 1017 | $1.12 | to | $1.72 | $1265 | 3.20<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.59<br> %<br>| to | 8.82<br> %<br>|
| 2022 | 1038 | $1.02 | to | $1.58 | $1185 | 3.32<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 2.78 %<sup>(5)</sup><br>| to | (14.38)%<br>|
| 2021 | 1050 | $1.06 | to | $1.84 | $1395 | 3.84<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 0.84<br> %<br>| to | 0.23<br> %<br>|
| **Col VP Disciplined Core, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 168 | $2.47 | to | $2.47 | $416 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.64<br> %<br>| to | 14.64<br> %<br>|
| 2024 | 139 | $2.16 | to | $2.16 | $299 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 26.06<br> %<br>| to | 26.06<br> %<br>|
| 2023 | 96 | $1.71 | to | $1.71 | $165 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 24.36<br> %<br>| to | 24.36<br> %<br>|
| 2022 | 74 | $1.37 | to | $1.37 | $101 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (18.72)%<br>| to | (18.72)%<br>|
| 2021 | 25 | $1.69 | to | $1.69 | $43 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 32.74<br> %<br>| to | 32.74<br> %<br>|
| **Col VP Disciplined Core, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 104 | $5.26 | to | $5.26 | $548 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.35<br> %<br>| to | 14.35<br> %<br>|

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**169 ■ RiverSource of New York Account 8**

------

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** |
|  | **Units (000s)** | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Net assets** <br> **(000s)**<br>| **Investment** <br> **income ratio**<sup>(2)</sup><br>| **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> |
| 2024 | 118 | $4.60 | to | $4.60 | $542 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 25.73<br> %<br>| to | 25.73<br> %<br>|
| 2023 | 127 | $3.66 | to | $3.66 | $465 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 24.08<br> %<br>| to | 24.08<br> %<br>|
| 2022 | 123 | $2.95 | to | $2.95 | $362 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (18.94)%<br>| to | (18.94)%<br>|
| 2021 | 124 | $3.64 | to | $3.64 | $449 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 32.43<br> %<br>| to | 32.43<br> %<br>|
| **Col VP Disciplined Core, Cl 3** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 7411 | $1.86 | to | $4.20 | $34146 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.26<br> %<br>| to | 13.46<br> %<br>|
| 2024 | 8049 | $1.63 | to | $3.70 | $32794 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 25.65<br> %<br>| to | 24.76<br> %<br>|
| 2023 | 8714 | $1.30 | to | $2.97 | $28607 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 23.98<br> %<br>| to | 23.12<br> %<br>|
| 2022 | 9379 | $1.05 | to | $2.41 | $25011 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.12 %<sup>(5)</sup><br>| to | (19.56)%<br>|
| 2021 | 9994 | $3.02 | to | $3.00 | $32947 | —<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 32.17<br> %<br>| to | 31.38<br> %<br>|
| **Col VP Divd Opp, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 405 | $1.98 | to | $1.98 | $802 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.83<br> %<br>| to | 15.83<br> %<br>|
| 2024 | 309 | $1.71 | to | $1.71 | $528 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.42<br> %<br>| to | 15.42<br> %<br>|
| 2023 | 89 | $1.48 | to | $1.48 | $131 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.09<br> %<br>| to | 5.09<br> %<br>|
| 2022 | 79 | $1.41 | to | $1.41 | $111 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (1.11)%<br>| to | (1.11)%<br>|
| 2021 | 57 | $1.42 | to | $1.42 | $81 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 26.16<br> %<br>| to | 26.16<br> %<br>|
| **Col VP Divd Opp, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 114 | $3.53 | to | $3.53 | $403 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.56<br> %<br>| to | 15.56<br> %<br>|
| 2024 | 106 | $3.05 | to | $3.05 | $323 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.12<br> %<br>| to | 15.12<br> %<br>|
| 2023 | 89 | $2.65 | to | $2.65 | $236 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.84<br> %<br>| to | 4.84<br> %<br>|
| 2022 | 60 | $2.53 | to | $2.53 | $152 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (1.39)%<br>| to | (1.39)%<br>|
| 2021 | 44 | $2.57 | to | $2.57 | $113 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 25.89<br> %<br>| to | 25.89<br> %<br>|
| **Col VP Divd Opp, Cl 3** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 3316 | $1.55 | to | $5.69 | $13971 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.45<br> %<br>| to | 14.64<br> %<br>|
| 2024 | 3114 | $1.35 | to | $4.96 | $12854 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.04<br> %<br>| to | 14.24<br> %<br>|
| 2023 | 3106 | $1.17 | to | $4.34 | $12144 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.74<br> %<br>| to | 4.02<br> %<br>|
| 2022 | 3286 | $1.12 | to | $4.18 | $12375 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.24 %<sup>(5)</sup><br>| to | (2.12)%<br>|
| 2021 | 3425 | $2.13 | to | $4.27 | $13121 | —<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 25.64<br> %<br>| to | 24.89<br> %<br>|
| **Col VP Emer Mkts, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 265 | $1.49 | to | $1.49 | $394 | 0.26<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 31.18<br> %<br>| to | 31.18<br> %<br>|
| 2024 | 222 | $1.13 | to | $1.13 | $252 | 1.17<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.68<br> %<br>| to | 5.68<br> %<br>|
| 2023 | 197 | $1.07 | to | $1.07 | $211 | 0.11<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.46<br> %<br>| to | 9.46<br> %<br>|
| 2022 | 171 | $0.98 | to | $0.98 | $168 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (32.90)%<br>| to | (32.90)%<br>|
| 2021 | 77 | $1.46 | to | $1.46 | $112 | 0.92<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (7.20)%<br>| to | (7.20)%<br>|
| **Col VP Emer Mkts, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 263 | $1.83 | to | $1.83 | $482 | 0.06<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 30.87<br> %<br>| to | 30.87<br> %<br>|
| 2024 | 270 | $1.40 | to | $1.40 | $378 | 0.99<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.45<br> %<br>| to | 5.45<br> %<br>|
| 2023 | 263 | $1.33 | to | $1.33 | $350 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.19<br> %<br>| to | 9.19<br> %<br>|
| 2022 | 253 | $1.22 | to | $1.22 | $308 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (33.07)%<br>| to | (33.07)%<br>|
| 2021 | 250 | $1.82 | to | $1.82 | $455 | 0.85<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (7.47)%<br>| to | (7.47)%<br>|
| **Col VP Emer Mkts, Cl 3** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 759 | $1.58 | to | $4.77 | $2359 | 0.17<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 30.76<br> %<br>| to | 29.85<br> %<br>|
| 2024 | 726 | $1.21 | to | $3.67 | $1855 | 1.14<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.29<br> %<br>| to | 4.55<br> %<br>|
| 2023 | 768 | $1.15 | to | $3.51 | $1917 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.09<br> %<br>| to | 8.33<br> %<br>|
| 2022 | 829 | $1.05 | to | $3.24 | $1880 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.78 %<sup>(5)</sup><br>| to | (33.58)%<br>|
| 2021 | 848 | $1.80 | to | $4.88 | $2927 | 0.99<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (7.61)%<br>| to | (8.16)%<br>|
| **Col VP Emerg Mkts Bond, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 44 | $1.24 | to | $1.24 | $54 | 5.51<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.79<br> %<br>| to | 12.79<br> %<br>|
| 2024 | 35 | $1.10 | to | $1.10 | $38 | 5.29<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.39<br> %<br>| to | 6.39<br> %<br>|
| 2023 | 30 | $1.03 | to | $1.03 | $31 | 5.72<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.43<br> %<br>| to | 10.43<br> %<br>|
| 2022 | 23 | $0.94 | to | $0.94 | $21 | 5.56<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (16.03)%<br>| to | (16.03)%<br>|
| 2021 | 2 | $1.11 | to | $1.11 | $2 | 4.23<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (2.20)%<br>| to | (2.20)%<br>|
| **Col VP Emerg Mkts Bond, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 13 | $1.49 | to | $1.49 | $19 | 5.16<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.65<br> %<br>| to | 12.65<br> %<br>|

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**RiverSource of New York Account 8** ■ 170

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| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** |
|  | **Units (000s)** | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Net assets** <br> **(000s)**<br>| **Investment** <br> **income ratio**<sup>(2)</sup><br>| **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> |
| 2024 | 13 | $1.33 | to | $1.33 | $17 | 4.96<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.13<br> %<br>| to | 6.13<br> %<br>|
| 2023 | 12 | $1.25 | to | $1.25 | $15 | 4.98<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.02<br> %<br>| to | 10.02<br> %<br>|
| 2022 | 18 | $1.13 | to | $1.13 | $20 | 4.21<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (16.16)%<br>| to | (16.16)%<br>|
| 2021 | 16 | $1.35 | to | $1.35 | $22 | 3.66<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (2.45)%<br>| to | (2.45)%<br>|
| **Col VP Govt Money Mkt, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 592 | $1.18 | to | $1.18 | $698 | 3.88<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 3.98<br> %<br>| to | 3.98<br> %<br>|
| 2024 | 438 | $1.13 | to | $1.13 | $497 | 4.85<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.00<br> %<br>| to | 5.00<br> %<br>|
| 2023 | 520 | $1.08 | to | $1.08 | $562 | 4.69<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.73<br> %<br>| to | 4.73<br> %<br>|
| 2022 | 162 | $1.03 | to | $1.03 | $167 | 1.82<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 1.20<br> %<br>| to | 1.20<br> %<br>|
| 2021 | 44 | $1.02 | to | $1.02 | $45 | 0.01<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 0.01<br> %<br>| to | 0.01<br> %<br>|
| **Col VP Govt Money Mkt, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 445 | $1.19 | to | $1.19 | $528 | 3.64<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 3.71<br> %<br>| to | 3.71<br> %<br>|
| 2024 | 432 | $1.14 | to | $1.14 | $495 | 4.58<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.74<br> %<br>| to | 4.74<br> %<br>|
| 2023 | 370 | $1.09 | to | $1.09 | $404 | 4.37<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.46<br> %<br>| to | 4.46<br> %<br>|
| 2022 | 488 | $1.05 | to | $1.05 | $510 | 1.03<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 1.10<br> %<br>| to | 1.10<br> %<br>|
| 2021 | 476 | $1.03 | to | $1.03 | $492 | 0.01<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 0.02<br> %<br>| to | 0.02<br> %<br>|
| **Col VP Govt Money Mkt, Cl 3** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 3236 | $1.18 | to | $1.16 | $3668 | 3.77<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 3.63<br> %<br>| to | 2.91<br> %<br>|
| 2024 | 3377 | $1.13 | to | $1.13 | $3693 | 4.71<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.66<br> %<br>| to | 3.92<br> %<br>|
| 2023 | 2522 | $1.08 | to | $1.09 | $2635 | 4.51<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.39<br> %<br>| to | 3.66<br> %<br>|
| 2022 | 2647 | $1.04 | to | $1.05 | $2660 | 1.16<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 0.96<br> %<br>| to | 0.26<br> %<br>|
| 2021 | 2737 | $1.03 | to | $1.05 | $2734 | 0.01<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (0.17)%<br>| to | (0.86)%<br>|
| **Col VP Hi Yield Bond, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 287 | $1.44 | to | $1.44 | $412 | 6.14<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.81<br> %<br>| to | 8.81<br> %<br>|
| 2024 | 170 | $1.32 | to | $1.32 | $225 | 5.85<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.04<br> %<br>| to | 7.04<br> %<br>|
| 2023 | 99 | $1.24 | to | $1.24 | $122 | 5.24<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.19<br> %<br>| to | 12.19<br> %<br>|
| 2022 | 62 | $1.10 | to | $1.10 | $68 | 5.76<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (10.54)%<br>| to | (10.54)%<br>|
| 2021 | 22 | $1.23 | to | $1.23 | $27 | 4.97<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.98<br> %<br>| to | 4.98<br> %<br>|
| **Col VP Hi Yield Bond, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 212 | $1.90 | to | $1.90 | $402 | 5.94<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.50<br> %<br>| to | 8.50<br> %<br>|
| 2024 | 211 | $1.75 | to | $1.75 | $368 | 5.71<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.88<br> %<br>| to | 6.88<br> %<br>|
| 2023 | 195 | $1.64 | to | $1.64 | $319 | 5.30<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.87<br> %<br>| to | 11.87<br> %<br>|
| 2022 | 193 | $1.46 | to | $1.46 | $283 | 5.05<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (10.78)%<br>| to | (10.78)%<br>|
| 2021 | 189 | $1.64 | to | $1.64 | $310 | 4.84<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.79<br> %<br>| to | 4.79<br> %<br>|
| **Col VP Hi Yield Bond, Cl 3** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 1097 | $1.32 | to | $3.69 | $2784 | 6.06<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.33<br> %<br>| to | 7.57<br> %<br>|
| 2024 | 996 | $1.22 | to | $3.43 | $2584 | 5.66<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.74<br> %<br>| to | 5.98<br> %<br>|
| 2023 | 1051 | $1.14 | to | $3.24 | $2638 | 5.42<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.86<br> %<br>| to | 11.08<br> %<br>|
| 2022 | 1041 | $1.02 | to | $2.92 | $2419 | 5.10<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 2.27 %<sup>(5)</sup><br>| to | (11.50)%<br>|
| 2021 | 1113 | $1.53 | to | $3.30 | $2890 | 4.98<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.55<br> %<br>| to | 3.92<br> %<br>|
| **Col VP Inc Opp, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 22 | $1.40 | to | $1.40 | $30 | 1.86<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.78<br> %<br>| to | 8.78<br> %<br>|
| 2024 | 21 | $1.29 | to | $1.29 | $27 | 5.46<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.90<br> %<br>| to | 5.90<br> %<br>|
| 2023 | 18 | $1.22 | to | $1.22 | $22 | 5.21<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.56<br> %<br>| to | 11.56<br> %<br>|
| 2022 | 17 | $1.09 | to | $1.09 | $18 | 5.62<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (10.01)%<br>| to | (10.01)%<br>|
| 2021 | 15 | $1.21 | to | $1.21 | $18 | 9.06<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.50<br> %<br>| to | 4.50<br> %<br>|
| **Col VP Inc Opp, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 49 | $1.82 | to | $1.82 | $89 | 1.80<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.43<br> %<br>| to | 8.43<br> %<br>|
| 2024 | 53 | $1.68 | to | $1.68 | $89 | 5.28<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.71<br> %<br>| to | 5.71<br> %<br>|
| 2023 | 50 | $1.59 | to | $1.59 | $80 | 5.57<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.36<br> %<br>| to | 11.36<br> %<br>|
| 2022 | 31 | $1.43 | to | $1.43 | $44 | 4.99<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (10.22)%<br>| to | (10.22)%<br>|
| 2021 | 20 | $1.59 | to | $1.59 | $31 | 7.51<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.14<br> %<br>| to | 4.14<br> %<br>|
| **Col VP Inc Opp, Cl 3** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 584 | $1.30 | to | $2.62 | $1253 | 1.88<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.37<br> %<br>| to | 7.60<br> %<br>|

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**171 ■ RiverSource of New York Account 8**

------

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** |
|  | **Units (000s)** | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Net assets** <br> **(000s)**<br>| **Investment** <br> **income ratio**<sup>(2)</sup><br>| **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> |
| 2024 | 622 | $1.20 | to | $2.43 | $1256 | 5.52<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.69<br> %<br>| to | 4.94<br> %<br>|
| 2023 | 534 | $1.14 | to | $2.32 | $1083 | 5.04<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.29<br> %<br>| to | 10.51<br> %<br>|
| 2022 | 536 | $1.02 | to | $2.10 | $1015 | 5.25<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 2.16 %<sup>(5)</sup><br>| to | (11.02)%<br>|
| 2021 | 554 | $1.50 | to | $2.36 | $1182 | 8.90<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.16<br> %<br>| to | 3.54<br> %<br>|
| **Col VP Inter Bond, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 229 | $1.18 | to | $1.18 | $271 | 5.61<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.06<br> %<br>| to | 9.06<br> %<br>|
| 2024 | 107 | $1.08 | to | $1.08 | $116 | 5.17<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 1.97<br> %<br>| to | 1.97<br> %<br>|
| 2023 | 82 | $1.06 | to | $1.06 | $87 | 2.48<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.34<br> %<br>| to | 6.34<br> %<br>|
| 2022 | 56 | $1.00 | to | $1.00 | $56 | 3.29<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (17.06)%<br>| to | (17.06)%<br>|
| 2021 | 40 | $1.21 | to | $1.21 | $48 | 3.30<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (0.24)%<br>| to | (0.24)%<br>|
| **Col VP Inter Bond, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 79 | $1.32 | to | $1.32 | $104 | 5.67<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.84<br> %<br>| to | 8.84<br> %<br>|
| 2024 | 54 | $1.21 | to | $1.21 | $66 | 4.92<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 1.73<br> %<br>| to | 1.73<br> %<br>|
| 2023 | 46 | $1.19 | to | $1.19 | $55 | 2.13<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.08<br> %<br>| to | 6.08<br> %<br>|
| 2022 | 37 | $1.12 | to | $1.12 | $42 | 2.44<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (17.22)%<br>| to | (17.22)%<br>|
| 2021 | 49 | $1.36 | to | $1.36 | $66 | 3.01<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (0.58)%<br>| to | (0.58)%<br>|
| **Col VP Inter Bond, Cl 3** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 3526 | $1.19 | to | $2.00 | $5886 | 5.32<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.82<br> %<br>| to | 8.06<br> %<br>|
| 2024 | 3644 | $1.09 | to | $1.85 | $5767 | 4.73<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 1.64<br> %<br>| to | 0.93<br> %<br>|
| 2023 | 3460 | $1.08 | to | $1.83 | $5536 | 2.20<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.98<br> %<br>| to | 5.24<br> %<br>|
| 2022 | 3592 | $1.02 | to | $1.74 | $5476 | 3.08<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 1.80 %<sup>(5)</sup><br>| to | (17.91)%<br>|
| 2021 | 3718 | $1.37 | to | $2.12 | $6924 | 3.19<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (0.65)%<br>| to | (1.25)%<br>|
| **Col VP Lg Cap Gro, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 1387 | $3.11 | to | $3.11 | $4313 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 16.14<br> %<br>| to | 16.14<br> %<br>|
| 2024 | 1064 | $2.68 | to | $2.68 | $2849 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 31.33<br> %<br>| to | 31.33<br> %<br>|
| 2023 | 829 | $2.04 | to | $2.04 | $1690 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 43.16<br> %<br>| to | 43.16<br> %<br>|
| 2022 | 514 | $1.42 | to | $1.42 | $731 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (31.38)%<br>| to | (31.38)%<br>|
| 2021 | 167 | $2.07 | to | $2.07 | $346 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 28.73<br> %<br>| to | 28.73<br> %<br>|
| **Col VP Lg Cap Gro, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 107 | $6.82 | to | $6.82 | $729 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.85<br> %<br>| to | 15.85<br> %<br>|
| 2024 | 109 | $5.88 | to | $5.88 | $640 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 31.01<br> %<br>| to | 31.01<br> %<br>|
| 2023 | 105 | $4.49 | to | $4.49 | $470 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 42.77<br> %<br>| to | 42.77<br> %<br>|
| 2022 | 95 | $3.15 | to | $3.15 | $298 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (31.53)%<br>| to | (31.53)%<br>|
| 2021 | 85 | $4.59 | to | $4.59 | $392 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 28.35<br> %<br>| to | 28.35<br> %<br>|
| **Col VP Lg Cap Gro, Cl 3** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 711 | $2.19 | to | $4.36 | $4159 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.75<br> %<br>| to | 14.94<br> %<br>|
| 2024 | 693 | $1.89 | to | $3.79 | $3746 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 30.93<br> %<br>| to | 30.01<br> %<br>|
| 2023 | 703 | $1.45 | to | $2.91 | $3402 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 42.66<br> %<br>| to | 41.67<br> %<br>|
| 2022 | 761 | $1.01 | to | $2.06 | $2585 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 2.68 %<sup>(5)</sup><br>| to | (32.06)%<br>|
| 2021 | 809 | $3.90 | to | $3.03 | $3968 | —<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 28.15<br> %<br>| to | 27.39<br> %<br>|
| **Col VP Lg Cap Index, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 4716 | $2.68 | to | $2.68 | $12654 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 17.58<br> %<br>| to | 17.58<br> %<br>|
| 2024 | 3730 | $2.28 | to | $2.28 | $8512 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 24.70<br> %<br>| to | 24.70<br> %<br>|
| 2023 | 2812 | $1.83 | to | $1.83 | $5146 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 25.96<br> %<br>| to | 25.96<br> %<br>|
| 2022 | 1730 | $1.45 | to | $1.45 | $2514 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (18.34)%<br>| to | (18.34)%<br>|
| 2021 | 791 | $1.78 | to | $1.78 | $1407 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 28.39<br> %<br>| to | 28.39<br> %<br>|
| **Col VP Lg Cap Index, Cl 3** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 3187 | $5.67 | to | $5.71 | $18706 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 17.42<br> %<br>| to | 16.37<br> %<br>|
| 2024 | 2986 | $4.83 | to | $4.91 | $16441 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 24.54<br> %<br>| to | 23.42<br> %<br>|
| 2023 | 3051 | $3.88 | to | $3.98 | $14291 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 25.81<br> %<br>| to | 24.69<br> %<br>|
| 2022 | 3028 | $3.08 | to | $3.19 | $11465 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (18.45)%<br>| to | (19.18)%<br>|
| 2021 | 3012 | $3.78 | to | $3.95 | $14197 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 28.22<br> %<br>| to | 27.07<br> %<br>|
| **Col VP Limited Duration Cr, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 84 | $1.25 | to | $1.25 | $105 | 8.32<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.35<br> %<br>| to | 6.35<br> %<br>|

---

**RiverSource of New York Account 8** ■ 172

------

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** |
|  | **Units (000s)** | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Net assets** <br> **(000s)**<br>| **Investment** <br> **income ratio**<sup>(2)</sup><br>| **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> |
| 2024 | 38 | $1.17 | to | $1.17 | $44 | 4.54<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.75<br> %<br>| to | 4.75<br> %<br>|
| 2023 | 20 | $1.12 | to | $1.12 | $22 | 3.31<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.89<br> %<br>| to | 6.89<br> %<br>|
| 2022 | 17 | $1.05 | to | $1.05 | $18 | 0.75<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (6.08)%<br>| to | (6.08)%<br>|
| 2021 | 9 | $1.12 | to | $1.12 | $11 | 0.21<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (0.60)%<br>| to | (0.60)%<br>|
| **Col VP Limited Duration Cr, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 784 | $1.33 | to | $1.12 | $925 | 6.12<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.01<br> %<br>| to | 5.05<br> %<br>|
| 2024 | 795 | $1.25 | to | $1.06 | $883 | 3.62<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.63<br> %<br>| to | 3.69<br> %<br>|
| 2023 | 820 | $1.20 | to | $1.03 | $875 | 2.34<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.66<br> %<br>| to | 5.70<br> %<br>|
| 2022 | 1388 | $1.12 | to | $0.97 | $1459 | 0.39<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (6.36)%<br>| to | (7.20)%<br>|
| 2021 | 636 | $1.20 | to | $1.05 | $681 | 1.39<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (0.84)%<br>| to | (1.74)%<br>|
| **Col VP Long Govt/Cr Bond, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 35 | $1.05 | to | $1.05 | $36 | 11.56<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.24<br> %<br>| to | 6.24<br> %<br>|
| 2024 | 11 | $0.98 | to | $0.98 | $10 | 3.92<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (4.14)%<br>| to | (4.14)%<br>|
| 2023 | 10 | $1.03 | to | $1.03 | $10 | 3.45<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.97<br> %<br>| to | 6.97<br> %<br>|
| 2022 | 11 | $0.96 | to | $0.96 | $11 | 3.53<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (27.55)%<br>| to | (27.55)%<br>|
| 2021 | 3 | $1.33 | to | $1.33 | $3 | 2.54<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (3.21)%<br>| to | (3.21)%<br>|
| **Col VP Long Govt/Cr Bond, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 0 | $1.19 | to | $1.19 | $1 | 8.62<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.98<br> %<br>| to | 5.98<br> %<br>|
| 2024 | 1 | $1.12 | to | $1.12 | $1 | 4.91<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (4.39)%<br>| to | (4.39)%<br>|
| 2023 | 7 | $1.18 | to | $1.18 | $9 | 3.12<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.68<br> %<br>| to | 6.68<br> %<br>|
| 2022 | 7 | $1.10 | to | $1.10 | $8 | 2.49<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (27.70)%<br>| to | (27.70)%<br>|
| 2021 | 6 | $1.53 | to | $1.53 | $10 | 1.75<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (3.47)%<br>| to | (3.47)%<br>|
| **Col VP Overseas Core, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 520 | $1.90 | to | $1.90 | $987 | 1.66<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 38.26<br> %<br>| to | 38.26<br> %<br>|
| 2024 | 384 | $1.37 | to | $1.37 | $528 | 3.29<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 3.45<br> %<br>| to | 3.45<br> %<br>|
| 2023 | 170 | $1.33 | to | $1.33 | $225 | 1.79<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.64<br> %<br>| to | 15.64<br> %<br>|
| 2022 | 140 | $1.15 | to | $1.15 | $161 | 0.61<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (14.68)%<br>| to | (14.68)%<br>|
| 2021 | 58 | $1.35 | to | $1.35 | $78 | 1.39<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.96<br> %<br>| to | 9.96<br> %<br>|
| **Col VP Overseas Core, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 99 | $2.51 | to | $2.51 | $250 | 1.69<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 37.86<br> %<br>| to | 37.86<br> %<br>|
| 2024 | 108 | $1.82 | to | $1.82 | $197 | 4.10<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 3.24<br> %<br>| to | 3.24<br> %<br>|
| 2023 | 103 | $1.77 | to | $1.77 | $183 | 1.71<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.32<br> %<br>| to | 15.32<br> %<br>|
| 2022 | 101 | $1.53 | to | $1.53 | $154 | 0.73<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (14.90)%<br>| to | (14.90)%<br>|
| 2021 | 94 | $1.80 | to | $1.80 | $170 | 1.10<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.74<br> %<br>| to | 9.74<br> %<br>|
| **Col VP Overseas Core, Cl 3** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 3074 | $1.88 | to | $1.87 | $6205 | 1.76<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 37.82<br> %<br>| to | 36.87<br> %<br>|
| 2024 | 3144 | $1.36 | to | $1.36 | $4624 | 4.25<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 3.14<br> %<br>| to | 2.41<br> %<br>|
| 2023 | 3265 | $1.32 | to | $1.33 | $4688 | 1.82<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.24<br> %<br>| to | 14.44<br> %<br>|
| 2022 | 3464 | $1.14 | to | $1.16 | $4341 | 0.79<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.40 %<sup>(5)</sup><br>| to | (15.56)%<br>|
| 2021 | 3611 | $1.55 | to | $1.38 | $5339 | 1.18<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.55<br> %<br>| to | 8.90<br> %<br>|
| **Col VP Sel Gbl Tech, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 270 | $2.14 | to | $2.14 | $578 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 34.73<br> %<br>| to | 34.73<br> %<br>|
| 2024 | 231 | $1.59 | to | $1.59 | $368 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 26.91<br> %<br>| to | 26.91<br> %<br>|
| 2023 | 147 | $1.25 | to | $1.25 | $184 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 45.28<br> %<br>| to | 45.28<br> %<br>|
| 2022 | 71 | $0.86 | to | $0.86 | $61 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (15.48 )%<sup>(7)</sup><br>| to | (15.48 )%<sup>(7)</sup><br>|
| **Col VP Sel Gbl Tech, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 98 | $2.12 | to | $2.12 | $207 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 34.37<br> %<br>| to | 34.37<br> %<br>|
| 2024 | 65 | $1.58 | to | $1.58 | $103 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 26.58<br> %<br>| to | 26.58<br> %<br>|
| 2023 | 33 | $1.25 | to | $1.25 | $41 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 44.87<br> %<br>| to | 44.87<br> %<br>|
| 2022 | 2 | $0.86 | to | $0.86 | $2 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (15.57 )%<sup>(7)</sup><br>| to | (15.57 )%<sup>(7)</sup><br>|
| **Col VP Select Lg Cap Val, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 607 | $2.28 | to | $2.28 | $1381 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 28.27<br> %<br>| to | 28.27<br> %<br>|
| 2024 | 507 | $1.77 | to | $1.77 | $899 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.87<br> %<br>| to | 12.87<br> %<br>|
| 2023 | 419 | $1.57 | to | $1.57 | $659 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.39<br> %<br>| to | 5.39<br> %<br>|

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**173 ■ RiverSource of New York Account 8**

------

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| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** |
|  | **Units (000s)** | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Net assets** <br> **(000s)**<br>| **Investment** <br> **income ratio**<sup>(2)</sup><br>| **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> |
| 2022 | 238 | $1.49 | to | $1.49 | $355 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (1.84)%<br>| to | (1.84)%<br>|
| 2021 | 70 | $1.52 | to | $1.52 | $106 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 26.29<br> %<br>| to | 26.29<br> %<br>|
| **Col VP Select Lg Cap Val, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 55 | $4.72 | to | $4.72 | $259 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 27.97<br> %<br>| to | 27.97<br> %<br>|
| 2024 | 55 | $3.68 | to | $3.68 | $204 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.58<br> %<br>| to | 12.58<br> %<br>|
| 2023 | 44 | $3.27 | to | $3.27 | $146 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.11<br> %<br>| to | 5.11<br> %<br>|
| 2022 | 39 | $3.11 | to | $3.11 | $121 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (2.06)%<br>| to | (2.06)%<br>|
| 2021 | 34 | $3.18 | to | $3.18 | $107 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 25.98<br> %<br>| to | 25.98<br> %<br>|
| **Col VP Select Lg Cap Val, Cl 3** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 236 | $1.68 | to | $4.66 | $945 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 27.85<br> %<br>| to | 26.95<br> %<br>|
| 2024 | 186 | $1.32 | to | $3.67 | $774 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.53<br> %<br>| to | 11.74<br> %<br>|
| 2023 | 264 | $1.17 | to | $3.29 | $911 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.02<br> %<br>| to | 4.29<br> %<br>|
| 2022 | 283 | $1.11 | to | $3.15 | $940 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.68 %<sup>(5)</sup><br>| to | (2.83)%<br>|
| 2021 | 276 | $2.41 | to | $3.24 | $928 | —<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 25.77<br> %<br>| to | 25.02<br> %<br>|
| **Col VP Select Mid Cap Gro, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 308 | $2.27 | to | $2.27 | $698 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.14<br> %<br>| to | 15.14<br> %<br>|
| 2024 | 266 | $1.97 | to | $1.97 | $524 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 23.68<br> %<br>| to | 23.68<br> %<br>|
| 2023 | 197 | $1.59 | to | $1.59 | $313 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 25.24<br> %<br>| to | 25.24<br> %<br>|
| 2022 | 160 | $1.27 | to | $1.27 | $203 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (30.83)%<br>| to | (30.83)%<br>|
| 2021 | 78 | $1.84 | to | $1.84 | $143 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 16.57<br> %<br>| to | 16.57<br> %<br>|
| **Col VP Select Mid Cap Gro, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 32 | $4.51 | to | $4.51 | $144 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.86<br> %<br>| to | 14.86<br> %<br>|
| 2024 | 31 | $3.92 | to | $3.92 | $122 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 23.37<br> %<br>| to | 23.37<br> %<br>|
| 2023 | 30 | $3.18 | to | $3.18 | $95 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 24.92<br> %<br>| to | 24.92<br> %<br>|
| 2022 | 27 | $2.55 | to | $2.55 | $70 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (31.01)%<br>| to | (31.01)%<br>|
| 2021 | 30 | $3.69 | to | $3.69 | $109 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 16.27<br> %<br>| to | 16.27<br> %<br>|
| **Col VP Select Mid Cap Gro, Cl 3** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 311 | $1.78 | to | $6.16 | $1348 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.77<br> %<br>| to | 13.97<br> %<br>|
| 2024 | 296 | $1.55 | to | $5.40 | $1200 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 23.28<br> %<br>| to | 22.41<br> %<br>|
| 2023 | 256 | $1.26 | to | $4.41 | $1030 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 24.84<br> %<br>| to | 23.97<br> %<br>|
| 2022 | 220 | $1.01 | to | $3.56 | $804 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 2.87 %<sup>(5)</sup><br>| to | (31.54)%<br>|
| 2021 | 245 | $3.04 | to | $5.20 | $1252 | —<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 16.06<br> %<br>| to | 15.36<br> %<br>|
| **Col VP Select Mid Cap Val, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 306 | $2.05 | to | $2.05 | $627 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.18<br> %<br>| to | 14.18<br> %<br>|
| 2024 | 259 | $1.80 | to | $1.80 | $465 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.54<br> %<br>| to | 12.54<br> %<br>|
| 2023 | 182 | $1.60 | to | $1.60 | $290 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.30<br> %<br>| to | 10.30<br> %<br>|
| 2022 | 139 | $1.45 | to | $1.45 | $201 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (9.44)%<br>| to | (9.44)%<br>|
| 2021 | 41 | $1.60 | to | $1.60 | $66 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 32.33<br> %<br>| to | 32.33<br> %<br>|
| **Col VP Select Mid Cap Val, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 52 | $3.97 | to | $3.97 | $204 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.87<br> %<br>| to | 13.87<br> %<br>|
| 2024 | 51 | $3.48 | to | $3.48 | $179 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.27<br> %<br>| to | 12.27<br> %<br>|
| 2023 | 51 | $3.10 | to | $3.10 | $158 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.05<br> %<br>| to | 10.05<br> %<br>|
| 2022 | 47 | $2.82 | to | $2.82 | $133 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (9.66)%<br>| to | (9.66)%<br>|
| 2021 | 39 | $3.12 | to | $3.12 | $123 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 31.97<br> %<br>| to | 31.97<br> %<br>|
| **Col VP Select Mid Cap Val, Cl 3** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 334 | $1.52 | to | $3.86 | $1071 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.78<br> %<br>| to | 12.99<br> %<br>|
| 2024 | 286 | $1.34 | to | $3.41 | $989 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.18<br> %<br>| to | 11.40<br> %<br>|
| 2023 | 250 | $1.19 | to | $3.06 | $906 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.96<br> %<br>| to | 9.20<br> %<br>|
| 2022 | 216 | $1.08 | to | $2.80 | $800 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.03 %<sup>(5)</sup><br>| to | (10.37)%<br>|
| 2021 | 224 | $2.35 | to | $3.13 | $938 | —<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 31.74<br> %<br>| to | 30.95<br> %<br>|
| **Col VP Select Sm Cap Val, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 146 | $1.69 | to | $1.69 | $247 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.59<br> %<br>| to | 6.59<br> %<br>|
| 2024 | 105 | $1.59 | to | $1.59 | $166 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.93<br> %<br>| to | 13.93<br> %<br>|
| 2023 | 71 | $1.39 | to | $1.39 | $99 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.14<br> %<br>| to | 13.14<br> %<br>|

---

**RiverSource of New York Account 8** ■ 174

------

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| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** |
|  | **Units (000s)** | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Net assets** <br> **(000s)**<br>| **Investment** <br> **income ratio**<sup>(2)</sup><br>| **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> |
| 2022 | 47 | $1.23 | to | $1.23 | $57 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (14.70)%<br>| to | (14.70)%<br>|
| 2021 | 19 | $1.44 | to | $1.44 | $27 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 30.93<br> %<br>| to | 30.93<br> %<br>|
| **Col VP Select Sm Cap Val, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 58 | $3.37 | to | $3.37 | $196 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.30<br> %<br>| to | 6.30<br> %<br>|
| 2024 | 54 | $3.17 | to | $3.17 | $170 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.66<br> %<br>| to | 13.66<br> %<br>|
| 2023 | 54 | $2.79 | to | $2.79 | $150 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.85<br> %<br>| to | 12.85<br> %<br>|
| 2022 | 50 | $2.47 | to | $2.47 | $123 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (14.93)%<br>| to | (14.93)%<br>|
| 2021 | 41 | $2.90 | to | $2.90 | $119 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 30.62<br> %<br>| to | 30.62<br> %<br>|
| **Col VP Select Sm Cap Val, Cl 3** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 284 | $1.43 | to | $4.63 | $1107 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.23<br> %<br>| to | 5.49<br> %<br>|
| 2024 | 275 | $1.35 | to | $4.39 | $1217 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.58<br> %<br>| to | 12.78<br> %<br>|
| 2023 | 270 | $1.19 | to | $3.89 | $1118 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.75<br> %<br>| to | 11.97<br> %<br>|
| 2022 | 254 | $1.05 | to | $3.48 | $1013 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.87 %<sup>(5)</sup><br>| to | (15.58)%<br>|
| 2021 | 267 | $2.09 | to | $4.12 | $1261 | —<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 30.41<br> %<br>| to | 29.63<br> %<br>|
| **Col VP Strategic Inc, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 210 | $1.27 | to | $1.27 | $267 | 4.77<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.32<br> %<br>| to | 7.32<br> %<br>|
| 2024 | 172 | $1.19 | to | $1.19 | $204 | 4.44<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.70<br> %<br>| to | 4.70<br> %<br>|
| 2023 | 128 | $1.13 | to | $1.13 | $145 | 3.67<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.67<br> %<br>| to | 9.67<br> %<br>|
| 2022 | 92 | $1.03 | to | $1.03 | $95 | 2.87<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (11.37)%<br>| to | (11.37)%<br>|
| 2021 | 73 | $1.17 | to | $1.17 | $85 | 5.75<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 2.09<br> %<br>| to | 2.09<br> %<br>|
| **Col VP Strategic Inc, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 178 | $1.53 | to | $1.53 | $272 | 4.46<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.16<br> %<br>| to | 7.16<br> %<br>|
| 2024 | 199 | $1.42 | to | $1.42 | $284 | 4.73<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.51<br> %<br>| to | 4.51<br> %<br>|
| 2023 | 132 | $1.36 | to | $1.36 | $180 | 3.31<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.20<br> %<br>| to | 9.20<br> %<br>|
| 2022 | 103 | $1.25 | to | $1.25 | $128 | 2.45<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (11.52)%<br>| to | (11.52)%<br>|
| 2021 | 110 | $1.41 | to | $1.41 | $155 | 5.10<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 1.63<br> %<br>| to | 1.63<br> %<br>|
| **Col VP US Govt Mtge, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 24 | $1.11 | to | $1.11 | $27 | 2.42<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.19<br> %<br>| to | 9.19<br> %<br>|
| 2024 | 22 | $1.01 | to | $1.01 | $22 | 3.67<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 1.57<br> %<br>| to | 1.57<br> %<br>|
| 2023 | 17 | $1.00 | to | $1.00 | $17 | 3.16<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.70<br> %<br>| to | 5.70<br> %<br>|
| 2022 | 13 | $0.94 | to | $0.94 | $12 | 2.52<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (14.14)%<br>| to | (14.14)%<br>|
| 2021 | 6 | $1.10 | to | $1.10 | $6 | 1.78<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (0.95)%<br>| to | (0.95)%<br>|
| **Col VP US Govt Mtge, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 13 | $1.24 | to | $1.24 | $16 | 1.75<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.83<br> %<br>| to | 8.83<br> %<br>|
| 2024 | 17 | $1.14 | to | $1.14 | $19 | 3.11<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 1.33<br> %<br>| to | 1.33<br> %<br>|
| 2023 | 17 | $1.12 | to | $1.12 | $19 | 2.64<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.43<br> %<br>| to | 5.43<br> %<br>|
| 2022 | 9 | $1.06 | to | $1.06 | $10 | 2.03<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (14.32)%<br>| to | (14.32)%<br>|
| 2021 | 5 | $1.24 | to | $1.24 | $7 | 1.85<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (1.20)%<br>| to | (1.20)%<br>|
| **Col VP US Govt Mtge, Cl 3** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 947 | $1.18 | to | $1.41 | $1237 | 2.13<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.84<br> %<br>| to | 8.08<br> %<br>|
| 2024 | 975 | $1.09 | to | $1.30 | $1184 | 3.24<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 1.24<br> %<br>| to | 0.53<br> %<br>|
| 2023 | 982 | $1.07 | to | $1.29 | $1186 | 2.66<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.35<br> %<br>| to | 4.61<br> %<br>|
| 2022 | 993 | $1.02 | to | $1.24 | $1145 | 2.02<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 2.31 %<sup>(5)</sup><br>| to | (15.03)%<br>|
| 2021 | 1027 | $1.26 | to | $1.46 | $1391 | 1.95<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (1.36)%<br>| to | (1.96)%<br>|
| **CS Commodity Return, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 422 | $1.06 | to | $0.72 | $423 | 4.06<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.13<br> %<br>| to | 14.32<br> %<br>|
| 2024 | 415 | $0.92 | to | $0.63 | $364 | 3.07<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.62<br> %<br>| to | 3.88<br> %<br>|
| 2023 | 485 | $0.88 | to | $0.61 | $406 | 20.79<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (9.30)%<br>| to | (9.93)%<br>|
| 2022 | 538 | $0.97 | to | $0.68 | $501 | 15.76<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (2.05 )%<sup>(5)</sup><br>| to | 14.99<br> %<br>|
| 2021 | 491 | $0.82 | to | $0.59 | $391 | 4.98<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 27.52<br> %<br>| to | 26.75<br> %<br>|
| **CTIVP AC Div Bond, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 42 | $1.14 | to | $1.14 | $49 | 3.45<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.48<br> %<br>| to | 7.48<br> %<br>|
| 2024 | 28 | $1.07 | to | $1.07 | $30 | 4.02<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 1.78<br> %<br>| to | 1.78<br> %<br>|
| 2023 | 30 | $1.05 | to | $1.05 | $31 | 3.37<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.59<br> %<br>| to | 5.59<br> %<br>|

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**175 ■ RiverSource of New York Account 8**

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| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** |
|  | **Units (000s)** | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Net assets** <br> **(000s)**<br>| **Investment** <br> **income ratio**<sup>(2)</sup><br>| **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> |
| 2022 | 31 | $0.99 | to | $0.99 | $30 | 3.72<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (15.29)%<br>| to | (15.29)%<br>|
| 2021 | 8 | $1.17 | to | $1.17 | $9 | 1.74<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 0.45<br> %<br>| to | 0.45<br> %<br>|
| **CTIVP AC Div Bond, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 21 | $1.26 | to | $1.26 | $27 | 3.00<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.24<br> %<br>| to | 7.24<br> %<br>|
| 2024 | 21 | $1.18 | to | $1.18 | $24 | 3.80<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 1.53<br> %<br>| to | 1.53<br> %<br>|
| 2023 | 16 | $1.16 | to | $1.16 | $18 | 3.10<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.33<br> %<br>| to | 5.33<br> %<br>|
| 2022 | 16 | $1.10 | to | $1.10 | $17 | 2.92<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (15.51)%<br>| to | (15.51)%<br>|
| 2021 | 14 | $1.30 | to | $1.30 | $18 | 2.31<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 0.29<br> %<br>| to | 0.29<br> %<br>|
| **CTIVP BR Gl Infl Prot Sec, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 46 | $1.07 | to | $1.07 | $49 | 3.75<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.23<br> %<br>| to | 4.23<br> %<br>|
| 2024 | 47 | $1.03 | to | $1.03 | $48 | 1.91<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (0.92)%<br>| to | (0.92)%<br>|
| 2023 | 36 | $1.04 | to | $1.04 | $38 | 9.56<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.10<br> %<br>| to | 4.10<br> %<br>|
| 2022 | 58 | $1.00 | to | $1.00 | $58 | 2.80<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (17.51)%<br>| to | (17.51)%<br>|
| 2021 | 45 | $1.21 | to | $1.21 | $54 | 0.66<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.56<br> %<br>| to | 4.56<br> %<br>|
| **CTIVP BR Gl Infl Prot Sec, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 18 | $1.21 | to | $1.21 | $22 | 3.51<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 3.84<br> %<br>| to | 3.84<br> %<br>|
| 2024 | 16 | $1.17 | to | $1.17 | $19 | 1.83<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (1.20)%<br>| to | (1.20)%<br>|
| 2023 | 14 | $1.18 | to | $1.18 | $17 | 8.11<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 3.89<br> %<br>| to | 3.89<br> %<br>|
| 2022 | 17 | $1.14 | to | $1.14 | $19 | 4.47<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (17.69)%<br>| to | (17.69)%<br>|
| 2021 | 15 | $1.38 | to | $1.38 | $21 | 0.55<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.43<br> %<br>| to | 4.43<br> %<br>|
| **CTIVP BR Gl Infl Prot Sec, Cl 3** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 359 | $1.10 | to | $1.47 | $488 | 3.51<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 3.68<br> %<br>| to | 2.95<br> %<br>|
| 2024 | 385 | $1.06 | to | $1.43 | $518 | 1.85<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (1.25)%<br>| to | (1.95)%<br>|
| 2023 | 400 | $1.07 | to | $1.46 | $555 | 8.72<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 3.75<br> %<br>| to | 3.02<br> %<br>|
| 2022 | 421 | $1.03 | to | $1.41 | $568 | 4.44<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.32 %<sup>(5)</sup><br>| to | (18.32)%<br>|
| 2021 | 437 | $1.40 | to | $1.73 | $720 | 0.68<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.17<br> %<br>| to | 3.54<br> %<br>|
| **CTIVP CenterSquare Real Est, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 62 | $1.46 | to | $1.46 | $90 | 2.89<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 2.19<br> %<br>| to | 2.19<br> %<br>|
| 2024 | 57 | $1.43 | to | $1.43 | $81 | 2.59<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.34<br> %<br>| to | 10.34<br> %<br>|
| 2023 | 49 | $1.29 | to | $1.29 | $64 | 2.17<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.76<br> %<br>| to | 13.76<br> %<br>|
| 2022 | 38 | $1.14 | to | $1.14 | $43 | 1.71<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (24.12)%<br>| to | (24.12)%<br>|
| 2021 | 22 | $1.50 | to | $1.50 | $33 | 1.38<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 41.44<br> %<br>| to | 41.44<br> %<br>|
| **CTIVP CenterSquare Real Est, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 96 | $2.08 | to | $2.08 | $200 | 2.63<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 2.11<br> %<br>| to | 2.11<br> %<br>|
| 2024 | 102 | $2.04 | to | $2.04 | $208 | 2.48<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.86<br> %<br>| to | 9.86<br> %<br>|
| 2023 | 115 | $1.85 | to | $1.85 | $213 | 1.81<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.56<br> %<br>| to | 13.56<br> %<br>|
| 2022 | 121 | $1.63 | to | $1.63 | $197 | 1.33<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (24.33)%<br>| to | (24.33)%<br>|
| 2021 | 116 | $2.16 | to | $2.16 | $251 | 1.13<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 41.20<br> %<br>| to | 41.20<br> %<br>|
| **CTIVP Prin Lg Cap Gro, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 88 | $2.55 | to | $2.55 | $224 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.78<br> %<br>| to | 13.78<br> %<br>|
| 2024 | 74 | $2.24 | to | $2.24 | $165 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 21.42<br> %<br>| to | 21.42<br> %<br>|
| 2023 | 64 | $1.84 | to | $1.84 | $119 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 39.54<br> %<br>| to | 39.54<br> %<br>|
| 2022 | 55 | $1.32 | to | $1.32 | $73 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (28.00)%<br>| to | (28.00)%<br>|
| 2021 | 38 | $1.84 | to | $1.84 | $70 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 18.57<br> %<br>| to | 18.57<br> %<br>|
| **CTIVP Prin Lg Cap Gro, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 20 | $6.01 | to | $6.01 | $121 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.49<br> %<br>| to | 13.49<br> %<br>|
| 2024 | 22 | $5.30 | to | $5.30 | $117 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 21.12<br> %<br>| to | 21.12<br> %<br>|
| 2023 | 18 | $4.37 | to | $4.37 | $78 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 39.21<br> %<br>| to | 39.21<br> %<br>|
| 2022 | 17 | $3.14 | to | $3.14 | $54 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (28.19)%<br>| to | (28.19)%<br>|
| 2021 | 18 | $4.37 | to | $4.37 | $79 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 18.28<br> %<br>| to | 18.28<br> %<br>|
| **CTIVP T Rowe Price LgCap Val, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 186 | $1.93 | to | $1.93 | $358 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.40<br> %<br>| to | 12.40<br> %<br>|
| 2024 | 134 | $1.71 | to | $1.71 | $229 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.94<br> %<br>| to | 11.94<br> %<br>|
| 2023 | 122 | $1.53 | to | $1.53 | $187 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.59<br> %<br>| to | 9.59<br> %<br>|

---

**RiverSource of New York Account 8** ■ 176

------

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| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** |
|  | **Units (000s)** | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Net assets** <br> **(000s)**<br>| **Investment** <br> **income ratio**<sup>(2)</sup><br>| **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> |
| 2022 | 82 | $1.40 | to | $1.40 | $115 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (4.96)%<br>| to | (4.96)%<br>|
| 2021 | 70 | $1.47 | to | $1.47 | $103 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 25.29<br> %<br>| to | 25.29<br> %<br>|
| **CTIVP T Rowe Price LgCap Val, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 57 | $3.15 | to | $3.15 | $179 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.12<br> %<br>| to | 12.12<br> %<br>|
| 2024 | 53 | $2.81 | to | $2.81 | $150 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.68<br> %<br>| to | 11.68<br> %<br>|
| 2023 | 52 | $2.52 | to | $2.52 | $131 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.28<br> %<br>| to | 9.28<br> %<br>|
| 2022 | 50 | $2.31 | to | $2.31 | $114 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (5.17)%<br>| to | (5.17)%<br>|
| 2021 | 40 | $2.43 | to | $2.43 | $98 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 24.98<br> %<br>| to | 24.98<br> %<br>|
| **CTIVP TCW Core Plus Bond, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 81 | $1.14 | to | $1.14 | $92 | 4.71<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.55<br> %<br>| to | 7.55<br> %<br>|
| 2024 | 79 | $1.06 | to | $1.06 | $83 | 3.96<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 0.75<br> %<br>| to | 0.75<br> %<br>|
| 2023 | 83 | $1.05 | to | $1.05 | $87 | 2.36<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.92<br> %<br>| to | 5.92<br> %<br>|
| 2022 | 59 | $0.99 | to | $0.99 | $58 | 1.16<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (14.19)%<br>| to | (14.19)%<br>|
| 2021 | 46 | $1.16 | to | $1.16 | $53 | 1.38<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (1.14)%<br>| to | (1.14)%<br>|
| **CTIVP TCW Core Plus Bond, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 37 | $1.22 | to | $1.22 | $45 | 4.53<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.19<br> %<br>| to | 7.19<br> %<br>|
| 2024 | 37 | $1.14 | to | $1.14 | $42 | 3.90<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 0.51<br> %<br>| to | 0.51<br> %<br>|
| 2023 | 36 | $1.13 | to | $1.13 | $41 | 1.96<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.54<br> %<br>| to | 5.54<br> %<br>|
| 2022 | 20 | $1.07 | to | $1.07 | $21 | 0.87<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (14.31)%<br>| to | (14.31)%<br>|
| 2021 | 21 | $1.25 | to | $1.25 | $26 | 1.16<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (1.41)%<br>| to | (1.41)%<br>|
| **CTIVP Vty Sycamore Estb Val, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 469 | $1.93 | to | $1.93 | $908 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 2.27<br> %<br>| to | 2.27<br> %<br>|
| 2024 | 401 | $1.89 | to | $1.89 | $758 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.92<br> %<br>| to | 9.92<br> %<br>|
| 2023 | 322 | $1.72 | to | $1.72 | $554 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.92<br> %<br>| to | 9.92<br> %<br>|
| 2022 | 233 | $1.57 | to | $1.57 | $365 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (2.75)%<br>| to | (2.75)%<br>|
| 2021 | 91 | $1.61 | to | $1.61 | $146 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 31.90<br> %<br>| to | 31.90<br> %<br>|
| **CTIVP Vty Sycamore Estb Val, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 116 | $4.14 | to | $4.14 | $482 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 2.00<br> %<br>| to | 2.00<br> %<br>|
| 2024 | 135 | $4.06 | to | $4.06 | $549 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.63<br> %<br>| to | 9.63<br> %<br>|
| 2023 | 144 | $3.70 | to | $3.70 | $535 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.67<br> %<br>| to | 9.67<br> %<br>|
| 2022 | 133 | $3.37 | to | $3.37 | $447 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (3.00)%<br>| to | (3.00)%<br>|
| 2021 | 128 | $3.48 | to | $3.48 | $446 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 31.55<br> %<br>| to | 31.55<br> %<br>|
| **CTIVP Vty Sycamore Estb Val, Cl 3** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 307 | $1.35 | to | $4.52 | $1373 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 1.92<br> %<br>| to | 1.21<br> %<br>|
| 2024 | 222 | $1.32 | to | $4.47 | $1113 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.55<br> %<br>| to | 8.78<br> %<br>|
| 2023 | 271 | $1.21 | to | $4.11 | $1248 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.59<br> %<br>| to | 8.83<br> %<br>|
| 2022 | 256 | $1.10 | to | $3.78 | $1135 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.35 %<sup>(5)</sup><br>| to | (3.75)%<br>|
| 2021 | 273 | $2.76 | to | $3.92 | $1267 | —<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 31.35<br> %<br>| to | 30.57<br> %<br>|
| **CTIVP Wellington Lg Cap Val, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 426 | $2.05 | to | $2.05 | $873 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 19.92<br> %<br>| to | 19.92<br> %<br>|
| 2024 | 313 | $1.71 | to | $1.71 | $534 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.71<br> %<br>| to | 11.71<br> %<br>|
| 2023 | 136 | $1.53 | to | $1.53 | $208 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.04<br> %<br>| to | 8.04<br> %<br>|
| 2022 | 90 | $1.41 | to | $1.41 | $127 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (6.10)%<br>| to | (6.10)%<br>|
| 2021 | 43 | $1.51 | to | $1.51 | $64 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 25.43<br> %<br>| to | 25.43<br> %<br>|
| **CTIVP Wellington Lg Cap Val, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 91 | $3.95 | to | $3.95 | $358 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 19.61<br> %<br>| to | 19.61<br> %<br>|
| 2024 | 87 | $3.30 | to | $3.30 | $286 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.44<br> %<br>| to | 11.44<br> %<br>|
| 2023 | 85 | $2.96 | to | $2.96 | $252 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.77<br> %<br>| to | 7.77<br> %<br>|
| 2022 | 69 | $2.75 | to | $2.75 | $191 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (6.36)%<br>| to | (6.36)%<br>|
| 2021 | 67 | $2.94 | to | $2.94 | $196 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 25.11<br> %<br>| to | 25.11<br> %<br>|
| **CTIVP Westfield Mid Cap Gro, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 74 | $2.17 | to | $2.17 | $160 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.39<br> %<br>| to | 10.39<br> %<br>|
| 2024 | 61 | $1.97 | to | $1.97 | $121 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 17.49<br> %<br>| to | 17.49<br> %<br>|
| 2023 | 49 | $1.68 | to | $1.68 | $82 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 25.48<br> %<br>| to | 25.48<br> %<br>|

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**177 ■ RiverSource of New York Account 8**

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| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** |
|  | **Units (000s)** | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Net assets** <br> **(000s)**<br>| **Investment** <br> **income ratio**<sup>(2)</sup><br>| **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> |
| 2022 | 38 | $1.34 | to | $1.34 | $50 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (25.60)%<br>| to | (25.60)%<br>|
| 2021 | 8 | $1.80 | to | $1.80 | $14 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 16.72<br> %<br>| to | 16.72<br> %<br>|
| **CTIVP Westfield Mid Cap Gro, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 16 | $4.16 | to | $4.16 | $67 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.12<br> %<br>| to | 10.12<br> %<br>|
| 2024 | 24 | $3.78 | to | $3.78 | $90 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 17.19<br> %<br>| to | 17.19<br> %<br>|
| 2023 | 22 | $3.23 | to | $3.23 | $70 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 25.17<br> %<br>| to | 25.17<br> %<br>|
| 2022 | 21 | $2.58 | to | $2.58 | $55 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (25.79)%<br>| to | (25.79)%<br>|
| 2021 | 23 | $3.47 | to | $3.47 | $81 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 16.41<br> %<br>| to | 16.41<br> %<br>|
| **CTIVP Westfield Sel Lg Cp Gr, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 124 | $2.17 | to | $2.17 | $270 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 17.27<br> %<br>| to | 17.27<br> %<br>|
| 2024 | 117 | $1.85 | to | $1.85 | $215 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 27.50<br> %<br>| to | 27.50<br> %<br>|
| 2023 | 104 | $1.45 | to | $1.45 | $151 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 31.00<br> %<br>| to | 31.00<br> %<br>|
| 2022 | 85 | $1.11 | to | $1.11 | $94 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (41.07)%<br>| to | (41.07)%<br>|
| 2021 | 16 | $1.88 | to | $1.88 | $31 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (4.11)%<br>| to | (4.11)%<br>|
| **CTIVP Westfield Sel Lg Cp Gr, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 16 | $4.99 | to | $4.99 | $79 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 16.98<br> %<br>| to | 16.98<br> %<br>|
| 2024 | 16 | $4.27 | to | $4.27 | $67 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 27.15<br> %<br>| to | 27.15<br> %<br>|
| 2023 | 21 | $3.35 | to | $3.35 | $71 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 30.62<br> %<br>| to | 30.62<br> %<br>|
| 2022 | 20 | $2.57 | to | $2.57 | $51 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (41.21)%<br>| to | (41.21)%<br>|
| 2021 | 21 | $4.37 | to | $4.37 | $90 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (4.35)%<br>| to | (4.35)%<br>|
| **CVT EAFE Intl Index, Cl F** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 12 | $1.55 | to | $1.55 | $19 | 2.48<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 30.64<br> %<br>| to | 30.64<br> %<br>|
| 2024 | 15 | $1.19 | to | $1.19 | $18 | 2.91<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 2.95<br> %<br>| to | 2.95<br> %<br>|
| 2023 | 1 | $1.15 | to | $1.15 | $2 | 3.12<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 17.53<br> %<br>| to | 17.53<br> %<br>|
| 2022 |  | $0.98 | to | $0.98 | $0 | 5.68<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (1.64 )%<sup>(7)</sup><br>| to | (1.64 )%<sup>(7)</sup><br>|
| **CVT EAFE Intl Index, Cl I** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 310 | $1.56 | to | $1.56 | $484 | 2.66<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 30.90<br> %<br>| to | 30.90<br> %<br>|
| 2024 | 142 | $1.19 | to | $1.19 | $169 | 3.17<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 3.14<br> %<br>| to | 3.14<br> %<br>|
| 2023 | 88 | $1.16 | to | $1.16 | $102 | 3.20<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 17.77<br> %<br>| to | 17.77<br> %<br>|
| 2022 | 38 | $0.98 | to | $0.98 | $38 | 5.16<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (1.51 )%<sup>(7)</sup><br>| to | (1.51 )%<sup>(7)</sup><br>|
| **CVT Nasdaq 100 Index, Cl F** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 50 | $1.97 | to | $1.97 | $100 | 0.30<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 20.10<br> %<br>| to | 20.10<br> %<br>|
| 2024 | 40 | $1.64 | to | $1.64 | $66 | 0.39<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 24.89<br> %<br>| to | 24.89<br> %<br>|
| 2023 | 15 | $1.31 | to | $1.31 | $19 | 0.57<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 54.02<br> %<br>| to | 54.02<br> %<br>|
| 2022 |  | $0.85 | to | $0.85 | $0 | 0.31<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (16.12 )%<sup>(7)</sup><br>| to | (16.12 )%<sup>(7)</sup><br>|
| **CVT Nasdaq 100 Index, Cl I** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 350 | $1.99 | to | $1.99 | $695 | 0.30<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 20.39<br> %<br>| to | 20.39<br> %<br>|
| 2024 | 218 | $1.65 | to | $1.65 | $361 | 0.42<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 25.21<br> %<br>| to | 25.21<br> %<br>|
| 2023 | 83 | $1.32 | to | $1.32 | $109 | 0.46<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 54.40<br> %<br>| to | 54.40<br> %<br>|
| 2022 | 6 | $0.85 | to | $0.85 | $5 | 0.42<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (15.98 )%<sup>(7)</sup><br>| to | (15.98 )%<sup>(7)</sup><br>|
| **CVT Russ 2000 Sm Cap Ind, Cl F** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 15 | $1.38 | to | $1.38 | $20 | 1.67<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.23<br> %<br>| to | 12.23<br> %<br>|
| 2024 | 14 | $1.23 | to | $1.23 | $17 | 1.48<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.00<br> %<br>| to | 11.00<br> %<br>|
| 2023 |  | $1.11 | to | $1.11 | $0 | 0.90<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 16.36<br> %<br>| to | 16.36<br> %<br>|
| 2022 |  | $0.95 | to | $0.95 | $0 | 1.32<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (5.66 )%<sup>(7)</sup><br>| to | (5.66 )%<sup>(7)</sup><br>|
| **CVT Russ 2000 Sm Cap Ind, Cl I** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 190 | $1.39 | to | $1.39 | $264 | 1.54<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.45<br> %<br>| to | 12.45<br> %<br>|
| 2024 | 70 | $1.24 | to | $1.24 | $87 | 1.57<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.23<br> %<br>| to | 11.23<br> %<br>|
| 2023 | 20 | $1.11 | to | $1.11 | $22 | 1.44<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 16.60<br> %<br>| to | 16.60<br> %<br>|
| 2022 |  | $0.95 | to | $0.95 | $0 | 1.31<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (5.55 )%<sup>(7)</sup><br>| to | (5.55 )%<sup>(7)</sup><br>|
| **DWS Alt Asset Alloc VIP, Cl A** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 175 | $1.46 | to | $1.46 | $257 | 3.76<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.50<br> %<br>| to | 10.50<br> %<br>|
| 2024 | 102 | $1.33 | to | $1.33 | $135 | 2.36<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.64<br> %<br>| to | 5.64<br> %<br>|
| 2023 | 22 | $1.25 | to | $1.25 | $27 | 5.79<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.19<br> %<br>| to | 6.19<br> %<br>|

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**RiverSource of New York Account 8** ■ 178

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| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** |
|  | **Units (000s)** | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Net assets** <br> **(000s)**<br>| **Investment** <br> **income ratio**<sup>(2)</sup><br>| **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> |
| 2022 | 10 | $1.18 | to | $1.18 | $12 | 3.95<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (7.42)%<br>| to | (7.42)%<br>|
| 2021 | 1 | $1.28 | to | $1.28 | $2 | 1.99<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.74<br> %<br>| to | 12.74<br> %<br>|
| **DWS Alt Asset Alloc VIP, Cl B** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 274 | $1.52 | to | $1.29 | $398 | 3.46<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.03<br> %<br>| to | 9.05<br> %<br>|
| 2024 | 228 | $1.38 | to | $1.18 | $308 | 3.18<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.30<br> %<br>| to | 4.35<br> %<br>|
| 2023 | 202 | $1.31 | to | $1.13 | $261 | 6.38<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.67<br> %<br>| to | 4.73<br> %<br>|
| 2022 | 207 | $1.24 | to | $1.08 | $252 | 6.92<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (7.74)%<br>| to | (8.57)%<br>|
| 2021 | 202 | $1.35 | to | $1.18 | $265 | 1.64<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.35<br> %<br>| to | 11.34<br> %<br>|
| **EV VT Floating-Rate Inc, Init Cl** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 782 | $1.26 | to | $1.68 | $1282 | 6.74<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 3.76<br> %<br>| to | 3.04<br> %<br>|
| 2024 | 889 | $1.21 | to | $1.63 | $1456 | 7.78<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.42<br> %<br>| to | 6.67<br> %<br>|
| 2023 | 883 | $1.13 | to | $1.53 | $1426 | 8.20<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.99<br> %<br>| to | 10.22<br> %<br>|
| 2022 | 889 | $1.02 | to | $1.39 | $1301 | 4.64<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 1.54 %<sup>(5)</sup><br>| to | (3.61)%<br>|
| 2021 | 827 | $1.25 | to | $1.44 | $1253 | 2.90<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 3.32<br> %<br>| to | 2.70<br> %<br>|
| **EV VT Floating-Rate Inc, Inst Cl** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025<sup>(8)</sup> <br>| 4 | $1.13 | to | $1.13 | $7 | 7.24<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.52<br> %<br>| to | 4.52<br> %<br>|
| 2024<sup>(8)</sup> <br>| 4 | $1.08 | to | $1.08 | $6 | 8.21<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.99 %<sup>(6)</sup><br>| to | 7.99 %<sup>(6)</sup><br>|
| **Fid VIP Contrafund, Init Cl** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 1020 | $3.11 | to | $3.11 | $3175 | 0.16<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 21.48<br> %<br>| to | 21.48<br> %<br>|
| 2024 | 785 | $2.56 | to | $2.56 | $2012 | 0.23<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 33.79<br> %<br>| to | 33.79<br> %<br>|
| 2023 | 367 | $1.92 | to | $1.92 | $703 | 0.53<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 33.45<br> %<br>| to | 33.45<br> %<br>|
| 2022 | 285 | $1.44 | to | $1.44 | $409 | 0.74<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (26.31)%<br>| to | (26.31)%<br>|
| 2021 | 151 | $1.95 | to | $1.95 | $295 | 0.04<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 27.83<br> %<br>| to | 27.83<br> %<br>|
| **Fid VIP Contrafund, Serv Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 1608 | $6.13 | to | $5.84 | $9874 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 21.19<br> %<br>| to | 20.11<br> %<br>|
| 2024 | 1385 | $5.06 | to | $4.86 | $7880 | 0.03<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 33.45<br> %<br>| to | 32.25<br> %<br>|
| 2023 | 1340 | $3.79 | to | $3.68 | $5897 | 0.26<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 33.12<br> %<br>| to | 31.93<br> %<br>|
| 2022 | 1450 | $2.85 | to | $2.79 | $4762 | 0.26<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (26.49)%<br>| to | (27.14)%<br>|
| 2021 | 1514 | $3.87 | to | $3.83 | $6736 | 0.03<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 27.51<br> %<br>| to | 26.37<br> %<br>|
| **Fid VIP Emer Mkts, Init Cl** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 36 | $1.60 | to | $1.60 | $58 | 2.61<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 41.21<br> %<br>| to | 41.21<br> %<br>|
| 2024 | 3 | $1.13 | to | $1.13 | $3 | 2.69<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 16.19 %<sup>(6)</sup><br>| to | 16.19 %<sup>(6)</sup><br>|
| **Fid VIP Energy, Init Cl** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 2 | $1.17 | to | $1.17 | $3 | 2.75<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.59<br> %<br>| to | 10.59<br> %<br>|
| 2024 | 1 | $1.06 | to | $1.06 | $1 | 4.44<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.33 %<sup>(6)</sup><br>| to | 8.33 %<sup>(6)</sup><br>|
| **Fid VIP Gro & Inc, Serv Cl** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 813 | $9.28 | to | $5.66 | $5969 | 1.47<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 20.84<br> %<br>| to | 20.30<br> %<br>|
| 2024 | 855 | $7.68 | to | $4.71 | $5240 | 1.37<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 21.58<br> %<br>| to | 21.04<br> %<br>|
| 2023 | 906 | $6.32 | to | $3.89 | $4579 | 1.56<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 18.05<br> %<br>| to | 17.52<br> %<br>|
| 2022 | 1035 | $5.35 | to | $3.31 | $4385 | 1.57<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (5.45)%<br>| to | (5.87)%<br>|
| 2021 | 1114 | $5.66 | to | $3.52 | $4961 | 2.34<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 25.20<br> %<br>| to | 24.64<br> %<br>|
| **Fid VIP Gro & Inc, Serv Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 913 | $1.90 | to | $6.50 | $3026 | 1.40<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 20.97<br> %<br>| to | 20.12<br> %<br>|
| 2024 | 853 | $1.57 | to | $5.41 | $2453 | 1.23<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 21.71<br> %<br>| to | 20.85<br> %<br>|
| 2023 | 866 | $1.29 | to | $4.48 | $2266 | 1.51<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 18.13<br> %<br>| to | 17.32<br> %<br>|
| 2022 | 875 | $1.09 | to | $3.82 | $1993 | 1.52<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.16 %<sup>(5)</sup><br>| to | (6.02)%<br>|
| 2021 | 876 | $2.43 | to | $4.06 | $2112 | 2.23<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 25.26<br> %<br>| to | 24.51<br> %<br>|
| **Fid VIP Gro Opp, Init Cl** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 57 | $1.69 | to | $1.69 | $95 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 21.95<br> %<br>| to | 21.95<br> %<br>|
| 2024 | 71 | $1.38 | to | $1.38 | $99 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 38.63 %<sup>(6)</sup><br>| to | 38.63 %<sup>(6)</sup><br>|
| **Fid VIP Invest Gr, Init Cl** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 50 | $1.09 | to | $1.09 | $55 | 3.73<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.22<br> %<br>| to | 7.22<br> %<br>|
| 2024 | 36 | $1.02 | to | $1.02 | $37 | 7.08<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 2.61 %<sup>(6)</sup><br>| to | 2.61 %<sup>(6)</sup><br>|

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**179 ■ RiverSource of New York Account 8**

------

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** |
|  | **Units (000s)** | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Net assets** <br> **(000s)**<br>| **Investment** <br> **income ratio**<sup>(2)</sup><br>| **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> |
| **Fid VIP Mid Cap, Init Cl** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 703 | $2.04 | to | $2.04 | $1435 | 0.50<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.75<br> %<br>| to | 11.75<br> %<br>|
| 2024 | 476 | $1.83 | to | $1.83 | $870 | 0.70<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 17.49<br> %<br>| to | 17.49<br> %<br>|
| 2023 | 279 | $1.55 | to | $1.55 | $434 | 0.64<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.08<br> %<br>| to | 15.08<br> %<br>|
| 2022 | 242 | $1.35 | to | $1.35 | $327 | 0.71<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (14.74)%<br>| to | (14.74)%<br>|
| 2021 | 119 | $1.58 | to | $1.58 | $189 | 0.79<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 25.60<br> %<br>| to | 25.60<br> %<br>|
| **Fid VIP Mid Cap, Serv Cl** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 862 | $6.97 | to | $8.23 | $6494 | 0.37<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.16<br> %<br>| to | 10.66<br> %<br>|
| 2024 | 916 | $6.27 | to | $7.44 | $6223 | 0.47<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 16.82<br> %<br>| to | 16.30<br> %<br>|
| 2023 | 974 | $5.37 | to | $6.40 | $5693 | 0.51<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.49<br> %<br>| to | 13.98<br> %<br>|
| 2022 | 1062 | $4.69 | to | $5.61 | $5429 | 0.40<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (15.24)%<br>| to | (15.62)%<br>|
| 2021 | 1134 | $5.53 | to | $6.65 | $6880 | 0.51<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 24.94<br> %<br>| to | 24.38<br> %<br>|
| **Fid VIP Mid Cap, Serv Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 2292 | $3.82 | to | $7.76 | $6358 | 0.25<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.49<br> %<br>| to | 10.49<br> %<br>|
| 2024 | 2223 | $3.43 | to | $7.02 | $5802 | 0.34<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 17.18<br> %<br>| to | 16.12<br> %<br>|
| 2023 | 2434 | $2.92 | to | $6.05 | $5572 | 0.38<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.80<br> %<br>| to | 13.78<br> %<br>|
| 2022 | 2546 | $2.55 | to | $5.31 | $5126 | 0.27<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (14.97)%<br>| to | (15.73)%<br>|
| 2021 | 2636 | $3.00 | to | $6.30 | $6271 | 0.37<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 25.31<br> %<br>| to | 24.18<br> %<br>|
| **Fid VIP Overseas, Serv Cl** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 580 | $3.97 | to | $2.72 | $1856 | 1.56<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 19.74<br> %<br>| to | 19.20<br> %<br>|
| 2024 | 596 | $3.31 | to | $2.28 | $1589 | 1.60<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.48<br> %<br>| to | 4.01<br> %<br>|
| 2023 | 570 | $3.17 | to | $2.19 | $1471 | 0.94<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 19.87<br> %<br>| to | 19.33<br> %<br>|
| 2022 | 605 | $2.65 | to | $1.84 | $1301 | 0.95<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (24.92)%<br>| to | (25.26)%<br>|
| 2021 | 644 | $3.52 | to | $2.46 | $1833 | 0.44<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 19.04<br> %<br>| to | 18.50<br> %<br>|
| **Fid VIP Overseas, Serv Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 658 | $1.72 | to | $3.77 | $1389 | 1.40<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 19.81<br> %<br>| to | 18.97<br> %<br>|
| 2024 | 693 | $1.43 | to | $3.17 | $1237 | 1.37<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.60<br> %<br>| to | 3.86<br> %<br>|
| 2023 | 708 | $1.37 | to | $3.05 | $1224 | 0.83<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 19.98<br> %<br>| to | 19.15<br> %<br>|
| 2022 | 682 | $1.14 | to | $2.56 | $984 | 0.86<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.16 %<sup>(5)</sup><br>| to | (25.36)%<br>|
| 2021 | 682 | $1.94 | to | $3.43 | $1312 | 0.34<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 19.03<br> %<br>| to | 18.32<br> %<br>|
| **Fid VIP Strategic Inc, Init Cl** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 425 | $1.33 | to | $1.33 | $566 | 4.02<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.85<br> %<br>| to | 8.85<br> %<br>|
| 2024 | 492 | $1.22 | to | $1.22 | $602 | 4.52<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.08<br> %<br>| to | 6.08<br> %<br>|
| 2023 | 312 | $1.15 | to | $1.15 | $359 | 5.34<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.41<br> %<br>| to | 9.41<br> %<br>|
| 2022 | 178 | $1.05 | to | $1.05 | $188 | 4.92<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (11.26)%<br>| to | (11.26)%<br>|
| 2021 | 97 | $1.19 | to | $1.19 | $115 | 5.17<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 3.74<br> %<br>| to | 3.74<br> %<br>|
| **Fid VIP Strategic Inc, Serv Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 43 | $1.58 | to | $1.58 | $67 | 4.28<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.58<br> %<br>| to | 8.58<br> %<br>|
| 2024 | 16 | $1.45 | to | $1.45 | $23 | 3.33<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.78<br> %<br>| to | 5.78<br> %<br>|
| 2023 | 17 | $1.37 | to | $1.37 | $23 | 4.57<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.18<br> %<br>| to | 9.18<br> %<br>|
| 2022 | 15 | $1.26 | to | $1.26 | $19 | 1.96<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (11.52)%<br>| to | (11.52)%<br>|
| 2021 | 27 | $1.42 | to | $1.42 | $38 | 2.59<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 3.53<br> %<br>| to | 3.53<br> %<br>|
| **Frank Global Real Est, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 853 | $1.30 | to | $2.93 | $1845 | 1.40<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.71<br> %<br>| to | 6.96<br> %<br>|
| 2024 | 836 | $1.21 | to | $2.74 | $1802 | 1.85<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (0.52)%<br>| to | (1.22)%<br>|
| 2023 | 890 | $1.21 | to | $2.77 | $2039 | 2.92<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.21<br> %<br>| to | 10.44<br> %<br>|
| 2022 | 920 | $1.09 | to | $2.51 | $1957 | 2.39<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.23 %<sup>(5)</sup><br>| to | (26.72)%<br>|
| 2021 | 940 | $1.72 | to | $3.43 | $2744 | 0.89<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 26.41<br> %<br>| to | 25.66<br> %<br>|
| **Frank Inc, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 78 | $1.59 | to | $1.59 | $124 | 4.76<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.88<br> %<br>| to | 12.88<br> %<br>|
| 2024 | 43 | $1.41 | to | $1.41 | $61 | 5.08<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.46<br> %<br>| to | 7.46<br> %<br>|
| 2023 | 36 | $1.31 | to | $1.31 | $47 | 5.34<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.87<br> %<br>| to | 8.87<br> %<br>|
| 2022 | 8 | $1.21 | to | $1.21 | $9 | 3.30<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (5.24)%<br>| to | (5.24)%<br>|
| 2021 | 2 | $1.27 | to | $1.27 | $3 | 0.60<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 17.01<br> %<br>| to | 17.01<br> %<br>|

---

**RiverSource of New York Account 8** ■ 180

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| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** |
|  | **Units (000s)** | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Net assets** <br> **(000s)**<br>| **Investment** <br> **income ratio**<sup>(2)</sup><br>| **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> |
| **Frank Inc, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 295 | $2.07 | to | $1.63 | $510 | 5.10<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.56<br> %<br>| to | 11.55<br> %<br>|
| 2024 | 313 | $1.84 | to | $1.46 | $478 | 5.29<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.20<br> %<br>| to | 6.24<br> %<br>|
| 2023 | 310 | $1.71 | to | $1.38 | $446 | 5.15<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.62<br> %<br>| to | 7.65<br> %<br>|
| 2022 | 284 | $1.58 | to | $1.28 | $375 | 4.85<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (5.47)%<br>| to | (6.32)%<br>|
| 2021 | 254 | $1.67 | to | $1.37 | $361 | 4.67<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 16.75<br> %<br>| to | 15.71<br> %<br>|
| **Frank Mutual Shares, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 23 | $1.66 | to | $1.66 | $38 | 2.41<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.81<br> %<br>| to | 11.81<br> %<br>|
| 2024 | 21 | $1.49 | to | $1.49 | $31 | 2.34<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.50<br> %<br>| to | 11.50<br> %<br>|
| 2023 | 19 | $1.34 | to | $1.34 | $25 | 2.04<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.73<br> %<br>| to | 13.73<br> %<br>|
| 2022 | 15 | $1.17 | to | $1.17 | $18 | 2.59<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (7.15)%<br>| to | (7.15)%<br>|
| 2021 | 12 | $1.26 | to | $1.26 | $15 | 3.03<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 19.52<br> %<br>| to | 19.52<br> %<br>|
| **Frank Mutual Shares, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 687 | $2.69 | to | $3.76 | $1958 | 2.07<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.52<br> %<br>| to | 10.52<br> %<br>|
| 2024 | 577 | $2.41 | to | $3.40 | $1752 | 1.98<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.27<br> %<br>| to | 10.27<br> %<br>|
| 2023 | 593 | $2.17 | to | $3.08 | $1693 | 1.84<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.46<br> %<br>| to | 12.45<br> %<br>|
| 2022 | 679 | $1.91 | to | $2.74 | $1662 | 1.86<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (7.43)%<br>| to | (8.26)%<br>|
| 2021 | 690 | $2.06 | to | $2.99 | $1850 | 2.89<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 19.17<br> %<br>| to | 18.10<br> %<br>|
| **Frank Sm Cap Val, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 208 | $1.79 | to | $1.79 | $373 | 1.21<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.90<br> %<br>| to | 7.90<br> %<br>|
| 2024 | 149 | $1.66 | to | $1.66 | $247 | 1.10<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.01<br> %<br>| to | 12.01<br> %<br>|
| 2023 | 143 | $1.48 | to | $1.48 | $212 | 0.72<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.02<br> %<br>| to | 13.02<br> %<br>|
| 2022 | 82 | $1.31 | to | $1.31 | $108 | 1.20<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (9.82)%<br>| to | (9.82)%<br>|
| 2021 | 33 | $1.45 | to | $1.45 | $47 | 1.10<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 25.67<br> %<br>| to | 25.67<br> %<br>|
| **Frank Sm Cap Val, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 796 | $3.44 | to | $7.40 | $3063 | 1.08<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.65<br> %<br>| to | 6.69<br> %<br>|
| 2024 | 708 | $3.19 | to | $6.93 | $2972 | 0.93<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.71<br> %<br>| to | 10.70<br> %<br>|
| 2023 | 679 | $2.86 | to | $6.26 | $2856 | 0.52<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.75<br> %<br>| to | 11.74<br> %<br>|
| 2022 | 661 | $2.54 | to | $5.60 | $2614 | 0.98<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (10.06)%<br>| to | (10.87)%<br>|
| 2021 | 692 | $2.82 | to | $6.29 | $3092 | 1.00<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 25.37<br> %<br>| to | 24.24<br> %<br>|
| **GS VIT Mid Cap Val, Inst** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 1479 | $1.47 | to | $8.30 | $6523 | 1.19<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.18<br> %<br>| to | 8.41<br> %<br>|
| 2024 | 1354 | $1.34 | to | $7.66 | $6331 | 1.00<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.17<br> %<br>| to | 11.39<br> %<br>|
| 2023 | 1275 | $1.20 | to | $6.87 | $6093 | 1.01<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.20<br> %<br>| to | 10.42<br> %<br>|
| 2022 | 1381 | $1.08 | to | $6.23 | $5910 | 0.68<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.14 %<sup>(5)</sup><br>| to | (10.79)%<br>|
| 2021 | 1440 | $2.27 | to | $6.98 | $6993 | 0.48<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 30.56<br> %<br>| to | 29.78<br> %<br>|
| **GS VIT Sm Cap Eq Insights, Inst** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 60 | $7.88 | to | $5.88 | $437 | 0.74<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.62<br> %<br>| to | 15.10<br> %<br>|
| 2024 | 73 | $6.82 | to | $5.11 | $446 | 0.72<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 18.51<br> %<br>| to | 17.98<br> %<br>|
| 2023 | 110 | $5.75 | to | $4.33 | $552 | 1.04<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 18.74<br> %<br>| to | 18.21<br> %<br>|
| 2022 | 111 | $4.85 | to | $3.67 | $467 | 0.32<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (19.74)%<br>| to | (20.10)%<br>|
| 2021 | 114 | $6.04 | to | $4.59 | $602 | 0.46<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 23.23<br> %<br>| to | 22.68<br> %<br>|
| **GS VIT U.S. Eq Insights, Inst** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 584 | $1.91 | to | $5.46 | $3309 | 0.70<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.52<br> %<br>| to | 14.71<br> %<br>|
| 2024 | 537 | $1.66 | to | $4.76 | $3151 | 0.62<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 28.07<br> %<br>| to | 27.17<br> %<br>|
| 2023 | 630 | $1.29 | to | $3.75 | $2924 | 0.70<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 23.57<br> %<br>| to | 22.70<br> %<br>|
| 2022 | 594 | $1.05 | to | $3.05 | $2456 | 0.82<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.39 %<sup>(5)</sup><br>| to | (20.46)%<br>|
| 2021 | 632 | $3.08 | to | $3.84 | $3232 | 0.81<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 29.02<br> %<br>| to | 28.25<br> %<br>|
| **Invesco VI Am Fran, Ser I** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 139 | $5.85 | to | $5.50 | $786 | —<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.16<br> %<br>| to | 10.66<br> %<br>|
| 2024 | 151 | $5.26 | to | $4.97 | $773 | —<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 34.28<br> %<br>| to | 33.67<br> %<br>|
| 2023 | 164 | $3.92 | to | $3.72 | $629 | —<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 40.30<br> %<br>| to | 39.67<br> %<br>|
| 2022 | 183 | $2.79 | to | $2.66 | $502 | —<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (31.42)%<br>| to | (31.73)%<br>|
| 2021 | 194 | $4.07 | to | $3.90 | $777 | —<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.42<br> %<br>| to | 10.92<br> %<br>|

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**181 ■ RiverSource of New York Account 8**

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| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** |
|  | **Units (000s)** | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Net assets** <br> **(000s)**<br>| **Investment** <br> **income ratio**<sup>(2)</sup><br>| **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> |
| **Invesco VI Am Fran, Ser II** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 288 | $2.11 | to | $5.32 | $1264 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.16<br> %<br>| to | 10.39<br> %<br>|
| 2024 | 286 | $1.89 | to | $4.82 | $1175 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 34.29<br> %<br>| to | 33.35<br> %<br>|
| 2023 | 319 | $1.41 | to | $3.61 | $995 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 40.32<br> %<br>| to | 39.34<br> %<br>|
| 2022 | 309 | $1.01 | to | $2.59 | $729 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 1.87 %<sup>(5)</sup><br>| to | (31.91)%<br>|
| 2021 | 306 | $3.48 | to | $3.81 | $1053 | —<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.31<br> %<br>| to | 10.65<br> %<br>|
| **Invesco VI Bal Risk Alloc, Ser I** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 34 | $1.35 | to | $1.35 | $46 | 7.51<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.01<br> %<br>| to | 9.01<br> %<br>|
| 2024 | 29 | $1.24 | to | $1.24 | $36 | 6.37<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 3.88<br> %<br>| to | 3.88<br> %<br>|
| 2023 | 25 | $1.19 | to | $1.19 | $29 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.63<br> %<br>| to | 6.63<br> %<br>|
| 2022 | 18 | $1.12 | to | $1.12 | $20 | 8.24<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (14.35)%<br>| to | (14.35)%<br>|
| 2021 | 14 | $1.30 | to | $1.30 | $19 | 3.60<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.55<br> %<br>| to | 9.55<br> %<br>|
| **Invesco VI Bal Risk Alloc, Ser II** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 212 | $1.64 | to | $1.40 | $319 | 7.00<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.69<br> %<br>| to | 7.72<br> %<br>|
| 2024 | 201 | $1.51 | to | $1.30 | $280 | 6.08<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 3.56<br> %<br>| to | 2.63<br> %<br>|
| 2023 | 189 | $1.45 | to | $1.27 | $253 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.40<br> %<br>| to | 5.45<br> %<br>|
| 2022 | 202 | $1.37 | to | $1.20 | $253 | 7.29<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (14.52)%<br>| to | (15.28)%<br>|
| 2021 | 219 | $1.60 | to | $1.42 | $322 | 3.01<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.26<br> %<br>| to | 8.28<br> %<br>|
| **Invesco VI Comstock, Ser II** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 152 | $1.66 | to | $3.61 | $622 | 1.47<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 16.91<br> %<br>| to | 16.09<br> %<br>|
| 2024 | 136 | $1.42 | to | $3.11 | $533 | 1.70<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.64<br> %<br>| to | 13.83<br> %<br>|
| 2023 | 113 | $1.24 | to | $2.73 | $391 | 1.59<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.87<br> %<br>| to | 11.09<br> %<br>|
| 2022 | 124 | $1.11 | to | $2.46 | $400 | 1.28<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.38 %<sup>(5)</sup><br>| to | (0.06)%<br>|
| 2021 | 135 | $2.14 | to | $2.46 | $441 | 1.75<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 32.65<br> %<br>| to | 31.85<br> %<br>|
| **Invesco VI Core Eq, Ser I** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 1706 | $6.40 | to | $7.44 | $12480 | 0.65<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.65<br> %<br>| to | 15.13<br> %<br>|
| 2024 | 1889 | $5.54 | to | $6.47 | $11978 | 0.69<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 25.04<br> %<br>| to | 24.48<br> %<br>|
| 2023 | 2031 | $4.43 | to | $5.19 | $10346 | 0.74<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 22.81<br> %<br>| to | 22.26<br> %<br>|
| 2022 | 2133 | $3.60 | to | $4.25 | $8886 | 0.91<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (20.90)%<br>| to | (21.26)%<br>|
| 2021 | 2248 | $4.56 | to | $5.40 | $11888 | 0.66<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 27.17<br> %<br>| to | 26.59<br> %<br>|
| **Invesco VI Dis Mid Cap Gro, Ser I** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 574 | $1.46 | to | $1.74 | $1010 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.58<br> %<br>| to | 3.85<br> %<br>|
| 2024 | 572 | $1.40 | to | $1.68 | $976 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 23.98<br> %<br>| to | 23.11<br> %<br>|
| 2023 | 637 | $1.13 | to | $1.36 | $881 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.93<br> %<br>| to | 12.14<br> %<br>|
| 2022 | 568 | $1.00 | to | $1.22 | $698 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 1.14 %<sup>(5)</sup><br>| to | (31.60)%<br>|
| 2021 | 647 | $1.80 | to | $1.78 | $1157 | —<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 18.74<br> %<br>| to | 18.03<br> %<br>|
| **Invesco VI Div Divd, Ser I** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 311 | $1.55 | to | $3.49 | $1077 | 1.64<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.51<br> %<br>| to | 14.70<br> %<br>|
| 2024 | 376 | $1.35 | to | $3.05 | $1107 | 1.76<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.99<br> %<br>| to | 12.20<br> %<br>|
| 2023 | 449 | $1.19 | to | $2.71 | $1167 | 2.07<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.82<br> %<br>| to | 8.07<br> %<br>|
| 2022 | 444 | $1.09 | to | $2.51 | $1101 | 1.94<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.06 %<sup>(5)</sup><br>| to | (2.56)%<br>|
| 2021 | 473 | $2.05 | to | $2.58 | $1171 | 2.15<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 18.54<br> %<br>| to | 17.83<br> %<br>|
| **Invesco VI EQV Intl Eq, Ser II** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 397 | $1.52 | to | $1.76 | $1009 | 1.09<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 16.00<br> %<br>| to | 15.19<br> %<br>|
| 2024 | 464 | $1.31 | to | $1.53 | $1066 | 1.52<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 0.14<br> %<br>| to | (0.56)%<br>|
| 2023 | 477 | $1.31 | to | $1.54 | $1110 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 17.63<br> %<br>| to | 16.81<br> %<br>|
| 2022 | 501 | $1.11 | to | $1.32 | $989 | 1.44<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.44 %<sup>(5)</sup><br>| to | (19.23)%<br>|
| 2021 | 521 | $1.68 | to | $1.63 | $1253 | 1.05<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.29<br> %<br>| to | 4.66<br> %<br>|
| **Invesco VI Gbl Strat Inc, Ser I** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 49 | $1.19 | to | $1.19 | $59 | 6.30<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.98<br> %<br>| to | 12.98<br> %<br>|
| 2024 | 42 | $1.05 | to | $1.05 | $45 | 3.56<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 3.16<br> %<br>| to | 3.16<br> %<br>|
| 2023 | 30 | $1.02 | to | $1.02 | $31 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.88<br> %<br>| to | 8.88<br> %<br>|
| 2022 | 18 | $0.94 | to | $0.94 | $17 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (11.46)%<br>| to | (11.46)%<br>|
| 2021 | 5 | $1.06 | to | $1.06 | $5 | 6.56<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (3.41)%<br>| to | (3.41)%<br>|

---

**RiverSource of New York Account 8** ■ 182

------

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| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** |
|  | **Units (000s)** | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Net assets** <br> **(000s)**<br>| **Investment** <br> **income ratio**<sup>(2)</sup><br>| **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> |
| **Invesco VI Gbl Strat Inc, Ser II** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 1023 | $1.33 | to | $1.67 | $1669 | 5.47<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.75<br> %<br>| to | 11.74<br> %<br>|
| 2024 | 949 | $1.18 | to | $1.49 | $1441 | 2.64<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 2.79<br> %<br>| to | 1.86<br> %<br>|
| 2023 | 1128 | $1.14 | to | $1.46 | $1625 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.60<br> %<br>| to | 7.63<br> %<br>|
| 2022 | 1140 | $1.05 | to | $1.36 | $1533 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (11.71)%<br>| to | (12.51)%<br>|
| 2021 | 1155 | $1.19 | to | $1.55 | $1772 | 4.30<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (3.56)%<br>| to | (4.43)%<br>|
| **Invesco VI Global, Ser I** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 373 | $2.09 | to | $2.09 | $780 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.32<br> %<br>| to | 15.32<br> %<br>|
| 2024 | 316 | $1.82 | to | $1.82 | $574 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 16.07<br> %<br>| to | 16.07<br> %<br>|
| 2023 | 319 | $1.56 | to | $1.56 | $499 | 0.28<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 34.74<br> %<br>| to | 34.74<br> %<br>|
| 2022 | 160 | $1.16 | to | $1.16 | $185 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (31.76)%<br>| to | (31.76)%<br>|
| 2021 | 47 | $1.70 | to | $1.70 | $80 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.49<br> %<br>| to | 15.49<br> %<br>|
| **Invesco VI Global, Ser II** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 421 | $3.89 | to | $3.77 | $1901 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.01<br> %<br>| to | 13.98<br> %<br>|
| 2024 | 409 | $3.39 | to | $3.31 | $1723 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.78<br> %<br>| to | 14.74<br> %<br>|
| 2023 | 513 | $2.92 | to | $2.89 | $1823 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 34.45<br> %<br>| to | 33.25<br> %<br>|
| 2022 | 520 | $2.17 | to | $2.17 | $1384 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (31.94)%<br>| to | (32.55)%<br>|
| 2021 | 550 | $3.20 | to | $3.21 | $2195 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.17<br> %<br>| to | 14.14<br> %<br>|
| **Invesco VI Mn St Sm Cap, Ser I** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 339 | $1.93 | to | $1.93 | $653 | 0.49<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.70<br> %<br>| to | 8.70<br> %<br>|
| 2024 | 257 | $1.77 | to | $1.77 | $455 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.68<br> %<br>| to | 12.68<br> %<br>|
| 2023 | 161 | $1.57 | to | $1.57 | $253 | 1.24<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 18.13<br> %<br>| to | 18.13<br> %<br>|
| 2022 | 133 | $1.33 | to | $1.33 | $177 | 0.60<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (15.83)%<br>| to | (15.83)%<br>|
| 2021 | 82 | $1.58 | to | $1.58 | $130 | 0.47<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 22.55<br> %<br>| to | 22.55<br> %<br>|
| **Invesco VI Mn St Sm Cap, Ser II** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 510 | $4.06 | to | $3.92 | $2144 | 0.24<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.44<br> %<br>| to | 7.47<br> %<br>|
| 2024 | 508 | $3.75 | to | $3.65 | $1999 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.41<br> %<br>| to | 11.39<br> %<br>|
| 2023 | 497 | $3.33 | to | $3.28 | $1803 | 0.95<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 17.82<br> %<br>| to | 16.77<br> %<br>|
| 2022 | 490 | $2.83 | to | $2.81 | $1561 | 0.26<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (16.04)%<br>| to | (16.79)%<br>|
| 2021 | 508 | $3.37 | to | $3.37 | $1906 | 0.19<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 22.26<br> %<br>| to | 21.17<br> %<br>|
| **Invesco VI Tech, Ser I** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 446 | $1.92 | to | $8.83 | $2084 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 20.47<br> %<br>| to | 19.39<br> %<br>|
| 2024 | 380 | $1.60 | to | $7.39 | $1747 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 34.27<br> %<br>| to | 33.06<br> %<br>|
| 2023 | 304 | $1.19 | to | $5.56 | $1252 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 46.94<br> %<br>| to | 45.63<br> %<br>|
| 2022 | 207 | $0.81 | to | $3.82 | $782 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (20.38 )%<sup>(7)</sup><br>| to | (40.49)%<br>|
| 2021 | 185 | $3.87 | to | $6.41 | $1343 | —<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.07<br> %<br>| to | 13.39<br> %<br>|
| **Invesco VI Tech, Ser II** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 5 | $1.91 | to | $1.91 | $10 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 20.16<br> %<br>| to | 20.16<br> %<br>|
| 2024 | 5 | $1.59 | to | $1.59 | $9 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 33.85<br> %<br>| to | 33.85<br> %<br>|
| 2023 | 5 | $1.18 | to | $1.18 | $6 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 46.72<br> %<br>| to | 46.72<br> %<br>|
| 2022 |  | $0.81 | to | $0.81 | $0 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (20.54 )%<sup>(7)</sup><br>| to | (20.54 )%<sup>(7)</sup><br>|
| **Janus Hend VIT Gbl Tech Innov, Srv** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 329 | $2.56 | to | $6.79 | $3196 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 24.59<br> %<br>| to | 23.72<br> %<br>|
| 2024 | 291 | $2.05 | to | $5.49 | $2645 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 31.49<br> %<br>| to | 30.57<br> %<br>|
| 2023 | 312 | $1.56 | to | $4.21 | $2297 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 53.97<br> %<br>| to | 52.90<br> %<br>|
| 2022 | 326 | $1.01 | to | $2.75 | $1612 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 3.74 %<sup>(5)</sup><br>| to | (37.69)%<br>|
| 2021 | 359 | $5.42 | to | $4.41 | $2811 | 0.11<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 17.39<br> %<br>| to | 16.69<br> %<br>|
| **Janus Henderson VIT Bal, Inst** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 688 | $1.97 | to | $1.97 | $1354 | 2.08<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.10<br> %<br>| to | 15.10<br> %<br>|
| 2024 | 569 | $1.71 | to | $1.71 | $971 | 2.14<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.43<br> %<br>| to | 15.43<br> %<br>|
| 2023 | 498 | $1.48 | to | $1.48 | $737 | 2.24<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.41<br> %<br>| to | 15.41<br> %<br>|
| 2022 | 421 | $1.28 | to | $1.28 | $540 | 1.32<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (16.40)%<br>| to | (16.40)%<br>|
| 2021 | 355 | $1.53 | to | $1.53 | $544 | 0.92<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 17.20<br> %<br>| to | 17.20<br> %<br>|
| **Janus Henderson VIT Bal, Serv** |  |  |  |  |  |  |  |  |  |  |  |  |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**183 ■ RiverSource of New York Account 8**

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| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** |
|  | **Units (000s)** | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Net assets** <br> **(000s)**<br>| **Investment** <br> **income ratio**<sup>(2)</sup><br>| **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> |
| 2025 | 29 | $2.06 | to | $2.06 | $60 | 1.73<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.82<br> %<br>| to | 14.82<br> %<br>|
| 2024 | 28 | $1.80 | to | $1.80 | $51 | 1.61<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.15<br> %<br>| to | 15.15<br> %<br>|
| 2023 | 41 | $1.56 | to | $1.56 | $64 | 1.58<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.13<br> %<br>| to | 15.13<br> %<br>|
| 2022 | 55 | $1.36 | to | $1.36 | $75 | 1.17<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (16.62)%<br>| to | (16.62)%<br>|
| 2021 | 38 | $1.63 | to | $1.63 | $61 | 0.70<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 16.91<br> %<br>| to | 16.91<br> %<br>|
| **Janus Henderson VIT Enter, Serv** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 113 | $10.30 | to | $4.34 | $949 | 0.05<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.93<br> %<br>| to | 6.45<br> %<br>|
| 2024 | 116 | $9.63 | to | $4.08 | $908 | 0.63<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.80<br> %<br>| to | 14.28<br> %<br>|
| 2023 | 118 | $8.39 | to | $3.57 | $800 | 0.09<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 17.25<br> %<br>| to | 16.72<br> %<br>|
| 2022 | 123 | $7.15 | to | $3.06 | $710 | 0.08<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (16.53)%<br>| to | (16.90)%<br>|
| 2021 | 129 | $8.57 | to | $3.68 | $890 | 0.24<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 16.02<br> %<br>| to | 15.50<br> %<br>|
| **Janus Henderson VIT Flex Bd, Inst** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 481 | $1.18 | to | $1.18 | $568 | 5.63<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.40<br> %<br>| to | 7.40<br> %<br>|
| 2024 | 353 | $1.10 | to | $1.10 | $388 | 6.36<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 1.96<br> %<br>| to | 1.96<br> %<br>|
| 2023 | 75 | $1.08 | to | $1.08 | $81 | 5.78<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.50<br> %<br>| to | 5.50<br> %<br>|
| 2022 | 35 | $1.02 | to | $1.02 | $36 | 4.36<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (13.66)%<br>| to | (13.66)%<br>|
| 2021 | 3 | $1.18 | to | $1.18 | $4 | 2.32<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (0.90)%<br>| to | (0.90)%<br>|
| **Janus Henderson VIT Flex Bd, Serv** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 44 | $1.29 | to | $1.29 | $57 | 4.70<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.23<br> %<br>| to | 7.23<br> %<br>|
| 2024 | 39 | $1.21 | to | $1.21 | $47 | 4.87<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 1.63<br> %<br>| to | 1.63<br> %<br>|
| 2023 | 22 | $1.19 | to | $1.19 | $26 | 3.92<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.29<br> %<br>| to | 5.29<br> %<br>|
| 2022 | 7 | $1.13 | to | $1.13 | $8 | 2.08<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (13.90)%<br>| to | (13.90)%<br>|
| 2021 | 6 | $1.31 | to | $1.31 | $8 | 1.72<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (1.11)%<br>| to | (1.11)%<br>|
| **Janus Henderson VIT Overseas,** <br> **Serv**<br>|  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 708 | $1.73 | to | $2.98 | $2213 | 1.34<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 28.32<br> %<br>| to | 27.43<br> %<br>|
| 2024 | 697 | $1.35 | to | $2.34 | $1752 | 1.29<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.37<br> %<br>| to | 4.63<br> %<br>|
| 2023 | 746 | $1.28 | to | $2.24 | $1822 | 1.43<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.36<br> %<br>| to | 9.60<br> %<br>|
| 2022 | 774 | $1.16 | to | $2.04 | $1736 | 1.69<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 17.25 %<sup>(5)</sup><br>| to | (9.65)%<br>|
| 2021 | 814 | $1.50 | to | $2.26 | $2015 | 1.03<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.95<br> %<br>| to | 12.27<br> %<br>|
| **Janus Henderson VIT Res, Inst** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 33 | $3.06 | to | $3.06 | $102 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 18.39<br> %<br>| to | 18.39<br> %<br>|
| 2024 | 28 | $2.59 | to | $2.59 | $73 | 0.03<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 35.31<br> %<br>| to | 35.31<br> %<br>|
| 2023 | 27 | $1.91 | to | $1.91 | $51 | 0.14<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 43.17<br> %<br>| to | 43.17<br> %<br>|
| 2022 | 23 | $1.33 | to | $1.33 | $31 | 0.67<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (29.89)%<br>| to | (29.89)%<br>|
| 2021 | 2 | $1.90 | to | $1.90 | $4 | 0.11<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 20.33<br> %<br>| to | 20.33<br> %<br>|
| **Janus Henderson VIT Res, Serv** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 131 | $6.56 | to | $6.05 | $892 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 18.10<br> %<br>| to | 17.04<br> %<br>|
| 2024 | 128 | $5.56 | to | $5.17 | $803 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 34.96<br> %<br>| to | 33.74<br> %<br>|
| 2023 | 126 | $4.12 | to | $3.86 | $618 | 0.06<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 42.81<br> %<br>| to | 41.54<br> %<br>|
| 2022 | 130 | $2.88 | to | $2.73 | $454 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (30.06)%<br>| to | (30.69)%<br>|
| 2021 | 143 | $4.12 | to | $3.94 | $697 | 0.02<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 20.05<br> %<br>| to | 18.97<br> %<br>|
| **Lazard Ret Global Dyn MA, Inv** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 17 | $1.43 | to | $1.43 | $24 | 1.32<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.98<br> %<br>| to | 15.98<br> %<br>|
| 2024 | 13 | $1.23 | to | $1.23 | $16 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.64<br> %<br>| to | 8.64<br> %<br>|
| 2023 | 10 | $1.14 | to | $1.14 | $12 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.06<br> %<br>| to | 11.06<br> %<br>|
| 2022 | 2 | $1.02 | to | $1.02 | $2 | 0.28<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (17.28)%<br>| to | (17.28)%<br>|
| 2021 | 1 | $1.24 | to | $1.24 | $2 | 3.53<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.16<br> %<br>| to | 12.16<br> %<br>|
| **Lazard Ret Global Dyn MA, Serv** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 12 | $1.94 | to | $1.59 | $21 | 1.08<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.73<br> %<br>| to | 14.69<br> %<br>|
| 2024 | 11 | $1.68 | to | $1.39 | $16 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.60<br> %<br>| to | 7.62<br> %<br>|
| 2023 | 12 | $1.55 | to | $1.29 | $17 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.81<br> %<br>| to | 9.82<br> %<br>|
| 2022 | 13 | $1.40 | to | $1.17 | $16 | 0.08<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (17.37)%<br>| to | (18.11)%<br>|
| 2021 | 20 | $1.69 | to | $1.43 | $30 | 2.76<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.94<br> %<br>| to | 10.93<br> %<br>|

---

**RiverSource of New York Account 8** ■ 184

------

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** |
|  | **Units (000s)** | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Net assets** <br> **(000s)**<br>| **Investment** <br> **income ratio**<sup>(2)</sup><br>| **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> |
| **Lord Abt Bond Debenture, Cl VC** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 23 | $1.15 | to | $1.15 | $26 | 7.19<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.33<br> %<br>| to | 8.33<br> %<br>|
| 2024 | 20 | $1.07 | to | $1.07 | $21 | 19.21<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.93 %<sup>(6)</sup><br>| to | 6.93 %<sup>(6)</sup><br>|
| **LVIP AC Intl, Serv Cl** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 431 | $1.52 | to | $3.36 | $760 | 1.11<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.58<br> %<br>| to | 14.78<br> %<br>|
| 2024 | 424 | $1.31 | to | $2.93 | $660 | 1.30<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 2.25<br> %<br>| to | 1.54<br> %<br>|
| 2023 | 510 | $1.29 | to | $2.88 | $786 | 1.22<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.20<br> %<br>| to | 11.43<br> %<br>|
| 2022 | 505 | $1.15 | to | $2.59 | $701 | 1.29<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.50 %<sup>(5)</sup><br>| to | (25.54)%<br>|
| 2021 | 499 | $1.87 | to | $3.47 | $926 | 0.02<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.28<br> %<br>| to | 7.63<br> %<br>|
| **LVIP AC Intl, Std Cl II** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 240 | $3.59 | to | $2.09 | $664 | 1.22<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.46<br> %<br>| to | 14.95<br> %<br>|
| 2024 | 246 | $3.11 | to | $1.82 | $588 | 1.53<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 2.14<br> %<br>| to | 1.68<br> %<br>|
| 2023 | 315 | $3.05 | to | $1.79 | $701 | 1.40<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.07<br> %<br>| to | 11.57<br> %<br>|
| 2022 | 335 | $2.72 | to | $1.60 | $665 | 1.48<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (25.09)%<br>| to | (25.43)%<br>|
| 2021 | 355 | $3.63 | to | $2.15 | $928 | 0.16<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.26<br> %<br>| to | 7.78<br> %<br>|
| **LVIP AC Mid Cap Val, Std Cl II** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 41 | $1.19 | to | $1.19 | $49 | 2.48<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.00<br> %<br>| to | 9.00<br> %<br>|
| 2024 | 22 | $1.09 | to | $1.09 | $24 | 4.52<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.75 %<sup>(6)</sup><br>| to | 9.75 %<sup>(6)</sup><br>|
| **LVIP AC Val, Serv Cl** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 994 | $3.71 | to | $5.34 | $2645 | 1.52<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.85<br> %<br>| to | 14.82<br> %<br>|
| 2024 | 958 | $3.20 | to | $4.65 | $2349 | 2.74<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.29<br> %<br>| to | 8.30<br> %<br>|
| 2023 | 1021 | $2.93 | to | $4.29 | $2353 | 2.21<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.02<br> %<br>| to | 8.05<br> %<br>|
| 2022 | 1156 | $2.69 | to | $3.97 | $2448 | 1.95<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 0.31<br> %<br>| to | (0.59)%<br>|
| 2021 | 1182 | $2.68 | to | $4.00 | $2521 | 1.60<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 24.28<br> %<br>| to | 23.17<br> %<br>|
| **LVIP AC Val, Std Cl II** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 755 | $1.99 | to | $6.44 | $4184 | 1.63<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 16.02<br> %<br>| to | 14.98<br> %<br>|
| 2024 | 790 | $1.72 | to | $5.60 | $3866 | 2.81<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.48<br> %<br>| to | 8.49<br> %<br>|
| 2023 | 875 | $1.57 | to | $5.16 | $4043 | 2.39<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.10<br> %<br>| to | 8.12<br> %<br>|
| 2022 | 912 | $1.44 | to | $4.77 | $3973 | 2.10<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 0.54<br> %<br>| to | (0.36)%<br>|
| 2021 | 918 | $1.43 | to | $4.79 | $4099 | 1.75<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 24.51<br> %<br>| to | 23.39<br> %<br>|
| **MFS Gbl Real Est, Init Cl** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 0 | $1.02 | to | $1.02 | $0 | 1.76<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 3.53<br> %<br>| to | 3.53<br> %<br>|
| 2024 |  | $0.99 | to | $0.99 | $0 | 2.19<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (0.16 )%<sup>(6)</sup><br>| to | (0.16 )%<sup>(6)</sup><br>|
| **MFS Intl Gro, Init Cl** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 177 | $1.34 | to | $1.34 | $236 | 1.05<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 21.12<br> %<br>| to | 21.12<br> %<br>|
| 2024 | 67 | $1.11 | to | $1.11 | $74 | 1.32<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.67 %<sup>(6)</sup><br>| to | 11.67 %<sup>(6)</sup><br>|
| **MFS Mass Inv Gro Stock, Serv Cl** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 847 | $1.67 | to | $3.31 | $2872 | 0.02<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.39<br> %<br>| to | 8.62<br> %<br>|
| 2024 | 1101 | $1.53 | to | $3.04 | $3434 | 0.13<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.75<br> %<br>| to | 14.94<br> %<br>|
| 2023 | 1138 | $1.32 | to | $2.65 | $3106 | 0.05<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 23.45<br> %<br>| to | 22.60<br> %<br>|
| 2022 | 1184 | $1.07 | to | $2.16 | $2623 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.09 %<sup>(5)</sup><br>| to | (20.17)%<br>|
| 2021 | 1293 | $2.82 | to | $2.71 | $3574 | 0.03<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 25.28<br> %<br>| to | 24.53<br> %<br>|
| **MFS New Dis, Serv Cl** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 480 | $1.41 | to | $4.34 | $2131 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.33<br> %<br>| to | 11.55<br> %<br>|
| 2024 | 475 | $1.26 | to | $3.89 | $1994 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.22<br> %<br>| to | 5.48<br> %<br>|
| 2023 | 462 | $1.18 | to | $3.69 | $2011 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.03<br> %<br>| to | 13.23<br> %<br>|
| 2022 | 448 | $1.04 | to | $3.26 | $1822 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.44 %<sup>(5)</sup><br>| to | (30.62)%<br>|
| 2021 | 473 | $2.81 | to | $4.70 | $2729 | —<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 1.27<br> %<br>| to | 0.66<br> %<br>|
| **MFS Utilities, Init Cl** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 85 | $1.76 | to | $1.76 | $149 | 3.09<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.01<br> %<br>| to | 15.01<br> %<br>|
| 2024 | 61 | $1.53 | to | $1.53 | $93 | 2.30<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.66<br> %<br>| to | 11.66<br> %<br>|
| 2023 | 55 | $1.37 | to | $1.37 | $75 | 3.73<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (2.11)%<br>| to | (2.11)%<br>|
| 2022 | 37 | $1.40 | to | $1.40 | $51 | 2.48<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 0.76<br> %<br>| to | 0.76<br> %<br>|
| 2021 | 23 | $1.39 | to | $1.39 | $32 | 1.80<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.09<br> %<br>| to | 14.09<br> %<br>|

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**185 ■ RiverSource of New York Account 8**

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| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** |
|  | **Units (000s)** | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Net assets** <br> **(000s)**<br>| **Investment** <br> **income ratio**<sup>(2)</sup><br>| **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> |
| **MFS Utilities, Serv Cl** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 354 | $2.76 | to | $7.46 | $1226 | 2.73<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.76<br> %<br>| to | 13.73<br> %<br>|
| 2024 | 352 | $2.41 | to | $6.56 | $1144 | 2.09<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.34<br> %<br>| to | 10.34<br> %<br>|
| 2023 | 325 | $2.16 | to | $5.95 | $1061 | 3.38<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (2.33)%<br>| to | (3.20)%<br>|
| 2022 | 324 | $2.22 | to | $6.14 | $1130 | 2.23<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 0.48<br> %<br>| to | (0.42)%<br>|
| 2021 | 328 | $2.20 | to | $6.17 | $1163 | 1.54<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.82<br> %<br>| to | 12.80<br> %<br>|
| **MS VIF Dis, Cl I** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 316 | $2.18 | to | $2.18 | $688 | 0.42<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.58<br> %<br>| to | 12.58<br> %<br>|
| 2024 | 273 | $1.93 | to | $1.93 | $527 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 41.83<br> %<br>| to | 41.83<br> %<br>|
| 2023 | 266 | $1.36 | to | $1.36 | $362 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 44.34<br> %<br>| to | 44.34<br> %<br>|
| 2022 | 135 | $0.94 | to | $0.94 | $127 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (62.96)%<br>| to | (62.96)%<br>|
| 2021 | 31 | $2.55 | to | $2.55 | $79 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (11.06)%<br>| to | (11.06)%<br>|
| **MS VIF Dis, Cl II** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 230 | $5.00 | to | $5.04 | $1438 | 0.39<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.44<br> %<br>| to | 11.43<br> %<br>|
| 2024 | 195 | $4.44 | to | $4.53 | $1150 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 41.73<br> %<br>| to | 40.45<br> %<br>|
| 2023 | 176 | $3.14 | to | $3.22 | $792 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 44.13<br> %<br>| to | 42.84<br> %<br>|
| 2022 | 163 | $2.18 | to | $2.26 | $529 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (62.97)%<br>| to | (63.30)%<br>|
| 2021 | 183 | $5.87 | to | $6.15 | $1519 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (11.19)%<br>| to | (11.99)%<br>|
| **NB AMT Quality Eq, Cl I** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 25 | $2.46 | to | $2.46 | $60 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.74<br> %<br>| to | 13.74<br> %<br>|
| 2024 | 23 | $2.17 | to | $2.17 | $49 | 0.24<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 25.84<br> %<br>| to | 25.84<br> %<br>|
| 2023 | 19 | $1.72 | to | $1.72 | $33 | 0.40<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 26.90<br> %<br>| to | 26.90<br> %<br>|
| 2022 | 10 | $1.36 | to | $1.36 | $14 | 0.61<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (18.45)%<br>| to | (18.45)%<br>|
| 2021 | 3 | $1.66 | to | $1.66 | $5 | 0.56<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 23.48<br> %<br>| to | 23.48<br> %<br>|
| **NB AMT Quality Eq, Cl S** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 18 | $4.93 | to | $4.93 | $88 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.43<br> %<br>| to | 13.43<br> %<br>|
| 2024 | 14 | $4.34 | to | $4.34 | $61 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 25.52<br> %<br>| to | 25.52<br> %<br>|
| 2023 | 13 | $3.46 | to | $3.46 | $46 | 0.08<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 26.57<br> %<br>| to | 26.57<br> %<br>|
| 2022 | 13 | $2.73 | to | $2.73 | $35 | 0.14<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (18.65)%<br>| to | (18.65)%<br>|
| 2021 | 7 | $3.36 | to | $3.36 | $24 | 0.19<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 23.16<br> %<br>| to | 23.16<br> %<br>|
| **Nom VIP Asset Strategy, Serv Cl** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 26 | $2.01 | to | $1.70 | $52 | 1.32<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 16.66<br> %<br>| to | 15.62<br> %<br>|
| 2024 | 34 | $1.72 | to | $1.47 | $55 | 1.82<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.44<br> %<br>| to | 11.42<br> %<br>|
| 2023 | 37 | $1.53 | to | $1.32 | $55 | 1.78<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.94<br> %<br>| to | 12.92<br> %<br>|
| 2022 | 50 | $1.35 | to | $1.17 | $63 | 1.60<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (14.74)%<br>| to | (15.50)%<br>|
| 2021 | 51 | $1.58 | to | $1.38 | $74 | 1.32<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.44<br> %<br>| to | 9.45<br> %<br>|
| **Nom VIP Asset Strategy, Std Cl** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 0 | $1.31 | to | $1.31 | $0 | 1.93<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 16.88<br> %<br>| to | 16.88<br> %<br>|
| 2024 | 0 | $1.12 | to | $1.12 | $0 | 2.57<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.40 %<sup>(6)</sup><br>| to | 13.40 %<sup>(6)</sup><br>|
| **Nom VIP Intl Core Eq, Std Cl** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 |  | $1.24 | to | $1.24 | $0 | 1.31<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 24.55<br> %<br>| to | 24.55<br> %<br>|
| 2024 |  | $1.00 | to | $1.00 | $0 | 1.84<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (0.41 )%<sup>(9)</sup><br>| to | (0.41 )%<sup>(9)</sup><br>|
| **PIMCO VIT All Asset, Advisor Cl** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 270 | $1.77 | to | $2.10 | $622 | 4.52<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.19<br> %<br>| to | 13.17<br> %<br>|
| 2024 | 269 | $1.55 | to | $1.86 | $579 | 6.27<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 3.57<br> %<br>| to | 2.64<br> %<br>|
| 2023 | 298 | $1.50 | to | $1.81 | $616 | 2.84<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.02<br> %<br>| to | 7.05<br> %<br>|
| 2022 | 325 | $1.39 | to | $1.69 | $611 | 7.44<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (11.87)%<br>| to | (12.66)%<br>|
| 2021 | 384 | $1.58 | to | $1.94 | $820 | 11.21<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 16.04<br> %<br>| to | 15.00<br> %<br>|
| **PIMCO VIT All Asset, Inst Cl** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 14 | $1.53 | to | $1.53 | $21 | 4.76<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.34<br> %<br>| to | 14.34<br> %<br>|
| 2024 | 12 | $1.33 | to | $1.33 | $16 | 6.56<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 3.95<br> %<br>| to | 3.95<br> %<br>|
| 2023 | 10 | $1.28 | to | $1.28 | $13 | 3.17<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.28<br> %<br>| to | 8.28<br> %<br>|
| 2022 | 7 | $1.19 | to | $1.19 | $9 | 8.47<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (11.66)%<br>| to | (11.66)%<br>|
| 2021 | 4 | $1.34 | to | $1.34 | $6 | 12.05<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 16.41<br> %<br>| to | 16.41<br> %<br>|

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**RiverSource of New York Account 8** ■ 186

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| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** |
|  | **Units (000s)** | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Net assets** <br> **(000s)**<br>| **Investment** <br> **income ratio**<sup>(2)</sup><br>| **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> |
| **PIMCO VIT Glb Man As Alloc, Adv** <br> **Cl**<br>|  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 3 | $2.06 | to | $2.06 | $7 | 4.31<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 21.77<br> %<br>| to | 21.77<br> %<br>|
| 2024 | 3 | $1.70 | to | $1.70 | $6 | 3.42<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.76<br> %<br>| to | 10.76<br> %<br>|
| 2023 | 4 | $1.53 | to | $1.53 | $6 | 2.18<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.85<br> %<br>| to | 12.85<br> %<br>|
| 2022 | 4 | $1.36 | to | $1.36 | $5 | 1.92<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (18.40)%<br>| to | (18.40)%<br>|
| 2021 | 4 | $1.66 | to | $1.66 | $7 | 2.31<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.60<br> %<br>| to | 12.60<br> %<br>|
| **PIMCO VIT Tot Return, Advisor Cl** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 726 | $1.30 | to | $1.15 | $872 | 4.00<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.78<br> %<br>| to | 7.81<br> %<br>|
| 2024 | 465 | $1.20 | to | $1.07 | $519 | 3.92<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 2.43<br> %<br>| to | 1.51<br> %<br>|
| 2023 | 398 | $1.17 | to | $1.05 | $435 | 3.48<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.83<br> %<br>| to | 4.88<br> %<br>|
| 2022 | 367 | $1.11 | to | $1.00 | $382 | 2.53<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (14.39)%<br>| to | (15.15)%<br>|
| 2021 | 349 | $1.29 | to | $1.18 | $426 | 1.73<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (1.37)%<br>| to | (2.25)%<br>|
| **PIMCO VIT Tot Return, Inst Cl** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 284 | $1.17 | to | $1.17 | $332 | 4.25<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.05<br> %<br>| to | 9.05<br> %<br>|
| 2024 | 155 | $1.07 | to | $1.07 | $167 | 4.17<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 2.69<br> %<br>| to | 2.69<br> %<br>|
| 2023 | 110 | $1.05 | to | $1.05 | $115 | 3.73<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.09<br> %<br>| to | 6.09<br> %<br>|
| 2022 | 68 | $0.99 | to | $0.99 | $67 | 2.87<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (14.17)%<br>| to | (14.17)%<br>|
| 2021 | 35 | $1.15 | to | $1.15 | $41 | 1.98<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (1.12)%<br>| to | (1.12)%<br>|
| **Put VT Global Hlth Care, Cl IA** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 71 | $1.32 | to | $1.32 | $94 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.34<br> %<br>| to | 15.34<br> %<br>|
| 2024 | 55 | $1.14 | to | $1.14 | $62 | 0.62<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 1.70<br> %<br>| to | 1.70<br> %<br>|
| 2023 | 39 | $1.12 | to | $1.12 | $44 | 0.39<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.39<br> %<br>| to | 9.39<br> %<br>|
| 2022 | 13 | $1.03 | to | $1.03 | $13 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 3.27 %<sup>(7)</sup><br>| to | 3.27 %<sup>(7)</sup><br>|
| **Put VT Global Hlth Care, Cl IB** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 335 | $1.30 | to | $6.19 | $1439 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.05<br> %<br>| to | 14.02<br> %<br>|
| 2024 | 338 | $1.13 | to | $5.43 | $1377 | 0.46<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 1.43<br> %<br>| to | 0.51<br> %<br>|
| 2023 | 324 | $1.12 | to | $5.40 | $1404 | 0.30<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.14<br> %<br>| to | 8.16<br> %<br>|
| 2022 | 323 | $1.02 | to | $4.99 | $1349 | 0.40<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 3.12 %<sup>(7)</sup><br>| to | (5.53)%<br>|
| 2021 | 298 | $2.72 | to | $5.29 | $1439 | 1.10<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 19.04<br> %<br>| to | 18.33<br> %<br>|
| **Put VT Hi Yield, Cl IB** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 80 | $3.25 | to | $3.56 | $274 | 6.09<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.19<br> %<br>| to | 7.70<br> %<br>|
| 2024 | 81 | $3.00 | to | $3.30 | $256 | 5.71<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.38<br> %<br>| to | 6.89<br> %<br>|
| 2023 | 85 | $2.79 | to | $3.09 | $252 | 5.32<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.64<br> %<br>| to | 11.13<br> %<br>|
| 2022 | 88 | $2.50 | to | $2.78 | $234 | 5.48<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (12.00)%<br>| to | (12.39)%<br>|
| 2021 | 108 | $2.84 | to | $3.17 | $328 | 5.61<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.51<br> %<br>| to | 4.03<br> %<br>|
| **Put VT Intl Eq, Cl IB** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 83 | $1.93 | to | $3.49 | $222 | 0.01<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 37.41<br> %<br>| to | 36.45<br> %<br>|
| 2024 | 82 | $1.40 | to | $2.56 | $179 | 2.03<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 2.77<br> %<br>| to | 2.04<br> %<br>|
| 2023 | 73 | $1.37 | to | $2.51 | $162 | 0.04<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 18.26<br> %<br>| to | 17.45<br> %<br>|
| 2022 | 73 | $1.15 | to | $2.14 | $140 | 1.54<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 16.28 %<sup>(5)</sup><br>| to | (15.53)%<br>|
| 2021 | 73 | $1.58 | to | $2.53 | $167 | 1.20<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.50<br> %<br>| to | 7.85<br> %<br>|
| **Put VT Intl Val, Cl IA** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 62 | $1.44 | to | $1.44 | $90 | 0.06<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 35.07<br> %<br>| to | 35.07<br> %<br>|
| 2024 | 2 | $1.07 | to | $1.07 | $3 | 0.13<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.35 %<sup>(6)</sup><br>| to | 8.35 %<sup>(6)</sup><br>|
| **Put VT Lg Cap Val, Cl IA** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 158 | $1.44 | to | $1.44 | $227 | 0.59<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 20.66<br> %<br>| to | 20.66<br> %<br>|
| 2024 | 36 | $1.20 | to | $1.20 | $43 | 0.23<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 20.16 %<sup>(6)</sup><br>| to | 20.16 %<sup>(6)</sup><br>|
| **Put VT Sus Leaders, Cl IA** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 1555 | $10.77 | to | $8.98 | $14183 | 0.88<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.49<br> %<br>| to | 10.00<br> %<br>|
| 2024 | 1737 | $9.75 | to | $8.16 | $14435 | 0.38<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 22.78<br> %<br>| to | 22.22<br> %<br>|
| 2023 | 1848 | $7.94 | to | $6.68 | $12550 | 0.75<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 25.85<br> %<br>| to | 25.29<br> %<br>|
| 2022 | 1950 | $6.31 | to | $5.33 | $10570 | 0.83<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (23.07)%<br>| to | (23.41)%<br>|
| 2021 | 2067 | $8.20 | to | $6.96 | $14623 | 0.34<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 23.28<br> %<br>| to | 22.73<br> %<br>|

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**187 ■ RiverSource of New York Account 8**

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| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** |
|  | **Units (000s)** | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Net assets** <br> **(000s)**<br>| **Investment** <br> **income ratio**<sup>(2)</sup><br>| **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> |
| **Put VT Sus Leaders, Cl IB** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 47 | $1.78 | to | $6.66 | $217 | 0.65<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.47<br> %<br>| to | 9.70<br> %<br>|
| 2024 | 44 | $1.61 | to | $6.07 | $199 | 0.20<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 22.78<br> %<br>| to | 21.91<br> %<br>|
| 2023 | 31 | $1.31 | to | $4.98 | $150 | 0.46<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 25.86<br> %<br>| to | 24.98<br> %<br>|
| 2022 | 23 | $1.04 | to | $3.99 | $98 | 0.54<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.04 %<sup>(5)</sup><br>| to | (23.60)%<br>|
| 2021 | 24 | $3.73 | to | $5.22 | $131 | 0.15<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 23.16<br> %<br>| to | 22.43<br> %<br>|
| **Royce Micro-Cap, Invest Cl** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 360 | $5.21 | to | $6.46 | $2073 | —<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.38<br> %<br>| to | 12.87<br> %<br>|
| 2024 | 380 | $4.60 | to | $5.72 | $1936 | —<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.16<br> %<br>| to | 12.65<br> %<br>|
| 2023 | 436 | $4.06 | to | $5.08 | $1977 | —<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 18.25<br> %<br>| to | 17.72<br> %<br>|
| 2022 | 447 | $3.43 | to | $4.32 | $1720 | —<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (22.78)%<br>| to | (23.13)%<br>|
| 2021 | 480 | $4.45 | to | $5.61 | $2399 | —<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 29.40<br> %<br>| to | 28.82<br> %<br>|
| **Temp Global Bond, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 42 | $0.91 | to | $0.91 | $38 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 16.09<br> %<br>| to | 16.09<br> %<br>|
| 2024 | 35 | $0.78 | to | $0.78 | $27 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (11.13)%<br>| to | (11.13)%<br>|
| 2023 | 31 | $0.88 | to | $0.88 | $27 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 3.19<br> %<br>| to | 3.19<br> %<br>|
| 2022 | 26 | $0.85 | to | $0.85 | $22 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (4.85)%<br>| to | (4.85)%<br>|
| 2021 | 23 | $0.90 | to | $0.90 | $20 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (4.62)%<br>| to | (4.62)%<br>|
| **Temp Global Bond, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 173 | $0.98 | to | $0.84 | $157 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.73<br> %<br>| to | 14.69<br> %<br>|
| 2024 | 199 | $0.85 | to | $0.73 | $157 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (11.37)%<br>| to | (12.17)%<br>|
| 2023 | 230 | $0.95 | to | $0.84 | $203 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 2.88<br> %<br>| to | 1.97<br> %<br>|
| 2022 | 205 | $0.93 | to | $0.82 | $176 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (4.95)%<br>| to | (5.80)%<br>|
| 2021 | 206 | $0.98 | to | $0.87 | $187 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (4.99)%<br>| to | (5.84)%<br>|
| **Third Ave VST Third Ave Value** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 560 | $4.78 | to | $5.11 | $2754 | 2.31<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 34.24<br> %<br>| to | 33.64<br> %<br>|
| 2024 | 595 | $3.56 | to | $3.82 | $2182 | 2.54<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (2.71)%<br>| to | (3.15)%<br>|
| 2023 | 653 | $3.66 | to | $3.95 | $2466 | 2.36<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 20.27<br> %<br>| to | 19.73<br> %<br>|
| 2022 | 701 | $3.04 | to | $3.30 | $2208 | 1.51<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.59<br> %<br>| to | 15.07<br> %<br>|
| 2021 | 721 | $2.63 | to | $2.87 | $1981 | 0.69<br> %<br>| 0.45<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 21.51<br> %<br>| to | 20.97<br> %<br>|
| **VanEck VIP Global Gold, Cl S** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 134 | $4.10 | to | $3.48 | $499 | 1.40<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 164.43<br> %<br>| to | 162.07<br> %<br>|
| 2024 | 135 | $1.55 | to | $1.33 | $192 | 2.63<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.41<br> %<br>| to | 13.38<br> %<br>|
| 2023 | 116 | $1.35 | to | $1.17 | $145 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.41<br> %<br>| to | 9.42<br> %<br>|
| 2022 | 112 | $1.23 | to | $1.07 | $127 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (13.36)%<br>| to | (14.13)%<br>|
| 2021 | 110 | $1.42 | to | $1.25 | $145 | 11.22<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (14.01)%<br>| to | (14.78)%<br>|
| **VP Aggr, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 2780 | $1.92 | to | $1.92 | $5327 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 17.94<br> %<br>| to | 17.94<br> %<br>|
| 2024 | 2486 | $1.62 | to | $1.62 | $4039 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.49<br> %<br>| to | 13.49<br> %<br>|
| 2023 | 1166 | $1.43 | to | $1.43 | $1669 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 17.51<br> %<br>| to | 17.51<br> %<br>|
| 2022 | 559 | $1.22 | to | $1.22 | $681 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (17.99)%<br>| to | (17.99)%<br>|
| 2021 | 269 | $1.49 | to | $1.49 | $400 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 16.03<br> %<br>| to | 16.03<br> %<br>|
| **VP Aggr, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 10438 | $3.03 | to | $3.25 | $31188 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 17.63<br> %<br>| to | 16.58<br> %<br>|
| 2024 | 10899 | $2.58 | to | $2.79 | $27791 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.20<br> %<br>| to | 12.18<br> %<br>|
| 2023 | 11567 | $2.28 | to | $2.48 | $26120 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 17.22<br> %<br>| to | 16.18<br> %<br>|
| 2022 | 10747 | $1.94 | to | $2.14 | $20899 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (18.19)%<br>| to | (18.92)%<br>|
| 2021 | 10581 | $2.38 | to | $2.64 | $25283 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.76<br> %<br>| to | 14.72<br> %<br>|
| **VP Aggr, Cl 4** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 9920 | $1.66 | to | $3.25 | $28240 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 17.40<br> %<br>| to | 16.58<br> %<br>|
| 2024 | 10126 | $1.42 | to | $2.79 | $25535 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.99<br> %<br>| to | 12.19<br> %<br>|
| 2023 | 9987 | $1.25 | to | $2.49 | $23651 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 16.96<br> %<br>| to | 16.15<br> %<br>|
| 2022 | 10359 | $1.07 | to | $2.14 | $21227 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.96 %<sup>(5)</sup><br>| to | (18.92)%<br>|
| 2021 | 10513 | $2.04 | to | $2.64 | $26365 | —<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.43<br> %<br>| to | 14.74<br> %<br>|

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**RiverSource of New York Account 8** ■ 188

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| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** |
|  | **Units (000s)** | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Net assets** <br> **(000s)**<br>| **Investment** <br> **income ratio**<sup>(2)</sup><br>| **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> |
| **VP Conserv, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 |  | $1.29 | to | $1.29 | $0 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.55<br> %<br>| to | 10.55<br> %<br>|
| 2024 |  | $1.17 | to | $1.17 | $0 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.69<br> %<br>| to | 4.69<br> %<br>|
| 2023 |  | $1.12 | to | $1.12 | $0 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.65<br> %<br>| to | 8.65<br> %<br>|
| 2022 |  | $1.03 | to | $1.03 | $0 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (15.26)%<br>| to | (15.26)%<br>|
| 2021 |  | $1.21 | to | $1.21 | $0 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 3.05<br> %<br>| to | 3.05<br> %<br>|
| **VP Conserv, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 408 | $1.53 | to | $1.54 | $629 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.21<br> %<br>| to | 9.22<br> %<br>|
| 2024 | 644 | $1.38 | to | $1.41 | $900 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.42<br> %<br>| to | 3.48<br> %<br>|
| 2023 | 430 | $1.33 | to | $1.36 | $583 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.46<br> %<br>| to | 7.49<br> %<br>|
| 2022 | 436 | $1.22 | to | $1.26 | $550 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (15.54)%<br>| to | (16.30)%<br>|
| 2021 | 417 | $1.45 | to | $1.51 | $633 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 2.82<br> %<br>| to | 1.89<br> %<br>|
| **VP Conserv, Cl 4** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 377 | $1.28 | to | $1.54 | $583 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.99<br> %<br>| to | 9.22<br> %<br>|
| 2024 | 433 | $1.16 | to | $1.41 | $615 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.28<br> %<br>| to | 3.55<br> %<br>|
| 2023 | 305 | $1.11 | to | $1.36 | $432 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.18<br> %<br>| to | 7.42<br> %<br>|
| 2022 | 344 | $1.03 | to | $1.26 | $453 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 3.31 %<sup>(5)</sup><br>| to | (16.25)%<br>|
| 2021 | 384 | $1.39 | to | $1.51 | $596 | —<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 2.51<br> %<br>| to | 1.90<br> %<br>|
| **VP Man Vol Conserv Gro, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 49 | $1.38 | to | $1.38 | $68 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.25<br> %<br>| to | 11.25<br> %<br>|
| 2024 | 49 | $1.24 | to | $1.24 | $61 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.15<br> %<br>| to | 7.15<br> %<br>|
| 2023 | 49 | $1.15 | to | $1.15 | $56 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.19<br> %<br>| to | 10.19<br> %<br>|
| 2022 | 49 | $1.05 | to | $1.05 | $50 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (16.88)%<br>| to | (16.88)%<br>|
| 2021 | 48 | $1.26 | to | $1.26 | $60 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.77<br> %<br>| to | 5.77<br> %<br>|
| **VP Man Vol Conserv Gro, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 252 | $1.55 | to | $1.40 | $378 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.02<br> %<br>| to | 10.02<br> %<br>|
| 2024 | 260 | $1.40 | to | $1.27 | $353 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.80<br> %<br>| to | 5.84<br> %<br>|
| 2023 | 110 | $1.31 | to | $1.20 | $136 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.98<br> %<br>| to | 8.99<br> %<br>|
| 2022 | 118 | $1.19 | to | $1.10 | $134 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (17.06)%<br>| to | (17.81)%<br>|
| 2021 | 127 | $1.43 | to | $1.34 | $175 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.45<br> %<br>| to | 4.51<br> %<br>|
| **VP Man Vol Conserv, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 3 | $1.26 | to | $1.26 | $4 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.41<br> %<br>| to | 9.41<br> %<br>|
| 2024 | 2 | $1.15 | to | $1.15 | $3 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.65<br> %<br>| to | 4.65<br> %<br>|
| 2023 |  | $1.10 | to | $1.10 | $0 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.05<br> %<br>| to | 8.05<br> %<br>|
| 2022 |  | $1.02 | to | $1.02 | $0 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (15.75)%<br>| to | (15.75)%<br>|
| 2021 |  | $1.21 | to | $1.21 | $0 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 2.91<br> %<br>| to | 2.91<br> %<br>|
| **VP Man Vol Conserv, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 292 | $1.39 | to | $1.25 | $384 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.17<br> %<br>| to | 8.19<br> %<br>|
| 2024 | 92 | $1.27 | to | $1.16 | $109 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.31<br> %<br>| to | 3.37<br> %<br>|
| 2023 | 82 | $1.22 | to | $1.12 | $94 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.87<br> %<br>| to | 6.90<br> %<br>|
| 2022 | 84 | $1.13 | to | $1.05 | $90 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (15.99)%<br>| to | (16.74)%<br>|
| 2021 | 111 | $1.35 | to | $1.26 | $143 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 2.63<br> %<br>| to | 1.71<br> %<br>|
| **VP Man Vol Gro, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 1463 | $1.64 | to | $1.64 | $2405 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.97<br> %<br>| to | 14.97<br> %<br>|
| 2024 | 1380 | $1.43 | to | $1.43 | $1973 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.26<br> %<br>| to | 12.26<br> %<br>|
| 2023 | 741 | $1.27 | to | $1.27 | $944 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.87<br> %<br>| to | 14.87<br> %<br>|
| 2022 | 422 | $1.11 | to | $1.11 | $468 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (19.22)%<br>| to | (19.22)%<br>|
| 2021 | 312 | $1.37 | to | $1.37 | $428 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.22<br> %<br>| to | 12.22<br> %<br>|
| **VP Man Vol Gro, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 1556 | $1.92 | to | $1.73 | $2880 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.75<br> %<br>| to | 13.72<br> %<br>|
| 2024 | 1708 | $1.67 | to | $1.52 | $2768 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.98<br> %<br>| to | 10.97<br> %<br>|
| 2023 | 1544 | $1.49 | to | $1.37 | $2239 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.59<br> %<br>| to | 13.57<br> %<br>|
| 2022 | 1558 | $1.30 | to | $1.20 | $1976 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (19.43)%<br>| to | (20.15)%<br>|
| 2021 | 1487 | $1.61 | to | $1.51 | $2346 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.89<br> %<br>| to | 10.89<br> %<br>|

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**189 ■ RiverSource of New York Account 8**

------

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** |
|  | **Units (000s)** | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Net assets** <br> **(000s)**<br>| **Investment** <br> **income ratio**<sup>(2)</sup><br>| **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> |
| **VP Man Vol Mod Gro, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 908 | $1.51 | to | $1.51 | $1372 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.13<br> %<br>| to | 13.13<br> %<br>|
| 2024 | 864 | $1.33 | to | $1.33 | $1153 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.72<br> %<br>| to | 9.72<br> %<br>|
| 2023 | 243 | $1.22 | to | $1.22 | $296 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.49<br> %<br>| to | 12.49<br> %<br>|
| 2022 | 112 | $1.08 | to | $1.08 | $121 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (17.94)%<br>| to | (17.94)%<br>|
| 2021 | 51 | $1.32 | to | $1.32 | $67 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.02<br> %<br>| to | 9.02<br> %<br>|
| **VP Man Vol Mod Gro, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 1422 | $1.74 | to | $1.57 | $2392 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.87<br> %<br>| to | 11.86<br> %<br>|
| 2024 | 1345 | $1.54 | to | $1.40 | $2003 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.41<br> %<br>| to | 8.42<br> %<br>|
| 2023 | 1364 | $1.41 | to | $1.29 | $1861 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.27<br> %<br>| to | 11.27<br> %<br>|
| 2022 | 1315 | $1.26 | to | $1.16 | $1604 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (18.15)%<br>| to | (18.89)%<br>|
| 2021 | 1436 | $1.53 | to | $1.43 | $2147 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.70<br> %<br>| to | 7.72<br> %<br>|
| **VP Mod Aggr, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 10255 | $1.74 | to | $1.74 | $17842 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.97<br> %<br>| to | 15.97<br> %<br>|
| 2024 | 8601 | $1.50 | to | $1.50 | $12904 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.28<br> %<br>| to | 11.28<br> %<br>|
| 2023 | 6214 | $1.35 | to | $1.35 | $8377 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.23<br> %<br>| to | 15.23<br> %<br>|
| 2022 | 4464 | $1.17 | to | $1.17 | $5223 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (17.38)%<br>| to | (17.38)%<br>|
| 2021 | 2573 | $1.42 | to | $1.42 | $3644 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.61<br> %<br>| to | 12.61<br> %<br>|
| **VP Mod Aggr, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 18399 | $2.57 | to | $2.74 | $47983 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.71<br> %<br>| to | 14.67<br> %<br>|
| 2024 | 18893 | $2.22 | to | $2.39 | $43392 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.00<br> %<br>| to | 10.00<br> %<br>|
| 2023 | 19352 | $2.00 | to | $2.17 | $40433 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.93<br> %<br>| to | 13.91<br> %<br>|
| 2022 | 20860 | $1.74 | to | $1.90 | $37869 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (17.59)%<br>| to | (18.33)%<br>|
| 2021 | 20138 | $2.11 | to | $2.33 | $44693 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.31<br> %<br>| to | 11.30<br> %<br>|
| **VP Mod Aggr, Cl 4** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 24628 | $1.56 | to | $2.74 | $63499 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.45<br> %<br>| to | 14.65<br> %<br>|
| 2024 | 24908 | $1.35 | to | $2.39 | $57885 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.76<br> %<br>| to | 9.98<br> %<br>|
| 2023 | 26106 | $1.22 | to | $2.17 | $55837 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.68<br> %<br>| to | 13.88<br> %<br>|
| 2022 | 28412 | $1.06 | to | $1.91 | $53424 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.74 %<sup>(5)</sup><br>| to | (18.30)%<br>|
| 2021 | 29528 | $1.86 | to | $2.34 | $67643 | —<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.00<br> %<br>| to | 11.33<br> %<br>|
| **VP Mod Conserv, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 1 | $1.43 | to | $1.43 | $1 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.39<br> %<br>| to | 12.39<br> %<br>|
| 2024 | 278 | $1.27 | to | $1.27 | $354 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.72<br> %<br>| to | 6.72<br> %<br>|
| 2023 | 284 | $1.19 | to | $1.19 | $339 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.78<br> %<br>| to | 10.78<br> %<br>|
| 2022 | 292 | $1.07 | to | $1.07 | $314 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (15.93)%<br>| to | (15.93)%<br>|
| 2021 | 299 | $1.28 | to | $1.28 | $383 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.99<br> %<br>| to | 5.99<br> %<br>|
| **VP Mod Conserv, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 1334 | $1.82 | to | $1.87 | $2606 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.10<br> %<br>| to | 11.09<br> %<br>|
| 2024 | 1227 | $1.62 | to | $1.69 | $2173 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.41<br> %<br>| to | 5.45<br> %<br>|
| 2023 | 1309 | $1.52 | to | $1.60 | $2193 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.50<br> %<br>| to | 9.51<br> %<br>|
| 2022 | 1324 | $1.38 | to | $1.46 | $2002 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (16.09)%<br>| to | (16.84)%<br>|
| 2021 | 1425 | $1.64 | to | $1.76 | $2570 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.74<br> %<br>| to | 4.79<br> %<br>|
| **VP Mod Conserv, Cl 4** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 1641 | $1.36 | to | $1.88 | $2951 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.91<br> %<br>| to | 11.13<br> %<br>|
| 2024 | 1566 | $1.22 | to | $1.69 | $2637 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.19<br> %<br>| to | 5.44<br> %<br>|
| 2023 | 1780 | $1.15 | to | $1.60 | $2851 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.26<br> %<br>| to | 9.49<br> %<br>|
| 2022 | 1854 | $1.04 | to | $1.46 | $2712 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.54 %<sup>(5)</sup><br>| to | (16.85)%<br>|
| 2021 | 1832 | $1.54 | to | $1.76 | $3213 | —<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.47<br> %<br>| to | 4.84<br> %<br>|
| **VP Mod, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 4401 | $1.59 | to | $1.59 | $7000 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.14<br> %<br>| to | 14.14<br> %<br>|
| 2024 | 3784 | $1.39 | to | $1.39 | $5273 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.00<br> %<br>| to | 9.00<br> %<br>|
| 2023 | 2961 | $1.28 | to | $1.28 | $3786 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.22<br> %<br>| to | 13.22<br> %<br>|
| 2022 | 1790 | $1.13 | to | $1.13 | $2021 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (16.42)%<br>| to | (16.42)%<br>|
| 2021 | 1185 | $1.35 | to | $1.35 | $1602 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.31<br> %<br>| to | 9.31<br> %<br>|

---

**RiverSource of New York Account 8** ■ 190

------

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** |
|  | **Units (000s)** | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Net assets** <br> **(000s)**<br>| **Investment** <br> **income ratio**<sup>(2)</sup><br>| **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> |
| **VP Mod, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 13342 | $2.18 | to | $2.30 | $29452 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.86<br> %<br>| to | 12.84<br> %<br>|
| 2024 | 13596 | $1.92 | to | $2.04 | $26765 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.72<br> %<br>| to | 7.74<br> %<br>|
| 2023 | 13943 | $1.76 | to | $1.89 | $26124 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.96<br> %<br>| to | 11.95<br> %<br>|
| 2022 | 14671 | $1.56 | to | $1.69 | $24482 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp; (16.61)%<br>| to | (17.35)%<br>|
| 2021 | 15164 | $1.87 | to | $2.05 | $30374 | —<br> %<br>| 0.00<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.00<br> %<br>| to | 8.03<br> %<br>|
| **VP Mod, Cl 4** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 16485 | $1.46 | to | $2.31 | $35843 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.61<br> %<br>| to | 12.82<br> %<br>|
| 2024 | 17045 | $1.28 | to | $2.04 | $33773 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.49<br> %<br>| to | 7.73<br> %<br>|
| 2023 | 17954 | $1.18 | to | $1.90 | $33732 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 12.72<br> %<br>| to | 11.93<br> %<br>|
| 2022 | 18733 | $1.05 | to | $1.70 | $31437 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.51 %<sup>(5)</sup><br>| to | (17.33)%<br>|
| 2021 | 19360 | $1.70 | to | $2.05 | $39217 | —<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.72<br> %<br>| to | 8.07<br> %<br>|
| **VP Ptnrs Core Bond, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 33 | $1.16 | to | $1.16 | $38 | 5.09<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.62<br> %<br>| to | 7.62<br> %<br>|
| 2024 | 26 | $1.08 | to | $1.08 | $28 | 3.58<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 2.25<br> %<br>| to | 2.25<br> %<br>|
| 2023 | 23 | $1.06 | to | $1.06 | $24 | 2.75<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.30<br> %<br>| to | 6.30<br> %<br>|
| 2022 | 11 | $1.00 | to | $1.00 | $11 | 1.67<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (13.29)%<br>| to | (13.29)%<br>|
| 2021 | 5 | $1.15 | to | $1.15 | $5 | 1.21<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (1.24)%<br>| to | (1.24)%<br>|
| **VP Ptnrs Core Bond, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 20 | $1.26 | to | $1.26 | $25 | 5.45<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.28<br> %<br>| to | 7.28<br> %<br>|
| 2024 | 11 | $1.17 | to | $1.17 | $12 | 3.37<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 2.01<br> %<br>| to | 2.01<br> %<br>|
| 2023 | 12 | $1.15 | to | $1.15 | $13 | 2.62<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.06<br> %<br>| to | 6.06<br> %<br>|
| 2022 | 3 | $1.08 | to | $1.08 | $4 | 1.38<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (13.60)%<br>| to | (13.60)%<br>|
| 2021 | 3 | $1.25 | to | $1.25 | $4 | 1.19<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (1.41)%<br>| to | (1.41)%<br>|
| **VP Ptnrs Core Eq, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 3 | $2.46 | to | $2.46 | $8 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.42<br> %<br>| to | 13.42<br> %<br>|
| 2024 | 2 | $2.17 | to | $2.17 | $5 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 23.44<br> %<br>| to | 23.44<br> %<br>|
| 2023 | 1 | $1.76 | to | $1.76 | $2 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 24.71<br> %<br>| to | 24.71<br> %<br>|
| 2022 | 1 | $1.41 | to | $1.41 | $1 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (17.33)%<br>| to | (17.33)%<br>|
| 2021 | 1 | $1.71 | to | $1.71 | $1 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 29.45<br> %<br>| to | 29.45<br> %<br>|
| **VP Ptnrs Core Eq, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 9 | $4.65 | to | $4.65 | $44 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.13<br> %<br>| to | 13.13<br> %<br>|
| 2024 | 10 | $4.11 | to | $4.11 | $40 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 23.10<br> %<br>| to | 23.10<br> %<br>|
| 2023 | 9 | $3.34 | to | $3.34 | $32 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 24.43<br> %<br>| to | 24.43<br> %<br>|
| 2022 |  | $2.69 | to | $2.69 | $1 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (17.55)%<br>| to | (17.55)%<br>|
| 2021 |  | $3.26 | to | $3.26 | $1 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 29.18<br> %<br>| to | 29.18<br> %<br>|
| **VP Ptnrs Core Eq, Cl 3** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 92 | $1.83 | to | $3.80 | $511 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.04<br> %<br>| to | 12.25<br> %<br>|
| 2024 | 91 | $1.62 | to | $3.38 | $488 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 23.01<br> %<br>| to | 22.15<br> %<br>|
| 2023 | 95 | $1.31 | to | $2.77 | $423 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 24.30<br> %<br>| to | 23.44<br> %<br>|
| 2022 | 102 | $1.06 | to | $2.24 | $370 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.59 %<sup>(5)</sup><br>| to | (18.17)%<br>|
| 2021 | 130 | $2.73 | to | $2.74 | $528 | —<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 28.95<br> %<br>| to | 28.18<br> %<br>|
| **VP Ptnrs Intl Core Eq, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 252 | $1.72 | to | $1.72 | $432 | 1.32<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 24.85<br> %<br>| to | 24.85<br> %<br>|
| 2024 | 186 | $1.37 | to | $1.37 | $256 | 0.76<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.86<br> %<br>| to | 5.86<br> %<br>|
| 2023 | 49 | $1.30 | to | $1.30 | $64 | 1.35<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 17.70<br> %<br>| to | 17.70<br> %<br>|
| 2022 | 49 | $1.10 | to | $1.10 | $54 | 1.50<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (19.51)%<br>| to | (19.51)%<br>|
| 2021 | 14 | $1.37 | to | $1.37 | $19 | 1.19<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.55<br> %<br>| to | 13.55<br> %<br>|
| **VP Ptnrs Intl Core Eq, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 34 | $2.13 | to | $2.13 | $73 | 1.25<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 24.55<br> %<br>| to | 24.55<br> %<br>|
| 2024 | 35 | $1.71 | to | $1.71 | $60 | 1.06<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 5.58<br> %<br>| to | 5.58<br> %<br>|
| 2023 | 34 | $1.62 | to | $1.62 | $56 | 1.02<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 17.34<br> %<br>| to | 17.34<br> %<br>|
| 2022 | 20 | $1.38 | to | $1.38 | $27 | 1.75<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (19.64)%<br>| to | (19.64)%<br>|
| 2021 | 23 | $1.72 | to | $1.72 | $40 | 1.81<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.18<br> %<br>| to | 13.18<br> %<br>|

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**191 ■ RiverSource of New York Account 8**

------

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| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** |
|  | **Units (000s)** | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Net assets** <br> **(000s)**<br>| **Investment** <br> **income ratio**<sup>(2)</sup><br>| **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> |
| **VP Ptnrs Intl Gro, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 176 | $1.52 | to | $1.52 | $267 | 0.69<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 17.77<br> %<br>| to | 17.77<br> %<br>|
| 2024 | 113 | $1.29 | to | $1.29 | $146 | 0.70<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (1.17)%<br>| to | (1.17)%<br>|
| 2023 | 115 | $1.31 | to | $1.31 | $150 | 0.48<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.77<br> %<br>| to | 14.77<br> %<br>|
| 2022 | 107 | $1.14 | to | $1.14 | $121 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (26.69)%<br>| to | (26.69)%<br>|
| 2021 | 79 | $1.55 | to | $1.55 | $122 | 0.06<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.63<br> %<br>| to | 10.63<br> %<br>|
| **VP Ptnrs Intl Gro, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 120 | $1.93 | to | $1.93 | $232 | 0.50<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 17.50<br> %<br>| to | 17.50<br> %<br>|
| 2024 | 114 | $1.65 | to | $1.65 | $188 | 0.46<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (1.41)%<br>| to | (1.41)%<br>|
| 2023 | 119 | $1.67 | to | $1.67 | $198 | 0.24<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.45<br> %<br>| to | 14.45<br> %<br>|
| 2022 | 124 | $1.46 | to | $1.46 | $181 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (26.87)%<br>| to | (26.87)%<br>|
| 2021 | 134 | $1.99 | to | $1.99 | $268 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.33<br> %<br>| to | 10.33<br> %<br>|
| **VP Ptnrs Intl Val, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 46 | $1.65 | to | $1.65 | $75 | 2.63<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 35.15<br> %<br>| to | 35.15<br> %<br>|
| 2024 | 41 | $1.22 | to | $1.22 | $50 | 2.68<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.62<br> %<br>| to | 4.62<br> %<br>|
| 2023 | 33 | $1.17 | to | $1.17 | $39 | 1.82<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 17.14<br> %<br>| to | 17.14<br> %<br>|
| 2022 | 21 | $1.00 | to | $1.00 | $21 | 1.96<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (11.46)%<br>| to | (11.46)%<br>|
| 2021 | 9 | $1.13 | to | $1.13 | $10 | 1.97<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.80<br> %<br>| to | 11.80<br> %<br>|
| **VP Ptnrs Intl Val, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 40 | $2.10 | to | $2.10 | $83 | 2.68<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 34.84<br> %<br>| to | 34.84<br> %<br>|
| 2024 | 43 | $1.56 | to | $1.56 | $67 | 2.59<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.30<br> %<br>| to | 4.30<br> %<br>|
| 2023 | 45 | $1.49 | to | $1.49 | $67 | 1.93<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 16.96<br> %<br>| to | 16.96<br> %<br>|
| 2022 | 44 | $1.28 | to | $1.28 | $56 | 2.19<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (11.75)%<br>| to | (11.75)%<br>|
| 2021 | 62 | $1.45 | to | $1.45 | $90 | 1.99<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.64<br> %<br>| to | 11.64<br> %<br>|
| **VP Ptnrs Sm Cap Gro, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 49 | $1.51 | to | $1.51 | $74 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.13<br> %<br>| to | 8.13<br> %<br>|
| 2024 | 46 | $1.40 | to | $1.40 | $64 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 19.04<br> %<br>| to | 19.04<br> %<br>|
| 2023 | 49 | $1.17 | to | $1.17 | $58 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.20<br> %<br>| to | 7.20<br> %<br>|
| 2022 | 39 | $1.10 | to | $1.10 | $43 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (28.97)%<br>| to | (28.97)%<br>|
| 2021 | 4 | $1.54 | to | $1.54 | $7 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.29<br> %<br>| to | 8.29<br> %<br>|
| **VP Ptnrs Sm Cap Gro, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 9 | $2.71 | to | $2.71 | $25 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.86<br> %<br>| to | 7.86<br> %<br>|
| 2024 | 17 | $2.51 | to | $2.51 | $42 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 18.70<br> %<br>| to | 18.70<br> %<br>|
| 2023 | 14 | $2.12 | to | $2.12 | $29 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.93<br> %<br>| to | 6.93<br> %<br>|
| 2022 | 12 | $1.98 | to | $1.98 | $24 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (29.13)%<br>| to | (29.13)%<br>|
| 2021 | 12 | $2.80 | to | $2.80 | $34 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.02<br> %<br>| to | 8.02<br> %<br>|
| **VP Ptnrs Sm Cap Val, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 3 | $1.48 | to | $1.48 | $4 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.35<br> %<br>| to | 7.35<br> %<br>|
| 2024 | 5 | $1.37 | to | $1.37 | $7 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.97<br> %<br>| to | 7.97<br> %<br>|
| 2023 | 9 | $1.27 | to | $1.27 | $11 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.38<br> %<br>| to | 11.38<br> %<br>|
| 2022 | 7 | $1.14 | to | $1.14 | $8 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (12.94)%<br>| to | (12.94)%<br>|
| 2021 | 1 | $1.31 | to | $1.31 | $1 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 24.01<br> %<br>| to | 24.01<br> %<br>|
| **VP Ptnrs Sm Cap Val, Cl 2** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 3 | $2.54 | to | $2.54 | $7 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.07<br> %<br>| to | 7.07<br> %<br>|
| 2024 | 3 | $2.37 | to | $2.37 | $7 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.70<br> %<br>| to | 7.70<br> %<br>|
| 2023 | 3 | $2.20 | to | $2.20 | $6 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.08<br> %<br>| to | 11.08<br> %<br>|
| 2022 | 3 | $1.98 | to | $1.98 | $6 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (13.16)%<br>| to | (13.16)%<br>|
| 2021 | 3 | $2.28 | to | $2.28 | $6 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 23.75<br> %<br>| to | 23.75<br> %<br>|
| **VP Ptnrs Sm Cap Val, Cl 3** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 270 | $1.38 | to | $4.41 | $690 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.99<br> %<br>| to | 6.25<br> %<br>|
| 2024 | 232 | $1.29 | to | $4.15 | $647 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.61<br> %<br>| to | 6.86<br> %<br>|
| 2023 | 192 | $1.20 | to | $3.89 | $659 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.04<br> %<br>| to | 10.27<br> %<br>|
| 2022 | 187 | $1.08 | to | $3.52 | $605 | —<br> %<br>| 0.20<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 8.27 %<sup>(5)</sup><br>| to | (13.84)%<br>|
| 2021 | 210 | $1.76 | to | $4.09 | $785 | —<br> %<br>| 0.30<br> %<br>| to | 0.90<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 23.52<br> %<br>| to | 22.78<br> %<br>|

---

**RiverSource of New York Account 8** ■ 192

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---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **At December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** | **For the year ended December 31** |
|  | **Units (000s)** | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Accumulation unit** <br> **value**<br> **lowest to highest**<sup>(1)</sup> | **Net assets** <br> **(000s)**<br>| **Investment** <br> **income ratio**<sup>(2)</sup><br>| **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | **Expense ratio**<br> **lowest to** <br> **highest**<sup>(3)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> | &nbsp;&nbsp; **Total return**<br> **lowest to highest**<sup>(1)</sup><sup>,</sup><sup>(4)</sup> |
| **VP US Flex Conserv Gro, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 7 | $1.41 | to | $1.41 | $10 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.49<br> %<br>| to | 9.49<br> %<br>|
| 2024 | 6 | $1.28 | to | $1.28 | $8 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.67<br> %<br>| to | 9.67<br> %<br>|
| 2023 | 5 | $1.17 | to | $1.17 | $6 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.53<br> %<br>| to | 11.53<br> %<br>|
| 2022 | 3 | $1.05 | to | $1.05 | $4 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (16.54)%<br>| to | (16.54)%<br>|
| 2021 | 1 | $1.26 | to | $1.26 | $1 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.76<br> %<br>| to | 7.76<br> %<br>|
| **VP US Flex Gro, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 184 | $1.70 | to | $1.70 | $314 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.38<br> %<br>| to | 11.38<br> %<br>|
| 2024 | 153 | $1.53 | to | $1.53 | $233 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 17.43<br> %<br>| to | 17.43<br> %<br>|
| 2023 | 107 | $1.30 | to | $1.30 | $140 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 17.14<br> %<br>| to | 17.14<br> %<br>|
| 2022 | 79 | $1.11 | to | $1.11 | $88 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (18.54)%<br>| to | (18.54)%<br>|
| 2021 | 15 | $1.36 | to | $1.36 | $20 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 15.76<br> %<br>| to | 15.76<br> %<br>|
| **VP US Flex Mod Gro, Cl 1** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 85 | $1.55 | to | $1.55 | $131 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.37<br> %<br>| to | 10.37<br> %<br>|
| 2024 | 84 | $1.41 | to | $1.41 | $118 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 13.44<br> %<br>| to | 13.44<br> %<br>|
| 2023 | 8 | $1.24 | to | $1.24 | $10 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 14.29<br> %<br>| to | 14.29<br> %<br>|
| 2022 | 5 | $1.08 | to | $1.08 | $6 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (17.36)%<br>| to | (17.36)%<br>|
| 2021 | 5 | $1.31 | to | $1.31 | $7 | —<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 11.71<br> %<br>| to | 11.71<br> %<br>|
| **WA Var Global Hi Yd Bond, Cl I** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 23 | $1.32 | to | $1.32 | $30 | 7.03<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.96<br> %<br>| to | 9.96<br> %<br>|
| 2024 | 21 | $1.20 | to | $1.20 | $25 | 7.68<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.06<br> %<br>| to | 7.06<br> %<br>|
| 2023 | 16 | $1.12 | to | $1.12 | $18 | 5.63<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 10.26<br> %<br>| to | 10.26<br> %<br>|
| 2022 | 16 | $1.01 | to | $1.01 | $17 | 9.59<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (13.72)%<br>| to | (13.72)%<br>|
| 2021 | 6 | $1.17 | to | $1.17 | $8 | 8.92<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 1.33<br> %<br>| to | 1.33<br> %<br>|
| **WA Var Global Hi Yd Bond, Cl II** |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025 | 5 | $1.56 | to | $1.56 | $8 | 6.23<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.95<br> %<br>| to | 9.95<br> %<br>|
| 2024 | 6 | $1.42 | to | $1.42 | $8 | 5.79<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.70<br> %<br>| to | 6.70<br> %<br>|
| 2023 | 7 | $1.33 | to | $1.33 | $9 | 5.39<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 9.96<br> %<br>| to | 9.96<br> %<br>|
| 2022 | 7 | $1.21 | to | $1.21 | $8 | 5.98<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp; (13.87)%<br>| to | (13.87)%<br>|
| 2021 | 7 | $1.40 | to | $1.40 | $10 | 5.04<br> %<br>| 0.00<br> %<br>| to | 0.00<br> %<br>| &nbsp;&nbsp;&nbsp;&nbsp; 1.04<br> %<br>| to | 1.04<br> %<br>|

---

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

<sup>(1)</sup> The accumulation unit values and total returns are presented as a range of values based on the life insurance policies with the lowest and highest expense ratios.

<sup>(2)</sup> These amounts represent the dividends, excluding distributions of capital gains, received by the division from the underlying fund, net of management fees assessed by the fund manager, divided by the average net assets. These ratios exclude variable account expenses that result in direct reductions in the unit values. The recognition of investment income by the division is affected by the timing of the declaration of dividends by the underlying fund in which the division invests. These ratios are annualized for periods less than one year. 

<sup>(3)</sup> These ratios represent the annualized policy expenses of the separate account, consisting primarily of mortality and expense charges, for each period indicated. The ratios include only those expenses that result in a direct reduction to unit values. Charges made directly to policy owner accounts through the redemption of units and expenses of the underlying fund are excluded. 

<sup>(4)</sup> These amounts represent the total return for the periods indicated, including changes in the value of the underlying fund, and reflect deductions for all items included in the expense ratio. The total return does not include any expenses assessed through the redemption of units; inclusion of these expenses in the calculation would result in a reduction in the total return presented. The total return is calculated for the period indicated or from the notated effective date through the end of the reporting period. Although the total return is presented as a range of values based on the subaccounts representing the lowest and highest expense ratios, some individual subaccount total returns are not within the ranges presented due to the introduction of new subaccounts during the year and other market factors. 

<sup>(5)</sup> New subaccount operations commenced on October 10, 2022.

<sup>(6)</sup> New subaccount operations commenced on January 16, 2024.

<sup>(7)</sup> New subaccount operations commenced on May 2, 2022.

<sup>(8)</sup> The investment income ratio and total return reflect the effect of a reimbursement of income from a trade error. See Note 9 in the Notes to Financial Statements.

<sup>(9)</sup> New subaccount operations commenced on April 26, 2024.

**9.** **REIMBURSEMENT OF INCOME FROM TRADE ERROR**

Due to an error in trading instructions during the period, the investment owned by the EV VT Floating-Rate Inc, Inst Cl division of the Account as of December 31, 2024, is comprised of shares of the Initial Class of Eaton Vance VT Floating-Rate Fund. The EV VT Floating-Rate Inc, Inst Cl division intended to invest in Institutional Class shares of the Eaton Vance VT Floating-Rate Fund. On April 8, 2025, the EV VT Floating-Rate Inc, Inst Cl's Initial Class shares were exchanged to Institutional Class shares of the Fund.

The Eaton Vance VT Floating-Rate Fund Institutional Class shares and its Initial Class shares differ in that Institutional Class shares typically incur lower fund expenses. If the EV VT Floating-Rate Inc, Inst Cl division had held Institutional shares, it would

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**193 ■ RiverSource of New York Account 8**

------

have recorded higher dividend income. RiverSource Life of NY and/or its affiliates have agreed to reimburse the EV VT Floating-Rate Inc, Inst Cl division $23 and $12 representing the amount of lower dividend distributions received for periods ending December 31, 2024 and December 31, 2025, respectively.

There were no material impacts to any contract holder transactions or account values at any time as a result of this trade error.

The investment income ratio and total return presented in the financial highlights reflect the effect of the reimbursement.

**RiverSource of New York Account 8** ■ 194

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#### REPORT OF INDEPENDENT AUDITORS
TO THE BOARD OF DIRECTORS AND SHAREHOLDER OF RIVERSOURCE LIFE INSURANCE CO. OF NEW YORK

#### Opinion
We have audited the accompanying financial statements of RiverSource Life Insurance Co. of New York (the "Company"), which comprise the balance sheets as of December 31, 2025 and 2024, and the related statements of income, of comprehensive income, of shareholder's equity and of cash flows for each of the three years in the period ended December 31, 2025, including the related notes (collectively referred to as the "financial statements").

In our opinion, the accompanying financial statements present fairly, in all material respects, the financial position of the Company as of December 31, 2025 and 2024, and the results of its operations and its cash flows for each of the three years in the period ended December 31, 2025 in accordance with accounting principles generally accepted in the United States of America.

#### Basis for Opinion
We conducted our audit in accordance with auditing standards generally accepted in the United States of America (US GAAS). Our responsibilities under those standards are further described in the Auditors' Responsibilities for the Audit of the Financial Statements section of our report. We are required to be independent of the Company and to meet our other ethical responsibilities, in accordance with the relevant ethical requirements relating to our audit. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion.

#### Responsibilities of Management for the Financial Statements
Management is responsible for the preparation and fair presentation of the financial statements in accordance with accounting principles generally accepted in the United States of America, and for the design, implementation, and maintenance of internal control relevant to the preparation and fair presentation of financial statements that are free from material misstatement, whether due to fraud or error.

In preparing the financial statements, management is required to evaluate whether there are conditions or events, considered in the aggregate, that raise substantial doubt about the Company's ability to continue as a going concern for one year after the date the financial statements are available to be issued.

#### Auditors' Responsibilities for the Audit of the Financial Statements
Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditors' report that includes our opinion. Reasonable assurance is a high level of assurance but is not absolute assurance and therefore is not a guarantee that an audit conducted in accordance with US GAAS will always detect a material misstatement when it exists. The risk of not detecting a material misstatement resulting from fraud is higher than for one resulting from error, as fraud may involve collusion, forgery, intentional omissions, misrepresentations, or the override of internal control. Misstatements are considered material if there is a substantial likelihood that, individually or in the aggregate, they would influence the judgment made by a reasonable user based on the financial statements.

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| | |
|:---|:---|
| **www.pwc.com/us** | PricewaterhouseCoopers LLP<br> 45 South 7th Street, Suite 3400<br> Minneapolis, Minnesota 55402<br> (612) 596 6000 |

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#### F-1

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In performing an audit in accordance with US GAAS, we:

• Exercise professional judgment and maintain professional skepticism throughout the audit.

• Identify and assess the risks of material misstatement of the financial statements, whether due to fraud or error, and design and perform audit procedures responsive to those risks. Such procedures include examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements.

• Obtain an understanding of internal control relevant to the audit in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the Company's internal control. Accordingly, no such opinion is expressed.

• Evaluate the appropriateness of accounting policies used and the reasonableness of significant accounting estimates made by management, as well as evaluate the overall presentation of the financial statements.

• Conclude whether, in our judgment, there are conditions or events, considered in the aggregate, that raise substantial doubt about the Company's ability to continue as a going concern for a reasonable period of time.

We are required to communicate with those charged with governance regarding, among other matters, the planned scope and timing of the audit, significant audit findings, and certain internal control-related matters that we identified during the audit.

/s/ PricewaterhouseCoopers LLP

Minneapolis, Minnesota

April 22, 2026

#### F-2

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*Riversource Life Insurance Co. of New York* 

#### BALANCE SHEETS

#### (in thousands, except share amounts)

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| | | |
|:---|:---|:---|
| **December 31,** | **2025** | **2024** |
| **Assets** |  |  |
|  Investments: |  |  |
|  Available-for-Sale: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fixed maturities, at fair value (amortized cost: 2025, $1,519,304; 2024, $1,545,537) | $1445880 | $1420630 |
|  Mortgage loans, at amortized cost (allowance for credit losses: 2025, $316; 2024, $424) | 116775 | 130826 |
|  Policy loans | 62715 | 60538 |
|  Other investments | 682 | 638 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total investments | 1626052 | 1612632 |
|  Cash and cash equivalents | 120625 | 145878 |
|  Market risk benefits | 155104 | 147075 |
|  Reinsurance recoverables (allowance for credit losses: 2025, $3,200; 2024, $3,300) | 214436 | 195919 |
|  Receivables | 11096 | 10340 |
|  Accrued investment income | 14188 | 14363 |
|  Deferred acquisition costs | 154783 | 161696 |
|  Other assets | 131784 | 189005 |
|  Separate account assets | 4767199 | 4634856 |
|  Total assets | $7195267 | $7111764 |
| **Liabilities and Shareholder's Equity** |  |  |
|  Liabilities: |  |  |
|  Policyholder account balances, future policy benefits and claims | $1800874 | $1843572 |
|  Market risk benefits | 21487 | 26470 |
|  Other liabilities | 133848 | 175985 |
|  Separate account liabilities | 4767199 | 4634856 |
|  Total liabilities | 6723408 | 6680883 |
|  Shareholder's Equity: |  |  |
|  Common stock, $10 par value; 200,000 shares authorized, issued and outstanding | 2000 | 2000 |
|  Additional paid-in capital | 106926 | 106926 |
|  Retained earnings | 434593 | 428525 |
|  Accumulated other comprehensive income (loss), net of tax | (71660) | (106570) |
|  Total shareholder's equity | 471859 | 430881 |
|  Total liabilities and shareholder's equity | $7195267 | $7111764 |

---

See Notes to Financial Statements.

#### F-3

------

*Riversource Life Insurance Co. of New York* 

#### STATEMENTS OF INCOME

#### (in thousands)

---

| | | | |
|:---|:---|:---|:---|
| **Years Ended December 31,** | **2025** | **2024** | **2023** |
| **Revenues** |  |  |  |
|  Premiums | $18713 | $27135 | $21413 |
|  Net investment income | 79877 | 82817 | 84585 |
|  Policy and contract charges | 132420 | 125670 | 123750 |
|  Other revenues | 24330 | 23564 | 22102 |
|  Net realized investment gains (losses) | (1527) | (419) | 187 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total revenues | 253813 | 258767 | 252037 |
| **Benefits and Expenses** |  |  |  |
|  Benefits, claims, losses and settlement expenses | 45366 | 51316 | 48540 |
|  Interest credited to fixed accounts | 41050 | 49396 | 51609 |
|  Remeasurement (gains) losses of future policy benefit reserves | 1204 | (8588) | 2003 |
|  Change in fair value of market risk benefits | 50518 | 26843 | 45118 |
|  Amortization of deferred acquisition costs | 13820 | 14146 | 14822 |
|  Other insurance and operating expenses | 34685 | 36697 | 35823 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total benefits and expenses | 186643 | 169810 | 197915 |
|  Pretax income (loss) | 67170 | 88957 | 54122 |
|  Income tax provision (benefit) | 11102 | 15563 | 7555 |
|  Net income | $56068 | $73394 | $46567 |

---

See Notes to Financial Statements.

#### STATEMENTS OF COMPREHENSIVE INCOME

#### (in thousands)

---

| | | | |
|:---|:---|:---|:---|
| **Years Ended December 31,** | **2025** | **2024** | **2023** |
|  Net income | $56068 | $73394 | $46567 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Other comprehensive income (loss), net of tax: |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net unrealized gains (losses) on securities | 39880 | (23676) | 41675 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Effect of changes in discount rate assumptions on certain long-duration contracts | (6092) | 9241 | (6125) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Effect of changes in instrument-specific credit risk on market risk benefits | 1122 | (2175) | (2950) |
|  Total other comprehensive income (loss), net of tax | 34910 | (16610) | 32600 |
|  Total comprehensive income (loss) | $90978 | $56784 | $79167 |

---

See Notes to Financial Statements.

#### F-4

------

*Riversource Life Insurance Co. of New York* 

#### STATEMENTS OF SHAREHOLDER'S EQUITY

#### (in thousands)

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | **Common**<br> **Stock** | **Additional**<br> **Paid-In**<br> **Capital** | **Retained**<br> **Earnings** | **Accumulated Other**<br> **Comprehensive**<br> **Income (Loss)** | **Total** |
|  **Balances at January 1, 2023** | $2000 | $106926 | $408564 | $(122560) | $394930 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net income |  |  | 46567 |  | 46567 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Other comprehensive income, net of tax |  |  |  | 32600 | 32600 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Cash dividend to RiverSource Life Insurance Company |  |  | (50000) |  | (50000) |
|  **Balances at December 31, 2023** | 2000 | 106926 | 405131 | (89960) | 424097 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net income |  |  | 73394 |  | 73394 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Other comprehensive loss, net of tax |  |  |  | (16610) | (16610) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Cash dividend to RiverSource Life Insurance Company |  |  | (50000) |  | (50000) |
|  **Balances at December 31, 2024** | 2000 | 106926 | 428525 | (106570) | 430881 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net income |  |  | 56068 |  | 56068 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Other comprehensive income, net of tax |  |  |  | 34910 | 34910 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Cash dividend to RiverSource Life Insurance Company |  |  | (50000) |  | (50000) |
|  **Balances at December 31, 2025** | $2000 | $106926 | $434593 | $(71660) | $471859 |

---

See Notes to Financial Statements.

#### F-5

------

*Riversource Life Insurance Co. of New York* 

#### STATEMENTS OF CASH FLOWS

#### (in thousands)

---

| | | | |
|:---|:---|:---|:---|
| **Years Ended December 31,** | **2025** | **2024** | **2023** |
| **Cash Flows from Operating Activities** |  |  |  |
|  Net income | $56068 | $73394 | $46567 |
|  Adjustments to reconcile net income to net cash provided by (used in) operating activities: |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Depreciation, amortization and accretion, net | 833 | 1412 | 2049 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Deferred income tax (benefit) expense | 13955 | 14880 | (1519) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Contractholder and policyholder charges, non-cash | (27665) | (27735) | (27744) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(Gain) loss from equity method investments | (65) | (62) | (72) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net realized investment (gains) losses | 1635 | 914 | 431 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Impairments and provision for loan losses | (108) | (495) | (618) |
|  Changes in operating assets and liabilities: |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Deferred acquisition costs | 6913 | 5237 | 7105 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Policyholder account balances, future policy benefits and claims, and market risk<br> benefits, net | (698) | (77148) | (42580) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Derivatives, net of collateral | (7711) | 1897 | (36844) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Reinsurance recoverables | (13131) | 349 | (4765) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Receivables | (956) | (2277) | 553 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Accrued investment income | 175 | 1013 | (654) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Current income tax, net | (242) | (1753) | (3253) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Other, net | (41) | 9397 | 4121 |
|  Net cash provided by (used in) operating activities | 28962 | (977) | (57223) |
| **Cash Flows from Investing Activities** |  |  |  |
|  Available-for-Sale securities: |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Proceeds from sales | 7501 | 4609 | 902 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maturities, sinking fund payments and calls | 174342 | 127776 | 115763 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Purchases | (157878) | (216) | (120653) |
|  Proceeds from maturities and repayments of mortgage loans | 14159 | 17214 | 15195 |
|  Funding of mortgage loans |  | (3000) | (2626) |
|  Proceeds from sales of other investments | 21 | 21 | 22 |
|  Change in policy loans, net | (2177) | (6923) | (2824) |
|  Net cash provided by (used in) investing activities | 35968 | 139481 | 5779 |
| **Cash Flows from Financing Activities** |  |  |  |
|  Policyholder account balances: |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Deposits and other additions | 84763 | 111071 | 105284 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net transfers from (to) separate accounts | (3138) | (11509) | (5907) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Surrenders and other benefits | (121680) | (122035) | (132933) |
|  Proceeds from line of credit with Ameriprise Financial, Inc. |  | 2600 |  |
|  Payments on line of credit with Ameriprise Financial, Inc. |  | (2600) |  |
|  Cash received for purchased options with deferred premiums |  |  | 10823 |
|  Cash paid for purchased options with deferred premiums | (128) | (235) | (501) |
|  Cash dividends to RiverSource Life Insurance Company | (50000) | (50000) | (50000) |
|  Net cash provided by (used in) financing activities | (90183) | (72708) | (73234) |
|  Net increase (decrease) in cash and cash equivalents | (25253) | 65796 | (124678) |
|  Cash and cash equivalents at beginning of period | 145878 | 80082 | 204760 |
|  Cash and cash equivalents at end of period | $120625 | $145878 | $80082 |

---

See Notes to Financial Statements.

#### F-6

------

*RiverSource Life Insurance Co. of New York* 

## NOTES TO FINANCIAL STATEMENTS
1. NATURE OF BUSINESS AND BASIS OF PRESENTATION

RiverSource Life Insurance Co. of New York (the "Company") is a stock life insurance company which is domiciled and holds a Certificate of Authority in the State of New York. The Company is a wholly owned subsidiary of RiverSource Life Insurance Company ("RiverSource Life"), which is domiciled in Minnesota. RiverSource Life is a wholly owned subsidiary of Ameriprise Financial, Inc. ("Ameriprise Financial"). The Company issues insurance and annuity products to customers in the State of New York.

The accompanying financial statements are prepared in accordance with U.S. generally accepted accounting principles ("GAAP") which vary in certain respects from reporting practices prescribed or permitted by the New York State Department of Financial Services ("New York Department") (the Company's primary regulator) as described in Note 14. Certain reclassifications of prior period amounts have been made to conform with the current presentation.

The Company evaluated events or transactions that occurred after the balance sheet date for potential recognition or disclosure through April 22, 2026, the date the financial statements were issued. No subsequent events or transactions requiring recognition or disclosure were identified.

The Company's operations constitute a single operating segment, and therefore a single reportable segment, as the chief operating decision maker ("CODM") manages the business activities using information of the Company as a whole. As its CODM, the Company's President and Chief Executive Officer utilizes the Statements of Income and its net income metric to allocate resources and assess performance of the Company. The accounting policies used to measure the profit and loss of the segment are the same as those described in Note 2.

The Company's principal products are variable annuities, universal life ("UL") insurance, including indexed universal life ("IUL") and variable universal life ("VUL") insurance, which are issued primarily to individuals. Waiver of premium and accidental death benefit riders are generally available with UL products, in addition to other benefit riders. Variable annuity contract purchasers can choose to add an optional guaranteed minimum death benefit ("GMDB") rider to their contract.

The Company also offers payout annuities, term life insurance and disability income ("DI") insurance.

The Company's business is sold through the advisor network of Ameriprise Financial Services, LLC ("AFS"), a subsidiary of Ameriprise Financial. RiverSource Distributors, Inc., a subsidiary of Ameriprise Financial, serves as the principal underwriter and distributor of variable annuity and life insurance products issued by the Company.

2. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

#### Amounts Based on Estimates and Assumptions
Accounting estimates are an integral part of the financial statements. In part, they are based upon assumptions concerning future events. Among the more significant are those that relate to investment securities valuation and the recognition of credit losses or impairments, valuation of derivative instruments, litigation reserves, future policy benefits, market risk benefits, and income taxes and the recognition of deferred tax assets and liabilities. These accounting estimates reflect the best judgment of management and actual results could differ.

#### Investments
*Available-for-Sale Securities* 

Available-for-Sale securities are carried at fair value with unrealized gains (losses) recorded in accumulated other comprehensive income (loss) ("AOCI"), net of impacts to benefit reserves, reinsurance recoverables and income taxes. Gains and losses are recognized on a trade date basis in the Statements of Income upon disposition of the securities.

Available-for-Sale securities are impaired when the fair value of an investment is less than its amortized cost. When an Available-for-Sale security is impaired, the Company first assesses whether or not: (i) it has the intent to sell the security (i.e., made a decision to sell) or (ii) it is more likely than not that the Company will be required to sell the security before its anticipated recovery. If either of these conditions exist, the Company recognizes an impairment by reducing the book value of the security for the difference between the investment's amortized cost and its fair value with a corresponding charge to earnings. Subsequent increases in the fair value of Available-for-Sale securities that occur in periods after a write-down has occurred are recorded as unrealized gains in other comprehensive income (loss) ("OCI"), while subsequent decreases in fair value would continue to be recorded as reductions of book value with a charge to earnings.

For securities that do not meet the above criteria, the Company determines whether the decrease in fair value is due to a credit loss or due to other factors. The amount of impairment due to credit-related factors, if any, is recognized as an allowance for credit losses with a related charge to Net realized investment gains (losses). The allowance for credit losses is limited to the amount by which the security's amortized cost basis exceeds its fair value. The amount of the impairment related to other factors is recognized in OCI.

#### F-7

------

*RiverSource Life Insurance Co. of New York* 

Factors the Company considers in determining whether declines in the fair value of fixed maturity securities are due to credit-related factors include: (i) the extent to which the market value is below amortized cost; (ii) fundamental analysis of the liquidity, business prospects and overall financial condition of the issuer; and (iii) market events that could impact credit ratings, economic and business climate, litigation and government actions, and similar external business factors.

If through subsequent evaluation there is a sustained increase in cash flows expected, both the allowance and related charge to earnings may be reversed to reflect the increase in expected principal and interest payments.

In order to determine the amount of the credit loss component for corporate debt securities, a best estimate of the present value of cash flows expected to be collected discounted at the security's effective interest rate is compared to the amortized cost basis of the security. The significant inputs to cash flow projections consider potential debt restructuring terms, projected cash flows available to pay creditors and the Company's position in the debtor's overall capital structure. When assessing potential credit-related impairments for structured investments (e.g., residential mortgage backed securities, commercial mortgage backed securities and asset backed securities), the Company also considers credit-related factors such as overall deal structure and its position within the structure, quality of underlying collateral, delinquencies and defaults, loss severities, recoveries, prepayments and cumulative loss projections.

Management has elected to exclude accrued interest in its measurement of the allowance for credit losses for Available-for-Sale securities. Accrued interest on Available-for-Sale securities is recorded as earned in Accrued investment income. Available-for-Sale securities are generally placed on nonaccrual status when the accrued balance becomes 90 days past due or earlier based on management's evaluation of the facts and circumstances of each security under review. All previously accrued interest is reversed through Net investment income.

The Company invests in structured investments which are considered variable interest entities ("VIEs") for which it is not the sponsor. These structured investments typically invest in fixed income instruments and are managed by third parties and include asset backed securities and commercial and residential mortgage backed securities. The Company classifies these investments as Available-for-Sale securities. The Company has determined that it is not the primary beneficiary of these structures due to the size of the Company's investment in the entities and position in the capital structure of these entities. The Company's maximum exposure to loss as a result of its investment in these structured investments is limited to its amortized cost. The Company has no obligation to provide financial or other support to the structured investments beyond its investment nor has the Company provided any support to the structured investments. See Note 5 for additional information on these structured investments.

#### Financing Receivables
Financing receivables are comprised of mortgage loans and policy loans.

*Mortgage Loans* 

Mortgage loans are loans on commercial properties that are originated by the Company and are recorded at amortized cost less the allowance for credit losses.

Interest income is accrued as earned on the unpaid principal balances of the loans. Interest income recognized on mortgage loans is recorded in Net investment income.

*Policy Loans* 

Policy loans do not exceed the cash surrender value at origination. As there is minimal risk of loss related to policy loans, there is no allowance for credit losses.

Interest income is accrued as earned on the unpaid principal balances of the loans. Interest income recognized on policy loans is recorded in Net investment income.

See Note 6 for additional information on financing receivables.

*Allowance for Credit Losses* 

The allowance for credit losses is a valuation account that is deducted from the amortized cost basis of the financial assets to present the net amount expected to be collected over the asset's expected life, considering past events, current conditions and reasonable and supportable forecasts of future economic conditions. Estimates of expected credit losses consider both historical charge-off and recovery experience as well as current economic conditions and management's expectation of future charge-off and recovery levels. Expected losses related to risks other than credit risk are excluded from the allowance for credit losses. The allowance for credit losses is measured and recorded upon initial recognition of the loan, regardless of whether it is originated or purchased.

The allowance for credit losses for mortgage loans utilizes a probability of default and loss severity approach to estimate lifetime expected credit losses. Actual historical default and loss severity data is adjusted for current conditions and reasonable and supportable forecasts of future economic conditions to develop the probability of default and loss severity assumptions that are applied to the amortized cost basis of the loans over the expected life of each portfolio. The allowance for credit losses on mortgage loans is recorded through provisions charged to Net realized investment gains (losses) and is reduced/increased by net charge-offs/recoveries.

#### F-8

------

*RiverSource Life Insurance Co. of New York* 

Management determines the adequacy of the allowance for credit losses based on the overall loan portfolio composition, recent and historical loss experience, and other pertinent factors, including when applicable, internal risk ratings, loan-to-value ratios, and occupancy rates, along with reasonable and supportable forecasts of economic and market conditions. This evaluation is inherently subjective as it requires estimates, which may be susceptible to significant change. While the Company may attribute portions of the allowance to specific loan pools as part of the allowance estimation process, the entire allowance is available to absorb losses expected over the life of the loan portfolio.

*Nonaccrual Loans* 

Mortgage loans are placed on nonaccrual status when either the collection of interest or principal has become 90 days past due or is otherwise considered doubtful of collection. When a loan is placed on nonaccrual status, unpaid accrued interest is reversed. Interest payments received on loans on nonaccrual status are generally applied to principal unless the remaining principal balance has been determined to be fully collectible. Management has elected to exclude accrued interest in its measurement of the allowance for credit losses for mortgage loans.

*Loan Modifications* 

A loan is modified when the Company makes certain concessionary modifications to contractual terms such as principal forgiveness, interest rate reductions, other-than-insignificant payment delays, and/or term extensions in an attempt to make the loan more affordable to a borrower experiencing financial difficulties. Generally, performance prior to the modification or significant events that coincide with the modification are considered in assessing whether the borrower can meet the new terms which may result in the loan being returned to accrual status at the time of the modification or after a performance period. If the borrower's ability to meet the revised payment schedule is not reasonably assured, the loan remains on nonaccrual status.

*Charge-off and Foreclosure* 

Charge-offs are recorded when the Company concludes that all or a portion of the mortgage loan is uncollectible. Factors used by the Company to determine whether all amounts due on mortgage loans will be collected, include but are not limited to, the financial condition of the borrower, performance of the underlying properties, collateral and/or guarantees on the loan, and the borrower's estimated future ability to pay based on property type and geographic location.

If it is determined that foreclosure on a mortgage loan is probable and the fair value is less than the current loan balance, expected credit losses are measured as the difference between the amortized cost basis of the asset and fair value less estimated costs to sell, if applicable. Upon foreclosure, the mortgage loan and related allowance are reversed, and the foreclosed property is recorded as real estate owned within Other assets.

#### Cash and Cash Equivalents
Cash equivalents include highly liquid investments with original or remaining maturities at the time of purchase of 90 days or less.

#### Reinsurance
The Company cedes insurance risk to other insurers under reinsurance agreements.

Reinsurance premiums paid and benefits received are accounted for consistently with the basis used in accounting for the policies from which risk is reinsured and consistently with the terms of the reinsurance contracts. Reinsurance premiums paid for traditional life, long term care ("LTC") and DI insurance and life contingent payout annuities, net of the change in any prepaid reinsurance asset, are reported as a reduction of Premiums. Reinsurance recoveries are reported as components of Benefits, claims, losses and settlement expenses.

UL and VUL reinsurance premiums are reported as a reduction of Policy and contract charges. In addition, for UL and VUL insurance policies, the net cost of reinsurance ceded, which represents the discounted amount of the expected cash flows between the reinsurer and the Company, is classified as an asset and amortized based on estimated gross profits over the period the reinsurance policies are in force. Changes in the net cost of reinsurance are reflected as a component of Policy and contract charges.

Insurance liabilities are reported before the effects of reinsurance. Policyholder account balances, future policy benefits and claims recoverable under reinsurance contracts are recorded within Reinsurance recoverables, net of the allowance for credit losses. The Company evaluates the financial condition of its reinsurers prior to entering into new reinsurance contracts and on a periodic basis during the contract term. The allowance for credit losses related to reinsurance recoverable is based on applying observable industry data including insurer ratings, default and loss severity data to the Company's reinsurance recoverable balances. Management evaluates the results of the calculation and considers differences between the industry data and the Company's data. Such differences include that the Company has no actual history of significant losses and that industry data may contain non-life insurers. This evaluation is inherently subjective as it requires estimates, which may be susceptible to significant change given the long-term nature of these receivables. The allowance for credit losses on reinsurance recoverable is recorded through provisions charged to Benefits, claims, losses and settlement expenses.

#### F-9

------

*RiverSource Life Insurance Co. of New York* 

The Company also assumes life insurance risk from other insurers in limited circumstances. Reinsurance premiums received and benefits paid are accounted for consistently with the basis used in accounting for the policies from which risk is reinsured and consistently with the terms of the reinsurance contracts. Liabilities for assumed business are recorded within Policyholder account balances, future policy benefits and claims.

See Note 8 for additional information on reinsurance.

#### Derivative Instruments and Hedging Activities
Freestanding derivative instruments are recorded at fair value and are reflected in Other assets or Other liabilities. The Company's policy is to not offset fair value amounts recognized for derivatives and collateral arrangements executed with the same counterparty under the same master netting arrangement. The accounting for changes in the fair value of a derivative instrument depends on its intended use and the resulting hedge designation, if any. The Company primarily uses derivatives as economic hedges that are not designated as accounting hedges or do not qualify for hedge accounting treatment.

Derivative instruments that are entered into for hedging purposes are designated as such at the time the Company enters into the contract. For all derivative instruments that are designated for hedging activities, the Company documents all of the hedging relationships between the hedge instruments and the hedged items at the inception of the relationships. Management also documents its risk management objectives and strategies for entering into the hedge transactions. The Company assesses, at inception and on a quarterly basis, whether derivatives designated as hedges are highly effective in offsetting the fair value or cash flows of hedged items. If it is determined that a derivative is no longer highly effective as a hedge, the Company will discontinue the application of hedge accounting.

For derivative instruments that do not qualify for hedge accounting or are not designated as accounting hedges, changes in fair value are recognized in current period earnings. Changes in fair value of derivatives are presented in the Statements of Income based on the nature and use of the instrument. Changes in fair value of derivatives used as economic hedges are presented in the Statements of Income with the corresponding change in the hedged asset or liability.

The equity component of IUL obligations is considered an embedded derivative.

See Note 12 for information regarding the Company's fair value measurement of derivative instruments and Note 16 for the impact of derivatives on the Statements of Income.

#### Market Risk Benefits
Market risk benefits are contracts or contract features that both provide protection to the contractholder from other-than-nominal capital market risk and expose the Company to other-than-nominal capital market risk. Market risk benefits include certain contract features on variable annuity products that provide minimum guarantees to contractholders. Guarantees accounted for as market risk benefits include GMDB, guaranteed minimum income benefit ("GMIB"), guaranteed minimum withdrawal benefits ("GMWB") and guaranteed minimum accumulation benefits ("GMAB"). If a contract contains multiple market risk benefits, those market risk benefits are bundled together as a single compound market risk benefit.

Market risk benefits are measured at fair value, at the individual contract level, using a non-option-based valuation approach or an option-based valuation approach dependent upon the fee structure of the contract. Changes in fair value are recognized in net income each period with the exception of the portion of the change in fair value due to a change in the instrument-specific credit risk, which is recognized in OCI.

**Deferred Acquisition Costs** 

The Company incurs costs in connection with acquiring new and renewal insurance and annuity businesses. The portion of these costs which are incremental and direct to the acquisition of a new or renewal insurance policy or annuity contract are deferred. Significant costs capitalized include sales based compensation related to the acquisition of new and renewal insurance policies and annuity contracts, medical inspection costs for successful sales, and a portion of employee compensation and benefit costs based upon the amount of time spent on successful sales. Sales based compensation paid to Ameriprise Financial's advisors and employees and third-party distributors is capitalized. Employee compensation and benefits costs which are capitalized relate primarily to sales efforts, underwriting and processing. All other costs which are not incremental direct costs of acquiring an insurance policy or annuity contract are expensed as incurred. The deferred acquisition costs ("DAC") associated with insurance policies or annuity contracts that are significantly modified or internally replaced with another contract are accounted for as write-offs. These transactions are anticipated in establishing amortization periods and other valuation assumptions.

The Company monitors other DAC amortization assumptions, such as persistency, mortality, morbidity, and variable annuity benefit utilization each quarter and, when assessed independently, each could impact the Company's DAC balances. Unamortized DAC is reduced for actual experience in excess of expected experience.

The analysis of DAC balances and the corresponding amortization considers all relevant factors and assumptions described previously. Unless the Company's management identifies a significant deviation over the course of the quarterly monitoring, management reviews and updates these DAC amortization assumptions annually in the third quarter of each year.

#### F-10

------

*RiverSource Life Insurance Co. of New York* 

DAC is amortized on a constant-level basis for the grouped contracts over the expected contract term to approximate straight-line amortization. Contracts are grouped by contract type and issue year into cohorts consistent with the grouping used in estimating the associated liability for future policy benefits. DAC related to all long-duration product types (except for life contingent payout annuities) is grouped on a calendar-year annual basis for each legal entity. Further disaggregation is reported for any contracts that include an additional liability for death or other insurance benefit. DAC related to life contingent payout annuities is grouped on a calendar-year annual basis for each legal entity for policies issued prior to 2021 and on a quarterly basis for each legal entity thereafter.

DAC related to annuity products (including variable deferred annuities, fixed deferred annuities, and life contingent payout annuities) is amortized based on initial premium. DAC related to life insurance products (including UL insurance, VUL insurance, IUL insurance, term life insurance, and whole life insurance) is amortized based on original specified amount (i.e., face amount). DAC related to DI insurance is amortized based on original monthly benefit.

The accounting contract term for annuity products (except for life contingent payout annuities) is the projected accumulation period. Life contingent payout annuities are amortized over the period which annuity payments are expected to be paid. The accounting contract term for life insurance products is the projected life of the contract. DI insurance is amortized over the projected life of the contract, including the claim paying period.

#### Deferred Sales Inducement Costs
Deferred sales inducements are contract features that are intended to attract new customers or to persuade existing customers to keep their current policy. Sales inducement costs consist of bonus interest credits and premium credits added to certain annuity contract and insurance policy values. These benefits are capitalized to the extent they are incremental to amounts that would be credited on similar contracts without the applicable feature. The amounts capitalized are amortized on a constant level basis using the same methodology and assumptions used to amortize DAC. Deferred sales inducement costs ("DSIC") is recorded in Other assets and amortization of DSIC is recorded in Benefits, claims, losses and settlement expenses.

#### Separate Account Assets and Liabilities
Separate account assets represent funds held for the benefit of, and Separate account liabilities represent the obligation to, the variable annuity contractholders and variable life insurance policyholders who have a contractual right to receive the benefits of their contract or policy and bear the related investment risk. Gains and losses on separate account assets accrue directly to the contractholder or policyholder and are not reported in the Company's Statements of Income. Separate account assets are recorded at fair value and Separate account liabilities are equal to the assets recognized.

#### Policyholder Account Balances, Future Policy Benefits and Claims
The Company establishes reserves to cover the benefits associated with non-traditional and traditional long-duration products. Non-traditional long-duration products include variable annuity contracts, fixed annuity contracts and UL and VUL policies. Traditional long-duration products include term life, whole life, DI and LTC insurance products and life contingent payout annuity products.

*Non-Traditional Long-Duration Products* 

The liabilities for non-traditional long-duration products include fixed account values on variable and fixed annuities and UL and VUL policies, non-life contingent payout annuities, liabilities for guaranteed benefits associated with variable annuities and embedded derivatives for IUL products.

Liabilities for fixed account values on variable annuities, fixed deferred annuities, and UL and VUL policies are equal to accumulation values, which are the cumulative gross deposits and credited interest less withdrawals and various charges. The liability for non-life contingent payout annuities is recognized as the present value of future payments using the effective yield at inception of the contract.

A portion of the Company's UL and VUL policies have product features that result in profits followed by losses from the insurance component of the contract. These profits followed by losses can be generated by the cost structure of the product or secondary guarantees in the contract. The secondary guarantee ensures that, subject to specified conditions, the policy will not terminate and will continue to provide a death benefit even if there is insufficient policy value to cover the monthly deductions and charges. The liability for these future losses is determined at the reporting date by estimating the death benefits in excess of account value and recognizing the excess over the estimated life based on expected assessments (e.g. cost of insurance charges, contractual administrative charges, similar fees and investment margin). See Note 9 for information regarding the liability for contracts with secondary guarantees. Liabilities for IUL products are equal to the accumulation of host contract values, guaranteed benefits, and the fair value of embedded derivatives.

See Note 11 for information regarding variable annuity guarantees.

#### F-11

------

*RiverSource Life Insurance Co. of New York* 

*Embedded Derivatives* 

The fair value of embedded derivatives related to IUL fluctuate based on equity markets and interest rates and the estimate of the Company's nonperformance risk and is recorded in Policyholder account balances, future policy benefits and claims. See Note 12 for information regarding the fair value measurement of embedded derivatives.

*Traditional Long-Duration Products* 

The liability for future policy benefits for traditional long-duration products include cash flows related to unpaid amounts on reported claims, estimates of benefits payable on claims incurred but not yet reported and estimates of benefits that will become payable on term life, whole life, DI and LTC insurance policies and life contingent payout annuity policies as claims are incurred in the future. A liability for future policy benefits, which is the present value of estimated future policy benefits to be paid to or on behalf of policyholders and certain related expenses less the present value of estimated future net premiums to be collected from policyholders, is accrued as premium revenue is recognized. Expected insurance benefits are accrued over the life of the contract in proportion to premium revenue recognized (referred to as the net premium approach). The net premium ratio reflects cash flows from contract inception to contract termination (i.e., through the claim paying period) and cannot exceed 100%.

Assumptions utilized in the net premium approach, including mortality, morbidity, and terminations, are reviewed as part of experience studies at least annually or more frequently if suggested by evidence. Expense assumptions and actual expenses are updated within the net premium calculation consistent with other policyholder assumptions.

The updated cash flows used in the calculation are discounted using a forward rate curve. The discount rate represents an upper-medium-grade (i.e., low credit risk) fixed-income instrument yield (i.e., an A rating) that reflects the duration characteristics of the liability. Discount rates are locked in annually, at the end of each year for all products, except life contingent payout annuities, and calculated as the monthly average discount rate curves for the year. For life contingent payout annuities, the discount rates are locked in quarterly at the end of each quarter based on the average of the three months for the quarter.

The liability for future policy benefits will be updated for actual experience at least on an annual basis and concurrent with changes to cash flow assumptions. When net premiums are updated for cash flow changes, the estimated cash flows over the entire life of a group of contracts are updated using historical experience and updated future cash flow assumptions.

The revised net premiums are used to calculate an updated liability for future policy benefits as of the beginning of the reporting period, discounted at the original locked in rate (i.e., contract issuance rate). The updated liability for future policy benefits as of the beginning of the reporting period is then compared with the carrying amount of the liability as of that date prior to updating cash flow assumptions to determine the current period remeasurement gain or loss reflected in current period earnings. The revised net premiums are then applied as of the beginning of the quarter to calculate the benefit expense for the current reporting period.

The difference between the updated carrying amount of the liability for future policy benefits measured using the current discount rate assumption and the original discount rate assumption is recognized in OCI. The interest accretion rate remains the original discount rate used at contract issue date.

If the updating of cash flow assumptions results in the present value of future benefits and expenses exceeding the present value of future gross premiums, a charge to net income is recorded for the current reporting period such that net premiums are set equal to gross premiums. In subsequent periods, the liability for future policy benefits is accrued with net premiums set equal to gross premiums.

Contracts (except for life contingent payout annuities sold subsequent to December 31, 2020) are grouped into cohorts by contract type and issue year, as well as by legal entity and reportable segment. Life contingent payout annuities sold in periods beginning in 2021 are grouped into quarterly cohorts.

See Note 9 for information regarding the liabilities for traditional long-duration products.

*Deferred Profit Liability* 

For limited-payment products, gross premiums received in excess of net premiums are deferred at initial recognition as a deferred profit liability ("DPL"). Gross premiums are measured using assumptions consistent with those used in the measurement of the liability for future policy benefits, including discount rate, mortality, lapses and expenses.

The DPL is amortized and recognized as premium revenue in proportion to expected future benefit payments from annuity contracts. Interest is accreted on the balance of the DPL using the discount rate determined at contract issuance. The Company reviews and updates its estimate of cash flows from the DPL at the same time as the estimates of cash flows for the liability for future policy benefits. When cash flows are updated, the updated estimates are used to recalculate the DPL at contract issuance. The recalculated DPL as of the beginning of the current reporting period is compared to the carrying amount of the DPL as of the beginning of the current reporting period, and any difference is recognized as either a charge or credit to premium revenue.

DPL is recorded in Policyholder account balances, future policy benefits and claims and included as a reconciling item within Note 9.

#### F-12

------

*RiverSource Life Insurance Co. of New York* 

#### Unearned Revenue Liability
The Company's UL and VUL policies require payment of fees or other policyholder assessments in advance for services to be provided in future periods. These charges are deferred as unearned revenue and amortized using the same assumptions and factors used to amortize DAC. The unearned revenue liability is recorded in Other liabilities and the amortization is recorded in Policy and contract charges.

#### Income Taxes
The Company qualifies as a life insurance company for federal income tax purposes. As such, the Company is subject to the Internal Revenue Code provisions applicable to life insurance companies.

The Company's taxable income is included in the consolidated federal income tax return of Ameriprise Financial. The Company provides for income taxes on a separate return basis, except that, under an agreement between Ameriprise Financial and the Company, tax benefits are recognized for losses to the extent they can be used in the consolidated return. It is the policy of Ameriprise Financial that it will reimburse its subsidiaries for any tax benefits recorded. The controlled group for which the Company is a member is an applicable corporation with regard to the corporate alternative minimum tax ("CAMT") and is therefore required to compute the CAMT. In accordance with the tax sharing agreement, Ameriprise Financial will be liable for any CAMT liability and expense.

The Company's provision for income taxes represents the net amount of income taxes that the Company expects to pay or to receive from various taxing jurisdictions in connection with its operations. The Company provides for income taxes based on amounts that the Company believes it will ultimately owe taking into account the recognition and measurement for uncertain tax positions. Inherent in the provision for income taxes are estimates and judgments regarding the tax treatment of certain items.

In connection with the provision for income taxes, the financial statements reflect certain amounts related to deferred tax assets and liabilities, which result from temporary differences between the assets and liabilities measured for financial statement purposes versus the assets and liabilities measured for tax return purposes.

The Company is required to establish a valuation allowance for any portion of its deferred tax assets that management believes will not be realized. Significant judgment is required in determining if a valuation allowance should be established and the amount of such allowance if required. Factors used in making this determination include estimates relating to the performance of the business. Consideration is given to, among other things in making this determination: (i) future taxable income exclusive of reversing temporary differences and carryforwards; (ii) future reversals of existing taxable temporary differences; (iii) taxable income in prior carryback years; and (iv) tax planning strategies. Management may need to identify and implement appropriate planning strategies to ensure its ability to realize deferred tax assets and reduce the likelihood of the establishment of a valuation allowance with respect to such assets. See Note 18 for additional information on the Company's valuation allowance.

Changes in tax rates and tax law are accounted for in the period of enactment. Deferred tax assets and liabilities are adjusted for the effect of a change in tax laws or rates and the effect is included in net income.

#### Revenue Recognition
Premiums on traditional life, DI and LTC insurance products and life contingent payout annuities are net of reinsurance ceded and are recognized as revenue when due.

Interest income is accrued as earned using the effective interest method, which makes an adjustment of the yield for security premiums and discounts on all performing fixed maturity securities classified as Available-for-Sale so that the related security or loan recognizes a constant rate of return on the outstanding balance throughout its term. When actual prepayments differ significantly from originally anticipated prepayments, the retrospective effective yield is recalculated to reflect actual payments to date and updated future payment assumptions and a catch-up adjustment is recorded in the current period. In addition, the new effective yield, which reflects anticipated future payments, is used prospectively.

Mortality and expense risk fees are generally calculated as a percentage of the fair value of assets held in separate accounts and recognized when assessed. Variable annuity guaranteed benefit rider charges and cost of insurance charges on UL and VUL insurance and contract charges (net of reinsurance premiums and cost of reinsurance for UL insurance products) and surrender charges on annuities and UL and VUL insurance are recognized as revenue when assessed. These fees and charges are recorded in Policy and contract charges.

Realized gains and losses on the sale of securities, other than equity method investments, are recognized using the specific identification method on a trade date basis.

Fees received under marketing support and distribution services arrangements are recognized as revenue when earned.

See Note 4 for further discussion of accounting policies on revenue from contracts with customers.

#### F-13

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*RiverSource Life Insurance Co. of New York* 

3. RECENT ACCOUNTING PRONOUNCEMENTS

#### Adoption of New Accounting Standards
*Income Taxes — Improvements to Income Tax Disclosures* 

In December 2023, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") 2023-09, *Improvements to Income Tax Disclosures*, updating the accounting standards related to income tax disclosures, primarily focused on the disaggregation of income taxes paid and the rate reconciliation table. The standard is to be applied prospectively with an option for retrospective application and is effective for annual periods beginning after December 15, 2024. The Company elected retrospective application and adopted the standard on January 1, 2025. The adoption of the standard did not have an impact on the Company's financial condition and results of operations as the standard is disclosure-related only.

#### Future Adoption of New Accounting Standards
*Expenses — Disaggregation of Income Statement Expenses* 

In November 2024, the FASB issued ASU 2024-03, *Disaggregation of Income Statement Expenses*, requiring public business entities to disclose disaggregated information about certain income statement expense line items. The disaggregated disclosures are required to be in the footnotes to the financial statements on an annual and interim basis. The standard is to be applied prospectively and is effective for annual periods beginning after December 15, 2026, and interim reporting periods beginning after December 15, 2027. The Company is assessing changes to disclosures resulting from the standard. The adoption of the standard will not have an impact on the Company's financial condition and results of operations as the standard is disclosure-related only.

*Financial Instruments — Measurement of Credit Losses for Accounts Receivable and Contract Assets* 

In July 2025, the FASB issued ASU 2025-05, *Measurement of Credit Losses for Accounts Receivable and Contract Assets*, which allows all entities to apply a practical expedient when estimating expected credit losses that assumes current conditions as of the balance sheet date will remain unchanged over the asset's remaining life. The standard is effective for annual periods beginning after December 15, 2025, and interim reporting periods within those years. The adoption of the standard will not have an impact on the Company's financial condition and results of operations.

*Intangibles — Internal-Use Software* 

In September 2025, the FASB issued ASU 2025-06, *Targeted Improvements to the Accounting for Internal-Use Software*, to clarify and modernize the accounting treatment for internal-use software costs by eliminating the use of the sequential software development project stages method and provide further guidance on when an entity is required to start capitalizing eligible costs. Under the new guidance, capitalization begins when both of the following occur: (a) management, with the relevant authority, implicitly or explicitly authorizes and commits to funding a computer software project and (b) it is probable that the project will be completed, and the software will be used to perform the function intended. The Company can elect prospective, retrospective, or modified retrospective adoption. The standard is effective for annual periods beginning after December 15, 2027, and interim reporting periods within those years. The Company is evaluating the impact of the standard on its financial condition and results of operations.

*Financial Instruments — Credit Losses: Purchased Loans* 

In November 2025, the FASB issued ASU 2025-08, *Purchased Loans*, which amends the accounting for certain acquired seasoned loans to require recognizing them at their purchase price plus an allowance for expected credit losses (referred to as the gross-up method). The standard is effective for annual periods beginning after December 15, 2026, including interim periods within those years, and must be applied prospectively. The Company is evaluating the impact of this standard on its financial condition and results of operations.

*Derivatives and Hedging — Hedge Accounting Improvements* 

In November 2025, the FASB issued ASU 2025-09, *Hedge Accounting Improvements*, to make targeted changes within the hedge accounting model. The updates primarily relate to cash flow hedges and certain fair value and net investment hedges. The standard is effective for annual periods beginning after December 15, 2026, including interim periods within those years, and must be applied prospectively. The Company is evaluating the impact of this standard on its financial condition and results of operations.

#### F-14

------

*RiverSource Life Insurance Co. of New York* 

4. REVENUE FROM CONTRACTS WITH CUSTOMERS

The following table presents disaggregated revenue from contracts with customers and a reconciliation to total revenues reported on the Statements of Income:

---

| | | | |
|:---|:---|:---|:---|
| | **Years Ended December 31,** | **Years Ended December 31,** | **Years Ended December 31,** |
| <br>**(in thousands)** | **2025** | **2024** | **2023** |
|  Policy and contract charges |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Affiliated (from Columbia Management Investment Distributors, Inc.) | $9570 | $9678 | $9193 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Unaffiliated | 1040 | 996 | 850 |
|  Total | 10610 | 10674 | 10043 |
|  Other revenues |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Administrative fees |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Affiliated (from Columbia Management Investment Services, Corp.) | 2460 | 2498 | 2317 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Unaffiliated | 1213 | 1172 | 1029 |
|  | 3673 | 3670 | 3346 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Other fees |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Affiliated (from Columbia Management Investment Advisers, LLC ("CMIA")) | 20240 | 19527 | 18482 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Unaffiliated | 285 | 272 | 230 |
|  | 20525 | 19799 | 18712 |
|  Total | 24198 | 23469 | 22058 |
|  Total revenue from contracts with customers | 34808 | 34143 | 32101 |
|  Revenue from other sources<sup>(1)</sup> | 219005 | 224624 | 219936 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total revenues | $253813 | $258767 | $252037 |

---

<sup>(1)</sup> Amounts primarily consist of revenue associated with insurance and annuity products and investment income from financial instruments. 

The following discussion describes the nature, timing, and uncertainty of revenues and cash flows arising from the Company's contracts with customers.

#### Policy and Contract Charges
The Company earns revenue for providing distribution-related services to affiliated and unaffiliated mutual funds that are available as underlying investments in its variable annuity and variable life insurance products. The performance obligation is satisfied at the time the mutual fund is distributed. Revenue is recognized over the time the mutual fund is held in the variable product and is generally earned based on a fixed rate applied, as a percentage, to the net asset value of the fund. The revenue is not recognized at the time of sale because it is variably constrained due to factors outside the Company's control, including market volatility and how long the fund(s) remain in the insurance policy or annuity contract. The revenue will not be recognized until it is probable that a significant reversal will not occur. These fees are accrued and collected on a monthly basis.

#### Other Revenues
*Administrative Fees* 

The Company earns revenue for providing customer support, contract servicing and administrative services for affiliated and unaffiliated mutual funds that are available as underlying instruments in its variable annuity and variable life insurance products. The transfer agent and administration revenue is earned daily based on a fixed rate applied, as a percentage, to assets under management. These performance obligations are considered a series of distinct services that are substantially the same and are satisfied each day over the contract term. These fees are accrued and collected on a monthly basis.

*Other Fees* 

The Company earns revenue for providing affiliated and unaffiliated partners an opportunity to educate the financial advisors of its affiliate, AFS, that sell the Company's products as well as product and marketing personnel to support the offer, sale and servicing of funds within the Company's variable annuity and variable life insurance products. These payments allow the parties to train and support the advisors, explain the features of their products, and distribute marketing and educational materials. The affiliated revenue is earned based on a rate, updated at least annually, which is applied, as a percentage, to the market value of assets invested. The unaffiliated revenue is earned based on a fixed rate applied, as a percentage, to the market value of assets invested. These performance obligations are considered a series of distinct services that are substantially the same and are satisfied each day over the contract term. These fees are accrued and collected on a monthly basis.

#### Receivables
Receivables for revenue from contracts with customers are recognized when the performance obligation is satisfied and the Company has an unconditional right to the revenue. Receivables related to revenues from contracts with customers were $3.4 million and $3.2 million as of December 31, 2025 and 2024, respectively.

#### F-15

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*RiverSource Life Insurance Co. of New York* 

5. INVESTMENTS

Available-for-Sale securities distributed by type were as follows:

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** |
| **Description of Securities (in thousands)** | **Amortized<br>Cost** | **Gross**<br> **Unrealized**<br> **Gains** | **Gross**<br> **Unrealized**<br> **Losses** | **Fair**<br> **Value** |
|  Fixed maturities: |  |  |  |  |
|  Corporate debt securities | $915381 | $21506 | $(55163) | $881724 |
|  Residential mortgage backed securities | 284339 | 806 | (30120) | 255025 |
|  Commercial mortgage backed securities | 232459 | 57 | (14854) | 217662 |
|  State and municipal obligations | 67798 | 4800 | (315) | 72283 |
|  Asset backed securities | 18579 | 466 | (701) | 18344 |
|  Foreign government bonds and obligations | 528 | 91 |  | 619 |
|  U.S. government and agency obligations | 220 | 3 |  | 223 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total | $1519304 | $27729 | $(101153) | $1445880 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** |
| **Description of Securities (in thousands)** | **Amortized<br>Cost** | **Gross**<br> **Unrealized**<br> **Gains** | **Gross**<br> **Unrealized**<br> **Losses** | **Fair**<br> **Value** |
|  Fixed maturities: |  |  |  |  |
|  Corporate debt securities | $902842 | $14151 | $(75598) | $841395 |
|  Residential mortgage backed securities | 264471 | 146 | (40511) | 224106 |
|  Commercial mortgage backed securities | 283246 |  | (25417) | 257829 |
|  State and municipal obligations | 69925 | 3528 | (446) | 73007 |
|  Asset backed securities | 24305 | 544 | (1359) | 23490 |
|  Foreign government bonds and obligations | 531 | 54 |  | 585 |
|  U.S. government and agency obligations | 217 | 1 |  | 218 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total | $1545537 | $18424 | $(143331) | $1420630 |

---

As of December 31, 2025 and 2024, accrued interest of $13.8 million and $13.9 million, respectively, is excluded from the amortized cost basis of Available-for-Sale securities in the tables above and is recorded in Accrued investment income.

As of December 31, 2025 and 2024, fixed maturity securities comprised approximately 89% and 88%, respectively, of the Company's total investments. Rating agency designations are based on the availability of ratings from Nationally Recognized Statistical Rating Organizations ("NRSROs"), including Moody's Investors Service ("Moody's"), Standard & Poor's Ratings Services ("S&P") and Fitch Ratings Ltd. ("Fitch"). The Company uses the median of available ratings from Moody's, S&P and Fitch, or if fewer than three ratings are available, the lower rating is used. When ratings from Moody's, S&P and Fitch are unavailable, the Company may utilize ratings from other NRSROs or rate the securities internally. As of December 31, 2025 and 2024, $4.9 million and $9.4 million, respectively, of securities were internally rated by CMIA, an affiliate of the Company, using criteria similar to those used by NRSROs.

A summary of fixed maturity securities by rating was as follows:

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** |
| <br>**Ratings (in thousands, except percentages)** | **Amortized<br>Cost** | **Fair**<br> **Value** | **Percent of<br>Total Fair<br>Value** | **Amortized<br>Cost** | **Fair**<br> **Value** | **Percent of<br>Total Fair<br>Value** |
|  AAA | $261858 | $247062 | 17% | $295791 | $270009 | 19% |
|  AA | 319545 | 296261 | 21 | 321502 | 285980 | 20 |
|  A | 266064 | 261977 | 18 | 187262 | 181984 | 13 |
|  BBB | 641660 | 612782 | 42 | 707754 | 651579 | 46 |
|  Below investment grade | 30177 | 27798 | 2 | 33228 | 31078 | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total fixed maturities | $1519304 | $1445880 | 100% | $1545537 | $1420630 | 100% |

---

As of December 31, 2025 and 2024, approximately 76% and 74% of securities rated AA were GNMA, FNMA and FHLMC mortgage backed securities, respectively. No holdings of any issuer were greater than 10% of the Company's total shareholder's equity as of both December 31, 2025 and 2024.

#### F-16

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*RiverSource Life Insurance Co. of New York* 

The following tables summarize the fair value and gross unrealized losses on Available-for-Sale securities, aggregated by major investment type and the length of time that individual securities have been in a continuous unrealized loss position for which no allowance for credit losses has been recorded:

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** |
| | **Less than 12 Months** | **Less than 12 Months** | **Less than 12 Months** | **12 Months or More** | **12 Months or More** | **12 Months or More** | **Total** | **Total** | **Total** |
| <br>**Description of Securities**<br> **(in thousands, except number of securities)** | **Number of<br>Securities** | **Fair**<br> **Value** | **Unrealized<br>Losses** | **Number of<br>Securities** | **Fair**<br> **Value** | **Unrealized<br>Losses** | **Number of<br>Securities** | **Fair**<br> **Value** | **Unrealized<br>Losses** |
|  Corporate debt securities | 17 | $62861 | $(4605) | 133 | $497497 | $(50558) | 150 | $560358 | $(55163) |
|  Residential mortgage backed securities | 1 | 297 | (1) | 56 | 204887 | (30119) | 57 | 205184 | (30120) |
|  Commercial mortgage backed securities |  |  |  | 69 | 209765 | (14854) | 69 | 209765 | (14854) |
|  State and municipal obligations | 2 | 1280 | (34) | 6 | 4319 | (281) | 8 | 5599 | (315) |
|  Asset backed securities |  |  |  | 8 | 16368 | (701) | 8 | 16368 | (701) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total | 20 | $64438 | $(4640) | 272 | $932836 | $(96513) | 292 | $997274 | $(101153) |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** |
| | Less than 12 Months | Less than 12 Months | Less than 12 Months | 12 Months or More | 12 Months or More | 12 Months or More | Total | Total | Total |
| <br>**Description of Securities**<br> **(in thousands, except number of securities)** | **Number of<br>Securities** | **Fair**<br> **Value** | **Unrealized<br>Losses** | **Number of<br>Securities** | **Fair**<br> **Value** | **Unrealized<br>Losses** | **Number of<br>Securities** | **Fair**<br> **Value** | **Unrealized<br>Losses** |
|  Corporate debt securities | 45 | $160846 | $(7630) | 151 | $515598 | $(67968) | 196 | $676444 | $(75598) |
|  Residential mortgage backed securities | 2 | 2242 | (94) | 56 | 215835 | (40417) | 58 | 218077 | (40511) |
|  Commercial mortgage backed securities |  |  |  | 86 | 257829 | (25417) | 86 | 257829 | (25417) |
|  State and municipal obligations | 5 | 3860 | (63) | 9 | 6372 | (383) | 14 | 10232 | (446) |
|  Asset backed securities |  |  |  | 9 | 18493 | (1359) | 9 | 18493 | (1359) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total | 52 | $166948 | $(7787) | 311 | $1014127 | $(135544) | 363 | $1181075 | $(143331) |

---

As part of the Company's ongoing monitoring process, management determined that the decrease in total gross unrealized losses on its Available-for-Sale securities for which an allowance for credit losses has not been recognized during the year ended December 31, 2025 is primarily attributable to interest rate movements and tightening of credit spreads. As of December 31, 2025, the Company did not recognize these unrealized losses in earnings because it was determined that such losses were due to non-credit factors. The Company does not intend to sell these securities and does not believe that it is more likely than not that the Company will be required to sell these securities before the anticipated recovery of the remaining amortized cost basis. As of December 31, 2025 and 2024, approximately 92% and 93%, respectively, of the total of Available-for-Sale securities with gross unrealized losses were considered investment grade.

The following table presents a rollforward of the allowance for credit losses on Available-for-Sale securities:

---

| | |
|:---|:---|
| **(in thousands)** | **Corporate Debt<br>Securities** |
|  Balance at January 1, 2023 | $572 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Additions for which credit losses were not previously recorded | 365 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Reductions for securities sold during the period (realized) | (458) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Additional increases (decreases) on securities that had an allowance recorded in a previous period | (114) |
|  Balance at December 31, 2023 | 365 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Reductions for securities sold during the period (realized) | (389) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Additional increases (decreases) on securities that had an allowance recorded in a previous period | 24 |
|  Balance at December 31, 2024 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Additional increases (decreases) on securities that had an allowance recorded in a previous period |  |
|  Balance at December 31, 2025 | $— |

---

Net realized gains and losses on Available-for-Sale securities, determined using the specific identification method, recognized in Net realized investment gains (losses) were as follows:

---

| | | | |
|:---|:---|:---|:---|
| | **Years Ended December 31,** | **Years Ended December 31,** | **Years Ended December 31,** |
| <br>**(in thousands)** | **2025** | **2024** | **2023** |
|  Gross realized investment gains | $757 | $403 | $93 |
|  Gross realized investment losses | (2392) | (1317) | (524) |
|  Credit reversals (losses) |  | 365 | 207 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total | $(1635) | $(549) | $(224) |

---

#### F-17

------

*RiverSource Life Insurance Co. of New York* 

For the year ended December 31, 2024, net credit reversals primarily related to the sale of a previously impaired corporate debt security in the communications industry. For the year ended December 31, 2023, net credit reversals primarily related to the reversal of a previously recorded allowance for credit losses due to the sale of a corporate debt security in the communications industry partially offset by recording an allowance for credit losses of another corporate debt security in the communications industry.

See Note 17 for a rollforward of net unrealized investment gains (losses) included in AOCI.

Available-for-Sale securities by contractual maturity as of December 31, 2025 were as follows:

---

| | | |
|:---|:---|:---|
| **(in thousands)** | **Amortized**<br> **Cost** | **Fair**<br> **Value** |
|  Due within one year | $37063 | $36883 |
|  Due after one year through five years | 136629 | 131741 |
|  Due after five years through 10 years | 218565 | 204045 |
|  Due after 10 years | 591670 | 582180 |
|  | 983927 | 954849 |
|  Residential mortgage backed securities | 284339 | 255025 |
|  Commercial mortgage backed securities | 232459 | 217662 |
|  Asset backed securities | 18579 | 18344 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total | $1519304 | $1445880 |

---

Actual maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations. Residential mortgage backed securities, commercial mortgage backed securities and asset backed securities are not due at a single maturity date. As such, these securities were not included in the maturities distribution.

The following is a summary of Net investment income:

---

| | | | |
|:---|:---|:---|:---|
| | **Years Ended December 31,** | **Years Ended December 31,** | **Years Ended December 31,** |
| <br>**(in thousands)** | **2025** | **2024** | **2023** |
|  Available-for-Sale securities | $64083 | $65545 | $66737 |
|  Mortgage loans | 5087 | 5649 | 6080 |
|  Other investments | 12130 | 13094 | 13384 |
|  | 81300 | 84288 | 86201 |
|  Less: investment expenses | 1423 | 1471 | 1616 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total | $79877 | $82817 | $84585 |

---

Net realized investment gains (losses) are summarized as follows:

---

| | | | |
|:---|:---|:---|:---|
| | **Years Ended December 31,** | **Years Ended December 31,** | **Years Ended December 31,** |
| <br>**(in thousands)** | **2025** | **2024** | **2023** |
|  Fixed maturities | $(1635) | $(549) | $(224) |
|  Mortgage loans | 108 | 130 | 411 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total | $(1527) | $(419) | $187 |

---

6. FINANCING RECEIVABLES

Financing receivables are comprised of mortgage loans and policy loans. See Note 2 for information regarding the Company's accounting policies related to financing receivables and the allowance for credit losses.

#### Allowance for Credit Losses
The following table presents a rollforward of the allowance for credit losses:

---

| | |
|:---|:---|
| **(in thousands)** | **Mortgage<br>Loans** |
|  Balance at January 1, 2023 | $965 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Provisions | (411) |
|  Balance at December 31, 2023 | 554 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Provisions | (130) |
|  Balance at December 31, 2024 | 424 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Provisions | (108) |
|  Balance at December 31, 2025 | $316 |

---

As of December 31, 2025 and 2024, accrued interest on mortgage loans was $387 thousand and $432 thousand, respectively, and is recorded in Accrued investment income and excluded from the amortized cost basis of mortgage loans.

#### F-18

------

*RiverSource Life Insurance Co. of New York* 

#### Credit Quality Information
There were no nonperforming loans as of both December 31, 2025 and 2024.

#### Mortgage Loans
The Company reviews the credit worthiness of the borrower and the performance of the underlying properties in order to determine the risk of loss on mortgage loans. Loan-to-value ratio is the primary credit quality indicator included in this review.

Based on this review, the mortgage loans are assigned an internal risk rating, which management updates when credit risk changes. There were no mortgage loans which management has assigned its highest risk rating as of both December 31, 2025 and 2024. Loans with the highest risk rating represent distressed loans which the Company has identified as impaired or expects to become delinquent or enter into foreclosure within the next six months. There were no mortgage loans past due as of both December 31, 2025 and 2024.

The tables below present the amortized cost basis of mortgage loans by year of origination and loan-to-value ratio:

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** |
| <br>**(in thousands)** | **2025** | **2024** | **2023** | **2022** | **2021** | **Prior** | **Total** |
|  **Loan-to-Value Ratio** |  |  |  |  |  |  |  |
|  >100% | $— | $— | $— | $— | $— | $— | $— |
|  80% – 100% |  |  |  |  |  |  |  |
|  60% – 80% |  | 2932 |  | 5144 |  | 7137 | 15213 |
|  40% – 60% |  |  |  | 2620 | 2333 | 18603 | 23556 |
|  <40% |  |  | 1306 |  | 2777 | 74239 | 78322 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;— | $2932 | $1306 | $7764 | $5110 | $99979 | $117091 |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** |
| <br>**(in thousands)** | **2024** | **2023** | **2022** | **2021** | **2020** | **Prior** | **Total** |
|  **Loan-to-Value Ratio** |  |  |  |  |  |  |  |
|  >100% | $— | $— | $— | $— | $— | $— | $— |
|  80% – 100% |  |  |  |  |  |  |  |
|  60% – 80% | 2987 |  | 4111 |  | 5418 | 5108 | 17624 |
|  40% – 60% |  |  | 2755 | 2384 | 6366 | 28864 | 40369 |
|  <40% |  | 1414 | 1100 | 2881 | 8324 | 59538 | 73257 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total | $2987 | $1414 | $7966 | $5265 | $20108 | $93510 | $131250 |

---

Loan-to-value ratio is based on income and expense data provided by borrowers at least annually and long-term capitalization rate assumptions based on property type.

In addition, the Company reviews the concentrations of credit risk by region and property type. Concentrations of credit risk of mortgage loans by U.S. region were as follows:

---

| | | | | |
|:---|:---|:---|:---|:---|
| | **Loans** | **Loans** | **Percentage** | **Percentage** |
| | **December 31,** | **December 31,** | **December 31,** | **December 31,** |
| <br>**(in thousands)** | **2025** | **2024** | **2025** | **2024** |
|  East North Central | $9864 | $10463 | 8% | 8% |
|  East South Central | 4121 | 4520 | 4 | 3 |
|  Middle Atlantic | 14388 | 15236 | 12 | 12 |
|  Mountain | 11335 | 15563 | 10 | 12 |
|  New England | 3233 | 3382 | 3 | 3 |
|  Pacific | 36974 | 41816 | 32 | 32 |
|  South Atlantic | 24835 | 26828 | 21 | 20 |
|  West North Central | 7442 | 8202 | 6 | 6 |
|  West South Central | 4899 | 5240 | 4 | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total | $117091 | $131250 | 100% | 100% |

---

#### F-19

------

*RiverSource Life Insurance Co. of New York* 

Concentrations of credit risk of mortgage loans by property type were as follows:

---

| | | | | |
|:---|:---|:---|:---|:---|
| | **Loans** | **Loans** | **Percentage** | **Percentage** |
| | **December 31,** | **December 31,** | **December 31,** | **December 31,** |
| <br>**(in thousands)** | **2025** | **2024** | **2025** | **2024** |
|  Apartments | $38002 | $42598 | 32% | 33% |
|  Industrial | 22212 | 23951 | 19 | 18 |
|  Mixed use | 5260 | 5575 | 4 | 4 |
|  Office | 11255 | 16088 | 10 | 12 |
|  Retail | 32613 | 34710 | 28 | 27 |
|  Other | 7749 | 8328 | 7 | 6 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total | $117091 | $131250 | 100% | 100% |

---

#### Policy Loans
Policy loans do not exceed the cash surrender value at origination. As there is minimal risk of loss related to policy loans, there is no allowance for credit losses.

7. DEFERRED ACQUISITION COSTS AND DEFERRED SALES INDUCEMENT COSTS

The following tables summarize the balances of and changes in DAC:

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **(in thousands)** | **Variable<br>Annuities** | **Fixed<br>Annuities** | **Universal<br>Life<br>Insurance** | **Variable<br>Universal<br>Life<br>Insurance** | **Indexed<br>Universal Life<br>Insurance** |
|  Balance at January 1, 2025 | $101018 | $2102 | $5484 | $29889 | $16901 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Capitalization of acquisition costs | 3068 |  | 19 | 3366 | 184 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Amortization | (8574) | (403) | (412) | (2482) | (1253) |
|  Balance at December 31, 2025 | $95512 | $1699 | $5091 | $30773 | $15832 |
| **(in thousands)** | **Other Life<br>Insurance** | **Life<br>Contingent<br>Payout<br>Annuities** | **Term and<br>Whole Life<br>Insurance** | **Disability<br>Income<br>Insurance** | **Total, All<br>Products** |
|  Balance at January 1, 2025 | $71 | $577 | $783 | $4871 | $161696 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Capitalization of acquisition costs |  | 92 | (14) | 192 | 6907 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Amortization | (8) | (40) | (61) | (587) | (13820) |
|  Balance at December 31, 2025 | $63 | $629 | $708 | $4476 | $154783 |
| **(in thousands)** | **Variable<br>Annuities** | **Fixed<br>Annuities** | **Universal<br>Life<br>Insurance** | **Variable<br>Universal<br>Life<br>Insurance** | **Indexed<br>Universal Life<br>Insurance** |
|  Balance at January 1, 2024 | $105559 | $2569 | $5897 | $28611 | $17858 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Capitalization of acquisition costs | 4264 |  | 23 | 3693 | 355 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Amortization | (8805) | (467) | (436) | (2415) | (1312) |
|  Balance at December 31, 2024 | $101018 | $2102 | $5484 | $29889 | $16901 |
| **(in thousands)** | **Other Life<br>Insurance** | **Life<br>Contingent<br>Payout<br>Annuities** | **Term and<br>Whole Life<br>Insurance** | **Disability<br>Income<br>Insurance** | **Total, All<br>Products** |
|  Balance at January 1, 2024 | $79 | $264 | $807 | $5289 | $166933 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Capitalization of acquisition costs |  | 340 | 39 | 195 | 8909 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Amortization | (8) | (27) | (63) | (613) | (14146) |
|  Balance at December 31, 2024 | $71 | $577 | $783 | $4871 | $161696 |

---

#### F-20

------

*RiverSource Life Insurance Co. of New York* 

The following tables summarize the balances of and changes in DSIC:

---

| | | | |
|:---|:---|:---|:---|
| **(in thousands)** | **Variable Annuities** | **Fixed Annuities** | **Total, All Products** |
|  Balance at January 1, 2025 | $5366 | $624 | $5990 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Amortization | (540) | (119) | (659) |
|  Balance at December 31, 2025 | $4826 | $505 | $5331 |

---

---

| | | | |
|:---|:---|:---|:---|
| **(in thousands)** | **Variable Annuities** | **Fixed Annuities** | **Total, All Products** |
|  Balance at January 1, 2024 | $5950 | $771 | $6721 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Amortization | (584) | (147) | (731) |
|  Balance at December 31, 2024 | $5366 | $624 | $5990 |

---

8. REINSURANCE

The Company reinsures a portion of its insurance risks through reinsurance agreements with unaffiliated reinsurance companies.

Reinsurance contracts do not relieve the Company from its primary obligation to policyholders.

The Company generally reinsures 90% of the death benefit liability for new term life insurance policies beginning in 2002 and new individual UL and VUL insurance policies beginning in 2003. Policies issued prior to these dates are not subject to these same reinsurance levels.

For IUL policies issued after September 1, 2013 and VUL policies issued after January 1, 2014, the Company generally reinsures 50% of the death benefit liability.

The maximum amount of life insurance risk the Company will retain is $10 million on a single life and $10 million on any flexible premium survivorship life policy; however, reinsurance agreements are in place such that retaining more than $1.5 million of insurance risk on a single life or a flexible premium survivorship life policy is very unusual. Risk on UL and VUL policies is reinsured on a yearly renewable term basis. Risk on most term life policies starting in 2002 is reinsured on a coinsurance basis, a type of reinsurance in which the reinsurer participates proportionally in all material risks and premiums associated with a policy.

The Company also has life insurance risk previously assumed under reinsurance arrangements with an unaffiliated insurance company.

As of December 31, 2002, the Company discontinued underwriting LTC insurance. For existing LTC policies, the Company has continued ceding 50% of the risk on a coinsurance basis to Genworth Life Insurance Company of New York ("Genworth") and retains the remaining risk. This reinsurance arrangement applies for 1996 and later issues only, which are about 91% of the Company's total in force policies. Under these agreements, the Company has the right, but never the obligation, to recapture some, or all, of the risk ceded to Genworth.

Generally, the Company retains at most $5,000 per month of risk per life on DI policies sold on policy forms introduced in 2010 and reinsures the remainder of the risk on a coinsurance basis with unaffiliated reinsurance companies. The Company retains all risk for new claims on DI contracts sold prior to 2010. The Company also retains all risk on accidental death benefit claims and substantially all risk associated with waiver of premium provisions.

As of both December 31, 2025 and 2024, traditional life and UL insurance policies in force were $11.2 billion, of which $7.8 billion and $7.9 billion as of December 31, 2025 and 2024, respectively, were reinsured at the respective year ends.

The effect of reinsurance on premiums for traditional long-duration products was as follows:

---

| | | | |
|:---|:---|:---|:---|
| | **Years Ended December 31,** | **Years Ended December 31,** | **Years Ended December 31,** |
| <br>**(in thousands)** | **2025** | **2024** | **2023** |
|  Direct premiums | $29504 | $37884 | $32254 |
|  Reinsurance ceded | (10791) | (10749) | (10841) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net premiums | $18713 | $27135 | $21413 |

---

Policy and contract charges are presented on the Statements of Income net of $12.4 million, $11.6 million and $11.0 million of reinsurance ceded for non-traditional long-duration products for the years ended December 31, 2025, 2024 and 2023, respectively.

The amount of claims recovered through reinsurance on all contracts was $25.4 million, $20.3 million and $22.6 million for the years ended December 31, 2025, 2024 and 2023, respectively.

Reinsurance recoverables include approximately $152.1 million and $146.7 million related to LTC risk ceded to Genworth as of December 31, 2025 and 2024, respectively.

Policyholder account balances, future policy benefits and claims include $880 thousand and $981 thousand related to previously assumed reinsurance arrangements as of December 31, 2025 and 2024, respectively.

#### F-21

------

*RiverSource Life Insurance Co. of New York* 

9. POLICYHOLDER ACCOUNT BALANCES, FUTURE POLICY BENEFITS AND CLAIMS

Policyholder account balances, future policy benefits and claims consisted of the following:

---

| | | |
|:---|:---|:---|
| | **December 31,** | **December 31,** |
| <br>**(in thousands)** | **2025** | **2024** |
|  **Policyholder account balances** |  |  |
|  Policyholder account balances | $1201148 | $1266039 |
|  **Future policy benefits** |  |  |
|  Reserve for future policy benefits | 462888 | 452282 |
|  Deferred profit liability | 8603 | 8412 |
|  Additional liabilities for insurance guarantees | 105216 | 93655 |
|  Other insurance and annuity liabilities | 10561 | 14399 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total future policy benefits | 587268 | 568748 |
|  Policy claims and other policyholders' funds | 12458 | 8785 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total policyholder account balances, future policy benefits and claims | $1800874 | $1843572 |

---

*Variable Annuities* 

Purchasers of variable annuities can select from a variety of investment options and can elect to allocate a portion to a fixed account. A vast majority of the premiums received for variable annuity contracts are held in separate accounts where the assets are held for the exclusive benefit of those contractholders.

Most of the variable annuity contracts issued by the Company contain a GMDB. The Company previously offered contracts with GMAB, GMWB and GMIB provisions. See Note 2 and Note 11 for information regarding the Company's variable annuity guarantees. See Note 12 and Note 16 for additional information regarding the Company's derivative instruments used to hedge risks related to these guarantees.

*Fixed Annuities* 

Fixed annuities include both deferred and payout contracts. In 2020, the Company discontinued sales of fixed deferred annuities.

Deferred contracts offer a guaranteed minimum rate of interest and security of the principal invested. Payout contracts guarantee a fixed income payment for life or the term of the contract. Liabilities for fixed annuities in a benefit or payout status are based on future estimated payments using established industry mortality tables and interest rates.

*Insurance Liabilities* 

UL policies accumulate cash value that increases by a fixed interest rate. Purchasers of VUL can select from a variety of investment options and can elect to allocate a portion of their account balance to a fixed account or a separate account. A vast majority of the premiums received for VUL policies are held in separate accounts where the assets are held for the exclusive benefit of those policyholders.

IUL is a UL policy that includes an indexed account. The rate of credited interest for funds allocated by a contractholder to the indexed account is linked to the performance of the specific index for the indexed account (subject to stated account parameters, which include a cap and floor, or a spread). The policyholder may allocate all or a portion of the policy value to a fixed or any available indexed account. The amount allocated by a contractholder to the indexed account creates an embedded derivative which is measured at fair value. The Company hedges the interest credited rate including equity and interest rate risk related to the indexed account with freestanding derivative instruments. See Note 16 for additional information regarding the Company's derivative instruments used to hedge the risk related to IUL.

The Company also offers term life insurance as well as DI products. The Company no longer offers standalone LTC products and whole life insurance but has in force policies from prior years.

Insurance liabilities include accumulation values, incurred but not reported claims, obligations for anticipated future claims, unpaid reported claims and claim adjustment expenses.

#### F-22

------

*RiverSource Life Insurance Co. of New York* 

The balances of and changes in policyholder account balances were as follows:

---

| | | | | |
|:---|:---|:---|:---|:---|
| **(in thousands, except percentages)** | **Variable Annuities** | **Fixed<br>Annuities** | **Non-Life<br>Contingent<br>Payout<br>Annuities** | **Universal Life<br>Insurance** |
|  Balance at January 1, 2025 | $222195 | $637027 | $25773 | $83432 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Contract deposits | 2224 | 5905 | 3702 | 8127 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Policy charges | (1086) | (3) |  | (11700) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Surrenders and other benefits | (28039) | (75896) | (5648) | (3570) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net transfer from (to) separate account liabilities | (597) |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Interest credited | 6814 | 24301 | 798 | 2738 |
|  Balance at December 31, 2025 | $201511 | $591334 | $24625 | $79027 |
|  Weighted-average crediting rate | 3.3% | 4.1% | N/A | 3.4% |
|  Net amount at risk | N/A | N/A | N/A | $543791 |
|  Cash surrender value<sup>(1)</sup>  | $198910 | $591002 | N/A | $70865 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **(in thousands, except percentages)** | **Variable Universal<br>Life Insurance** | **Indexed<br>Universal<br>Life<br>Insurance** | **Other Life<br>Insurance** | **Total, All<br>Products** |
|  Balance at January 1, 2025 | $103241 | $170458 | $23913 | $1266039 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Contract deposits | 11133 | 12568 |  | 43659 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Policy charges | (6120) | (8754) | (2) | (27665) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Surrenders and other benefits | (7585) | (4004) | (3090) | (127832) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net transfer from (to) separate account liabilities | (2541) |  |  | (3138) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Interest credited | 4066 | 10559 | 809 | 50085 |
|  Balance at December 31, 2025 | $102194 | $180827 | $21630 | $1201148 |
|  Weighted-average crediting rate | 4.0% | 3.0% | 4.0% |  |
|  Net amount at risk | $3029480 | $881499 | $9168 |  |
|  Cash surrender value<sup>(1)</sup> | $68684 | $160202 | $15769 |  |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **(in thousands, except percentages)** | **Variable Annuities** | **Fixed<br>Annuities** | **Non-Life<br>Contingent<br>Payout<br>Annuities** | **Universal Life<br>Insurance** |
|  Balance at January 1, 2024 | $251056 | $677635 | $25052 | $87208 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Contract deposits | 5145 | 6120 | 6530 | 8859 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Policy charges | (776) | (26) |  | (12182) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Surrenders and other benefits | (36893) | (72274) | (6642) | (3427) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net transfer from (to) separate account liabilities | (3807) |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Interest credited | 7470 | 25572 | 833 | 2974 |
|  Balance at December 31, 2024 | $222195 | $637027 | $25773 | $83432 |
|  Weighted-average crediting rate | 3.2% | 4.0% | N/A | 3.4% |
|  Net amount at risk | N/A | N/A | N/A | $569918 |
|  Cash surrender value<sup>(1)</sup>  | $219310 | $636172 | N/A | $74110 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **(in thousands, except percentages)** | **Variable Universal<br>Life Insurance** | **Indexed<br>Universal<br>Life<br>Insurance** | **Other Life<br>Insurance** | **Total, All<br>Products** |
|  Balance at January 1, 2024 | $97977 | $159277 | $24481 | $1322686 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Contract deposits | 19468 | 13651 |  | 59773 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Policy charges | (6339) | (8412) |  | (27735) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Surrenders and other benefits | (4086) | (3355) | (1466) | (128143) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net transfer from (to) separate account liabilities | (7702) |  |  | (11509) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Interest credited | 3923 | 9297 | 898 | 50967 |
|  Balance at December 31, 2024 | $103241 | $170458 | $23913 | $1266039 |
|  Weighted-average crediting rate | 4.0% | 2.3% | 4.0% |  |
|  Net amount at risk | $3021978 | $917731 | $9876 |  |
|  Cash surrender value<sup>(1)</sup>  | $70021 | $147686 | $18280 |  |

---

<sup>(1)</sup> Cash surrender value represents the amount of the contractholder's account balances distributable at the balance sheet date less certain surrender charges. For variable annuities and VUL, the cash surrender value shown is the proportion of the total cash surrender value related to their fixed account liabilities. 

#### F-23

------

*RiverSource Life Insurance Co. of New York* 

Refer to Note 11 for the net amount at risk for market risk benefits associated with variable annuities. Fixed and non-life contingent payout annuities do not have net amount at risk in excess of account value. Net amount at risk for insurance products is calculated as the death benefit amount in excess of applicable account values, host, embedded derivative and separate account liabilities.

The following tables present the account values of fixed deferred annuities, fixed insurance, and the fixed portion of variable annuities and variable insurance contracts by range of guaranteed minimum interest rates ("GMIRs") and the range of the difference between rates credited to policyholders and contractholders as of December 31, 2025 and 2024 and the respective guaranteed minimums, as well as the percentage of account values subject to rate reset in the time period indicated. Rates are reset at management's discretion, subject to guaranteed minimums.

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** |
| | | **Account Values with Crediting Rates** | **Account Values with Crediting Rates** | **Account Values with Crediting Rates** | **Account Values with Crediting Rates** | **Account Values with Crediting Rates** | **Account Values with Crediting Rates** |
| <br>**(in thousands, except percentages)** |<br>**Range of Guaranteed<br>Minimum Crediting<br>Rates** | **At<br>Guaranteed<br>Minimum** | **1-49 bps above<br>Guaranteed<br>Minimum** | **50-99 bps above<br>Guaranteed<br>Minimum** | **100-150 bps<br>above<br>Guaranteed<br>Minimum** | **Greater than<br>150 bps above<br>Guaranteed<br>Minimum** | **Total** |
|  Fixed accounts of variable annuities | 1% – 1.99% | $257 | $5177 | $10067 | $5011 | $— | $20512 |
|  | 2% – 2.99% | 4337 |  |  |  |  | 4337 |
|  | 3% – 3.99% | 90452 |  |  |  |  | 90452 |
|  | 4% – 5.00% | 81371 |  |  |  |  | 81371 |
|  | Total | $176417 | $5177 | $10067 | $5011 | $— | $196672 |
|  Fixed annuities | 1% – 1.99% | $5 | $9760 | $8292 | $7924 | $3641 | $29622 |
|  | 2% – 2.99% | 300 | 291 | 14 |  |  | 605 |
|  | 3% – 3.99% | 241445 | 27 |  |  |  | 241472 |
|  | 4% – 5.00% | 319451 |  |  |  |  | 319451 |
|  | Total | $561201 | $10078 | $8306 | $7924 | $3641 | $591150 |
|  Universal life insurance | 1% – 1.99% | $— | $— | $— | $— | $— | $— |
|  | 2% – 2.99% | 3309 | 205 | 849 | 153 | 55 | 4571 |
|  | 3% – 3.99% | 43971 | 43 | 279 | 750 |  | 45043 |
|  | 4% – 5.00% | 27068 | 179 | 10 |  |  | 27257 |
|  | Total | $74348 | $427 | $1138 | $903 | $55 | $76871 |
|  Fixed accounts of variable universal life insurance | 1% – 1.99% | $— | $— | $223 | $102 | $1943 | $2268 |
|  | 2% – 2.99% | 58 | 786 | 288 | 31 | 744 | 1907 |
|  | 3% – 3.99% | 5084 | 27 | 155 | 772 |  | 6038 |
|  | 4% – 5.00% | 39149 | 905 |  |  |  | 40054 |
|  | Total | $44291 | $1718 | $666 | $905 | $2687 | $50267 |
|  Non-indexed accounts of indexed universal life insurance | 1% – 1.99% | $— | $— | $— | $— | $202 | $202 |
|  | 2% – 2.99% |  |  |  | 10898 |  | 10898 |
|  | 3% – 3.99% |  |  |  |  |  |  |
|  | 4% – 5.00% |  |  |  |  |  |  |
|  | Total | $— | $— | $— | $10898 | $202 | $11100 |
|  Other life insurance | 1% – 1.99% | $— | $— | $— | $— | $— | $— |
|  | 2% – 2.99% |  |  |  |  |  |  |
|  | 3% – 3.99% |  |  |  |  |  |  |
|  | 4% – 5.00% | 15690 |  |  |  |  | 15690 |
|  | Total | $15690 | $— | $— | $— | $— | $15690 |
|  Total | 1% – 1.99% | $262 | $14937 | $18582 | $13037 | $5786 | $52604 |
|  | 2% – 2.99% | 8004 | 1282 | 1151 | 11082 | 799 | 22318 |
|  | 3% – 3.99% | 380952 | 97 | 434 | 1522 |  | 383005 |
|  | 4% – 5.00% | 482729 | 1084 | 10 |  |  | 483823 |
|  | Total | $871947 | $17400 | $20177 | $25641 | $6585 | $941750 |
|  **Percentage of total account values that reset in:** | **Percentage of total account values that reset in:** | **Percentage of total account values that reset in:** | **Percentage of total account values that reset in:** | **Percentage of total account values that reset in:** | **Percentage of total account values that reset in:** | **Percentage of total account values that reset in:** | **Percentage of total account values that reset in:** |
|  Next 12 months |  | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
|  > 12 months to 24 months |  |  |  |  |  |  |  |
|  > 24 months |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total |  | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |

---

#### F-24

------

*RiverSource Life Insurance Co. of New York* 

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** |
| | | **Account Values with Crediting Rates** | **Account Values with Crediting Rates** | **Account Values with Crediting Rates** | **Account Values with Crediting Rates** | **Account Values with Crediting Rates** | **Account Values with Crediting Rates** |
| <br>**(in thousands, except percentages)** |<br>**Range of Guaranteed<br>Minimum Crediting<br>Rates** | **At<br>Guaranteed<br>Minimum** | **1-49 bps above<br>Guaranteed<br>Minimum** | **50-99 bps above<br>Guaranteed<br>Minimum** | **100-150 bps<br>above<br>Guaranteed<br>Minimum** | **Greater than<br>150 bps above<br>Guaranteed<br>Minimum** | **Total** |
|  Fixed accounts of variable annuities | 1% – 1.99% | $2059 | $9655 | $7152 | $5074 | $126 | $24066 |
|  | 2% – 2.99% | 4904 |  |  |  |  | 4904 |
|  | 3% – 3.99% | 102364 | 67 |  |  |  | 102431 |
|  | 4% – 5.00% | 85029 |  |  |  |  | 85029 |
|  | Total | $194356 | $9722 | $7152 | $5074 | $126 | $216430 |
|  Fixed annuities | 1% – 1.99% | $6132 | $12131 | $13918 | $6307 | $3114 | $41602 |
|  | 2% – 2.99% | 572 | 105 | 13 |  |  | 690 |
|  | 3% – 3.99% | 267561 | 148 |  |  |  | 267709 |
|  | 4% – 5.00% | 326709 |  |  |  |  | 326709 |
|  | Total | $600974 | $12384 | $13931 | $6307 | $3114 | $636710 |
|  Universal life insurance | 1% – 1.99% | $— | $— | $— | $— | $— | $— |
|  | 2% – 2.99% | 3389 | 148 | 743 | 7 | 44 | 4331 |
|  | 3% – 3.99% | 45770 | 45 | 254 | 659 |  | 46728 |
|  | 4% – 5.00% | 29958 | 179 | 11 |  |  | 30148 |
|  | Total | $79117 | $372 | $1008 | $666 | $44 | $81207 |
|  Fixed accounts of variable universal life insurance | 1% – 1.99% | $— | $— | $244 | $104 | $1667 | $2015 |
|  | 2% – 2.99% | 376 | 803 |  | 33 | 452 | 1664 |
|  | 3% – 3.99% | 5637 | 32 | 93 | 692 |  | 6454 |
|  | 4% – 5.00% | 42983 | 564 |  |  |  | 43547 |
|  | Total | $48996 | $1399 | $337 | $829 | $2119 | $53680 |
|  Non-indexed accounts of indexed universal life insurance | 1% – 1.99% | $— | $— | $376 | $128 | $— | $504 |
|  | 2% – 2.99% |  | 9783 |  |  |  | 9783 |
|  | 3% – 3.99% |  |  |  |  |  |  |
|  | 4% – 5.00% |  |  |  |  |  |  |
|  | Total | $— | $9783 | $376 | $128 | $— | $10287 |
|  Other life insurance | 1% – 1.99% | $— | $— | $— | $— | $— | $— |
|  | 2% – 2.99% |  |  |  |  |  |  |
|  | 3% – 3.99% |  |  |  |  |  |  |
|  | 4% – 5.00% | 18207 |  |  |  |  | 18207 |
|  | Total | $18207 | $— | $— | $— | $— | $18207 |
|  Total | 1% – 1.99% | $8191 | $21786 | $21690 | $11613 | $4907 | $68187 |
|  | 2% – 2.99% | 9241 | 10839 | 756 | 40 | 496 | 21372 |
|  | 3% – 3.99% | 421332 | 292 | 347 | 1351 |  | 423322 |
|  | 4% – 5.00% | 502886 | 743 | 11 |  |  | 503640 |
|  | Total | $941650 | $33660 | $22804 | $13004 | $5403 | $1016521 |
|  **Percentage of total account values that reset in:** | **Percentage of total account values that reset in:** | **Percentage of total account values that reset in:** | **Percentage of total account values that reset in:** | **Percentage of total account values that reset in:** | **Percentage of total account values that reset in:** | **Percentage of total account values that reset in:** | **Percentage of total account values that reset in:** |
|  Next 12 months |  | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
|  > 12 months to 24 months |  |  |  |  |  |  |  |
|  > 24 months |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total |  | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |

---

#### F-25

------

*RiverSource Life Insurance Co. of New York* 

The following tables summarize the balances of and changes in the liability for future policy benefits:

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **(in thousands, except percentages)** | **Life Contingent<br>Payout<br>Annuities** | **Term and<br>Whole Life<br>Insurance** | **Disability<br>Income<br>Insurance** | **Long Term<br>Care<br>Insurance** | **Total, All<br>Products** |
|  **Present Value of Expected Net Premiums:** |  |  |  |  |  |
|  Balance at January 1, 2025 | $— | $35346 | $4941 | $48273 | $88560 |
|  Beginning balance at original discount rate |  | 38026 | 5185 | 48223 | 91434 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Effect of changes in cash flow assumptions |  | 2380 | (990) | (1877) | (487) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Effect of actual variances from expected experience |  | (2150) | (466) | 2508 | (108) |
|  Adjusted beginning of year balance | $— | $38256 | $3729 | $48854 | $90839 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Issuances | 6925 | 3684 | 625 |  | 11234 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Interest accrual | 23 | 1867 | 224 | 2430 | 4544 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net premiums collected | (6948) | (3566) | (422) | (5331) | (16267) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Derecognition (lapses) |  |  |  |  |  |
|  Ending balance at original discount rate | $— | $40241 | $4156 | $45953 | $90350 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Effect of changes in discount rate assumptions |  | (1734) | (60) | 1283 | (511) |
|  Balance at December 31, 2025 | $— | $38507 | $4096 | $47236 | $89839 |
|  **Present Value of Future Policy Benefits:** |  |  |  |  |  |
|  Balance at January 1, 2025 | $67569 | $73570 | $30612 | $369035 | $540786 |
|  Beginning balance at original discount rate | 71941 | 76041 | 29825 | 373901 | 551708 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Effect of changes in cash flow assumptions | (67) | 1374 | (1550) | (1077) | (1320) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Effect of actual variances from expected experience | (169) | (3773) | (651) | 6205 | 1612 |
|  Adjusted beginning of year balance | $71705 | $73642 | $27624 | $379029 | $552000 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Issuances | 6925 | 3655 | 626 |  | 11206 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Interest accrual | 3227 | 4139 | 1745 | 19493 | 28604 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Benefit payments | (9632) | (3971) | (2597) | (26977) | (43177) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Derecognition (lapses) |  |  |  |  |  |
|  Ending balance at original discount rate | $72225 | $77465 | $27398 | $371545 | $548633 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Effect of changes in discount rate assumptions | (2178) | (821) | 1500 | 5473 | 3974 |
|  Balance at December 31, 2025 | $70047 | $76644 | $28898 | $377018 | $552607 |
|  Adjustment due to reserve flooring | $— | $120 | $— | $— | $120 |
|  Net liability for future policy benefits | $70047 | $38257 | $24802 | $329782 | $462888 |
|  Less: reinsurance recoverable |  | 27925 | 656 | 151580 | 180161 |
|  Net liability for future policy benefits, after reinsurance recoverable | $70047 | $10332 | $24146 | $178202 | $282727 |
|  Discounted expected future gross premiums | $— | $100961 | $42652 | $53924 | $197537 |
|  Expected future gross premiums | $— | $163067 | $59642 | $71659 | $294368 |
|  Expected future benefit payments | $102492 | $129035 | $44830 | $609740 | $886097 |
|  Weighted average interest accretion rate | 4.5% | 6.2% | 6.5% | 5.2% |  |
|  Weighted average discount rate | 5.0% | 5.4% | 5.2% | 5.3% |  |
|  Weighted average duration of liability (in years) | 6 | 7 | 6 | 8 |  |

---

#### F-26

------

*RiverSource Life Insurance Co. of New York* 

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **(in thousands, except percentages)** | **Life Contingent<br>Payout<br>Annuities** | **Term and<br>Whole Life<br>Insurance** | **Disability<br>Income<br>Insurance** | **Long Term<br>Care<br>Insurance** | **Total, All<br>Products** |
|  **Present Value of Expected Net Premiums:** |  |  |  |  |  |
|  Balance at January 1, 2024 | $— | $34522 | $7836 | $48489 | $90847 |
|  Beginning balance at original discount rate |  | 35649 | 7720 | 47397 | 90766 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Effect of changes in cash flow assumptions |  | 3237 | (1939) | 4830 | 6128 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Effect of actual variances from expected experience |  | (2229) | (837) | (409) | (3475) |
|  Adjusted beginning of year balance | $— | $36657 | $4944 | $51818 | $93419 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Issuances | 13729 | 3071 | 553 |  | 17353 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Interest accrual | 53 | 1788 | 309 | 2512 | 4662 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net premiums collected | (13782) | (3490) | (621) | (6107) | (24000) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Derecognition (lapses) |  |  |  |  |  |
|  Ending balance at original discount rate | $— | $38026 | $5185 | $48223 | $91434 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Effect of changes in discount rate assumptions |  | (2680) | (244) | 50 | (2874) |
|  Balance at December 31, 2024 | $— | $35346 | $4941 | $48273 | $88560 |
|  **Present Value of Future Policy Benefits:** |  |  |  |  |  |
|  Balance at January 1, 2024 | $64261 | $74238 | $37113 | $395386 | $570998 |
|  Beginning balance at original discount rate | 67270 | 73159 | 34643 | 383284 | 558356 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Effect of changes in cash flow assumptions | (1352) | 3921 | (3096) | (1924) | (2451) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Effect of actual variances from expected experience | (1387) | (2563) | (1481) | (2519) | (7950) |
|  Adjusted beginning of year balance | $64531 | $74517 | $30066 | $378841 | $547955 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Issuances | 13729 | 3061 | 552 |  | 17342 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Interest accrual | 3152 | 4132 | 1916 | 19949 | 29149 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Benefit payments | (9471) | (5669) | (2709) | (24889) | (42738) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Derecognition (lapses) |  |  |  |  |  |
|  Ending balance at original discount rate | $71941 | $76041 | $29825 | $373901 | $551708 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Effect of changes in discount rate assumptions | (4372) | (2471) | 787 | (4866) | (10922) |
|  Balance at December 31, 2024 | $67569 | $73570 | $30612 | $369035 | $540786 |
|  Adjustment due to reserve flooring | $— | $56 | $— | $— | $56 |
|  Net liability for future policy benefits | $67569 | $38280 | $25671 | $320762 | $452282 |
|  Less: reinsurance recoverable |  | 27679 | 718 | 146132 | 174529 |
|  Net liability for future policy benefits, after reinsurance recoverable | $67569 | $10601 | $24953 | $174630 | $277753 |
|  Discounted expected future gross premiums | $— | $82293 | $43468 | $57490 | $183251 |
|  Expected future gross premiums | $— | $136563 | $62172 | $79143 | $277878 |
|  Expected future benefit payments | $101241 | $126924 | $49284 | $626799 | $904248 |
|  Weighted average interest accretion rate | 4.5% | 6.2% | 6.5% | 5.4% |  |
|  Weighted average discount rate | 5.4% | 5.7% | 5.6% | 5.6% |  |
|  Weighted average duration of liability (in years) | 6 | 6 | 7 | 8 |  |

---

Impacts of the annual review of policy benefit reserves assumptions are reflected within the effect of changes in cash flow assumptions in the disaggregated rollforwards above. The annual review of policy benefit reserves assumptions in the third quarter of 2025 resulted in a net decrease in future policy benefit reserves, primarily due to decreased disability income insurance claim incidence rates offset by updates to LTC mortality assumptions. The annual review of policy benefit reserves assumptions in the third quarter of 2024 resulted in a net decrease in future policy benefit reserves, primarily due to updates to LTC premium rate increases and decreased disability income insurance claim incidence rates.

#### F-27

------

*RiverSource Life Insurance Co. of New York* 

The balances of and changes in additional liabilities related to insurance guarantees were as follows:

---

| | | | | |
|:---|:---|:---|:---|:---|
| **(in thousands, except percentages)** | **Universal Life<br>Insurance** | **Variable<br>Universal<br>Life<br>Insurance** | **Other Life<br>Insurance** | **Total, All<br>Products** |
|  Balance at January 1, 2025 | $88098 | $5557 | $— | $93655 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Interest accrual | 2807 | 400 | 23 | 3230 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Benefit accrual | 9336 | 560 | 183 | 10079 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Benefit payments | (4657) | (691) | (474) | (5822) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Effect of actual variances from expected experience | 2026 | 105 | 420 | 2551 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Impact of change in net unrealized (gains) losses on securities | 1185 | 47 | 291 | 1523 |
|  Balance at December 31, 2025 | $98795 | $5978 | $443 | $105216 |
|  Weighted average interest accretion rate | 2.9% | 6.8% | 3.7% |  |
|  Weighted average discount rate | 3.1% | 7.1% | 4.0% |  |
|  Weighted average duration of reserves (in years) | 9 | 8 | 7 |  |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **(in thousands, except percentages)** | **Universal Life<br>Insurance** | **Variable<br>Universal<br>Life<br>Insurance** | **Other Life<br>Insurance** | **Total, All<br>Products** |
|  Balance at January 1, 2024 | $80639 | $5509 | $217 | $86365 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Interest accrual | 2550 | 379 | 22 | 2951 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Benefit accrual | 9648 | 424 | 241 | 10313 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Benefit payments | (3541) | (352) | (231) | (4124) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Effect of actual variances from expected experience | (91) | (352) | (65) | (508) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Impact of change in net unrealized (gains) losses on securities | (1107) | (51) | (184) | (1342) |
|  Balance at December 31, 2024 | $88098 | $5557 | $— | $93655 |
|  Weighted average interest accretion rate | 3.0% | 6.7% | 3.9% |  |
|  Weighted average discount rate | 3.2% | 7.0% | 4.1% |  |
|  Weighted average duration of reserves (in years) | 9 | 7 | 7 |  |

---

The amount of revenue and interest recognized in the Statements of Income was as follows:

---

| | | | | |
|:---|:---|:---|:---|:---|
| | **Years Ended December 31,** | **Years Ended December 31,** | **Years Ended December 31,** | **Years Ended December 31,** |
| | **2025** | **2025** | **2024** | **2024** |
| <br>**(in thousands)** | **Gross<br>Premiums** | **Interest<br>Expense** | **Gross<br>Premiums** | **Interest<br>Expense** |
|  Life contingent payout annuities | $7284 | $3204 | $15122 | $3099 |
|  Term and whole life insurance | 9569 | 2272 | 9366 | 2344 |
|  Disability income insurance | 6126 | 1521 | 6354 | 1607 |
|  Long term care insurance | 6525 | 17063 | 7042 | 17437 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total | $29504 | $24060 | $37884 | $24487 |

---

The following tables summarize the balances of and changes in unearned revenue:

---

| | | | | |
|:---|:---|:---|:---|:---|
| **(in thousands)** | **Universal Life<br>Insurance** | **Variable<br>Universal<br>Life<br>Insurance** | **Indexed<br>Universal<br>Life<br>Insurance** | **Total, All<br>Products** |
|  Balance at January 1, 2025 | $97 | $11564 | $22279 | $33940 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Deferral of revenue | 11 | 3842 | 3681 | 7534 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Amortization | (13) | (963) | (1830) | (2806) |
|  Balance at December 31, 2025 | $95 | $14443 | $24130 | $38668 |
|  Balance at January 1, 2024 | $98 | $9038 | $20154 | $29290 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Deferral of revenue | 12 | 3285 | 3780 | 7077 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Amortization | (13) | (759) | (1655) | (2427) |
|  Balance at December 31, 2024 | $97 | $11564 | $22279 | $33940 |

---

#### F-28

------

*RiverSource Life Insurance Co. of New York* 

10. SEPARATE ACCOUNT ASSETS AND LIABILITIES

The fair value of separate account assets is invested exclusively in mutual funds.

The balances of and changes in separate account liabilities were as follows:

---

| | | | |
|:---|:---|:---|:---|
| **(in thousands)** | **Variable<br>Annuities** | **Variable<br>Universal<br>Life** | **Total** |
|  Balance at January 1, 2025 | $4083723 | $551133 | $4634856 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Premiums and deposits | 86438 | 27776 | 114214 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Policy charges | (77675) | (20341) | (98016) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Surrenders and other benefits | (468025) | (20406) | (488431) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Investment return | 520921 | 82706 | 603627 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net transfer from (to) general account | 545 | 469 | 1014 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Other charges | (64) | (1) | (65) |
|  Balance at December 31, 2025 | $4145863 | $621336 | $4767199 |
|  Cash surrender value | $4063004 | $587451 | $4650455 |

---

---

| | | | |
|:---|:---|:---|:---|
| **(in thousands)** | **Variable<br>Annuities** | **Variable<br>Universal<br>Life** | **Total** |
|  Balance at January 1, 2024 | $4018325 | $496999 | $4515324 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Premiums and deposits | 112608 | 28088 | 140696 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Policy charges | (80105) | (19541) | (99646) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Surrenders and other benefits | (424604) | (24446) | (449050) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Investment return | 454577 | 68658 | 523235 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net transfer from (to) general account | 2982 | 1377 | 4359 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Other charges | (60) | (2) | (62) |
|  Balance at December 31, 2024 | $4083723 | $551133 | $4634856 |
|  Cash surrender value | $3989419 | $521592 | $4511011 |

---

11. MARKET RISK BENEFITS

Market risk benefits are contracts or contract features that both provide protection to the contractholder from other-than-nominal capital market risk and expose the Company to other-than-nominal capital market risk. Most of the variable annuity contracts issued by the Company contain a GMDB provision. The Company previously offered contracts containing GMWB, GMAB, or GMIB provisions.

The GMDB provisions provide a specified minimum return upon death of the contractholder. The death benefit payable is the greater of (i) the contract value less any purchase payment credits subject to recapture less a pro-rata portion of any rider fees, or (ii) the GMDB provisions specified in the contract.

The Company has the following primary GMDB provisions:

• Return of premium — provides purchase payments minus adjusted partial surrenders.

• Reset — provides that the value resets to the account value at specified contract anniversary intervals minus adjusted partial surrenders. This provision was often provided in combination with the return of premium provision and is no longer offered.

• Ratchet — provides that the value ratchets up to the maximum account value at specified anniversary intervals, plus subsequent purchase payments less adjusted partial surrenders.

The variable annuity contracts with GMWB riders typically have account values that are based on an underlying portfolio of mutual funds, the values of which fluctuate based on fund performance. At contract issue, the guaranteed amount is equal to the amount deposited but the guarantee may be increased annually to the account value (a "step-up") in the case of favorable market performance or by a benefit credit if the contract includes this provision.

The Company has GMWB riders in force, which contain one or more of the following provisions:

• Withdrawals at a specified rate per year until the amount withdrawn is equal to the guaranteed amount.

• Withdrawals at a specified rate per year for the life of the contractholder ("GMWB for life").

• Withdrawals at a specified rate per year for joint contractholders while either is alive.

• Withdrawals based on performance of the contract.

• Withdrawals based on the age withdrawals begin.

• Credits are applied annually for a specified number of years to increase the guaranteed amount as long as withdrawals have not been taken.

#### F-29

------

*RiverSource Life Insurance Co. of New York* 

Variable annuity contractholders age 79 or younger at contract issue could obtain a principal-back guarantee by purchasing the optional GMAB rider for an additional charge. The GMAB rider guarantees that, regardless of market performance at the end of the 10-year waiting period, the contract value will be no less than the original investment or a specified percentage of the highest anniversary value, adjusted for withdrawals. If the contract value is less than the guarantee at the end of the 10-year period, a lump sum will be added to the contract value to make the contract value equal to the guarantee value.

Individual variable annuity contracts may have both a death benefit and a living benefit. Net amount at risk is quantified for each benefit and a composite net amount at risk is calculated using the greater of the death benefit or living benefit for each individual contract. The net amount at risk for GMDB and GMAB is defined as the current guaranteed benefit amount in excess of the current contract value. The net amount at risk for GMIB is defined as the greater of the present value of the minimum guaranteed annuity payments less the current contract value or zero. The net amount at risk for GMWB is defined as the greater of the present value of the minimum guaranteed withdrawal payments less the current contract value or zero.

The following table summarizes the balances of and changes in market risk benefits:

---

| | | | |
|:---|:---|:---|:---|
| | **Years Ended December 31,** | **Years Ended December 31,** | **Years Ended December 31,** |
| <br>**(in thousands, except age)** | **2025** | **2024** | **2023** |
|  Balance at beginning of period | $(120605) | $(47475) | $4137 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Issuances |  |  | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Interest accrual and time decay | (10735) | (9164) | (8114) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Reserve increase from attributed fees collected | 41880 | 43501 | 43343 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Reserve release for benefit payments and derecognition | (145) | (297) | (1878) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Effect of changes in interest rates and bond markets | (4912) | (53866) | (19266) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Effect of changes in equity markets and subaccount performance | (49488) | (64842) | (69222) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Effect of changes in equity index volatility | 5092 | 3339 | (4254) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Actual policyholder behavior different from expected behavior | 2147 | 1653 | (2579) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Effect of changes in future expected assumptions | 4570 | 3793 | 6621 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Effect of changes in the instrument-specific credit risk on market risk benefits | (1421) | 2753 | 3734 |
|  Balance at end of period | $(133617) | $(120605) | $(47475) |
|  Reconciliation of the gross balances in an asset or liability position: |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Asset position | $155104 | $147075 | $94641 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Liability position | (21487) | (26470) | (47166) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net asset (liability) position | $133617 | $120605 | $47475 |
|  Guaranteed benefit amount in excess of current account balances (net amount at risk): |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Death benefits | $5595 | $19210 | $58245 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Living benefits | $23729 | $38955 | $54321 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Composite (greater of) | $29119 | $55956 | $107200 |
|  Weighted average attained age of contractholders | 68 | 68 | 67 |
|  Changes in unrealized (gains) losses in net income relating to liabilities held at end of period | $(59507) | $(118760) | $(96583) |
|  Changes in unrealized (gains) losses in other comprehensive income (loss) relating to liabilities held at end of period | $(1226) | $2866 | $3742 |

---

The following tables provide a summary of the significant inputs and assumptions used in the fair value measurements developed by the Company or reasonably available to the Company of market risk benefits:

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** |
|  | **Fair Value** | **Valuation<br>Technique** | **Range** | **Range** | **Weighted<br>Average** |
|  | **(in thousands)** |  | | | |
| Market risk benefits | $(133617) | Discounted cash flow Utilization of guaranteed withdrawals<sup>(1)</sup> | 0.0% | 52.8% | 12.9% |
|  |  | Surrender rate<sup>(2)</sup> | 0.5% | 53.4% | 4.3% |
|  |  | Market volatility<sup>(3)</sup> | 0.0% | 24.9% | 11.2% |
|  |  | Nonperformance risk<sup>(4)</sup> | 65 bps | 65 bps | 65 bps |
|  |  | Mortality rate<sup>(5)</sup> | 0.0% | 39.2% | 2.0% |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** |
|  | **Fair Value** | **Valuation<br>Technique** | **Range** | **Range** | **Weighted<br>Average** |
|  | **(in thousands)** |  | | | |
| Market risk benefits | $(120605) | Discounted cash flow Utilization of guaranteed withdrawals<sup>(1)</sup> | 0.0% | 52.8% | 12.6% |
|  |  | Surrender rate<sup>(2)</sup> | 0.4% | 39.4% | 3.9% |
|  |  | Market volatility<sup>(3)</sup> | 0.0% | 24.6% | 10.3% |
|  |  | Nonperformance risk<sup>(4)</sup> | 65 bps | 65 bps | 65 bps |
|  |  | Mortality rate<sup>(5)</sup> | 0.0% | 37.4% | 1.8% |

---

#### F-30

------

*RiverSource Life Insurance Co. of New York* 

<sup>(1)</sup> The utilization of guaranteed withdrawals represents the percentage of contractholders that will begin withdrawing in any given year. The weighted average utilization rate represents the average assumption, weighted based on the benefit base. The calculation excludes policies that have already started taking withdrawals. 

<sup>(2)</sup> The weighted average surrender rate represents the average assumption weighted based on the account value of each contract.

<sup>(3)</sup> Market volatility represents the implied volatility of each contractholder's mix of funds. The weighted average market volatility represents the average volatility across all contracts, weighted by the size of the guaranteed benefit.

<sup>(4)</sup> The nonperformance risk is the spread added to the U.S. Treasury curve.

<sup>(5)</sup> The weighted average mortality rate represents the average assumption weighted based on the account value of each contract.

#### Changes to Significant Inputs and Assumptions:
During the years ended December 31, 2025 and 2024, the Company updated inputs and assumptions based on management's review of experience studies. These updates resulted in the following notable changes in the fair value estimates of market risk benefits calculations:

Year ended December 31, 2025

• Updates to surrender assumptions resulted in a decrease to pretax income of $3.3 million.

• Updates to utilization of guaranteed withdrawal assumptions resulted in a decrease to pretax income of $678 thousand.

Year ended December 31, 2024

• Updates to surrender assumptions resulted in a decrease to pretax income of $2.3 million.

• Updates to utilization of guaranteed withdrawal assumptions resulted in a decrease to pretax income of $994 thousand.

Refer to the rollforward of market risk benefits for the impacts of changes to interest rate, equity market, volatility and nonperformance risk assumptions.

#### Uncertainty of Fair Value Measurements
Significant increases (decreases) in utilization and volatility used in the fair value measurement of market risk benefits in isolation would have resulted in a significantly higher (lower) liability value.

Significant increases (decreases) in nonperformance risk and surrender assumptions used in the fair value measurement of market risk benefits in isolation would have resulted in a significantly lower (higher) liability value.

Significant increases (decreases) in mortality assumptions used in the fair value measurement of the death benefit portion of market risk benefits in isolation would have resulted in a significantly higher (lower) liability value whereas significant increases (decreases) in mortality rates used in the fair value measurement of the life contingent portion of market risk benefits in isolation would have resulted in a significantly lower (higher) liability value.

Surrender assumptions, utilization assumptions and mortality assumptions vary with the type of base product, type of rider, duration of the policy, age of the contractholder, calendar year of the projection, previous withdrawal history, and the relationship between the value of the guaranteed benefit and the contract accumulation value.

#### Determination of Fair Value
The Company values market risk benefits using internal valuation models. These models include observable capital market assumptions and significant unobservable inputs related to implied volatility, contractholder behavior assumptions that include margins for risk, and the Company's nonperformance risk. These measurements are classified as Level 3.

12. FAIR VALUES OF ASSETS AND LIABILITIES

GAAP defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date; that is, an exit price. The exit price assumes the asset or liability is not exchanged subject to a forced liquidation or distressed sale.

#### Valuation Hierarchy
The Company categorizes its fair value measurements according to a three-level hierarchy. The hierarchy prioritizes the inputs used by the Company's valuation techniques. A level is assigned to each fair value measurement based on the lowest level input that is significant to the fair value measurement in its entirety.

The three levels of the fair value hierarchy are defined as follows:

Level 1 Unadjusted quoted prices for identical assets or liabilities in active markets that are accessible at the measurement date.

Level 2 Prices or valuations based on observable inputs other than quoted prices in active markets for identical assets and liabilities.

Level 3 Prices or valuations that require inputs that are both significant to the fair value measurement and unobservable.

#### F-31

------

*RiverSource Life Insurance Co. of New York* 

The following tables present the balances of assets and liabilities measured at fair value on a recurring basis:

---

| | | | | |
|:---|:---|:---|:---|:---|
| | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** |
| <br>**(in thousands)** | **Level 1** | **Level 2** | **Level 3** | **Total** |
|  **Assets** |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Available-for-Sale securities: |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Corporate debt securities | $— | $870864 | $10860 | $881724 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Residential mortgage backed securities |  | 255025 |  | 255025 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Commercial mortgage backed securities |  | 217662 |  | 217662 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; State and municipal obligations |  | 72283 |  | 72283 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Asset backed securities |  | 18344 |  | 18344 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Foreign government bonds and obligations |  | 619 |  | 619 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; U.S. government and agency obligations | 223 |  |  | 223 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total Available-for-Sale securities | 223 | 1434797 | 10860 | 1445880 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Cash equivalents |  | 120449 |  | 120449 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Market risk benefits |  |  | 155104 | 155104<sup>(1)</sup> |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Other assets: |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Interest rate derivative contracts | 204 | 1516 |  | 1720 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Equity derivative contracts | 3323 | 81434 |  | 84757 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Foreign exchange derivative contracts | 50 |  |  | 50 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total other assets | 3577 | 82950 |  | 86527 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Separate account assets at net asset value ("NAV") |  |  |  | 4767199<sup>(2)</sup> |
|  Total assets at fair value | $3800 | $1638196 | $165964 | $6575159 |
|  **Liabilities** |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Policyholder account balances, future policy benefits and claims: |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; IUL embedded derivatives | $— | $— | $61894 | $61894 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total policyholder account balances, future policy benefits and claims |  |  | 61894 | 61894<sup>(3)</sup> |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Market risk benefits |  |  | 21487 | 21487<sup>(1)</sup> |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Other liabilities: |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Interest rate derivative contracts |  | 1858 |  | 1858 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Equity derivative contracts | 182 | 52228 |  | 52410 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total other liabilities | 182 | 54086 |  | 54268 |
|  Total liabilities at fair value | $182 | $54086 | $83381 | $137649 |

---

#### F-32

------

*RiverSource Life Insurance Co. of New York* 

---

| | | | | |
|:---|:---|:---|:---|:---|
| | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** |
| <br>**(in thousands)** | **Level 1** | **Level 2** | **Level 3** | **Total** |
|  **Assets** |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Available-for-Sale securities: |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Corporate debt securities | $— | $826806 | $14589 | $841395 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Residential mortgage backed securities |  | 224106 |  | 224106 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Commercial mortgage backed securities |  | 257829 |  | 257829 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; State and municipal obligations |  | 73007 |  | 73007 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Asset backed securities |  | 23490 |  | 23490 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Foreign government bonds and obligations |  | 585 |  | 585 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; U.S. government and agency obligations | 218 |  |  | 218 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total Available-for-Sale securities | 218 | 1405823 | 14589 | 1420630 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Cash equivalents |  | 145762 |  | 145762 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Market risk benefits |  |  | 147075 | 147075<sup>(1)</sup> |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Other assets: |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Interest rate derivative contracts | 79 | 1712 |  | 1791 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Equity derivative contracts | 2011 | 115824 |  | 117835 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Foreign exchange derivative contracts | 189 | 426 |  | 615 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total other assets | 2279 | 117962 |  | 120241 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Separate account assets at NAV |  |  |  | 4634856<sup>(2)</sup> |
|  Total assets at fair value | $2497 | $1669547 | $161664 | $6468564 |
|  **Liabilities** |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Policyholder account balances, future policy benefits and claims: |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; IUL embedded derivatives | $— | $— | $59724 | $59724 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total policyholder account balances, future policy benefits and claims |  |  | 59724 | 59724<sup>(3)</sup> |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Market risk benefits |  |  | 26470 | 26470<sup>(1)</sup> |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Other liabilities: |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Interest rate derivative contracts |  | 2229 |  | 2229 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Equity derivative contracts | 202 | 45911 |  | 46113 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total other liabilities | 202 | 48140 |  | 48342 |
|  Total liabilities at fair value | $202 | $48140 | $86194 | $134536 |

---

<sup>(1)</sup> See Note 11 for additional information related to market risk benefits, including the balances of and changes in market risk benefits as well as the significant inputs and assumptions used in the fair value measurements of market risk benefits.

<sup>(2)</sup> Amounts are comprised of financial instruments that are measured at fair value using the NAV per share (or its equivalent) as a practical expedient and have not been classified in the fair value hierarchy. 

<sup>(3)</sup> The Company's adjustment for nonperformance risk resulted in a $6.5 million cumulative decrease to the embedded derivatives as of both December 31, 2025 and 2024. 

The following tables provide a summary of changes in Level 3 assets and liabilities measured at fair value on a recurring basis:

---

| | | |
|:---|:---|:---|
| | **Available-for-Sale<br>Securities** | **Policyholder Account<br>Balances, Future Policy<br>Benefits and Claims** |
| <br>**(in thousands)** | **Corporate Debt<br>Securities** | **IUL Embedded<br>Derivatives** |
|  Balance at January 1, 2025 | $14589 | $(59724) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total gains (losses) included in: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net income | (60)<sup>(1)</sup> | (12945)<sup>(2)</sup> |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Other comprehensive income (loss) | 379 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Issues |  | 1765 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Settlements | (4048) | 9010 |
|  Balance at December 31, 2025 | $10860 | $(61894) |
|  Changes in unrealized gains (losses) in net income relating to assets and liabilities held at December 31, 2025 | $(60)<sup>(1)</sup> | $(12945)<sup>(2)</sup> |
|  Changes in unrealized gains (losses) in other comprehensive income (loss) relating to assets and liabilities held at December 31, 2025 | $346 | $— |

---

#### F-33

------

*RiverSource Life Insurance Co. of New York* 

---

| | | |
|:---|:---|:---|
| | **Available-for-Sale<br>Securities** | **Policyholder Account<br>Balances, Future Policy<br>Benefits and Claims** |
| <br>**(in thousands)** | **Corporate Debt<br>Securities** | **IUL Embedded<br>Derivatives** |
|  Balance at January 1, 2024 | $23276 | $(50529) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total gains (losses) included in: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net income | (58)<sup>(1)</sup> | (17910)<sup>(2)</sup> |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Other comprehensive income (loss) | 410 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Issues |  | (257) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Settlements | (9039) | 8972 |
|  Balance at December 31, 2024 | $14589 | $(59724) |
|  Changes in unrealized gains (losses) in net income relating to assets and liabilities held at December 31, 2024 | $(58)<sup>(1)</sup> | $(17910)<sup>(2)</sup> |
|  Changes in unrealized gains (losses) in other comprehensive income (loss) relating to assets and liabilities held at December 31, 2024 | $249 | $— |

---

---

| | | |
|:---|:---|:---|
| | **Available-for-Sale<br>Securities** | **Policyholder Account<br>Balances, Future Policy<br>Benefits and Claims** |
| <br>**(in thousands)** | **Corporate Debt<br>Securities** | **IUL Embedded<br>Derivatives** |
|  Balance at January 1, 2023 | $29372 | $(42382) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total gains (losses) included in: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net income | (68)<sup>(1)</sup> | (13670)<sup>(2)</sup> |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Other comprehensive income (loss) | 585 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Purchases | 419 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Issues |  | (2453) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Settlements | (7032) | 7976 |
|  Balance at December 31, 2023 | $23276 | $(50529) |
|  Changes in unrealized gains (losses) in net income relating to assets and liabilities held at December 31, 2023 | $(68)<sup>(1)</sup> | $(13670)<sup>(2)</sup> |
|  Changes in unrealized gains (losses) in other comprehensive income (loss) relating to assets and liabilities held at December 31, 2023 | $511 | $— |

---

<sup>(1)</sup> Included in Net investment income.

<sup>(2)</sup> Included in Interest credited to fixed accounts.

The increase (decrease) to pretax income of the Company's adjustment for nonperformance risk on the fair value of its embedded derivatives was $(1.1) million, $(454) thousand and $20 thousand, net of the reinsurance accrual, for the years ended December 31, 2025, 2024 and 2023, respectively.

Securities transferred from Level 3 primarily represent securities with fair values that are now obtained from a third-party pricing service with observable inputs or fair values that were included in an observable transaction with a market participant. Securities transferred to Level 3 represent securities with fair values that are now based on a single non-binding broker quote.

The following tables provide a summary of the significant unobservable inputs used in the fair value measurements developed by the Company or reasonably available to the Company of Level 3 assets and liabilities:

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** |
|  | **Fair Value** | **Valuation Technique** | **Unobservable Input** | **Range** | **Range** | **Weighted<br>Average** |
|  | **(in thousands)** |  |  | | | |
| Corporate debt securities (private placements) | $10836 | Discounted cash flow | Yield/spread to U.S. Treasuries<sup>(1)</sup> | 0.9% | 1.4% | 1.1% |
| IUL embedded derivatives | $61894 | Discounted cash flow | Nonperformance risk<sup>(2)</sup> | 65 bps | 65 bps | 65 bps |
|  | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** |
|  | **Fair Value** | **Valuation Technique** | **Unobservable Input** | **Range** | **Range** | **Weighted<br>Average** |
|  | **(in thousands)** |  |  |  |  |  |
| Corporate debt securities (private placements) | $14560 | Discounted cash flow | Yield/spread to U.S. Treasuries<sup>(1)</sup> | 0.8% | 1.6% | 1.3% |
| IUL embedded derivatives | $59724 | Discounted cash flow | Nonperformance risk<sup>(2)</sup> | 65 bps | 65 bps | 65 bps |

---

<sup>(1)</sup> The weighted average for the yield/spread to U.S. Treasuries for corporate debt securities (private placements) is weighted based on the security's market value as a percentage of the aggregate market value of the securities. 

<sup>(2)</sup> The nonperformance risk is the spread added to the U.S. Treasury curve.

#### F-34

------

*RiverSource Life Insurance Co. of New York* 

Level 3 measurements not included in the tables above are obtained from non-binding broker quotes where unobservable inputs utilized in the fair value calculation are not reasonably available to the Company.

#### Uncertainty of Fair Value Measurements
Significant increases (decreases) in the yield/spread to U.S. Treasuries used in the fair value measurement of Level 3 corporate debt securities in isolation would have resulted in a significantly lower (higher) fair value measurement.

Significant increases (decreases) in nonperformance risk used in the fair value measurement of the IUL embedded derivatives in isolation would have resulted in a significantly lower (higher) fair value measurement.

#### Determination of Fair Value
The Company uses valuation techniques consistent with the market and income approaches to measure the fair value of its assets and liabilities. The Company's market approach uses prices and other relevant information generated by market transactions involving identical or comparable assets or liabilities. The Company's income approach uses valuation techniques to convert future projected cash flows to a single discounted present value amount. When applying either approach, the Company maximizes the use of observable inputs and minimizes the use of unobservable inputs.

The following is a description of the valuation techniques used to measure fair value and the general classification of these instruments pursuant to the fair value hierarchy.

#### Assets
*Available-for-Sale Securities* 

When available, the fair value of securities is based on quoted prices in active markets. If quoted prices are not available, fair values are obtained from third-party pricing services, non-binding broker quotes, or other model-based valuation techniques.

Level 1 securities primarily include U.S. Treasuries.

Level 2 securities primarily include corporate bonds, residential mortgage backed securities, commercial mortgage backed securities, state and municipal obligations, asset backed securities and foreign government securities. The fair value of these Level 2 securities is based on a market approach with prices obtained from third-party pricing services. Observable inputs used to value these securities can include, but are not limited to, reported trades, benchmark yields, issuer spreads and non-binding broker quotes. The fair value of securities included in an observable transaction with a market participant are also considered Level 2 when the market is not active.

Level 3 securities primarily include certain corporate bonds. The fair value of corporate bonds classified as Level 3 is typically based on a single non-binding broker quote. The underlying inputs used for some of the non-binding broker quotes are not readily available to the Company. The Company's privately placed corporate bonds are typically based on a single non-binding broker quote.

Management is responsible for the fair values recorded on the financial statements. Prices received from third-party pricing services are subjected to exception reporting that identifies investments with significant daily price movements as well as no movements. The Company reviews the exception reporting and resolves the exceptions through reaffirmation of the price or recording an appropriate fair value estimate. The Company also performs subsequent transaction testing. The Company performs annual due diligence of third-party pricing services. The Company's due diligence procedures include assessing the vendor's valuation qualifications, control environment, analysis of asset-class specific valuation methodologies, and understanding of sources of market observable assumptions and unobservable assumptions, if any, employed in the valuation methodology. The Company also considers the results of its exception reporting controls and any resulting price challenges that arise.

*Cash Equivalents* 

Cash equivalents include time deposits and other highly liquid investments with original or remaining maturities at the time of purchase of 90 days or less. The Company's cash equivalents are classified as Level 2 and measured at amortized cost, which is a reasonable estimate of fair value because of the short time between the purchase of the instrument and its expected realization.

*Other Assets* 

Derivatives that are measured using quoted prices in active markets, such as derivatives that are exchange-traded, are classified as Level 1 measurements. The variation margin on futures contracts is also classified as Level 1. The fair value of derivatives that are traded in less active over-the-counter ("OTC") markets is generally measured using pricing models with market observable inputs such as interest rates and equity index levels. These measurements are classified as Level 2 within the fair value hierarchy and include swaps and the majority of options. The counterparties' nonperformance risk associated with uncollateralized derivative assets was immaterial as of both December 31, 2025 and 2024. See Note 15 and Note 16 for further information on the credit risk of derivative instruments and related collateral.

*Separate Account Assets* 

The fair value of assets held by separate accounts is determined by the NAV of the funds in which those separate accounts are invested. The NAV is used as a practical expedient for fair value and represents the exit price for the separate account. Separate account assets are excluded from classification in the fair value hierarchy.

#### F-35

------

*RiverSource Life Insurance Co. of New York* 

#### Liabilities
*Policyholder Account Balances, Future Policy Benefits and Claims* 

There is no active market for the transfer of the Company's embedded derivatives attributable to the provisions of IUL products.

The Company uses discounted cash flow models to determine the fair value of the embedded derivatives associated with the provisions of its IUL products. The fair value of IUL embedded derivatives includes significant observable interest rates, volatilities and equity index levels and the significant unobservable estimate of the Company's nonperformance risk. Given the significance of the nonperformance risk assumption, IUL embedded derivatives are classified as Level 3.

The embedded derivatives attributable to these provisions are recorded in Policyholder account balances, future policy benefits and claims.

*Other Liabilities* 

Derivatives that are measured using quoted prices in active markets, such as derivatives that are exchange-traded, are classified as Level 1 measurements. The variation margin on futures contracts is also classified as Level 1. The fair value of derivatives that are traded in less active OTC markets is generally measured using pricing models with market observable inputs such as interest rates and equity index levels. These measurements are classified as Level 2 within the fair value hierarchy and include swaps and the majority of options. The Company's nonperformance risk associated with uncollateralized derivative liabilities was immaterial as of both December 31, 2025 and 2024. See Note 15 and Note 16 for further information on the credit risk of derivative instruments and related collateral.

#### Fair Value on a Nonrecurring Basis
During the years ended December 31, 2025 and 2024, there were no material assets or liabilities measured at fair value on a nonrecurring basis.

#### Assets and Liabilities Not Reported at Fair Value
The following tables provide the carrying value and the estimated fair value of financial instruments that are not reported at fair value:

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** |
| | **Carrying<br>Value** | **Fair Value** | **Fair Value** | **Fair Value** | **Fair Value** |
| <br>**(in thousands)** | **Carrying<br>Value** | **Level 1** | **Level 2** | **Level 3** | **Total** |
|  **Financial Assets** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Mortgage loans, net | $116775 | $— | $— | $111667 | $111667 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Policy loans | 62715 |  | 62715 |  | 62715 |
|  **Financial Liabilities** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Policyholder account balances, future policy benefits and claims | $618385 | $— | $— | $572904 | $572904 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Separate account liabilities — investment contracts | 3163 |  | 3163 |  | 3163 |
|  | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** |
|  | **Carrying<br>Value** | **Fair Value** | **Fair Value** | **Fair Value** | **Fair Value** |
| **(in thousands)** | **Carrying<br>Value** | **Level 1** | **Level 2** | **Level 3** | **Total** |
|  **Financial Assets** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Mortgage loans, net | $130826 | $— | $— | $120595 | $120595 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Policy loans | 60538 |  | 60538 |  | 60538 |
|  **Financial Liabilities** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Policyholder account balances, future policy benefits and claims | $665141 | $— | $— | $636395 | $636395 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Separate account liabilities — investment contracts | 3358 |  | 3358 |  | 3358 |

---

See Note 6 for additional information on mortgage loans and policy loans.

Policyholder account balances, future policy benefits and claims include fixed annuities in deferral status, non-life contingent fixed annuities in payout status and the fixed portion of a small number of variable annuity contracts classified as investment contracts. See Note 9 for additional information on these liabilities. Separate account liabilities are related to certain annuity products that are classified as investment contracts.

13. RELATED PARTY TRANSACTIONS

#### Revenues
See Note 4 for information about revenues from contracts with customers earned by the Company from related party transactions with affiliates.

#### F-36

------

*RiverSource Life Insurance Co. of New York* 

#### Expenses
Charges by Ameriprise Financial and affiliated companies to the Company for use of joint facilities, technology support, marketing services and other services aggregated $21.9 million, $22.6 million and $23.0 million for the years ended December 31, 2025, 2024 and 2023, respectively. Certain of these costs are included in DAC. Expenses allocated to the Company may not be reflective of expenses that would have been incurred by the Company on a stand-alone basis.

#### Income Taxes
The Company's taxable income is included in the consolidated federal and various state income tax returns of Ameriprise Financial. The net amount due from Ameriprise Financial for income taxes was $1.6 million and $1.3 million as of December 31, 2025 and 2024, respectively, which is reflected in Other assets.

#### Lines of Credit
The Company, as the borrower, has a revolving credit agreement with Ameriprise Financial as the lender. The aggregate amount outstanding under this line of credit may not exceed the lesser of $25 million or 3% of the Company's statutory admitted assets (excluding separate accounts) as of the prior year end. The interest rate under the agreement is a Daily Simple Secured Overnight Financing Rate plus 0.1% and an applicable margin subject to adjustment based on debt ratings of the senior unsecured debt of Ameriprise Financial. Amounts borrowed may be repaid at any time with no prepayment penalty. The credit agreement is amended to extend the maturity on an annual basis with Ameriprise Financial, subject to the New York Department's non-disapproval. There were no amounts outstanding on this line of credit as of both December 31, 2025 and 2024.

#### Dividends or Distributions
During each of the years ended December 31, 2025, 2024 and 2023, the Company paid cash dividends or distributions of $50 million to RiverSource Life. For dividends or other distributions from the Company, advance notification was provided to the New York Department prior to payments. See Note 14 for additional information.

14. STATUTORY ACCOUNTING PRINCIPLES AND REQUIREMENTS

The National Association of Insurance Commissioners ("NAIC") defines Risk-Based Capital ("RBC") requirements for insurance companies. The RBC requirements are used by the NAIC and state insurance regulators to identify companies that merit regulatory actions designed to protect policyholders. These requirements apply to the Company. The Company has met its minimum RBC requirements.

Insurance companies are required to prepare statutory financial statements in accordance with the accounting practices prescribed or permitted by the insurance departments of their respective states of domicile, which vary materially from GAAP. Prescribed statutory accounting practices include publications of the NAIC, as well as state laws, regulations and general administrative rules. The State of New York has adopted the NAIC Accounting Practices and Procedures Manual as its prescribed basis of statutory accounting principles. In addition, New York has prescribed certain reserve requirements that differ from those required under NAIC statutory accounting principles. As of December 31, 2025 and 2024, application of these New York prescribed practices which deviate from the NAIC requirements resulted in an increase of $11.7 million and a decrease of $469 thousand to the Company's net income, respectively, and a decrease to the Company's statutory surplus of $64.8 million and $76.5 million, respectively. The Company's RBC would not have triggered a regulatory event without the application of these prescribed practices.

The more significant differences between NAIC statutory accounting principles and GAAP include charging policy acquisition costs to expense as incurred, establishing annuity and insurance reserves using different actuarial methods and assumptions, valuing investments on a different basis and excluding certain assets from the balance sheet by charging them directly to surplus, such as a portion of the net deferred income tax assets.

State insurance statutes generally require insurance companies to provide notice to state regulators prior to payment of dividends or distributions and those dividends or distributions exceeding prescribed limitations are subject to potential disapproval. For the Company, dividends or distributions in a calendar year which exceed the greater of: (i) 10% of statutory surplus as of the immediately preceding year end, or (ii) statutory net gain from operations for the immediately preceding calendar year, not to exceed 30% of statutory surplus as of the immediately preceding year end would require pre-notification to the New York Department and are subject to potential disapproval. Statutory net gain from operations was $83.4 million, $83.8 million and $66.6 million for the years ended December 31, 2025, 2024 and 2023, respectively.

#### F-37

------

*RiverSource Life Insurance Co. of New York* 

Comparisons of net income and shareholder's equity, as shown in the accompanying GAAP financial statements, to that determined using statutory accounting principles prescribed by the State of New York ("SAP") were as follows:

---

| | | | |
|:---|:---|:---|:---|
| | **Years Ended December 31,** | **Years Ended December 31,** | **Years Ended December 31,** |
| <br>**(in thousands)** | **2025** | **2024** | **2023** |
|  **Net Income** |  |  |  |
|  Net income, per accompanying GAAP financial statements | $56068 | $73394 | $46567 |
|  Net income (loss), SAP basis<sup>(1)</sup> | 86956 | (17477) | 60310 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Difference | $(30888) | $90871 | $(13743) |

---

---

| | | |
|:---|:---|:---|
| | **December 31,** | **December 31,** |
| <br>**(in thousands)** | **2025** | **2024** |
|  **Shareholder's Equity** |  |  |
|  Shareholder's equity, per accompanying GAAP financial statements | $471859 | $430881 |
|  Capital and surplus, SAP basis<sup>(2)</sup>  | 215821 | 218309 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Difference | $256038 | $212572 |

---

<sup>(1)</sup> Results may be significantly impacted by changes in reserves for variable annuity guaranteed benefits, however, these impacts may be substantially offset by unrealized gains (losses) on derivatives which are not included in statutory income but are recorded directly to surplus.

<sup>(2)</sup> Includes unassigned surplus of $106.9 million and $109.4 million as of December 31, 2025 and 2024, respectively. 

As of December 31, 2025 and 2024, bonds carried at $221 thousand and $217 thousand, respectively, were on deposit with the State of New York as required by law.

15. OFFSETTING ASSETS AND LIABILITIES

Certain financial instruments and derivative instruments are eligible for offset in the Balance Sheets. The Company's derivative instruments are subject to master netting and collateral arrangements and qualify for offset. A master netting arrangement with a counterparty creates a right of offset for amounts due to and from that same counterparty that is enforceable in the event of a default or bankruptcy. The Company's policy is to recognize amounts subject to master netting arrangements on a gross basis in the Balance Sheets.

The following tables present the gross and net information about the Company's assets subject to master netting arrangements:

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** |
| | **Gross<br>Amounts of<br>Recognized<br>Assets** | **Gross Amounts<br>Offset in the<br>Balance Sheets** | **Amounts of Assets<br>Presented in the<br>Balance Sheets** | **Gross Amounts Not Offset**<br>**in the Balance Sheets** | **Gross Amounts Not Offset**<br>**in the Balance Sheets** | **Gross Amounts Not Offset**<br>**in the Balance Sheets** | **Net<br>Amount** |
| <br>**(in thousands)** | **Gross<br>Amounts of<br>Recognized<br>Assets** | **Gross Amounts<br>Offset in the<br>Balance Sheets** | **Amounts of Assets<br>Presented in the<br>Balance Sheets** | **Financial<br>Instruments<sup>(1)</sup>** | **Cash<br>Collateral** | **Securities<br>Collateral** | **Net<br>Amount** |
|  Derivatives: |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; OTC | $82244 | $— | $82244 | $(44305) | $(25954) | $(11812) | $173 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; OTC cleared | 706 |  | 706 | (706) |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Exchange-traded | 3577 |  | 3577 | (182) |  |  | 3395 |
|  Total | $86527 | $— | $86527 | $(45193) | $(25954) | $(11812) | $3568 |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** |
| | **Gross<br>Amounts of<br>Recognized<br>Assets** | **Gross Amounts<br>Offset in the<br>Balance Sheets** | **Amounts of Assets<br>Presented in the<br>Balance Sheets** | **Gross Amounts Not Offset**<br>**in the Balance Sheets** | **Gross Amounts Not Offset**<br>**in the Balance Sheets** | **Gross Amounts Not Offset**<br>**in the Balance Sheets** | **Net<br>Amount** |
| <br>**(in thousands)** | **Gross<br>Amounts of<br>Recognized<br>Assets** | **Gross Amounts<br>Offset in the<br>Balance Sheets** | **Amounts of Assets<br>Presented in the<br>Balance Sheets** | **Financial<br>Instruments<sup>(1)</sup>** | **Cash<br>Collateral** | **Securities<br>Collateral** | **Net<br>Amount** |
|  Derivatives: |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; OTC | $117297 | $— | $117297 | $(37596) | $(73188) | $(6475) | $38 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; OTC cleared | 665 |  | 665 | (665) |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Exchange-traded | 2279 |  | 2279 | (202) |  |  | 2077 |
|  Total | $120241 | $— | $120241 | $(38463) | $(73188) | $(6475) | $2115 |

---

<sup>(1)</sup> Represents the amount of assets that could be offset by liabilities with the same counterparty under master netting or similar arrangements that management elects not to offset on the Balance Sheets. 

#### F-38

------

*RiverSource Life Insurance Co. of New York* 

The following tables present the gross and net information about the Company's liabilities subject to master netting arrangements:

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** |
| | **Gross<br>Amounts of<br>Recognized<br>Liabilities** | **Gross Amounts<br>Offset in the<br>Balance Sheets** | **Amounts of Liabilities<br>Presented in the<br>Balance Sheets** | **Gross Amounts Not Offset**<br>**in the Balance Sheets** | **Gross Amounts Not Offset**<br>**in the Balance Sheets** | **Gross Amounts Not Offset**<br>**in the Balance Sheets** | **Net<br>Amount** |
| <br>**(in thousands)** | **Gross<br>Amounts of<br>Recognized<br>Liabilities** | **Gross Amounts<br>Offset in the<br>Balance Sheets** | **Amounts of Liabilities<br>Presented in the<br>Balance Sheets** | **Financial<br>Instruments<sup>(1)</sup>** | **Cash<br>Collateral** | **Securities<br>Collateral** | **Net<br>Amount** |
|  Derivatives: |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; OTC | $52656 | $— | $52656 | $(44305) | $— | $(8349) | $2 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; OTC cleared | 1430 |  | 1430 | (706) |  |  | 724 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Exchange-traded | 182 |  | 182 | (182) |  |  |  |
|  Total | $54268 | $— | $54268 | $(45193) | $— | $(8349) | $726 |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** |
| | **Gross<br>Amounts of<br>Recognized<br>Liabilities** | **Gross Amounts<br>Offset in the<br>Balance Sheets** | **Amounts of Liabilities<br>Presented in the<br>Balance Sheets** | **Gross Amounts Not Offset**<br>**in the Balance Sheets** | **Gross Amounts Not Offset**<br>**in the Balance Sheets** | **Gross Amounts Not Offset**<br>**in the Balance Sheets** | **Net<br>Amount** |
| <br>**(in thousands)** | **Gross<br>Amounts of<br>Recognized<br>Liabilities** | **Gross Amounts<br>Offset in the<br>Balance Sheets** | **Amounts of Liabilities<br>Presented in the<br>Balance Sheets** | **Financial<br>Instruments<sup>(1)</sup>** | **Cash<br>Collateral** | **Securities<br>Collateral** | **Net<br>Amount** |
|  Derivatives: |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; OTC | $46836 | $— | $46836 | $(37596) | $— | $(9240) | $— |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; OTC cleared | 1304 |  | 1304 | (665) |  |  | 639 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Exchange-traded | 202 |  | 202 | (202) |  |  |  |
|  Total | $48342 | $— | $48342 | $(38463) | $— | $(9240) | $639 |

---

<sup>(1)</sup> Represents the amount of liabilities that could be offset by assets with the same counterparty under master netting or similar arrangements that management elects not to offset on the Balance Sheets. 

In the tables above, the amount of assets or liabilities presented are offset first by financial instruments that have the right of offset under master netting or similar arrangements, then any remaining amount is reduced by the amount of cash and securities collateral. The actual collateral may be greater than amounts presented in the tables.

When the fair value of collateral accepted by the Company is less than the amount due to the Company, there is a risk of loss if the counterparty fails to perform or provide additional collateral. To mitigate this risk, the Company monitors collateral values regularly and requires additional collateral when necessary. When the value of collateral pledged by the Company declines, it may be required to post additional collateral.

Freestanding derivative instruments are reflected in Other assets and Other liabilities. Cash collateral pledged by the Company is reflected in Other assets and cash collateral accepted by the Company is reflected in Other liabilities. See Note 16 for additional disclosures related to the Company's derivative instruments.

16. DERIVATIVES AND HEDGING ACTIVITIES

Derivative instruments enable the Company to manage its exposure to various market risks. The value of such instruments is derived from an underlying variable or multiple variables, including equity and interest rate indices or prices. The Company primarily enters into derivative agreements for risk management purposes related to the Company's products and operations.

Certain of the Company's freestanding derivative instruments are subject to master netting arrangements. The Company's policy on the recognition of derivatives on the Balance Sheets is to not offset fair value amounts recognized for derivatives and collateral arrangements executed with the same counterparty under the same master netting arrangement. See Note 15 for additional information regarding the estimated fair value of the Company's freestanding derivatives after considering the effect of master netting arrangements and collateral.

#### F-39

------

*RiverSource Life Insurance Co. of New York* 

Generally, the Company uses derivatives as economic hedges and accounting hedges. The following table presents the notional value and gross fair value of derivative instruments, including embedded derivatives:

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** |
| | **Notional** | **Gross Fair Value** | **Gross Fair Value** | **Notional** | **Gross Fair Value** | **Gross Fair Value** |
| <br>**(in thousands)** | **Notional** | **Assets<sup>(1)</sup>** | **Liabilities<sup>(2)</sup>** | **Notional** | **Assets<sup>(1)</sup>** | **Liabilities<sup>(2)</sup>** |
|  **Derivatives not designated as hedging instruments** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Interest rate contracts | $2299300 | $1720 | $1858 | $1822300 | $1791 | $2229 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Equity contracts | 1372051 | 84757 | 52410 | 1551292 | 117835 | 46113 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Foreign exchange contracts | 60361 | 50 |  | 88905 | 615 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total non-designated hedges | 3731712 | 86527 | 54268 | 3462497 | 120241 | 48342 |
|  **Embedded derivatives** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; IUL | N/A |  | 61894 | N/A |  | 59724 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total embedded derivatives | N/A |  | 61894 | N/A |  | 59724 |
|  Total derivatives | $3731712 | $86527 | $116162 | $3462497 | $120241 | $108066 |

---

N/A Not applicable

<sup>(1)</sup> The fair value of freestanding derivative assets is included in Other assets.

<sup>(2)</sup> The fair value of freestanding derivative liabilities is included in Other liabilities. The fair value of IUL embedded derivatives is included in Policyholder account balances, future policy benefits and claims.

See Note 12 for additional information regarding the Company's fair value measurement of derivative instruments.

As of December 31, 2025 and 2024, investment securities with a fair value of $98.4 million and $88.8 million, respectively, were pledged to meet contractual obligations under derivative contracts, of which $9.0 million and $10.6 million, respectively, may be sold, pledged or rehypothecated by the counterparty. As of December 31, 2025 and 2024, investment securities with a fair value of $12.9 million and $7.0 million, respectively, were received as collateral to meet contractual obligations under derivative contracts, of which $12.9 million and $7.0 million, respectively, may be sold, pledged or rehypothecated by the Company. As of both December 31, 2025 and 2024, the Company had sold, pledged or rehypothecated none of these securities. In addition, as of both December 31, 2025 and 2024, non-cash collateral accepted was held in separate custodial accounts and was not included in the Company's Balance Sheets.

The following table presents a summary of the impact of derivatives not designated as hedging instruments, including embedded derivatives, on the Statements of Income:

---

| | | |
|:---|:---|:---|
| **(in thousands)** | **Interest<br>Credited to<br>Fixed Accounts** | **Change in Fair<br>Value of<br>Market Risk<br>Benefits** |
|  **Year Ended December 31, 2025** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Interest rate contracts | $— | $(11823) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Equity contracts | 5526 | (46663) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Foreign exchange contracts |  | (3623) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; IUL embedded derivatives | (3935) |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total gain (loss) | $1591 | $(62109) |
|  **Year Ended December 31, 2024** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Interest rate contracts | $— | $(56025) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Equity contracts | 3916 | (56970) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Foreign exchange contracts |  | 6163 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Credit contracts |  | 4105 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; IUL embedded derivatives | (8938) |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total gain (loss) | $(5022) | $(102727) |
|  **Year Ended December 31, 2023** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Interest rate contracts | $— | $(23725) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Equity contracts | 4569 | (77123) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Foreign exchange contracts |  | 402 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Credit contracts |  | (19) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; IUL embedded derivatives | (5694) |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total gain (loss) | $(1125) | $(100465) |

---

#### F-40

------

*RiverSource Life Insurance Co. of New York* 

The Company holds derivative instruments that either do not qualify or are not designated for hedge accounting treatment. These derivative instruments are used as economic hedges of equity, interest rate, credit and foreign currency exchange rate risk related to various products and transactions of the Company.

The deferred premium associated with certain of the above options is paid semi-annually over the life of the contract or at maturity. The following is a summary of the payments the Company is scheduled to make for these options as of December 31, 2025:

---

| | |
|:---|:---|
| **(in thousands)** | **Premiums<br>Payable** |
| 2026 | $23700 |
| 2027 |  |
| 2028 |  |
| 2029 | 13830 |
| 2030 | 21870 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total | $59400 |

---

Actual timing and payment amounts may differ due to future settlements, modifications or exercises of the contracts prior to the full premium being paid or received.

IUL products have returns tied to the performance of equity markets. As a result of fluctuations in equity markets, the obligation incurred by the Company related to IUL products will positively or negatively impact earnings over the life of these products. The equity component of IUL product obligations is considered an embedded derivative, which is bifurcated from the host contract for valuation purposes and reported on the Balance Sheets at fair value with changes in fair value reported in earnings. As a means of economically hedging its obligations under the provisions of this product, the Company enters into interest rate swaps, index options and futures contracts.

As discussed in Note 11, the Company issues variable annuity contracts that provide protection to contractholders from other-than-nominal capital market risk and expose the Company to other-than-nominal capital market risk. The Company economically hedges its obligations under these market risk benefits using options, swaptions, swaps and futures.

#### Credit Risk
Credit risk associated with the Company's derivatives is the risk that a derivative counterparty will not perform in accordance with the terms of the applicable derivative contract. To mitigate such risk, the Company has established guidelines and oversight of credit risk through a comprehensive enterprise risk management program that includes members of senior management. Key components of this program are to require preapproval of counterparties and the use of master netting and collateral arrangements whenever practical. See Note 15 for additional information on the Company's credit exposure related to derivative assets.

Certain of the Company's derivative contracts contain provisions that adjust the level of collateral the Company is required to post based on the Company's financial strength rating (or based on the debt rating of RiverSource Life's parent, Ameriprise Financial). Additionally, certain of the Company's derivative contracts contain provisions that allow the counterparty to terminate the contract if the Company does not maintain a specific financial strength rating or Ameriprise Financial's debt does not maintain a specific credit rating (generally an investment grade rating). If these termination provisions were to be triggered, the Company's counterparty could require immediate settlement of any net liability position. As of December 31, 2025 and 2024, the aggregate fair value of derivative contracts in a net liability position containing such credit contingent provisions was $8.3 million and $9.1 million, respectively. The aggregate fair value of assets posted as collateral for such instruments as of December 31, 2025 and 2024 was $8.3 million and $9.1 million, respectively. If the credit contingent provisions of derivative contracts in a net liability position as of December 31, 2025 and 2024 were triggered, the aggregate fair value of additional assets that would be required to be posted as collateral or needed to settle the instruments immediately would have been nil as of both December 31, 2025 and 2024, respectively.

#### F-41

------

*RiverSource Life Insurance Co. of New York* 

17. SHAREHOLDER'S EQUITY

The following tables present the amounts related to each component of OCI:

---

| | | | |
|:---|:---|:---|:---|
| | **Year Ended December 31, 2025** | **Year Ended December 31, 2025** | **Year Ended December 31, 2025** |
| <br>**(in thousands)** | **Pretax** | **Income Tax<br>Benefit<br>(Expense)** | **Net of Tax** |
|  Net unrealized gains (losses) on securities: |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net unrealized gains (losses) on securities arising during the period<sup>(1)</sup>  | $49848 | $(10468) | $39380 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Reclassification of net (gains) losses on securities included in net income<sup>(2)</sup>  | 1635 | (343) | 1292 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Impact of benefit reserves and reinsurance recoverables | (1003) | 211 | (792) |
|  Net unrealized gains (losses) on securities | 50480 | (10600) | 39880 |
|  Effect of changes in discount rate assumptions on certain long-duration contracts | (7711) | 1619 | (6092) |
|  Effect of changes in instrument-specific credit risk on market risk benefits ("MRBs") | 1421 | (299) | 1122 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total other comprehensive income (loss) | $44190 | $(9280) | $34910 |
|  | **Year Ended December 31, 2024** | **Year Ended December 31, 2024** | **Year Ended December 31, 2024** |
| **(in thousands)** | **Pretax** | **Income Tax<br>Benefit<br>(Expense)** | **Net of Tax** |
|  Net unrealized gains (losses) on securities: |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net unrealized gains (losses) on securities arising during the period<sup>(1)</sup>  | $(31130) | $6537 | $(24593) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Reclassification of net (gains) losses on securities included in net income<sup>(2)</sup>  | 549 | (115) | 434 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Impact of benefit reserves and reinsurance recoverables | 612 | (129) | 483 |
|  Net unrealized gains (losses) on securities | (29969) | 6293 | (23676) |
|  Effect of changes in discount rate assumptions on certain long-duration contracts | 11697 | (2456) | 9241 |
|  Effect of changes in instrument-specific credit risk on MRBs | (2753) | 578 | (2175) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total other comprehensive income (loss) | $(21025) | $4415 | $(16610) |

---

---

| | | | |
|:---|:---|:---|:---|
| | **Year Ended December 31, 2023** | **Year Ended December 31, 2023** | **Year Ended December 31, 2023** |
| <br>**(in thousands)** | **Pretax** | **Income Tax<br>Benefit<br>(Expense)** | **Net of Tax** |
|  Net unrealized gains (losses) on securities: |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net unrealized gains (losses) on securities arising during the period<sup>(1)</sup>  | $54710 | $(11489) | $43221 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Reclassification of net (gains) losses on securities included in net income<sup>(2)</sup>  | 224 | (47) | 177 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Impact of benefit reserves and reinsurance recoverables | (2181) | 458 | (1723) |
|  Net unrealized gains (losses) on securities | 52753 | (11078) | 41675 |
|  Effect of changes in discount rate assumptions on certain long-duration contracts | (7753) | 1628 | (6125) |
|  Effect of changes in instrument-specific credit risk on MRBs | (3734) | 784 | (2950) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total other comprehensive income (loss) | $41266 | $(8666) | $32600 |

---

<sup>(1)</sup> Includes impairments on Available-for-Sale securities related to factors other than credit that were recognized in OCI during the period.

<sup>(2)</sup> Reclassification amounts are recorded in Net realized investment gains (losses). 

Other comprehensive income (loss) related to net unrealized gains (losses) on securities includes three components: (i) unrealized gains (losses) that arose from changes in the market value of securities that were held during the period; (ii) (gains) losses that were previously unrealized, but have been recognized in current period net income due to sales of Available-for-Sale securities and due to the reclassification of noncredit losses to credit losses; and (iii) other adjustments primarily consisting of changes in insurance and annuity asset and liability balances, such as benefit reserves and reinsurance recoverables, to reflect the expected impact on their carrying values had the unrealized gains (losses) been realized as of the respective balance sheet dates.

#### F-42

------

*RiverSource Life Insurance Co. of New York* 

The following table presents the changes in the balances of each component of AOCI, net of tax:

---

| | | | | |
|:---|:---|:---|:---|:---|
| **(in thousands)** | **Net Unrealized<br>Gains (Losses)<br>on Securities** | **Effect of<br>Changes in<br>Discount<br>Rate<br>Assumptions** | **Effect of<br>Changes in<br>Instrument-<br>Specific<br>Credit Risk<br>on MRBs** | **Total** |
|  **Balance at January 1, 2023** | $(123429) | $144 | $725 | $(122560) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; OCI before reclassifications | 41498 | (6125) | (2950) | 32423 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Amounts reclassified from AOCI | 177 |  |  | 177 |
|  Total OCI | 41675 | (6125) | (2950) | 32600 |
|  **Balance at December 31, 2023** | (81754) | (5981) | (2225) | (89960) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; OCI before reclassifications | (24110) | 9241 | (2175) | (17044) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Amounts reclassified from AOCI | 434 |  |  | 434 |
|  Total OCI | (23676) | 9241 | (2175) | (16610) |
|  **Balance at December 31, 2024** | (105430) | 3260 | (4400) | (106570) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; OCI before reclassifications | 38588 | (6092) | 1122 | 33618 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Amounts reclassified from AOCI | 1292 |  |  | 1292 |
|  Total OCI | 39880 | (6092) | 1122 | 34910 |
|  **Balance at December 31, 2025** | $(65550) | $(2832) | $(3278) | $(71660) |

---

18. INCOME TAXES

The components of income tax provision were as follows:

---

| | | | |
|:---|:---|:---|:---|
| | **Years Ended December 31,** | **Years Ended December 31,** | **Years Ended December 31,** |
| <br>**(in thousands)** | **2025** | **2024** | **2023** |
|  **Current income tax** |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Federal | $(2889) | $566 | $9247 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; State and local | 36 | 117 | (173) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total current income tax | (2853) | 683 | 9074 |
|  **Deferred federal income tax** | 13955 | 14880 | (1519) |
|  Total income tax provision | $11102 | $15563 | $7555 |

---

The principal reasons that the aggregate income tax provision is different from that computed by using the U.S. statutory rate of 21% were as follows:

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Years Ended December 31,** | **Years Ended December 31,** | **Years Ended December 31,** | **Years Ended December 31,** | **Years Ended December 31,** | **Years Ended December 31,** |
| | **2025** | **2025** | **2024** | **2024** | **2023** | **2023** |
| <br>**(in thousands, except percentages)** | **Amount** | **Percentage** | **Amount** | **Percentage** | **Amount** | **Percentage** |
|  U.S. federal statutory tax rate | $14106 | 21.0% | $18681 | 21.0% | $11366 | 21.0% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; State and local income taxes, net of federal income tax effect<sup>(1)</sup>  | 28 |  | 93 | 0.1 | (137) | (0.3) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Tax credits: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Foreign tax credits, net of addback | (1429) | (2.1) | (1219) | (1.4) | (1576) | (2.9) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nontaxable or nondeductible items: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Dividends received deduction | (1773) | (2.6) | (1857) | (2.1) | (1848) | (3.4) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Other | 75 | 0.1 | (6) |  | 109 | 0.2 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Changes in unrecognized tax benefits |  |  |  |  | (309) | (0.6) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Other adjustments | 95 | 0.1 | (129) | (0.1) | (50) |  |
|  Effective tax rate | $11102 | 16.5% | $15563 | 17.5% | $7555 | 14.0% |

---

<sup>(1)</sup> State taxes in Illinois made up the majority (greater than 50 percent) of the tax effect in this category for 2025, 2024 and 2023. 

#### F-43

------

*RiverSource Life Insurance Co. of New York* 

Deferred income tax assets and liabilities result from temporary differences between the assets and liabilities measured for GAAP reporting versus income tax return purposes. Deferred income tax assets and liabilities are measured at the statutory rate of 21% as of both December 31, 2025 and 2024. The significant components of the Company's deferred income tax assets and liabilities, which are included net within Other assets or Other liabilities, were as follows:

---

| | | |
|:---|:---|:---|
| | **December 31,** | **December 31,** |
| <br>**(in thousands)** | **2025** | **2024** |
|  **Deferred income tax assets** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Insurance and annuity benefits including corresponding hedges | $34864 | $50126 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Investments including net unrealized on Available-for-Sale securities | 15911 | 25863 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Other | 358 | 262 |
|  Gross deferred income tax assets | 51133 | 76251 |
|  **Deferred income tax liabilities** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Deferred acquisition costs | 20036 | 21873 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Other | 1226 | 1272 |
|  Gross deferred income tax liabilities | 21262 | 23145 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net deferred income tax assets | $29871 | $53106 |

---

Based on analysis of the Company's tax position, management believes it is more likely than not that the Company's results of future operations and implementation of tax planning strategies will generate sufficient taxable income to enable the Company to utilize all of the deferred tax assets. Accordingly, no valuation allowance for deferred tax assets has been established as of both December 31, 2025 and 2024.

A reconciliation of the beginning and ending amount of gross unrecognized tax benefits was as follows:

---

| | | | |
|:---|:---|:---|:---|
| **(in thousands)** | **2025** | **2024** | **2023** |
|  Balance at January 1 | $— | $— | $320 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Additions for tax positions related to the current year |  |  | 6 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Reductions for tax positions related to the current year |  |  | (6) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Additions for tax positions of prior years |  |  | 324 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Reductions for tax positions of prior years |  |  | (644) |
|  Balance at December 31 | $— | $— | $— |

---

For all open tax years and all major taxing jurisdictions, management has concluded that there are no significant uncertain tax positions that would require recognition in the financial statements.

The Company recognizes interest and penalties related to unrecognized tax benefits as a component of the income tax provision. The Company did not recognize interest and penalties for the years ended December 31, 2025 and 2024, and recognized a net decrease of $90 thousand in interest and penalties for the year ended December 31, 2023. As of both December 31, 2025 and 2024, the Company did not have a payable related to accrued interest and penalties.

The Company files its federal income tax return as part of the consolidated income tax return of Ameriprise Financial in the U.S. federal jurisdiction. The Company files as a separate entity and as part of unitary or combined returns with Ameriprise Financial and other affiliates in various state jurisdictions. The federal statutes of limitations are closed on years through 2018, except for two issues for 2016 which were claimed on an amended return. During the second quarter of 2025, the Internal Revenue Service ("IRS") finalized the audit of Ameriprise Financial's U.S. income tax returns for tax years 2019 and 2020, except for one issue for 2020, which remains open. The IRS is currently auditing Ameriprise Financial's U.S. income tax returns for 2021 through 2023. The state income tax returns of Ameriprise Financial or its subsidiaries, including the Company, are currently under examination by various jurisdictions for years ranging from 2018 through 2023.

The legislation commonly referred to as the One Big Beautiful Bill Act ("OBBBA") was enacted on July 4, 2025. The corporate tax law changes resulting from the OBBBA did not have an impact to the Company's financial statements for the year ended December 31, 2025 and, based on current guidance, the Company does not expect to record any material impacts in the future.

Income taxes paid (received) were as follows:

---

| | | | |
|:---|:---|:---|:---|
| **(in thousands)** | **2025** | **2024** | **2023** |
|  Income taxes paid (received), net | $(2612) | $2435 | $12777 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Federal | (2729) | 2608 | 12854 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; State and local | 117 | (173) | (77) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Illinois | \* | (132) | \* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Other state and local | \* | (41) | \* |

---

\* The amount of income taxes paid during the year is below the required 5% disaggregation threshold. 

#### F-44

------

*RiverSource Life Insurance Co. of New York* 

19. COMMITMENTS AND CONTINGENCIES

#### Commitments
As of both December 31, 2025 and 2024, the Company had no funding commitments related to mortgage loans.

#### Contingencies
The Company and its affiliates are involved, in the normal course of business, in legal proceedings, which include regulatory inquiries, arbitration and litigation (including class actions), concerning matters arising in connection with the conduct of its activities. These include proceedings specific to the Company as well as proceedings generally applicable to business practices in the industries in which it operates. The Company can also be subject to legal proceedings arising out of its general business activities, such as its investments, contracts and employment relationships. Uncertain economic conditions, heightened and sustained volatility in the financial markets and significant financial reform legislation may increase the likelihood that clients and other persons or regulators may present or threaten legal claims or that regulators increase the scope or frequency of examinations of the Company or the insurance industry generally.

As with other insurance companies, the level of regulatory activity concerning the Company's businesses remains elevated. From time to time, the Company and its affiliates, including AFS and RiverSource Distributors, Inc. receive requests for information from, and/or has been subject to examination or claims by various state, federal and other domestic authorities. The Company and its affiliates are cooperating with the applicable regulators. The Company and its affiliates typically have numerous pending matters that include information requests, exams, inquiries or disputes regarding their business activities and practices and other subjects, including from time to time: sales and distribution of, and disclosure practices related to, various products, including the Company's insurance and annuity products; supervision of associated persons, including AFS financial advisors and RiverSource Distributors, Inc.'s wholesalers; administration of insurance and annuity claims; security of client information; recordkeeping requirements; and transaction monitoring systems and controls.

These pending matters are subject to uncertainties and, as such, it is inherently difficult to determine whether any loss is probable or even reasonably possible, or to reasonably estimate the amount of any loss that may result from such matters. The Company cannot predict with certainty if, how, or when any such proceedings will be initiated or resolved. Matters frequently need to be more developed before a potential loss or range of loss can be reasonably estimated for any matter. An adverse outcome in any matter could result in an adverse judgment, a settlement, fine, penalty, or other sanction, and may lead to further claims, examinations, adverse publicity or reputational damage, each of which could have a material adverse effect on the Company's financial condition, results of operations, or liquidity.

In accordance with applicable accounting standards, the Company establishes an accrued liability for contingent litigation and regulatory matters when those matters present loss contingencies that are both probable and can be reasonably estimated. The Company discloses the nature of the contingency when management believes there is at least a reasonable possibility that the outcome may be material to the Company's financial statements and, where feasible, an estimate of the possible loss. In such cases, there still may be an exposure to loss in excess of any amounts reasonably estimated and accrued. When a loss contingency is not both probable and reasonably estimable, the Company does not establish an accrued liability, but continues to monitor, in conjunction with any outside counsel handling a matter, further developments that would make such loss contingency both probable and reasonably estimable. Once the Company establishes an accrued liability with respect to a loss contingency, the Company continues to monitor the matter for further developments that could affect the amount of the accrued liability that has been previously established, and any appropriate adjustments are made each quarter.

#### Guaranty Fund Assessments
The Company is required by law to be a member of the guaranty fund association in the State of New York. In the event of insolvency of one or more unaffiliated insurance companies, the Company could be adversely affected by the requirement to pay assessments to the guaranty fund association. The Company projects its cost of future guaranty fund assessments based on estimates of insurance company insolvencies provided by the National Organization of Life and Health Insurance Guaranty Associations and the amount of its premiums written relative to the industry-wide premium in the State of New York. The Company accrues the estimated cost of future guaranty fund assessments when it is considered probable that an assessment will be imposed, the event obligating the Company to pay the assessment has occurred and the amount of the assessment can be reasonably estimated.

As of both December 31, 2025 and 2024, the Company had no accrual established for estimated future guaranty fund assessments.

#### F-45

------

SAI9020_12_E01_(05/26)

------

PART C: OTHER INFORMATION

Item 30. Exhibits—Except as noted below, all required exhibits have been previously filed and are incorporated by reference from prior Registration Statements of the Depositor.

---

| | |
|:---|:---|
| (a)(1) | &nbsp;&nbsp; [Copy of Resolution of Board of Directors of IDS Life of New York authorizing the Trust, adopted September 12, 1985, filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d2.htm)<br> [electronically as exhibit (a)(1) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d2.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d2.htm)<br>|
| (a)(2) | &nbsp;&nbsp; [Copy of Resolution of the Board of Directors of IDS Life Insurance Company of New York adopting and approving Agreement](https://www.sec.gov/Archives/edgar/data/1007571/000106880007000051/exh1p11.txt)<br> [and Plan of Merger band subsequent name changes, dated Aug. 29, 2006, filed electronically as Exhibit 1.11 to Post-Effective](https://www.sec.gov/Archives/edgar/data/1007571/000106880007000051/exh1p11.txt)<br> [Amendment No. 22 to Registration Statement No. 333-91691, is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/1007571/000106880007000051/exh1p11.txt)<br>|
| (b) | Not applicable. |
| (c) | &nbsp;&nbsp; [Form of Principal Underwriter Agreement for RiverSource Life Insurance Co. of New York for Variable Annuities and Variable](https://www.sec.gov/Archives/edgar/data/1004875/000106880007000041/acl333-101051_ex3.txt)<br> [Life Insurance filed electronically as Exhibit 3.1 to the Initial Registration Statement on Form N-4 for RiverSource of New](https://www.sec.gov/Archives/edgar/data/1004875/000106880007000041/acl333-101051_ex3.txt)<br> [York Variable Annuity Account 2 (previously ACL Variable Annuity Account 2), RiverSource Endeavor Select (SM) Variable](https://www.sec.gov/Archives/edgar/data/1004875/000106880007000041/acl333-101051_ex3.txt)<br> [Annuity, RiverSource Innovations (SM) Select Variable Annuity and RiverSource Innovations (SM) Variable Annuity, on or](https://www.sec.gov/Archives/edgar/data/1004875/000106880007000041/acl333-101051_ex3.txt)<br> [about Jan. 2, 2007, is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/1004875/000106880007000041/acl333-101051_ex3.txt)<br>|
| (d)(1) | &nbsp;&nbsp; [Copy of Flexible Premium Variable Life Insurance Policy (VUL 6) filed electronically as Exhibit (d)(1) to Post-Effective](https://www.sec.gov/Archives/edgar/data/817132/000119312520213067/d11990dex99d1.htm)<br> [Amendment No. 4 to Registration Statement No. 333-227507 on or about August 7, 2020, is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000119312520213067/d11990dex99d1.htm)<br>|
| (d)(2) | &nbsp;&nbsp; [Copy of Flexible Premium Variable Adjustable Life Insurance Policy (VUL 6) filed electronically as Exhibit (d)(1) to Initial](https://www.sec.gov/Archives/edgar/data/817132/000119312518281350/d596140dex99d1.htm)<br> [Registration Statement File No. 333-227507 on or about September 24, 2018 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000119312518281350/d596140dex99d1.htm)<br>|
| (d)(3) | &nbsp;&nbsp; [Copy of Flexible Premium Variable Life Insurance Policy filed electronically as Exhibit (d)(1) to Initial Registration Statement](https://www.sec.gov/Archives/edgar/data/817132/000095012312010996/c66903exv99wdw1.txt)<br> [on Form N-6 on or about August 13, 2012 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000095012312010996/c66903exv99wdw1.txt)<br>|
| (d)(4) | &nbsp;&nbsp; [Copy of Waiver of Monthly Deduction Rider for Total Disability filed electronically as Exhibit (d)(2) to Initial Registration](https://www.sec.gov/Archives/edgar/data/817132/000095012312010996/c66903exv99wdw2.txt)<br> [Statement on Form N-6 on or about August 13, 2012 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000095012312010996/c66903exv99wdw2.txt)<br>|
| (d)(5) | &nbsp;&nbsp; [Copy of Waiver of Specified Premium Rider for Total Disability filed electronically as Exhibit (d)(3) to Initial Registration](https://www.sec.gov/Archives/edgar/data/817132/000095012312010996/c66903exv99wdw3.txt)<br> [Statement on Form N-6 on or about August 13, 2012 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000095012312010996/c66903exv99wdw3.txt)<br>|
| (d)(6) | &nbsp;&nbsp; [Copy of Children's Level Term Insurance Rider filed electronically as Exhibit (d)(4) to Initial Registration Statement on Form](https://www.sec.gov/Archives/edgar/data/817132/000095012312010996/c66903exv99wdw4.txt)<br> [N-6 on or about August 13, 2012 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000095012312010996/c66903exv99wdw4.txt)<br>|
| (d)(7) | &nbsp;&nbsp; [Copy of Accidental Death Benefit Rider filed electronically as Exhibit (d)(5) to Initial Registration Statement on Form N-6 on](https://www.sec.gov/Archives/edgar/data/817132/000095012312010996/c66903exv99wdw5.txt)<br> [or about August 13, 2012 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000095012312010996/c66903exv99wdw5.txt)<br>|
| (d)(8) | &nbsp;&nbsp; [Copy of Accelerated Benefit Rider for Terminal Illness filed electronically as Exhibit (d)(12) to Post-Effective Amendment](https://www.sec.gov/Archives/edgar/data/817132/000095012310085276/c60177bexv99wdw12.txt)<br> [No. 29 to Registration Statement No. 333-44644 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000095012310085276/c60177bexv99wdw12.txt)<br>|
| (d)(9) | &nbsp;&nbsp; [Copy of Automatic Increase Benefit Rider filed electronically as Exhibit 1.A.(5)(f) to Pre-Effective Amendment No. 1 to](https://www.sec.gov/Archives/edgar/data/817132/000082002700000845/0000820027-00-000845-0009.txt)<br> [Registration Statement No. 333-44644 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000082002700000845/0000820027-00-000845-0009.txt)<br>|
| (d)(10) | &nbsp;&nbsp; [Copy of Overloan Protection Benefit filed electronically as Exhibit (d)(8) to Initial Registration Statement on Form N-6 on or](https://www.sec.gov/Archives/edgar/data/817132/000095012312010996/c66903exv99wdw8.txt)<br> [about August 13, 2012 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000095012312010996/c66903exv99wdw8.txt)<br>|
| (d)(11) | &nbsp;&nbsp; [Copy of AdvanceSource (R) Accelerated Benefit Rider for Chronic Illness filed electronically as Exhibit (d)(11) to](https://www.sec.gov/Archives/edgar/data/817132/000095012310085276/c60177bexv99wdw11.txt)<br> [Post-Effective Amendment No. 29 to Registration Statement No. 333-44644 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000095012310085276/c60177bexv99wdw11.txt)<br>|
| (d)(12) | &nbsp;&nbsp; [Copy of Endorsement to the Flexible Premium Variable Life Insurance Policy (VUL IV/VUL IV-ES) filed electronically as](https://www.sec.gov/Archives/edgar/data/817132/000095012310085276/c60177bexv99wdw13.txt)<br> [Exhibit (d)(13) to Post-Effective Amendment No. 29 to Registration Statement No. 333-44644 is incorporated herein by](https://www.sec.gov/Archives/edgar/data/817132/000095012310085276/c60177bexv99wdw13.txt)<br> [reference.](https://www.sec.gov/Archives/edgar/data/817132/000095012310085276/c60177bexv99wdw13.txt)<br>|
| (d)(13) | &nbsp;&nbsp; [Copy of Indexed Account Endorsement filed electronically as Exhibit (d)(11) to Post-Effective Amendment No. 7 to](https://www.sec.gov/Archives/edgar/data/817132/000119312516675261/d223186dex99d11.htm)<br> [Registration Statement No. 333-183262 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000119312516675261/d223186dex99d11.htm)<br>|
| (d)(14) | &nbsp;&nbsp; [Copy of Accounting Value Increase Rider filed electronically as Exhibit (d)(12) to Post-Effective Amendment No. 6 to](https://www.sec.gov/Archives/edgar/data/817132/000119312516618853/d172298dex99d12.htm)<br> [Registration Statement No. 333-183262 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000119312516618853/d172298dex99d12.htm)<br>|
| (d)(15) | &nbsp;&nbsp; [Copy of Death Benefit Option 3 Endorsement filed electronically as Exhibit (d)(13) to Post-Effective Amendment No. 6 to](https://www.sec.gov/Archives/edgar/data/817132/000119312516618853/d172298dex99d13.htm)<br> [Registration Statement No. 333-183262 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000119312516618853/d172298dex99d13.htm)<br>|
| (e)(1) | &nbsp;&nbsp; [Form of Application for Life and Disability Income Insurance filed electronically as Exhibit (e)(1) to Initial Registration](https://www.sec.gov/Archives/edgar/data/817132/000095012312010996/c66903exv99wew1.txt)<br> [Statement on Form N-6 on or about August 13, 2012 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000095012312010996/c66903exv99wew1.txt)<br>|
| (e)(2) | &nbsp;&nbsp; [Form of Application for the Accelerated Benefit Rider for Chronic Illness filed electronically as Exhibit (e)(2) to Post-Effective](https://www.sec.gov/Archives/edgar/data/817132/000095012310085276/c60177bexv99wew2.txt)<br> [Amendment No. 29 to Registration Statement No. 333-44644 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000095012310085276/c60177bexv99wew2.txt)<br>|

---

------

---

| | |
|:---|:---|
| (e)(3) | &nbsp;&nbsp; [Form of Distribution of Policy Value Endorsement is filed electronically as Exhibit (e)(3) to Post-Effective Amendment No. 2](https://www.sec.gov/Archives/edgar/data/817132/000119312520043731/d891681dex99e3.htm)<br> [to Registration Statement No. 333-227507 in incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000119312520043731/d891681dex99e3.htm)<br>|
| (f)(1) | &nbsp;&nbsp; [Copy of Charter of RiverSource Life Insurance Co. of New York dated Dec. 31, 2006, filed electronically as Exhibit 27(f)(1) to](https://www.sec.gov/Archives/edgar/data/817132/000106880007000046/vul4-3ny_exfp1.txt)<br> [Post-Effective Amendment No. 22 to Registration Statement 333-44644 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000106880007000046/vul4-3ny_exfp1.txt)<br>|
| (f)(2) | &nbsp;&nbsp; [Copy of Amended and Restated By-Laws of RiverSource Life Insurance Co. of New York filed electronically as](https://www.sec.gov/Archives/edgar/data/817132/000106880007000046/vul4-3_exfp2.txt)<br> [Exhibit 27(f)(2) to Post-Effective Amendment No. 22 to Registration Statement No. 333-44644 is incorporated herein by](https://www.sec.gov/Archives/edgar/data/817132/000106880007000046/vul4-3_exfp2.txt)<br> [reference.](https://www.sec.gov/Archives/edgar/data/817132/000106880007000046/vul4-3_exfp2.txt)<br>|
| (g)(1) | &nbsp;&nbsp; [Redacted copy of the Automatic YRT Reinsurance Agreement between RiverSource Life Insurance Co. of New York and](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d3.htm)<br> [Reinsurer, identified as Treaty 1111 filed electronically as exhibit (g)(1) to Post-Effective Amendment No. 3 to Registration](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d3.htm)<br> [Statement No. 333-227507 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d3.htm)<br>|
| (g)(2) | &nbsp;&nbsp; [Redacted copy of the First Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1111 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d4.htm)<br> [electronically as exhibit (g)(2) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d4.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d4.htm)<br>|
| (g)(3) | &nbsp;&nbsp; [Redacted copy of the Third Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1111 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d5.htm)<br> [electronically as exhibit (g)(3) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d5.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d5.htm)<br>|
| (g)(4) | &nbsp;&nbsp; [Redacted copy of the Automatic YRT Reinsurance Agreement between RiverSource Life Insurance Co. of New York and](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d6.htm)<br> [Reinsurer, identified as Treaty 1121 filed electronically as exhibit (g)(4) to Post-Effective Amendment No. 3 to Registration](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d6.htm)<br> [Statement No. 333-227507 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d6.htm)<br>|
| (g)(5) | &nbsp;&nbsp; [Redacted copy of the First Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1121 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d7.htm)<br> [electronically as exhibit (g)(5) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d7.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d7.htm)<br>|
| (g)(6) | &nbsp;&nbsp; [Redacted copy of the Second Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1121 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d8.htm)<br> [electronically as exhibit (g)(6) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d8.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d8.htm)<br>|
| (g)(7) | &nbsp;&nbsp; [Redacted copy of the Automatic YRT Reinsurance Agreement between RiverSource Life Insurance Co. of New York and](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d9.htm)<br> [Reinsurer, identified as Treaty 1131 filed electronically as exhibit (g)(7) to Post-Effective Amendment No. 3 to Registration](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d9.htm)<br> [Statement No. 333-227507 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d9.htm)<br>|
| (g)(8) | &nbsp;&nbsp; [Redacted copy of the General Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1131 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d10.htm)<br> [electronically as exhibit (g)(8) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d10.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d10.htm)<br>|
| (g)(9) | &nbsp;&nbsp; [Redacted copy of the First Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1131 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d11.htm)<br> [electronically as exhibit (g)(9) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d11.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d11.htm)<br>|
| (g)(10) | &nbsp;&nbsp; [Redacted copy of the Seventh Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1131 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d12.htm)<br> [electronically as exhibit (g)(1) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d12.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d12.htm)<br>|
| (g)(11) | &nbsp;&nbsp; [Redacted copy of the Eighth Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1131 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d13.htm)<br> [electronically as exhibit (g)(11) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d13.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d13.htm)<br>|
| (g)(12) | &nbsp;&nbsp; [Redacted copy of the Ninth Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1131 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d14.htm)<br> [electronically as exhibit (g)(12) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d14.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d14.htm)<br>|
| (g)(13) | &nbsp;&nbsp; [Redacted copy of the Tenth Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1131 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d15.htm)<br> [electronically as exhibit (g)(13) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d15.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d15.htm)<br>|
| (g)(14) | &nbsp;&nbsp; [Redacted copy of the Eleventh Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1131 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d16.htm)<br> [electronically as exhibit (g)(14) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d16.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d16.htm)<br>|
| (g)(15) | &nbsp;&nbsp; [Redacted copy of the Twelfth Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1131 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d17.htm)<br> [electronically as exhibit (g)(15) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d17.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d17.htm)<br>|

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| | |
|:---|:---|
| (g)(16) | &nbsp;&nbsp; [Redacted copy of the Automatic YRT Reinsurance Agreement between RiverSource Life Insurance Co. of New York and](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d18.htm)<br> [Reinsurer, identified as Treaty 1141 filed electronically as exhibit (g)(16) to Post-Effective Amendment No. 3 to Registration](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d18.htm)<br> [Statement No. 333-227507 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d18.htm)<br>|
| (g)(17) | &nbsp;&nbsp; [Redacted copy of the General Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1141 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d19.htm)<br> [electronically as exhibit (g)(17) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d19.htm)<br> [herein by reference](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d19.htm).<br>|
| (g)(18) | &nbsp;&nbsp; [Redacted copy of the Fifth Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1141 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d20.htm)<br> [electronically as exhibit (g)(18) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d20.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d20.htm)<br>|
| (g)(19) | &nbsp;&nbsp; [Redacted copy of the Sixth Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1141 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d21.htm)<br> [electronically as exhibit (g)(19) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d21.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d21.htm)<br>|
| (g)(20) | &nbsp;&nbsp; [Redacted copy of the Seventh Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1141 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d22.htm)<br> [electronically as exhibit (g)(20) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d22.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d22.htm)<br>|
| (g)(21) | &nbsp;&nbsp; [Redacted copy of the Eighth Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1141 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d23.htm)<br> [electronically as exhibit (g)(21) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d23.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d23.htm)<br>|
| (g)(22) | &nbsp;&nbsp; [Redacted copy of the Ninth Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1141 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d24.htm)<br> [electronically as exhibit (g)(22) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d24.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d24.htm)<br>|
| (g)(23) | &nbsp;&nbsp; [Redacted copy of the Automatic YRT Reinsurance Agreement between RiverSource Life Insurance Co. of New York and](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d25.htm)<br> [Reinsurer, identified as Treaty 1151 filed electronically as exhibit (g)(23) to Post-Effective Amendment No. 3 to Registration](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d25.htm)<br> [Statement No. 333-227507 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d25.htm)<br>|
| (g)(24) | &nbsp;&nbsp; [Redacted copy of the General Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1151 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d26.htm)<br> [electronically as exhibit (g)(24) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d26.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d26.htm)<br>|
| (g)(25) | &nbsp;&nbsp; [Redacted copy of the Fifth Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1151 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d27.htm)<br> [electronically as exhibit (g)(25) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d27.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d27.htm)<br>|
| (g)(26) | &nbsp;&nbsp; [Redacted copy of the Eighth Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1151 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d28.htm)<br> [electronically as exhibit (g)(26) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d28.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d28.htm)<br>|
| (g)(27) | &nbsp;&nbsp; [Redacted copy of the Fifteenth Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1151 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d29.htm)<br> [electronically as exhibit (g)(27) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d29.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d29.htm)<br>|
| (g)(28) | &nbsp;&nbsp; [Redacted copy of the Sixteenth Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1151 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d30.htm)<br> [electronically as exhibit (g)(28) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d30.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d30.htm)<br>|
| (g)(29) | &nbsp;&nbsp; [Redacted copy of the Seventeenth Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1151 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d31.htm)<br> [electronically as exhibit (g)(29) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d31.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d31.htm)<br>|
| (g)(30) | &nbsp;&nbsp; [Redacted copy of the Eighteenth Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1151 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d32.htm)<br> [electronically as exhibit (g)(30) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d32.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d32.htm)<br>|
| (g)(31) | &nbsp;&nbsp; [Redacted copy of the Twentieth Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1151 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d33.htm)<br> [electronically as exhibit (g)(31) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d33.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d33.htm)<br>|
| (g)(32) | &nbsp;&nbsp; [Redacted copy of the Automatic YRT Reinsurance Agreement between RiverSource Life Insurance Co. of New York and](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d34.htm)<br> [Reinsurer, identified as Treaty 1161 filed electronically as exhibit (g)(32) to Post-Effective Amendment No. 3 to Registration](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d34.htm)<br> [Statement No. 333-227507 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d34.htm)<br>|

---

------

---

| | |
|:---|:---|
| (g)(33) | &nbsp;&nbsp; [Redacted copy of the General Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1161 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d35.htm)<br> [electronically as exhibit (g)(33) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d35.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d35.htm)<br>|
| (g)(34) | &nbsp;&nbsp; [Redacted copy of the First Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1161 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d36.htm)<br> [electronically as exhibit (g)(34) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d36.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d36.htm)<br>|
| (g)(35) | &nbsp;&nbsp; [Redacted copy of the Fifth Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1161 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d37.htm)<br> [electronically as exhibit (g)(35) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d37.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d37.htm)<br>|
| (g)(36) | &nbsp;&nbsp; [Redacted copy of the Seventh Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1161 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d38.htm)<br> [electronically as exhibit (g)(36) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d38.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d38.htm)<br>|
| (g)(37) | &nbsp;&nbsp; [Redacted copy of the Fourteenth Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1161 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d39.htm)<br> [electronically as exhibit (g)(37) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d39.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d39.htm)<br>|
| (g)(38) | &nbsp;&nbsp; [Redacted copy of the Fifteenth Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1161 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d40.htm)<br> [electronically as exhibit (g)(38) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d40.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d40.htm)<br>|
| (g)(39) | &nbsp;&nbsp; [Redacted copy of the Sixteenth Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1161 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d41.htm)<br> [electronically as exhibit (g)(39) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d41.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d41.htm)<br>|
| (g)(40) | &nbsp;&nbsp; [Redacted copy of the Eighteenth Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1161 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d42.htm)<br> [electronically as exhibit (g)(40) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d42.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d42.htm)<br>|
| (g)(41) | &nbsp;&nbsp; [Redacted copy of the Automatic YRT Reinsurance Agreement between RiverSource Life Insurance Co. of New York and](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d43.htm)<br> [Reinsurer, identified as Treaty 1171 filed electronically as exhibit (g)(41) to Post-Effective Amendment No. 3 to Registration](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d43.htm)<br> [Statement No. 333-227507 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d43.htm)<br>|
| (g)(42) | &nbsp;&nbsp; [Redacted copy of the General Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1171 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d44.htm)<br> [electronically as exhibit (g)(42) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d44.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d44.htm)<br>|
| (g)(43) | &nbsp;&nbsp; [Redacted copy of the Fifth Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1171 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d45.htm)<br> [electronically as exhibit (g)(43) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d45.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d45.htm)<br>|
| (g)(44) | &nbsp;&nbsp; [Redacted copy of the Seventh Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1171 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d46.htm)<br> [electronically as exhibit (g)(44) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d46.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d46.htm)<br>|
| (g)(45) | &nbsp;&nbsp; [Redacted copy of the Fifteenth Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1171 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d47.htm)<br> [electronically as exhibit (g)(45) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d47.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d47.htm)<br>|
| (g)(46) | &nbsp;&nbsp; [Redacted copy of the Sixteenth Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1171 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d48.htm)<br> [electronically as exhibit (g)(46) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d48.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d48.htm)<br>|
| (g)(47) | &nbsp;&nbsp; [Redacted copy of the Seventeenth Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1171 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d49.htm)<br> [electronically as exhibit (g)(47) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d49.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d49.htm)<br>|
| (g)(48) | &nbsp;&nbsp; [Redacted copy of the Nineteenth Amendment to the Automatic YRT Reinsurance Agreement, identified as Treaty 1171 filed](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d50.htm)<br> [electronically as exhibit (g)(48) to Post-Effective Amendment No. 3 to Registration Statement No. 333-227507 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d50.htm)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000168386320005753/f4710d50.htm)<br>|
| (h)(1) | &nbsp;&nbsp; [Copy of Amended and Restated Participation Agreement dated August 1, 2006, among American Centurion Life Assurance](https://www.sec.gov/Archives/edgar/data/817132/000106880007000046/exh-hp2.txt)<br> [Company, IDS Life Insurance Company of New York, Ameriprise Financial Services, Inc., AllianceBernstein L.P. and](https://www.sec.gov/Archives/edgar/data/817132/000106880007000046/exh-hp2.txt)<br> [AllianceBernstein Investments, Inc. filed electronically as Exhibit(h) (2) to Post-Effective Amendment No. 22 to Registration](https://www.sec.gov/Archives/edgar/data/817132/000106880007000046/exh-hp2.txt)<br> [Statement No. 333-44644 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000106880007000046/exh-hp2.txt)<br>|

---

------

---

| | |
|:---|:---|
| (h)(2) | &nbsp;&nbsp; [Copy of Amended and Restated Fund Participation Agreement dated June 1, 2006, by and among American Centurion Life](https://www.sec.gov/Archives/edgar/data/817132/000106880007000046/exh-hp3.txt)<br> [Assurance Company, American Enterprise Life Insurance Company, American Partners Life Insurance Company, IDS Life](https://www.sec.gov/Archives/edgar/data/817132/000106880007000046/exh-hp3.txt)<br> [Insurance Company, IDS Life Insurance Company of New York, Ameriprise Financial Services, Inc. and American Century](https://www.sec.gov/Archives/edgar/data/817132/000106880007000046/exh-hp3.txt)<br> [Investment Services, Inc. filed electronically as Exhibit 27(h)(3) to Post-Effective Amendment No. 22 to Registration](https://www.sec.gov/Archives/edgar/data/817132/000106880007000046/exh-hp3.txt)<br> [Statement No. 333-44644 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000106880007000046/exh-hp3.txt)<br>|
| (h)(3) | &nbsp;&nbsp; [Copy of Amended and Restated Fund Participation Agreement dated January 1, 2007, among Variable Insurance Products](https://www.sec.gov/Archives/edgar/data/1004875/000095013708006181/c17681bexv99wx8yx16y.txt)<br> [Funds, Fidelity Distributors Corporation and RiverSource Life Insurance Co. of New York filed electronically as Exhibit 8.16](https://www.sec.gov/Archives/edgar/data/1004875/000095013708006181/c17681bexv99wx8yx16y.txt)<br> [to RiverSource of New York Variable Annuity Account 2's Post-Effective Amendment No. 3 to Registration Statement](https://www.sec.gov/Archives/edgar/data/1004875/000095013708006181/c17681bexv99wx8yx16y.txt)<br> [No. 333-139764 on or about April 28, 2008, is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/1004875/000095013708006181/c17681bexv99wx8yx16y.txt)<br>|
| (h)(4) | &nbsp;&nbsp; [Copy of Amended and Restated Participation Agreement dated August 1, 2005, by and between Franklin Templeton Variable](https://www.sec.gov/Archives/edgar/data/817132/000106880006000310/exh8.txt)<br> [Insurance Products Trust, Franklin/Templeton Distributors, Inc., American Centurion Life Assurance Company, American](https://www.sec.gov/Archives/edgar/data/817132/000106880006000310/exh8.txt)<br> [Enterprise Life Insurance Company, IDS Life Insurance Company, IDS Life Insurance Company of New York and Ameriprise](https://www.sec.gov/Archives/edgar/data/817132/000106880006000310/exh8.txt)<br> [Financial Services Inc. (formerly American Express Financial Advisors Inc.) filed electronically as Exhibit (h)(8) to](https://www.sec.gov/Archives/edgar/data/817132/000106880006000310/exh8.txt)<br> [Post-Effective Amendment No. 21 to Registration Statement No. 333-44644 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000106880006000310/exh8.txt)<br>|
| (h)(5) | &nbsp;&nbsp; [Copy of Janus Aspen Series Amended and Restated Fund Participation Agreement dated September 1, 2006, by and among](https://www.sec.gov/Archives/edgar/data/817132/000106880007000046/exh-hp9.txt)<br> [American Centurion Life Assurance Company, IDS Life Insurance Company of New York and Janus Aspen Series filed](https://www.sec.gov/Archives/edgar/data/817132/000106880007000046/exh-hp9.txt)<br> [electronically as Exhibit 27(h)(9) to Post-Effective Amendment No. 22 to Registration Statement No. 333-44644 is](https://www.sec.gov/Archives/edgar/data/817132/000106880007000046/exh-hp9.txt)<br> [incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000106880007000046/exh-hp9.txt)<br>|
| (h)(6) | &nbsp;&nbsp; [Copy of Participation Agreement Among MFS Variable Insurance Trust, American Centurion Life Assurance Company, IDS](https://www.sec.gov/Archives/edgar/data/817132/000106880007001103/ex_h10.txt)<br> [Life Insurance Company of New York and Massachusetts Financial Services Company, dated June 15, 2006, filed](https://www.sec.gov/Archives/edgar/data/817132/000106880007001103/ex_h10.txt)<br> [electronically as Exhibit (h)(10) to Post-Effective Amendment No. 23 to Registration Statement No. 333-44644 is incorporated](https://www.sec.gov/Archives/edgar/data/817132/000106880007001103/ex_h10.txt)<br> [herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000106880007001103/ex_h10.txt)<br>|
| (h)(7) | &nbsp;&nbsp; [Copy of Fund Participation Agreement dated April 2, 2007, among RiverSource Life Insurance co. of New York, Wanger](https://www.sec.gov/Archives/edgar/data/1004875/000095013708006181/c17681bexv99wx8yx22y.txt)<br> [Advisors Trust, Columbia Wanger Asset Management, L.P. and Columbia Management Distributors, Inc. filed electronically as](https://www.sec.gov/Archives/edgar/data/1004875/000095013708006181/c17681bexv99wx8yx22y.txt)<br> [Exhibit 8.22 to RiverSource of New York Variable Annuity Account 2's Post-Effective Amendment No. 3 to Registration](https://www.sec.gov/Archives/edgar/data/1004875/000095013708006181/c17681bexv99wx8yx22y.txt)<br> [Statement No.333-139764 on or about April 28, 2008, is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/1004875/000095013708006181/c17681bexv99wx8yx22y.txt)<br>|
| (h)(8) | &nbsp;&nbsp; [Copy of Fund Participation Agreement dated May 1, 2006, among American Centurion Life Assurance Company, IDS Life](https://www.sec.gov/Archives/edgar/data/817132/000106880007000046/exh-hp13.txt)<br> [Insurance Company of New York, Columbia Funds Variable Insurance Trust I, Columbia Management Advisors, LLC and](https://www.sec.gov/Archives/edgar/data/817132/000106880007000046/exh-hp13.txt)<br> [Columbia Management Distributors, Inc. filed electronically as Exhibit (h) (13) to Post-Effective Amendment No. 22 to](https://www.sec.gov/Archives/edgar/data/817132/000106880007000046/exh-hp13.txt)<br> [Registration Statement No. 333-44644 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000106880007000046/exh-hp13.txt)<br>|
| (h)(9) | &nbsp;&nbsp; [Copy of Participation Agreement dated January 1, 2007, by and among, Wells Fargo Variable Trust, RiverSource Life Insurance](https://www.sec.gov/Archives/edgar/data/817132/000106880007001103/ex_h16.txt)<br> [Co. of New York, RiverSource Distributors, Inc. and Wells Fargo Funds Distributor, LLC filed electronically as Exhibit(h)(16)](https://www.sec.gov/Archives/edgar/data/817132/000106880007001103/ex_h16.txt)<br> [to Post-Effective Amendment No. 23 to Registration Statement No. 333-44644 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000106880007001103/ex_h16.txt)<br>|
| (h)(10) | &nbsp;&nbsp; [Copy of Amended and Restated Fund Participation Agreement dated March 30, 2007, among Oppenheimer Variable Account](https://www.sec.gov/Archives/edgar/data/1004875/000095013708006181/c17681bexv99wx8yx4y.txt)<br> [funds, Oppenheimer Funds, Inc. and RiverSource Life Insurance Co. of New York filed electronically as Exhibit 8.4 to](https://www.sec.gov/Archives/edgar/data/1004875/000095013708006181/c17681bexv99wx8yx4y.txt)<br> [RiverSource of New York Variable Annuity Account 2's Post-Effective Amendment No. 3 to Registration Statement](https://www.sec.gov/Archives/edgar/data/1004875/000095013708006181/c17681bexv99wx8yx4y.txt)<br> [No. 333-139764 on or about April 28, 2008, is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/1004875/000095013708006181/c17681bexv99wx8yx4y.txt)<br>|
| (h)(11) | &nbsp;&nbsp; [Copy of Participation Agreement dated March 1, 2006, among IDS Life Insurance Company of New York, PIMCO Variable](https://www.sec.gov/Archives/edgar/data/1007571/000106880007000051/exh-8p17.txt)<br> [Insurance Trust and Allianz Global Investors Distributors LLC filed electronically as Exhibit 8.17 to Post-Effective](https://www.sec.gov/Archives/edgar/data/1007571/000106880007000051/exh-8p17.txt)<br> [Amendment No. 22 to Registration Statement No. 333-91691 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/1007571/000106880007000051/exh-8p17.txt)<br>|
| (h)(12) | &nbsp;&nbsp; [Copy of Participation Agreement dated January 1, 2007, by and among RiverSource Life Insurance Company, RiverSource](https://www.sec.gov/Archives/edgar/data/926266/000106880007001025/rvsdist_pa.txt)<br> [Life Insurance Co. of New York and RiverSource Distributors, Inc. filed electronically as Exhibit 8.8 to Post-Effective](https://www.sec.gov/Archives/edgar/data/926266/000106880007001025/rvsdist_pa.txt)<br> [Amendment No. 1 to Registration Statement No. 333-139761 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/926266/000106880007001025/rvsdist_pa.txt)<br>|
| (h)(13) | &nbsp;&nbsp; [Copy of Fund Participation Agreement dated April 30, 2012 by and among RiverSource Life Insurance Co. of New York,](https://www.sec.gov/Archives/edgar/data/1007571/000095012312008169/c66885aexv99w8w14.txt)<br> [BlackRock Variable Series Funds, Inc. and BlackRock Investments, LLC filed electronically as Exhibit 8.14 to RiverSource of](https://www.sec.gov/Archives/edgar/data/1007571/000095012312008169/c66885aexv99w8w14.txt)<br> [New York Variable Annuity Account's Post-Effective Amendment No. 1 to Registration Statement No. 333-179335 is](https://www.sec.gov/Archives/edgar/data/1007571/000095012312008169/c66885aexv99w8w14.txt)<br> [incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/1007571/000095012312008169/c66885aexv99w8w14.txt)<br>|
| (h)(14) | &nbsp;&nbsp; [Copy of Participation Agreement dated April 30, 2012 by and among RiverSource Life Insurance Co. of New York,](https://www.sec.gov/Archives/edgar/data/1007571/000095012312008169/c66885aexv99w8w15.txt)<br> [RiverSource Distributors, Inc., DWS Variable Series I, DWS Variable Series II, DWS Investments VIT Funds, DWS](https://www.sec.gov/Archives/edgar/data/1007571/000095012312008169/c66885aexv99w8w15.txt)<br> [Investments Distributors, Inc. and Deutsche Investment Management Americas Inc. filed electronically as Exhibit 8.15 to](https://www.sec.gov/Archives/edgar/data/1007571/000095012312008169/c66885aexv99w8w15.txt)<br> [RiverSource of New York Variable Annuity Account's Post-Effective Amendment No. 1 to Registration Statement](https://www.sec.gov/Archives/edgar/data/1007571/000095012312008169/c66885aexv99w8w15.txt)<br> [No. 333-179335 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/1007571/000095012312008169/c66885aexv99w8w15.txt)<br>|
| (h)(15) | &nbsp;&nbsp; [Copy of Fund Participation Agreement dated March 2, 2006, by and between Neuberger Berman Advisers Management Trust,](https://www.sec.gov/Archives/edgar/data/1000191/000106880007000050/ex8p17_neuberger.txt)<br> [Neuberger Berman Management, Inc. and IDS Life Insurance Company filed electronically as Exhibit 8.17 to Post-Effective](https://www.sec.gov/Archives/edgar/data/1000191/000106880007000050/ex8p17_neuberger.txt)<br> [Amendment No. 41 to Registration Statement No. 333-79311 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/1000191/000106880007000050/ex8p17_neuberger.txt)<br>|

---

------

---

| | |
|:---|:---|
| (h)(16) | &nbsp;&nbsp; [Copy of Fund Participation Agreement dated April 30, 2013, by and among ALPS Variable Investment Trust, ALPS Portfolio](https://www.sec.gov/Archives/edgar/data/1007571/000095012313002446/c30023bexv99w8w16.htm)<br> [Solutions Distributor, Inc., and RiverSource Life Insurance Co. of New York filed electronically as Exhibit 8.16 to RiverSource](https://www.sec.gov/Archives/edgar/data/1007571/000095012313002446/c30023bexv99w8w16.htm)<br> [of New York Variable Annuity Account's Post-Effective Amendment No.4 to Registration Statement No. 333-179335 is](https://www.sec.gov/Archives/edgar/data/1007571/000095012313002446/c30023bexv99w8w16.htm)<br> [incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/1007571/000095012313002446/c30023bexv99w8w16.htm)<br>|
| (h)(17) | &nbsp;&nbsp; [Copy of Amended and Restated Participation Agreement dated September 1, 2006, by and among IDS Life Insurance](https://www.sec.gov/Archives/edgar/data/1007571/000106880007000051/exh-8p14.txt)<br> [Company of New York, Legg Mason Partners Variable Portfolios I, Inc. (formerly Salomon Brothers Variable Series Fund,](https://www.sec.gov/Archives/edgar/data/1007571/000106880007000051/exh-8p14.txt)<br> [Inc.), Legg Mason Partners Variable Portfolios II, Inc. (formerly Greenwich Street Series Fund, formerly Smith Barney Series](https://www.sec.gov/Archives/edgar/data/1007571/000106880007000051/exh-8p14.txt)<br> [Fund, formerly Smith Barney Shearson Series Fund, formerly Shearson Series Fund), Legg Mason Partners Variable Portfolios](https://www.sec.gov/Archives/edgar/data/1007571/000106880007000051/exh-8p14.txt)<br> [III, Inc. (formerly Travelers Series Fund Inc., formerly Smith Barney](https://www.sec.gov/Archives/edgar/data/1007571/000106880007000051/exh-8p14.txt)Travelers Series Fund Inc.) and Legg Mason Investor <br> Services, LLC filed electronically as Exhibit 8.14 to Post-Effective Amendment No.22 to Registration Statement <br> No. 333-91691 is incorporated by reference.<br>|
| (h)(18) | &nbsp;&nbsp; [Copy of Amended and Restated Participation Agreement dated April 17, 2006, by and among AIM Variable Insurance Funds,](https://www.sec.gov/Archives/edgar/data/817132/000106880007000046/exh-hp1.txt)<br> [AIM Distributors, Inc. American Centurion Life Assurance Company, IDS Life Insurance Company of New York, and](https://www.sec.gov/Archives/edgar/data/817132/000106880007000046/exh-hp1.txt)<br> [Ameriprise Financial Services, Inc. filed electronically as Exhibit(h)(1) to Post-Effective Amendment No. 22 to Registration](https://www.sec.gov/Archives/edgar/data/817132/000106880007000046/exh-hp1.txt)<br> [Statement No. 333-44644 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000106880007000046/exh-hp1.txt)<br>|
| (h)(19) | &nbsp;&nbsp; [Copy of Amended and Restated Participation Agreement dated May 1, 2006, among The Universal Institutional Funds, Inc.,](https://www.sec.gov/Archives/edgar/data/1000191/000106880007000050/ex8p24_morgan-stanley.txt)<br> [Morgan Stanley Investment Management Inc., Morgan Stanley Distribution, Inc., American Enterprise Life Insurance](https://www.sec.gov/Archives/edgar/data/1000191/000106880007000050/ex8p24_morgan-stanley.txt)<br> [Company and IDS Life Insurance Company filed electronically as Exhibit 8.24 to Post-Effective Amendment No. 41 to](https://www.sec.gov/Archives/edgar/data/1000191/000106880007000050/ex8p24_morgan-stanley.txt)<br> [Registration Statement No. 333-79311 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/1000191/000106880007000050/ex8p24_morgan-stanley.txt)<br>|
| (h)(20) | &nbsp;&nbsp; [Copy of Participation Agreement dated Jan. 1, 2007, by and among RiverSource Life Insurance Co. of New York, RiverSource](https://www.sec.gov/Archives/edgar/data/1007571/000106880007001030/lazard-rvslifeny_pa.txt)<br> [Distributors, Inc. and Lazard Asset Management Securities LLC and Lazard Retirement Series, Inc. filed electronically as](https://www.sec.gov/Archives/edgar/data/1007571/000106880007001030/lazard-rvslifeny_pa.txt)<br> [Exhibit 8.27 to Registrant's Post-Effective Amendment No. 24 to Registration Statement No.333-91691 is incorporated herein](https://www.sec.gov/Archives/edgar/data/1007571/000106880007001030/lazard-rvslifeny_pa.txt)<br> [by reference.](https://www.sec.gov/Archives/edgar/data/1007571/000106880007001030/lazard-rvslifeny_pa.txt)<br>|
| (i) | Not applicable. |
| (j) | Not applicable. |
| (k) | [Consent and Opinion of Counsel is filed electronically herewith.](d135230dex99k.htm) |
| (l) | Not applicable. |
| (m) | Not applicable. |
| (n) | [Consent of Independent Registered Public Accounting Firm is filed electronically herewith.](d135230dex99n.htm) |
| (o) | Not applicable. |
| (p) | Not applicable. |
| (q) | &nbsp;&nbsp; [RiverSource Life Insurance Co. of New York's Description of Transfer and Redemption Procedures and Method of Conversion](https://www.sec.gov/Archives/edgar/data/817132/000095012311039886/c62588bexv99wq.txt)<br> [to Fixed Benefit Policies filed electronically as Exhibit (q) to Post-Effective Amendment No. 25 to Registration Statement](https://www.sec.gov/Archives/edgar/data/817132/000095012311039886/c62588bexv99wq.txt)<br> [No. 333-42257 is incorporated herein by reference.](https://www.sec.gov/Archives/edgar/data/817132/000095012311039886/c62588bexv99wq.txt)<br>|
| (r) | Not applicable. |
| (s)(i) | &nbsp;&nbsp; [Power of Attorney to sign Amendment to this Registration Statement, dated April 16, 2026, filed electronically as Exhibit](https://www.sec.gov/Archives/edgar/data/1007571/000119312526177586/d115700dex99pi.htm)<br> [(p)(i) to RiverSource Variable Account 10's Post-Effective Amendment No. 8 to Registration Statement on Form N-4, File](https://www.sec.gov/Archives/edgar/data/1007571/000119312526177586/d115700dex99pi.htm)<br> [No. 333-230375, is incorporated by reference](https://www.sec.gov/Archives/edgar/data/1007571/000119312526177586/d115700dex99pi.htm).<br>|
| (s)(ii) | [Resolution of Board of Directors regarding Power of Attorney is incorporated by reference](https://www.sec.gov/Archives/edgar/data/1007571/000119312526177586/d115700dex99pii.htm). |
| 101 | Not applicable. |

---

**Item 31. Directors and Officers of the Depositor** The following are the Officers and Directors who are engaged directly or indirectly in activities relating to the Registrant or the variable annuity contracts offered by the Registrant and the executive officers of the Company:

---

| | | |
|:---|:---|:---|
| **Name** | **Principal Business Address\*** | **Position and Offices**<br> **With Depositor**<br>|
| Jason J. Poor | &nbsp;&nbsp; 1765 Ameriprise Financial Center<br> Minneapolis, MN 55474<br>| &nbsp;&nbsp; Chairman of the Board, President and Chief Executive <br> Officer<br>|
| Diana M. Marchesi | 1333 Jones St. #401San Francisco CA 94109 | Director |
| Alyson L. Adams |  | Director |
| John D. Bullock  |  | Director |

---

------

---

| | | |
|:---|:---|:---|
| **Name** | **Principal Business Address\*** | **Position and Offices**<br> **With Depositor**<br>|
| Michael J. Pelzel |  | Senior Vice President - Corporate Tax |
| Kevin L. Kehn |  | Senior Vice President and Chief Actuary |
| Sarah J. Thompson |  | &nbsp;&nbsp; Director and Vice President - Insurance Product <br> Development and Management<br>|
| Karen M. Bohn | 940 Cape Marco Drive #2205Marco Island FL 34145 | Director |
| Ronald L. Guzior | &nbsp;&nbsp; BST& Co. CPAs, LLP <br> 26 Computer Drive West<br> Albany, NY 12205<br>| Director |
| Shweta Jhanji |  | Senior Vice President and Treasurer |
| Paula J. Minella |  | Secretary |
| Greg L. Ewing |  | Vice President, Chief Financial Officer and Controller |
| Stephen R. <br> Wolfrath<br>|  | &nbsp;&nbsp; Senior Vice President - Insurance & Annuities Product <br> Development & Management<br>|
| Kara D. Sherman |  | Vice President – National Sales Manager - Insurance |

---

\*

Unless otherwise noted, the business address is 70100 Ameriprise Financial Center, Minneapolis, MN 55474.

**Item 32. Persons Controlled by or Under Common Control with the Depositor or the Registrant**

The following is the list of subsidiaries of Ameriprise Financial, Inc:

SUBSIDIARIES AND AFFILIATES OF AMERIPRISE FINANCIAL, INC.

---

| | |
|:---|:---|
| **Parent Company /Subsidiary Name** | **Jurisdiction** |
| Ameriprise Financial, Inc.\* | Delaware |
| Ameriprise Advisor Capital, LLC | Delaware |
| Ameriprise Advisor Financing 2, LLC | Delaware |
| Ameriprise Asset Management Holdings Singapore (Pte.) Ltd. | Singapore |
| Threadneedle Portfolio Services Hong Kong Limited | Hong Kong |
| Columbia Threadneedle Investments Japan Co., Ltd. | Japan |
| Columbia Threadneedle Malaysia Sdn Bhd. | Malaysia |
| Threadneedle Investments Singapore (Pte.) Ltd. | Singapore |
| Ameriprise Bank, FSB | Federal |
| Ameriprise Capital Trust I | Delaware |
| Ameriprise Capital Trust II | Delaware |
| Ameriprise Capital Trust III | Delaware |
| Ameriprise Capital Trust IV | Delaware |
| Ameriprise Captive Insurance Company | Vermont |
| Ameriprise Certificate Company | Delaware |
| Investors Syndicate Development Corporation | Nevada |
| Ameriprise Holdings, Inc. | Delaware |
| Ameriprise Installment Financing, LLC | Delaware |
| Ameriprise India LLP<sup>1</sup> <br>| India |
| Ameriprise India Partner, LLC | Delaware |
| Ameriprise Trust Company | Minnesota |

---

------

---

| | |
|:---|:---|
| **Parent Company /Subsidiary Name** | **Jurisdiction** |
| AMPF Holding, LLC | Michigan |
| American Enterprise Investment Services Inc.<sup>2</sup> <br>| Minnesota |
| Ameriprise Financial Services, LLC<sup>2</sup> <br>| Delaware |
| AMPF Property Corporation | Michigan |
| Investment Professionals, Inc.<sup>2</sup> <br>| Texas |
| Columbia Management Investment Advisers, LLC | Minnesota |
| Advisory Capital Strategies Group Inc. | Minnesota |
| Columbia Wanger Asset Management, LLC | Delaware |
| Emerging Global Advisors, LLC | Delaware |
| GA Legacy, LLC | Delaware |
| J. & W. Seligman & Co. Incorporated | Delaware |
| Columbia Management Investment Distributors, Inc.<sup>2</sup> <br>| Delaware |
| Seligman Partners, LLC<sup>3</sup> <br>| Delaware |
| Lionstone BBP Limited Partner, LLC | Delaware |
| Lionstone CREAD Partners Two, LLC | Delaware |
| Lionstone CREAD GP, LLC | Delaware |
| Lionstone LORE Two, LLC | Delaware |
| Lionstone Partners, LLC | Texas |
| Lionstone CFRE II Real Estate Advisory, LLC | Delaware |
| Lionstone Raleigh Development Partners GP, LLC | Delaware |
| Lionstone RDP Co-Investment Fund I GP, LLC | Delaware |
| RiverSource CDO Seed Investments, LLC | Minnesota |
| Columbia Management Investment Services Corp. | Minnesota |
| Columbia Threadneedle Investments UK International Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Columbia Threadneedle (Europe) Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Columbia Threadneedle AM (Holdings) Limited | Scotland |
| Astraeus III GP LLP |  |
| Astraeus III FP LP |  |
| Columbia Threadneedle Capital (Group) Limited | &nbsp;&nbsp; Cayman <br> Islands<br>|
| Columbia Threadneedle Capital (Holdings) Limited | &nbsp;&nbsp; Cayman <br> Islands<br>|
| Columbia Threadneedle Capital (UK) Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Columbia Threadneedle Multi-Manager LLP | &nbsp;&nbsp; England & <br> Wales<br>|
| Thames River Capital LLP | &nbsp;&nbsp; England & <br> Wales<br>|

---

------

---

| | |
|:---|:---|
| **Parent Company /Subsidiary Name** | **Jurisdiction** |
| Columbia Threadneedle Group (Holdings) Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Columbia Threadneedle Group (Management) Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Columbia Threadneedle Holdings Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Columbia Threadneedle Management Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| FCEM Holdings (UK) Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Columbia Threadneedle Netherlands B.V. | Netherlands |
| Columbia Threadneedle Treasury Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| WAM Holdings Ltd | &nbsp;&nbsp; England & <br> Wales<br>|
| Columbia Threadneedle Fund Management Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Columbia Threadneedle Managers Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Columbia Threadneedle (Services) Limited | Scotland |
| Columbia Threadneedle Management (Swiss) GmbH<sup>‡</sup> <br>| Switzerland |
| Columbia Threadneedle Investment Business Limited | Scotland |
| Columbia Threadneedle PE Co-Investment GP LLP | Scotland |
| FCIT PE FP LP<sup>4</sup> <br>| Scotland |
| Columbia Threadneedle PE Co-Investment FP LP<sup>4</sup> <br>| Scotland |
| Columbia Threadneedle Real Estate Partners LLP<sup>5</sup> <br>| &nbsp;&nbsp; England & <br> Wales<br>|
| CT UK Residential Real Estate FCP-RAIF (Associate) | &nbsp;&nbsp; England & <br> Wales<br>|
| Columbia Threadneedle Real Estate Partners S.à.r.l. | Luxembourg |
| CT Real Estate Partners GmbH & Co. KG, München | Germany |
| CT Real Estate Partners Verwaltungsgesellschaft mbH, München (General Partner) | Germany |
| Columbia Threadneedle Real Estate Partners Asset Management Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Columbia Threadneedle REP Property Management Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Castle Mount Impact Partners GP LLP |  |
| Castle Mount Impact Partners FP LP |  |
| F&C Aurora (GP) Limited | Scotland |
| The Aurora Fund (Founder Partner) LP<sup>4</sup> <br>| Scotland |
| F&C Climate Opportunity Partners (GP) Limited | Scotland |
| F&C Climate Opportunity Partners (GP) LP | Scotland |
| F&C Climate Opportunity Partners (Founder Partner) LP<sup>4</sup> <br>| Scotland |

---

------

---

| | |
|:---|:---|
| **Parent Company /Subsidiary Name** | **Jurisdiction** |
| F&C Equity Partners Holdings Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| F&C European Capital Partners (Founder Partner) LP<sup>4</sup> <br>| Scotland |
| F&C European Capital Partners II (GP) Limited | Scotland |
| F&C European Capital Partners II (Founder Partner) LP<sup>4</sup> <br>| Scotland |
| F&C European Capital Partners II (GP) LP | Scotland |
| F&C Group ESOP Trustee Limited | Scotland |
| FP Asset Management Holdings Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Columbia Threadneedle Asset Managers Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Ivory & Sime Limited | Scotland |
| Columbia Threadneedle (EM) Investments Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Pyrford International Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| RiverSource Distributors, Inc.<sup>2</sup> <br>| Delaware |
| RiverSource Life Insurance Company | Minnesota |
| Columbia Cent CLO Advisers, LLC | Delaware |
| RiverSource Life Insurance Co. of New York | New York |
| RiverSource NY REO, LLC | New York |
| RiverSource REO 1, LLC | Minnesota |
| RiverSource Tax Advantaged Investments, Inc. | Delaware |
| AEXP Affordable Housing Portfolio, LLC<sup>6</sup> <br>| Delaware |
| TAM UK International Holdings Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Columbia Threadneedle Investments (ME) Limited | Dubai |
| CTM Holdings Limited | Malta |
| TAM Investment Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Threadneedle Asset Management Oversight Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Ameriprise International Holdings GmbH | Switzerland |
| Threadneedle EMEA Holdings 1, LLC | &nbsp;&nbsp; Minnesota, <br> USA<br>|
| Threadneedle Holdings Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| TAM UK Holdings Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Threadneedle Asset Management Holdings Limited\*\* | &nbsp;&nbsp; England & <br> Wales<br>|
| Columbia Threadneedle Foundation | &nbsp;&nbsp; England & <br> Wales<br>|

---

------

---

| | |
|:---|:---|
| **Parent Company /Subsidiary Name** | **Jurisdiction** |
| Columbia Threadneedle Pullman Promote Ltd. | &nbsp;&nbsp; England & <br> Wales<br>|
| TC Financing Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Threadneedle Asset Management Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Threadneedle Investment Services Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Threadneedle Asset Management (Nominees) Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Sackville TIPP Property (GP) Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Threadneedle Asset Management Finance Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| TMS Investment Limited | Jersey |
| Threadneedle International Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Threadneedle Investments (Channel Islands) Limited | Jersey |
| Threadneedle Investments Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Threadneedle Management Services Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Threadneedle Pension Trustees Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Threadneedle Navigator ISA Manager Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Threadneedle Pensions Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Threadneedle Portfolio Services AG | Switzerland |
| Threadneedle Portfolio Services Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Threadneedle Property Investments Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Sackville (CTESIF) 2&3 GP Sàrl | Luxembourg |
| Sackville LCW (GP) Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Sackville Property Atlantic (Jersey GP) Limited | Jersey |
| Sackville Property Curtis (Jersey GP) Limited | Jersey |
| Sackville Property Hayes (Jersey GP) Limited | Jersey |
| Sackville UKPEC6 Hayes Nominee 1 Limited | Jersey |
| Sackville UKPEC6 Hayes Nominee 2 Limited | Jersey |
| Sackville UK Property Select II (GP) Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Sackville UK Property Select II (GP) No. 3 Limited | &nbsp;&nbsp; England & <br> Wales<br>|

---

------

---

| | |
|:---|:---|
| **Parent Company /Subsidiary Name** | **Jurisdiction** |
| Sackville UK Property Select II Nominee (3) Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Sackville UK Property Select III (GP) No. 1 Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Sackville UK Property Select III Nominee (1) Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Sackville UK Property Select III Nominee (2) Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Sackville UK Property Select III (GP) No. 2 Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Sackville UK Property Select III Nominee (3) Ltd | &nbsp;&nbsp; England & <br> Wales<br>|
| Sackville UK Property Select III Nominee (4) Ltd | &nbsp;&nbsp; England & <br> Wales<br>|
| Sackville UK Property Select III (GP) No. 3 Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Sackville UK Property Select III Nominee (5) Ltd | &nbsp;&nbsp; England & <br> Wales<br>|
| Sackville UK Property Select III Nominee (6) Ltd | &nbsp;&nbsp; England & <br> Wales<br>|
| Sackville UK Property Select III (GP) S.à r.l. | Luxembourg |
| Sackville UK Property Select IV (GP) S.à.r.l. | Luxembourg |
| Sackville UK Property Select IV (GP) No. 1 Limited | England |
| Sackville UK Property Select IV Nominee (1) Limited | England |
| Sackville UK Property Select IV Nominee (2) Limited | England |
| Sackville UK Property Select IV Nominee (7) Limited | England |
| Sackville UK Property Select IV Nominee (8) Limited | England |
| Sackville UK Property Select IV (GP) No. 2 Limited | England |
| Sackville UK Property Select IV Nominee (3) Limited | England |
| Sackville UK Property Select IV Nominee (4) Limited | England |
| Sackville UK Property Select IV (GP) No. 3 Limited | England |
| Sackville UK Property Select IV Nominee (5) Limited | England |
| Sackville UK Property Select IV Nominee (6) Limited | England |
| Threadneedle Property Execution 1 Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Threadneedle Property Execution 2 Limited | &nbsp;&nbsp; England & <br> Wales<br>|
| Threadneedle Management Luxembourg S.A. | Luxembourg |

---

------

Unless otherwise indicated all ownership interests are 100%

\*

Publicly-traded company (NYSE: AMP)

\*\*

The company has non-voting shares held by third parties

<sup>†</sup>

Regulated by Luxembourg Authority

<sup>‡</sup>

FINMA Authorized Representative office of BMO Asset Management Ltd.

------

<sup>1</sup>

Owned by: Ameriprise Financial, Inc. 100% profit sharing ratio with capital contribution of 124,078,760 INR (Indian currency=rupees) & 10 INR owned each by Columbia Management Investment Advisers, LLC & Ameriprise India Partner, LLC

<sup>2</sup>

Registered broker-dealer

<sup>3</sup>

Managed by members of onshore hedge fund feeders

<sup>4</sup>

Columbia Threadneedle AM (Holdings) Limited owns a percentage of the entity

<sup>5</sup>

Columbia Threadneedle Treasury Limited holds 1 unit

<sup>6</sup>

One-third of this entity is owned by American Express Travel Related Services

**Item 33. Indemnification**

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 34. Principal Underwriters**

(a) RiverSource Distributors, Inc. acts as principal underwriter for:

RiverSource Variable Annuity Account 1

RiverSource Variable Annuity Account

RiverSource Account F

RiverSource Variable Annuity Fund A

RiverSource Variable Annuity Fund B

RiverSource Variable Account 10

RiverSource Account SBS

RiverSource MVA Account

RiverSource Account MGA

RiverSource Account for Smith Barney

RiverSource Variable Life Separate Account

RiverSource Variable Life Account

RiverSource of New York Variable Annuity Account 1

RiverSource of New York Variable Annuity Account 2

RiverSource of New York Account 4

RiverSource of New York Account 7

RiverSource of New York Account 8

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

(b) As to each director, officer or partner of the principal underwriter:

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| | |
|:---|:---|
| **Name and Principal**<br> **Business Address\***<br>| **Positions and Offices**<br> **with Underwriter**<br>|
| Jason Poor | Chairman of the Board and Chief Executive Officer |
| Travis J. Rako | Vice President-RiverSource Service & Operations |
| Shweta Jhanji | Senior Vice President and Treasurer |
| Paula J. Minella | Secretary |
| Michael S. Mattox | Chief Financial Officer |
| Jessica A. Kneeshaw | Director |

---

\*

The business address is 70100 Ameriprise Financial Center, Minneapolis, MN 55474.

(c) RiverSource Distributors Inc., the principal underwriter during Registrant's last fiscal year, was paid the following commissions:

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| | | | | |
|:---|:---|:---|:---|:---|
| **NAME OF**<br> **PRINCIPAL**<br> **UNDERWRITER**<br>| **NET UNDERWRITING**<br> **DISCOUNTS AND**<br> **COMMISSIONS**<br>| **COMPENSATION ON**<br> **REDEMPTION**<br>| &nbsp;&nbsp; **BROKERAGE**<br> **COMMISSIONS**<br>| &nbsp;&nbsp; **OTHER**<br> **COMPENSATION**<br>|
| RiverSource Distributors, Inc. | &nbsp;&nbsp; $18776398 |  |  |  |

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**Item 35. Location of Accounts and Records**

The accounts and records of the Registrant are located at the offices of the Depositor RiverSource Life Insurance Co. of New York at 20 Madison Avenue Extension, Albany, NY 12203.

**Item 36. Management Services**

Not Applicable.

**Item 37. Fee Representation**

The Depositor represents that the fees and charges deducted under the policy, in the aggregate, are reasonable in relation to the services rendered, the expenses expected to be incurred, and the risks assumed by the insurance company.

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SIGNATURES

As required by the Securities Act of 1933 and the Investment Company Act of 1940, RiverSource Life Insurance Co. of New York, on behalf of the Registrant, certifies that it meets all of the requirements of Securities Act Rule 485(b) for effectiveness of this Amendment to its Registration Statement and has caused this Amendment to its Registration Statement to be signed on its behalf by the undersigned, thereunto duly authorized in the City of Minneapolis, and State of Minnesota, on April 27, 2026.

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| | |
|:---|:---|
| RIVERSOURCE OF NEW YORK ACCOUNT 8 | RIVERSOURCE OF NEW YORK ACCOUNT 8 |
| (Registrant) | (Registrant) |
| By: | /s/ Jason J. Poor |
|  | &nbsp;&nbsp; Jason J. Poor<br> President and Chief Executive Officer<br>|

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As required by the Securities Act of 1933, this Amended Registration Statement has been signed by the Depositor on April 27, 2026.

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

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| | |
|:---|:---|
| RiverSource Life Insurance Co. of New York | RiverSource Life Insurance Co. of New York |
| (Depositor) | (Depositor) |
| By: | /s/ Jason J. Poor |
|  | &nbsp;&nbsp; Jason J. Poor<br> President and Chief Executive Officer<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 April 27, 2026.

---

| | |
|:---|:---|
| Signature | Title |
| /s/ Jason J. Poor | &nbsp;&nbsp;&nbsp;&nbsp; President and Chief Executive Officer<br> (Chief Executive Officer)  |
| Jason J. Poor | &nbsp;&nbsp;&nbsp;&nbsp; President and Chief Executive Officer<br> (Chief Executive Officer)  |
| /s/ Michael J. Pelzel  | Senior Vice President – Corporate Tax |
| Michael J. Pelzel | Senior Vice President – Corporate Tax |
| /s/ Kevin L. Kehn | Senior Vice President and Chief Actuary |
| Kevin L. Kehn | Senior Vice President and Chief Actuary |
| /s/ Shweta Jhanji | Senior Vice President and Treasurer |
| Shweta Jhanji | Senior Vice President and Treasurer |
| /s/ Kara D. Sherman | Senior Vice President - National Sales Manager - Insurance |
| Kara D. Sherman | Senior Vice President - National Sales Manager - Insurance |
| /s/ Ronald L. Guzior | Director |
| Ronald L. Guzior | Director |
| /s/ Sarah J. Thompson | Director |
| Sarah J. Thompson | Director |
| /s/ Karen M. Bohn  | Director |
| Karen M. Bohn | Director |
| /s/ Alyson L. Adams  | Director |
| Alyson L. Adams | Director |
| /s/ Diana M. Marchesi  | Director |
| Diana M. Marchesi | Director |
| /s/ John D. Bullock | Director |
| John D. Bullock | Director |

---

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---

| | |
|:---|:---|
| Signature | Title |
| /s/ Gregg L. Ewing | &nbsp;&nbsp;&nbsp;&nbsp; Vice President, Chief Financial Officer and Controller<br> (Principal Accounting Officer) (Chief Financial Officer) |
| Gregg L. Ewing | &nbsp;&nbsp;&nbsp;&nbsp; Vice President, Chief Financial Officer and Controller<br> (Principal Accounting Officer) (Chief Financial Officer) |
| /s/ Stephen R. Wolfrath | &nbsp;&nbsp;&nbsp;&nbsp; Senior Vice President - Insurance & Annuities Product <br> Development & Management |
| Stephen R. Wolfrath | &nbsp;&nbsp;&nbsp;&nbsp; Senior Vice President - Insurance & Annuities Product <br> Development & Management |

---

[Signed pursuant to Power of Attorney to sign Amendment to this Registration Statement dated April 16, 2026, filed electronically as](https://www.sec.gov/Archives/edgar/data/1007571/000119312526177586/d115700dex99pi.htm)[Exhibit (p)(i) to RiverSource of New York Variable Annuity Account's Post-Effective Amendment No. 8 to Registration Statement on](https://www.sec.gov/Archives/edgar/data/1007571/000119312526177586/d115700dex99pi.htm)[Form N-4, File No. 333-230375, is incorporated by reference](https://www.sec.gov/Archives/edgar/data/1007571/000119312526177586/d115700dex99pi.htm), by:

---

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

---

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CONTENTS OF POST-EFFECTIVE AMENDMENT NO. 16

This Registration Statement is comprised of the following papers and documents:

The Cover Page.

PART A.

Prospectus for:

RiverSource® Variable Universal Life 6 Insurance

PART B.

The combined Statement of Additional Information and Financial Statements for RiverSource of New York Account 8 dated May 1, 2026, filed electronically herewith.

Part C.

Other Information.

Signatures.

Exhibits.

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EXHIBIT INDEX

&nbsp;&nbsp;&nbsp;&nbsp;(k) Consent and Opinion of Counsel.

&nbsp;&nbsp;&nbsp;&nbsp;(n) Consent of Independent Registered Public Accounting Firm.

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## Ex-99.K

Exhibit (k): Consent and Opinion of Counsel

April 27, 2026

RiverSource Life Insurance Co. of New York <br>20 Madison Avenue Extension <br>Albany, NY 12203

Re:

RiverSource of New York Account 8, Form N-6 <br>Post-Effective Amendment No. 16 <br>Flexible Premium Variable Life Insurance Policy <br>RiverSource Variable Universal Life 6 Insurance <br>File Nos. 333-227507/811-05213

Ladies and Gentlemen:

I am familiar with the establishment of the RiverSource of New York Account 8 ("Account"), which is a separate account of RiverSource Life Insurance Co. of New York ("Company") established by the Company's Board of Directors according to applicable insurance law. I also am familiar with the above-referenced Registration Statement filed by the Company on behalf of the Account with the Securities and Exchange Commission.

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 policies.

2. The Account is a validly created and existing separate account of the Company and is duly authorized to issue the securities registered.

3. The policies 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>|

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## Ex-99.N

Exhibit (n) Consent of Independent Registered Public Accounting Firm for VUL 6 NY

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We hereby consent to the use in this Post-Effective Amendment No. 16 to the Registration Statement on Form N-6 (No.333-227507) (the "Registration Statement") of our report dated April 22, 2026 relating to the financial statements of RiverSource Life Insurance Co. of New York and consent to the use in the Registration Statement of our report dated April 24, 2026 relating to the financial statements of each of the divisions of RiverSource of New York Account 8 indicated in our report, which appear in such Registration Statement. We also consent to the reference to us under the heading "Experts" in such Registration Statement.

/s/ PricewaterhouseCoopers LLP

Minneapolis, Minnesota

April 24, 2026

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