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Prospectus

May 1, 2014

RiverSource

Retirement Advisor Variable Annuity^®

INDIVIDUAL FLEXIBLE PREMIUM DEFERRED COMBINATION FIXED/VARIABLE ANNUITY

New RiverSource Retirement Advisor Variable Annuity contracts are not currently being offered.


Issued by:	RiverSource Life Insurance Company (RiverSource Life)

70100 Ameriprise Financial Center

Minneapolis, MN 55474

Telephone: 1-800-862-7919

(Corporate Office)

ameriprise.com/variableannuities

RiverSource Variable Account 10

This prospectus contains information that you should know before investing. Prospectuses are also available for:


•	AllianceBernstein Variable Products Series Fund, Inc.
•	ALPS Variable Investment Trust
•	American Century Variable Portfolios, Inc.
•	BlackRock Variable Series, Inc.
•	Calvert Variable Series, Inc.
•	Columbia Funds Variable Insurance Trust
•	Columbia Funds Variable Series Trust II
•	Credit Suisse Trust
•	DWS Variable Series II
•	Eaton Vance Variable Trust
•	Fidelity^® Variable Insurance Products – Service Class
•	Franklin^® Templeton^® Variable Insurance Products Trust (FTVIPT) – Class 2
•	Goldman Sachs Variable Insurance Trust (VIT)
•	Invesco Variable Insurance Funds
•	Ivy Funds Variable Insurance Portfolios
•	Janus Aspen Series: Service Shares
•	Lazard Retirement Series, Inc.
•	MFS^® Variable Insurance Trust^sm
•	Morgan Stanley Universal Institutional Funds (UIF)
•	Neuberger Berman Advisers Management Trust
•	Oppenheimer Variable Account Funds – Service Shares
•	PIMCO Variable Insurance Trust (VIT)
•	Putnam Variable Trust – Class IB Shares
•	Royce Capital Fund
•	Third Avenue Variable Series Trust
•	Wanger Advisors Trust
•	Van Eck VIP Trust
•	Wells Fargo Variable Trust

Please read the prospectuses carefully and keep them for future reference.

The contract provides for purchase payment credits which we may reverse under certain circumstances. Surrender charges from contracts with purchase payment credits may be higher than surrender charges for contracts without such credits. The amount of the credit may be more than offset by additional surrender charges associated with the credit.

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.

An investment in this contract is not a deposit of a bank or financial institution and is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. An investment in this contract involves investment risk including the possible loss of principal.

A Statement of Additional Information (SAI), dated the same date as this prospectus, is incorporated by reference into this prospectus. It is filed with the SEC and is available without charge by contacting RiverSource Life at the telephone number and address listed above. The table of contents of the SAI is on the last page of this prospectus. The SEC maintains an Internet site. This prospectus, the SAI and other information about the product are available on the EDGAR Database on the SEC’s Internet site at (http://www.sec.gov).

Variable annuities are insurance products that are complex investment vehicles. Be sure to ask your financial advisor about the variable annuity’s features, benefits, risks and fees.

This prospectus provides a general description of the contract. Your actual contract and any riders or endorsements are the controlling documents. RiverSource Life has not authorized any person to give any information or to make any representations regarding the contract other than those contained in this prospectus or the Fund prospectuses. Do not rely on any such information or representations.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS 1

Key Terms

These terms can help you understand details about your contract.

Accumulation unit: A measure of the value of each subaccount before annuity payouts begin.

Annuitant: The person or persons on whose life or life expectancy the annuity payouts are based.

Annuity payouts: An amount paid at regular intervals under one of several plans.

Assumed investment rate: The rate of return we assume your investments will earn when we calculate your initial annuity payout amount using the annuity table in your contract. The standard assumed investment rate we use is 5% but you may request we substitute an assumed investment rate of 3.5%.

Beneficiary: The person you designate to receive benefits in case of the owner’s or annuitant’s death while the contract is in force.

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.

Contract: A deferred annuity contract that permits you to accumulate money for retirement by making one or more purchase payments. It provides for lifetime or other forms of payouts beginning at a specified time in the future.

Contract value: The total value of your contract before we deduct any applicable charges.

Contract year: A period of 12 months, starting on the effective date of your contract and on each anniversary of the effective date.

Enhanced Earnings Death Benefit (EEB): This is an optional benefit you can add to your contract for an additional charge. It is intended to provide an additional benefit to your beneficiary to help offset expenses after your death such as funeral expenses or federal and state taxes.

Fixed account: An account to which you may allocate purchase payments. Amounts you allocate to this account earn interest at rates that we declare periodically.

Funds: Investment options under your contract. Unless an asset allocation program is in effect, you may allocate your purchase payments into subaccounts investing in shares of any or all of these funds.

Good order: We cannot process your transaction request relating to the contract until we have received the request in good order at our corporate office. “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 contract number; the transaction amount (in dollars); the names of and allocations to and/or from the subaccounts 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 contract 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.

Maximum Anniversary Value Death Benefit (MAV): This is an optional benefit you can add to your contract for an additional charge that is intended to provide additional death benefit protection in the event of fluctuating fund values.

Owner (you, your): The person or persons identified in the contract as owner(s) of the contract, who has or have the right to control the contract (to decide on investment allocations, transfers, payout options, etc.). Usually, but not always, the owner is also the annuitant. During the owner’s life, the owner is responsible for taxes, regardless of whether he or she receives the contract’s benefits. When the contract is owned by a revocable trust, the annuitant selected should be the grantor of the trust to assure compliance with Section 72(s) of the Code.

Purchase payment credits: An addition we make to your contract value. We base the amount of the credit on the surrender charge schedule you elect and/or total purchase payments.

Qualified annuity: A contract that you purchase to fund one of the following tax-deferred retirement plans that is subject to applicable federal law and any rules of the plan itself:


•	Individual Retirement Annuities (IRAs) including the inherited IRAs under Section 408(b) of the Code

•	Roth IRAs including inherited Roth IRAs under Section 408 A of the Code

•	SIMPLE IRAs under Section 408(p) of the Code

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS 3


•	Simplified Employee Pension IRA (SEP) plans under Section 408(k) of the Code

•	Plans under Section 401(k) of the Code

•	Custodial and investment only accounts maintained for qualified retirement plans under Section 401(a) of the Code

•	Tax-Sheltered Annuities (TSAs) under Section 403(b) of the Code

A qualified annuity will not provide any necessary or additional tax deferral if it is used to fund a retirement plan that is already tax deferred.

All other contracts are considered nonqualified annuities.

Rider: You receive a rider when you purchase the EEB and MAV. The rider adds the terms of the optional benefit to your contract.

Rider effective date: The date a rider becomes effective as stated in the rider.

RiverSource Life: In this prospectus, “we,” “us,” “our” and “RiverSource Life” refer to RiverSource Life Insurance Company.

Settlement date: The date when annuity payouts are scheduled to begin.

Surrender value: The amount you are entitled to receive if you make a full surrender from your contract. It is the contract value minus any applicable charges.

Valuation date: Any normal business day, Monday through Friday, on which the NYSE is open, up to the time it closes. 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 purchase payment or any transaction request (such as a transfer or surrender request) in good order at our corporate office before the close of business, we will process your payment or transaction using the accumulation unit value we calculate on the valuation date we received your payment or transaction request. On the other hand, if we receive your purchase payment or transaction request in good order at our corporate office at or after the close of business, we will process your payment or 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.

Variable account: Consists of separate subaccounts to which you may allocate purchase payments; each invests in shares of one fund. The value of your investment in each subaccount changes with the performance of the particular fund.

4 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS

The Contract in Brief

Purpose: The purpose of the contract is to allow you to accumulate money for retirement or a similar long-term goal. You do this by making one or more purchase payments. You may allocate your purchase payments to the fixed account and/or subaccounts under the contract; however, you risk losing amounts you invest in the subaccounts of the variable account. These accounts, in turn, may earn returns that increase the value of the contract. If the contract value goes to zero due to underlying fund’s performance or deduction of fees, the contract will no longer be in force and the contract (including any death benefit riders) will terminate. Beginning at a specified time in the future called the settlement date, the contract provides lifetime or other forms of payout of your contract value (less any applicable premium tax).

Tax-deferred retirement plans: Most annuities have a tax-deferred feature. So do many retirement plans under the Code. As a result, when you use a qualified annuity to fund a retirement plan that is tax-deferred, your contract will not provide any necessary or additional tax deferral for that retirement plan. A qualified annuity has features other than tax deferral that may help you reach your retirement goals. In addition, the Code subjects retirement plans to required withdrawals triggered at a certain age. These mandatory withdrawals are called required minimum distributions (RMDs). RMDs may reduce the value of certain death benefits and optional riders (see “Taxes — Qualified Annuities — Required Minimum Distributions”). You should consult your tax advisor before you purchase the contract as a qualified annuity for an explanation of the potential tax implications to you.

Accounts: Generally, you may allocate your purchase payments among any or all of:


•	the subaccounts of the variable account, each of which invests in a fund with a particular investment objective. The value of each subaccount varies with the performance of the particular fund in which it invests. We cannot guarantee that the value at the settlement date will equal or exceed the total purchase payments you allocate to the subaccounts. (see “Variable Account and the Funds”)

•	the fixed account, which earns interest at a rate that we adjust periodically. Purchase payment allocations to the fixed account may be subject to special restrictions. (see “The Fixed Account”)

Buying your contract: We no longer offer new contracts. However, you have the option of making additional purchase payments in the future. (see “Buying Your Contract”)

Transfers: Subject to certain restrictions, you currently may redistribute your contract value among the accounts until annuity payouts begin, and once per contract year among the subaccounts after annuity payouts begin. You may establish automated transfers among the accounts. Fixed account transfers are subject to special restrictions. (see “Making the Most of Your Contract — Transferring Among Accounts”)

Benefits in case of death: If you or the annuitant die before annuity payouts begin, we will pay the beneficiary an amount at least equal to the contract value, except in the case of a purchase payment credit reversal. (see “Benefits in Case of Death — Standard Death Benefit”)

Optional benefits: This contract offers optional features that are available for additional charges if you meet certain criteria. (see “Optional Benefits”)

Annuity payouts: You can apply your contract value, after reflecting any adjustments, to an annuity payout plan that begins on the settlement date. You may choose from a variety of plans that can help meet your retirement or other income needs. The payout schedule must meet IRS requirements. We can make payouts on a fixed or variable basis, or both. Total monthly payouts may include amounts from each subaccount and the fixed account. During the annuity payout period, you cannot be invested in more than five subaccounts at any one time unless we agree otherwise. (see “The Annuity Payout Period”)

Taxes: Generally, income earned on your contract value grows tax-deferred until you surrender it or begin to receive payouts. (Under certain circumstances, IRS penalty taxes may apply.) The tax treatment of qualified and nonqualified annuities differs. Even if you direct payouts to someone else, you will be taxed on the income if you are the owner. However, Roth IRAs may grow and be distributed tax free if you meet certain distribution requirements. (see “Taxes”)

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS 5

Expense Summary

The following tables describe the fees and expenses that are paid when buying, owning and surrendering the contract. The first table describes the fees and expenses that you paid at the time that you bought the contract and may pay when you surrender the contract. State premium taxes also may be deducted.

CONTRACT OWNER TRANSACTION EXPENSES

Surrender charge

(Contingent deferred sales load as a percentage of purchase payment surrendered)

The owner selects either a seven-year or ten-year surrender charge schedule at the time of application.*


Seven-year schedule				Ten-year schedule*
Number of completed years from	Surrender charge			Number of completed years from	Surrender charge
date of each purchase payment**	percentage			date of each purchase payment**	percentage

0		7	%	0		8	%
1		7		1		8
2		7		2		8
3		6		3		7
4		5		4		7
5		4		5		6
6		2		6		5
7		0		7		4
				8		3
				9		2
				10		0


*		The ten-year surrender charge schedule is not available for contracts issued in Oregon. For contracts issued in Massachusetts, Oregon and Washington, surrender charges are waived after the tenth contract anniversary for all payments regardless of when payments are made.
**		According to our current administrative practice, for the purpose of surrender charge calculation, we consider that the year is completed fourteen days prior to the anniversary of the day each purchase payment was received.

Surrender charge under Annuity Payout Plan E — Payouts for a specified period: Under this annuity payout plan, you can choose to take a surrender. The amount that you can surrender is the present value of any remaining variable payouts. The surrender charge equals the present value of the remaining payouts using the assumed investment rate minus the present value of the remaining payouts using the discount rate. (See “Charges — Surrender Charge” and “The Annuity Payout Period — Annuity Payout Plans.”)


	Assumed investment rate
	3.50%		5.00%


Qualified annuity discount rate		4.72%		6.22%

Nonqualified annuity discount rate		4.92%		6.42%

The next tables describe the fees and expenses that you will pay periodically during the time that you own the contract, not including fund fees and expenses.

ANNUAL CONTRACT ADMINISTRATIVE CHARGE



		$	30

(We will waive this charge when your contract value, or total purchase payments less any payments surrendered, is $50,000 or more on the current contract anniversary, except at full surrender.)

OPTIONAL RIDER FEES

(As a percentage of the contract value charged annually at the contract anniversary. The fee applies only if you elect the optional rider.)



MAV rider fee							0.15%

EEB rider fee							0.30%

PN rider fee*							0.00%


*		Effective May 10, 2010 the rider is not required to select funds of funds in the PN program and this fee does not apply. Prior to May 10, 2010, the PN rider fee was 0.10% and the maximum fee was 0.20%.

6 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS

ANNUAL VARIABLE ACCOUNT EXPENSES

(Total annual variable account expenses as a percentage of average daily subaccount value.)


Mortality and expense risk fee


For nonqualified annuities			0.95%

For qualified annuities			0.75%

ANNUAL OPERATING EXPENSES OF THE FUNDS

The next two tables describe the operating expenses of the funds that you may pay periodically during the time that you own the contract. These operating expenses are for the fiscal year ended Dec. 31, 2013, unless otherwise noted. The first table shows the minimum and maximum total operating expenses charged by the funds. The second table shows the actual fees and expenses charged by each fund. More detail concerning each fund’s fees and expenses is contained in the prospectus for each fund.

Minimum and maximum total annual operating expenses for the funds^(a)

(Including management fee, distribution and/or service (12b-1) fees and other expenses)


	Minimum		Maximum



Total expenses before fee waivers and/or expense reimbursements		0.44%		4.82%


^(a)		Each fund deducts management fees and other expenses from fund assets. Fund assets include amounts you allocate to a particular fund. Funds may also charge 12b-1 fees that are used to finance any activity that is primarily intended to result in the sale of fund shares. Because 12b-1 fees are paid out of fund assets on an on-going basis, you may pay more if you select subaccounts investing in funds that have adopted 12b-1 plans than if you select subaccounts investing in funds that have not adopted 12b-1 plans. The fund or the fund’s affiliates may pay us or our affiliates for promoting and supporting the offer, sale and servicing of fund shares. In addition, the fund’s distributor and/or investment adviser, transfer agent or their affiliates may pay us or our affiliates for various services we or our affiliates provide. 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.

Total annual operating expenses for each fund*

(Before fee waivers and/or expense reimbursements, if applicable, as a percentage of average daily net assets)


				Distribution
				and/or						Acquired fund			Total annual
	Management			Service 12b-1			Other			fees and			operating
Fund name**	fees			fees			expenses			expenses***			expenses


AllianceBernstein VPS Dynamic Asset Allocation Portfolio (Class B)		0.70	%		0.25	%		0.19	%		—	%		1.14	%⁽¹⁾


AllianceBernstein VPS Global Thematic Growth Portfolio (Class B)		0.75			0.25			0.23			—			1.23


AllianceBernstein VPS Growth and Income Portfolio (Class B)		0.55			0.25			0.05			—			0.85


AllianceBernstein VPS International Value Portfolio (Class B)		0.75			0.25			0.07			—			1.07


ALPS/Alerian Energy Infrastructure Portfolio: Class III		0.70			0.25			1.27			—			2.22	⁽²⁾


American Century VP International, Class I		1.36			—			0.01			—			1.37


American Century VP Mid Cap Value, Class II		0.90			0.25			0.01			—			1.16


American Century VP Ultra^®, Class II		0.90			0.25			0.01			—			1.16


American Century VP Value, Class I		0.97			—			—			—			0.97


BlackRock Global Allocation V.I. Fund (Class III)		0.62			0.25			0.24			—			1.11	⁽³⁾


Calvert VP SRI Balanced Portfolio		0.69			—			0.21			—			0.90


Columbia Variable Portfolio – Balanced Fund (Class 3)		0.64			0.13			0.16			—			0.93


Columbia Variable Portfolio – Cash Management Fund (Class 3)		0.33			0.13			0.15			—			0.61


Columbia Variable Portfolio – Commodity Strategy Fund (Class 2)		0.55			0.25			0.30			—			1.10


Columbia Variable Portfolio – Contrarian Core Fund (Class 2)		0.68			0.25			0.13			—			1.06


Columbia Variable Portfolio – Core Bond Fund (Class 2)		0.43			0.25			0.14			—			0.82


Columbia Variable Portfolio – Diversified Bond Fund (Class 3)		0.41			0.13			0.14			—			0.68


Columbia Variable Portfolio – Dividend Opportunity Fund (Class 3)		0.56			0.13			0.14			—			0.83


Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2)		0.53			0.25			0.16			—			0.94

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS 7

Total annual operating expenses for each fund* (continued)

(Before fee waivers and/or expense reimbursements, if applicable, as a percentage of average daily net assets)


				Distribution
				and/or						Acquired fund			Total annual
	Management			Service 12b-1			Other			fees and			operating
Fund name**	fees			fees			expenses			expenses***			expenses


Columbia Variable Portfolio – Emerging Markets Fund (Class 3)		1.07	%		0.13	%		0.23	%		—	%		1.43	%


Columbia Variable Portfolio – Global Bond Fund (Class 3)		0.56			0.13			0.17			—			0.86


Columbia Variable Portfolio – High Yield Bond Fund (Class 3)		0.58			0.13			0.18			—			0.89


Columbia Variable Portfolio – Income Opportunities Fund (Class 3)		0.57			0.13			0.15			—			0.85


Columbia Variable Portfolio – International Opportunity Fund (Class 3)		0.79			0.13			0.21			—			1.13


Columbia Variable Portfolio – Large Cap Growth Fund (Class 3)		0.68			0.13			0.13			—			0.94


Columbia Variable Portfolio – Large Core Quantitative Fund (Class 3)		0.64			0.13			0.15			—			0.92


Columbia Variable Portfolio – Limited Duration Credit Fund (Class 2)		0.46			0.25			0.13			—			0.84


Columbia Variable Portfolio – Marsico Growth Fund (Class 1)		0.71			—			0.17			—			0.88	^(4),(5)


Columbia Variable Portfolio – Marsico International Opportunities Fund (Class 2)		0.79			0.25			0.25			—			1.29	^(4),(5)


Columbia Variable Portfolio – Mid Cap Growth Opportunity Fund (Class 3)		0.76			0.13			0.14			—			1.03


Columbia Variable Portfolio – Mid Cap Value Opportunity Fund (Class 3)		0.74			0.13			0.14			—			1.01


Columbia Variable Portfolio – Multi-Strategy Alternatives Fund (Class 2)**		1.02			0.25			0.23			—			1.50


Columbia Variable Portfolio – S&P 500 Index Fund (Class 3)		0.10			0.13			0.21			—			0.44


Columbia Variable Portfolio – Select Large-Cap Value Fund (Class 3)		0.70			0.13			0.13			—			0.96


Columbia Variable Portfolio – Select Smaller-Cap Value Fund (Class 3)		0.79			0.13			0.20			—			1.12


Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 3)		0.36			0.13			0.13			—			0.62


Credit Suisse Trust – Commodity Return Strategy Portfolio		0.50			0.25			0.58			—			1.33	⁽⁶⁾


DWS Alternative Asset Allocation VIP, Class B		0.36			0.25			0.32			1.23			2.16	⁽⁷⁾


Eaton Vance VT Floating-Rate Income Fund		0.58			0.50			0.08			—			1.16


Fidelity^® VIP Contrafund^® Portfolio Service Class 2		0.55			0.25			0.09			—			0.89


Fidelity^® VIP Growth & Income Portfolio Service Class		0.45			0.10			0.13			—			0.68


Fidelity^® VIP Mid Cap Portfolio Service Class		0.55			0.10			0.09			—			0.74


Fidelity^® VIP Overseas Portfolio Service Class		0.70			0.10			0.14			—			0.94


Fidelity^® VIP Strategic Income Portfolio Service Class 2		0.56			0.25			0.12			—			0.93


FTVIPT Franklin Global Real Estate VIP Fund – Class 2**		1.05			0.25			0.05			—			1.35	⁽⁸⁾


FTVIPT Franklin Income VIP Fund – Class 2**		0.45			0.25			0.02			—			0.72


FTVIPT Franklin Small Cap Value VIP Fund – Class 2**		0.50			0.25			0.13			—			0.88


FTVIPT Templeton Global Bond VIP Fund – Class 2**		0.46			0.25			0.05			—			0.76


Goldman Sachs VIT Mid Cap Value Fund – Institutional Shares		0.80			—			0.06			—			0.86	⁽⁹⁾


Goldman Sachs VIT Multi-Strategy Alternatives Portfolio – Advisor Shares		0.15			0.40			1.39			0.90			2.84	⁽¹⁰⁾


Goldman Sachs VIT Small Cap Equity Insights Fund – Institutional Shares**		0.75			—			0.23			—			0.98	⁽¹¹⁾


Goldman Sachs VIT U.S. Equity Insights Fund – Institutional Shares**		0.62			—			0.09			—			0.71	⁽¹²⁾


Invesco V.I. American Franchise Fund, Series I Shares		0.67			—			0.29			—			0.96


Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares		0.90			0.25			0.21			0.11			1.47	⁽¹³⁾


Invesco V.I. Comstock Fund, Series II Shares		0.56			0.25			0.28			—			1.09	⁽¹⁴⁾

8 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS

Total annual operating expenses for each fund* (continued)

(Before fee waivers and/or expense reimbursements, if applicable, as a percentage of average daily net assets)


				Distribution
				and/or						Acquired fund			Total annual
	Management			Service 12b-1			Other			fees and			operating
Fund name**	fees			fees			expenses			expenses***			expenses


Invesco V.I. Global Health Care Fund, Series II Shares		0.75	%		0.25	%		0.35	%		0.01	%		1.36	%⁽¹⁵⁾


Invesco V.I. International Growth Fund, Series II Shares		0.71			0.25			0.31			0.01			1.28	⁽¹⁵⁾


Invesco V.I. Mid Cap Growth Fund, Series I Shares		0.75			—			0.33			—			1.08


Ivy Funds VIP Asset Strategy		0.68			0.25			0.05			—			0.98	⁽¹⁶⁾


Janus Aspen Series Enterprise Portfolio: Service Shares		0.64			0.25			0.05			—			0.94


Janus Aspen Series Flexible Bond Portfolio: Service Shares		0.51			0.25			0.05			—			0.81


Janus Aspen Series Global Allocation Portfolio – Moderate: Service Shares		0.05			0.25			2.12			0.81			3.23	⁽¹⁷⁾


Janus Aspen Series Global Technology Portfolio: Service Shares		0.64			0.25			0.13			—			1.02


Janus Aspen Series Janus Portfolio: Service Shares		0.49			0.25			0.05			—			0.79


Janus Aspen Series Overseas Portfolio: Service Shares		0.44			0.25			0.07			—			0.76


Lazard Retirement Global Dynamic Multi Asset Portfolio – Service Shares**		0.85			0.25			0.60			—			1.70	⁽¹⁸⁾


MFS^® Investors Growth Stock Series – Service Class		0.75			0.25			0.07			—			1.07


MFS^® New Discovery Series – Service Class		0.90			0.25			0.06			—			1.21


MFS^® Utilities Series – Service Class		0.73			0.25			0.07			—			1.05


Morgan Stanley UIF Global Real Estate Portfolio, Class II Shares		0.85			0.35			0.49			—			1.69	⁽¹⁹⁾


Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares		0.75			0.35			0.34			—			1.44	⁽¹⁹⁾


Neuberger Berman Advisers Management Trust Absolute Return Multi-Manager Portfolio (Class S)		2.00			0.25			1.74			0.04			4.03	⁽²⁰⁾


Neuberger Berman Advisers Management Trust International Equity Portfolio (Class S)		1.15			0.25			1.09			—			2.49	⁽²¹⁾


Oppenheimer Global Fund/VA, Service Shares		0.63			0.25			0.14			—			1.02


Oppenheimer Global Strategic Income Fund/VA, Service Shares		0.57			0.25			0.17			—			0.99	⁽²²⁾


Oppenheimer Main Street Small Cap Fund^®/VA, Service Shares		0.68			0.25			0.13			—			1.06	⁽²³⁾


PIMCO VIT All Asset Portfolio, Advisor Class		0.43			0.25			—			0.76			1.44	⁽²⁴⁾


PIMCO VIT Global Multi-Asset Managed Allocation Portfolio, Advisor Class**		0.95			0.25			0.01			0.52			1.73	⁽²⁵⁾


PIMCO VIT Total Return Portfolio, Advisor Class		0.50			0.25			—			—			0.75


Putnam VT Multi-Cap Growth Fund – Class IB Shares		0.56			0.25			0.16			—			0.97


Royce Capital Fund – Micro-Cap Portfolio, Investment Class		1.25			—			0.07			0.02			1.34


Third Avenue Value Portfolio		0.90			—			0.30			—			1.20


Van Eck VIP Global Gold Fund (Class S Shares)		0.75			0.25			3.82			—			4.82	⁽²⁶⁾


Variable Portfolio – Aggressive Portfolio (Class 2)		—			0.25			0.03			0.80			1.08


Variable Portfolio – Aggressive Portfolio (Class 4)		—			0.25			0.03			0.80			1.08


Variable Portfolio – AQR Managed Futures Strategy Fund (Class 2)		1.02			0.25			0.17			—			1.44


Variable Portfolio – BlackRock Global Inflation-Protected Securities Fund (Class 3)		0.42			0.13			0.14			—			0.69


Variable Portfolio – Conservative Portfolio (Class 2)		—			0.25			0.03			0.60			0.88


Variable Portfolio – Conservative Portfolio (Class 4)		—			0.25			0.03			0.60			0.88


Variable Portfolio – Goldman Sachs Commodity Strategy Fund (Class 2)		0.55			0.25			0.16			—			0.96

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS 9

Total annual operating expenses for each fund* (continued)

(Before fee waivers and/or expense reimbursements, if applicable, as a percentage of average daily net assets)


				Distribution
				and/or						Acquired fund			Total annual
	Management			Service 12b-1			Other			fees and			operating
Fund name**	fees			fees			expenses			expenses***			expenses


Variable Portfolio – Moderate Portfolio (Class 2)		—	%		0.25	%		0.02	%		0.72	%		0.99	%


Variable Portfolio – Moderate Portfolio (Class 4)		—			0.25			0.02			0.72			0.99


Variable Portfolio – Moderately Aggressive Portfolio (Class 2)		—			0.25			0.02			0.76			1.03


Variable Portfolio – Moderately Aggressive Portfolio (Class 4)		—			0.25			0.02			0.76			1.03


Variable Portfolio – Moderately Conservative Portfolio (Class 2)		—			0.25			0.02			0.67			0.94


Variable Portfolio – Moderately Conservative Portfolio (Class 4)		—			0.25			0.02			0.67			0.94


Variable Portfolio – Partners Small Cap Value Fund (Class 3)		0.91			0.13			0.14			0.01			1.19


Variable Portfolio – Pyrford International Equity Fund (Class 2)		0.77			0.25			0.18			—			1.20


Variable Portfolio – Sit Dividend Growth Fund (Class 3)		0.71			0.13			0.13			0.05			1.02


Variable Portfolio – Victory Established Value Fund (Class 3)		0.77			0.13			0.12			—			1.02


Variable Portfolio – Wells Fargo Short Duration Government Fund (Class 2)		0.46			0.25			0.13			—			0.84


Wanger International		0.90			—			0.17			—			1.07


Wanger USA		0.86			—			0.10			—			0.96


Wells Fargo Advantage VT Index Asset Allocation Fund – Class 2		0.55			0.25			0.31			—			1.11	⁽²⁷⁾


Wells Fargo Advantage VT International Equity Fund – Class 2		0.75			0.25			0.20			0.01			1.21	⁽²⁷⁾


Wells Fargo Advantage VT Small Cap Growth Fund – Class 2		0.75			0.25			0.18			—			1.18


Western Asset Variable Global High Yield Bond Portfolio – Class II		0.70			0.25			0.13			—			1.08


*		The Funds provided the information on their expenses and we have not independently verified the information.


**		The previous fund names can be found in “The Variable Account and the Funds” section of the prospectus.


***		Includes fees and expenses incurred indirectly by the Fund as a result of its investment in other investment companies (also referred to as acquired funds).


⁽¹⁾		After a voluntary expense waiver and reimbursement, net expenses would be 1.10%.


⁽²⁾		ALPS Advisors, Inc. (the “Adviser”) has contractually agreed to waive its management fee and/or reimburse expenses so that total annual fund operating expenses after fee waiver/expense reimbursements (not including Distribution and/or Service (12b-1) Fees, Shareholder Service Fees, acquired fund fees and expenses, taxes, brokerage commissions and extraordinary expenses) do not exceed a maximum of 0.80% of Class III shares average daily net assets through April 29, 2015. This agreement may only be terminated during the period by the Board of Trustees of ALPS Variable Investment Trust. After fee waivers and/or reimbursements, net expenses would be 1.30%.


⁽³⁾		BlackRock has contractually agreed to waive and/or reimburse fees or expenses in order to limit total annual fund operating expenses after fee waivers and/or expense reimbursements (excluding dividend expense, interest expense, acquired fund fees and expenses and certain other Fund expenses) to 1.50% of average daily net assets until May 1, 2015. BlackRock has also contractually agreed to reimburse fees in order to limit certain operational and recordkeeping fees to 0.07% of average daily net assets until May 1, 2015. Each of these contractual agreements may be terminated upon 90 days’ notice by a majority of the non-interested directors of the Fund or by a vote of a majority of the outstanding voting securities of the Fund. In addition, the Manager may waive a portion of the Fund’s management fee in connection with the Fund’s investment in an affiliated money market fund. After fee waivers and/or reimbursements, net expenses would be 0.97%.


⁽⁴⁾		Management fees have been restated to reflect contractual changes to the investment management fee rates.


⁽⁵⁾		Other expenses have been restated to reflect contractual changes to certain fees paid by the Fund.


⁽⁶⁾		Credit Suisse Trust (the Trust) and Credit Suisse Asset Management, LLC (Credit Suisse) have entered into a written contract limiting operating expenses (excluding certain expenses as described below) to 1.05% of the portfolio’s average daily net assets at least through November 15, 2015. The Trust is authorized to reimburse Credit Suisse for management fees previously limited and/or for expenses previously paid by Credit Suisse, provided, however, that any reimbursements must be paid at a date not more than three years after the end of the fiscal year during which such fees were limited or expenses were paid by Credit Suisse and the reimbursements do not cause the portfolio to exceed the expense limitation in the contract at the time the fees were limited or expenses were paid. This contract may not be terminated before November 15, 2015.


⁽⁷⁾		Through April 30, 2015, the Advisor has contractually agreed to waive all or a portion of its management fee and reimburse or pay certain operating expenses of the portfolio to the extent necessary to maintain the portfolio’s total annual operating expenses at ratios no higher than 0.57% for Class B shares, excluding certain expenses such as extraordinary expenses, taxes, brokerage, interest expense and acquired funds (underlying funds) fees and expenses (estimated at 1.23%). These agreements may only be terminated with the consent of the fund’s Board. After fee waivers and/or reimbursements, net expenses would be 1.80%.


⁽⁸⁾		Management fees and other expenses have been restated to reflect current fiscal year fees and expenses as a result of the bundling of the fund’s investment management agreement with its fund administration agreement effective May 1, 2013. Such combined investment management fees are described further under “Management” in the fund’s prospectus. Total annual fund operating expenses are not affected by such bundling.


⁽⁹⁾		The Investment Adviser has agreed to waive a portion of its management fee in order to achieve an effective net management fee rate of 0.77% of the Fund’s average daily net assets. This arrangement will remain in effect through at least April 30, 2015, and prior to such date the Investment Adviser may not terminate the arrangement without the approval of the Board of Trustees. After fee waivers and reimbursements, net expenses would be 0.83%.

10 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS


⁽¹⁰⁾		The Portfolio’s “Other Expenses” have been estimated to reflect expenses expected to be incurred during the first fiscal year. In addition, the Investment Adviser has agreed to (i) waive all of its Management Fees, and (ii) reduce or limit “Other Expenses” (excluding acquired fund fees and expenses, transfer agency fees and expenses, taxes, interest, brokerage fees, shareholder meeting, litigation, indemnification and extraordinary expenses) to 0.204% of the Portfolio’s average daily net assets. Each arrangement will remain in effect through at least April 30, 2015, and prior to such date the Investment Adviser may not terminate the arrangement without the approval of the Board of Trustees. After fee waivers and reimbursements, net expenses would be 1.52%.


⁽¹¹⁾		The Investment Adviser has agreed to (i) waive a portion of its management fee in order to achieve an effective net management fee rate of 0.70% of the Fund’s average daily net assets, and (ii) reduce or limit “Other Expenses” (excluding acquired fund fees and expenses, transfer agency fees and expenses, taxes, interest, brokerage fees, litigation, indemnification, shareholder meeting and other extraordinary expenses) to 0.094% of the Fund’s average daily net assets. These arrangements will remain in effect through at least April 30, 2015, and prior to such date the Investment Adviser may not terminate the arrangements without the approval of the Board of Trustees. The Fund’s “Other Expenses” may be further reduced by any custody and transfer agency fee credits received by the Fund. After fee waivers and reimbursements, net expenses would be 0.82%.


⁽¹²⁾		The Investment Adviser has agreed to reduce or limit “Other Expenses” (excluding acquired fund fees and expenses, transfer agency fees and expenses, taxes, interest, brokerage fees, litigation, indemnification, shareholder meeting and other extraordinary expenses) equal on an annualized basis to 0.004% of the Fund’s average daily net assets through at least April 30, 2015, and prior to such date the Investment Adviser may not terminate the arrangement without the approval of the Board of Trustees. The Fund’s “Other Expenses” may be further reduced by any custody and transfer agency fee credits received by the Fund. In addition, Goldman, Sachs & Co. (“Goldman Sachs”) has agreed to waive distribution and service fees so as not to exceed an annual rate of 0.21% of the Fund’s average daily net assets attributable to Service Shares through at least April 30, 2015, and prior to such date Goldman Sachs may not terminate the arrangement without the approval of the Board of Trustees. After fee waivers and reimbursements, net expenses would be 0.65%.


⁽¹³⁾		Invesco Advisers, Inc. (“Invesco or the Adviser”) has contractually agreed to waive advisory fees and/or reimburse expenses of Series II shares to the extent necessary to limit total annual fund operating expenses after fee waiver and/or expense reimbursement (excluding certain items discussed below) of Series II shares to 1.01% of the Fund’s average daily nets assets. In determining the Adviser’s obligation to waive advisory fees and/or reimburse expenses, the following expenses are not taken into account, and could cause the total annual fund operating expenses after fee waiver and/or expense reimbursement to exceed the numbers reflected above: (i) interest; (ii) taxes; (iii) dividend expense on short sales; (iv) extraordinary or non-routine items, including litigation expenses; (v) expenses that the Fund has incurred but did not actually pay because of an expense offset arrangement. Acquired fund fees and expenses are also excluded in determining such obligation. Invesco has also contractually agreed to waive a portion of the Fund’s management fee in an amount equal to the net management fee that Invesco earns on the Fund’s investments in certain affiliated funds. This waiver will have the effect of reducing acquired fund fees and expenses that are indirectly borne by the Fund. Unless Invesco continues the fee waiver agreements, they will terminate on April 30, 2015. The fee waiver agreements cannot be terminated during their terms. After fee waivers and/or expense reimbursements, net expenses would be 1.05%.


⁽¹⁴⁾		Invesco Advisers, Inc. (“Invesco or the Adviser”) has contractually agreed to waive advisory fees and/or reimburse expenses of Series II shares to the extent necessary to limit total annual fund operating expenses after fee waiver and/or expense reimbursement (excluding certain items discussed below) of Series II shares to 1.03% of the Fund’s average daily net assets. In determining the Adviser’s obligation to waive advisory fees and/or reimburse expenses, the following expenses are not taken into account, and could cause the total annual fund operating expenses after fee waiver and/or expense reimbursement to exceed the numbers reflected above: (i) interest; (ii) taxes; (iii) dividend expense on short sales; (iv) extraordinary or non-routine items, including litigation expenses; (v) expenses that the Fund has incurred but did not actually pay because of an expense offset arrangement. Unless Invesco continues the fee waiver agreement, it will terminate on April 30, 2015. The fee waiver agreement cannot be terminated during its term.


⁽¹⁵⁾		Invesco Advisers, Inc. (“Invesco or the Adviser”) has contractually agreed to waive a portion of the Fund’s management fee in an amount equal to the net management fee that Invesco earns on the Fund’s investments in certain affiliated funds. This waiver will have the effect of reducing acquired fund fees and expenses that are indirectly borne by the Fund. Unless Invesco continues the fee waiver agreement, it will terminate on April 30, 2015. The fee waiver agreement cannot be terminated during its term. After fee waivers, net expenses would be 1.35% for Invesco V.I. Global Health Care Fund, Series II Shares and 1.27% for Invesco V.I. International Growth Fund, Series II Shares.


⁽¹⁶⁾		After a voluntary expense waiver and/or reimbursement, net expenses would be 0.97%.


⁽¹⁷⁾		Janus Capital has contractually agreed to waive its investment advisory fee and/or reimburse Portfolio expenses to the extent that the Portfolio’s total annual fund operating expenses (excluding any expenses of an underlying fund (acquired fund fees and expenses), distribution and shareholder servicing fees, administrative services fees payable pursuant to the Transfer Agency Agreement, brokerage commissions, interest, dividends, taxes, and extraordinary expenses) exceed 0.14% until at least May 1, 2015. The contractual waiver may be terminated or modified at any time prior to this date only at the discretion of the Board of Trustees. After fee waivers and/or reimbursements, net expenses would be 1.22%.


⁽¹⁸⁾		The Investment Manager has contractually agreed to waive its fee and, if necessary, reimburse the Portfolio through April 30, 2015, to the extent total annual portfolio operating expenses exceed 1.05%.


⁽¹⁹⁾		The Portfolios’ Adviser, Morgan Stanley Investment Management Inc., has agreed to reduce its advisory fee and/or reimburse the Portfolio so that total annual portfolio operating expenses, excluding certain investment related expenses, taxes, interest and other extraordinary expenses (including litigation), will not exceed 1.40% for Morgan Stanley UIF Global Real Estate Portfolio, Class II Shares and 1.15% for Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares. In addition, the Portfolio’s Distributor, Morgan Stanley Distribution Inc., has agreed to waive 0.10% for Morgan Stanley UIF Global Real Estate Portfolio, Class II Shares and 0.25% for Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares of the 0.35% 12b-1 fee that it may receive. These fee waivers and/or expense reimbursements will continue for at least one year or until such time as the Board of Directors of The Universal Institutional Funds, Inc. acts to discontinue all or a portion of such waivers and/or reimbursements when it deems that such action is appropriate.


⁽²⁰⁾		Other expenses, which includes dividend and interest expenses relating to short sales, are based on estimated expenses for the current fiscal year; actual expenses may vary. In addition, Neuberger Berman Management LLC (“NBM”) has contractually undertaken to waive and/or reimburse certain fees and expenses of Class S so that the total annual operating expenses (excluding interest, taxes, brokerage commissions, acquired fund fees and expenses, dividend and interest expenses related to short sales, and extraordinary expenses, if any) are limited to 2.40% of average net assets. This undertaking lasts until 12/31/2017 and may not be terminated during its term without the consent of the Board of Trustees. The Fund has agreed that Class S will repay NBM for fees and expenses waived or reimbursed for the class provided that repayment does not cause annual operating expenses to exceed 2.40% of the average net assets. Any such repayment must be made within three years after the year in which NBM incurred the expense. After fee waivers and/or reimbursements, net expenses would be 2.73%.


⁽²¹⁾		Neuberger Berman Management LLC (“NBM”) has undertaken through Dec. 31, 2017, to waive fees and/or reimburse certain operating expenses, including the compensation of NBM and excluding taxes, interest, extraordinary expenses, brokerage commissions and transaction costs, that exceed, in the aggregate, 1.50% of the average daily net asset value. The expense limitation arrangements for the Portfolio are contractual and any excess expenses can be repaid to NBM within three years of the year incurred, provided such recoupment would not cause a Portfolio to exceed its respective limitation. After fee waivers and/or reimbursements, net expenses would be 1.51%.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS 11


⁽²²⁾		The Manager has contractually agreed to waive fees and/or reimburse Fund expenses in an amount equal to the indirect management fees incurred through the Fund’s investment in funds managed by the Manager or its affiliates. This fee waiver and/or expense reimbursement may not be amended or withdrawn until one year from the date of the Fund’s prospectus, unless approved by the Board. After fee waivers and/or reimbursements, net expenses would be 0.97%.


⁽²³⁾		The Manager has contractually agreed to waive fees and/or reimburse the Fund for certain expenses in order to limit total annual fund operating expenses after fee waiver and/or expense reimbursement (excluding any applicable dividend expense, taxes, interest and fees from borrowing, any subsidiary expenses, acquired fund fees and expenses, brokerage commissions, extraordinary expenses and certain other Fund expenses) to an annual rate of 1.05% as calculated on the daily net assets of the Fund. The Manager has also contractually agreed to waive fees and/or reimburse Fund expenses in an amount equal to the indirect management fees incurred through the Fund’s investments in funds managed by the Manager or its affiliates. These fee waivers and/or expense reimbursements may not be amended or withdrawn for one year from the date of the Fund’s prospectus, unless approved by the Board.


⁽²⁴⁾		PIMCO has contractually agreed, through May 1, 2015, to reduce its advisory fee to the extent that the Underlying PIMCO Fund Expenses attributable to advisory and supervisory and administrative fees exceed 0.64% of the total assets invested in Underlying PIMCO Funds. PIMCO may recoup these waivers in future periods, not exceeding three years, provided total expenses, including such recoupment, do not exceed the annual expense limit. The fee reduction is implemented based on a calculation of Underlying PIMCO Fund Expenses attributable to advisory and supervisory and administrative fees that is different from the calculation of Acquired Fund Fees and Expenses listed in the table above. After fee waivers, net expenses would be 1.32%.


⁽²⁵⁾		PIMCO has contractually agreed, through May 1, 2015, to waive, first, the advisory fee and, second, the supervisory and administrative fee it receives from the Portfolio in an amount equal to the expenses attributable to the Management Fees of Underlying PIMCO Funds indirectly incurred by the Portfolio in connection with its investments in Underlying PIMCO Funds, to the extent the Portfolio’s Management Fees are greater than or equal to the Management Fees of the Underlying PIMCO Funds. This waiver renews annually for a full year unless terminated by PIMCO upon at least 30 days’ notice prior to the end of the contract term. Certain fees and expenses are not waived or reimbursed, such as direct or indirect (through an acquired fund) interest expense or dividends paid on borrowed securities, and the expense of investing in acquired funds other than certain PIMCO funds. The amount of such expenses will vary based on the Portfolio’s use of those investments as an investment strategy best suited to seek the objective of the Portfolio. In addition, PIMCO has contractually agreed to waive the Portfolio’s advisory fee and the supervisory and administrative fee in an amount equal to the management fee and administrative services fee, respectively, paid by the PIMCO Cayman Commodity Portfolio II Ltd. (the “GMAMA Subsidiary”) to PIMCO. The GMAMA Subsidiary pays PIMCO a management fee and an administrative services fee at the annual rates of 0.49% and 0.20%, respectively, of its net assets. This waiver may not be terminated by PIMCO and will remain in effect for as long as PIMCO’s contract with the GMAMA Subsidiary is in place. After fee waivers, net expenses would be 1.27%.


⁽²⁶⁾		The Adviser has agreed to waive fees and/or pay Fund expenses to the extent necessary to prevent the operating expenses of the Fund (excluding acquired fund fees and expenses, interest expense, trading expenses, dividends and interest payments on securities sold short, taxes and extraordinary expenses) from exceeding 1.45% of the Fund’s average daily net assets per year until May 1, 2015. During such time, the expense limitation is expected to continue until the Board of Trustees acts to discontinue all or a portion of such expense limitation.


⁽²⁷⁾		The Adviser has committed through April 30, 2015 to waive fees and/or reimburse expenses to the extent necessary to cap the Fund’s total annual fund operating expenses after fee waiver at 1.00% for Wells Fargo Advantage VT Index Asset Allocation Fund – Class 2 and 0.94% for Wells Fargo Advantage VT International Equity Fund – Class 2. Brokerage commissions, stamp duty fees, interest, taxes, acquired fund fees and expenses and extraordinary expenses are excluded from the cap. After this time, the cap may be increased or the commitment to maintain the cap may be terminated only with the approval of the Board of Trustees. After fee waivers and/or reimbursements, net expenses would be 0.95% for Wells Fargo Advantage VT International Equity Fund – Class 2.

12 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS

Examples

These examples are intended to help you compare the cost of investing in the contract with the cost of investing in other variable annuity contracts. These costs include your transaction expenses, contract administrative charges*, variable account annual expenses and fund fees and expenses.

These examples assume that you invest $10,000 in the contract for the time periods indicated. These examples also assume that your investment has a 5% return each year.

Maximum Expenses. These examples assume the most expensive combination of contract features and benefits and the maximum fees and expense of any of the funds before fee waivers and/or expense reimbursements. They assume that you select both the optional MAV and EEB. Although your actual costs may be lower, based on these assumptions your costs would be:


									If you do not surrender your contract
	If you surrender your contract								or if you select an annuity payout plan
	at the end of the applicable time period:								at the end of the applicable time period:
Nonqualified Annuity	1 year		3 years		5 years		10 years		1 year		3 years		5 years		10 years


RAVA with a ten-year surrender charge schedule	$	1,466	$	2,770	$	3,935	$	6,432	$	666		$1,970	$	3,235	$	6,232

RAVA with a seven-year surrender charge schedule		1,366		2,670		3,735		6,232		666		1,970		3,235		6,232

Qualified Annuity

RAVA with a ten-year surrender charge schedule	$	1,446	$	2,713	$	3,847	$	6,291	$	646		$1,913	$	3,147	$	6,091

RAVA with a seven-year surrender charge schedule		1,346		2,613		3,647		6,091		646		1,913		3,147		6,091

Minimum Expenses. These examples assume the least expensive combination of contract features and benefits and the minimum fees and expenses of any of the funds before fee waivers and/or expense reimbursements. They assume that you do not select any optional benefits. Although your actual costs may be higher, based on these assumptions your costs would be:


									If you do not surrender your contract
	If you surrender your contract								or if you select an annuity payout plan
	at the end of the applicable time period:								at the end of the applicable time period:
Nonqualified Annuity	1 year		3 years		5 years		10 years		1 year		3 years		5 years		10 years


RAVA with a ten-year surrender charge schedule	$	972	$	1,332	$	1,611	$	2,156	$	172	$	532	$	911	$	1,956

RAVA with a seven-year surrender charge schedule		872		1,232		1,411		1,956		172		532		911		1,956

Qualified Annuity

RAVA with a ten-year surrender charge schedule	$	952	$	1,269	$	1,504	$	1,931	$	152	$	469	$	804	$	1,731

RAVA with a seven-year surrender charge schedule		852		1,169		1,304		1,731		152		469		804		1,731


*		In these examples, the contract administrative charge is $30.

THE EXAMPLES ARE ILLUSTRATIVE ONLY. YOU SHOULD NOT CONSIDER THESE EXAMPLES AS A REPRESENTATION OF PAST OR FUTURE EXPENSES. ACTUAL EXPENSES WILL BE HIGHER OR LOWER THAN THOSE SHOWN DEPENDING UPON WHICH OPTIONAL BENEFIT YOU ELECT OTHER THAN INDICATED IN THE EXAMPLES OR IF YOU ALLOCATE CONTRACT VALUE TO ANY OTHER AVAILABLE SUBACCOUNTS.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS 13

Condensed Financial Information

You can find unaudited condensed financial information of the subaccounts in the Appendix.

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 and have no activity as of the financial statement date.

The Variable Account and the Funds

The variable account: The variable account was established under Minnesota law on Aug. 23, 1995, and the subaccounts are registered together as a single unit investment trust under the Investment Company Act of 1940 (the 1940 Act). This registration does not involve any supervision of our management or investment practices and policies by the SEC. All obligations arising under the contracts are general obligations of RiverSource Life.

The variable account meets the definition of a separate account under federal securities laws. We credit or charge income, capital gains and capital losses of each subaccount only to that subaccount. State insurance law prohibits us from charging a subaccount with liabilities of any other subaccount or of our general business. The variable account includes other subaccounts that are available under contracts that are not described in this prospectus.

The IRS has issued guidance on investor control but may issue additional guidance in the future. We reserve the right to modify the contract or any investments made under the terms of the contract so that the investor control rules do not apply to treat the contract owner as the owner of the subaccount assets rather than the owner of an annuity contract. If the contract is not treated as an annuity contract for tax purposes, the owner may be subject to current taxation on any current or accumulated income credited to the contract.

We intend to comply with all federal tax laws so that the contract qualifies as an annuity for federal tax purposes. We reserve the right to modify the contract as necessary in order to qualify the contract as an annuity for federal tax purposes.

The funds: The contract currently offers subaccounts investing in shares of the funds listed in the table below.


•	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 contract 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 funds’ 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 fund providers 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.

•	Asset allocation programs may impact fund performance: Asset allocation programs in general may negatively impact the performance of an underlying fund. Even if you do not participate in an asset allocation program, a fund in which your subaccount invests may be impacted if it is included in an asset allocation program. Rebalancing or reallocation under the terms of the asset allocation program may cause a fund to lose money if it must sell large amounts of securities to meet a redemption request. These losses can be greater if the fund holds securities that are not as liquid as others; for example, various types of bonds, shares of smaller companies and securities of foreign issuers. A fund may also experience higher expenses because it must sell or buy securities more frequently than it otherwise might in the absence of asset allocation

14 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS

program rebalancing or reallocations. Because asset allocation programs include periodic rebalancing and may also include reallocation, these effects may occur under the asset allocation program we offer (see “Making the Most of Your Contract – Portfolio Navigator Program”) or under asset allocation programs used in conjunction with the contracts and plans of other eligible purchasers of the funds.

•

Funds available under the contract: We seek to provide a broad array of underlying funds taking into account the fees and charges imposed by each fund and the contract charges we impose. We select the underlying funds in which the subaccounts initially invest and when there is substitution (see “Substitution of Investments”). We also make all decisions regarding which funds to retain in a contract, which funds to add to a contract and which funds will no longer be offered in a contract. 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 and non-cash compensation 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 and distribution expenses incurred with respect to the fund.


•	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 contract owners and submit net purchase and redemption requests to the funds on a daily basis. In addition, we track individual contract 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.

Besides incurring these administrative expenses on behalf of the funds, we also incur distributions expenses in selling our contracts. By extension, the distribution expenses we incur benefit the funds we make available due to contract owner elections to allocate purchase payments to the funds through the subaccounts. In addition, the funds generally incur lower distribution expenses when offered through our variable account in contrast to being sold on a retail basis.

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 fund. 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.

We or our affiliates may receive payments from the 12b-1 fees, transfer fees or investment management fees of the funds. These fees are deducted from the assets of the funds. The amount, type, and manner in which the revenue from these sources is computed vary by fund. This revenue and the amount by which it can vary may create conflicts of interest.

Conflicts of Interest These Payments May Create

When we determined the charges to impose under the contracts, we took into account anticipated payments from the funds. If we had not taken into account these anticipated payments, the charges under the contract 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 contract 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.

We offer funds managed by our affiliates Columbia Management Investment Advisers, LLC (Columbia Management) and Columbia Wanger Asset Management, LLC (Columbia Wanger). 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, our affiliated funds comprise 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 0.60% of the average daily net assets invested in the funds through this and other contracts we and our affiliates issue. We or our affiliates may also receive revenue which ranges up to 0.04% of aggregate, net or anticipated sales of underlying funds through this and other contracts we and our affiliate issue. Please

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS 15

see the SAI for a table that ranks the funds according to total dollar amounts they and their affiliates paid us or our affiliates in the prior calendar year.


•	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 these revenues including but not limited to expense payments and non-cash compensation for various purposes:


	•	Compensating, training and educating financial advisors who sell the contracts.

	•	Granting access to our employees whose job it is to promote sales of the contracts by authorized selling firms and their financial advisors, and granting access to financial advisors of our affiliated selling firms.

	•	Activities or services we or our affiliates provide that assist in the promotion and distribution of the contracts including promoting the funds available under the contracts to prospective and existing contract owners, authorized selling firms and financial advisors.

	•	Providing sub-transfer agency and shareholder servicing to contract owners.

	•	Promoting, including and/or retaining the fund’s investment portfolios as underlying investment options in the contracts.

	•	Advertising, printing and mailing sales literature, and printing and distributing prospectuses and reports.

	•	Furnishing personal services to contract owners, including education of contract owners, 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).

	•	Subaccounting, transaction processing, recordkeeping and administration.


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


	•	Assets of the fund’s adviser and transfer agent or an affiliate. 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.

	•	Compensation paid out of 12b-1 fees that are deducted from fund assets and disclosed in the “12b-1 fees” column of the “Annual Operating Expenses of the Funds” table.


•	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:


	•	Assets of the fund’s adviser, subadviser, transfer agent or an affiliate of these and assets of the fund’s distributor or an affiliate. The revenue resulting from these sources usually is based on a percentage of average daily net assets of the fund but there may be other types of payment arrangements.

	•	Compensation paid out of 12b-1 fees that are deducted from fund assets and disclosed in the “12b-1 fees” column of the “Annual Operating Expenses of the Funds” table.

16 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS

Unless the PN program is in effect, you may allocate purchase payments and transfers to any or all of the subaccounts of the variable account that invest in shares of the following funds:


Investing In	Investment Objective and Policies	Investment Adviser
AllianceBernstein VPS Dynamic Asset Allocation Portfolio (Class B)	Seeks to maximize total return consistent with AllianceBernstein’s determination of reasonable risk.	AllianceBernstein L.P.

AllianceBernstein VPS Global Thematic Growth Portfolio (Class B)	Seeks long-term growth of capital.	AllianceBernstein L.P.

AllianceBernstein VPS Growth and Income Portfolio (Class B)	Seeks long-term growth of capital.	AllianceBernstein L.P.

AllianceBernstein VPS International Value Portfolio (Class B)	Seeks long-term growth of capital.	AllianceBernstein L.P.

ALPS/Alerian Energy Infrastructure Portfolio: Class III	Seeks investment results that correspond (before fees and expenses) generally to the price and yield performance of its underlying index.	ALPS Advisors, Inc.

American Century VP International, Class I	Seeks capital growth.	American Century Investment Management, Inc.

American Century VP Mid Cap Value, Class II	Seeks long-term capital growth. Income is a secondary objective.	American Century Investment Management, Inc.

American Century VP Ultra^®, Class II	Seeks capital growth.	American Century Investment Management, Inc.

American Century VP Value, Class I	Seeks long-term capital growth. Income is a secondary objective.	American Century Investment Management, Inc.

BlackRock Global Allocation V.I. Fund (Class III)	Seeks high total investment return.	BlackRock Advisors, LLC, adviser; BlackRock Investment Management, LLC and BlackRock International Limited, sub-advisers.

Calvert VP SRI Balanced Portfolio	Seeks to achieve a competitive total return through an actively managed portfolio of stocks, bonds and money market instruments which offer income and capital growth opportunity and which satisfy the investment criteria, including financial, sustainability and social responsibility factors.	Calvert Investment Management, Inc.

Columbia Variable Portfolio – Balanced Fund (Class 3)	Seeks maximum total investment return through a combination of capital growth and current income.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Cash Management Fund (Class 3)	Seeks maximum current income consistent with liquidity and stability of principal.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Commodity Strategy Fund (Class 2)	Seeks to provide shareholders with total return.	Columbia Management Investment Advisers, LLC, adviser; Threadneedle International Limited, an indirect wholly-owned subsidiary of Ameriprise Financial, subadviser.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS 17


Investing In	Investment Objective and Policies	Investment Adviser
Columbia Variable Portfolio – Contrarian Core Fund (Class 2)	Seeks total return, consisting of long-term capital appreciation and current income.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Core Bond Fund (Class 2)	Seeks total return, consisting of current income and capital appreciation.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Diversified Bond Fund (Class 3)	Seeks high level of current income while attempting to conserve the value of the investment for the longest period of time.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Dividend Opportunity Fund (Class 3)	Seeks high level of current income and, as a secondary goal, steady growth of capital.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2)	Seeks to provide shareholders with high total return through current income and, secondarily, through capital appreciation.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Emerging Markets Fund (Class 3)	Seeks long-term capital growth.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Global Bond Fund (Class 3)	Non-diversified fund that seeks high total return through income and growth of capital.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – High Yield Bond Fund (Class 3)	Seeks high current income as its primary objective and, as its secondary objective, capital growth.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Income Opportunities Fund (Class 3)	Seeks high total return through current income and capital appreciation.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – International Opportunity Fund (Class 3)	Seeks capital appreciation.	Columbia Management Investment Advisers, LLC, adviser; Threadneedle International Limited, an indirect wholly-owned subsidiary of Ameriprise Financial, subadviser.

Columbia Variable Portfolio – Large Cap Growth Fund (Class 3)	Seeks long-term capital growth.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Large Core Quantitative Fund (Class 3)	Seeks capital appreciation.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Limited Duration Credit Fund (Class 2) (Available on or about 6/30/2014)	Seeks level of current income consistent with preservation of capital.	Columbia Management Investment Advisers, LLC

18 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS


Investing In	Investment Objective and Policies	Investment Adviser
Columbia Variable Portfolio – Marsico Growth Fund (Class 1)	Seeks long-term growth of capital.	Columbia Management Investment Advisers, LLC, adviser; Marsico Capital Management, LLC, subadviser.

Columbia Variable Portfolio – Marsico International Opportunities Fund (Class 2)	Seeks long-term growth of capital.	Columbia Management Investment Advisers, LLC, adviser; Marsico Capital Management, LLC, subadviser.

Columbia Variable Portfolio – Mid Cap Growth Opportunity Fund (Class 3)	Seeks growth of capital.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Mid Cap Value Opportunity Fund (Class 3)	Seeks long-term growth of capital.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Multi-Strategy Alternatives Fund (Class 2) (previously Variable Portfolio – Eaton Vance Global Macro Advantage Fund (Class 2))	Seeks total return, consisting of current income and capital appreciation.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – S&P 500 Index Fund (Class 3)	Seeks long-term capital appreciation.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Select Large-Cap Value Fund (Class 3)	Seeks long-term growth of capital.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Select Smaller-Cap Value Fund (Class 3)	Seeks long-term capital growth.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 3)	Seek current income as its primary objective, and as its secondary objective, preservation of capital.	Columbia Management Investment Advisers, LLC

Credit Suisse Trust – Commodity Return Strategy Portfolio	The portfolio is designed to achieve positive total return relative to the performance of the Dow Jones-UBS Commodity Index Total Return (“DJ-UBS”).	Credit Suisse Asset Management, LLC

DWS Alternative Asset Allocation VIP, Class B	Seeks capital appreciation.	Deutsche Investment Management Americas Inc., adviser; QS Investors, LLC and RREEF America L.L.C., sub-advisers.

Eaton Vance VT Floating-Rate Income Fund	Seeks high level of current income.	Eaton Vance Management

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS 19


Investing In	Investment Objective and Policies	Investment Adviser
Fidelity^® VIP Contrafund^® Portfolio Service Class 2	Seeks long-term capital appreciation. Normally invests primarily in common stocks. Invests in securities of companies whose value FMR believes is not fully recognized by the public. Invests in either “growth” stocks or “value” stocks or both. The fund invests in domestic and foreign issuers.	Fidelity Management & Research Company (FMR) is the fund’s manager. FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund.

Fidelity^® VIP Growth & Income Portfolio Service Class	Seeks high total return through a combination of current income and capital appreciation. Normally invests a majority of assets in common stocks with a focus on those that pay current dividends and show potential for capital appreciation. Invests in domestic and foreign issuers. The Fund invests in either “growth” stocks or “value” stocks or both.	Fidelity Management & Research Company (FMR) is the fund’s manager. FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund.

Fidelity^® VIP Mid Cap Portfolio Service Class	Seeks long-term growth of capital. Normally invests primarily in common stocks. Normally invests at least 80% of assets in securities of companies with medium market capitalizations. May invest in companies with smaller or larger market capitalizations. Invests in domestic and foreign issuers. The Fund invests in either “growth” or “value” common stocks or both.	Fidelity Management & Research Company (FMR) is the fund’s manager. FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund.

Fidelity^® VIP Overseas Portfolio Service Class	Seeks long-term growth of capital. Normally invests primarily in common stocks allocating investments across different countries and regions. Normally invests at least 80% of assets in non-U.S. securities.	Fidelity Management & Research Company (FMR) is the fund’s manager. FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund.

Fidelity^® VIP Strategic Income Portfolio Service Class 2	Seeks a high level of current income and may also seek capital appreciation.	Fidelity Management & Research Company (FMR) is the fund’s manager. Fidelity Investments Money Management, Inc. (FIMM), FMR Co., Inc. (FMRC), FIL Investment Advisors (UK) Limited (FIA(UK)) and other investment advisers serve as sub-advisers for the fund.

FTVIPT Franklin Global Real Estate VIP Fund – Class 2 (previously FTVIPT Franklin – Global Real Estate Securities Fund – Class 2)	Seeks high total return. Under normal market conditions, the fund invests at least 80% of its net assets in investments of companies located anywhere in the world that operate in the real estate sector.	Franklin Templeton Institutional, LLC

FTVIPT Franklin Income VIP Fund – Class 2 (previously FTVIPT Franklin – Income Securities Fund – Class 2)	Seeks to maximize income while maintaining prospects for capital appreciation. Under normal market conditions, the fund invests in both equity and debt securities.	Franklin Advisers, Inc. adviser; Templeton Investment Counsel, LLC, subadviser.

FTVIPT Franklin Small Cap Value VIP Fund – Class 2 (previously FTVIPT Franklin – Small Cap Value Securities Fund – Class 2)	Seeks long-term total return. Under normal market conditions, the fund invests at least 80% of its net assets in investments of small capitalization companies.	Franklin Advisory Services, LLC

20 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS


Investing In	Investment Objective and Policies	Investment Adviser
FTVIPT Templeton Global Bond VIP Fund – Class 2 (previously FTVIPT Templeton Global Bond Securities Fund – Class 2)	Seeks high current income, consistent with preservation of capital, with capital appreciation as a secondary consideration. Under normal market conditions, the fund invests at least 80% of its net assets in bonds, which include debt securities of any maturity, such as bonds, notes, bills and debentures.	Franklin Advisers, Inc.

Goldman Sachs VIT Mid Cap Value Fund – Institutional Shares	Seeks long-term capital appreciation.	Goldman Sachs Asset Management, L.P.

Goldman Sachs VIT Multi-Strategy Alternatives Portfolio – Advisor Shares (Available on or about 6/30/2014)	Seeks long-term growth of capital.	Goldman Sachs Asset Management, L.P.

Goldman Sachs VIT Small Cap Equity Insights Fund – Institutional Shares (previously Goldman Sachs VIT Structured Small Cap Equity Fund – Institutional Shares)	Seeks long-term growth of capital.	Goldman Sachs Asset Management, L.P.

Goldman Sachs VIT U.S. Equity Insights Fund – Institutional Shares (previously Goldman Sachs VIT Structured U.S. Equity Fund – Institutional Shares)	Seeks long-term growth of capital.	Goldman Sachs Asset Management, L.P.

Invesco V.I. American Franchise Fund, Series I Shares	Seeks capital growth.	Invesco Advisers, Inc.

Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares	Non-diversified fund that seeks total return with a low to moderate correlation to traditional financial market indices.	Invesco Advisers, Inc.

Invesco V.I. Comstock Fund, Series II Shares	Seeks capital growth and income through investments in equity securities, including common stocks, preferred stocks and securities convertible into common and preferred stocks.	Invesco Advisers, Inc.

Invesco V.I. Global Health Care Fund, Series II Shares	Seeks long-term growth of capital.	Invesco Advisers, Inc.

Invesco V.I. International Growth Fund, Series II Shares	Seeks long-term growth of capital.	Invesco Advisers, Inc.

Invesco V.I. Mid Cap Growth Fund, Series I Shares	Seeks capital growth.	Invesco Advisers, Inc.

Ivy Funds VIP Asset Strategy	Seeks total return over the long term.	Waddell & Reed Investment Management Company

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS 21


Investing In	Investment Objective and Policies	Investment Adviser
Janus Aspen Series Enterprise Portfolio: Service Shares	Seeks long-term growth of capital.	Janus Capital Management LLC

Janus Aspen Series Flexible Bond Portfolio: Service Shares	Seeks to obtain maximum total return, consistent with preservation of capital.	Janus Capital Management LLC

Janus Aspen Series Global Allocation Portfolio – Moderate: Service Shares	Seeks total return through growth of capital and income.	Janus Capital Management LLC

Janus Aspen Series Global Technology Portfolio: Service Shares	Seeks long-term growth of capital.	Janus Capital Management LLC

Janus Aspen Series Janus Portfolio: Service Shares	Seeks long-term growth of capital.	Janus Capital Management LLC

Janus Aspen Series Overseas Portfolio: Service Shares	Seeks long-term growth of capital.	Janus Capital Management LLC

Lazard Retirement Global Dynamic Multi Asset Portfolio – Service Shares (previously Lazard Retirement Multi-Asset Targeted Volatility Portfolio – Service Shares)	Seeks long-term capital appreciation.	Lazard Asset Management, LLC

MFS^® Investors Growth Stock Series – Service Class	Seeks capital appreciation.	MFS^® Investment Management

MFS^® New Discovery Series – Service Class	Seeks capital appreciation.	MFS^® Investment Management

MFS^® Utilities Series – Service Class	Seeks total return.	MFS^® Investment Management

Morgan Stanley UIF Global Real Estate Portfolio, Class II Shares	Seeks to provide current income and capital appreciation.	Morgan Stanley Investment Management Inc., adviser; Morgan Stanley Investment Management Limited and Morgan Stanley Investment Management Company, subadvisers.

Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares	Seeks long-term capital growth by investing primarily in common stocks and other equity securities.	Morgan Stanley Investment Management Inc.

Neuberger Berman Advisers Management Trust Absolute Return Multi-Manager Portfolio (Class S) (Available on or about 6/30/2014)	Seeks capital appreciation with an emphasis on absolute (i.e., positive) returns.	Neuberger Berman Management LLC is the Fund’s investment manager. NB Alternative Investment Management LLC is the Fund’s investment adviser.

22 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS


Investing In	Investment Objective and Policies	Investment Adviser
Neuberger Berman Advisers Management Trust International Equity Portfolio (Class S)	Seeks long-term growth of capital by investing at least 80% of its nets assets, plus the amount of any borrowings for investment purposes, in equity securities.	Neuberger Berman Management LLC

Oppenheimer Global Fund/VA, Service Shares	Seeks long-term capital appreciation by investing a substantial portion of its assets in securities of foreign issuers, “growth-type” companies, cyclical industries and special situations that are considered to have appreciation possibilities.	OFI Global Asset Management, Inc., adviser; OppenheimerFunds, Inc., sub-adviser.

Oppenheimer Global Strategic Income Fund/VA, Service Shares	Seeks a high level of current income principally derived from interest on debt securities.	OFI Global Asset Management, Inc., adviser; OppenheimerFunds, Inc., sub-adviser.

Oppenheimer Main Street Small Cap Fund^®/VA, Service Shares	Seeks capital appreciation.	OFI Global Asset Management, Inc., adviser; OppenheimerFunds, Inc., sub-adviser.

PIMCO VIT All Asset Portfolio, Advisor Class	Seeks maximum real return consistent with preservation of real capital and prudent investment management.	Pacific Investment Management Company LLC (PIMCO)

PIMCO VIT Global Multi-Asset Managed Allocation Portfolio, Advisor Class (previously PIMCO VIT Global Multi-Asset Portfolio, Advisor Class)	Seeks total return which exceeds that of a blend of 60% MSCI World Index/40% Barclays U.S. Aggregate Index.	Pacific Investment Management Company LLC (PIMCO)

PIMCO VIT Total Return Portfolio, Advisor Class	Seeks maximum total return, consistent with preservation of capital and prudent investment management.	Pacific Investment Management Company LLC (PIMCO)

Putnam VT Multi-Cap Growth Fund – Class IB Shares	Seeks long-term capital appreciation.	Putnam Investment Management, LLC, adviser; Putnam Investments Limited, sub-manager

Royce Capital Fund – Micro-Cap Portfolio, Investment Class	Seeks long-term growth of capital.	Royce & Associates, LLC

Third Avenue Value Portfolio	Seeks long-term capital appreciation by acquiring common stocks of well-financed companies (meaning companies with high quality assets and conservative levels of liabilities) at a discount to what the Adviser believes is their intrinsic value.	Third Avenue Management LLC

Van Eck VIP Global Gold Fund (Class S Shares)	Seeks long-term capital appreciation by investing in common stocks of gold-mining companies. The Fund may take current income into consideration when choosing investments.	Van Eck Associates Corporation

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS 23


Investing In	Investment Objective and Policies	Investment Adviser
Variable Portfolio – Aggressive Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with an aggressive level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – Aggressive Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with an aggressive level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – AQR Managed Futures Strategy Fund (Class 2)	Seeks positive absolute returns.	Columbia Management Investment Advisers, LLC, adviser; AQR Capital Management, LLC, subadviser.

Variable Portfolio – BlackRock Global Inflation-Protected Securities Fund (Class 3)	Non-diversified fund that seeks total return that exceeds the rate of inflation over the long term.	Columbia Management Investment Advisers, LLC, adviser; BlackRock Financial Management, Inc., subadviser.

Variable Portfolio – Conservative Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with a conservative level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

24 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS


Investing In	Investment Objective and Policies	Investment Adviser
Variable Portfolio – Conservative Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with a conservative level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – Goldman Sachs Commodity Strategy Fund (Class 2)	Seeks total return, consisting of current income and capital appreciation.	Columbia Management Investment Advisers, LLC, adviser; Goldman Sachs Asset Management, L.P., subadviser.

Variable Portfolio – Moderate Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with a moderate level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – Moderate Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with a moderate level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS 25


Investing In	Investment Objective and Policies	Investment Adviser
Variable Portfolio – Moderately Aggressive Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with a moderately aggressive level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – Moderately Aggressive Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with a moderately aggressive level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – Moderately Conservative Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with a moderately conservative level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – Moderately Conservative Portfolio (Class 4)	Seeks high level of total return that is consistent with a moderately conservative level of risk. This is a “fund of funds” and seeks to achieve its objective by investing in a combination of underlying funds. The fund invests primarily in underlying funds that invest in fixed income securities and also invests a moderate amount in underlying funds that invest in equity securities.	Columbia Management Investment Advisers, LLC

26 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS


Investing In	Investment Objective and Policies	Investment Adviser
Variable Portfolio – Partners Small Cap Value Fund (Class 3)	Seeks long-term capital appreciation.	Columbia Management Investment Advisers, LLC, adviser; Barrow, Hanley, Mewhinney & Strauss, LLC, Denver Investment Advisors LLC, Donald Smith & Co., Inc., River Road Asset Management, LLC and Turner Investments L.P., subadvisers.

Variable Portfolio – Pyrford International Equity Fund (Class 2)	Seeks long-term capital appreciation.	Columbia Management Investment Advisers, LLC, adviser; Pyrford International Ltd., subadviser.

Variable Portfolio – Sit Dividend Growth Fund (Class 3)	Seeks long-term capital growth.	Columbia Management Investment Advisers, LLC, adviser; Sit Investment Associates, Inc., subadviser.

Variable Portfolio – Victory Established Value Fund (Class 3)	Seeks long-term growth of capital.	Columbia Management Investment Advisers, LLC, adviser; Victory Capital Management, Inc., subadviser.

Variable Portfolio – Wells Fargo Short Duration Government Fund (Class 2) (Available on or about 6/30/2014)	Seeks to provide current income consistent with capital preservation.	Columbia Management Investment Advisers, LLC, adviser; Wells Capital Management Incorporated, subadviser.

Wanger International	Seeks long-term capital appreciation.	Columbia Wanger Asset Management, LLC

Wanger USA	Seeks long-term capital appreciation.	Columbia Wanger Asset Management, LLC

Wells Fargo Advantage VT Index Asset Allocation Fund – Class 2	Seeks long-term total return, consisting of capital appreciation and current income.	Wells Fargo Funds Management, LLC, adviser; Wells Capital Management Inc., sub-adviser.

Wells Fargo Advantage VT International Equity Fund – Class 2	Seeks long-term capital appreciation.	Wells Fargo Funds Management, LLC, adviser; Wells Capital Management Inc., sub-adviser.

Wells Fargo Advantage VT Small Cap Growth Fund – Class 2	Seeks long-term capital appreciation.	Wells Fargo Funds Management, LLC, adviser; Wells Capital Management Inc., sub-adviser.

Western Asset Variable Global High Yield Bond Portfolio – Class II	Seeks to maximize total return.	Legg Mason Partners Fund Adviser, LLC; Western Asset Management Company, Western Asset Management Company Limited & Western Asset Management Pte. Ltd., sub-advisers.

The Fixed Account

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS 27

our creditors. The financial statements contained in the SAI include a further discussion of the risks inherent within the investments of the general account. We credit and compound interest daily based on a 365-day year so as to produce the annual effective rate which we declare. We do not credit interest on leap days (Feb. 29). The interest rate we apply to each purchase payment or transfer to the fixed account is guaranteed for one year. Thereafter, we will change the rates from time to time at our discretion. These rates will be based on various factors including, but not limited to, the interest rate environment, returns earned on investments backing these annuities, the rates currently in effect for new and existing RiverSource Life annuities, product design, competition, and the RiverSource Life’s revenues and expenses.

Interests in the fixed account are not required to be registered with the SEC. The SEC staff does not review the disclosures in this prospectus on the fixed account. Disclosures regarding the fixed account, however, may be subject to certain generally applicable provisions of the federal securities laws relating to the accuracy and completeness of statements made in prospectuses. (See “Making the Most of Your Contract – Transfer policies” for restrictions on transfers involving the fixed account.)

Buying Your Contract

New contracts are not currently being offered.

As the owner, you have all rights and may receive all benefits under the contract. You can own a nonqualified annuity in joint tenancy with rights of survivorship only in spousal situations. You cannot own a qualified annuity in joint tenancy. You can become an owner or an annuitant if you are 90 or younger.

The contract provides for allocation of purchase payments and purchase payment credits to the subaccounts of the variable account and/or to the fixed account in tenth of a percent increments. We reserve the right to not accept purchase payments allocated to the fixed account for twelve months following: (1) a partial surrender from the fixed account; or (2) a lump sum from the fixed account to the subaccounts.

If we receive an additional purchase payment at our corporate office before the close of business, we will credit any portion of that payment allocated to the subaccounts using the accumulation unit value we calculate on the valuation date we received the payment. If we receive an additional purchase payment at our corporate office at or after the close of business, we will credit any portion of that payment allocated to the subaccounts using the accumulation unit value we calculate on the next valuation date after we received the payment.

THE SETTLEMENT DATE

Annuity payouts are scheduled to begin on the settlement date. This means that the contract will be annuitized (converted to a stream of monthly payments), and the first payment will be sent on the settlement date. If your contract is annuitized, the contract goes into payout mode and only annuity payout provisions continue. Unless Annuity Payout Plan E is elected, you will no longer have access to your contract value. In addition, the death benefit and any optional benefits you have elected will end. When we processed your application, we established the settlement date as the maximum age (or contract anniversary, if applicable). We have established a new maximum age (or contract anniversary) as described below. You also can change the settlement date, provided you send us written instructions at least 30 days before annuity payouts begin.

Generally, the settlement date must be no later than the annuitant’s 95th birthday or the tenth contract anniversary. If the annuitant was age 95 or older and past the tenth contract anniversary when the new maximum was established, the new settlement date was set to a birthday later than age 95. You can also choose to delay the annuitization of your contract beyond age 95 indefinitely, to the extent allowed by applicable tax laws.

Six months prior to your settlement date, we will contact you with your options, including the option to postpone your annuitization start date to a future date. If you do not make an election, annuity payouts using the contract’s default option of Annuity Payout Plan B — life annuity with 10 years certain will begin on the settlement date, and your monthly annuity payments will continue for as long as the annuitant lives. If the annuitant does not survive 10 years, payments will continue until 10 years of payments have been made.

If you own a qualified annuity (for example, an IRA) and tax laws require that you take distributions from your annuity prior to your new settlement date, your contract will not be automatically annuitized. If you satisfy your RMDs for a qualified annuity in the form of partial surrenders from this contract, you are electing to defer annuitizing your contract. Contract owners of IRAs and TSAs may also be able to satisfy RMDs by electing other IRAs or TSAs, and in that case, will delay the start of annuity payouts for these contracts.

BENEFICIARY

28 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS

until we receive the beneficiary’s completed claim. If there is no named beneficiary, then the default provisions of your contract apply. (See “Benefits in Case of Death” for more about beneficiaries.)

PURCHASE PAYMENTS

Minimum allowable purchase payments⁽¹⁾

If paying by installments under a scheduled payment plan:

$50 per month

If paying by any other method:

$50


⁽¹⁾		If you do not make any purchase payments for 24 months, and your previous payments total $600 or less, we have the right to give you 30 days’ written notice and pay you the total value of your contract in a lump sum. This right does not apply to contracts in New Jersey.

Maximum allowable annual purchase payments⁽²⁾

$100,000 for ages through 85

$50,000 for ages 86 to 90


⁽²⁾		These limits to annual contributions apply in total to all RiverSource Life annuities you own. We reserve the right to increase maximum annual limits. For qualified annuities the tax-deferred retirement plan’s or the Code’s limits on annual contributions also apply.

We will consider your contract void from the start if we do not receive your initial purchase payment within 180 days from the application signed date.

Except for TSAs, purchase payments are limited and may not be made after the third contract anniversary in Massachusetts, Washington and Oregon.

We reserve the right to not accept purchase payments allocated to the fixed account for twelve months following either:

1. a partial surrender from the fixed account; or

2. a lump sum transfer from the fixed account to a subaccount.

HOW TO MAKE PURCHASE PAYMENTS

1By letter

Send your check along with your name and contract number to:

RiverSource Life Insurance Company
70200 Ameriprise Financial Center
Minneapolis, MN 55474

2 By scheduled payment plan

We can help you set up:


•	an automatic payroll deduction, salary reduction or other group billing arrangement; or

•	a bank authorization.

PURCHASE PAYMENT CREDITS

We add a credit to your contract in the amount of:


•	1% of each purchase payment received:


	–	if you elect the ten-year surrender charge schedule* for your contract; or

	–	if you elect the seven-year surrender charge schedule for your contract and your initial purchase payment to the contract is at least $100,000.


•	2% of each purchase payment received if you elect the ten-year surrender charge schedule*for your contract and your initial purchase payment to the contract is at least $100,000.

We fund the credit from our general account. We do not consider credits to be “investments” for income tax purposes. (See “Taxes.”)

We allocate each credit to your contract value when the applicable purchase payment is applied to your contract value. We allocate such credits to your contract value according to allocation instructions in effect for your purchase payments.

We will reverse credits from the contract value for any purchase payment that is not honored. The amount returned to you under the free look provision also will not include any credits applied to your contract. (See “The Contract in Brief — Free look period.”)


*		The ten-year surrender charge is not available in Oregon. Contracts purchased in Oregon are only eligible for a 1% purchase payment credit if the initial purchase payment is at least $100,000.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS 29

To the extent a death benefit or surrender payment includes purchase payment credits applied within twelve months preceding: (1) the date of death that results in a lump sum death benefit under this contract; or (2) a request for surrender charge waiver due to Nursing Home Confinement, we will assess a charge, similar to a surrender charge, equal to the amount of the purchase payment credits**.

Surrender charges under the contract may be higher than those for contracts that do not have purchase payment credits. The amount of the credits may be more than offset by the additional charges associated them. Because of higher charges, there could be circumstances where you may be worse off purchasing this contract with the credits than purchasing other contracts. All things being equal (such as fund performance and availability), this may occur if you select the ten-year surrender charge and you make a full withdrawal in years five through ten. We pay for the credits primarily through revenue from a higher and longer withdrawal charge schedule and through lower costs associated with larger sized contracts, including lower compensation paid on the sales of these contracts. We reserve the right to increase the amount of the credit for certain groups of contract owners. The increase will not be greater than 8% of total net purchase payments. We would pay for increases in credit amounts primarily through reduced expenses expected from such groups.


**		For contracts purchased in Oregon, we will not assess a charge equal to the amount of the purchase payment credits upon payment of a death benefit or surrender.

LIMITATIONS ON USE OF CONTRACT

If mandated by applicable law, including but not limited to, federal anti-money laundering laws, we may be required to reject a purchase payment. We may also be required to block an owner’s access to contract values and 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 governmental authority or court of competent jurisdiction.

Charges

CONTRACT ADMINISTRATIVE CHARGE

We charge this fee for establishing and maintaining your records. We deduct $30 from the contract value on your contract anniversary at the end of each contract year. Subject to state regulatory requirements, we prorate this charge among the subaccounts and the fixed account in the same proportion your interest in each account bears to your total contract value.

We will waive this charge when your contract value, or total purchase payments less any payments surrendered, is $50,000 or more on the current contract anniversary.

If you surrender your contract, we will deduct the charge at the time of surrender regardless of the contract value or purchase payments made. We cannot increase the annual contract administrative charge and it does not apply after annuity payouts begin or when we pay death benefits.

MORTALITY AND EXPENSE RISK FEE

We charge this fee daily to the subaccounts. The unit values of your subaccounts reflect this fee. For nonqualified annuities the fee totals 0.95% of the average daily net assets on an annual basis. For qualified annuities the fee totals 0.75% of the average daily net assets on an annual basis. This fee covers the mortality and expense risk that we assume. This fee does not apply to the fixed account.

Mortality risk arises because of our guarantee to pay a death benefit and our guarantee to make annuity payouts according to the terms of the contract, no matter how long a specific owner or annuitant lives and no matter how long our entire group of owners or annuitants live. If, as a group, owners or annuitants outlive the life expectancy we assumed in our actuarial tables, we must take money from our general assets to meet our obligations. If, as a group, owners or annuitants do not live as long as expected, we could profit from the mortality risk fee. We deduct the mortality risk fee from the subaccounts during the annuity payout period even if the annuity payout plan does not involve a life contingency.

Expense risk arises because we cannot increase the contract administrative charge and this charge may not cover our expenses. We would have to make up any deficit from our general assets. We could profit from the expense risk fee if future expenses are less than expected.

The subaccounts pay us the mortality and expense risk fee they accrued as follows:


•	first, to the extent possible, the subaccounts pay this fee from any dividends distributed from the funds in which they invest;

•	then, if necessary, the funds redeem shares to cover any remaining fees payable.

We may use any profits we realize from the subaccounts’ payment to us of the mortality and expense risk fee for any proper corporate purpose, including, among others, payment of distribution (selling) expenses. We do not expect that the surrender charge, discussed in the following paragraphs, will cover sales and distribution expenses.

30 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS

MAV RIDER FEE

We charge a fee for the optional feature only if you select it⁽¹⁾. If selected, we deduct an annual fee of 0.15% of your contract value on your contract anniversary at the end of each contract year. We prorate this fee among the subaccounts and fixed accounts in the same proportion your interest in each account bears to your total contract value.

If the contract terminates for any reason except death or at the settlement date, we will deduct this fee, adjusted for the number of calendar days coverage was in place. If you choose to drop this rider on an anniversary (subject to the restrictions given in “Optional Benefits”), we will deduct this fee on that anniversary. We cannot increase this annual fee after the rider effective date and it does not apply after annuity payouts begin or when we pay death benefits.

EEB RIDER FEE

We charge a fee for the optional feature only if you select it⁽¹⁾. If selected, we deduct an annual fee of 0.30% of your contract value on your contract anniversary at the end of each contract year. We prorate this fee among the subaccounts and fixed accounts in the same proportion your interest in each account bears to your total contract value.

If the contract terminates for any reason except death or at the settlement date, we will deduct this fee, adjusted for the number of calendar days coverage was in place. If you chose to drop this rider on an anniversary (subject to the restrictions given in “Optional Benefits”), we will deduct this fee on that anniversary. We cannot increase this annual fee after the rider effective date and it does not apply after annuity payouts begin or when we pay death benefits.


⁽¹⁾		You may select either the MAV or EEB riders. Or you may select the MAV and the EEB. Riders may not be available in all states. The MAV and EEB are only available if you and the annuitant are 75 or younger at the rider effective date.

PN RIDER FEE

Before May 10, 2010, we deducted an annual charge of 0.10% of your contract value less any excluded accounts on your contract anniversary at the end of each contract year. This fee is no longer applicable beginning May 10, 2010.

SURRENDER CHARGE

If you surrender all or part of your contract, you may be subject to a surrender charge. A surrender charge applies if all or part of the surrender amount is from purchase payments we received within seven or ten years before surrender. You select the surrender charge period at the time of your application for the contract. The surrender charge percentages that apply to you are shown in your contract.

You may surrender an amount during any contract year without a surrender charge. We call this amount the Total Free Amount (TFA). The TFA is defined as the greater of:


•	10% of the contract value on the prior contract anniversary; or

•	current contract earnings.

NOTE: We determine current contract earnings by looking at the entire contract value, not the earnings of any particular subaccount, or the fixed account.

Amounts surrendered in excess of the TFA may be subject to a surrender charge as described below.


1.	First, we surrender the TFA. We do not assess a surrender charge on the TFA.

2.	Next we surrender purchase payments received prior to the surrender charge period you selected and shown in your contract. We do not assess a surrender charge on these purchase payments.

3.	Finally, if necessary, we surrender purchase payments received that are still within the surrender charge period you selected and shown in your contract. We surrender these payments on a first-in, first-out (FIFO) basis. We do assess a surrender charge on these payments.

We determine your surrender charge by multiplying each of your payments surrendered by the applicable surrender charge percentage, and then adding the total surrender charges.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS 31

The surrender charge percentage depends on the number of years since you made the payments that are surrendered, depending on the schedule you selected*:


Seven-year schedule				Ten-year schedule*
Number of completed years from	Surrender charge			Number of completed years from	Surrender charge
date of each purchase payment	percentage			date of each purchase payment	percentage

0		7	%	0		8	%

1		7		1		8

2		7		2		8

3		6		3		7

4		5		4		7

5		4		5		6

6		2		6		5

7		0		7		4

				8		3

				9		2

				10		0


^*		The ten-year surrender charge schedule is not available in Oregon. For contracts issued in Massachusetts, Oregon and Washington, surrender charges are waived after the tenth contract anniversary for all payments regardless of when payments are made.

Partial Surrenders

For a partial surrender that is subject to a surrender charge, the amount we actually deduct from your contract value will be the amount you request plus any applicable surrender charge. The surrender charge percentage is applied to this total amount. We pay you the amount you requested.

Example:

Assume you requested a surrender of $1,000 and there is a surrender charge of 7%. The total amount we actually deduct from your contract is $1,075.27. We determine this amount as follows:


Amount requested 1.00 – surrender charge		or		$1,000 .93		= $1,075.27

By applying the 7% surrender charge to $1,075.27, the surrender charge is $75.27. We pay you the $1,000 you requested. If you make a full surrender of your contract, we also will deduct the applicable contract administrative charge.


	Assumed investment rate
	3.50%			5.00%


Qualified annuity discount rate		4.72	%		6.22	%

Nonqualified annuity discount rate		4.92	%		6.42	%

Surrender charge calculation example

The following is an example of the calculation we would make to determine the surrender charge on a contract that contains a seven-year surrender charge schedule with this history:


•	We received these payments:

– $10,000 paid on the contract date;

– $8,000 paid during the sixth contract year;

– $6,000 paid during the eighth contract year; and


•	The owner surrenders the contract for its total contract value of $26,500 during the tenth contract year and had not made any other surrenders during that contract year; and

•	The contract value was $28,000 on the ninth contract anniversary.

32 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS


Surrender charge		Explanation

$	0	$2,500 is contract earnings surrendered without charge; and
	0	$300 is 10% of the prior anniversary’s contract value that is in excess of contract earnings surrendered without charge (from above).
		10% of $28,000 = $2,800 – $2,500 = $300
	0	$10,000 purchase payment was received eight or more years before surrender and is surrendered without surrender charge; and
	480	$8,000 purchase payment is surrendered with a 6% surrender charge since there have been 3 completed years from date of purchase payment; and
	420	$6,000 purchase payment is surrendered with a 7% surrender charge since there has been 1 completed year from date of purchase payment.

$	900

Waiver of surrender charges

We do not assess surrender charges for:


•	surrenders of any contract earnings;

•	surrenders of amounts totaling up to 10% of the contract value on the prior contract anniversary to the extent it exceeds contract earnings;

•	amounts surrendered after the tenth contract anniversary in Massachusetts, Washington and Oregon regardless of when payments are made.

•	to the extent that they exceed the greater of contract earnings or 10% of the contract value on the prior contract anniversary, required minimum distributions from a qualified annuity. The amount on which surrender charges are waived can be no greater than the RMD amount calculated under your specific contract currently in force;

•	contracts settled using an annuity payout plan, unless an Annuity Payout Plan E is later surrendered;

•	amounts we refund to you during the free look period*;

•	death benefits*; and

•	surrenders you make under your contract’s “Waiver of Surrender Charges for Nursing Home Confinement” provision*. To the extent permitted by state law, this provision applies when you are under age 76 at contract issue. Under this provision, we will waive surrender charges that we normally assess upon full or partial surrender if you provide proof satisfactory to us that, as of the date you request the surrender, you or the annuitant are confined to a nursing home and have been for the prior 90 days and the confinement began after the contract date. (See your contract for additional conditions and restrictions on this waiver.)


*		However, we will reverse certain purchase payment credits. (See “Buying your contract — Purchase payment credits.”)

Other information on charges: Ameriprise Financial, Inc. makes certain custodial services available to some profit sharing, money purchase and target benefit plans funded by our annuities. Fees for these services start at $30 per calendar year per participant. Ameriprise Financial, Inc. will charge a termination fee for owners under age 591/2 (fee waived in case of death or disability).

Possible group reductions: In some cases we may incur lower sales and administrative expenses due to the size of the group, the average contribution and the use of group enrollment procedures. In such cases, we may be able to reduce or eliminate the contract administrative and surrender charges. However, we expect this to occur infrequently.

FUND FEES AND EXPENSES

There are deductions from and expenses paid out of the assets of the funds that are described in the prospectus for those funds. (See “Annual Operating Expenses of the Funds.”)

PREMIUM TAXES

Certain state and local governments impose premium taxes on us (up to 3.5%). These taxes depend upon your state of residence or the state in which the contract was sold. Currently, we deduct any applicable premium tax when annuity payouts begin, but we reserve the right to deduct this tax at other times such as when you surrender your contract.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS 33

Valuing Your Investment

We value your accounts as follows:

FIXED ACCOUNT

We value the amounts allocated to the fixed account directly in dollars. The fixed account value equals:


•	the sum of your purchase payments and purchase payment credits and transfer amounts allocated to the fixed account;

•	plus interest credited;

•	minus the sum of amounts surrendered (including any applicable surrender charges) and amounts transferred out,

•	minus any prorated portion of the contract administrative charge;

•	minus any prorated portion of the MAV rider fee (if selected); and

•	minus any prorated portion of the EEB rider fee (if selected).

SUBACCOUNTS

We convert amounts you allocated to the subaccounts into accumulation units. Each time you make a purchase payment or transfer amounts into one of the subaccounts or we apply any purchase payments credits to a subaccount, we credit a certain number of accumulation units to your contract for that subaccount. Conversely, we subtract a certain number of accumulation units from your contract each time you take a partial surrender, transfer amounts out of a subaccount or we assess a contract administrative charge, surrender charge or fee for any optional riders with annual charges (if applicable).

The accumulation units are the true measure of investment value in each subaccount during the accumulation period. 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 accrued income or capital gain dividends to obtain a current adjusted net asset value per share; then

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

•	subtracting the percentage factor representing the mortality and expense risk fee from the result.

Because the net asset value of the fund may fluctuate, the accumulation unit value may increase or decrease. You bear all the investment risk in a subaccount.

Factors that affect subaccount accumulation units: accumulation units may change in two ways — in number and in value.

The number of accumulation units you own may fluctuate due to:


•	additional purchase payments you allocate to the subaccounts;

•	any purchase payment credits allocated to the subaccounts;

•	transfers into or out of the subaccounts;

•	partial surrenders;

•	surrender charges;

and a deduction of:


•	a prorated portion of the contract administrative charge;

•	a prorated portion of the MAV rider charge (if selected); and/or

•	a prorated portion of the EEB rider charge (if selected).

Accumulation unit values will fluctuate due to:


•	changes in fund net asset value;

•	fund dividends distributed to the subaccounts;

•	fund capital gains or losses;

•	fund operating expenses; and/or

•	mortality and expense risk fees.

34 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS

Making the Most of Your Contract

AUTOMATED DOLLAR-COST AVERAGING

This systematic approach can help you benefit from fluctuations in accumulation unit values caused by fluctuations in the market values of the funds. Since you invest the same amount each period, you automatically acquire more units when the market value falls and fewer units when it rises. You may not set up an automated transfer if the PN program is in effect. The potential effect is to lower your average cost per unit.

How dollar-cost averaging works


								Number
				Amount		Accumulation		of units
By investing an equal number of dollars each month ...		Month		invested		unit value		purchased


			Jan	$	100	$	20		5.00

			Feb		100		18		5.56
you automatically buy	è		Mar		100		17		5.88
more units when the			Apr		100		15		6.67
per unit market price is low ...			May		100		16		6.25

			Jun		100		18		5.56

			Jul		100		17		5.88
and fewer units	è		Aug		100		19		5.26
when the per unit			Sept		100		21		4.76
market price is high ...			Oct		100		20		5.00

You paid an average price of $17.91 per unit over the 10 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 dollar-cost averaging involves continuous investing, your success 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. For specific features contact your financial advisor.

ASSET REBALANCING

You can ask us in writing to have the variable subaccount portion of your contract value allocated according to the percentages (in tenth of a percent amounts) that you choose. We automatically will rebalance the variable subaccount portion of your contract value either quarterly, semiannually, or annually. The period you select will start to run on the date we record your request. On the first valuation date of each of these periods, we automatically will rebalance your contract value so that the value in each subaccount matches your current subaccount percentage allocations. These percentage allocations must be in numbers no more than one digit past the decimal. Asset rebalancing does not apply to the fixed account. There is no charge for asset rebalancing. The contract value must be at least $2,000.

You can change your percentage allocations or your rebalancing period at any time by contacting us in writing. We will restart the rebalancing period you selected as of the date we record your change. You also can ask us in writing or by any other method acceptable to us, to stop rebalancing your contract value. You must allow 30 days for us to change any instructions that currently are in place. For more information on asset rebalancing, contact your financial advisor.

Different rules apply to asset rebalancing under the Portfolio Navigator Program, (See “Portfolio Navigator Program” below).

PORTFOLIO NAVIGATOR PROGRAM (PN PROGRAM)

If you are participating in the PN program, your contract value is allocated to a PN program investment option. The PN program investment options are currently five funds of funds, each of which invests in underlying funds in proportions that vary among the funds of funds in light of each fund of funds’ investment objective (“Portfolio Navigator funds”). You do not need to participate in the PN program to allocate your contract value to one or more of the Portfolio Navigator funds available under the PN program. You may choose to discontinue your participation in the PN program at any time.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS 35

model portfolio investment option that is not subject to updating or reallocation. For more information on the static model portfolios, see “The static model portfolios” below.

You should review any PN program information, including the prospectus for the funds of funds, carefully. Your financial advisor can provide you with additional information and can answer questions you may have on the PN program.

The Portfolio Navigator funds. Each of the Portfolio Navigator funds is a fund of funds with the investment objective of seeking a high level of total return consistent with a certain level of risk by investing in various underlying funds. The funds of funds have risk profiles ranging from Conservative to Aggressive, and are managed within asset class allocation targets and with a broad multi-manager approach. Columbia Management is the investment adviser of each of the funds of funds, and Columbia Management or an affiliate is the investment adviser of each of the underlying funds in which the funds of funds invest. Columbia Management will take actions it deems appropriate to position the Funds to achieve their investment objectives, including investing in any underlying fund, adding new underlying funds, and altering target allocations as necessary. Columbia Management may also consider combined equity, fixed income and other asset class percentages in order to manage the downside risk of the product portfolios. Morningstar Associates, LLC (Morningstar) serves as an independent consultant to Columbia Management to provide recommendations regarding portfolio construction and ongoing analysis of the funds of funds. Neither Columbia Management nor Morningstar serves as your investment adviser as to the allocation of your contract value under the PN program (regardless of whether you have selected a PN program investment option or have chosen to remain in a static model portfolio). Some of the underlying funds are managed on a day-to-day basis directly by Columbia Management and some are managed by one or more affiliated or unaffiliated sub-advisers, subject to the oversight of Columbia Management and the fund’s board of trustees.

Below are the target asset allocation weights (between equity and fixed income/cash underlying funds) for each of the funds of funds:

1. Variable Portfolio – Aggressive Portfolio: 80% Equity / 20% Fixed Income

2. Variable Portfolio – Moderately Aggressive Portfolio: 65% Equity / 35% Fixed Income

3. Variable Portfolio – Moderate Portfolio: 50% Equity / 50% Fixed Income

4. Variable Portfolio – Moderately Conservative Portfolio: 35% Equity / 65% Fixed Income

5. Variable Portfolio – Conservative Portfolio: 20% Equity / 80% Fixed Income

Fund of funds conflicts of interest. In providing investment advisory services for the funds of funds and the underlying funds in which the funds of funds 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. For additional information about the conflicts of interest to which Columbia Management and its affiliates are subject, see the funds of funds prospectus.

The static model portfolios. If you have chosen to remain invested in a “static” PN program model portfolio investment option, your assets will remain invested in accordance with your current model portfolio, and you will not be provided with any updates to the model portfolio or reallocation recommendations. (The last such reallocation recommendation was provided in 2009.) Each model portfolio consists of underlying funds according to the allocation percentages stated for the model portfolio. If you are participating in the PN program through a model portfolio, you instruct us to automatically rebalance your contract value quarterly in order to maintain alignment with these allocation percentages.

If you choose to remain in a static model portfolio, the investments and investment styles and policies of the underlying funds in which your contract value is invested may change. Accordingly, your model portfolio may change so that it is no longer appropriate for your needs, even though your allocations to underlying funds do not change. Furthermore, the absence of periodic updating means that existing underlying funds will not be replaced as may be appropriate due to poor performance, changes in management personnel, or other factors.

Although the model portfolios are no longer maintained on an ongoing basis, the asset allocations in the model portfolios may have been affected by conflicts of interest similar to those to which the funds of funds are subject. Certain of the underlying funds in the model portfolios are managed by Columbia Management or an affiliate while others are not, and we or our affiliate had an incentive to specify greater allocation percentages for the affiliated underlying funds.

36 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS

objective, there is no guarantee that your responses to the investor questionnaire accurately reflect your tolerance for risk. Similarly, there is no guarantee that the investment option (or the asset mix reflected in the model portfolio, if applicable) you select or have selected after completing the investor questionnaire is appropriate to your ability to withstand investment risk. RiverSource Life is not responsible for your decision to participate in the PN program, your selection of a specific investment option or model portfolio, if applicable, or your decision to change to a different investment option.

Currently, there are five Portfolio Navigator funds (and under the previous PN program five static model portfolio investment options) ranging from conservative to aggressive. You may not use more than one investment option or model portfolio at a time. Each investment option is a fund of funds. Each model portfolio consists of subaccounts and/or the regular fixed account (if included) according to the allocation percentages stated for the model portfolio. If you are participating in the PN program in a model portfolio, you also instruct us to automatically rebalance your contract value quarterly in order to maintain alignment with these allocation percentages.

You may request a change to your fund of funds (or a transfer from your model portfolio to a fund of funds) up to twice per contract year by written request on an authorized form or by another method agreed to by us. We reserve the right to change the terms and conditions of the PN program upon written notice to you. This includes but is not limited to the right to:


•	limit your choice of investment options based on the amount of your initial purchase payment we accept or your contract value when you take a surrender;

•	substitute a fund of funds for your model portfolio, if applicable, if permitted under applicable securities law; and

•	discontinue the PN program after 30 days’ written notice.

Risks. Asset allocation does not guarantee that your contract will increase in value nor will it protect against a decline in value if market prices fall. By investing in a fund of funds, you may be able to reduce the volatility in your contract value, but there is no guarantee that this will happen. For additional information about the risks of investing in a fund of funds, see the prospectus for funds of funds.

TRANSFERRING AMONG ACCOUNTS

The transfer rights discussed in this section do not apply while the PN program is in effect. You may transfer contract value from any one subaccount, or the fixed account, to another subaccount before annuity payouts begin. Certain restrictions apply to transfers involving the fixed account.

When your request to transfer will be processed depends on when we receive it:


•	If we receive your transfer request at our corporate office 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 corporate office 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.

There is no charge for transfers. Before making a transfer, you should consider the risks involved in changing investments.

Subject to state regulatory requirements, we may suspend or modify transfer privileges at any time.

For information on transfers after annuity payouts begin, see “Transfer policies” below.

Transfer policies


•	Before annuity payouts begin, you may transfer contract values between the subaccounts. You may also transfer contract values from the subaccounts to the fixed account. However, if you made a transfer from the fixed account to the subaccounts, you may not make a transfer from any subaccount back to the fixed account until the next contract anniversary.

•	You may transfer contract values from the fixed account to the subaccounts once a year during a 31-day transfer period starting on each contract anniversary (except for automated transfers, which can be set up at any time for certain transfer periods subject to certain minimums).

•	If we receive your request within 30 days before the contract anniversary date, the transfer from the fixed account to the subaccounts will be effective on the anniversary.

•	If we receive your request on or within 30 days after the contract anniversary date, the transfer from the fixed account to the subaccounts will be effective on the valuation date we receive it.

•	We will not accept requests for transfers from the fixed account at any other time.

•	Once annuity payouts begin, you may not make transfers to or from the fixed account, but you may make transfers once per contract year among the subaccounts. During the annuity payout period, you cannot invest in more than five subaccounts at any one time unless we agree otherwise.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS 37

Market Timing

Market timing can reduce the value of your investment in the contract. If market timing causes the returns of an underlying fund to suffer, contract 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 contract and your beneficiary(ies) under the contract 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 invest in this contract 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 contract. 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 contract, 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.

Funds available as investment options under the contract 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 funds from the potentially harmful effects of market timing activity, we apply the following market timing policy to discourage frequent transfers of contract 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 and 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 contract owner who makes more than three subaccount transfers in any 90 day period. We also reserve the right to refuse any transfer requests, 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 contract and the terms of your contract. 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 contract, we will apply the policy described above to all contract owners uniformly in all cases. We will notify you in writing after we impose any modification, restriction or suspension of your transfer rights.

We cannot guarantee that we will be able to identify and restrict all market timing activity. Because we exercise discretion in applying the restrictions described above, we cannot guarantee that we will be able to restrict all market timing activity. In addition, state law and the terms of some contracts 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 contract values.

38 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS

In addition to the market timing policy described above, which applies to transfers among the subaccounts within your contract, 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 contract 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 contract 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 contract 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 contract 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 contract, 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 disregard transfers permitted under any asset allocation, dollar-cost averaging and asset rebalancing programs 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.

•	Each underlying fund is responsible for its own market timing policies, 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 contract 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, 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.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS 39

HOW TO REQUEST A TRANSFER OR SURRENDER

1By letter

Send your name, contract number, Social Security Number or Taxpayer Identification Number* and signed request for a transfer or surrender to:

RiverSource Life Insurance Company

70100 Ameriprise Financial Center
Minneapolis, MN 55474

Minimum amount

Transfers or surrenders: $250 or entire account balance

Maximum amount

Transfers or surrenders: Contract value or entire account balance


*		Failure to provide your Social Security Number or Taxpayer Identification Number may result in mandatory tax withholding on the taxable portion of the distribution.

2 By automated transfers and automated partial surrenders

Your financial advisor can help you set up automated transfers among your subaccounts or fixed account or partial surrenders from the accounts.

You can start or stop this service by written request or other method acceptable to us. You must allow 30 days for us to change any instructions that are currently in place.


•	Automated transfers from the fixed account to any one of the subaccounts may not exceed an amount that, if continued, would deplete the fixed account within 12 months.

•	Automated surrenders may be restricted by applicable law under some contracts.

•	You may not make additional purchase payments if automated partial surrenders are in effect.

•	Automated partial surrenders may result in IRS taxes and penalties on all or part of the amount surrendered.

•	The balance in any account from which you make an automated transfer or automated partial surrender must be sufficient to satisfy your instructions. If not, we will suspend your entire automated arrangement until the balance is adequate.

•	If we must suspend your automated transfer or automated partial surrender arrangement for six months, we reserve the right to discontinue the arrangement in its entirety.

•	If the PN program is in effect, you are not allowed to set up automated transfers.

Minimum amount

Transfers or surrenders: $50

Maximum amount

Transfers or surrenders: None (except for automated transfers from the fixed account)

3 By telephone

Call:

1-800-862-7919

Minimum amount

Transfers or surrenders: $250 or entire account balance

Maximum amount

Transfers: Contract value or entire account balance

Surrenders: $100,000

We answer telephone requests promptly, but you may experience delays when the 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 or surrender requests that we believe are authentic and we will use reasonable procedures to confirm that they are. This includes asking identifying questions and tape recording calls. We will not allow a telephone surrender within 30 days of a phoned-in address change. As long as we follow the procedures, we (and our affiliates) will not be liable for any loss resulting from fraudulent requests.

Telephone transfers or surrenders are automatically available. You may request that telephone transfers or surrenders not be authorized from your account by writing to us.

40 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS

Surrenders

You may surrender all or part of your contract at any time before annuity payouts begin by sending us a written request or calling us. We will process your surrender request on the valuation date we receive it. If we receive your surrender request in good order at our corporate office 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 corporate office 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. We may ask you to return the contract. You may have to pay a contract administrative charge, surrender charges, or any applicable optional rider charges (see “Charges”). Federal income taxes and penalties as well as state and local income taxes may also apply (see “Taxes”). You cannot make surrenders after annuity payouts begin except under Plan E (see “The Annuity Payout Period — Annuity Payout Plans”).

Any partial surrenders you take under the contract will reduce your contract value. As a result, the value of your death benefit or any optional benefits you have elected also will be reduced. In addition, surrenders you are required to take to satisfy the RMDs under the Code may reduce the value of certain death benefits and optional benefits (see “Taxes — Qualified Annuities — Required Minimum Distributions”).

SURRENDER POLICIES

If you have a balance in more than one account and you request a partial surrender, we will withdraw money from all your subaccounts and/or the fixed account in the same proportion as your value in each account correlates to your total contract value, unless you request otherwise. The minimum contract value after partial surrender is $600.

RECEIVING PAYMENT

1By regular or express mail


•	payable to you;

•	mailed to address of record.

NOTE: We will charge you a fee if you request express mail delivery.

2 By wire or other form of electronic payment


•	request that payment be wired to your bank;


•	pre-authorization required.

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 owner or to an address other than the address of record. These requirements will be designed to ensure owner instructions are genuine and to prevent fraud.

NOTE: We will charge you a fee if you request that payment be wired to your bank. For instructions, please contact your financial advisor.

Normally, we will send the payment within seven days after receiving your request in good order. However, we may postpone the payment if:

– the surrender amount includes a purchase payment check that has not cleared;

– the NYSE is closed, except for normal holiday and weekend closings;

– trading on the NYSE is restricted, according to SEC rules;

– an emergency, as defined by SEC rules, makes it impractical to sell securities or value the net assets of the accounts; or

– the SEC permits us to delay payment for the protection of security holders.

TSA — Special Provisions

PARTICIPANTS IN TAX-SHELTERED ANNUITIES

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS 41

made to this contract, we will not be responsible for any obligations and requirements under ERISA and the regulations thereunder, unless we have a prior written agreement with the employer. You should consult with your employer to determine whether your 403(b) plan is subject to ERISA.

In the event we have a written agreement with your employer to administer the plan pursuant to ERISA, special rules apply as set forth in the TSA endorsement.

The employer must comply with certain nondiscrimination requirements for certain types of contributions under a TSA contract to be excluded from taxable income. You should consult your employer to determine whether the nondiscrimination rules apply to you.

The Code imposes certain restrictions on your right to receive early distributions from a TSA:


•	Distributions attributable to salary reduction contributions (plus earnings) made after Dec. 31, 1988, or to transfers or rollovers from other contracts, may be made from the TSA only if:

– you are at least age 591/2;

– you are disabled as defined in the Code;

– you severed employment with the employer who purchased the contract;

– the distribution is because of your death;

– the distribution is due to plan termination; or

– you are a military reservist.


•	If you encounter a financial hardship (as provided by the Code), you may be eligible to receive a distribution of all contract values attributable to salary reduction contributions made after Dec. 31, 1988, but not the earnings on them.

•	Even though a distribution may be permitted under the above rules, it may be subject to IRS taxes and penalties (see “Taxes”).

•	The above restrictions on distributions do not affect the availability of the amount credited to the contract as of Dec. 31, 1988. The restrictions also do not apply to transfers or exchanges of contract value within the contract, or to another registered variable annuity contract or investment vehicle available through the employer.

•	If the contract has a loan provision, the right to receive a loan is described in detail in your contract.

Changing Ownership

You may change ownership of your nonqualified annuity at any time by completing a change of ownership form we approve and sending it to our corporate office. The change will become binding on us when we receive and record it. We will honor any change of ownership request received in good order that we believe is authentic and we will use reasonable procedures to confirm authenticity. If we follow these procedures, we will not take any responsibility for the validity of the change.

Please consider carefully whether or not you wish to change ownership of your nonqualified annuity if you have elected the MAV or EEB. The terms of the EEB and the MAV will change due to a change of ownership. If either the new owner or the annuitant is older than age 75, the EEB will terminate. Otherwise, the EEB will effectively “start over”. We will treat the EEB as if it is issued on the day the change of ownership is made, using the attained age of the new owner as the “issue age” to determine the benefit levels. The account value on the date of the ownership change will be treated as a “purchase payment” in determining future values of “earnings at death” under the EEB. If either the new owner or the annuitant is older than age 75, the MAV will terminate. If the MAV on the date of ownership change is greater than the account value on the date of the ownership change, we will set the MAV equal to the account value. Otherwise, the MAV value will not change due to a change in ownership. Please see the descriptions of these riders in “Optional Benefits.”

The rider charges described in “Charges” will be assessed at the next contract anniversary (and all future anniversaries when the rider is in force) for any rider that continues after a change of ownership. We reserve the right to assess charges for the number of days the rider was in force for any rider that is terminated due to a change of ownership.

If you have a nonqualified annuity, you may incur income tax liability by transferring, assigning or pledging any part of it. (See “Taxes.”)

If you have a qualified annuity, you may not sell, assign, transfer, discount or pledge your contract as collateral for a loan, or as security for the performance of an obligation or for any other purpose except as required or permitted by the Code. However, if the owner is a trust or custodian, or an employer acting in a similar capacity, ownership of the contract may be transferred to the annuitant.

42 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS

Benefits in Case of Death — Standard Death Benefit

We will pay the death benefit to your beneficiary upon the earlier of your death or the annuitant’s death if you die before the settlement start date while this contract is in force. If a contract has more than one person as the owner, we will pay benefits upon the first to die of any owner or the annuitant.

If both you and the annuitant are age 80 or younger on the date of death, the beneficiary receives the greatest of:


•	contract value, less any purchase payment credits subject to reversal, less any applicable rider charges;

•	purchase payments minus adjusted partial surrenders; or

•	the contract value as of the most recent sixth contract anniversary, preceding the date of death, plus any purchase payments since that anniversary, minus adjusted partial surrenders since that anniversary.

If either you or the annuitant are age 81 or older on the date of death, the beneficiary receives the greater of:


•	contract value, less any purchase payment credits subject to reversal, less any applicable rider charges; or

•	purchase payments minus adjusted partial surrenders.


Adjusted partial surrenders		=		PS x DB CV

PS = the amount by which the contract value is reduced as a result of the partial surrender.

DB = is the death benefit on the date of (but prior to) the partial surrender.

CV = the contract value on the date of (but prior to) the partial surrender.

Example of standard death benefit calculation when you and the annuitant are age 80 or younger:


•	You purchase the contract with a payment of $20,000.

•	On the sixth contract anniversary the contract value grows to $30,000.

•	During the seventh contract year the contract value falls to $28,000 at which point you take a $1,500 partial surrender, leaving a contract value of $26,500.


We calculate the death benefit as follows:
The contract value on the most recent sixth contract anniversary:		$30,000.00
plus purchase payments made since that anniversary:		+0.00
minus adjusted partial surrenders taken since that anniversary calculated as:
$1,500 × $30,000
$28,000		–1,607.14

for a death benefit of:		$28,392.86

IF YOU DIE BEFORE YOUR SETTLEMENT DATE

When paying the beneficiary, we will process the death claim on the valuation date our death claim requirements are fulfilled. We will determine the contract’s value using the next accumulation unit value we calculate on that valuation date. We pay interest, if any, at a rate no less than required by law. If requested, we will mail payment to the beneficiary within seven days after our death claim requirements are fulfilled.

Nonqualified annuities

If you elected any optional contract features and riders, your spouse and the new annuitant (if applicable) will be subject to all limitations and/or restrictions of those features or riders.

We will not waive surrender charges on contracts continued under the spousal continuation provision.

If your beneficiary is not your spouse, we will pay the beneficiary in a lump sum unless you give us other written instructions. Generally, we must fully distribute the death benefit within five years of your death. However, the beneficiary may receive payouts under any annuity payout plan available under this contract if:


•	the beneficiary asks us in writing within 60 days after the day on which all documents have been received that prove your death has occurred; and

•	payouts begin no later than one year after your death, or other date as permitted by the IRS; and

•	the payout period does not extend beyond the beneficiary’s life or life expectancy.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS 43

Qualified annuities

•

Spouse beneficiary: If you have not elected an annuity payout plan, and if your spouse is the sole beneficiary, your spouse may either elect to treat the contract as his/her own, so long as he or she is eligible to do so, with the contract value equal to the death benefit that would otherwise have been paid or elect an annuity payout plan or another plan agreed to by us. If your spouse elects a payout plan, the payouts must begin no later than the year in which you would have reached age 701/2. If you attained age 701/2 at the time of death, payouts must begin no later than Dec. 31 of the year following the year of your death.

If you elected any optional contract features and riders, your spouse and the new annuitant (if applicable) will be subject to all limitations and/or restrictions of those features or riders.

We will not waive surrender charges on contracts continued under the spousal continuation provision.

•

Non-spouse beneficiary: If you have not elected an annuity payout plan, and if death occurs prior to the year you would have attained age 701/2, the beneficiary may elect to receive payouts from the contract over a five year period. If your beneficiary does not elect a five year payout, or if your death occurs after attaining age 701/2, we will pay the beneficiary in a lump sum unless the beneficiary elects to receive payouts under any annuity payout plan available under this contract if:


	•	the beneficiary asks us in writing within 60 days after the day on which all documents have been received that prove your death has occurred; and

	•	payouts begin no later than one year following the year of your death; and

	•	the payout period does not extend beyond the beneficiary’s life or life expectancy.


•	Annuity payout plan: If you elect an annuity payout plan, the payouts to your beneficiary will continue pursuant to the annuity payout plan you elect.

Additionally, any optional riders, if selected, will terminate. In the event of your beneficiary’s death, their beneficiary can elect to take a lump sum payment or to continue the alternative payment plan following the schedule of minimum withdrawals established based on the life expectancy of your beneficiary.

Death benefit payment in a lump sum: We may pay all or part of the death benefit to your beneficiary in a lump sum under either a nonqualified or qualified annuity. We pay all proceeds by check (unless the beneficiary has chosen to have death benefit proceeds directly deposited into another Ameriprise Financial, Inc. account).

Optional Benefits

The assets held in our general account support the guarantees under your contract, including optional death benefits. To the extent that we are required to pay you amounts in addition to your contract value under these benefits, such amounts will come from our general account assets. You should be aware that our general account is exposed to the risks normally associated with a portfolio of fixed-income securities, including interest rate, option, liquidity and credit risk. You should also be aware that we issue other types of insurance and financial products as well, and we also pay our obligations under these products from 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.

MAXIMUM ANNIVERSARY VALUE DEATH BENEFIT (MAV)

The MAV is intended to provide additional death benefit protection in the event of fluctuating fund values. This is an optional benefit that you may select for an additional annual charge (see “Charges”). The MAV does not provide any additional benefit before the first contract anniversary after the rider effective date. The MAV may be of less value if you or the annuitant is older since we stop resetting the maximum anniversary value at age 81. Although we stop resetting the maximum anniversary value at age 81, the MAV rider fee continues to apply until the rider terminates. In addition, the MAV does not provide any additional benefit with respect to fixed account values during the time you have amounts allocated to the fixed account. Be sure to discuss with your financial advisor whether or not the MAV is appropriate for your situation.

If both you and the annuitant are age 75 or younger at the rider effective date, you may choose to add the MAV to your contract. Generally, you must elect the MAV at the time you purchase your contract and your rider effective date will be the contract issue date. In some instances the rider effective date for the MAV may be after we issue the contract. We will determine the rider effective date for the MAV added after we issue the contract according to terms determined by us and at our sole discretion.

On the first contract anniversary after the rider effective date, we set the maximum anniversary value equal to the highest of your (a) current contract value, or (b) total purchase payments minus adjusted partial surrenders. Every contract anniversary after that, through age 80, we compare the previous anniversary’s maximum anniversary value plus subsequent purchase payments less subsequent adjusted partial surrenders to the current contract value and we reset the maximum anniversary value if the current contract value is higher. We stop resetting the maximum anniversary value at age 81. However, we continue to add subsequent purchase payments and subtract adjusted partial surrenders from the maximum anniversary value.

44 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS

If you die before annuity payouts begin while this contract is in force, we will pay the beneficiary the greatest of:


•	contract value less any purchase payment credits, subject to reversal, less any applicable rider charges; or

•	purchase payments minus adjusted partial surrenders; or

•	the maximum anniversary value as calculated on the most recent contract anniversary plus subsequent purchase payments made to the contract minus adjustments for partial surrenders since that contract anniversary.

Terminating the MAV


•	You may terminate the MAV rider within 30 days of the first contract anniversary after the rider effective date.

•	You may terminate the MAV rider within 30 days of any contract anniversary beginning with the seventh contract anniversary after the rider effective date.

•	The MAV rider will terminate when you make a full surrender from the contract or when annuity payouts begin.

•	The MAV rider will terminate in the case of spousal continuation or ownership change if the new owner is age 76 or older.

If you terminate the MAV, the standard death benefit applies.

Example


•	You add the MAV when your contract value is $20,000.

•	On the first contract anniversary after the rider effective date the contract value grows to $24,000.

•	During the second contract year the contract value falls to $22,000, at which point you take a $1,500 partial surrender, leaving a contract value of $20,500.


We calculate the death benefit as follows:
The maximum anniversary value immediately preceding the date of death plus any payments made since that anniversary minus adjusted partial surrenders:
	Greatest of your contract anniversary contract values:		$	24,000
	plus purchase payments made since that anniversary:			+0
	minus adjusted partial surrenders, calculated as:
	($1,500 × $24,000) $22,000	=		–1,636
	for a death benefit of:		$	22,364

In general, if your spouse is the sole beneficiary, your spouse may choose to keep the contract as the contract owner. The contract value will be equal to the death benefit that would otherwise have been paid under the MAV. To do this your spouse must, within 60 days after our death claim requirements are fulfilled, give us written instructions to keep the contract in force. If your spouse has reached age 76 at the time he or she elects to continue the contract, the MAV rider will terminate. If your spouse at the time he or she elects to continue the contract has not yet reached age 76, he or she may choose to continue the MAV rider. In this case, the rider charges described in “Charges” will be assessed at the next contract anniversary (and all future anniversaries when the rider is in force). These charges will be based on the total contract value on the anniversary, including the additional amounts paid into the contract under the MAV rider.

ENHANCED EARNINGS DEATH BENEFIT (EEB)

The EEB is intended to provide an additional benefit to your beneficiary to help offset expenses after your death such as funeral expenses or federal and state taxes. This is an optional benefit that you may select for an additional annual charge (see “Charges”). The EEB provides reduced benefits if you or the annuitant is age 70 or older at the rider effective date and it does not provide any additional benefit before the first contract anniversary after the rider effective date. The EEB also may result in reduced benefits if you take RMDs (see “Taxes — Qualified Annuities — Required Minimum Distributions”) from your qualified annuity or any partial surrenders during the life of your contract, both of which may reduce contract earnings. This is because the benefit paid by the EEB is determined by the amount of earnings at death. Be sure to discuss with your financial advisor whether or not the EEB is appropriate for your situation.

If both you and the annuitant are age 75 or younger at the rider effective date, you may choose to add the EEB to your contract. Generally, you must elect the EEB at the time you purchase your contract and your rider effective date will be the contract issue date. In some instances the rider effective date for the EEB may be after we issue the contract. We will determine the rider effective date for the EEB added after we issue the contract according to terms determined by us and at our sole discretion.

The EEB provides that if you or the annuitant dies after the first contract anniversary after the rider effective date, but before annuity payouts begin, and while this contract is in force, we will pay the beneficiary:


•	the standard death benefit amount (see “Benefits in Case of Death — Standard Benefit”) or the MAV death benefit amount, if applicable,

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PLUS


•	40% of your earnings at death if you and the annuitant were under age 70 on the rider effective date; or

•	15% of your earnings at death if you or the annuitant were age 70 or older on the rider effective date.

Additional death benefits payable under the EEB are not included in the adjusted partial surrender calculation.

Earnings at death for the EEB: If the rider effective date for the EEB is the contract issue date, earnings at death is an amount equal to:


•	the standard death benefit amount or the MAV death benefit amount, if applicable (the “death benefit amount”)

•	minus purchase payments not previously surrendered.

The earnings at death may not be less than zero and may not be more than 250% of the purchase payments not previously surrendered that are one or more years old.

If the rider effective date for the EEB is AFTER the contract issue date, earnings at death is an amount equal to the death benefit amount


•	minus the greater of:


	•	the contract value as of the EEB rider effective date (determined before we apply any purchase payment or purchase payment credit), less any surrenders of that contract value since that rider effective date; or

	•	an amount equal to the death benefit amount as of the EEB rider effective date (determined before we apply any purchase payment or purchase payment credit), less any surrenders of that death benefit amount since that rider effective date.


•	plus any purchase payments made on or after the EEB rider effective date not previously surrendered.

The earnings at death may not be less than zero and may not be more than 250% multiplied by:


•	the greater of:


	•	the contract value as of the EEB rider effective date (determined before we apply any purchase payment or purchase payment credit), less any surrenders of that contract value since that rider effective date; or

	•	an amount equal to the death benefit amount as of the EEB rider effective date (determined before we apply any purchase payment or purchase payment credit), less any surrenders of that death benefit amount since the rider effective date


•	plus any purchase payments made on or after the EEB rider effective date not previously surrendered that are one or more years old.

Terminating the EEB


•	You may terminate the EEB rider within 30 days of the first contract anniversary after the rider effective date.

•	You may terminate the EEB rider within 30 days of any contract anniversary beginning with the seventh contract anniversary after the rider effective date.

•	The EEB rider will terminate when you make a full surrender from the contract or when annuity payouts begin.

•	The EEB rider will terminate in the case of spousal continuation or ownership change if the new owner is age 76 or older.

Example of the EEB


•	You purchased the contract with a purchase payment of $100,000. You add the EEB rider when your contract value is $100,000 and both you and the annuitant are under age 70. You selected the seven-year surrender charge schedule, the MAV and the EEB.

•	During the first contract year the contract value grows to $105,000. The death benefit equals the standard death benefit, which is the contract value, or $105,000. You have not reached the first contract anniversary after the rider effective date so the EEB does not provide any additional benefit at this time.

•	On the first contract anniversary the contract value grows to $110,000. The death benefit equals:


MAV death benefit amount (contract value):	$	110,000
plus the EEB which equals 40% of earnings at death (MAV death benefit amount minus payments not previously surrendered):
0.40 × ($110,000 – $100,000) =		+4,000

Total death benefit of:	$	114,000

46 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS


•	On the second contract anniversary the contract value falls to $105,000. The death benefit equals:


MAV death benefit amount (maximum anniversary value):	$	110,000
plus the EEB (40% of earnings at death):
0.40 × ($110,000 – $100,000) =		+4,000

Total death benefit of:	$	114,000

•

During the third contract year the contract value remains at $105,000 and you request a partial surrender, including the applicable 5% surrender charge, of $50,000. We will surrender $10,500 from your contract value free of charge (10% of your prior anniversary’s contract value). The remainder of the surrender is subject to a 5% surrender charge because your purchase payment is four years old, so we will surrender $39,500 ($37,525 + $1,975 in surrender charges) from your contract value. Altogether, we will surrender $50,000 and pay you $48,025. We calculate purchase payments not previously surrendered as $100,000 – $45,000 = $55,000 (remember that $5,000 of the partial surrender is contract earnings). The death benefit equals:


MAV death benefit amount (maximum anniversary value adjusted for partial surrenders):

	$110,000 – ($50,000 × $110,000) = $105,000$	$	57,619
plus the EEB (40% of earnings at death):
0.40 × ($57,619 – $55,000) =			+1,048

Total death benefit of:		$	58,667


•	On the third contract anniversary the contract value falls by $40,000. The death benefit remains at $58.667. The reduction in contract value has no effect.

•	On the ninth contract anniversary the contract value grows to a new high of $200,000. Earnings at death reaches its maximum of 250% of purchase payments not previously surrendered that are one or more years old. The death benefit equals:


MAV death benefit amount (contract value):	$	200,000
plus the EEB (40% of earnings at death)
.40 × 2.50 × ($55,000) =		+55,000

Total death benefit of:	$	255,000


•	During the tenth contract year you make an additional purchase payment of $50,000 and your contract value grows to $250,000. The new purchase payment is less than one year old and so it has no effect on the EEB. The death benefit equals:


MAV death benefit amount (contract value):	$	250,000
plus the EEB (40% of earnings at death, up to a maximum of 100% of purchase payments not previously surrendered that are one or more years old)
0.40 × 2.50 × ($55,000) =		+55,000

Total death benefit of:	$	305,000


•	During the eleventh contract year the contract value remains $250,000 and the “new” purchase payment is now one year old. The value of the EEB changes. The death benefit equals:


MAV death benefit amount (contract value):	$	250,000
plus the EEB which equals 40% of earnings at death (the standard death benefit amount minus payments not previously surrendered):
0.40 × ($250,000 – $105,000) =		+58,000

Total death benefit of:	$	308,000

In general, if your spouse is the sole beneficiary, and your spouse chooses to continue the contract as the contract owner, we will pay an amount into the contract so that the contract value equals the total death benefit payable under the EEB. If the spouse is age 76 or older at the time he or she elects to continue the contract, then the EEB rider will terminate. If your spouse is less than age 76 at the time he or she elects to continue the contract then he or she may choose to continue the EEB. In this case, the following conditions will apply:


•	the EEB rider will continue, but we will treat the new contract value on the date the ownership of the contract changes to your spouse (after the additional amount is paid into the contract) as if it is a purchase payment in calculating future values of “earnings at death.”

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•	the percentages of “earnings at death” payable will be based on your spouse’s age at the time he or she elects to continue the contract.

•	the rider charges described in “Charges — EEB Rider Fee” will be assessed at the next contract anniversary (and all future anniversaries when the rider is in force). These charges will be based on the total contract value on the anniversary, including the additional amounts paid into the contract under the EEB rider.

NOTE: For special tax considerations associated with the EEB, see “Taxes.”

The Annuity Payout Period

As owner of the contract, you have the right to decide how and to whom annuity payouts will be made starting at the settlement date. You may select one of the annuity payout plans outlined below, or we may mutually agree on other payout arrangements. We do not deduct any surrender charges under the payout plans listed below except under Plan E.

You also decide whether we will make annuity payouts on a fixed or variable basis, or a combination of fixed and variable. The amount available to purchase payouts under the plan you select is the contract value on your settlement date (less any applicable premium tax). Additionally, we currently allow you to use part of the amount available to purchase payouts, leaving any remaining contract value to accumulate on a tax-deferred basis. Special rules apply for partial annuitization of your annuity contract, see “Taxes — Nonqualified Annuities — Annuity payouts” and “Taxes — Qualified Annuities — Annuity payouts.” During the annuity payout period, you cannot invest in more than five subaccounts at any one time unless we agree otherwise.

Amounts of fixed and variable payouts depend on:


•	the annuity payout plan you select;

•	the annuitant’s age and, in most cases, the annuitant’s sex;

•	the annuity table in the contract; and

•	the amounts you allocated to the accounts at settlement.

In addition, for variable payouts only, amounts depend on the investment performance of the subaccounts you select. These payouts will vary from month to month because the performance of the funds will fluctuate. Fixed payouts remain the same from month to month.

For information with respect to transfers between accounts after annuity payouts begin, see “Making the Most of Your Contract — Transfer policies.”

ANNUITY TABLES

The annuity tables in your contract (Table A and Table B) show the amount of the monthly payout for each $1,000 of contract value according to the age and, when applicable, the sex of the annuitant. (Where required by law, we will use a unisex table of settlement rates.)

Table A shows the amount of the first variable payout assuming that the contract value is invested at the beginning of the annuity payout period and earns a 5% rate of return, which is reinvested and helps to support future payouts. If you ask us at least 30 days before the settlement date, we will substitute an annuity table based on an assumed 3.5% investment rate for the 5% Table A in the contract. The assumed investment rate affects both the amount of the first payout and the extent to which subsequent payouts increase or decrease. For example, annuity payouts will increase if the investment return is above the assumed investment rate and payouts will decrease if the return is below the assumed investment rate. Using the 5% assumed interest rate Table A results in a higher initial payment, but later payouts will increase more slowly when annuity unit values rise and decrease more rapidly when they decline.

Table B shows the minimum amount of each fixed payout. Amounts in Table B are based on the guaranteed annual effective interest rate shown in your contract. We declare current payout rates that we use in determining the actual amount of your fixed payout. The current payout rates will equal or exceed the guaranteed payout rates shown in Table B. We will furnish these rates to you upon request.

ANNUITY PAYOUT PLANS

You may choose any one of these annuity payout plans by giving us written instructions at least 30 days before contract value is used to purchase the payout plan:


•	Plan A — Life annuity — no refund: We make monthly payouts until the annuitant’s death. Payouts end with the last payout before the annuitant’s death. We will not make any further payouts. This means that if the annuitant dies after we made only one monthly payout, we will not make any more payouts.

48 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS


•	Plan B — Life annuity with five, ten or 15 years certain: We make monthly payouts for a guaranteed payout period of five, ten or 15 years that you elect. This election will determine the length of the payout period to the beneficiary if the annuitant should die before the elected period expires. We calculate the guaranteed payout period from the settlement date. If the annuitant outlives the elected guaranteed payout period, we will continue to make payouts until the annuitant’s death.

•	Plan C — Life annuity — installment refund: We make monthly payouts until the annuitant’s death, with our guarantee that payouts will continue for some period of time. We will make payouts for at least the number of months determined by dividing the amount applied under this option by the first monthly payout, whether or not the annuitant is living.

•	Plan D — Joint and last survivor life annuity — no refund: We make monthly payouts while both the annuitant and a joint annuitant are living. If either annuitant dies, we will continue to make monthly payouts at the full amount until the death of the surviving annuitant. Payouts end with the death of the second annuitant.

•

Plan E — Payouts for a specified period: We make monthly payouts for a specific payout period of ten to 30 years that you elect. We will make payouts only for the number of years specified whether the annuitant is living or not. Depending on the selected time period, it is foreseeable that an annuitant can outlive the payout period selected. During the payout period, you can elect to have us determine the present value of any remaining variable payouts and pay it to you in a lump sum. We determine the present value of the remaining annuity payouts which are assumed to remain level at the amount of the payout that would have been made 7 days prior to the date we determine the present value. For qualified annuities, the discount rate we use in the calculation will be either 4.72% or 6.22%, depending on the applicable assumed investment rate. For nonqualified annuities, the discount rate we use in the calculation will vary between 4.92% and 6.42%, depending on the applicable assumed investment rate. (See “Charges — Surrender charge under Annuity Payout Plan E.”) A 10% IRS penalty tax could apply to the taxable portion if you take a surrender. (See “Taxes.”)

Annuity payout plan requirements for qualified annuities: If your contract is a qualified annuity, you must select a payout plan as of the settlement date set forth in your contract. You have the responsibility for electing a payout plan under your contract that complies with applicable law. Your contract describes your payout plan options. The options will generally meet certain IRS regulations governing RMDs if the payout plan meets the incidental distribution benefit requirements, if any, and the payouts are made:


•	in equal or substantially equal payments over a period not longer than your life expectancy or over the joint life expectancy of you and your designated beneficiary; or

•	over a period certain not longer than your life expectancy or over the joint life expectancy of you and your designated beneficiary.

If we do not receive instructions: You must give us written instructions for the annuity payouts at least 30 days before the annuitant’s settlement date. If you do not, we will make payouts under Plan B, with 120 monthly payouts guaranteed. Contract values that you allocated to the fixed account will provide fixed dollar payouts and contract values that you allocated among the subaccounts will provide variable annuity payouts.

If monthly payouts would be less than $20: We will calculate the amount of monthly payouts at the time amounts are applied to a payout plan. If the calculations show that monthly payouts would be less than $20, we have the right to pay the contract value to the owner in a lump sum or to change the frequency of the payouts.

Death after annuity payouts begin: If you or the annuitant die after annuity payouts begin, we will pay any amount payable to the beneficiary as provided in the annuity payout plan in effect.

Taxes

Under current law, your contract has a tax-deferral feature. Generally, this means you do not pay income tax until there is a taxable distribution (or deemed distribution) from the contract. We will send a tax information reporting form for any year in which we made a taxable or reportable distribution according to our records.

NONQUALIFIED ANNUITIES

Generally, only the increase in the value of a non-qualified annuity contract over the investment in the contract is taxable. Certain exceptions apply. Federal tax law requires that all nonqualified deferred annuity contracts issued by the same company (and possibly its affiliates) to the same owner during a calendar year be taxed as a single, unified contract when distributions are taken from any one of those contracts.

Annuity payouts: Generally, unlike surrenders described below, the taxation of annuity payouts are subject to exclusion ratios, (for fixed annuity payouts) or annual excludable amounts (for variable annuity payouts). In other words, in most cases, a portion of each payout will be ordinary income and subject to tax, and a portion of each payout will be considered a return of part of your investment in the contract and will not be taxed. All amounts you receive after your investment in the contract is fully recovered will be subject to tax. Under Annuity Payout Plan A: Life annuity — no refund, where the annuitant dies

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before your investment in the contract is fully recovered, the remaining portion of the unrecovered investment may be available as a federal income tax deduction to the owner for the last taxable year. Under all other annuity payout plans, where the annuity payouts end before your investment in the contract is fully recovered, the remaining portion of the unrecovered investment may be available as a federal income tax deduction to the taxpayer for the tax year in which the payouts end. (See “The Annuity Payout Period — Annuity Payout Plans.”)

Beginning in 2011, federal tax law permits taxpayers to annuitize a portion of their nonqualified annuity while leaving the remaining balance to continue to grow tax-deferred. Under the new partial annuitization rules, the portion annuitized must be received as an annuity for a period of 10 years or more, or for the lives of one or more individuals. If this requirement is met, the annuitized portion and the tax-deferred balance will generally be treated as two separate contracts for income tax purposes only. If a contract is partially annuitized, the investment in the contract is allocated between the deferred and the annuitized portions on a pro rata basis.

Surrenders: Generally, if you surrender all or part of your nonqualified annuity before your annuity payouts begin, your surrender will be taxed to the extent that the contract value immediately before the surrender exceeds the investment in the contract. Application of surrender charges may alter the manner in which we tax report the surrender. Different rules may apply if you exchange another contract into this contract.

You also may have to pay a 10% IRS penalty for surrenders of taxable income you make before reaching age 591/2 unless certain exceptions apply.

Withholding: If you receive taxable income as a result of an annuity payout or surrender, we may deduct federal, and in some cases state withholding against the payment. Any withholding represents a prepayment of your income tax due for the year. You take credit for these amounts on your annual income tax return. As long as you have provided us with a valid Social Security Number or Taxpayer Identification Number, and you have a valid U.S. address, you may be able to elect not to have any withholding occur.

If the payment is part of an annuity payout plan, we generally compute the amount of federal income tax withholding using payroll tables. You may provide us with a statement of how many exemptions to use in calculating the withholding. If the distribution is any other type of payment (such as partial or full surrender) we compute federal income tax withholding using 10% of the taxable portion.

The federal income tax withholding requirements differ if we deliver payment outside the United States or you are a non-resident alien.

Some states also may impose income tax withholding requirements similar to the federal withholding described above. If this should be the case, we may deduct state income tax withholding from the payment.

Death benefits to beneficiaries: The death benefit under a nonqualified contract is not exempt from estate (federal or state) taxes. In addition, for income tax purposes, any amount your beneficiary receives that exceeds the remaining investment in the contract is taxable as ordinary income to the beneficiary in the year he or she receives the payments. (See also “Benefits in Case of Death — If You Die Before the Settlement Date”).

Net Investment Income Tax (also known as Medicare contribution tax): Effective for taxable years beginning on or after January 1, 2013, certain high-income individuals (as well as estates and trusts) are subject to a new 3.8% net investment income tax (as an addition to income taxes). For individuals, the 3.8% tax applies to the lesser of (1) the amount by which the taxpayer’s modified adjusted gross income exceeds $200,000 ($250,000 for married filing jointly and surviving spouses; $125,000 for married filing separately) or (2) the taxpayer’s “net investment income.” Net investment income includes taxable income from nonqualified annuities. Annuity holders are advised to consult their tax advisor regarding the possible implications of this additional tax.

Annuities owned by corporations, partnerships or irrevocable trusts: For nonqualified annuities, any annual increase in the value of annuities held by such entities (nonnatural persons) generally will be treated as ordinary income received during that year. However, if the trust was set up for the benefit of a natural person(s) only, the income may remain tax-deferred until surrendered or paid out.

Penalties: If you receive amounts from your nonqualified annuity before reaching age 591/2, you may have to pay a 10% IRS penalty on the amount includable in your ordinary income. However, this penalty will not apply to any amount received:


•	because of your death or in the event of nonnatural ownership, the death of the annuitant;

•	because you become disabled (as defined in the Code);

•	if the distribution is part of a series of substantially equal periodic payments, made at least annually, over your life or life expectancy (or joint lives or life expectancies of you and your beneficiary);

•	if it is allocable to an investment before Aug. 14, 1982; or

50 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS


•	if annuity payouts are made under immediate annuities as defined by the Code.

Transfer of ownership: Generally, if you transfer ownership of a nonqualified annuity without receiving adequate consideration, the transfer may be taxed as a surrender for federal income tax purposes. If the transfer is a currently taxable event for income tax purposes, the original owner will be taxed on the amount of deferred earnings at the time of the transfer and also may be subject to the 10% IRS penalty discussed earlier. In this case, the new owner’s investment in the contract will be the value of the contract at the time of the transfer plus any earnings included in the original owner’s taxable income as a result of the transfer. In general, this rule does not apply to transfers between spouses or former spouses. Similar rules apply if you transfer ownership for full consideration. Please consult your tax advisor for further details.

1035 Exchanges: Section 1035 of the Code permits nontaxable exchanges of certain insurance policies, endowment contracts, annuity contracts and qualified long-term care insurance contract 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 are 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, or (4) the exchange of a qualified long-term care insurance contract for a qualified long-term insurance contract. However, if the life insurance policy has an outstanding loan, there may be tax consequences. 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 contract.

For a partial exchange of an annuity contract for another annuity contract, the 1035 exchange is generally tax-free. The investment in the original contract and the earnings on the contract will be allocated proportionately between the original and new contracts. However, per IRS Revenue Procedure 2011-38, if surrenders are taken from either contract within the 180-day period following an exchange, the IRS will apply general tax principles to determine the appropriate tax treatment of the exchange and subsequent surrender. As a result, there may be unexpected tax consequences. You should consult your tax advisor before taking any surrender from either contract during the 180-day period following a partial exchange. Different IRS limitations on surrenders apply to partial exchanges completed prior to October 24, 2011.

Assignment: If you assign or pledge your contract as collateral for a loan, earnings on purchase payments you made after Aug. 13, 1982 will be taxed as a deemed distribution and you may have to pay a 10% IRS penalty on the taxable portion.

QUALIFIED ANNUITIES

Adverse tax consequences may result if you do not ensure that contributions, distributions and other transactions under the contract comply with the law. Qualified annuities have minimum distribution rules that govern the timing and amount of distributions. You should refer to your retirement plan’s Summary Plan Description, your IRA disclosure statement, or consult a tax advisor for additional information about the distribution rules applicable to your situation.

When you use your contract to fund a retirement plan or IRA that is already tax-deferred under the Code, the contract will not provide any necessary or additional tax deferral. If your contract is used to fund an employer sponsored plan, your right to benefits may be subject to the terms and conditions of the plan regardless of the terms of the contract.

Annuity payouts: Under a qualified annuity, except a Roth IRA, Roth 401(k) or Roth 403(b), the entire payout generally is includable as ordinary income and is subject to tax unless: (1) the contract is an IRA to which you made non-deductible contributions; or (2) you rolled after-tax dollars from a retirement plan into your IRA; or (3) the contract is used to fund a retirement plan and you or your employer have contributed after-tax dollars. We may permit partial annuitizations of qualified annuity contracts. If we accept partial annuitizations, please remember that your contract will still need to comply with other requirements such as required minimum distributions and the payment of taxes. Prior to considering a partial annuitization on a qualified contract, you should discuss your decision and any implications with your tax adviser. Because we cannot accurately track certain after tax funding sources, we will generally report any payments on partial annuitizations as ordinary income except in the case of a qualified distribution from a Roth IRA.

Annuity payouts from Roth IRAs: In general, the entire payout from a Roth IRA can be free from income and penalty taxes if you have attained age 591/2 and meet the five year holding period.

Surrenders: Under a qualified annuity, except a Roth IRA, Roth 401(k) or Roth 403(b), the entire surrender will generally be includable as ordinary income and is subject to tax unless: (1) the contract is an IRA to which you made non-deductible contributions; or (2) you rolled after-tax dollars from a retirement plan into your IRA; or (3) the contract is used to fund a retirement plan and you or your employer have contributed after-tax dollars.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS 51

Surrenders from Roth IRAs: In general, the entire payout from a Roth IRA can be free from income and penalty taxes if you have attained age 591/2 and meet the five year holding period.

Required Minimum Distributions: Retirement plans (except for Roth IRAs) are subject to required surrenders called required minimum distributions (“RMDs”) beginning at age 701/2. RMDs are based on the fair market value of your contract at year-end divided by life expectancy factor. Certain death benefits and optional riders may be considered in determining the fair market value of your contract for RMD purposes. This may cause your RMD to be higher. You should consult your tax advisor prior to making a purchase for an explanation of the potential tax implications to you. Inherited IRAs (including inherited Roth IRAs) are subject to special RMD rules.

Withholding for IRAs, Roth IRAs, SEPs and SIMPLE IRAs: If you receive taxable income as a result of an annuity payout or a surrender, we may deduct withholding against the payment. Any withholding represents a prepayment of your tax due for the year. You take credit for these amounts on your annual income tax return. As long as you have provided us with a valid Social Security Number or Taxpayer Identification Number, you can elect not to have any withholding occur.

If the payment is part of an annuity payout plan, we generally compute the amount of federal income tax withholding using payroll tables. You may provide us with a statement of how many exemptions to use in calculating the withholding. If the distribution is any other type of payment (such as a partial or full surrender) we compute federal income tax withholding using 10% of the taxable portion.

The federal income tax withholding requirements differ if we deliver payment outside the United States or you are a non-resident alien.

Withholding for all other qualified annuities: If you receive directly all or part of the contract value from a qualified annuity, mandatory 20% federal income tax withholding (and possibly state income tax withholding) generally will be imposed at the time the payout is made from the plan. Any withholding represents a prepayment of your tax due for the year. You take credit for these amounts on your annual income tax return. This mandatory withholding will not be imposed if instead of receiving the distribution check, you elect to have the distribution rolled over directly to an IRA or another eligible plan. Payments made to a surviving spouse instead of being directly rolled over to an IRA are also subject to mandatory 20% income tax withholding.

In the below situations, the distribution is subject to an optional 10% withholding instead of the mandatory 20% withholding. We will withhold 10% of the distribution amount unless you elect otherwise.


•	the payout is one in a series of substantially equal periodic payouts, made at least annually, over your life or life expectancy (or the joint lives or life expectancies of you and your designated beneficiary) or over a specified period of 10 years or more;

•	the payout is a RMD as defined under the Code;

•	the payout is made on account of an eligible hardship; or

•	the payout is a corrective distribution.

State withholding also may be imposed on taxable distributions.

Penalties: If you receive amounts from your qualified contract before reaching age 591/2, you may have to pay a 10% IRS penalty on the amount includable in your ordinary income. However, this penalty generally will not apply to any amount received:


•	because of your death;

•	because you become disabled (as defined in the Code);

•	if the distribution is part of a series of substantially equal periodic payments made at least annually, over your life or life expectancy (or joint lives or life expectancies of you and your beneficiary);

•	if the distribution is made following severance from employment during the calendar year in which you attain age 55 (TSAs and annuities funding 401(a) plans only);

•	to pay certain medical or education expenses (IRAs only); or

•	if the distribution is made from an inherited IRA.

Death benefits to beneficiaries: The entire death benefit generally is taxable as ordinary income to the beneficiary in the year he/she receives the payments from the qualified annuity. If you made non-deductible contributions to a traditional IRA, the portion of any distribution from the contract that represents after-tax contributions is not taxable as ordinary income to your beneficiary. You are responsible for keeping all records tracking your non-deductible contributions to an IRA. Death benefits under a Roth IRA generally are not taxable as ordinary income to the beneficiary if certain distribution requirements are met. (See also “Benefits in Case of Death — If you Die Before the Settlement Date”).

52 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS

Change of retirement plan type: IRS regulations allow for rollovers of certain retirement plan distributions. In some circumstances, you may be able to have an intra-contract rollover, keeping the same features and conditions. If the annuity contract you have does not support an intra-contract rollover, you are able to request an IRS approved rollover to another annuity contract or other investment product that you choose. If you choose another annuity contract or investment product, you will be subject to new rules, including a new surrender charge schedule for an annuity contract, or other product rules as applicable.

Assignment: You may not assign or pledge your qualified contract as collateral for a loan.

OTHER

Purchase payment credits: These are considered earnings and are taxed accordingly when surrendered or paid out.

Special considerations if you select any optional rider: As of the date of this prospectus, we believe that charges related to these riders are not subject to current taxation. Therefore, we will not report these charges as partial surrenders from your contract. However, the IRS may determine that these charges should be treated as partial surrenders subject to taxation to the extent of any gain as well as the 10% tax penalty for surrenders before the age of 591/2, if applicable on the taxable portion.

We reserve the right to report charges for these riders as partial surrenders if we, as a withholding and reporting agent, believe that we are required to report them. In addition, we will report any benefits attributable to these riders on the death of you or the annuitant as an annuity death benefit distribution, not as proceeds from life insurance.

Important: Our discussion of federal tax laws is based upon our understanding of current interpretations of these laws. Federal tax laws or current interpretations of them may change. For this reason and because tax consequences are complex and highly individual and cannot always be anticipated, you should consult a tax advisor if you have any questions about taxation of your contract.

RiverSource Life’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 each subaccount invests and becomes part of that 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 annuities or in our tax status as we then understand it.

Tax qualification: We intend that the contract qualify as an annuity for federal income tax purposes. To that end, the provisions of the contract are to be interpreted to ensure or maintain such tax qualification, in spite of any other provisions of the contract. We reserve the right to amend the contract to reflect any clarifications that may be needed or are appropriate to maintain such qualification or to conform the contract to any applicable changes in the tax qualification requirements. We will send you a copy of any amendments.

Spousal status: In the case of United States v. Windsor, Section 3 of the Defense of Marriage Act was declared unconstitutional by the U.S. Supreme Court. As a result of this ruling, same sex marriages recognized under state law must be afforded all of the benefits of marriage for federal law purposes. The IRS subsequently provided interpretive guidance which, for federal tax purposes, determined the recognition of a same sex marriage is based on the state or foreign jurisdiction in which the marriage occurred. In addition, the guidance states that other relationships that may be recognized under state law, such as civil unions or domestic partnerships, are not considered marriages for federal tax purposes. Therefore, if you are in a civil union or other non-marital relationship recognized under state law, you will not receive the favorable federal tax treatment normally afforded to married couples.

When it comes to your marital status and the identification and naming of any spouse as a beneficiary or party to your contract, we will rely on the representations you make to us. Based on this reliance, we will issue and administer your contract in accordance with these representations. If you represent that you are married and your representation is incorrect or your marriage is deemed invalid for federal or state law purposes, then the benefits and rights under your contract may be different.

If you have any questions as to the status of your relationship as a marriage, then you should consult an appropriate tax or legal advisor.

Voting Rights

As a contract owner with investments in the subaccounts, you may vote on important fund policies until annuity payouts begin. Once they begin, the person receiving them has voting rights. We will vote fund shares according to the instructions of the person with voting rights.

Before annuity payouts begin, the number of votes you have is determined by applying your percentage interest in each subaccount to the total number of votes allowed to the subaccount.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS 53

After annuity payouts begin, the number of votes you have is equal to:


•	the reserve held in each subaccount for your contract; divided by

•	the net asset value of one share of the applicable fund.

As we make annuity payouts, the reserve for the contract decreases; therefore, the number of votes also will decrease.

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 the voter is entitled. We will vote shares for which we have not received instructions in the same proportion as the votes for which we received instructions. We also will vote the shares for which we have voting rights in the same proportion as the votes for which we received instructions.

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 no longer the most suitable) for the subaccounts.

If any of these situations occur, and if we believe it is in the best interest of persons having voting rights under the contract, 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. If we notify you that a subaccount will be eliminated or closed, you will have a certain period of time to tell us where to reallocate purchase payments or contract value currently allocated to that subaccount. If we do not receive your reallocation instructions by the due date, we automatically will reallocate to the subaccount investing in the RiverSource Variable Portfolio — Cash Management Fund. You may then transfer this reallocated amount in accordance with the transfer provisions of your contract (see “Transferring Between Accounts” above).

In the event of substitution or any of these changes, we may amend the contract and take whatever action is necessary and appropriate without your consent or approval. However, we will not make any substitution or change without the necessary approval of the SEC and state insurance departments.

About the Service Providers

PRINCIPAL UNDERWRITER

RiverSource Distributors, Inc. (“RiverSource Distributors”), our affiliate, serves as the principal underwriter of the contract. Its offices are located at 70100 Ameriprise Financial Center, Minneapolis, MN 55474. RiverSource Distributors is a wholly-owned subsidiary of Ameriprise Financial, Inc.

Although we no longer offer the contract for sale, you may continue to make purchase payments if permitted under the terms of your contract. We pay commissions to an affiliated selling firm of up to 5.75% of purchase payments on the contract as well as service/trail commissions of up to 0.25% based on annual total contract value for as long as the contract remains in effect. We also may pay a temporary additional sales commission of up to 1.00% of purchase payments for a period of time we select. These commissions do not change depending on which subaccounts you choose to allocate your purchase payments.

From time to time and in accordance with applicable laws and regulations, we may also pay or provide the selling firm with various cash and non-cash promotional incentives including, but not limited to bonuses, short-term sales incentive payments, marketing allowances, costs associated with sales conferences and educational seminars and sales recognition awards.

A portion of the payments made to the selling firm may be passed on to its financial advisors in accordance with its internal compensation programs. Those programs may also include other types of cash and non-cash compensation and other benefits. Ask your financial advisor for further information about what your financial advisor and the selling firm for which he or she works may receive in connection with your contract.

We pay the commissions and other compensation described above from our assets. Our assets include:

54 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS


•	revenues we receive from fees and expenses that you will pay when buying, owning and surrendering the contract (see “Expense Summary”);

•	compensation we or an affiliate receive from the underlying funds in the form of distribution and services fees (see “The Variable Account and the Funds — the funds”);

•	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 contract. However, you may pay part of all of the commissions and other compensation described above indirectly through:


•	fees and expenses we collect from contract 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.

ISSUER

We issue the contracts. We are a stock life insurance company organized in 1957 under the laws of the state of Minnesota and are located at 70100 Ameriprise Financial Center, Minneapolis, MN 55474. We are a wholly-owned subsidiary of Ameriprise Financial, Inc.

We conduct a conventional life insurance business. We are licensed to do business in 49 states, the District of Columbia and American Samoa. Our primary products currently include fixed and variable annuity contracts and life insurance policies.

LEGAL PROCEEDINGS

Life insurance companies have been the subject of increasing regulatory, legislative and judicial scrutiny. Numerous state and federal regulatory agencies have commenced examinations and other inquiries of insurance companies regarding sales and marketing practices (including sales to older consumers and disclosure practices), claims handling, and unclaimed property and escheatment practices and procedures. With regard to an industry-wide investigation of unclaimed property and escheatment practices and procedures, RiverSource Life is responding to regulatory audits, market conduct examinations and other inquiries (including inquiries from the State of Minnesota and a multistate insurance department examination). RiverSource Life has cooperated and will continue to cooperate with the applicable regulators regarding their inquiries.

RiverSource Life is involved in the normal course of business in a number of other legal and arbitration proceedings concerning matters arising in connection with the conduct of its business activities. RiverSource Life believes that it is not a party to, nor are any of its properties the subject of, any pending legal, arbitration or regulatory proceedings that would have a material adverse effect on its consolidated financial condition, results of operations or liquidity. However, it is possible that the outcome of any such proceedings could have a material impact on results of operations in any particular reporting period as the proceedings are resolved.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS 55

Appendix: Condensed Financial Information (Unaudited)

The following tables give per-unit information about the financial history of each subaccount. The date in which operations commenced in each subaccount is noted in parentheses. We have not provided this information for subaccounts that were not available under your contract as of Dec. 31, 2013.


Variable account charges of 0.75% of the daily net assets of the variable account.
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


AllianceBernstein VPS Dynamic Asset Allocation Portfolio (Class B) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.07		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		542		—		—		—		—		—		—		—

AllianceBernstein VPS Global Thematic Growth Portfolio (Class B) (11/01/2005)
Accumulation unit value at beginning of period		$1.08		$0.96		$1.26		$1.07		$0.71		$1.36		$1.14		$1.06		$1.00		—
Accumulation unit value at end of period		$1.32		$1.08		$0.96		$1.26		$1.07		$0.71		$1.36		$1.14		$1.06		—
Number of accumulation units outstanding at end of period (000 omitted)		1,917		2,217		3,348		4,452		5,299		3,750		4,111		14,120		2,021		—

AllianceBernstein VPS Growth and Income Portfolio (Class B) (08/13/2001)
Accumulation unit value at beginning of period		$1.30		$1.12		$1.06		$0.95		$0.80		$1.35		$1.30		$1.12		$1.08		$0.98
Accumulation unit value at end of period		$1.74		$1.30		$1.12		$1.06		$0.95		$0.80		$1.35		$1.30		$1.12		$1.08
Number of accumulation units outstanding at end of period (000 omitted)		34,405		40,750		48,468		55,671		68,595		84,420		116,725		135,093		149,316		125,010

AllianceBernstein VPS International Value Portfolio (Class B) (08/13/2001)
Accumulation unit value at beginning of period		$1.53		$1.35		$1.69		$1.63		$1.23		$2.64		$2.52		$1.88		$1.63		$1.31
Accumulation unit value at end of period		$1.87		$1.53		$1.35		$1.69		$1.63		$1.23		$2.64		$2.52		$1.88		$1.63
Number of accumulation units outstanding at end of period (000 omitted)		56,626		67,635		83,009		102,937		150,692		202,780		217,241		203,016		153,107		70,504

ALPS/Alerian Energy Infrastructure Portfolio: Class III (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.07		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		4,271		—		—		—		—		—		—		—		—		—

American Century VP International, Class I (09/15/1999)
Accumulation unit value at beginning of period		$1.30		$1.08		$1.24		$1.10		$0.83		$1.52		$1.30		$1.04		$0.93		$0.81
Accumulation unit value at end of period		$1.58		$1.30		$1.08		$1.24		$1.10		$0.83		$1.52		$1.30		$1.04		$0.93
Number of accumulation units outstanding at end of period (000 omitted)		5,037		5,968		7,587		9,999		12,855		16,842		22,009		24,450		28,073		28,284

American Century VP Mid Cap Value, Class II (05/01/2007)
Accumulation unit value at beginning of period		$1.17		$1.01		$1.03		$0.87		$0.68		$0.90		$1.00		—		—		—
Accumulation unit value at end of period		$1.51		$1.17		$1.01		$1.03		$0.87		$0.68		$0.90		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		9,110		9,353		11,208		12,924		48,044		54,402		56,815		—		—		—

American Century VP Ultra^®, Class II (11/01/2005)
Accumulation unit value at beginning of period		$1.20		$1.06		$1.06		$0.92		$0.69		$1.19		$0.99		$1.04		$1.00		—
Accumulation unit value at end of period		$1.63		$1.20		$1.06		$1.06		$0.92		$0.69		$1.19		$0.99		$1.04		—
Number of accumulation units outstanding at end of period (000 omitted)		7,242		8,724		10,122		11,063		11,805		12,809		13,321		78,916		10,074		—

American Century VP Value, Class I (09/15/1999)
Accumulation unit value at beginning of period		$1.95		$1.72		$1.71		$1.52		$1.28		$1.76		$1.87		$1.59		$1.52		$1.34
Accumulation unit value at end of period		$2.55		$1.95		$1.72		$1.71		$1.52		$1.28		$1.76		$1.87		$1.59		$1.52
Number of accumulation units outstanding at end of period (000 omitted)		10,946		12,258		14,862		19,329		24,377		28,576		41,125		47,446		53,724		50,678

BlackRock Global Allocation V.I. Fund (Class III) (04/30/2012)
Accumulation unit value at beginning of period		$1.03		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.17		$1.03		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		10,851		3,746		—		—		—		—		—		—		—		—

Calvert VP SRI Balanced Portfolio (05/01/2000)
Accumulation unit value at beginning of period		$1.22		$1.12		$1.07		$0.97		$0.78		$1.14		$1.12		$1.04		$0.99		$0.92
Accumulation unit value at end of period		$1.43		$1.22		$1.12		$1.07		$0.97		$0.78		$1.14		$1.12		$1.04		$0.99
Number of accumulation units outstanding at end of period (000 omitted)		10,738		11,585		12,719		14,304		15,940		18,431		21,893		24,975		23,850		20,551

Columbia Variable Portfolio – Balanced Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$1.37		$1.21		$1.19		$1.07		$0.86		$1.24		$1.23		$1.08		$1.05		$0.97
Accumulation unit value at end of period		$1.65		$1.37		$1.21		$1.19		$1.07		$0.86		$1.24		$1.23		$1.08		$1.05
Number of accumulation units outstanding at end of period (000 omitted)		45,325		46,103		53,355		61,921		74,529		61,707		86,628		89,309		92,705		84,704

Columbia Variable Portfolio – Cash Management Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$1.19		$1.20		$1.21		$1.22		$1.22		$1.20		$1.16		$1.12		$1.10		$1.10
Accumulation unit value at end of period		$1.18		$1.19		$1.20		$1.21		$1.22		$1.22		$1.20		$1.16		$1.12		$1.10
Number of accumulation units outstanding at end of period (000 omitted)		76,751		96,155		124,252		134,040		197,288		399,214		286,121		258,492		193,996		187,100

56 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 0.75% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Columbia Variable Portfolio – Commodity Strategy Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.93		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		148		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Contrarian Core Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.21		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,941		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Core Bond Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.95		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		250		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Diversified Bond Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$1.80		$1.69		$1.59		$1.48		$1.30		$1.40		$1.34		$1.30		$1.28		$1.23
Accumulation unit value at end of period		$1.74		$1.80		$1.69		$1.59		$1.48		$1.30		$1.40		$1.34		$1.30		$1.28
Number of accumulation units outstanding at end of period (000 omitted)		145,968		214,369		232,229		282,705		638,984		610,707		599,680		511,100		332,677		221,377

Columbia Variable Portfolio – Dividend Opportunity Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$1.80		$1.59		$1.68		$1.45		$1.15		$1.94		$1.81		$1.52		$1.35		$1.15
Accumulation unit value at end of period		$2.26		$1.80		$1.59		$1.68		$1.45		$1.15		$1.94		$1.81		$1.52		$1.35
Number of accumulation units outstanding at end of period (000 omitted)		144,917		166,205		206,688		256,449		508,061		530,216		560,416		585,144		408,559		255,776

Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.91		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		792		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Emerging Markets Fund (Class 3) (05/01/2000)
Accumulation unit value at beginning of period		$2.49		$2.08		$2.65		$2.23		$1.29		$2.81		$2.05		$1.54		$1.16		$0.94
Accumulation unit value at end of period		$2.43		$2.49		$2.08		$2.65		$2.23		$1.29		$2.81		$2.05		$1.54		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		33,013		38,627		46,641		56,730		80,593		111,551		89,546		89,672		75,520		22,549

Columbia Variable Portfolio – Global Bond Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$1.95		$1.85		$1.78		$1.68		$1.52		$1.54		$1.44		$1.36		$1.44		$1.32
Accumulation unit value at end of period		$1.79		$1.95		$1.85		$1.78		$1.68		$1.52		$1.54		$1.44		$1.36		$1.44
Number of accumulation units outstanding at end of period (000 omitted)		46,672		62,204		73,158		88,623		195,536		201,728		204,316		169,931		130,135		82,347

Columbia Variable Portfolio – High Yield Bond Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$2.15		$1.87		$1.78		$1.57		$1.03		$1.39		$1.37		$1.25		$1.21		$1.09
Accumulation unit value at end of period		$2.26		$2.15		$1.87		$1.78		$1.57		$1.03		$1.39		$1.37		$1.25		$1.21
Number of accumulation units outstanding at end of period (000 omitted)		69,676		82,188		91,967		111,083		137,350		147,297		218,538		251,768		262,154		242,254

Columbia Variable Portfolio – Income Opportunities Fund (Class 3) (09/13/2004)
Accumulation unit value at beginning of period		$1.79		$1.57		$1.49		$1.33		$0.94		$1.16		$1.14		$1.07		$1.04		$1.00
Accumulation unit value at end of period		$1.86		$1.79		$1.57		$1.49		$1.33		$0.94		$1.16		$1.14		$1.07		$1.04
Number of accumulation units outstanding at end of period (000 omitted)		36,897		46,830		49,398		56,452		229,076		128,653		116,516		109,316		29,477		1,052

Columbia Variable Portfolio – International Opportunity Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$1.08		$0.92		$1.06		$0.94		$0.74		$1.26		$1.12		$0.91		$0.81		$0.69
Accumulation unit value at end of period		$1.31		$1.08		$0.92		$1.06		$0.94		$0.74		$1.26		$1.12		$0.91		$0.81
Number of accumulation units outstanding at end of period (000 omitted)		22,743		26,232		32,942		39,494		48,442		55,412		75,421		80,961		77,787		51,446

Columbia Variable Portfolio – Large Cap Growth Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$0.75		$0.63		$0.65		$0.56		$0.41		$0.75		$0.73		$0.66		$0.62		$0.57
Accumulation unit value at end of period		$0.97		$0.75		$0.63		$0.65		$0.56		$0.41		$0.75		$0.73		$0.66		$0.62
Number of accumulation units outstanding at end of period (000 omitted)		78,647		88,846		104,494		124,302		147,034		180,650		283,769		326,108		323,849		191,140

Columbia Variable Portfolio – Large Core Quantitative Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$0.95		$0.84		$0.80		$0.69		$0.56		$0.98		$0.96		$0.84		$0.79		$0.75
Accumulation unit value at end of period		$1.26		$0.95		$0.84		$0.80		$0.69		$0.56		$0.98		$0.96		$0.84		$0.79
Number of accumulation units outstanding at end of period (000 omitted)		136,765		160,002		186,291		218,715		257,537		301,682		383,078		450,207		263,828		130,790

Columbia Variable Portfolio – Marsico Growth Fund (Class 1) (05/01/2006)
Accumulation unit value at beginning of period		$1.17		$1.05		$1.09		$0.90		$0.72		$1.19		$1.02		$1.00		—		—
Accumulation unit value at end of period		$1.57		$1.17		$1.05		$1.09		$0.90		$0.72		$1.19		$1.02		—		—
Number of accumulation units outstanding at end of period (000 omitted)		44,031		55,443		70,116		86,635		378,240		310,527		204,077		121,798		—		—

Columbia Variable Portfolio – Marsico International Opportunities Fund (Class 2) (05/01/2006)
Accumulation unit value at beginning of period		$0.97		$0.83		$1.00		$0.89		$0.65		$1.27		$1.07		$1.00		—		—
Accumulation unit value at end of period		$1.16		$0.97		$0.83		$1.00		$0.89		$0.65		$1.27		$1.07		—		—
Number of accumulation units outstanding at end of period (000 omitted)		12,641		15,548		20,933		26,527		32,788		41,006		32,112		59,299		—		—

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS 57


Variable account charges of 0.75% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Columbia Variable Portfolio – Mid Cap Growth Opportunity Fund (Class 3) (05/01/2001)
Accumulation unit value at beginning of period		$1.42		$1.29		$1.53		$1.22		$0.75		$1.37		$1.22		$1.23		$1.12		$1.04
Accumulation unit value at end of period		$1.85		$1.42		$1.29		$1.53		$1.22		$0.75		$1.37		$1.22		$1.23		$1.12
Number of accumulation units outstanding at end of period (000 omitted)		19,000		22,638		28,726		34,995		40,215		38,730		50,337		62,826		47,283		53,376

Columbia Variable Portfolio – Mid Cap Value Opportunity Fund (Class 3) (05/02/2005)
Accumulation unit value at beginning of period		$1.48		$1.26		$1.38		$1.14		$0.81		$1.49		$1.36		$1.19		$1.00		—
Accumulation unit value at end of period		$2.02		$1.48		$1.26		$1.38		$1.14		$0.81		$1.49		$1.36		$1.19		—
Number of accumulation units outstanding at end of period (000 omitted)		17,694		20,051		25,903		33,723		57,405		76,989		71,709		101,239		6,605		—

Columbia Variable Portfolio – Multi-Strategy Alternatives Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.95		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		732		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – S&P 500 Index Fund (Class 3) (05/01/2000)
Accumulation unit value at beginning of period		$1.07		$0.93		$0.93		$0.81		$0.65		$1.04		$1.00		$0.87		$0.84		$0.77
Accumulation unit value at end of period		$1.40		$1.07		$0.93		$0.93		$0.81		$0.65		$1.04		$1.00		$0.87		$0.84
Number of accumulation units outstanding at end of period (000 omitted)		52,071		57,241		65,653		77,987		91,208		100,420		127,010		139,008		154,949		144,039

Columbia Variable Portfolio – Select Large-Cap Value Fund (Class 3) (02/04/2004)
Accumulation unit value at beginning of period		$1.37		$1.17		$1.19		$1.00		$0.80		$1.33		$1.34		$1.14		$1.10		$1.00
Accumulation unit value at end of period		$1.87		$1.37		$1.17		$1.19		$1.00		$0.80		$1.33		$1.34		$1.14		$1.10
Number of accumulation units outstanding at end of period (000 omitted)		11,118		8,170		9,950		10,640		6,269		5,696		7,988		7,937		6,232		3,498

Columbia Variable Portfolio – Select Smaller-Cap Value Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$1.90		$1.63		$1.79		$1.42		$1.03		$1.68		$1.77		$1.60		$1.53		$1.30
Accumulation unit value at end of period		$2.80		$1.90		$1.63		$1.79		$1.42		$1.03		$1.68		$1.77		$1.60		$1.53
Number of accumulation units outstanding at end of period (000 omitted)		11,928		13,295		16,466		19,549		21,859		26,621		38,095		49,721		59,243		61,563

Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$1.38		$1.37		$1.36		$1.33		$1.27		$1.31		$1.25		$1.22		$1.21		$1.21
Accumulation unit value at end of period		$1.34		$1.38		$1.37		$1.36		$1.33		$1.27		$1.31		$1.25		$1.22		$1.21
Number of accumulation units outstanding at end of period (000 omitted)		43,683		65,849		78,480		95,906		109,059		125,698		120,018		125,729		145,087		160,725

Credit Suisse Trust – Commodity Return Strategy Portfolio (05/01/2006)
Accumulation unit value at beginning of period		$0.86		$0.89		$1.02		$0.88		$0.74		$1.13		$0.97		$1.00		—		—
Accumulation unit value at end of period		$0.77		$0.86		$0.89		$1.02		$0.88		$0.74		$1.13		$0.97		—		—
Number of accumulation units outstanding at end of period (000 omitted)		24,974		31,771		38,081		37,446		39,767		30,400		17,045		51,380		—		—

DWS Alternative Asset Allocation VIP, Class B (04/30/2012)
Accumulation unit value at beginning of period		$1.00		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.00		$1.00		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		8,510		3,246		—		—		—		—		—		—		—		—

Eaton Vance VT Floating-Rate Income Fund (05/01/2006)
Accumulation unit value at beginning of period		$1.26		$1.19		$1.17		$1.08		$0.75		$1.04		$1.03		$1.00		—		—
Accumulation unit value at end of period		$1.30		$1.26		$1.19		$1.17		$1.08		$0.75		$1.04		$1.03		—		—
Number of accumulation units outstanding at end of period (000 omitted)		86,779		67,900		74,599		74,514		162,181		119,741		111,086		103,830		—		—

Fidelity^® VIP Contrafund^® Portfolio Service Class 2 (05/01/2006)
Accumulation unit value at beginning of period		$1.19		$1.03		$1.07		$0.92		$0.68		$1.20		$1.03		$1.00		—		—
Accumulation unit value at end of period		$1.54		$1.19		$1.03		$1.07		$0.92		$0.68		$1.20		$1.03		—		—
Number of accumulation units outstanding at end of period (000 omitted)		116,341		135,683		162,922		192,769		269,589		398,515		294,643		244,121		—		—

Fidelity^® VIP Growth & Income Portfolio Service Class (09/15/1999)
Accumulation unit value at beginning of period		$1.26		$1.07		$1.06		$0.93		$0.74		$1.28		$1.15		$1.03		$0.96		$0.92
Accumulation unit value at end of period		$1.67		$1.26		$1.07		$1.06		$0.93		$0.74		$1.28		$1.15		$1.03		$0.96
Number of accumulation units outstanding at end of period (000 omitted)		19,829		23,385		28,379		37,384		48,395		58,690		78,090		92,368		107,380		122,387

Fidelity^® VIP Mid Cap Portfolio Service Class (09/15/1999)
Accumulation unit value at beginning of period		$3.89		$3.41		$3.85		$3.02		$2.17		$3.61		$3.15		$2.82		$2.41		$1.94
Accumulation unit value at end of period		$5.25		$3.89		$3.41		$3.85		$3.02		$2.17		$3.61		$3.15		$2.82		$2.41
Number of accumulation units outstanding at end of period (000 omitted)		13,332		15,673		20,066		27,026		35,956		44,234		56,323		67,426		72,759		73,206

Fidelity^® VIP Overseas Portfolio Service Class (09/15/1999)
Accumulation unit value at beginning of period		$1.21		$1.01		$1.23		$1.10		$0.87		$1.57		$1.35		$1.15		$0.97		$0.86
Accumulation unit value at end of period		$1.56		$1.21		$1.01		$1.23		$1.10		$0.87		$1.57		$1.35		$1.15		$0.97
Number of accumulation units outstanding at end of period (000 omitted)		7,619		8,802		11,310		15,374		20,415		25,280		33,656		38,789		40,988		42,151

Fidelity^® VIP Strategic Income Portfolio Service Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		4,174		—		—		—		—		—		—		—		—		—

58 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 0.75% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


FTVIPT Franklin Global Real Estate VIP Fund – Class 2 (09/15/1999)
Accumulation unit value at beginning of period		$2.44		$1.93		$2.06		$1.71		$1.45		$2.53		$3.23		$2.70		$2.39		$1.83
Accumulation unit value at end of period		$2.47		$2.44		$1.93		$2.06		$1.71		$1.45		$2.53		$3.23		$2.70		$2.39
Number of accumulation units outstanding at end of period (000 omitted)		28,482		31,720		36,714		42,372		50,767		62,873		93,100		128,540		139,618		120,456

FTVIPT Franklin Income VIP Fund – Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.07		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		4,290		—		—		—		—		—		—		—		—		—

FTVIPT Franklin Small Cap Value VIP Fund – Class 2 (09/15/1999)
Accumulation unit value at beginning of period		$2.89		$2.46		$2.58		$2.02		$1.58		$2.38		$2.45		$2.11		$1.96		$1.59
Accumulation unit value at end of period		$3.91		$2.89		$2.46		$2.58		$2.02		$1.58		$2.38		$2.45		$2.11		$1.96
Number of accumulation units outstanding at end of period (000 omitted)		19,202		22,727		28,384		34,971		42,025		52,033		66,946		78,886		78,073		59,293

FTVIPT Templeton Global Bond VIP Fund – Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		5,646		—		—		—		—		—		—		—		—		—

Goldman Sachs VIT Mid Cap Value Fund – Institutional Shares (09/15/1999)
Accumulation unit value at beginning of period		$3.06		$2.60		$2.80		$2.26		$1.71		$2.73		$2.67		$2.31		$2.07		$1.65
Accumulation unit value at end of period		$4.04		$3.06		$2.60		$2.80		$2.26		$1.71		$2.73		$2.67		$2.31		$2.07
Number of accumulation units outstanding at end of period (000 omitted)		35,669		42,578		52,628		64,121		78,043		97,291		139,637		163,687		174,918		115,616

Goldman Sachs VIT Small Cap Equity Insights Fund – Institutional Shares (09/15/1999)
Accumulation unit value at beginning of period		$1.95		$1.74		$1.75		$1.35		$1.07		$1.63		$1.97		$1.76		$1.68		$1.45
Accumulation unit value at end of period		$2.63		$1.95		$1.74		$1.75		$1.35		$1.07		$1.63		$1.97		$1.76		$1.68
Number of accumulation units outstanding at end of period (000 omitted)		1,852		1,993		2,476		3,153		3,757		4,574		6,389		8,977		10,823		12,173

Goldman Sachs VIT U.S. Equity Insights Fund – Institutional Shares (09/15/1999)
Accumulation unit value at beginning of period		$1.12		$0.99		$0.96		$0.85		$0.71		$1.14		$1.16		$1.04		$0.98		$0.86
Accumulation unit value at end of period		$1.53		$1.12		$0.99		$0.96		$0.85		$0.71		$1.14		$1.16		$1.04		$0.98
Number of accumulation units outstanding at end of period (000 omitted)		52,166		61,881		73,864		90,486		108,298		131,282		187,585		231,223		248,935		128,074

Invesco V.I. American Franchise Fund, Series I Shares (04/27/2012)
Accumulation unit value at beginning of period		$0.97		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.35		$0.97		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		7,021		8,151		—		—		—		—		—		—		—		—

Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		3,989		—		—		—		—		—		—		—		—		—

Invesco V.I. Comstock Fund, Series II Shares (02/04/2004)
Accumulation unit value at beginning of period		$1.42		$1.20		$1.24		$1.08		$0.85		$1.33		$1.37		$1.19		$1.15		$1.00
Accumulation unit value at end of period		$1.91		$1.42		$1.20		$1.24		$1.08		$0.85		$1.33		$1.37		$1.19		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		58,839		71,034		86,061		100,324		178,986		227,595		224,730		258,223		203,272		36,974

Invesco V.I. Global Health Care Fund, Series II Shares (05/01/2006)
Accumulation unit value at beginning of period		$1.30		$1.09		$1.06		$1.01		$0.80		$1.13		$1.02		$1.00		—		—
Accumulation unit value at end of period		$1.81		$1.30		$1.09		$1.06		$1.01		$0.80		$1.13		$1.02		—		—
Number of accumulation units outstanding at end of period (000 omitted)		8,251		7,227		7,312		7,456		8,089		8,014		5,881		33,923		—		—

Invesco V.I. International Growth Fund, Series II Shares (11/01/2005)
Accumulation unit value at beginning of period		$1.47		$1.28		$1.39		$1.24		$0.93		$1.57		$1.39		$1.09		$1.00		—
Accumulation unit value at end of period		$1.73		$1.47		$1.28		$1.39		$1.24		$0.93		$1.57		$1.39		$1.09		—
Number of accumulation units outstanding at end of period (000 omitted)		22,446		25,580		30,304		36,189		128,526		99,290		48,018		1,744		127		—

Invesco V.I. Mid Cap Growth Fund, Series I Shares (04/27/2012)
Accumulation unit value at beginning of period		$0.98		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.33		$0.98		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		7,534		8,633		—		—		—		—		—		—		—		—

Ivy Funds VIP Asset Strategy (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.20		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		5,619		—		—		—		—		—		—		—		—		—

Janus Aspen Series Enterprise Portfolio: Service Shares (05/01/2000)
Accumulation unit value at beginning of period		$0.82		$0.71		$0.72		$0.58		$0.41		$0.73		$0.60		$0.54		$0.48		$0.40
Accumulation unit value at end of period		$1.08		$0.82		$0.71		$0.72		$0.58		$0.41		$0.73		$0.60		$0.54		$0.48
Number of accumulation units outstanding at end of period (000 omitted)		9,787		11,184		13,345		16,104		19,522		23,257		27,632		29,699		34,555		40,872

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS 59


Variable account charges of 0.75% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Janus Aspen Series Flexible Bond Portfolio: Service Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		2,585		—		—		—		—		—		—		—		—		—

Janus Aspen Series Global Allocation Portfolio – Moderate: Service Shares (04/30/2012)
Accumulation unit value at beginning of period		$1.04		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.18		$1.04		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		2,094		252		—		—		—		—		—		—		—		—

Janus Aspen Series Global Technology Portfolio: Service Shares (05/01/2000)
Accumulation unit value at beginning of period		$0.59		$0.50		$0.55		$0.45		$0.29		$0.52		$0.43		$0.40		$0.36		$0.36
Accumulation unit value at end of period		$0.80		$0.59		$0.50		$0.55		$0.45		$0.29		$0.52		$0.43		$0.40		$0.36
Number of accumulation units outstanding at end of period (000 omitted)		15,146		17,509		21,201		27,036		27,957		23,828		28,860		30,606		32,606		37,258

Janus Aspen Series Janus Portfolio: Service Shares (05/01/2007)
Accumulation unit value at beginning of period		$1.07		$0.91		$0.97		$0.85		$0.63		$1.06		$1.00		—		—		—
Accumulation unit value at end of period		$1.38		$1.07		$0.91		$0.97		$0.85		$0.63		$1.06		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		13,621		17,837		22,462		31,752		305,123		238,472		154,650		—		—		—

Janus Aspen Series Overseas Portfolio: Service Shares (05/01/2000)
Accumulation unit value at beginning of period		$1.35		$1.20		$1.78		$1.44		$0.81		$1.71		$1.34		$0.92		$0.70		$0.60
Accumulation unit value at end of period		$1.53		$1.35		$1.20		$1.78		$1.44		$0.81		$1.71		$1.34		$0.92		$0.70
Number of accumulation units outstanding at end of period (000 omitted)		20,940		28,307		40,311		55,565		61,696		69,375		80,158		77,239		72,832		75,760

Lazard Retirement Global Dynamic Multi Asset Portfolio – Service Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.12		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		847		—		—		—		—		—		—		—		—		—

MFS^® Investors Growth Stock Series – Service Class (05/01/2000)
Accumulation unit value at beginning of period		$0.86		$0.74		$0.74		$0.67		$0.48		$0.77		$0.70		$0.66		$0.64		$0.59
Accumulation unit value at end of period		$1.11		$0.86		$0.74		$0.74		$0.67		$0.48		$0.77		$0.70		$0.66		$0.64
Number of accumulation units outstanding at end of period (000 omitted)		34,702		39,849		47,281		57,389		67,421		63,755		80,158		100,533		117,493		108,239

MFS^® New Discovery Series – Service Class (05/01/2000)
Accumulation unit value at beginning of period		$1.41		$1.17		$1.32		$0.98		$0.61		$1.01		$0.99		$0.89		$0.85		$0.81
Accumulation unit value at end of period		$1.97		$1.41		$1.17		$1.32		$0.98		$0.61		$1.01		$0.99		$0.89		$0.85
Number of accumulation units outstanding at end of period (000 omitted)		17,289		20,047		25,583		25,934		28,887		32,039		42,261		51,188		62,995		77,406

MFS^® Utilities Series – Service Class (08/13/2001)
Accumulation unit value at beginning of period		$2.45		$2.18		$2.07		$1.83		$1.39		$2.25		$1.78		$1.37		$1.18		$0.92
Accumulation unit value at end of period		$2.93		$2.45		$2.18		$2.07		$1.83		$1.39		$2.25		$1.78		$1.37		$1.18
Number of accumulation units outstanding at end of period (000 omitted)		32,640		38,539		46,187		47,357		56,324		67,989		78,212		71,164		55,870		28,362

Morgan Stanley UIF Global Real Estate Portfolio, Class II Shares (05/01/2006)
Accumulation unit value at beginning of period		$1.20		$0.93		$1.05		$0.86		$0.61		$1.11		$1.23		$1.00		—		—
Accumulation unit value at end of period		$1.23		$1.20		$0.93		$1.05		$0.86		$0.61		$1.11		$1.23		—		—
Number of accumulation units outstanding at end of period (000 omitted)		17,893		19,518		22,051		25,144		67,174		88,969		51,109		51,499		—		—

Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares (05/01/2006)
Accumulation unit value at beginning of period		$1.29		$1.20		$1.30		$0.99		$0.64		$1.20		$0.99		$1.00		—		—
Accumulation unit value at end of period		$1.76		$1.29		$1.20		$1.30		$0.99		$0.64		$1.20		$0.99		—		—
Number of accumulation units outstanding at end of period (000 omitted)		8,493		11,635		18,214		17,947		18,479		17,546		14,940		37,273		—		—

Neuberger Berman Advisers Management Trust International Equity Portfolio (Class S) (05/01/2006)
Accumulation unit value at beginning of period		$0.94		$0.80		$0.92		$0.76		$0.57		$1.07		$1.04		$1.00		—		—
Accumulation unit value at end of period		$1.10		$0.94		$0.80		$0.92		$0.76		$0.57		$1.07		$1.04		—		—
Number of accumulation units outstanding at end of period (000 omitted)		6,179		6,765		8,478		9,073		75,726		78,811		64,614		57,067		—		—

Oppenheimer Global Fund/VA, Service Shares (02/04/2004)
Accumulation unit value at beginning of period		$1.64		$1.37		$1.51		$1.31		$0.95		$1.60		$1.52		$1.31		$1.16		$1.00
Accumulation unit value at end of period		$2.07		$1.64		$1.37		$1.51		$1.31		$0.95		$1.60		$1.52		$1.31		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		19,743		21,566		26,339		29,183		31,543		36,705		48,173		51,514		33,811		11,540

Oppenheimer Global Strategic Income Fund/VA, Service Shares (02/04/2004)
Accumulation unit value at beginning of period		$1.60		$1.43		$1.43		$1.25		$1.07		$1.26		$1.16		$1.09		$1.07		$1.00
Accumulation unit value at end of period		$1.58		$1.60		$1.43		$1.43		$1.25		$1.07		$1.26		$1.16		$1.09		$1.07
Number of accumulation units outstanding at end of period (000 omitted)		148,191		194,916		225,204		265,863		519,119		569,070		536,032		339,587		150,945		22,945

Oppenheimer Main Street Small Cap Fund^®/VA, Service Shares (02/04/2004)
Accumulation unit value at beginning of period		$1.62		$1.38		$1.43		$1.17		$0.86		$1.40		$1.43		$1.26		$1.15		$1.00
Accumulation unit value at end of period		$2.25		$1.62		$1.38		$1.43		$1.17		$0.86		$1.40		$1.43		$1.26		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		12,453		13,918		16,342		19,999		23,658		27,205		34,265		34,462		18,592		7,652

60 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 0.75% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


PIMCO VIT All Asset Portfolio, Advisor Class (05/01/2006)
Accumulation unit value at beginning of period		$1.46		$1.28		$1.26		$1.13		$0.93		$1.12		$1.04		$1.00		—		—
Accumulation unit value at end of period		$1.45		$1.46		$1.28		$1.26		$1.13		$0.93		$1.12		$1.04		—		—
Number of accumulation units outstanding at end of period (000 omitted)		48,561		69,811		69,382		75,522		218,702		228,912		161,214		154,199		—		—

PIMCO VIT Global Multi-Asset Managed Allocation Portfolio, Advisor Class (04/30/2012)
Accumulation unit value at beginning of period		$1.03		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.94		$1.03		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,413		863		—		—		—		—		—		—		—		—

PIMCO VIT Total Return Portfolio, Advisor Class (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.96		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,912		—		—		—		—		—		—		—		—		—

Putnam VT Multi-Cap Growth Fund – Class IB Shares (09/24/2010)
Accumulation unit value at beginning of period		$1.23		$1.07		$1.13		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.67		$1.23		$1.07		$1.13		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		10,340		11,916		14,126		17,030		—		—		—		—		—		—

Royce Capital Fund – Micro-Cap Portfolio, Investment Class (09/15/1999)
Accumulation unit value at beginning of period		$3.68		$3.45		$3.95		$3.07		$1.95		$3.47		$3.36		$2.80		$2.53		$2.24
Accumulation unit value at end of period		$4.42		$3.68		$3.45		$3.95		$3.07		$1.95		$3.47		$3.36		$2.80		$2.53
Number of accumulation units outstanding at end of period (000 omitted)		3,723		4,560		6,206		8,319		10,284		12,388		16,842		20,156		22,799		26,803

Third Avenue Value Portfolio (09/21/1999)
Accumulation unit value at beginning of period		$2.83		$2.24		$2.86		$2.53		$1.75		$3.14		$3.32		$2.89		$2.54		$2.13
Accumulation unit value at end of period		$3.34		$2.83		$2.24		$2.86		$2.53		$1.75		$3.14		$3.32		$2.89		$2.54
Number of accumulation units outstanding at end of period (000 omitted)		4,460		5,377		7,101		9,979		12,740		16,209		23,692		28,765		31,916		32,334

Van Eck VIP Global Gold Fund (Class S Shares) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.77		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,091		—		—		—		—		—		—		—		—		—

Variable Portfolio – Aggressive Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.22		$1.08		$1.12		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.46		$1.22		$1.08		$1.12		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		68,358		59,074		57,559		22,643		—		—		—		—		—		—

Variable Portfolio – Aggressive Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.22		$1.08		$1.12		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.46		$1.22		$1.08		$1.12		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		183,069		213,296		258,558		287,015		—		—		—		—		—		—

Variable Portfolio – AQR Managed Futures Strategy Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.03		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		2,181		—		—		—		—		—		—		—		—		—

Variable Portfolio – BlackRock Global Inflation-Protected Securities Fund (Class 3) (09/13/2004)
Accumulation unit value at beginning of period		$1.41		$1.34		$1.23		$1.19		$1.12		$1.13		$1.05		$1.05		$1.03		$1.00
Accumulation unit value at end of period		$1.32		$1.41		$1.34		$1.23		$1.19		$1.12		$1.13		$1.05		$1.05		$1.03
Number of accumulation units outstanding at end of period (000 omitted)		51,052		72,377		82,435		92,837		302,524		171,393		147,400		161,490		91,038		2,274

Variable Portfolio – Conservative Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.14		$1.07		$1.05		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.17		$1.14		$1.07		$1.05		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		66,474		103,582		81,730		19,114		—		—		—		—		—		—

Variable Portfolio – Conservative Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.14		$1.07		$1.05		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.17		$1.14		$1.07		$1.05		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		116,673		217,500		212,474		171,495		—		—		—		—		—		—

Variable Portfolio – Goldman Sachs Commodity Strategy Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.92		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		359		—		—		—		—		—		—		—		—		—

Variable Portfolio – Moderate Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.20		$1.09		$1.10		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.33		$1.20		$1.09		$1.10		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		402,208		377,699		318,883		150,412		—		—		—		—		—		—

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS 61


Variable account charges of 0.75% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Variable Portfolio – Moderate Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.20		$1.09		$1.10		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.33		$1.20		$1.09		$1.10		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,191,618		1,322,146		1,448,513		1,625,658		—		—		—		—		—		—

Variable Portfolio – Moderately Aggressive Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.21		$1.09		$1.11		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.40		$1.21		$1.09		$1.11		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		232,062		196,988		181,157		85,099		—		—		—		—		—		—

Variable Portfolio – Moderately Aggressive Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.22		$1.09		$1.11		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.40		$1.22		$1.09		$1.11		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		710,239		837,813		998,828		1,122,490		—		—		—		—		—		—

Variable Portfolio – Moderately Conservative Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.17		$1.08		$1.07		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.24		$1.17		$1.08		$1.07		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		154,600		197,629		149,512		53,054		—		—		—		—		—		—

Variable Portfolio – Moderately Conservative Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.17		$1.08		$1.07		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.25		$1.17		$1.08		$1.07		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		329,684		449,177		439,108		454,692		—		—		—		—		—		—

Variable Portfolio – Partners Small Cap Value Fund (Class 3) (08/14/2001)
Accumulation unit value at beginning of period		$2.19		$1.94		$2.05		$1.66		$1.22		$1.80		$1.91		$1.60		$1.52		$1.28
Accumulation unit value at end of period		$2.93		$2.19		$1.94		$2.05		$1.66		$1.22		$1.80		$1.91		$1.60		$1.52
Number of accumulation units outstanding at end of period (000 omitted)		25,397		31,851		39,424		48,893		149,191		156,845		148,793		126,637		127,559		90,541

Variable Portfolio – Pyrford International Equity Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.05		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		128		—		—		—		—		—		—		—		—		—

Variable Portfolio – Sit Dividend Growth Fund (Class 3) (05/01/2006)
Accumulation unit value at beginning of period		$1.03		$0.94		$0.98		$0.89		$0.68		$1.12		$1.09		$1.00		—		—
Accumulation unit value at end of period		$1.32		$1.03		$0.94		$0.98		$0.89		$0.68		$1.12		$1.09		—		—
Number of accumulation units outstanding at end of period (000 omitted)		12,078		13,840		18,111		24,428		303,537		183,635		117,605		123,150		—		—

Variable Portfolio – Victory Established Value Fund (Class 3) (02/04/2004)
Accumulation unit value at beginning of period		$1.51		$1.30		$1.40		$1.16		$0.85		$1.36		$1.29		$1.12		$1.12		$1.00
Accumulation unit value at end of period		$2.03		$1.51		$1.30		$1.40		$1.16		$0.85		$1.36		$1.29		$1.12		$1.12
Number of accumulation units outstanding at end of period (000 omitted)		3,576		3,731		4,276		4,535		5,203		6,409		9,188		9,786		10,247		4,730

Wanger International (09/15/1999)
Accumulation unit value at beginning of period		$2.67		$2.21		$2.61		$2.11		$1.42		$2.62		$2.27		$1.67		$1.38		$1.07
Accumulation unit value at end of period		$3.24		$2.67		$2.21		$2.61		$2.11		$1.42		$2.62		$2.27		$1.67		$1.38
Number of accumulation units outstanding at end of period (000 omitted)		46,513		53,436		66,511		80,435		131,326		142,736		164,570		186,862		170,230		104,567

Wanger USA (09/15/1999)
Accumulation unit value at beginning of period		$2.33		$1.96		$2.05		$1.67		$1.18		$1.98		$1.89		$1.77		$1.60		$1.36
Accumulation unit value at end of period		$3.10		$2.33		$1.96		$2.05		$1.67		$1.18		$1.98		$1.89		$1.77		$1.60
Number of accumulation units outstanding at end of period (000 omitted)		59,078		69,932		84,309		102,578		155,213		176,483		212,646		235,960		241,623		184,961

Wells Fargo Advantage VT Index Asset Allocation Fund – Class 2 (05/01/2001)
Accumulation unit value at beginning of period		$1.47		$1.31		$1.24		$1.10		$0.96		$1.37		$1.28		$1.15		$1.10		$1.02
Accumulation unit value at end of period		$1.74		$1.47		$1.31		$1.24		$1.10		$0.96		$1.37		$1.28		$1.15		$1.10
Number of accumulation units outstanding at end of period (000 omitted)		8,990		10,621		12,268		15,176		19,120		25,423		37,314		40,046		43,629		41,656

Wells Fargo Advantage VT International Equity Fund – Class 2 (02/04/2004)
Accumulation unit value at beginning of period		$1.37		$1.21		$1.41		$1.22		$1.06		$1.83		$1.61		$1.32		$1.15		$1.00
Accumulation unit value at end of period		$1.62		$1.37		$1.21		$1.41		$1.22		$1.06		$1.83		$1.61		$1.32		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		11,282		13,374		16,786		20,616		113,414		12,645		16,521		19,055		15,273		4,245

Wells Fargo Advantage VT Small Cap Growth Fund – Class 2 (05/01/2001)
Accumulation unit value at beginning of period		$1.50		$1.40		$1.48		$1.18		$0.78		$1.34		$1.18		$0.97		$0.92		$0.81
Accumulation unit value at end of period		$2.24		$1.50		$1.40		$1.48		$1.18		$0.78		$1.34		$1.18		$0.97		$0.92
Number of accumulation units outstanding at end of period (000 omitted)		12,946		15,400		20,502		28,351		31,042		29,488		35,670		25,726		19,618		22,185

Western Asset Variable Global High Yield Bond Portfolio – Class II (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.02		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		811		—		—		—		—		—		—		—		—		—

62 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 0.95% of the daily net assets of the variable account.
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


AllianceBernstein VPS Dynamic Asset Allocation Portfolio (Class B) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.07		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		791		—		—		—		—		—		—		—		—		—

AllianceBernstein VPS Global Thematic Growth Portfolio (Class B) (11/01/2005)
Accumulation unit value at beginning of period		$1.07		$0.95		$1.25		$1.07		$0.70		$1.35		$1.14		$1.06		$1.00		—
Accumulation unit value at end of period		$1.30		$1.07		$0.95		$1.25		$1.07		$0.70		$1.35		$1.14		$1.06		—
Number of accumulation units outstanding at end of period (000 omitted)		1,106		1,313		1,642		2,571		3,654		2,593		2,415		5,609		801		—

AllianceBernstein VPS Growth and Income Portfolio (Class B) (08/13/2001)
Accumulation unit value at beginning of period		$1.27		$1.10		$1.04		$0.93		$0.78		$1.34		$1.29		$1.11		$1.07		$0.97
Accumulation unit value at end of period		$1.70		$1.27		$1.10		$1.04		$0.93		$0.78		$1.34		$1.29		$1.11		$1.07
Number of accumulation units outstanding at end of period (000 omitted)		20,041		23,312		28,840		33,656		41,871		53,105		74,246		84,552		91,924		75,935

AllianceBernstein VPS International Value Portfolio (Class B) (08/13/2001)
Accumulation unit value at beginning of period		$1.50		$1.32		$1.66		$1.61		$1.21		$2.61		$2.49		$1.86		$1.61		$1.31
Accumulation unit value at end of period		$1.82		$1.50		$1.32		$1.66		$1.61		$1.21		$2.61		$2.49		$1.86		$1.61
Number of accumulation units outstanding at end of period (000 omitted)		31,753		38,807		49,799		63,534		93,058		122,930		135,634		127,479		94,909		44,705

ALPS/Alerian Energy Infrastructure Portfolio: Class III (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.06		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		3,655		—		—		—		—		—		—		—		—		—

American Century VP International, Class I (09/15/1999)
Accumulation unit value at beginning of period		$1.27		$1.06		$1.21		$1.08		$0.82		$1.49		$1.28		$1.03		$0.92		$0.81
Accumulation unit value at end of period		$1.54		$1.27		$1.06		$1.21		$1.08		$0.82		$1.49		$1.28		$1.03		$0.92
Number of accumulation units outstanding at end of period (000 omitted)		4,384		5,102		6,878		9,446		13,469		17,171		22,876		26,483		30,007		30,595

American Century VP Mid Cap Value, Class II (05/01/2007)
Accumulation unit value at beginning of period		$1.16		$1.00		$1.02		$0.87		$0.67		$0.90		$1.00		—		—		—
Accumulation unit value at end of period		$1.49		$1.16		$1.00		$1.02		$0.87		$0.67		$0.90		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		6,845		6,830		7,355		8,798		25,355		30,504		28,466		—		—		—

American Century VP Ultra^®, Class II (11/01/2005)
Accumulation unit value at beginning of period		$1.18		$1.05		$1.05		$0.91		$0.69		$1.19		$0.99		$1.04		$1.00		—
Accumulation unit value at end of period		$1.60		$1.18		$1.05		$1.05		$0.91		$0.69		$1.19		$0.99		$1.04		—
Number of accumulation units outstanding at end of period (000 omitted)		3,871		4,871		5,322		5,909		6,957		7,931		8,170		35,411		4,856		—

American Century VP Value, Class I (09/15/1999)
Accumulation unit value at beginning of period		$1.90		$1.67		$1.67		$1.49		$1.25		$1.73		$1.84		$1.57		$1.51		$1.33
Accumulation unit value at end of period		$2.48		$1.90		$1.67		$1.67		$1.49		$1.25		$1.73		$1.84		$1.57		$1.51
Number of accumulation units outstanding at end of period (000 omitted)		9,064		10,633		12,699		16,669		22,547		27,547		40,862		47,256		53,403		50,775

BlackRock Global Allocation V.I. Fund (Class III) (04/30/2012)
Accumulation unit value at beginning of period		$1.03		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.17		$1.03		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		11,699		3,226		—		—		—		—		—		—		—		—

Calvert VP SRI Balanced Portfolio (05/01/2000)
Accumulation unit value at beginning of period		$1.19		$1.09		$1.05		$0.95		$0.76		$1.12		$1.10		$1.02		$0.98		$0.91
Accumulation unit value at end of period		$1.39		$1.19		$1.09		$1.05		$0.95		$0.76		$1.12		$1.10		$1.02		$0.98
Number of accumulation units outstanding at end of period (000 omitted)		5,639		6,095		6,505		8,238		9,852		12,240		17,034		19,334		19,301		17,682

Columbia Variable Portfolio – Balanced Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$1.34		$1.18		$1.16		$1.04		$0.85		$1.22		$1.21		$1.07		$1.04		$0.96
Accumulation unit value at end of period		$1.61		$1.34		$1.18		$1.16		$1.04		$0.85		$1.22		$1.21		$1.07		$1.04
Number of accumulation units outstanding at end of period (000 omitted)		33,040		33,359		39,535		45,791		55,353		51,095		74,966		74,221		77,525		74,540

Columbia Variable Portfolio – Cash Management Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$1.16		$1.17		$1.18		$1.19		$1.20		$1.18		$1.14		$1.10		$1.08		$1.09
Accumulation unit value at end of period		$1.15		$1.16		$1.17		$1.18		$1.19		$1.20		$1.18		$1.14		$1.10		$1.08
Number of accumulation units outstanding at end of period (000 omitted)		50,331		61,799		82,185		92,405		140,419		290,095		247,870		211,744		147,452		148,915

Columbia Variable Portfolio – Commodity Strategy Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.93		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		150		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Contrarian Core Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.21		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		2,048		—		—		—		—		—		—		—		—		—

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS 63


Variable account charges of 0.95% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Columbia Variable Portfolio – Core Bond Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.95		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		428		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Diversified Bond Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$1.75		$1.64		$1.56		$1.45		$1.28		$1.38		$1.32		$1.28		$1.26		$1.22
Accumulation unit value at end of period		$1.69		$1.75		$1.64		$1.56		$1.45		$1.28		$1.38		$1.32		$1.28		$1.26
Number of accumulation units outstanding at end of period (000 omitted)		107,141		156,667		174,738		214,494		447,493		430,993		408,270		351,043		257,273		190,125

Columbia Variable Portfolio – Dividend Opportunity Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$1.75		$1.55		$1.65		$1.42		$1.13		$1.91		$1.79		$1.51		$1.34		$1.14
Accumulation unit value at end of period		$2.20		$1.75		$1.55		$1.65		$1.42		$1.13		$1.91		$1.79		$1.51		$1.34
Number of accumulation units outstanding at end of period (000 omitted)		87,069		99,992		126,113		156,962		307,581		329,220		363,274		383,460		278,737		181,318

Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.90		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,137		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Emerging Markets Fund (Class 3) (05/01/2000)
Accumulation unit value at beginning of period		$2.43		$2.03		$2.60		$2.19		$1.27		$2.77		$2.02		$1.53		$1.15		$0.94
Accumulation unit value at end of period		$2.36		$2.43		$2.03		$2.60		$2.19		$1.27		$2.77		$2.02		$1.53		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		18,677		22,279		27,455		33,567		47,289		61,879		50,491		51,867		44,244		16,315

Columbia Variable Portfolio – Global Bond Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$1.90		$1.81		$1.74		$1.65		$1.49		$1.51		$1.42		$1.34		$1.43		$1.31
Accumulation unit value at end of period		$1.74		$1.90		$1.81		$1.74		$1.65		$1.49		$1.51		$1.42		$1.34		$1.43
Number of accumulation units outstanding at end of period (000 omitted)		36,258		48,278		56,664		68,524		137,253		142,773		141,675		123,834		102,876		72,702

Columbia Variable Portfolio – High Yield Bond Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$2.09		$1.82		$1.74		$1.54		$1.01		$1.37		$1.35		$1.23		$1.20		$1.08
Accumulation unit value at end of period		$2.20		$2.09		$1.82		$1.74		$1.54		$1.01		$1.37		$1.35		$1.23		$1.20
Number of accumulation units outstanding at end of period (000 omitted)		55,214		64,192		73,576		89,489		111,734		125,862		186,775		221,767		237,711		236,566

Columbia Variable Portfolio – Income Opportunities Fund (Class 3) (09/13/2004)
Accumulation unit value at beginning of period		$1.76		$1.55		$1.47		$1.31		$0.93		$1.16		$1.14		$1.06		$1.04		$1.00
Accumulation unit value at end of period		$1.83		$1.76		$1.55		$1.47		$1.31		$0.93		$1.16		$1.14		$1.06		$1.04
Number of accumulation units outstanding at end of period (000 omitted)		24,731		32,890		34,819		39,448		141,698		76,770		65,977		61,812		18,068		783

Columbia Variable Portfolio – International Opportunity Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$1.05		$0.90		$1.04		$0.92		$0.73		$1.24		$1.11		$0.90		$0.80		$0.69
Accumulation unit value at end of period		$1.27		$1.05		$0.90		$1.04		$0.92		$0.73		$1.24		$1.11		$0.90		$0.80
Number of accumulation units outstanding at end of period (000 omitted)		14,336		16,902		21,875		27,645		35,421		42,730		58,762		64,541		61,793		40,351

Columbia Variable Portfolio – Large Cap Growth Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$0.73		$0.61		$0.64		$0.55		$0.41		$0.74		$0.72		$0.66		$0.61		$0.57
Accumulation unit value at end of period		$0.94		$0.73		$0.61		$0.64		$0.55		$0.41		$0.74		$0.72		$0.66		$0.61
Number of accumulation units outstanding at end of period (000 omitted)		44,063		51,318		60,544		72,817		90,930		116,110		186,447		216,237		212,229		135,373

Columbia Variable Portfolio – Large Core Quantitative Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$0.92		$0.82		$0.79		$0.68		$0.55		$0.96		$0.94		$0.82		$0.78		$0.75
Accumulation unit value at end of period		$1.22		$0.92		$0.82		$0.79		$0.68		$0.55		$0.96		$0.94		$0.82		$0.78
Number of accumulation units outstanding at end of period (000 omitted)		69,472		84,369		100,737		120,427		147,939		180,807		242,876		290,744		144,230		94,730

Columbia Variable Portfolio – Marsico Growth Fund (Class 1) (05/01/2006)
Accumulation unit value at beginning of period		$1.15		$1.04		$1.08		$0.89		$0.71		$1.19		$1.02		$1.00		—		—
Accumulation unit value at end of period		$1.55		$1.15		$1.04		$1.08		$0.89		$0.71		$1.19		$1.02		—		—
Number of accumulation units outstanding at end of period (000 omitted)		25,062		30,586		39,805		50,453		214,161		176,791		113,001		66,352		—		—

Columbia Variable Portfolio – Marsico International Opportunities Fund (Class 2) (05/01/2006)
Accumulation unit value at beginning of period		$0.96		$0.82		$0.99		$0.88		$0.65		$1.26		$1.07		$1.00		—		—
Accumulation unit value at end of period		$1.15		$0.96		$0.82		$0.99		$0.88		$0.65		$1.26		$1.07		—		—
Number of accumulation units outstanding at end of period (000 omitted)		8,266		9,260		12,277		16,307		20,723		26,849		22,702		32,712		—		—

Columbia Variable Portfolio – Mid Cap Growth Opportunity Fund (Class 3) (05/01/2001)
Accumulation unit value at beginning of period		$1.39		$1.26		$1.50		$1.20		$0.74		$1.35		$1.20		$1.22		$1.11		$1.03
Accumulation unit value at end of period		$1.80		$1.39		$1.26		$1.50		$1.20		$0.74		$1.35		$1.20		$1.22		$1.11
Number of accumulation units outstanding at end of period (000 omitted)		10,976		13,009		16,901		21,606		26,343		25,504		35,043		43,939		31,419		35,498

Columbia Variable Portfolio – Mid Cap Value Opportunity Fund (Class 3) (05/02/2005)
Accumulation unit value at beginning of period		$1.45		$1.24		$1.37		$1.13		$0.81		$1.48		$1.36		$1.19		$1.00		—
Accumulation unit value at end of period		$1.98		$1.45		$1.24		$1.37		$1.13		$0.81		$1.48		$1.36		$1.19		—
Number of accumulation units outstanding at end of period (000 omitted)		10,346		11,045		14,817		19,331		32,037		45,362		43,555		54,642		4,982		—

64 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 0.95% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Columbia Variable Portfolio – Multi-Strategy Alternatives Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.95		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		707		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – S&P 500 Index Fund (Class 3) (05/01/2000)
Accumulation unit value at beginning of period		$1.04		$0.91		$0.91		$0.80		$0.64		$1.03		$0.99		$0.86		$0.84		$0.77
Accumulation unit value at end of period		$1.36		$1.04		$0.91		$0.91		$0.80		$0.64		$1.03		$0.99		$0.86		$0.84
Number of accumulation units outstanding at end of period (000 omitted)		38,404		40,265		46,053		55,090		65,626		73,795		92,416		104,302		122,070		117,372

Columbia Variable Portfolio – Select Large-Cap Value Fund (Class 3) (02/04/2004)
Accumulation unit value at beginning of period		$1.35		$1.15		$1.18		$0.99		$0.79		$1.32		$1.34		$1.13		$1.09		$1.00
Accumulation unit value at end of period		$1.84		$1.35		$1.15		$1.18		$0.99		$0.79		$1.32		$1.34		$1.13		$1.09
Number of accumulation units outstanding at end of period (000 omitted)		6,539		4,932		6,465		6,063		3,736		2,900		4,152		4,707		3,594		2,030

Columbia Variable Portfolio – Select Smaller-Cap Value Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$1.85		$1.59		$1.75		$1.39		$1.01		$1.65		$1.74		$1.58		$1.52		$1.29
Accumulation unit value at end of period		$2.72		$1.85		$1.59		$1.75		$1.39		$1.01		$1.65		$1.74		$1.58		$1.52
Number of accumulation units outstanding at end of period (000 omitted)		7,407		8,170		10,076		12,744		15,189		18,734		28,329		38,372		46,718		51,057

Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$1.34		$1.33		$1.33		$1.30		$1.24		$1.29		$1.24		$1.20		$1.20		$1.20
Accumulation unit value at end of period		$1.30		$1.34		$1.33		$1.33		$1.30		$1.24		$1.29		$1.24		$1.20		$1.20
Number of accumulation units outstanding at end of period (000 omitted)		37,054		52,934		61,501		78,228		88,306		108,778		104,637		108,222		121,249		130,386

Credit Suisse Trust – Commodity Return Strategy Portfolio (05/01/2006)
Accumulation unit value at beginning of period		$0.85		$0.88		$1.01		$0.88		$0.74		$1.13		$0.97		$1.00		—		—
Accumulation unit value at end of period		$0.75		$0.85		$0.88		$1.01		$0.88		$0.74		$1.13		$0.97		—		—
Number of accumulation units outstanding at end of period (000 omitted)		17,008		21,622		25,966		26,305		26,662		22,011		12,631		26,224		—		—

DWS Alternative Asset Allocation VIP, Class B (04/30/2012)
Accumulation unit value at beginning of period		$1.00		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.00		$1.00		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		6,629		2,284		—		—		—		—		—		—		—		—

Eaton Vance VT Floating-Rate Income Fund (05/01/2006)
Accumulation unit value at beginning of period		$1.25		$1.17		$1.15		$1.07		$0.75		$1.04		$1.03		$1.00		—		—
Accumulation unit value at end of period		$1.28		$1.25		$1.17		$1.15		$1.07		$0.75		$1.04		$1.03		—		—
Number of accumulation units outstanding at end of period (000 omitted)		65,553		50,815		55,759		56,862		105,964		79,727		71,987		59,159		—		—

Fidelity^® VIP Contrafund^® Portfolio Service Class 2 (05/01/2006)
Accumulation unit value at beginning of period		$1.17		$1.02		$1.06		$0.91		$0.68		$1.20		$1.03		$1.00		—		—
Accumulation unit value at end of period		$1.52		$1.17		$1.02		$1.06		$0.91		$0.68		$1.20		$1.03		—		—
Number of accumulation units outstanding at end of period (000 omitted)		76,647		84,137		102,175		120,336		167,696		237,020		166,815		127,364		—		—

Fidelity^® VIP Growth & Income Portfolio Service Class (09/15/1999)
Accumulation unit value at beginning of period		$1.23		$1.05		$1.04		$0.91		$0.73		$1.26		$1.14		$1.01		$0.95		$0.91
Accumulation unit value at end of period		$1.62		$1.23		$1.05		$1.04		$0.91		$0.73		$1.26		$1.14		$1.01		$0.95
Number of accumulation units outstanding at end of period (000 omitted)		16,171		19,404		23,702		32,463		43,167		55,844		75,513		89,221		108,101		127,378

Fidelity^® VIP Mid Cap Portfolio Service Class (09/15/1999)
Accumulation unit value at beginning of period		$3.79		$3.33		$3.77		$2.95		$2.13		$3.56		$3.11		$2.79		$2.38		$1.93
Accumulation unit value at end of period		$5.10		$3.79		$3.33		$3.77		$2.95		$2.13		$3.56		$3.11		$2.79		$2.38
Number of accumulation units outstanding at end of period (000 omitted)		10,285		12,401		16,339		22,725		32,282		41,030		52,936		63,504		70,537		72,884

Fidelity^® VIP Overseas Portfolio Service Class (09/15/1999)
Accumulation unit value at beginning of period		$1.18		$0.98		$1.20		$1.07		$0.86		$1.54		$1.33		$1.14		$0.96		$0.86
Accumulation unit value at end of period		$1.52		$1.18		$0.98		$1.20		$1.07		$0.86		$1.54		$1.33		$1.14		$0.96
Number of accumulation units outstanding at end of period (000 omitted)		5,705		7,128		9,288		14,044		19,097		24,686		32,307		37,262		40,363		43,553

Fidelity^® VIP Strategic Income Portfolio Service Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		2,729		—		—		—		—		—		—		—		—		—

FTVIPT Franklin Global Real Estate VIP Fund – Class 2 (09/15/1999)
Accumulation unit value at beginning of period		$2.37		$1.88		$2.01		$1.68		$1.42		$2.49		$3.18		$2.66		$2.37		$1.81
Accumulation unit value at end of period		$2.40		$2.37		$1.88		$2.01		$1.68		$1.42		$2.49		$3.18		$2.66		$2.37
Number of accumulation units outstanding at end of period (000 omitted)		17,380		18,941		21,820		25,510		31,073		39,491		59,503		81,589		88,911		80,587

FTVIPT Franklin Income VIP Fund – Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.07		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		4,629		—		—		—		—		—		—		—		—		—

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS 65


Variable account charges of 0.95% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


FTVIPT Franklin Small Cap Value VIP Fund – Class 2 (09/15/1999)
Accumulation unit value at beginning of period		$2.82		$2.40		$2.52		$1.98		$1.55		$2.34		$2.42		$2.09		$1.94		$1.58
Accumulation unit value at end of period		$3.80		$2.82		$2.40		$2.52		$1.98		$1.55		$2.34		$2.42		$2.09		$1.94
Number of accumulation units outstanding at end of period (000 omitted)		12,772		14,443		18,246		22,799		28,730		36,256		46,935		55,078		55,521		44,541

FTVIPT Templeton Global Bond VIP Fund – Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		5,007		—		—		—		—		—		—		—		—		—

Goldman Sachs VIT Mid Cap Value Fund – Institutional Shares (09/15/1999)
Accumulation unit value at beginning of period		$2.98		$2.54		$2.74		$2.21		$1.68		$2.69		$2.63		$2.29		$2.05		$1.64
Accumulation unit value at end of period		$3.92		$2.98		$2.54		$2.74		$2.21		$1.68		$2.69		$2.63		$2.29		$2.05
Number of accumulation units outstanding at end of period (000 omitted)		22,012		26,253		33,368		41,459		51,883		65,990		96,413		112,452		117,932		84,473

Goldman Sachs VIT Small Cap Equity Insights Fund – Institutional Shares (09/15/1999)
Accumulation unit value at beginning of period		$1.90		$1.70		$1.71		$1.32		$1.05		$1.60		$1.94		$1.74		$1.66		$1.44
Accumulation unit value at end of period		$2.56		$1.90		$1.70		$1.71		$1.32		$1.05		$1.60		$1.94		$1.74		$1.66
Number of accumulation units outstanding at end of period (000 omitted)		1,370		1,617		2,042		3,152		3,988		5,064		7,429		9,981		12,490		14,537

Goldman Sachs VIT U.S. Equity Insights Fund – Institutional Shares (09/15/1999)
Accumulation unit value at beginning of period		$1.09		$0.96		$0.93		$0.84		$0.70		$1.12		$1.15		$1.02		$0.97		$0.85
Accumulation unit value at end of period		$1.49		$1.09		$0.96		$0.93		$0.84		$0.70		$1.12		$1.15		$1.02		$0.97
Number of accumulation units outstanding at end of period (000 omitted)		32,151		38,124		45,869		57,775		70,758		87,685		126,734		160,736		168,697		108,140

Invesco V.I. American Franchise Fund, Series I Shares (04/27/2012)
Accumulation unit value at beginning of period		$0.97		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.34		$0.97		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		4,650		5,741		—		—		—		—		—		—		—		—

Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		4,139		—		—		—		—		—		—		—		—		—

Invesco V.I. Comstock Fund, Series II Shares (02/04/2004)
Accumulation unit value at beginning of period		$1.39		$1.18		$1.22		$1.07		$0.84		$1.32		$1.36		$1.18		$1.15		$1.00
Accumulation unit value at end of period		$1.87		$1.39		$1.18		$1.22		$1.07		$0.84		$1.32		$1.36		$1.18		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		30,112		35,922		43,939		51,081		95,224		120,656		113,380		130,395		96,755		18,714

Invesco V.I. Global Health Care Fund, Series II Shares (05/01/2006)
Accumulation unit value at beginning of period		$1.28		$1.07		$1.05		$1.01		$0.80		$1.13		$1.02		$1.00		—		—
Accumulation unit value at end of period		$1.78		$1.28		$1.07		$1.05		$1.01		$0.80		$1.13		$1.02		—		—
Number of accumulation units outstanding at end of period (000 omitted)		5,335		4,583		4,633		4,675		5,414		5,240		3,964		15,226		—		—

Invesco V.I. International Growth Fund, Series II Shares (11/01/2005)
Accumulation unit value at beginning of period		$1.45		$1.27		$1.38		$1.23		$0.92		$1.57		$1.38		$1.09		$1.00		—
Accumulation unit value at end of period		$1.70		$1.45		$1.27		$1.38		$1.23		$0.92		$1.57		$1.38		$1.09		—
Number of accumulation units outstanding at end of period (000 omitted)		15,539		17,045		20,480		24,477		76,801		53,711		23,729		1,198		107		—

Invesco V.I. Mid Cap Growth Fund, Series I Shares (04/27/2012)
Accumulation unit value at beginning of period		$0.98		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.33		$0.98		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		5,337		6,385		—		—		—		—		—		—		—		—

Ivy Funds VIP Asset Strategy (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.20		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		5,339		—		—		—		—		—		—		—		—		—

Janus Aspen Series Enterprise Portfolio: Service Shares (05/01/2000)
Accumulation unit value at beginning of period		$0.80		$0.69		$0.71		$0.57		$0.40		$0.72		$0.59		$0.53		$0.48		$0.40
Accumulation unit value at end of period		$1.05		$0.80		$0.69		$0.71		$0.57		$0.40		$0.72		$0.59		$0.53		$0.48
Number of accumulation units outstanding at end of period (000 omitted)		4,877		5,538		6,760		9,504		12,181		15,191		18,083		20,670		24,803		30,043

Janus Aspen Series Flexible Bond Portfolio: Service Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,772		—		—		—		—		—		—		—		—		—

Janus Aspen Series Global Allocation Portfolio – Moderate: Service Shares (04/30/2012)
Accumulation unit value at beginning of period		$1.04		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.18		$1.04		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,944		60		—		—		—		—		—		—		—		—

66 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 0.95% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Janus Aspen Series Global Technology Portfolio: Service Shares (05/01/2000)
Accumulation unit value at beginning of period		$0.58		$0.49		$0.54		$0.44		$0.28		$0.51		$0.42		$0.40		$0.36		$0.36
Accumulation unit value at end of period		$0.78		$0.58		$0.49		$0.54		$0.44		$0.28		$0.51		$0.42		$0.40		$0.36
Number of accumulation units outstanding at end of period (000 omitted)		8,912		10,178		12,352		16,131		19,312		16,671		19,559		22,668		24,131		27,479

Janus Aspen Series Janus Portfolio: Service Shares (05/01/2007)
Accumulation unit value at beginning of period		$1.05		$0.90		$0.96		$0.85		$0.63		$1.06		$1.00		—		—		—
Accumulation unit value at end of period		$1.36		$1.05		$0.90		$0.96		$0.85		$0.63		$1.06		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		9,102		10,929		13,639		18,753		168,562		128,192		72,177		—		—		—

Janus Aspen Series Overseas Portfolio: Service Shares (05/01/2000)
Accumulation unit value at beginning of period		$1.31		$1.17		$1.75		$1.41		$0.80		$1.68		$1.33		$0.91		$0.70		$0.59
Accumulation unit value at end of period		$1.49		$1.31		$1.17		$1.75		$1.41		$0.80		$1.68		$1.33		$0.91		$0.70
Number of accumulation units outstanding at end of period (000 omitted)		15,967		20,796		28,873		39,710		46,612		54,116		64,174		61,879		59,325		61,390

Lazard Retirement Global Dynamic Multi Asset Portfolio – Service Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.12		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,416		—		—		—		—		—		—		—		—		—

MFS^® Investors Growth Stock Series – Service Class (05/01/2000)
Accumulation unit value at beginning of period		$0.84		$0.72		$0.73		$0.66		$0.48		$0.76		$0.69		$0.65		$0.63		$0.59
Accumulation unit value at end of period		$1.08		$0.84		$0.72		$0.73		$0.66		$0.48		$0.76		$0.69		$0.65		$0.63
Number of accumulation units outstanding at end of period (000 omitted)		22,333		26,339		29,974		35,505		44,235		44,360		58,819		73,300		84,506		78,223

MFS^® New Discovery Series – Service Class (05/01/2000)
Accumulation unit value at beginning of period		$1.37		$1.15		$1.29		$0.96		$0.60		$0.99		$0.98		$0.88		$0.84		$0.80
Accumulation unit value at end of period		$1.92		$1.37		$1.15		$1.29		$0.96		$0.60		$0.99		$0.98		$0.88		$0.84
Number of accumulation units outstanding at end of period (000 omitted)		12,730		14,561		18,476		17,906		20,432		22,831		31,915		38,120		48,503		60,214

MFS^® Utilities Series – Service Class (08/13/2001)
Accumulation unit value at beginning of period		$2.40		$2.14		$2.03		$1.80		$1.37		$2.22		$1.76		$1.36		$1.18		$0.91
Accumulation unit value at end of period		$2.86		$2.40		$2.14		$2.03		$1.80		$1.37		$2.22		$1.76		$1.36		$1.18
Number of accumulation units outstanding at end of period (000 omitted)		22,161		24,763		28,483		30,235		35,891		43,832		51,479		45,869		35,163		18,264

Morgan Stanley UIF Global Real Estate Portfolio, Class II Shares (05/01/2006)
Accumulation unit value at beginning of period		$1.19		$0.92		$1.04		$0.86		$0.61		$1.11		$1.22		$1.00		—		—
Accumulation unit value at end of period		$1.21		$1.19		$0.92		$1.04		$0.86		$0.61		$1.11		$1.22		—		—
Number of accumulation units outstanding at end of period (000 omitted)		11,018		11,521		13,857		16,073		38,794		50,326		29,814		27,318		—		—

Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares (05/01/2006)
Accumulation unit value at beginning of period		$1.28		$1.19		$1.29		$0.98		$0.63		$1.20		$0.99		$1.00		—		—
Accumulation unit value at end of period		$1.74		$1.28		$1.19		$1.29		$0.98		$0.63		$1.20		$0.99		—		—
Number of accumulation units outstanding at end of period (000 omitted)		6,523		7,547		11,091		11,306		12,049		11,266		9,199		17,529		—		—

Neuberger Berman Advisers Management Trust International Equity Portfolio (Class S) (05/01/2006)
Accumulation unit value at beginning of period		$0.93		$0.79		$0.91		$0.75		$0.57		$1.07		$1.04		$1.00		—		—
Accumulation unit value at end of period		$1.08		$0.93		$0.79		$0.91		$0.75		$0.57		$1.07		$1.04		—		—
Number of accumulation units outstanding at end of period (000 omitted)		3,805		3,744		4,654		5,093		40,525		41,079		30,611		26,517		—		—

Oppenheimer Global Fund/VA, Service Shares (02/04/2004)
Accumulation unit value at beginning of period		$1.62		$1.35		$1.49		$1.30		$0.94		$1.59		$1.51		$1.30		$1.15		$1.00
Accumulation unit value at end of period		$2.03		$1.62		$1.35		$1.49		$1.30		$0.94		$1.59		$1.51		$1.30		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		13,330		14,055		16,697		18,638		21,263		24,950		32,187		34,962		20,721		6,121

Oppenheimer Global Strategic Income Fund/VA, Service Shares (02/04/2004)
Accumulation unit value at beginning of period		$1.57		$1.40		$1.41		$1.24		$1.06		$1.25		$1.15		$1.08		$1.07		$1.00
Accumulation unit value at end of period		$1.55		$1.57		$1.40		$1.41		$1.24		$1.06		$1.25		$1.15		$1.08		$1.07
Number of accumulation units outstanding at end of period (000 omitted)		106,841		136,644		159,925		193,872		350,910		395,298		360,480		226,000		94,657		11,924

Oppenheimer Main Street Small Cap Fund^®/VA, Service Shares (02/04/2004)
Accumulation unit value at beginning of period		$1.59		$1.36		$1.41		$1.16		$0.85		$1.39		$1.42		$1.25		$1.15		$1.00
Accumulation unit value at end of period		$2.21		$1.59		$1.36		$1.41		$1.16		$0.85		$1.39		$1.42		$1.25		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		8,651		8,534		9,937		12,889		15,634		18,861		23,107		22,606		12,037		4,085

PIMCO VIT All Asset Portfolio, Advisor Class (05/01/2006)
Accumulation unit value at beginning of period		$1.44		$1.26		$1.25		$1.12		$0.93		$1.12		$1.04		$1.00		—		—
Accumulation unit value at end of period		$1.42		$1.44		$1.26		$1.25		$1.12		$0.93		$1.12		$1.04		—		—
Number of accumulation units outstanding at end of period (000 omitted)		40,275		51,223		49,462		49,921		127,629		131,661		82,318		76,067		—		—

PIMCO VIT Global Multi-Asset Managed Allocation Portfolio, Advisor Class (04/30/2012)
Accumulation unit value at beginning of period		$1.03		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.94		$1.03		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,373		1,076		—		—		—		—		—		—		—		—

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS 67


Variable account charges of 0.95% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


PIMCO VIT Total Return Portfolio, Advisor Class (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.96		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		2,683		—		—		—		—		—		—		—		—		—

Putnam VT Multi-Cap Growth Fund – Class IB Shares (09/24/2010)
Accumulation unit value at beginning of period		$1.23		$1.06		$1.13		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.66		$1.23		$1.06		$1.13		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		6,713		7,461		9,245		11,503		—		—		—		—		—		—

Royce Capital Fund – Micro-Cap Portfolio, Investment Class (09/15/1999)
Accumulation unit value at beginning of period		$3.59		$3.37		$3.87		$3.00		$1.92		$3.41		$3.32		$2.76		$2.50		$2.22
Accumulation unit value at end of period		$4.30		$3.59		$3.37		$3.87		$3.00		$1.92		$3.41		$3.32		$2.76		$2.50
Number of accumulation units outstanding at end of period (000 omitted)		3,219		4,108		5,376		7,434		9,775		11,919		16,534		20,055		22,867		27,132

Third Avenue Value Portfolio (09/21/1999)
Accumulation unit value at beginning of period		$2.75		$2.18		$2.80		$2.48		$1.72		$3.08		$3.27		$2.85		$2.51		$2.12
Accumulation unit value at end of period		$3.24		$2.75		$2.18		$2.80		$2.48		$1.72		$3.08		$3.27		$2.85		$2.51
Number of accumulation units outstanding at end of period (000 omitted)		4,084		4,999		6,239		8,717		12,094		15,600		23,616		28,313		32,580		33,905

Van Eck VIP Global Gold Fund (Class S Shares) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.77		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		856		—		—		—		—		—		—		—		—		—

Variable Portfolio – Aggressive Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.21		$1.08		$1.12		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.45		$1.21		$1.08		$1.12		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		205,762		177,549		153,074		45,018		—		—		—		—		—		—

Variable Portfolio – Aggressive Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.21		$1.08		$1.12		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.45		$1.21		$1.08		$1.12		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		80,004		87,969		109,521		123,203		—		—		—		—		—		—

Variable Portfolio – AQR Managed Futures Strategy Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.03		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,428		—		—		—		—		—		—		—		—		—

Variable Portfolio – BlackRock Global Inflation-Protected Securities Fund (Class 3) (09/13/2004)
Accumulation unit value at beginning of period		$1.38		$1.32		$1.21		$1.18		$1.11		$1.12		$1.05		$1.05		$1.03		$1.00
Accumulation unit value at end of period		$1.30		$1.38		$1.32		$1.21		$1.18		$1.11		$1.12		$1.05		$1.05		$1.03
Number of accumulation units outstanding at end of period (000 omitted)		33,722		48,160		54,821		63,669		192,220		113,444		88,734		95,224		51,906		1,504

Variable Portfolio – Conservative Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.14		$1.07		$1.05		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.16		$1.14		$1.07		$1.05		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		134,759		211,589		152,207		39,107		—		—		—		—		—		—

Variable Portfolio – Conservative Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.14		$1.07		$1.05		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.16		$1.14		$1.07		$1.05		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		91,676		146,041		137,636		129,583		—		—		—		—		—		—

Variable Portfolio – Goldman Sachs Commodity Strategy Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.92		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		408		—		—		—		—		—		—		—		—		—

Variable Portfolio – Moderate Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.19		$1.09		$1.09		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.32		$1.19		$1.09		$1.09		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,372,194		1,323,161		1,036,629		372,331		—		—		—		—		—		—

Variable Portfolio – Moderate Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.19		$1.09		$1.09		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.32		$1.19		$1.09		$1.09		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		704,894		756,580		839,441		951,448		—		—		—		—		—		—

Variable Portfolio – Moderately Aggressive Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.21		$1.09		$1.11		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.39		$1.21		$1.09		$1.11		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		755,350		671,792		586,675		199,756		—		—		—		—		—		—

68 RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 0.95% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Variable Portfolio – Moderately Aggressive Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.21		$1.09		$1.11		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.39		$1.21		$1.09		$1.11		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		336,824		380,336		451,744		514,222		—		—		—		—		—		—

Variable Portfolio – Moderately Conservative Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.16		$1.08		$1.07		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.23		$1.16		$1.08		$1.07		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		370,454		457,930		335,257		125,196		—		—		—		—		—		—

Variable Portfolio – Moderately Conservative Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.17		$1.08		$1.07		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.24		$1.17		$1.08		$1.07		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		235,162		314,235		323,133		335,424		—		—		—		—		—		—

Variable Portfolio – Partners Small Cap Value Fund (Class 3) (08/14/2001)
Accumulation unit value at beginning of period		$2.14		$1.90		$2.01		$1.63		$1.21		$1.78		$1.89		$1.59		$1.51		$1.27
Accumulation unit value at end of period		$2.86		$2.14		$1.90		$2.01		$1.63		$1.21		$1.78		$1.89		$1.59		$1.51
Number of accumulation units outstanding at end of period (000 omitted)		13,581		16,925		21,324		26,229		81,111		85,345		79,474		69,587		72,463		57,581

Variable Portfolio – Pyrford International Equity Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.05		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		90		—		—		—		—		—		—		—		—		—

Variable Portfolio – Sit Dividend Growth Fund (Class 3) (05/01/2006)
Accumulation unit value at beginning of period		$1.02		$0.93		$0.97		$0.88		$0.68		$1.11		$1.08		$1.00		—		—
Accumulation unit value at end of period		$1.30		$1.02		$0.93		$0.97		$0.88		$0.68		$1.11		$1.08		—		—
Number of accumulation units outstanding at end of period (000 omitted)		6,310		7,221		9,394		12,490		163,841		98,708		55,721		57,963		—		—

Variable Portfolio – Victory Established Value Fund (Class 3) (02/04/2004)
Accumulation unit value at beginning of period		$1.48		$1.28		$1.38		$1.14		$0.84		$1.34		$1.28		$1.12		$1.12		$1.00
Accumulation unit value at end of period		$1.99		$1.48		$1.28		$1.38		$1.14		$0.84		$1.34		$1.28		$1.12		$1.12
Number of accumulation units outstanding at end of period (000 omitted)		2,014		2,101		2,436		2,760		3,165		3,807		5,203		5,724		5,777		2,540

Wanger International (09/15/1999)
Accumulation unit value at beginning of period		$2.60		$2.16		$2.55		$2.06		$1.39		$2.58		$2.24		$1.65		$1.37		$1.06
Accumulation unit value at end of period		$3.15		$2.60		$2.16		$2.55		$2.06		$1.39		$2.58		$2.24		$1.65		$1.37
Number of accumulation units outstanding at end of period (000 omitted)		27,965		32,328		41,066		50,298		80,522		88,899		108,613		122,718		114,381		79,981

Wanger USA (09/15/1999)
Accumulation unit value at beginning of period		$2.27		$1.91		$2.00		$1.64		$1.16		$1.94		$1.86		$1.74		$1.58		$1.35
Accumulation unit value at end of period		$3.01		$2.27		$1.91		$2.00		$1.64		$1.16		$1.94		$1.86		$1.74		$1.58
Number of accumulation units outstanding at end of period (000 omitted)		36,897		43,824		54,608		67,604		100,879		117,299		145,262		164,257		169,886		140,320

Wells Fargo Advantage VT Index Asset Allocation Fund – Class 2 (05/01/2001)
Accumulation unit value at beginning of period		$1.43		$1.28		$1.21		$1.08		$0.95		$1.35		$1.26		$1.14		$1.09		$1.01
Accumulation unit value at end of period		$1.70		$1.43		$1.28		$1.21		$1.08		$0.95		$1.35		$1.26		$1.14		$1.09
Number of accumulation units outstanding at end of period (000 omitted)		6,211		7,204		8,819		11,303		15,303		19,992		28,981		29,215		32,466		31,201

Wells Fargo Advantage VT International Equity Fund – Class 2 (02/04/2004)
Accumulation unit value at beginning of period		$1.34		$1.20		$1.39		$1.20		$1.05		$1.82		$1.60		$1.31		$1.15		$1.00
Accumulation unit value at end of period		$1.59		$1.34		$1.20		$1.39		$1.20		$1.05		$1.82		$1.60		$1.31		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		7,648		9,560		12,050		15,532		69,836		8,283		11,475		12,674		9,815		2,086

Wells Fargo Advantage VT Small Cap Growth Fund – Class 2 (05/01/2001)
Accumulation unit value at beginning of period		$1.47		$1.37		$1.45		$1.16		$0.76		$1.32		$1.17		$0.96		$0.91		$0.81
Accumulation unit value at end of period		$2.18		$1.47		$1.37		$1.45		$1.16		$0.76		$1.32		$1.17		$0.96		$0.91
Number of accumulation units outstanding at end of period (000 omitted)		8,750		10,201		12,890		18,266		20,853		19,000		23,653		17,655		14,334		16,103

Western Asset Variable Global High Yield Bond Portfolio – Class II (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.01		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		770		—		—		—		—		—		—		—		—		—

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY — PROSPECTUS 69

Prospectus

May 1, 2014

RiverSource

Retirement Advisor Advantage^® Variable Annuity

RiverSource

Retirement Advisor Select^® Variable Annuity

INDIVIDUAL FLEXIBLE PREMIUM DEFERRED COMBINATION FIXED/VARIABLE ANNUITIES

New contracts are not currently being offered.


Issued by:	RiverSource Life Insurance Company (RiverSource Life)

70100 Ameriprise Financial Center

Minneapolis, MN 55474

Telephone: 1-800-862-7919

(Corporate Office)

ameriprise.com/variableannuities

RiverSource Variable Account 10

This prospectus contains information that you should know before investing in the RiverSource Retirement Advisor Advantage Variable Annuity (RAVA Advantage) or the RiverSource Retirement Advisor Select Variable Annuity (RAVA Select). Prospectuses are also available for:


•	AllianceBernstein Variable Products Series Fund, Inc.
•	ALPS Variable Investment Trust
•	American Century Variable Portfolios, Inc.
•	BlackRock Variable Series, Inc.
•	Calvert Variable Series, Inc.
•	Columbia Funds Variable Insurance Trust
•	Columbia Funds Variable Series Trust II
•	Credit Suisse Trust
•	DWS Variable Series II
•	Eaton Vance Variable Trust
•	Fidelity^® Variable Insurance Products – Service Class 2
•	Franklin^® Templeton^® Variable Insurance Products Trust (FTVIPT) – Class 2
•	Goldman Sachs Variable Insurance Trust (VIT)
•	Invesco Variable Insurance Funds
•	Ivy Funds Variable Insurance Portfolios
•	Janus Aspen Series: Service Shares
•	Lazard Retirement Series, Inc.
•	MFS^® Variable Insurance Trust^sm
•	Morgan Stanley Universal Institutional Funds (UIF)
•	Neuberger Berman Advisers Management Trust
•	Oppenheimer Variable Account Funds – Service Shares
•	PIMCO Variable Insurance Trust (VIT)
•	Putnam Variable Trust – Class IB Shares
•	Wanger Advisors Trust
•	Van Eck VIP Trust
•	Wells Fargo Variable Trust

Please read the prospectuses carefully and keep them for future reference.

The contracts provide for purchase payment credits which we may reverse under certain circumstances. Expenses and surrender charges from contracts with purchase payment credits may be higher than those for contracts without such credits. The amount of the credit may be more than offset by additional charges associated with the credit.

Variable annuities are insurance products that are complex investment vehicles. Be sure to ask your financial advisor about the variable annuities’ features, benefits, risks and fees, and whether the variable annuity is appropriate for you, based upon your financial situation and objectives.

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 1

Key Terms

These terms can help you understand details about your contract.

Accumulation unit: A measure of the value of each subaccount before annuity payouts begin.

Annuitant: The person or persons on whose life or life expectancy the annuity payouts are based.

Annuity payouts: An amount paid at regular intervals under one of several plans.

Beneficiary: The person you designate to receive benefits in case of the owner’s or annuitant’s death while the contract is in force.

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.

Contract value: The total value of your contract before we deduct any applicable charges.

Contract year: A period of 12 months, starting on the effective date of your contract and on each anniversary of the effective date.

Enhanced Earnings Death Benefit (EEB) and Enhanced Earnings Plus Death Benefit (EEP): These are optional benefits you can add to your contract for an additional charge. Each is intended to provide an additional benefit to your beneficiary to help offset expenses after your death such as funeral expenses or federal and state taxes. You can elect to purchase either the EEB or the EEP.

Fixed account: An account to which you may allocate purchase payments. Amounts you allocate to this account earn interest at rates that we declare periodically.

Purchase payment credits: An addition we make to your contract value. We base the amount of the credit on the surrender charge schedule you elect and/or total purchase payments.

Qualified annuity: A contract that you purchase to fund one of the following tax-deferred retirement plans that is subject to applicable federal law and any rules of the plan itself:


•	Individual Retirement Annuities (IRAs) including inherited IRAs under Section 408(b) of the Code

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 3


•	Roth IRAs under including inherited Roth IRAs Section 408A of the Code

•	SIMPLE IRAs under Section 408(p) of the Code

•	Simplified Employee Pension IRA (SEP) plans under Section 408(k) of the Code

•	Plans under Section 401(k) of the Code

•	Custodial and investment only accounts maintained for qualified retirement plans under Section 401(a) of the Code

•	Tax-Sheltered Annuities (TSAs) under Section 403(b) of the Code

A qualified annuity will not provide any necessary or additional tax deferral if it is used to fund a retirement plan that is already tax-deferred.

All other contracts are considered nonqualified annuities.

Rider: You receive a rider when you purchase the EEB, EEP and MAV. The rider adds the terms of the optional benefit to your contract.

Rider effective date: The date a rider becomes effective as stated in the rider.

RiverSource Life: In this prospectus, “we,” “us,” “our” and “RiverSource Life” refer to RiverSource Life Insurance Company.

Settlement date: The date when annuity payouts are scheduled to begin.

Surrender value: The amount you are entitled to receive if you make a full surrender from your contract. It is the contract value minus any applicable charges.

4 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS

The Contract in Brief

This prospectus describes two contracts. RAVA Advantage offers a choice of a seven-year or a ten-year surrender charge schedule and relatively lower expenses. RAVA Select offers a three-year surrender charge schedule and relatively higher expenses. The information in this prospectus applies to both contracts unless stated otherwise.

Purpose: The purpose of each contract is to allow you to accumulate money for retirement or a similar long-term goal. You do this by making one or more purchase payments. You may allocate your purchase payments to the fixed accounts and/or subaccounts under the contract; however, you risk losing amounts you invest in the subaccounts of the variable account. These accounts, in turn, may earn returns that increase the value of the contract. If the contract value goes to zero due to underlying fund’s performance or deduction of fees, the contract will no longer be in force and the contract (including any death benefit riders) will terminate. Beginning at a specified time in the future called the settlement date, the contract provides lifetime or other forms of payouts of your contract value (less any applicable premium tax).

It may not have been advantageous for you to purchase this contract in exchange for, or in addition to, an existing annuity or life insurance policy. Generally, you can exchange one annuity for another or for a long-term care policy in a “tax-free” exchange under Section 1035 of the Code. You also generally can exchange a life insurance policy for an annuity. However, before making an exchange, you should compare both contracts carefully because the features and benefits may be different. Fees and charges may be higher or lower on your old contract than on this contract. You may have to pay a surrender charge when you exchange out of your old contract and a new surrender charge period will begin when you exchange into this contract. If the exchange does not qualify for Section 1035 treatment, you also may have to pay federal income tax on the exchange. State income taxes may also apply. You should not exchange your old contract for this contract, or buy this contract in addition to your old contract, unless you determine it is in your best interest.

Accounts: Generally, you may allocate your purchase payments among any or all of:


•	the subaccounts of the variable account, each of which invests in a fund with a particular investment objective. The value of each subaccount varies with the performance of the particular fund in which it invests. We cannot guarantee that the value at the settlement date will equal or exceed the total purchase payments you allocate to the subaccounts. (see “The Variable Account and the Funds”)

•	the fixed account, which earns interest at a rate that we adjust periodically. Purchase payment allocations to the fixed account may be subject to special restrictions. (see “The Fixed Account”)

Buying your contract: We no longer offer new contracts. However, you have the option of making additional purchase payments in the future. (see “Buying Your Contract”)

Optional benefits: These contracts offer optional features that are available for additional charges if you meet certain criteria. (see “Optional Benefits”)

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 5

Expense Summary

CONTRACT OWNER TRANSACTION EXPENSES

Surrender charge for RAVA Advantage

(Contingent deferred sales load as a percentage of purchase payment surrendered)

You select either a seven-year or ten-year surrender charge schedule at the time of application.*


Seven-year schedule				Ten-year schedule*
Number of				Number of
completed years				completed years
from date of each	Surrender charge			from date of each	Surrender charge
purchase payment**	percentage			purchase payment**	percentage

0		7	%	0		8	%

1		7		1		8

2		7		2		8

3		6		3		7

4		5		4		7

5		4		5		6

6		2		6		5

7		0		7		4

				8		3

				9		2

				10		0


*		The ten-year surrender charge schedule is not available for contracts issued in Oregon. For contracts issued in Massachusetts, Oregon and Washington, surrender charges are waived after the tenth contract anniversary for all payments regardless of when payments are made.
**		According to our current administrative practice, for the purpose of surrender charge calculation, we consider that the year is completed fourteen days prior to the anniversary of the day each purchase payment was received.

Surrender charge for RAVA Select and Texas contracts issued prior to 11/7/2002

(Contingent deferred sales load as a percentage of purchase payment surrendered)


Years from	Surrender charge
contract date***	percentage

1		7	%

2		7

3		7

Thereafter		0

Surrender charge for RAVA Select in Texas contracts issued on or after 11/7/2002

(Contingent deferred sales load)


	Surrender charge percentage
	(as a percentage of purchase payments surrendered)
	in contract year
Payments made in contract year***	1			2			3			Thereafter

1		8	%		7	%		6	%		0	%

2					8			7			0

3								8			0

Thereafter											0


***		According to our current administrative practice, for the purpose of surrender charge calculation, we consider that the year is completed one day prior to the contract anniversary.

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 7

ANNUAL OPERATING EXPENSES OF THE FUNDS

The next two tables describe the operating expenses of the funds that you may pay periodically during the time that you own the contract. These operating expenses are for the fiscal year ended Dec. 31, 2013, unless otherwise noted. The first table shows the minimum and maximum total operating expenses charged by the funds. The second table shows the fees and expenses charged by each fund. More detail concerning each fund’s fees and expenses is contained in each fund’s prospectus.

Minimum and maximum total annual operating expenses for the funds^(a)

(Including management fee, distribution and/or service (12b-1) fees and other expenses)


	Minimum			Maximum


Total expenses before fee waivers and/or expense reimbursements		0.44	%		4.82	%


^(a)		Each fund deducts management fees and other expenses from fund assets. Fund assets include amounts you allocate to a particular fund. Funds may also charge 12b-1 fees that are used to finance any activity that is primarily intended to result in the sale of fund shares. Because 12b-1 fees are paid out of fund assets on an on-going basis, you may pay more if you select subaccounts investing in funds that have adopted 12b-1 plans than if you select subaccounts investing in funds that have not adopted 12b-1 plans. The fund or the fund’s affiliates may pay us or our affiliates for promoting and supporting the offer, sale and servicing of fund shares. In addition, the fund’s distributor and/or investment adviser, transfer agent or their affiliates may pay us or our affiliates for various services we or our affiliates provide. 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.

Total annual operating expenses for each fund underlying RAVA Advantage and RAVA Select*

(Before fee waivers and/or expense reimbursements, if applicable, as a percentage of average daily net assets)


				Distribution									Total
				and/or service						Acquired fund			annual
	Management			12b-1			Other			fees and			operating
Fund name**	fees			fees			expenses			expenses***			expenses


AllianceBernstein VPS Dynamic Asset Allocation Portfolio (Class B)		0.70	%		0.25	%		0.19	%		—	%		1.14	%⁽¹⁾


AllianceBernstein VPS Global Thematic Growth Portfolio (Class B)		0.75			0.25			0.23			—			1.23


AllianceBernstein VPS Growth and Income Portfolio (Class B)		0.55			0.25			0.05			—			0.85


AllianceBernstein VPS International Value Portfolio (Class B)		0.75			0.25			0.07			—			1.07


ALPS/Alerian Energy Infrastructure Portfolio: Class III		0.70			0.25			1.27			—			2.22	⁽²⁾


American Century VP International, Class II		1.26			0.25			0.01			—			1.52


American Century VP Mid Cap Value, Class II		0.90			0.25			0.01			—			1.16


American Century VP Ultra^®, Class II		0.90			0.25			0.01			—			1.16


American Century VP Value, Class II		0.87			0.25			—			—			1.12


BlackRock Global Allocation V.I. Fund (Class III)		0.62			0.25			0.24			—			1.11	⁽³⁾


Calvert VP SRI Balanced Portfolio		0.69			—			0.21			—			0.90


Columbia Variable Portfolio – Balanced Fund (Class 3)		0.64			0.13			0.16			—			0.93


Columbia Variable Portfolio – Cash Management Fund (Class 3)		0.33			0.13			0.15			—			0.61


Columbia Variable Portfolio – Commodity Strategy Fund (Class 2)		0.55			0.25			0.30			—			1.10


Columbia Variable Portfolio – Contrarian Core Fund (Class 2)		0.68			0.25			0.13			—			1.06


Columbia Variable Portfolio – Core Bond Fund (Class 2)		0.43			0.25			0.14			—			0.82


Columbia Variable Portfolio – Diversified Bond Fund (Class 3)		0.41			0.13			0.14			—			0.68


Columbia Variable Portfolio – Dividend Opportunity Fund (Class 3)		0.56			0.13			0.14			—			0.83


Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2)		0.53			0.25			0.16			—			0.94


Columbia Variable Portfolio – Emerging Markets Fund (Class 3)		1.07			0.13			0.23			—			1.43


Columbia Variable Portfolio – Global Bond Fund (Class 3)		0.56			0.13			0.17			—			0.86


Columbia Variable Portfolio – High Yield Bond Fund (Class 3)		0.58			0.13			0.18			—			0.89


Columbia Variable Portfolio – Income Opportunities Fund (Class 3)		0.57			0.13			0.15			—			0.85


Columbia Variable Portfolio – International Opportunity Fund (Class 3)		0.79			0.13			0.21			—			1.13


Columbia Variable Portfolio – Large Cap Growth Fund (Class 3)		0.68			0.13			0.13			—			0.94


Columbia Variable Portfolio – Large Core Quantitative Fund (Class 3)		0.64			0.13			0.15			—			0.92


Columbia Variable Portfolio – Limited Duration Credit Fund (Class 2)		0.46			0.25			0.13			—			0.84


Columbia Variable Portfolio – Marsico Growth Fund (Class 1)		0.71			—			0.17			—			0.88	^(4),(5)

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 9

Total annual operating expenses for each fund underlying RAVA Advantage and RAVA Select* (continued)

(Before fee waivers and/or expense reimbursements, if applicable, as a percentage of average daily net assets)


				Distribution									Total
				and/or service						Acquired fund			annual
	Management			12b-1			Other			fees and			operating
Fund name**	fees			fees			expenses			expenses***			expenses


Columbia Variable Portfolio – Marsico International Opportunities Fund (Class 2)		0.79	%		0.25	%		0.25	%		—	%		1.29	%^(4),(5)


Columbia Variable Portfolio – Mid Cap Growth Opportunity Fund (Class 3)		0.76			0.13			0.14			—			1.03


Columbia Variable Portfolio – Mid Cap Value Opportunity Fund (Class 3)		0.74			0.13			0.14			—			1.01


Columbia Variable Portfolio – Multi-Strategy Alternatives Fund (Class 2)**		1.02			0.25			0.23			—			1.50


Columbia Variable Portfolio – S&P 500 Index Fund (Class 3)		0.10			0.13			0.21			—			0.44


Columbia Variable Portfolio – Select Large-Cap Value Fund (Class 3)		0.70			0.13			0.13			—			0.96


Columbia Variable Portfolio – Select Smaller-Cap Value Fund (Class 3)		0.79			0.13			0.20			—			1.12


Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 3)		0.36			0.13			0.13			—			0.62


Credit Suisse Trust – Commodity Return Strategy Portfolio		0.50			0.25			0.58			—			1.33	⁽⁶⁾


DWS Alternative Asset Allocation VIP, Class B		0.36			0.25			0.32			1.23			2.16	⁽⁷⁾


Eaton Vance VT Floating-Rate Income Fund		0.58			0.50			0.08			—			1.16


Fidelity^® VIP Contrafund^® Portfolio Service Class 2		0.55			0.25			0.09			—			0.89


Fidelity^® VIP Growth & Income Portfolio Service Class 2		0.45			0.25			0.13			—			0.83


Fidelity^® VIP Mid Cap Portfolio Service Class 2		0.55			0.25			0.09			—			0.89


Fidelity^® VIP Overseas Portfolio Service Class 2		0.70			0.25			0.14			—			1.09


Fidelity^® VIP Strategic Income Portfolio Service Class 2		0.56			0.25			0.12			—			0.93


FTVIPT Franklin Global Real Estate VIP Fund – Class 2**		1.05			0.25			0.05			—			1.35	⁽⁸⁾


FTVIPT Franklin Income VIP Fund – Class 2**		0.45			0.25			0.02			—			0.72


FTVIPT Franklin Mutual Shares VIP Fund – Class 2**		0.60			0.25			0.11			—			0.96


FTVIPT Franklin Small Cap Value VIP Fund – Class 2**		0.50			0.25			0.13			—			0.88


FTVIPT Templeton Global Bond VIP Fund – Class 2**		0.46			0.25			0.05			—			0.76


Goldman Sachs VIT Mid Cap Value Fund – Institutional Shares		0.80			—			0.06			—			0.86	⁽⁹⁾


Goldman Sachs VIT Multi-Strategy Alternatives Portfolio – Advisor Shares		0.15			0.40			1.39			0.90			2.84	⁽¹⁰⁾


Goldman Sachs VIT U.S. Equity Insights Fund – Institutional Shares**		0.62			—			0.09			—			0.71


Invesco V.I. American Franchise Fund, Series II Shares		0.67			0.25			0.29			—			1.21


Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares		0.90			0.25			0.21			0.11			1.47	⁽¹¹⁾


Invesco V.I. Comstock Fund, Series II Shares		0.56			0.25			0.28			—			1.09	⁽¹²⁾


Invesco V.I. Diversified Dividend Fund, Series I Shares		0.50			—			0.22			0.01			0.73	⁽¹³⁾


Invesco V.I. Global Health Care Fund, Series II Shares		0.75			0.25			0.35			0.01			1.36	⁽¹⁴⁾


Invesco V.I. International Growth Fund, Series II Shares		0.71			0.25			0.31			0.01			1.28	⁽¹⁴⁾


Invesco V.I. Mid Cap Growth Fund, Series I Shares		0.75			—			0.33			—			1.08


Invesco V.I. Mid Cap Growth Fund, Series II Shares		0.75			0.25			0.33			—			1.33


Invesco V.I. Technology Fund, Series I Shares		0.75			—			0.42			—			1.17


Ivy Funds VIP Asset Strategy		0.68			0.25			0.05			—			0.98	⁽¹⁵⁾


Janus Aspen Series Flexible Bond Portfolio: Service Shares		0.51			0.25			0.05			—			0.81


Janus Aspen Series Global Allocation Portfolio – Moderate: Service Shares		0.05			0.25			2.12			0.81			3.23	⁽¹⁶⁾


Janus Aspen Series Global Technology Portfolio: Service Shares		0.64			0.25			0.13			—			1.02


Janus Aspen Series Janus Portfolio: Service Shares		0.49			0.25			0.05			—			0.79


Janus Aspen Series Overseas Portfolio: Service Shares		0.44			0.25			0.07			—			0.76


Lazard Retirement Global Dynamic Multi Asset Portfolio – Service Shares**		0.85			0.25			0.60			—			1.70	⁽¹⁷⁾


MFS^® Investors Growth Stock Series – Service Class		0.75			0.25			0.07			—			1.07


MFS^® New Discovery Series – Service Class		0.90			0.25			0.06			—			1.21


MFS^® Utilities Series – Service Class		0.73			0.25			0.07			—			1.05


Morgan Stanley UIF Global Real Estate Portfolio, Class II Shares		0.85			0.35			0.49			—			1.69	⁽¹⁸⁾

10 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS

Total annual operating expenses for each fund underlying RAVA Advantage and RAVA Select* (continued)

(Before fee waivers and/or expense reimbursements, if applicable, as a percentage of average daily net assets)


				Distribution									Total
				and/or service						Acquired fund			annual
	Management			12b-1			Other			fees and			operating
Fund name**	fees			fees			expenses			expenses***			expenses


Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares		0.75	%		0.35	%		0.34	%		—	%		1.44	%⁽¹⁸⁾


Neuberger Berman Advisers Management Trust Absolute Return Multi-Manager Portfolio (Class S)		2.00			0.25			1.74			0.04			4.03	⁽¹⁹⁾


Neuberger Berman Advisers Management Trust International Equity Portfolio (Class S)		1.15			0.25			1.09			—			2.49	⁽²⁰⁾


Oppenheimer Global Fund/VA, Service Shares		0.63			0.25			0.14			—			1.02


Oppenheimer Global Strategic Income Fund/VA, Service Shares		0.57			0.25			0.17			—			0.99	⁽²¹⁾


Oppenheimer Main Street Small Cap Fund^®/VA, Service Shares		0.68			0.25			0.13			—			1.06	⁽²²⁾


PIMCO VIT All Asset Portfolio, Advisor Class		0.43			0.25			—			0.76			1.44	⁽²³⁾


PIMCO VIT Global Multi-Asset Managed Allocation Portfolio, Advisor Class**		0.95			0.25			0.01			0.52			1.73	⁽²⁴⁾


PIMCO VIT Total Return Portfolio, Advisor Class		0.50			0.25			—			—			0.75


Putnam VT Global Health Care Fund – Class IB Shares		0.63			0.25			0.19			—			1.07


Putnam VT International Equity Fund – Class IB Shares		0.70			0.25			0.19			—			1.14


Putnam VT Multi-Cap Growth Fund – Class IB Shares		0.56			0.25			0.16			—			0.97


Van Eck VIP Global Gold Fund (Class S Shares)		0.75			0.25			3.82			—			4.82	⁽²⁵⁾


Variable Portfolio – Aggressive Portfolio (Class 2)		—			0.25			0.03			0.80			1.08


Variable Portfolio – Aggressive Portfolio (Class 4)		—			0.25			0.03			0.80			1.08


Variable Portfolio – AQR Managed Futures Strategy Fund (Class 2)		1.02			0.25			0.17			—			1.44


Variable Portfolio – BlackRock Global Inflation-Protected Securities Fund (Class 3)		0.42			0.13			0.14			—			0.69


Variable Portfolio – Conservative Portfolio (Class 2)		—			0.25			0.03			0.60			0.88


Variable Portfolio – Conservative Portfolio (Class 4)		—			0.25			0.03			0.60			0.88


Variable Portfolio – Goldman Sachs Commodity Strategy Fund (Class 2)		0.55			0.25			0.16			—			0.96


Variable Portfolio – Moderate Portfolio (Class 2)		—			0.25			0.02			0.72			0.99


Variable Portfolio – Moderate Portfolio (Class 4)		—			0.25			0.02			0.72			0.99


Variable Portfolio – Moderately Aggressive Portfolio (Class 2)		—			0.25			0.02			0.76			1.03


Variable Portfolio – Moderately Aggressive Portfolio (Class 4)		—			0.25			0.02			0.76			1.03


Variable Portfolio – Moderately Conservative Portfolio (Class 2)		—			0.25			0.02			0.67			0.94


Variable Portfolio – Moderately Conservative Portfolio (Class 4)		—			0.25			0.02			0.67			0.94


Variable Portfolio – Partners Small Cap Value Fund (Class 3)		0.91			0.13			0.14			0.01			1.19


Variable Portfolio – Pyrford International Equity Fund (Class 2)		0.77			0.25			0.18			—			1.20


Variable Portfolio – Sit Dividend Growth Fund (Class 3)		0.71			0.13			0.13			0.05			1.02


Variable Portfolio – Victory Established Value Fund (Class 3)		0.77			0.13			0.12			—			1.02


Variable Portfolio – Wells Fargo Short Duration Government Fund (Class 2)		0.46			0.25			0.13			—			0.84


Wanger International		0.90			—			0.17			—			1.07


Wanger USA		0.86			—			0.10			—			0.96


Wells Fargo Advantage VT Index Asset Allocation Fund – Class 2		0.55			0.25			0.31			—			1.11	⁽²⁶⁾


Wells Fargo Advantage VT International Equity Fund – Class 2		0.75			0.25			0.20			0.01			1.21	⁽²⁶⁾


Wells Fargo Advantage VT Opportunity Fund – Class 2		0.65			0.25			0.19			0.01			1.10	⁽²⁶⁾


Wells Fargo Advantage VT Small Cap Growth Fund – Class 2		0.75			0.25			0.18			—			1.18


Western Asset Variable Global High Yield Bond Portfolio – Class II		0.70			0.25			0.13			—			1.08


*		The Funds provided the information on their expenses and we have not independently verified the information.


**		The previous fund names can be found in “The Variable Account and the Funds” section of the prospectus.


***		Includes fees and expenses incurred indirectly by the Fund as a result of its investment in other investment companies (also referred to as acquired funds).


⁽¹⁾		After a voluntary expense waiver and reimbursement, net expenses would be 1.10%.


⁽²⁾		ALPS Advisors, Inc. (the “Adviser”) has contractually agreed to waive its management fee and/or reimburse expenses so that total annual fund operating expenses after fee waiver/expense reimbursements (not including Distribution and/or Service (12b-1) Fees, Shareholder Service Fees, acquired fund fees and expenses, taxes, brokerage

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 11


		commissions and extraordinary expenses) do not exceed a maximum of 0.80% of Class III shares average daily net assets through April 29, 2015. This agreement may only be terminated during the period by the Board of Trustees of ALPS Variable Investment Trust. After fee waivers and/or reimbursements, net expenses would be 1.30%.


⁽³⁾		BlackRock has contractually agreed to waive and/or reimburse fees or expenses in order to limit total annual fund operating expenses after fee waivers and/or expense reimbursements (excluding dividend expense, interest expense, acquired fund fees and expenses and certain other Fund expenses) to 1.50% of average daily net assets until May 1, 2015. BlackRock has also contractually agreed to reimburse fees in order to limit certain operational and recordkeeping fees to 0.07% of average daily net assets until May 1, 2015. Each of these contractual agreements may be terminated upon 90 days’ notice by a majority of the non-interested directors of the Fund or by a vote of a majority of the outstanding voting securities of the Fund. In addition, the Manager may waive a portion of the Fund’s management fee in connection with the Fund’s investment in an affiliated money market fund. After fee waivers and/or reimbursements, net expenses would be 0.97%.


⁽⁴⁾		Management fees have been restated to reflect contractual changes to the investment management fee rates.


⁽⁵⁾		Other expenses have been restated to reflect contractual changes to certain fees paid by the Fund.


⁽⁶⁾		Credit Suisse Trust (the Trust) and Credit Suisse Asset Management, LLC (Credit Suisse) have entered into a written contract limiting operating expenses (excluding certain expenses as described below) to 1.05% of the portfolio’s average daily net assets at least through November 15, 2015. The Trust is authorized to reimburse Credit Suisse for management fees previously limited and/or for expenses previously paid by Credit Suisse, provided, however, that any reimbursements must be paid at a date not more than three years after the end of the fiscal year during which such fees were limited or expenses were paid by Credit Suisse and the reimbursements do not cause the portfolio to exceed the expense limitation in the contract at the time the fees were limited or expenses were paid. This contract may not be terminated before November 15, 2015.


⁽⁷⁾		Through April 30, 2015, the Advisor has contractually agreed to waive all or a portion of its management fee and reimburse or pay certain operating expenses of the portfolio to the extent necessary to maintain the portfolio’s total annual operating expenses at ratios no higher than 0.57% for Class B shares, excluding certain expenses such as extraordinary expenses, taxes, brokerage, interest expense and acquired funds (underlying funds) fees and expenses (estimated at 1.23%). These agreements may only be terminated with the consent of the fund’s Board. After fee waivers and/or reimbursements, net expenses would be 1.80%.


⁽⁸⁾		Management fees and other expenses have been restated to reflect current fiscal year fees and expenses as a result of the bundling of the fund’s investment management agreement with its fund administration agreement effective May 1, 2013. Such combined investment management fees are described further under “Management” in the fund’s prospectus. Total annual fund operating expenses are not affected by such bundling.


⁽⁹⁾		The Investment Adviser has agreed to waive a portion of its management fee in order to achieve an effective net management fee rate of 0.77% of the Fund’s average daily net assets. This arrangement will remain in effect through at least April 30, 2015, and prior to such date the Investment Adviser may not terminate the arrangement without the approval of the Board of Trustees. After fee waivers and reimbursements, net expenses would be 0.83%.


⁽¹⁰⁾		The Portfolio’s “Other Expenses” have been estimated to reflect expenses expected to be incurred during the first fiscal year. In addition, the Investment Adviser has agreed to (i) waive all of its Management Fees, and (ii) reduce or limit “Other Expenses” (excluding acquired fund fees and expenses, transfer agency fees and expenses, taxes, interest, brokerage fees, shareholder meeting, litigation, indemnification and extraordinary expenses) to 0.204% of the Portfolio’s average daily net assets. Each arrangement will remain in effect through at least April 30, 2015, and prior to such date the Investment Adviser may not terminate the arrangement without the approval of the Board of Trustees. After fee waivers and reimbursements, net expenses would be 1.52%.


⁽¹¹⁾		Invesco Advisers, Inc. (“Invesco or the Adviser”) has contractually agreed to waive advisory fees and/or reimburse expenses of Series II shares to the extent necessary to limit total annual fund operating expenses after fee waiver and/or expense reimbursement (excluding certain items discussed below) of Series II shares to 1.01% of the Fund’s average daily nets assets. In determining the Adviser’s obligation to waive advisory fees and/or reimburse expenses, the following expenses are not taken into account, and could cause the total annual fund operating expenses after fee waiver and/or expense reimbursement to exceed the numbers reflected above: (i) interest; (ii) taxes; (iii) dividend expense on short sales; (iv) extraordinary or non-routine items, including litigation expenses; (v) expenses that the Fund has incurred but did not actually pay because of an expense offset arrangement. Acquired fund fees and expenses are also excluded in determining such obligation. Invesco has also contractually agreed to waive a portion of the Fund’s management fee in an amount equal to the net management fee that Invesco earns on the Fund’s investments in certain affiliated funds. This waiver will have the effect of reducing acquired fund fees and expenses that are indirectly borne by the Fund. Unless Invesco continues the fee waiver agreements, they will terminate on April 30, 2015. The fee waiver agreements cannot be terminated during their terms. After fee waivers and/or expense reimbursements, net expense would be 1.05%.


⁽¹²⁾		Invesco Advisers, Inc. (“Invesco or the Adviser”) has contractually agreed to waive advisory fees and/or reimburse expenses of Series II shares to the extent necessary to limit total annual fund operating expenses after fee waiver and/or expense reimbursement (excluding certain items discussed below) of Series II shares to 1.03% of the Fund’s average daily net assets. In determining the Adviser’s obligation to waive advisory fees and/or reimburse expenses, the following expenses are not taken into account, and could cause the total annual fund operating expenses after fee waiver and/or expense reimbursement to exceed the numbers reflected above: (i) interest; (ii) taxes; (iii) dividend expense on short sales; (iv) extraordinary or non-routine items, including litigation expenses; (v) expenses that the Fund has incurred but did not actually pay because of an expense offset arrangement. Unless Invesco continues the fee waiver agreement, it will terminate on April 30, 2015. The fee waiver agreement cannot be terminated during its term.


⁽¹³⁾		Invesco Advisers, Inc. (“Invesco or the Adviser”) has contractually agreed to waive a portion of the Fund’s management fee in an amount equal to the net management fee that Invesco earns on the Fund’s investments in certain affiliated funds. This waiver will have the effect of reducing acquired fund fees and expenses that are indirectly borne by the Fund. Unless Invesco continues the fee waiver agreement, it will terminate on April 30, 2015. The fee waiver agreement cannot be terminated during its term. After fee waivers, net expenses would be 0.72%.


⁽¹⁴⁾		Invesco Advisers, Inc. (“Invesco or the Adviser”) has contractually agreed to waive a portion of the Fund’s management fee in an amount equal to the net management fee that Invesco earns on the Fund’s investments in certain affiliated funds. This waiver will have the effect of reducing acquired fund fees and expenses that are indirectly borne by the Fund. Unless Invesco continues the fee waiver agreement, it will terminate on April 30, 2015. The fee waiver agreement cannot be terminated during its term. After fee waivers, net expenses would be 1.35% for Invesco V.I. Global Health Care Fund, Series II Shares and 1.27% for Invesco V.I. International Growth Fund, Series II Shares.


⁽¹⁵⁾		After a voluntary expense waiver and/or reimbursement, net expenses would be 0.97%.


⁽¹⁶⁾		Janus Capital has contractually agreed to waive its investment advisory fee and/or reimburse Portfolio expenses to the extent that the Portfolio’s total annual fund operating expenses (excluding any expenses of an underlying fund (acquired fund fees and expenses), distribution and shareholder servicing fees, administrative services fees payable pursuant to the Transfer Agency Agreement, brokerage commissions, interest, dividends, taxes, and extraordinary expenses) exceed 0.14% until at least May 1, 2015. The contractual waiver may be terminated or modified at any time prior to this date only at the discretion of the Board of Trustees. After fee waivers and/or reimbursements, net expenses would be 1.22%.


⁽¹⁷⁾		The Investment Manager has contractually agreed to waive its fee and, if necessary, reimburse the Portfolio through April 30, 2015, to the extent total annual portfolio operating expenses exceed 1.05%.


⁽¹⁸⁾		The Portfolios’ Adviser, Morgan Stanley Investment Management Inc., has agreed to reduce its advisory fee and/or reimburse the Portfolio so that total annual portfolio operating expenses, excluding certain investment related expenses, taxes, interest and other extraordinary expenses (including litigation), will not exceed 1.40% for

12 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS


		Morgan Stanley UIF Global Real Estate Portfolio, Class II Shares and 1.15% for Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares. In addition, the Portfolio’s Distributor, Morgan Stanley Distribution Inc., has agreed to waive 0.10% for Morgan Stanley UIF Global Real Estate Portfolio, Class II Shares and 0.25% for Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares of the 0.35% 12b-1 fee that it may receive. These fee waivers and/or expense reimbursements will continue for at least one year or until such time as the Board of Directors of The Universal Institutional Funds, Inc. acts to discontinue all or a portion of such waivers and/or reimbursements when it deems that such action is appropriate.


⁽¹⁹⁾		Other expenses, which includes dividend and interest expenses relating to short sales, are based on estimated expenses for the current fiscal year; actual expenses may vary. In addition, Neuberger Berman Management LLC (“NBM”) has contractually undertaken to waive and/or reimburse certain fees and expenses of Class S so that the total annual operating expenses (excluding interest, taxes, brokerage commissions, acquired fund fees and expenses, dividend and interest expenses related to short sales, and extraordinary expenses, if any) are limited to 2.40% of average net assets. This undertaking lasts until 12/31/2017 and may not be terminated during its term without the consent of the Board of Trustees. The Fund has agreed that Class S will repay NBM for fees and expenses waived or reimbursed for the class provided that repayment does not cause annual operating expenses to exceed 2.40% of the average net assets. Any such repayment must be made within three years after the year in which NBM incurred the expense. After fee waivers and/or reimbursements, net expenses would be 2.73%.


⁽²⁰⁾		Neuberger Berman Management LLC (“NBM”) has undertaken through Dec. 31, 2017, to waive fees and/or reimburse certain operating expenses, including the compensation of NBM and excluding taxes, interest, extraordinary expenses, brokerage commissions and transaction costs, that exceed, in the aggregate, 1.50% of the average daily net asset value. The expense limitation arrangements for the Portfolio are contractual and any excess expenses can be repaid to NBM within three years of the year incurred, provided such recoupment would not cause a Portfolio to exceed its respective limitation. After fee waivers and/or reimbursements, net expenses would be 1.51%.


⁽²¹⁾		The Manager has contractually agreed to waive fees and/or reimburse Fund expenses in an amount equal to the indirect management fees incurred through the Fund’s investment in funds managed by the Manager or its affiliates. This fee waiver and/or expense reimbursement may not be amended or withdrawn until one year from the date of the Fund’s prospectus, unless approved by the Board. After fee waivers and/or reimbursements, net expenses would be 0.97%.


⁽²²⁾		The Manager has contractually agreed to waive fees and/or reimburse the Fund for certain expenses in order to limit total annual fund operating expenses after fee waiver and/or expense reimbursement (excluding any applicable dividend expense, taxes, interest and fees from borrowing, any subsidiary expenses, acquired fund fees and expenses, brokerage commissions, extraordinary expenses and certain other Fund expenses) to an annual rate of 1.05% as calculated on the daily net assets of the Fund. The Manager has also contractually agreed to waive fees and/or reimburse Fund expenses in an amount equal to the indirect management fees incurred through the Fund’s investments in funds managed by the Manager or its affiliates. These fee waivers and/or expense reimbursements may not be amended or withdrawn for one year from the date of the Fund’s prospectus, unless approved by the Board.


⁽²³⁾		PIMCO has contractually agreed, through May 1, 2015, to reduce its advisory fee to the extent that the Underlying PIMCO Fund Expenses attributable to advisory and supervisory and administrative fees exceed 0.64% of the total assets invested in Underlying PIMCO Funds. PIMCO may recoup these waivers in future periods, not exceeding three years, provided total expenses, including such recoupment, do not exceed the annual expense limit. The fee reduction is implemented based on a calculation of Underlying PIMCO Fund Expenses attributable to advisory and supervisory and administrative fees that is different from the calculation of Acquired Fund Fees and Expenses listed in the table above. After fee waivers, net expenses would be 1.32%.


⁽²⁴⁾		PIMCO has contractually agreed, through May 1, 2015, to waive, first, the advisory fee and, second, the supervisory and administrative fee it receives from the Portfolio in an amount equal to the expenses attributable to the Management Fees of Underlying PIMCO Funds indirectly incurred by the Portfolio in connection with its investments in Underlying PIMCO Funds, to the extent the Portfolio’s Management Fees are greater than or equal to the Management Fees of the Underlying PIMCO Funds. This waiver renews annually for a full year unless terminated by PIMCO upon at least 30 days’ notice prior to the end of the contract term. Certain fees and expenses are not waived or reimbursed, such as direct or indirect (through an acquired fund) interest expense or dividends paid on borrowed securities, and the expense of investing in acquired funds other than certain PIMCO funds. The amount of such expenses will vary based on the Portfolio’s use of those investments as an investment strategy best suited to seek the objective of the Portfolio. In addition, PIMCO has contractually agreed to waive the Portfolio’s advisory fee and the supervisory and administrative fee in an amount equal to the management fee and administrative services fee, respectively, paid by the PIMCO Cayman Commodity Portfolio II Ltd. (the “GMAMA Subsidiary”) to PIMCO. The GMAMA Subsidiary pays PIMCO a management fee and an administrative services fee at the annual rates of 0.49% and 0.20%, respectively, of its net assets. This waiver may not be terminated by PIMCO and will remain in effect for as long as PIMCO’s contract with the GMAMA Subsidiary is in place. After fee waivers, net expenses would be 1.27%.


⁽²⁵⁾		The Adviser has agreed to waive fees and/or pay Fund expenses to the extent necessary to prevent the operating expenses of the Fund (excluding acquired fund fees and expenses, interest expense, trading expenses, dividends and interest payments on securities sold short, taxes and extraordinary expenses) from exceeding 1.45% of the Fund’s average daily net assets per year until May 1, 2015. During such time, the expense limitation is expected to continue until the Board of Trustees acts to discontinue all or a portion of such expense limitation.


⁽²⁶⁾		The Adviser has committed through April 30, 2015 to waive fees and/or reimburse expenses to the extent necessary to cap the Fund’s total annual fund operating expenses after fee waiver at 1.00% for Wells Fargo Advantage VT Index Asset Allocation Fund – Class 2, 0.94% for Wells Fargo Advantage VT International Equity Fund – Class 2 and 1.00% for Wells Fargo Advantage VT Opportunity Fund – Class 2. Brokerage commissions, stamp duty fees, interest, taxes, acquired fund fees and expenses and extraordinary expenses are excluded from the cap. After this time, the cap may be increased or the commitment to maintain the cap may be terminated only with the approval of the Board of Trustees. After fee waivers and/or reimbursements, net expenses would be 0.95% for Wells Fargo Advantage VT International Equity Fund – Class 2 and 1.01% for Wells Fargo Advantage VT Opportunity Fund – Class 2.

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 13

Examples

These examples are intended to help you compare the cost of investing in these contracts with the cost of investing in other variable annuity contracts. These costs include your transaction expenses, contract administrative charges*, variable account annual expenses and fund fees and expenses.

These examples assume that you invest $10,000 in the contract for the time periods indicated. These examples also assume that your investment has a 5% return each year.

Maximum Expenses. These examples assume the most expensive combination of contract features and benefits and the maximum fees and expense of any of the funds before fee waivers and/or expense reimbursements. They assume that you select the optional MAV and EEP. Although your actual costs may be lower, based on these assumptions your costs would be:


	If you surrender your contract at the end of the applicable time period:								If you do not surrender your contract or if you select an annuity payout plan at the end of the applicable time period:
Nonqualified Annuity	1 year		3 years		5 years		10 years		1 year		3 years		5 years		10 years

RAVA Advantage

With a ten-year surrender charge schedule	$	1,486	$	2,826	$	4,023	$	6,580	$	686	$	2,026	$	3,323	$	6,380

RAVA Advantage

With a seven-year surrender charge schedule		1,386		2,726		3,823		6,380		686		2,026		3,323		6,380

RAVA Select		1,412		2,797		3,431		6,550		712		2,097		3,431		6,550

RAVA Select – Texas		1,512		2,697		3,431		6,550		712		2,097		3,431		6,550


	If you surrender your contract at the end of the applicable time period:								If you do not surrender your contract or if you select an annuity payout plan at the end of the applicable time period:
Qualified Annuity	1 year		3 years		5 years		10 years		1 year		3 years		5 years		10 years

RAVA Advantage

With a ten-year surrender charge schedule	$	1,466	$	2,769	$	3,936	$	6,441	$	666	$	1,969	$	3,236	$	6,241

RAVA Advantage

With a seven-year surrender charge schedule		1,366		2,669		3,736		6,241		666		1,969		3,236		6,241

RAVA Select		1,392		2,740		3,345		6,414		692		2,040		3,345		6,414

RAVA Select – Texas		1,492		2,640		3,345		6,414		692		2,040		3,345		6,414


	If you surrender your contract at the end of the applicable time period:								If you do not surrender your contract or if you select an annuity payout plan at the end of the applicable time period:
Nonqualified Annuity	1 year		3 years		5 years		10 years		1 year		3 years		5 years		10 years

RAVA Advantage

With a ten-year surrender charge schedule		$972	$	1,332	$	1,611	$	2,156	$	172	$	532		$ 911	$	1,956

RAVA Advantage

With a seven-year surrender charge schedule		872		1,232		1,411		1,956		172		532		911		1,956

RAVA Select		898		1,310		1,043		2,231		198		610		1,043		2,231

RAVA Select – Texas		998		1,210		1,043		2,231		198		610		1,043		2,231

14 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS

Condensed Financial Information

You can find unaudited condensed financial information for the subaccounts representing the lowest and highest total annual variable account expense combination in Appendix C.

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 and did not have any activity as of the financial statement date.

The Variable Account and the Funds

The funds: The contract currently offers subaccounts investing in shares of the funds listed in the table below.


•	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 contract 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 funds’ 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 fund providers 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.

•	Asset allocation programs may impact fund performance: Asset allocation programs in general may negatively impact the performance of an underlying fund. Even if you do not participate in an asset allocation program, a fund in which your subaccount invests may be impacted if it is included in an asset allocation program. Rebalancing or reallocation under the terms of the asset allocation program may cause a fund to lose money if it must sell large amounts of securities to meet a redemption request. These losses can be greater if the fund holds securities that are not as liquid as others; for example,

16 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS

various types of bonds, shares of smaller companies and securities of foreign issuers. A fund may also experience higher expenses because it must sell or buy securities more frequently than it otherwise might in the absence of asset allocation program rebalancing or reallocations. Because asset allocation programs include periodic rebalancing and may also include reallocation, these effects may occur under the asset allocation program we offer (see “Making the Most of Your Contract — Portfolio Navigator Program”) or under asset allocation programs used in conjunction with the contracts and plans of other eligible purchasers of the funds.

•

Funds available under the contract: We seek to provide a broad array of underlying funds taking into account the fees and charges imposed by each fund and the contract charges we impose. We select the underlying funds in which the subaccounts initially invest and when there is substitution (see “Substitution of Investments”). We also make all decisions regarding which funds to retain in a contract, which funds to add to a contract and which funds will no longer be offered in a contract. 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 and non-cash compensation 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 and distribution expenses incurred with respect to the fund.


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

Expenses We May Incur on Behalf of the Funds

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

Conflicts of Interest These Payments May Create

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 17

The Amount of Payments We Receive from the Funds


•	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 these revenues including but not limited to expense payments and non-cash compensation for various purposes:


	•	Compensating, training and educating financial advisors who sell the contracts.

	•	Granting access to our employees whose job it is to promote sales of the contracts by authorized selling firms and their financial advisors, and granting access to financial advisors of our affiliated selling firms.

	•	Activities or services we or our affiliates provide that assist in the promotion and distribution of the contracts including promoting the funds available under the contracts to prospective and existing contract owners, authorized selling firms and financial advisors.

	•	Providing sub-transfer agency and shareholder servicing to contract owners.

	•	Promoting, including and/or retaining the fund’s investment portfolios as underlying investment options in the contracts.

	•	Advertising, printing and mailing sales literature, and printing and distributing prospectuses and reports.

	•	Furnishing personal services to contract owners, including education of contract owners, 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).

	•	Subaccounting, transaction processing, recordkeeping and administration.


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


	•	Assets of the fund’s adviser and transfer agent or an affiliate. 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.

	•	Compensation paid out of 12b-1 fees that are deducted from fund assets and disclosed in the “12b-1 fees” column of the “Annual Operating Expenses of the Funds” table.


•	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:


	•	Assets of the fund’s adviser, subadviser, transfer agent or an affiliate of these and assets of the fund’s distributor or an affiliate. The revenue resulting from these sources usually is based on a percentage of average daily net assets of the fund but there may be other types of payment arrangements.

	•	Compensation paid out of 12b-1 fees that are deducted from fund assets and disclosed in the “12b-1 fees” column of the “Annual Operating Expenses of the Funds” table.

18 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS

Unless the PN program is in effect, you may allocate purchase payments and transfers to any or all of the subaccounts of the variable account that invest in shares of the following funds:


Investing In	Investment Objective and Policies	Investment Adviser
AllianceBernstein VPS Dynamic Asset Allocation Portfolio (Class B)	Seeks to maximize total return consistent with AllianceBernstein’s determination of reasonable risk.	AllianceBernstein L.P.

AllianceBernstein VPS Global Thematic Growth Portfolio (Class B)	Seeks long-term growth of capital.	AllianceBernstein L.P.

AllianceBernstein VPS Growth and Income Portfolio (Class B)	Seeks long-term growth of capital.	AllianceBernstein L.P.

AllianceBernstein VPS International Value Portfolio (Class B)	Seeks long-term growth of capital.	AllianceBernstein L.P.

ALPS/Alerian Energy Infrastructure Portfolio: Class III	Seeks investment results that correspond (before fees and expenses) generally to the price and yield performance of its underlying index.	ALPS Advisors, Inc.

American Century VP International, Class II	Seeks capital growth.	American Century Investment Management, Inc.

American Century VP Mid Cap Value, Class II	Seeks long-term capital growth. Income is a secondary objective.	American Century Investment Management, Inc.

American Century VP Ultra^®, Class II	Seeks capital growth.	American Century Investment Management, Inc.

American Century VP Value, Class II	Seeks long-term capital growth. Income is a secondary objective.	American Century Investment Management, Inc.

BlackRock Global Allocation V.I. Fund (Class III)	Seeks high total investment return.	BlackRock Advisors, LLC, adviser; BlackRock Investment Management, LLC and BlackRock International Limited, sub-advisers.

Calvert VP SRI Balanced Portfolio	Seeks to achieve a competitive total return through an actively managed portfolio of stocks, bonds and money market instruments which offer income and capital growth opportunity and which satisfy the investment criteria, including financial, sustainability and social responsibility factors.	Calvert Investment Management, Inc.

Columbia Variable Portfolio – Balanced Fund (Class 3)	Seeks maximum total investment return through a combination of capital growth and current income.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Cash Management Fund (Class 3)	Seeks maximum current income consistent with liquidity and stability of principal.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Commodity Strategy Fund (Class 2)	Seeks to provide shareholders with total return.	Columbia Management Investment Advisers, LLC, adviser; Threadneedle International Limited, an indirect wholly-owned subsidiary of Ameriprise Financial, subadviser.

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 19


Investing In	Investment Objective and Policies	Investment Adviser
Columbia Variable Portfolio – Contrarian Core Fund (Class 2)	Seeks total return, consisting of long-term capital appreciation and current income.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Core Bond Fund (Class 2)	Seeks total return, consisting of current income and capital appreciation.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Diversified Bond Fund (Class 3)	Seeks high level of current income while attempting to conserve the value of the investment for the longest period of time.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Dividend Opportunity Fund (Class 3)	Seeks high level of current income and, as a secondary goal, steady growth of capital.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2)	Seeks to provide shareholders with high total return through current income and, secondarily, through capital appreciation.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Emerging Markets Fund (Class 3)	Seeks long-term capital growth.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Global Bond Fund (Class 3)	Non-diversified fund that seeks high total return through income and growth of capital.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – High Yield Bond Fund (Class 3)	Seeks high current income as its primary objective and, as its secondary objective, capital growth.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Income Opportunities Fund (Class 3)	Seeks high total return through current income and capital appreciation.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – International Opportunity Fund (Class 3)	Seeks capital appreciation.	Columbia Management Investment Advisers, LLC, adviser; Threadneedle International Limited, an indirect wholly-owned subsidiary of Ameriprise Financial, subadviser.

Columbia Variable Portfolio – Large Cap Growth Fund (Class 3)	Seeks long-term capital growth.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Large Core Quantitative Fund (Class 3)	Seeks capital appreciation.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Limited Duration Credit Fund (Class 2) (Available on or about 6/30/2014)	Seeks level of current income consistent with preservation of capital.	Columbia Management Investment Advisers, LLC

20 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS


Investing In	Investment Objective and Policies	Investment Adviser
Columbia Variable Portfolio – Marsico Growth Fund (Class 1)	Seeks long-term growth of capital.	Columbia Management Investment Advisers, LLC, adviser; Marsico Capital Management, LLC, subadviser.

Columbia Variable Portfolio – Marsico International Opportunities Fund (Class 2)	Seeks long-term growth of capital.	Columbia Management Investment Advisers, LLC, adviser; Marsico Capital Management, LLC, subadviser.

Columbia Variable Portfolio – Mid Cap Growth Opportunity Fund (Class 3)	Seeks growth of capital.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Mid Cap Value Opportunity Fund (Class 3)	Seeks long-term growth of capital.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Multi-Strategy Alternatives Fund (Class 2) (previously Variable Portfolio – Eaton Vance Global Macro Advantage Fund (Class 2))	Seeks total return, consisting of current income and capital appreciation.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – S&P 500 Index Fund (Class 3)	Seeks long-term capital appreciation.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Select Large-Cap Value Fund (Class 3)	Seeks long-term growth of capital.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Select Smaller-Cap Value Fund (Class 3)	Seeks long-term capital growth.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 3)	Seeks current income as its primary objective and, as its secondary objective, preservation of capital.	Columbia Management Investment Advisers, LLC

Credit Suisse Trust – Commodity Return Strategy Portfolio	The portfolio is designed to achieve positive total return relative to the performance of the Dow Jones-UBS Commodity Index Total Return (“DJ-UBS”).	Credit Suisse Asset Management, LLC

DWS Alternative Asset Allocation VIP, Class B	Seeks capital appreciation.	Deutsche Investment Management Americas Inc., adviser; QS Investors, LLC and RREEF America L.L.C., sub-advisers.

Eaton Vance VT Floating-Rate Income Fund	Seeks high level of current income.	Eaton Vance Management

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 21


Investing In	Investment Objective and Policies	Investment Adviser
Fidelity^® VIP Contrafund^® Portfolio Service Class 2	Seeks long-term capital appreciation. Normally invests primarily in common stocks. Invests in securities of companies whose value FMR believes is not fully recognized by the public. Invests in either “growth” stocks or “value” stocks or both. The fund invests in domestic and foreign issuers.	Fidelity Management & Research Company (FMR) is the fund’s manager. FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund.

Fidelity^® VIP Growth & Income Portfolio Service Class 2	Seeks high total return through a combination of current income and capital appreciation. Normally invests a majority of assets in common stocks with a focus on those that pay current dividends and show potential for capital appreciation. Invests in domestic and foreign issuers. The Fund invests in either “growth” stocks or “value” stocks or both.	Fidelity Management & Research Company (FMR) is the fund’s manager. FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund.

Fidelity^® VIP Mid Cap Portfolio Service Class 2	Seeks long-term growth of capital. Normally invests primarily in common stocks. Normally invests at least 80% of assets in securities of companies with medium market capitalizations. May invest in companies with smaller or larger market capitalizations. Invests in domestic and foreign issuers. The Fund invests in either “growth” or “value” common stocks or both.	Fidelity Management & Research Company (FMR) is the fund’s manager. FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund.

Fidelity^® VIP Overseas Portfolio Service Class 2	Seeks long-term growth of capital. Normally invests primarily in common stocks allocating investments across different countries and regions. Normally invests at least 80% of assets in non-U.S. securities.	Fidelity Management & Research Company (FMR) is the fund’s manager. FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund.

Fidelity^® VIP Strategic Income Portfolio Service Class 2	Seeks a high level of current income and may also seek capital appreciation.	Fidelity Management & Research Company (FMR) is the fund’s manager. Fidelity Investments Money Management, Inc. (FIMM), FMR Co., Inc. (FMRC), FIL Investment Advisors (UK) Limited (FIA(UK)) and other investment advisers serve as sub-advisers for the fund.

FTVIPT Franklin Global Real Estate VIP Fund – Class 2 (previously FTVIPT Franklin – Global Real Estate Securities Fund – Class 2)	Seeks high total return. Under normal market conditions, the fund invests at least 80% of its net assets in investments of companies located anywhere in the world that operate in the real estate sector.	Franklin Templeton Institutional, LLC

FTVIPT Franklin Income VIP Fund – Class 2 (previously FTVIPT Franklin – Income Securities Fund – Class 2)	Seeks to maximize income while maintaining prospects for capital appreciation. Under normal market conditions, the fund invests in both equity and debt securities.	Franklin Advisers, Inc. adviser; Templeton Investment Counsel, LLC, subadviser.

FTVIPT Franklin Mutual Shares VIP Fund – Class 2 (previously FTVIPT – Mutual Shares Securities Fund – Class 2)	Seeks capital appreciation, with income as a secondary goal. Under normal market conditions, the fund invests primarily in U.S. and foreign equity securities that the investment manager believes are undervalued.	Franklin Mutual Advisers, LLC

22 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS


Investing In	Investment Objective and Policies	Investment Adviser
FTVIPT Franklin Small Cap Value VIP Fund – Class 2 (previously FTVIPT Franklin – Small Cap Value Securities Fund – Class 2)	Seeks long-term total return. Under normal market conditions, the fund invests at least 80% of its net assets in investments of small capitalization companies.	Franklin Advisory Services, LLC

FTVIPT Templeton Global Bond VIP Fund – Class 2 (previously FTVIPT Templeton Global Bond Securities Fund – Class 2)	Seeks high current income, consistent with preservation of capital, with capital appreciation as a secondary consideration. Under normal market conditions, the fund invests at least 80% of its net assets in bonds, which include debt securities of any maturity, such as bonds, notes, bills and debentures.	Franklin Advisers, Inc.

Goldman Sachs VIT Mid Cap Value Fund – Institutional Shares	Seeks long-term capital appreciation.	Goldman Sachs Asset Management, L.P.

Goldman Sachs VIT Multi-Strategy Alternatives Portfolio – Advisor Shares (Available on or about 6/30/2014)	Seeks long-term growth of capital.	Goldman Sachs Asset Management, L.P.

Goldman Sachs VIT U.S. Equity Insights Fund – Institutional Shares (previously Goldman Sachs VIT Structured U.S. Equity Fund – Institutional Shares)	Seeks long-term growth of capital.	Goldman Sachs Asset Management, L.P.

Invesco V.I. American Franchise Fund, Series II Shares	Seeks capital growth.	Invesco Advisers, Inc.

Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares	Non-diversified fund that seeks total return with a low to moderate correlation to traditional financial market indices.	Invesco Advisers, Inc.

Invesco V.I. Comstock Fund, Series II Shares	Seeks capital growth and income through investments in equity securities, including common stocks, preferred stocks and securities convertible into common and preferred stocks.	Invesco Advisers, Inc.

Invesco V.I. Diversified Dividend Fund, Series I Shares	Seeks to provide reasonable current income and long-term growth of income and capital.	Invesco Advisers, Inc.

Invesco V.I. Global Health Care Fund, Series II Shares	Seeks long-term growth of capital.	Invesco Advisers, Inc.

Invesco V.I. International Growth Fund, Series II Shares	Seeks long-term growth of capital.	Invesco Advisers, Inc.

Invesco V.I. Mid Cap Growth Fund, Series I Shares	Seeks capital growth.	Invesco Advisers, Inc.

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 23


Investing In	Investment Objective and Policies	Investment Adviser
Invesco V.I. Mid Cap Growth Fund, Series II Shares	Seeks capital growth.	Invesco Advisers, Inc.

Invesco V.I. Technology Fund, Series I Shares	Seeks long-term growth of capital.	Invesco Advisers, Inc.

Ivy Funds VIP Asset Strategy	Seeks total return over the long term.	Waddell & Reed Investment Management Company

Janus Aspen Series Flexible Bond Portfolio: Service Shares	Seeks to obtain maximum total return, consistent with preservation of capital.	Janus Capital Management LLC

Janus Aspen Series Global Allocation Portfolio – Moderate: Service Shares	Seeks total return through growth of capital and income.	Janus Capital Management LLC

Janus Aspen Series Global Technology Portfolio: Service Shares	Seeks long-term growth of capital.	Janus Capital Management LLC

Janus Aspen Series Janus Portfolio: Service Shares	Seeks long-term growth of capital.	Janus Capital Management LLC

Janus Aspen Series Overseas Portfolio: Service Shares	Seeks long-term growth of capital.	Janus Capital Management LLC

Lazard Retirement Global Dynamic Multi Asset Portfolio – Service Shares (previously Lazard Retirement Multi-Asset Targeted Volatility Portfolio – Service Shares)	Seeks long-term capital appreciation.	Lazard Asset Management, LLC

MFS^® Investors Growth Stock Series – Service Class	Seeks capital appreciation.	MFS^® Investment Management

MFS^® New Discovery Series – Service Class	Seeks capital appreciation.	MFS^® Investment Management

MFS^® Utilities Series – Service Class	Seeks total return.	MFS^® Investment Management

Morgan Stanley UIF Global Real Estate Portfolio, Class II Shares	Seeks to provide current income and capital appreciation.	Morgan Stanley Investment Management Inc., adviser; Morgan Stanley Investment Management Limited and Morgan Stanley Investment Management Company, subadvisers.

Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares	Seeks long-term capital growth by investing primarily in common stocks and other equity securities.	Morgan Stanley Investment Management Inc.

24 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS


Investing In	Investment Objective and Policies	Investment Adviser
Neuberger Berman Advisers Management Trust Absolute Return Multi-Manager Portfolio (Class S) (Available on or about 6/30/2014)	Seeks capital appreciation with an emphasis on absolute (i.e.,positive) returns.	Neuberger Berman Management LLC is the Fund’s investment manager. NB Alternative Investment Management LLC is the Fund’s investment adviser.

Neuberger Berman Advisers Management Trust International Equity Portfolio (Class S)	Seeks long-term growth of capital by investing at least 80% of its nets assets, plus the amount of any borrowings for investment purposes, in equity securities.	Neuberger Berman Management LLC

Oppenheimer Global Fund/VA, Service Shares	Seeks long-term capital appreciation by investing a substantial portion of its assets in securities of foreign issuers, “growth-type” companies, cyclical industries and special situations that are considered to have appreciation possibilities.	OFI Global Asset Management, Inc., adviser; OppenheimerFunds, Inc., sub-adviser.

Oppenheimer Global Strategic Income Fund/VA, Service Shares	Seeks a high level of current income principally derived from interest on debt securities.	OFI Global Asset Management, Inc., adviser; OppenheimerFunds, Inc., sub-adviser.

Oppenheimer Main Street Small Cap Fund^®/VA, Service Shares	Seeks capital appreciation.	OFI Global Asset Management, Inc., adviser; OppenheimerFunds, Inc., sub-adviser.

PIMCO VIT All Asset Portfolio, Advisor Class	Seeks maximum real return consistent with preservation of real capital and prudent investment management.	Pacific Investment Management Company LLC (PIMCO)

PIMCO VIT Global Multi-Asset Managed Allocation Portfolio, Advisor Class (previously PIMCO VIT Global Multi-Asset Portfolio, Advisor Class)	Seeks total return which exceeds that of a blend of 60% MSCI World Index/40% Barclays U.S. Aggregate Index.	Pacific Investment Management Company LLC (PIMCO)

PIMCO VIT Total Return Portfolio, Advisor Class	Seeks maximum total return, consistent with preservation of capital and prudent investment management.	Pacific Investment Management Company LLC (PIMCO)

Putnam VT Global Health Care Fund – Class IB Shares	Seeks capital appreciation.	Putnam Investment Management, LLC, adviser; Putnam Advisory Company, LLC, sub-adviser; and Putnam Investments Limited, sub-manager

Putnam VT International Equity Fund – Class IB Shares	Seeks capital appreciation.	Putnam Investment Management, LLC, adviser; Putnam Advisory Company, LLC, sub-adviser; and Putnam Investments Limited, sub-manager

Putnam VT Multi-Cap Growth Fund – Class IB Shares	Seeks long-term capital appreciation.	Putnam Investment Management, LLC, adviser; Putnam Investments Limited, sub-manager

Van Eck VIP Global Gold Fund (Class S Shares)	Seeks long-term capital appreciation by investing in common stocks of gold-mining companies. The Fund may take current income into consideration when choosing investments.	Van Eck Associates Corporation

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 25


Investing In	Investment Objective and Policies	Investment Adviser
Variable Portfolio – Aggressive Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with an aggressive level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – Aggressive Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with an aggressive level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – AQR Managed Futures Strategy Fund (Class 2)	Seeks positive absolute returns.	Columbia Management Investment Advisers, LLC, adviser; AQR Capital Management, LLC, subadviser.

Variable Portfolio – BlackRock Global Inflation-Protected Securities Fund (Class 3)	Non-diversified fund that seeks total return that exceeds the rate of inflation over the long term.	Columbia Management Investment Advisers, LLC, adviser; BlackRock Financial Management, Inc., subadviser.

Variable Portfolio – Conservative Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with a conservative level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

26 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS


Investing In	Investment Objective and Policies	Investment Adviser
Variable Portfolio – Conservative Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with a conservative level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – Goldman Sachs Commodity Strategy Fund (Class 2)	Seeks total return, consisting of current income and capital appreciation.	Columbia Management Investment Advisers, LLC, adviser; Goldman Sachs Asset Management, L.P., subadviser.

Variable Portfolio – Moderate Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with a moderate level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – Moderate Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with a moderate level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 27


Investing In	Investment Objective and Policies	Investment Adviser
Variable Portfolio – Moderately Aggressive Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with a moderately aggressive level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – Moderately Aggressive Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with a moderately aggressive level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – Moderately Conservative Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with a moderately conservative level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

28 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS


Investing In	Investment Objective and Policies	Investment Adviser
Variable Portfolio – Moderately Conservative Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with a moderately conservative level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – Partners Small Cap Value Fund (Class 3)	Seeks long-term capital appreciation.	Columbia Management Investment Advisers, LLC, adviser; Barrow, Hanley, Mewhinney & Strauss, LLC, Denver Investment Advisors LLC, Donald Smith & Co., Inc., River Road Asset Management, LLC and Turner Investments L.P., subadvisers.

Variable Portfolio – Pyrford International Equity Fund (Class 2)	Seeks long-term capital appreciation.	Columbia Management Investment Advisers, LLC, adviser; Pyrford International Ltd., subadviser.

Variable Portfolio – Sit Dividend Growth Fund (Class 3)	Seeks long-term capital growth.	Columbia Management Investment Advisers, LLC, adviser; Sit Investment Associates, Inc., subadviser.

Variable Portfolio – Victory Established Value Fund (Class 3)	Seeks long-term growth of capital.	Columbia Management Investment Advisers, LLC, adviser; Victory Capital Management, Inc., subadviser.

Variable Portfolio – Wells Fargo Short Duration Government Fund (Class 2) (Available on or about 6/30/2014)	Seeks to provide current income consistent with capital preservation.	Columbia Management Investment Advisers, LLC, adviser; Wells Capital Management Incorporated, subadviser.

Wanger International	Seeks long-term capital appreciation.	Columbia Wanger Asset Management, LLC

Wanger USA	Seeks long-term capital appreciation.	Columbia Wanger Asset Management, LLC

Wells Fargo Advantage VT Index Asset Allocation Fund – Class 2	Seeks long-term total return, consisting of capital appreciation and current income.	Wells Fargo Funds Management, LLC, adviser; Wells Capital Management Inc., sub-adviser.

Wells Fargo Advantage VT International Equity Fund – Class 2	Seeks long-term capital appreciation.	Wells Fargo Funds Management, LLC, adviser; Wells Capital Management Inc., sub-adviser.

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 29


Investing In	Investment Objective and Policies	Investment Adviser
Wells Fargo Advantage VT Opportunity Fund – Class 2	Seeks long-term capital appreciation.	Wells Fargo Funds Management, LLC, adviser; Wells Capital Management Inc., sub-adviser.

Wells Fargo Advantage VT Small Cap Growth Fund – Class 2	Seeks long-term capital appreciation.	Wells Fargo Funds Management, LLC, adviser; Wells Capital Management Inc., sub-adviser.

Western Asset Variable Global High Yield Bond Portfolio – Class II	Seeks to maximize total return.	Legg Mason Partners Fund Adviser, LLC; Western Asset Management Company, Western Asset Management Company Limited & Western Asset Management Pte. Ltd., sub-advisers.

The Fixed Account

You also may allocate purchase payments and purchase payment credits or transfer contract value to the fixed account. We back the principal and interest guarantees relating to the fixed account. These guarantees are based on the continued claims-paying ability of the company. The value of the fixed account increases as we credit interest to the account. Purchase payments and transfers to the fixed account become part of our general account. You should be aware that our general account is exposed to the risks normally associated with a portfolio of fixed-income securities, including interest rate, option, liquidity and credit risk. You should also be aware that we issue other types of insurance and financial products as well, and we also pay our obligations under these products from 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. We credit and compound interest daily based on a 365-day year so as to produce the annual effective rate which we declare. We do not credit interest on leap days (Feb. 29). The interest rate we apply to each purchase payment or transfer to the fixed account is guaranteed for one year. Thereafter, we will change the rates from time to time at our discretion. These rates will be based on various factors including, but not limited to, the interest rate environment, returns earned on investments backing these annuities, the rates currently in effect for new and existing RiverSource Life annuities, product design, competition, and RiverSource Life’s revenues and expenses.

Interests in the fixed account are not required to be registered with the SEC. The SEC staff does not review the disclosures in this prospectus on the fixed account. Disclosures regarding the fixed account, however, may be subject to certain generally applicable provisions of the federal securities laws relating to the accuracy and completeness of statements made in prospectuses. (See “Making the Most of Your Contract — Transfer policies” for restrictions on transfers involving the fixed account.)

Buying Your Contract

New contracts are not currently being offered.

The contract provides for allocation of purchase payments and purchase payment credits to the subaccounts of the variable account and/or to the fixed account in tenth of percent increments. For contracts issued on or after July 1, 2003, we reserve the right to limit the amount of any purchase payment allocated to the fixed account to 30% of the purchase payment although currently we allow more than 30% of a purchase payment to be so allocated to the fixed account.

We will credit additional purchase payments you make to your accounts on the valuation date we receive them. If we receive an additional purchase payment at our corporate office before the close of business, we will credit any portion of that payment allocated to the subaccounts using the accumulation unit value we calculate on the valuation date we received the payment. If we receive an additional purchase payment at our corporate office at or after the close of business, we will credit any portion of that payment allocated to the subaccounts using the accumulation unit value we calculate on the next valuation date after we received the payment.

30 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS

THE SETTLEMENT DATE

Annuity payouts are scheduled to begin on the settlement date. This means that the contract will be annuitized (converted to a stream of monthly payments), and the first payment will be sent on the settlement date. If your contract is annuitized, the contract goes into payout mode and only the annuity payout provisions continue. Unless Annuity Payout Plan E is elected, you will no longer have access to your contract value. In addition, the death benefit and any optional benefits you have elected will end. When we processed your application, we established the settlement date as the maximum age (or contract anniversary, if applicable). We have established a new maximum age (or contract anniversary) as described below. You also can change the settlement date, provided you send us written instructions at least 30 days before annuity payouts begin.

Six months prior to your settlement date, we will contact you with your options, including the option to postpone your annuitization start date to a future date. If you do not make an election, annuity payouts, using the contract’s default option of Annuity Payout Plan B — life annuity with 10 years certain will begin on the settlement date and your monthly annuity payments will continue for as long as you live. If the annuitant does not survive 10 years, payments will continue until 10 years of payments have been made.

BENEFICIARY

If death benefits become payable before the settlement date while the contract is in force and before annuity payouts begin, we will pay the death benefit to your named beneficiary. If there is more than one beneficiary we will pay each beneficiary’s designated share when we receive their complete claim. A beneficiary will bear the investment risk of the variable account until we receive the beneficiary’s complete claim. If there is no named beneficiary, then the default provisions of your contract will apply. (See “Benefits in Case of Death” for more about beneficiaries.)

PURCHASE PAYMENTS

Minimum allowable purchase payments*

If paying by installments under a scheduled payment plan:

$50 per month


	RAVA Advantage		RAVA Select


If paying by any other method:

initial payment for qualified annuities	$	1,000	$	2,000

initial payment for nonqualified annuities		2,000		10,000

for any additional payments		50		50


*		Installments must total at least $600 in the first year. If you do not make any purchase payments for 24 months, and your previous payments total $600 or less, we have the right to give you 30 days’ written notice and pay you the total value of your contract in a lump sum. This right does not apply to contracts in Illinois and New Jersey.

Maximum allowable annual purchase payments** based on the age of you or the annuitant, whoever is older, on the effective date of the contract:


	RAVA Advantage		RAVA Select


through age 85		100,000		100,000

for ages 86 to 90		50,000		50,000


**		These annual contribution limits apply in total to all RiverSource Life annuities you own. We reserve the right to increase maximum limits. For qualified annuities the tax-deferred retirement plan’s or the Code’s limits on annual contributions also apply.

We will consider your contract void from the start if we do not receive initial purchase payment within 180 days from the application signed date. Purchase payment amounts and purchase payment timing may vary by state and may be limited under the terms of your contract. For RAVA Advantage, except for TSAs, purchase payments are limited and may not be made after the third contract anniversary in Massachusetts, Washington and Oregon.

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 31

Subject to state law limitations, we reserve the right to not accept purchase payments allocated to the fixed account for twelve months following either:

1. a partial surrender from the fixed account; or

2. a lump sum transfer from the fixed account to a subaccount.

HOW TO MAKE PURCHASE PAYMENTS

1 By letter

Send your check along with your name and contract number to:

RiverSource Life Insurance Company
70200 Ameriprise Financial Center
Minneapolis, MN 55474

2 By scheduled payment plan

We can help you set up:


•	an automatic payroll deduction, salary reduction or other group billing arrangement; or

•	a bank authorization.

PURCHASE PAYMENT CREDITS

For RAVA Advantage: we add a credit to your contract in the amount of:


•	1% of each purchase payment received:


	–	if you elect the ten-year surrender charge schedule for your contract*; or

	–	if you elect the seven-year surrender charge schedule for your contract and your initial purchase payment to the contract is at least $100,000.


•	2% of each purchase payment received if you elect the ten-year surrender charge schedule for your contract* and your initial purchase payment to the contract is at least $100,000.

Surrender charges under RAVA Advantage may be higher and longer than those for contracts that do not have purchase payment credits. The amount of the credits may be more than offset by the additional charges associated with them. Because of higher charges, there could be circumstances where you may be worse off purchasing one of these contracts with the credits than purchasing other contracts. All things being equal (such as fund performance and availability), this may occur if you select the ten-year surrender charge and you make a full surrender in years five through ten. We pay for the credits under RAVA Advantage primarily through revenue from a higher and longer surrender charge schedule and through lower costs associated with larger sized contracts, including lower compensation paid on the sales of these contracts.

For RAVA Select: we add a credit to your contract in the amount of 1% of each purchase payment received in the first contract year if your initial purchase payment to the contract is at least $250,000.

To the extent a death benefit or surrender payment includes purchase payment credits applied within twelve months preceding: (1) the date of death that results in a lump sum death benefit under this contract; or (2) a request for surrender charge waiver due to Hospital or Nursing Home Confinement, we will assess a charge, similar to a surrender charge, equal to the amount of the purchase payment credits.* The amount we pay to you under these circumstances will always equal or exceed your surrender value.

Expenses under RAVA Select may be higher than those for contracts that do not have purchase payment credits. The amount of the credits may be more than offset by the additional charges associated with them. Because of higher charges, you may be worse off purchasing this contract. We pay for the credits under RAVA Select primarily through lower costs associated with larger sized contracts, including lower compensation paid on the sales of these contracts.

We fund all credits from our general account. We do not consider credits to be “investments” for income tax purposes. (See “Taxes.”)

32 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS


*		The ten-year surrender charge under RAVA Advantage is not available in Oregon. Contracts purchased in Oregon are only eligible for a 1% purchase payment credit if the initial purchase payment is at least $100,000. For contracts purchased in Oregon, we will not assess a charge equal to the amount of the purchase payment credits upon payment of a death benefit or surrender.

We reserve the right to increase the amount of the credit for certain groups of contract owners. The increase will not be greater than 8% of total net purchase payments. We would pay for increases in credit amounts primarily through reduced expenses expected from such groups.

LIMITATIONS ON THE USE OF CONTRACTS

If mandated by applicable law, including, but not limited to, federal anti-money laundering laws, we may be required to reject a purchase payment. We may also be required to block an owner’s access to contract 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 governmental authority or a court of competent jurisdiction.

Charges

CONTRACT ADMINISTRATIVE CHARGE

We charge this fee for establishing and maintaining your records. We deduct $30 from the contract value of RAVA Advantage or RAVA Select on your contract anniversary at the end of each contract year. Subject to state regulatory requirements, we prorate this charge among the subaccounts and the fixed account in the same proportion your interest in each account bears to your total contract value.

We will waive this charge when your contract value, or total purchase payments less any payments surrendered, is $50,000 or more on the current contract anniversary.

MORTALITY AND EXPENSE RISK FEE

We charge this fee daily to the subaccounts. The unit values of your subaccounts reflect this fee, which is a percentage of their average daily net assets, on an annual basis as follows:


	RAVA Advantage			RAVA Select


For nonqualified annuities		0.95	%		1.20	%

For qualified annuities		0.75	%		1.00	%

This fee covers the mortality and expense risk that we assume. This fee does not apply to the fixed account.

The subaccounts pay us the mortality and expense risk fee they accrued as follows:


•	first, to the extent possible, the subaccounts pay this fee from any dividends distributed from the funds in which they invest;

•	then, if necessary, the funds redeem shares to cover any remaining fees payable.

MAV RIDER FEE

We charge a fee for the optional feature only if you select it⁽¹⁾. If selected, we deduct an annual fee of 0.25%⁽²⁾ of your contract value of RAVA Advantage or RAVA Select on your contract anniversary at the end of each contract year. We prorate

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 33

this fee among the subaccounts and fixed accounts in the same proportion your interest in each account bears to your total contract value.

If the contract terminates for any reason except death or at the settlement date, we will deduct this fee, adjusted for the number of calendar days coverage was in place. If you choose to drop this rider on an anniversary (subject to the restrictions given in “Optional Benefits”), we will deduct this fee on that anniversary. We cannot increase this annual fee after the rider effective date, and it does not apply after annuity payouts begin or when we pay death benefits.

EEB RIDER FEE

We charge a fee for the optional feature only if you select it⁽¹⁾. If selected, we deduct an annual fee of 0.30% of your contract value of RAVA Advantage or RAVA Select on your contract anniversary at the end of each contract year. We prorate this fee among the subaccounts and fixed accounts in the same proportion your interest in each account bears to your total contract value.

EEP RIDER FEE

We charge a fee for the optional feature only if you select it⁽¹⁾. If selected, we deduct an annual fee of 0.40% of your contract value of RAVA Advantage or RAVA Select on your contract anniversary at the end of each contract year. We prorate this fee among the subaccounts and fixed accounts in the same proportion your interest in each account bears to your total contract value.


⁽¹⁾		You may select any one of the MAV, EEB or EEP riders. Or you may select the MAV and either the EEB or the EEP. However, you cannot select both the EEB and the EEP. Riders may not be available in all states. The MAV, EEB and EEP riders are only available if you and the annuitant are age 75 or younger at the rider effective date. EEP is only available on contracts purchased through a transfer or exchange.
⁽²⁾		For contracts purchased before May 1, 2003, the MAV rider fee for RAVA Advantage and RAVA Select is 0.15%.

PN RIDER FEE

Before May 10, 2010, we deducted our annual charge of 0.10% of your contract value less any excluded accounts on your contract anniversary at the end of each contract year. This fee is no longer applicable beginning May 10, 2010.

SURRENDER CHARGE

If you surrender all or part of your contract, you may be subject to a surrender charge. For RAVA Advantage, a surrender charge applies if all or part of the surrender amount is from purchase payments we received within seven or ten years before surrender. For RAVA Select, a surrender charge applies if you surrender all or part of your purchase payments in the first three contract years. You select the surrender charge period at the time of your application for the contract. The surrender charge percentages that apply to you are shown in your contract.

You may surrender an amount during any contract year without a surrender charge. We call this amount the Total Free Amount (TFA). The TFA is defined as the greater of:


•	10% of the contract value on the prior contract anniversary, and

•	current contract earnings.

NOTE: We determine current contract earnings by looking at the entire contract value, not the earnings of any particular subaccount or the fixed account.

Amounts surrendered in excess of the TFA may be subject to a surrender charge as described below.

Surrender charge under RAVA Advantage:

For purposes of calculating any surrender charge under RAVA Advantage, we treat amounts surrendered from your contract value in the following order:


1.	First, we surrender the TFA. We do not assess a surrender charge on the TFA.

2.	Next, we surrender purchase payments received prior to the surrender charge period you selected and shown in your contract. We do not assess a surrender charge on these purchase payments.

34 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS


3.	Finally, if necessary, we surrender purchase payments received that are still within the surrender charge period you selected and shown in your contract. We surrender these payments on a first-in, first-out (FIFO) basis. We do assess a surrender charge on these payments.

We determine your surrender charge by multiplying each of your payments surrendered by the applicable surrender charge percentage, and then adding the total surrender charges.

The surrender charge percentage depends on the number of years since you made the payments that are surrendered, depending on the schedule you selected*:


				Ten-year schedule*
				Number of
				completed years
Seven-year schedule				from date
Number of completed years from	Surrender charge			of each	Surrender charge
date of each purchase payment	percentage			purchase payment	percentage


0		7	%	0		8	%

1		7		1		8

2		7		2		8

3		6		3		7

4		5		4		7

5		4		5		6

6		2		6		5

7		0		7		4

				8		3

				9		2

				10		0


*		The ten-year surrender charge schedule under RAVA Advantage is not available in Oregon. For contracts issued in Massachusetts, Oregon and Washington, we waive surrender charges after the tenth contract anniversary regardless of when payments are made.

Surrender charge under RAVA Select (in Texas RAVA Select contracts issued prior to 11/7/2002):

For purposes of calculating any surrender charge under RAVA Select, we treat amounts surrendered from your contract value in the following order:


1.	First, we surrender the TFA. We do not assess a surrender charge on the TFA.

2.	Next, if necessary, we surrender purchase payments. We do assess a surrender charge on these payments during the first three contract years as follows:


Contract year	Surrender charge percentage


1		7	%

2		7

3		7

Thereafter		0

Surrender charge under RAVA Select contracts issued in Texas on or after 11/7/2002:

For purposes of calculating any surrender charge under RAVA Select in Texas, we treat amounts surrendered from your contract value in the following order:


1.	First, we surrender the TFA. We do not assess a surrender charge on the TFA.

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 35


2.	Next, if necessary, we surrender purchase payments. We surrender amounts from the oldest purchase payments first. We do assess a surrender charge on these payments during the first three contract years as follows:


			Surrender charge percentage
			(as a percentage of purchase payments surrendered)
			in contract year
Payments made in contract year			1			2			3			Thereafter


	1			8	%		7	%		6	%		0	%

	2						8			7			0

	3									8			0

	T	hereafter											0

Partial surrenders under RAVA Advantage and RAVA Select

For an example, see Appendix A.


	Assumed investment rate
	3.50%	5.00%


Qualified annuity discount rate	4.72%	6.22%

Nonqualified annuity discount rate	4.92%	6.42%

Waiver of surrender charges

We do not assess surrender charges for:


•	surrenders of any contract earnings;

•	surrenders of amounts totaling up to 10% of the contract value on the prior contract anniversary to the extent it exceeds contract earnings;

•	For RAVA Advantage, amounts surrendered after the tenth contract anniversary in Massachusetts, Washington and Oregon;

•	to the extent that they exceed the greater of contract earnings or 10% of the contract value on the prior contract anniversary, required minimum distributions from a qualified annuity. The amount on which surrender charges are waived can be no greater than the RMD amount calculated under your specific contract currently in force;

•	contracts settled using an annuity payout plan, unless an Annuity Payout Plan E is later surrendered;

•	amounts we refund to you during the free look period*;

•	death benefits*; and

•	surrenders you make under your contract’s “Waiver of Surrender Charges for Hospital or Nursing Home Confinement” provision*. To the extent permitted by state law, this provision applies when you are under age 76 on the date that we issue the contract. Under this provision, we will waive surrender charges that we normally assess upon full or partial surrender. Under RAVA Advantage, you must provide proof satisfactory to us that, as of the date you request the surrender, you or the annuitant are confined to a nursing home and have been for the prior 90 days and the confinement began after the contract date. Under RAVA Select, you must provide proof satisfactory to us that, as of the date you request the surrender, you or your spouse are confined to a nursing home or hospital and have been for 90 straight days and the confinement began after the contract date. (See your contract for additional conditions and restrictions on this waiver.)


^*		However, we will reverse certain purchase payment credits. (See “Buying your contract — Purchase payment credits.”)

36 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS

FUND FEES AND EXPENSES

There are deductions from and expenses paid out of the assets of the funds that are described in the prospectuses for those funds. (See “Annual Operating Expenses of the Funds.”)

PREMIUM TAXES

Valuing Your Investment

We value your accounts as follows:

FIXED ACCOUNT

We value the amounts you allocated to the fixed account directly in dollars. The fixed account value equals:


•	the sum of your purchase payments and purchase payment credits and transfer amounts allocated to the fixed account;

•	plus interest credited;

•	minus the sum of amounts surrendered (including any applicable surrender charges) and amounts transferred out;

•	minus any prorated portion of the contract administrative charge;

•	minus any prorated portion of the MAV rider charge (if selected);

•	minus any prorated portion of the EEB rider charge (if selected); and

•	minus any prorated portion of the EEP rider charge (if selected).

SUBACCOUNTS

We convert amounts you allocated to the subaccounts into accumulation units. Each time you make a purchase payment or transfer amounts into one of the subaccounts or we apply any purchase payment credits to a subaccount, we credit a certain number of accumulation units to your contract for that subaccount. Conversely, we subtract a certain number of accumulation units from your contract each time you take a partial surrender, transfer amounts out of a subaccount, or we assess a contract administrative charge or charge for any optional riders with annual charges (if applicable).

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 accrued income or capital gain dividends to obtain a current adjusted net asset value per share; then

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

•	subtracting the percentage factor representing the mortality and expense risk fee from the result.

Because the net asset value of the fund may fluctuate, the accumulation unit value may increase or decrease. You bear all the investment risk in a subaccount.

Factors that affect subaccount accumulation units: accumulation units may change in two ways — in number and in value. The number of accumulation units you own may fluctuate due to:


•	additional purchase payments you allocate to the subaccounts;

•	any purchase payment credits allocated to the subaccounts;

•	transfers into or out of the subaccounts;

•	partial surrenders;

•	surrender charges;

and a deduction of:


•	a prorated portion of the contract administrative charge;

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 37


•	a prorated portion of the MAV rider charge (if selected);

•	a prorated portion of the EEB rider charge (if selected); and/or

•	a prorated portion of the EEP rider charge (if selected).

Accumulation unit values will fluctuate due to:


•	changes in fund net asset value;

•	fund dividends distributed to the subaccounts;

•	fund capital gains or losses;

•	fund operating expenses; and

•	mortality and expense risk fees.

Making the Most of Your Contract

AUTOMATED DOLLAR-COST AVERAGING

This systematic approach can help you benefit from fluctuations in accumulation unit values caused by fluctuations in the market values of the funds. Since you invest the same amount each period, you automatically acquire more units when the market value falls and fewer units when it rises. You may not set up automated transfer if the PN program is in effect. The potential effect is to lower your average cost per unit.

How dollar-cost averaging works


						Accumulation		Number
				Amount		unit		of units
By investing an equal number of dollars each month...		Month		invested		value		purchased


			Jan	$	100	$	20		5.00

			Feb		100		18		5.56

you automatically buy			Mar		100		17		5.88
more units when the	(ARROW)		Apr		100		15		6.67

per unit market price is low...			May		100		16		6.25

			Jun		100		18		5.56

			Jul		100		17		5.88

and fewer units			Aug		100		19		5.26
when the per unit	(ARROW)		Sept		100		21		4.76

market price is high.			Oct		100		20		5.00

You paid an average price of $17.91 per unit over the 10 months, while the average market price actually was $18.10.

ASSET REBALANCING

You can ask us in writing to have the variable subaccount portion of your contract value allocated according to the percentages (in tenth of a percent amounts) that you choose. We automatically will rebalance the variable subaccount portion of your contract value either quarterly, semiannually, or annually. The period you select will start to run on the date we record your request. On the first valuation date of each of these periods, we automatically will rebalance your contract value so that the value in each subaccount matches your current subaccount percentage allocations. These percentage allocations must be in numbers with no more than one digit past the decimal. Asset rebalancing does not apply to the fixed account. There is no charge for asset rebalancing. The contract value must be at least $2,000.

38 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS

method acceptable to us, to stop rebalancing your contract value. You must allow 30 days for us to change any instructions that currently are in place. For more information on asset rebalancing, contact your financial advisor.

Different rules apply to asset rebalancing under the Portfolio Navigator program (see “Portfolio Navigator Program” below).

PORTFOLIO NAVIGATOR PROGRAM (PN PROGRAM)

If you are participating in the PN program, your contract value is allocated to a PN program investment option. The PN program investment options are currently five funds of funds, each of which invests in underlying funds in proportions that vary among the funds of funds in light of each fund of funds’ investment objective (“Portfolio Navigator funds”). You do not need to participate in the PN program to allocate your contract value to one or more Portfolio Navigator funds available under the PN program. You may choose to discontinue your participation in the PN program at any time.

The PN program also allows those who participated in a previous version of the PN program and who previously opted out of the transfer of their contract value to Portfolio Navigator funds to remain invested in accordance with a “static” PN program model portfolio investment option that is not subject to updating or reallocation. For more information on the static model portfolios, see “The static model portfolios” below.

The Portfolio Navigator funds. Each Portfolio Navigator fund is a fund of funds with the investment objective of seeking a high level of total return consistent with a certain level of risk, which it seeks to achieve by investing in various underlying funds. Descriptions of each Portfolio Navigator fund’s risk level should be viewed in relation to the risk levels of the other Funds. The Portfolio Navigator funds have relative risk profiles ranging from Conservative to Aggressive, and are managed within asset class allocation targets and with a broad multi-manager approach. Columbia Management is the investment adviser of each of the Portfolio Navigator funds, and Columbia Management is the investment adviser of each of the underlying funds in which the Funds invest. Columbia Management will take actions it deems appropriate to position the Portfolio Navigator funds to achieve their investment objectives, including investing in any underlying fund, adding new underlying funds, and altering target allocations as necessary. Some of the underlying funds are managed on a day-to-day basis directly by Columbia Management and some are managed by one or more affiliated or unaffiliated sub-advisers, subject to the oversight of Columbia Management and the Funds’ boards of trustees.

Below are the target asset allocation ranges (between the relevant asset classes) for each of the Portfolio Navigator funds:

1. Variable Portfolio – Aggressive Portfolio: 70-85% Equity / 10-25% Fixed Income / 0-5% Cash/Cash Equivalents / 0-10% Alternative Strategies

2. Variable Portfolio – Moderately Aggressive Portfolio: 55-70% Equity / 25-40% Fixed Income / 0-5% Cash/Cash Equivalents / 0-10% Alternative Strategies

3. Variable Portfolio – Moderate Portfolio: 40-55% Equity / 40-55% Fixed Income / 0-5% Cash/Cash Equivalents / 0-10% Alternative Strategies

4. Variable Portfolio – Moderately Conservative Portfolio: 25-40% Equity / 50-65% Fixed Income / 0-10% Cash/Cash Equivalents / 0-10% Alternative Strategies

5. Variable Portfolio – Conservative Portfolio: 10-25% Equity / 60-75% Fixed Income / 5-15% Cash/Cash Equivalents /0-10% Alternative Strategies

In managing the Portfolio Navigator funds, Columbia Management considers the independent analysis of Morningstar Associates, LLC (Morningstar), an independent investment consultant, on a broad range of aspects relating to the management of the Funds, including but not limited to the performance of the underlying funds. Columbia Management retains full discretion over the Portfolio Navigator funds’ investment activities. Neither Columbia Management nor Morningstar serves as your investment adviser as to the allocation of your contract value to a Portfolio Navigator fund.

For additional information about the Portfolio Navigator funds’ investment strategies, see the Funds’ prospectus.

PN Program static model portfolios. If you have chosen to remain invested in a “static” PN program model portfolio, your assets will remain invested in accordance with your current model portfolio, and you will not be provided with any updates to the model portfolio or reallocation recommendations. (The last such reallocation recommendation was provided in 2009.) Each model portfolio consists of underlying funds in accordance with the allocation percentages stated for the model portfolio. By participating in the PN program through a model portfolio, you have instructed us to automatically rebalance your contract value quarterly in order to maintain alignment with these allocation percentages.

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 39

appropriate for your needs, even though your allocations to underlying funds do not change. Furthermore, the absence of periodic updating means that existing underlying funds will not be replaced as may be appropriate due to poor performance, changes in management personnel, or other factors. Your investment professional can help you determine whether your continued investment in a static model portfolio is appropriate for you.

Participating in the PN program. You are responsible for determining which investment option is best for you. Your financial advisor can help you make this determination. In addition, your financial advisor may provide you with an investor questionnaire, a tool to help define your investing style that is based on factors such as your investment goals, your tolerance for risk and how long you intend to invest. Your responses to the investor questionnaire can help you determine which model portfolio or investment option most closely matches your investing style. While the scoring of the investor questionnaire is objective, there is no guarantee that your responses to the investor questionnaire accurately reflect your tolerance for risk. Similarly, there is no guarantee that the investment option (or the asset mix reflected in the model portfolio, if applicable) you select or have selected after completing the investor questionnaire is appropriate to your ability to withstand investment risk. RiverSource Life is not responsible for your decision to participate in the PN program, your selection of a specific investment option or model portfolio, if applicable, or your decision to change to a different investment option.

Currently, there are five Portfolio Navigator funds (and under the previous PN program five static model portfolio investment options) ranging from conservative to aggressive. You may not use more than one investment option or model portfolio at a time. Each investment option is a fund of funds. Each model portfolio consists of subaccounts and/or the fixed account (if included) according to the allocation percentages stated for the model portfolio. If you are participating in the PN program in a model portfolio, you also instruct us to automatically rebalance your contract value quarterly in order to maintain alignment with these allocation percentages.

You may request a change to your fund of funds (or a transfer to a fund of funds) up to twice per contract year by written request on an authorized form or by another method agreed to by us. We reserve the right to change the terms and conditions of the PN program upon written notice to you. This includes but is not limited to the right to:


•	limit your choice of investment options based on the amount of your initial purchase payment we accept or when you take a surrender;

•	substitute a fund of funds for your model portfolio, if applicable, if permitted under applicable securities law; and

•	discontinue the PN program after 30 days’ written notice.

Risks and conflicts of interests associated with the Portfolio Navigator funds and PN program static model portfolios. An investment in a Fund involves risk. Principal risks associated with an investment in a Portfolio Navigator fund may be found in the relevant Fund’s prospectus. There is no assurance that the Funds will achieve their respective investment objectives. In addition, there is no guarantee that the Fund’s strategy will have its intended effect or that it will work as effectively as is intended.

Investing in a Portfolio Navigator fund or PN program static model portfolio does not guarantee that your contract will increase in value nor will it protect in a decline in value if market prices fall. Depending on future market conditions and considering only the potential return on your investment in the Fund, you might benefit (or benefit more) from selecting alternative investment options.

For a complete list of the risks associated with investing in the Portfolio Navigator funds, please consult the applicable Fund’s prospectus.

Conflicts of interest regarding the Portfolio Navigator funds. In providing investment advisory services for the Portfolio Navigator 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. For additional information regarding the conflicts of interest to which Columbia Management may be subject, see the Funds’ prospectuses.

Shares of the Portfolio Navigator funds are currently available solely to our contract holders, including where the contract holder has elected a guaranteed benefit rider that requires investment in the Fund. We are an affiliate of Ameriprise Financial, Inc., which is the parent company of Columbia Management, the Funds’ investment manager. We have financial obligations to holders of the riders arising from guarantee obligations under such riders, which vary based upon the investment performance of the Fund.

We or our affiliates receive from each of the underlying funds, or their affiliates, compensation including but not limited to expense payments and non-cash compensation as a result of our decision to make such funds available as investment options in which your contract value may be invested. See “The Variable Account and the Funds — Revenue we receive from the funds and potential conflicts of interest”.

40 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS

underlying funds which are managed by Columbia Management or its affiliate and for which we may receive compensation. We or our affiliates receive compensation from Columbia Management or its affiliates as a result of our decision to include funds managed by Columbia Management or its affiliates as underlying funds in which your contract value may be invested.

TRANSFERRING AMONG ACCOUNTS

The transfer rights discussed in this section do not apply while the PN program is in effect.

You may transfer contract value from any one subaccount, or the fixed account, to another subaccount before annuity payouts begin. Certain restrictions apply to transfers involving the fixed account.

When your request to transfer will be processed depends on when we receive it:


•	If we receive your transfer request at our corporate office 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 corporate office 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.

There is no charge for transfers. Before making a transfer, you should consider the risks involved in changing investments.

Subject to state regulatory requirements, we may suspend or modify transfer privileges at any time.

For more information on transfers after annuity payments begin, see “Transfer Policies” below.

Transfer policies


•	Before annuity payouts begin, you may transfer contract values between the subaccounts. You may also transfer contract values from the subaccounts to the fixed account. However, if you made a transfer from the fixed account to the subaccounts, you may not make a transfer from any subaccount back to the fixed account until the next contract anniversary. For contracts issued on or after July 1, 2003, currently you may transfer any amount of contract value to the fixed account. However, we reserve the right to limit the amount transferred to the fixed account so that the value of the fixed account after the transfer is not greater than 30% of the contract value.

•	You may transfer contract values from the fixed account to the subaccounts once a year during a 31-day transfer period starting on each contract anniversary (except for automated transfers, which can be set up at any time for certain transfer periods subject to certain minimums). For contracts issued on or after July 1, 2003, the transfers out of the fixed account are limited to the greater of: a) 30% of the fixed account value at the beginning of the contract year, or b) the amount transferred out of the fixed account in the previous contract year, excluding any automated transfer amounts. Because of this limitation, it may take you several years to transfer all your contract value from the fixed account. You should carefully consider whether the fixed account meets your investment criteria before you invest.

•	If we receive your request within 30 days before the contract anniversary date, the transfer from the fixed account to the subaccounts will be effective on the anniversary.

•	If we receive your request on or within 30 days after the contract anniversary date, the transfer from the fixed account to the subaccounts will be effective on the valuation date we receive it.

•	We will not accept requests for transfers from the fixed account at any other time.

•	Once annuity payouts begin, you may not make transfers to or from the fixed account, but you may make transfers once per contract year among the subaccounts. During the annuity payout period, you cannot invest in more than five subaccounts at any one time unless we agree otherwise.

Market Timing

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 contract 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 contract. 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 contract, 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.

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 41

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.


•	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 any automated transfer program to exclude a restricted fund if you do not provide new instructions.

42 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS

fee imposed by an underlying fund. Market timing policies and procedures adopted by underlying funds may affect your investment in the contract 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 contract, 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 disregard transfers permitted under any asset allocation, dollar-cost averaging and asset rebalancing programs 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.

•	Each underlying fund is responsible for its own market timing policies, 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 contract 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.

HOW TO REQUEST A TRANSFER OR SURRENDER

1 By letter

Send your name, contract number, Social Security Number or Taxpayer Identification Number* and signed request for a transfer or surrender to:

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

Minimum amount

Transfers or surrenders: $250 or entire account balance

Maximum amount

Transfers or surrenders: Contract value or entire account balance


^*		Failure to provide your Social Security Number or Taxpayer Identification Number may result in mandatory tax withholding on the taxable portion of the distribution.

2 By automated transfers and automated partial surrenders

Your financial advisor can help you set up automated transfers among your subaccounts or fixed account or partial surrenders from the accounts.

You can start or stop this service by written request or other method acceptable to us. You must allow 30 days for us to change any instructions that are currently in place.


•	Automated transfers from the fixed account to any one of the subaccounts may not exceed an amount that, if continued, would deplete the fixed account within 12 months.

•	Automated surrenders may be restricted by applicable law under some contracts.

•	You may not make additional purchase payments if automated partial surrenders are in effect.

•	Automated partial surrenders may result in IRS taxes and penalties on all or part of the amount surrendered.

•	The balance in any account from which you make an automated transfer or automated partial surrender must be sufficient to satisfy your instructions. If not, we will suspend your entire automated arrangement until the balance is adequate.

•	If we must suspend your automated transfer or automated partial surrender arrangement for six months, we reserve the right to discontinue the arrangement in its entirety.

•	If the PN program is in effect, you are not allowed to set up an automated transfer.

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 43

Minimum amount

Transfers or surrenders: $50

Maximum amount

Transfers or surrenders: None (except for automated transfers from the fixed account)

3 By telephone

Call:
1-800-862-7919

Minimum amount

Transfers or surrenders: $250 or entire account balance

Maximum amount

Transfers: Contract value or entire account balance

Surrenders: $100,000

We answer telephone requests promptly, but you may experience delays when the call volume is unusually high. If you are unable to get through, use the mail procedure as an alternative.

Telephone transfers or surrenders are automatically available. You may request that telephone transfers or surrenders not be authorized from your account by writing to us.

Surrenders

You may surrender all or part of your contract at any time before annuity payouts begin by sending us a written request or calling us. We will process your surrender request on the valuation date we receive it. If we receive your surrender request in good order at our corporate office 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 corporate office 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. We may ask you to return the contract. You may have to pay a contract administrative charge, surrender charges, or any applicable optional rider charges (see “Charges”). Federal income taxes and penalties as well as state and local income taxes may apply (see “Taxes”). You cannot make surrenders after annuity payouts begin except under Plan E (see “The Annuity Payout Period — Annuity Payout Plans”).

Any partial surrenders you take under the contract will reduce your contract value. As a result, the value of your death benefit or any optional benefits you have elected also will be reduced. In addition, surrenders you are required to take to satisfy the RMDs under the Code may reduce the value of certain death benefits and optional benefits (see “Taxes — Qualified Annuities — Required Minimum Distributions”).

SURRENDER POLICIES

RECEIVING PAYMENT

1 By regular or express mail


•	payable to you;

•	mailed to address of record.

NOTE: We will charge you a fee if you request express mail delivery.

44 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS

2 By wire or other form of electronic payment


•	request that payment be wired to your bank;


•	pre-authorization required.

NOTE: We will charge you a fee if you request that payment be wired to your bank. For instructions, please contact your financial advisor.

Normally, we will send the payment within seven days after receiving your request in good order. However, we may postpone the payment if:


	–	the surrender amount includes a purchase payment check that has not cleared;

	–	the NYSE is closed, except for normal holiday and weekend closings;

	–	trading on the NYSE is restricted, according to SEC rules;

	–	an emergency, as defined by SEC rules, makes it impractical to sell securities or value the net assets of the accounts; or

	–	the SEC permits us to delay payment for the protection of security holders.

TSA — Special Provisions

PARTICIPANTS IN TAX-SHELTERED ANNUITIES

If the contract is intended to be used in connection with an employer sponsored 403(b) plan, additional rules relating to this contract can be found in the annuity endorsement for tax sheltered 403(b) annuities. Unless we have made special arrangements with your employer, the contract is not intended for use in connection with an employer sponsored 403(b) plan that is subject to the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). In the event that the employer either by affirmative election or inadvertent action causes contributions under a plan that is subject to ERISA to be made to this contract, we will not be responsible for any obligations and requirements under ERISA and the regulations thereunder unless we have prior written agreement with the employer. You should consult with your employer to determine whether your 403(b) plan is subject to ERISA.

In the event we have a written agreement with your employer to administer the plan pursuant to ERISA, special rules apply as set forth in the TSA endorsement.

The Code imposes certain restrictions on your right to receive early distributions from a TSA:


•	Distributions attributable to salary reduction contributions (plus earnings) made after Dec. 31, 1988, or to transfers or rollovers from other contracts, may be made from the TSA only if:


	–	you are at least age 591/2;

	–	you are disabled as defined in the Code;

	–	you severed employment with the employer who purchased the contract;

	–	the distribution is because of your death;

	–	distribution is due to plan termination; or

	–	you are a military reservist.


•	If you encounter a financial hardship (as provided by the Code), you may be eligible to receive a distribution of all contract values attributable to salary reduction contributions made after Dec. 31, 1988, but not the earnings on them.

•	Even though a distribution may be permitted under the above rules, it may be subject to IRS taxes and penalties (see “Taxes”).

•	The above restrictions on distributions do not affect the availability of the amount credited to the contract as of Dec. 31, 1988. The restrictions also do not apply to transfers or exchanges of contract value within the contract, or to another registered variable annuity contract or investment vehicle available through the employer.

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 45


•	If the contract has a loan provision, the right to receive a loan is described in detail in your contract.

Changing Ownership

You may change ownership of your nonqualified annuity at any time by completing a change of ownership form we approve and sending it to our corporate office. The change will become binding on us when we receive and record it. We will honor any change of ownership request in good order that we believe is authentic and we will use reasonable procedures to confirm authenticity. If we follow these procedures, we will not take any responsibility for the validity of the change.

Please consider carefully whether or not you wish to change ownership of your nonqualified annuity if you have elected the MAV, EEB or EEP. If you change ownership of your contract, we will terminate the EEP. This includes both the EEP Part I benefits and the EEP Part II benefits. (See the description of these terms in “Optional Benefits.”) In addition, the terms of the EEB and the MAV will change due to a change of ownership. If either the new owner or the annuitant is older than age 75, the EEB will terminate. Otherwise, the EEB will effectively “start over”. We will treat the EEB as if it is issued on the day the change of ownership is made, using the attained age of the new owner as the “issue age” to determine the benefit levels. The account value on the date of the ownership change will be treated as a “purchase payment” in determining future values of “earnings at death” under the EEB. If either the new owner or the annuitant is older than age 75, the MAV will terminate. If the MAV on the date of ownership change is greater than the account value on the date of the ownership change, the MAV will be set equal to the account value. Otherwise, the MAV value will not change due to a change in ownership. Please see the descriptions of these riders in “Optional Benefits.”

If you have a nonqualified annuity, you may incur income tax liability by transferring, assigning or pledging any part of it. (See “Taxes.”)

If you have a qualified annuity, you may not sell, assign, transfer, discount or pledge your contract as collateral for a loan, or as security for the performance of an obligation or for any other purpose except as required or permitted by the Code. However, if the owner is a trust or custodian, or an employer acting in similar capacity, ownership of the contract may be transferred to the annuitant.

Benefits in Case of Death — Standard Death Benefit

We will pay the death benefit to your beneficiary upon the earlier of your death or the annuitant’s death if you die before the settlement date while this contract is in force. If a contract has more than one person as the owner, we will pay benefits upon the first to die of any owner or the annuitant.

If both you and the annuitant are age 80 or younger on the date of death, the beneficiary receives the greatest of:


•	contract value, less any purchase payment credits subject to reversal, less any applicable rider charges;

•	purchase payments minus adjusted partial surrenders; or

•	the contract value as of the most recent sixth contract anniversary, preceding the date of death, plus any purchase payments since that anniversary, minus adjusted partial surrenders since that anniversary.

If either you or the annuitant are age 81 or older on the date of death, the beneficiary receives the greater of:


•	contract value, less any purchase payment credits subject to reversal, less any applicable rider charges; or

•	purchase payments minus adjusted partial surrenders.


Adjusted partial surrenders		=		PS x DB CV

PS = the amount by which the contract value is reduced as a result of the partial surrender.

DB = is the death benefit on the date of (but prior to) the partial surrender.

CV = the contract value on the date of (but prior to) the partial surrender.

Example of standard death benefit calculation when you and the annuitant are age 80 or younger:


•	You purchase the contract with a payment of $20,000.

•	On the sixth contract anniversary the contract value grows to $30,000.

•	During the seventh contract year the contract value falls to $28,000 at which point you take a $1,500 partial surrender, leaving a contract value of $26,500.

46 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS


We calculate the death benefit as follows:
	The contract value on the most recent sixth contract anniversary:	$	30,000.00
	plus purchase payments made since that anniversary:		+0.00
	minus adjusted partial surrenders taken since that anniversary calculated as:
	$1,500 x $30,000 $28,000		–1,607.14

	for a death benefit of:	$	28,392.86

IF YOU DIE BEFORE YOUR SETTLEMENT DATE

Nonqualified annuities

If you elected any optional contract features and riders, your spouse and the new annuitant (if applicable) will be subject to all limitations and/or restrictions of those features or riders.

We will not waive surrender charges on contracts continued under the spousal continuation provision.


•	the beneficiary asks us in writing within 60 days after the day on which all documents have been received that prove your death has occurred; and

•	payouts begin no later than one year after your death, or other date as permitted by the IRS; and

•	the payout period does not extend beyond the beneficiary’s life or life expectancy.

Qualified annuities

•


	If you elected any optional contract features and riders, your spouse and the new annuitant (if applicable) will be subject to all limitations and/or restrictions of those features or riders.

	We will not waive surrender charges on contracts continued under the spousal continuation provision.

•


	•	the beneficiary asks us in writing within 60 days after the day on which all documents have been received that prove your death has occurred; and

	•	payouts begin no later than one year following the year of your death; and

	•	the payout period does not extend beyond the beneficiary’s life or life expectancy.


	Additionally, any optional riders, if selected, will terminate. In the event of your beneficiary’s death, their beneficiary can elect to take a lump sum payment or to continue the alternative payment plan following the schedule of minimum withdrawals established based on the life expectancy of your beneficiary.


•	Annuity payout plan: If you elect an annuity payout plan, the payouts to your beneficiary will continue pursuant to the annuity payout plan you elect.

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 47

Optional Benefits

MAXIMUM ANNIVERSARY VALUE DEATH BENEFIT (MAV)

If both you and the annuitant are age 75 or younger at contract issue, you may choose to add the MAV to your contract. Generally, you must elect the MAV at the time you purchase your contract and your rider effective date will be the contract issue date. In some instances the rider effective date for the MAV may be after we issue the contract according to terms determined by us and at our sole discretion.

On the first contract anniversary after the rider effective date we set the maximum anniversary value equal to the highest of your (a) current contract value, or (b) total purchase payments minus adjusted partial surrenders. Every contract anniversary after that, through age 80, we compare the previous anniversary’s maximum anniversary value plus subsequent purchase payments less subsequent adjusted partial surrenders to the current contract value and we reset the maximum anniversary value if the current contract value is higher. We stop resetting the maximum anniversary value at age 81. However, we continue to add subsequent purchase payments and subtract adjusted partial surrenders from the maximum anniversary value.

If you die before annuity payouts begin while this contract is in force, we will pay the beneficiary the greatest of:


•	contract value, less any purchase payment credits subject to reversal, less any applicable rider charges; or

•	purchase payments minus adjusted partial surrenders; or

•	the maximum anniversary value as calculated on the most recent contract anniversary plus subsequent purchase payments made to the contract minus adjustments for partial surrenders since that contract anniversary.

Terminating the MAV


•	You may terminate the MAV rider within 30 days of the first contract anniversary after the rider effective date.

•	You may terminate the MAV rider within 30 days of any contract anniversary beginning with the seventh contract anniversary.

•	The MAV rider will terminate when you make a full surrender from the contract or when annuity payouts begin.

•	The MAV rider will terminate in the case of spousal continuation or ownership change if the new owner is age 76 or older.

If you terminate the MAV, the standard death benefit applies.

For an example, see Appendix B.

In general, if your spouse is the sole beneficiary, your spouse may choose to continue the contract as the contract owner. The contract value will be equal to the death benefit that would otherwise have been paid under the MAV. To do this your spouse must within 60 days after our death claim requirements are fulfilled, give us written instructions to keep the contract in force. If your spouse has reached age 76 at the time he or she elects to continue the contract, the MAV rider will terminate. If your spouse has not yet reached age 76 at the time he or she elects to continue the contract, he or she may choose to continue the MAV rider. In this case, the rider charges described in “Charges” will be assessed at the next contract anniversary (and all future anniversaries when the rider is in force). These charges will be based on the total contract value on the anniversary, including the additional amounts paid into the contract under the MAV rider. If, at the time he or she elects to continue the

48 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS

contract, your spouse has not yet reached age 76 and chooses not to continue the MAV rider, the contract value will be increased to the MAV death benefit amount if it is greater than the contract value on the death benefit valuation date.

ENHANCED EARNINGS DEATH BENEFIT (EEB)

The EEB is intended to provide an additional benefit to your beneficiary to help offset expenses after your death such as funeral expenses or federal and state taxes. This is an optional benefit that you may select for an additional annual charge (see “Charges”). The EEB provides for reduced benefits if you are or the annuitant is age 70 or older at the rider effective date and it does not provide any additional benefit before the first contract anniversary. The EEB also may result in reduced benefits if you take RMDs (see “Taxes — Qualified Annuities — Required Minimum Distributions”) from your qualified annuity or any partial surrenders during the life of your contract, both of which may reduce contract earnings. This is because the benefit paid by the EEB is determined by the amount of earnings at death. Be sure to discuss with your financial advisor and your tax advisor whether or not the EEB is appropriate for your situation.

If both you and the annuitant are age 75 or younger at the rider effective date, you may choose to add the EEB to your contract. Generally, you must elect the EEB at the time you purchase your contract and your rider effective date will be the contract issue date. In some instances the rider effective date for the EEB may be after we issue the contract according to terms determined by us and at our sole discretion. You may not select this rider if you select the EEP.

The EEB provides that if you die or the annuitant dies after the first contract anniversary, but before annuity payouts begin, and while this contract is in force, we will pay the beneficiary:


•	the standard death benefit amount (see “Benefits in Case of Death — Standard Benefit”) or the MAV death benefit amount, if applicable,

PLUS


•	40% of your earnings at death if you and the annuitant were under age 70 on the rider effective date; or

•	15% of your earnings at death if you or the annuitant were age 70 or older on the rider effective date.

Additional death benefits payable under the EEB are not included in the adjusted partial surrender calculation.

Earnings at death for the EEB and EEP: If the rider effective date for the EEB or EEP is the contract issue date, earnings at death is an amount equal to:


•	the standard death benefit amount or the MAV death benefit amount, if applicable (the “death benefit amount”)

•	minus purchase payments not previously surrendered.

The earnings at death may not be less than zero and may not be more than 250% of the purchase payments not previously surrendered that are one or more years old.

If the rider effective date for the EEB is AFTER the contract issue date, earnings at death is an amount equal to the death benefit amount


	•	minus the greater of:


	•	the contract value as of the EEB rider effective date (determined before we apply any purchase payment or purchase payment credit), less any surrenders of that contract value since that rider effective date; or

	•	an amount equal to the death benefit amount as of the EEB rider effective date (determined before we apply any purchase payment or purchase payment credit), less any surrenders of that death benefit amount since that rider effective date


	•	plus any purchase payments made on or after the EEB rider effective date not previously surrendered.

The earnings at death may not be less than zero and may not be more than 250% multiplied by:


	•	the greater of:


	•	the contract value as of the EEB rider effective date (determined before we apply any purchase payment or purchase payment credit), less any surrenders of that contract value since that rider effective date; or

	•	an amount equal to the death benefit amount as of the EEB rider effective date (determined before we apply any purchase payment or purchase payment credit), less any surrenders of that death benefit amount since that rider effective date


	•	plus any purchase payments made on or after the EEB rider effective date not previously surrendered that are one or more years old.

Terminating the EEB


•	You may terminate the EEB rider within 30 days of the first contract anniversary after the rider effective date.

•	You may terminate the EEB rider within 30 days of any contract anniversary beginning with the seventh contract anniversary after the rider effective date.

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 49


•	The EEB rider will terminate when you make a full surrender from the contract or when annuity payouts begin.

•	The EEB rider will terminate in the case of spousal continuation or ownership change if the new owner is age 76 or older.

For an example, see Appendix B.

In general, if your spouse is the sole beneficiary, and your spouse chooses to continue the contract as the contract owner, we will pay an amount into the contract so that the contract value equals the total death benefit payable under the EEB. If the spouse is age 76 or older at the time he or she elects to continue the contract, then the EEB rider will terminate. If your spouse is less than age 76 at the time he or she elects to continue the contract, he or she may choose to continue the EEB. In this case, the following conditions will apply:


•	the EEB rider will continue, but we will treat the new contract value on the date the ownership of the contract changes to your spouse (after the additional amount is paid into the contract) as if it is a purchase payment in calculating future values of “earnings at death.”

•	the percentages of “earnings at death” payable will be based on your spouse’s age at the time he or she elects to continue the contract.

•	the EEB rider charges described in “Charges — EEB Rider Fee” will be assessed at the next contract anniversary (and all future anniversaries when the rider is in force). These charges will be based on the total contract value on the anniversary, including the additional amounts paid into the contract under the EEB rider.

NOTE: For special tax considerations associated with the EEB, see “Taxes.”

ENHANCED EARNINGS PLUS DEATH BENEFIT (EEP)

The EEP is intended to provide an additional benefit to your beneficiary to help offset expenses after your death such as funeral expenses or federal and state taxes. This is an optional benefit that you may select for an additional annual charge (see “Charges”). The EEP provides for reduced benefits if you or the annuitant is age 70 or older at the rider effective date. It does not provide any additional benefit before the first contract anniversary and it does not provide any benefit beyond what is offered under the EEB during the second contract year. The EEP also may result in reduced benefits if you take RMDs (see “Taxes — Qualified Annuities — Required Minimum Distributions”) from your qualified annuity or any partial surrenders during the life of your contract, both of which may reduce contract earnings. This is because part of the benefit paid by the EEP is determined by the amount of earnings at death. Be sure to discuss with your financial advisor and your tax advisor whether or not the EEP is appropriate for your situation.

If both you and the annuitant are age 75 or younger at contract issue, you may choose to add the EEP to your contract. You must elect the EEP at the time you purchase your contract and your rider effective date will be the contract issue date. This rider is only available under annuities purchased through an exchange or direct transfer from another annuity or a life insurance policy. You may not select this rider if you select the EEB.

The EEP provides that if you die or the annuitant dies after the first contract anniversary, but before annuity payouts begin, and while this contract is in force, we will pay the beneficiary:


•	EEP Part I benefits, which equal the benefits payable under the EEB described above;

PLUS


•	EEP Part II benefits, which equal a percentage of exchange purchase payments identified at issue not previously surrendered as follows:


	Percentage if you and the annuitant are		Percentage if you or the annuitant are
Contract year	under age 70 on the rider effective date		70 or older on the rider effective date
One and Two		0%		0%

Three and Four		10%		3.75%

Five or more		20%		7.5%

Additional death benefits payable under the EEP are not included in the adjusted partial surrender calculation.

If after 6 months, no exchange purchase payments have been received, we will contact you and you will have an additional 30 days to follow-up on exchange purchase payments identified at issue but not received by us. If after these 30 days we have not received any exchange purchase payments, we will convert the EEP rider into an EEB.

50 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS

Another way to describe the benefits payable under the EEP rider is as follows:


•	the standard death benefit amount (see “Benefits in Case of Death — Standard Death Benefit”) or the MAV death benefit amount, if applicable PLUS


	If you and the annuitant are under	If you or the annuitant are age 70
Contract year	age 70 on the rider effective date, add . . .	or older on the rider effective date, add . . .
1	Zero	Zero

2	40% x earnings at death (see above)	15% x earnings at death

3 & 4	40% x (earnings at death + 25% of exchange purchase payment*)	15% x (earnings at death + 25% of exchange purchase payment*)

5+	40% x (earnings at death + 50% of exchange purchase payment*)	15% x (earnings at death + 50% of exchange purchase payment*)


^*		Exchange purchase payments are purchase payments exchanged from another contract that are identified at issue and not previously surrendered.

We are not responsible for identifying exchange purchase payments if we did not receive proper notification from the company from which the purchase payments are exchanged.

Terminating the EEP


•	You may terminate the EEP rider within 30 days of the first contract anniversary after the rider effective date.

•	You may terminate the EEP rider within 30 days of any contract anniversary beginning with the seventh contract anniversary.

•	The EEP rider will terminate when you make a full surrender from the contract or when annuity payouts begin.

•	The EEP rider will terminate in the case of an ownership change.

•	The EEP rider will terminate in the case of the spousal continuation if the new owner is age 76 or older.

For an example, see Appendix B.

In general, if your spouse is the sole beneficiary, and your spouse chooses to continue the contract as the contract owner, we will pay an amount into the contract so that the contract value equals the total death benefit payable under the EEP. If your spouse at the time he or she elects to continue the contract has reached age 76, the EEP rider will terminate. If your spouse at the time he or she elects to continue the contract has not yet reached age 76, he or she cannot continue the EEP. However, he or she may choose to convert the EEP rider into an EEB. In this case, the following conditions will apply:


•	the EEB rider will treat the new contract value on the date the ownership of the contract changes to your spouse (after the additional amount is paid into the contract) as if it is a purchase payment in calculating future values of “earnings at death.”

•	the percentages of “earnings at death” payable will be based on your spouse’s age at the time he or she elects to continue the contract.

•	the EEB rider charges described in “Charges — EEB Rider Fee” will be assessed at the next contract anniversary (and all future anniversaries when the EEB rider is in force). These charges will be based on the total contract value on the anniversary, including the additional amounts paid into the contract under the EEP rider.

If your spouse chooses not to convert the EEP rider into an EEB, the standard death benefit amount (or the MAV death benefit amount, if applicable) will apply.

NOTE: For special tax considerations associated with the EEP, see “Taxes.”

The Annuity Payout Period

You also decide whether we will make annuity payouts on a fixed or variable basis, or a combination of fixed and variable. The amount available to purchase payouts under the plan you select is the contract value on your settlement date (less any applicable premium tax). Additionally, we currently allow you to use part of the amount available to purchase payouts, leaving any remaining contract value to accumulate on a tax-deferred basis. Special rules apply for partial annuitization of Your annuity contract, see “Taxes — Nonqualified Annuities — Annuity payouts and Taxes — Qualified Annuities — Annuity payouts.” During the annuity payout period, you cannot invest in more than five subaccounts at any one time unless we agree otherwise.

Amounts of fixed and variable payouts depend on:


•	the annuity payout plan you select;

•	the annuitant’s age and, in most cases, the annuitant’s sex;

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 51


•	the annuity table in the contract; and

•	the amounts you allocated to the accounts at settlement.

For information with respect to transfers between accounts after annuity payouts begin, see “Making the Most of Your Contract — Transfer policies.”

ANNUITY TABLES

ANNUITY PAYOUT PLANS

You may choose any one of these annuity payout plans by giving us written instructions at least 30 days before contract value is used to purchase the payout plan:


•	Plan A – Life annuity — no refund: We make monthly payouts until the annuitant’s death. Payouts end with the last payout before the annuitant’s death. We will not make any further payouts. This means that if the annuitant dies after we made only one monthly payout, we will not make any more payouts.

•	Plan B – Life annuity with five, ten or 15 years certain: We make monthly payouts for a guaranteed payout period of five, ten or 15 years that you elect. This election will determine the length of the payout period to the beneficiary if the annuitant should die before the elected period expires. We calculate the guaranteed payout period from the settlement date. If the annuitant outlives the elected guaranteed payout period, we will continue to make payouts until the annuitant’s death.

•	Plan C – Life annuity — installment refund: We make monthly payouts until the annuitant’s death, with our guarantee that payouts will continue for some period of time. We will make payouts for at least the number of months determined by dividing the amount applied under this option by the first monthly payout, whether or not the annuitant is living.

•	Plan D – Joint and last survivor life annuity — no refund: We make monthly payouts while both the annuitant and a joint annuitant are living. If either annuitant dies, we will continue to make monthly payouts at the full amount until the death of the surviving annuitant. Payouts end with the death of the second annuitant.

•

Plan E – Payouts for a specified period: We make monthly payouts for a specific payout period of ten to 30 years that you elect. We will make payouts only for the number of years specified whether the annuitant is living or not. Depending on the selected time period, it is foreseeable that an annuitant can outlive the payout period selected. During the payout period, you can elect to have us determine the present value of any remaining variable payouts and pay it to you in a lump sum. We determine the present value of the remaining annuity payouts which are assumed to remain level at the amount of the payout that would have been made 7 days prior to the date we determine present value. For qualified annuities, the discount rate we use in the calculation will be either 4.72% or 6.22%, depending on the applicable assumed investment rate. For nonqualified annuities, the discount rate we use in the calculation will vary between 4.92% and 6.42%, depending on the applicable assumed investment rate. (See “Charges — Surrender charge under Annuity Payout Plan E.”). A 10% IRS penalty tax could apply to the taxable portion if you take a surrender. (See “Taxes.”)

52 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS

certain IRS regulations governing RMDs if the payout plan meets the incidental distribution benefit requirements, if any, and the payouts are made:


•	in equal or substantially equal payments over a period not longer than your life expectancy of the annuitant or over the joint life expectancy of you and your designated beneficiary; or

•	over a period certain not longer than your life expectancy or over the joint life expectancy of you and your designated beneficiary.

Death after annuity payouts begin: If you or the annuitant die after annuity payouts begin, we will pay any amount payable to the beneficiary as provided in the annuity payout plan in effect.

Taxes

NONQUALIFIED ANNUITIES

Annuity payouts: Generally, unlike surrenders described below, the taxation of annuity payouts is subject to exclusion ratios, (for fixed annuity payouts) or annual excludable amounts (for variable annuity payouts). In other words, in most cases, a portion of each payout will be ordinary income and subject to tax, and a portion of each payout will be considered a return of part of your investment in the contract and will not be taxed. All amounts you receive after your investment in the contract is fully recovered will be subject to tax. Under Annuity Payout Plan A: Life annuity — no refund, where the annuitant dies before your investment in the contract is fully recovered, the remaining portion of the unrecovered investment may be available as a federal income tax deduction to the owner for the last taxable year. Under all other annuity payout plans, where the annuity payouts end before your investment in the contract is fully recovered, the remaining portion of the unrecovered investment may be available as a federal income tax deduction to the taxpayer for the tax year in which the payouts end. (See “The Annuity Payout Period — Annuity Payout Plans.”)

Surrenders: Generally, if you surrender all or part of your nonqualified annuity before your annuity payouts begin, including withdrawals under any optional withdrawal benefit rider, your surrender will be taxed to the extent that the contract value immediately before the surrender exceeds the investment in the contract. Application of surrender charges may alter the manner in which we tax report the surrender. Different rules may apply if you exchange another contract into this contract.

You also may have to pay a 10% IRS penalty for surrenders of taxable income you make before reaching age 591/2 unless certain exceptions apply.

Withholding: If you receive taxable income as a result of an annuity payout or surrender, including surrenders under any optional withdrawal benefit rider, we may deduct federal, and in some cases state withholding against the payment. Any withholding represents a prepayment of your income tax due for the year. You take credit for these amounts on your annual income tax return. As long as you have provided us with a valid Social Security Number or Taxpayer Identification Number, and you have a valid U.S. address, you may be able to elect not to have any withholding occur.

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 53

The federal income tax withholding requirements differ if we deliver payment outside the United States or you are a non-resident alien.


•	because of your death or in the event of nonnatural ownership, the death of the annuitant;

•	because you become disabled (as defined in the Code);

•	if the distribution is part of a series of substantially equal periodic payments, made at least annually, over your life or life expectancy (or joint lives or life expectancies of you and your beneficiary);

•	if it is allocable to an investment before Aug. 14, 1982; or

•	if annuity payouts are made under immediate annuities as defined by the Code.

Transfer of ownership: Generally, if you transfer ownership of a nonqualified annuity without receiving adequate consideration, the transfer may be taxed as a surrender for federal income tax purposes. If the transfer is a currently taxable event for income tax purposes, the original owner will be taxed on the amount of deferred earnings at the time of the transfer and also may be subject to the 10% IRS penalty discussed earlier. In this case, the new owner’s investment in the contract will be equal to the investment in the contract at the time of the transfer plus any earnings included in the original owner’s taxable income as result of the transfer. In general, this rule does not apply to transfers between spouses or former spouses. Similar rules apply if you transfer ownership for full consideration. Please consult your tax advisor for further details.

1035 Exchanges: Section 1035 of the Code permits nontaxable exchanges of certain insurance policies, endowment contracts, annuity contracts and qualified long-term care insurance contract 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 are 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, or (4) the exchange of a qualified long-term care insurance contract for a qualified long-term insurance contract. However, if the life insurance policy has an outstanding loan, there may be tax consequences. 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 contract.

54 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS

new contracts. However, per IRS Revenue Procedure 2011-38, if surrenders are taken from either contract within the 180-day period following an exchange, the IRS will apply general tax principles to determine the appropriate tax treatment of the exchange and subsequent surrender. As a result, there may be unexpected tax consequences. You should consult your tax advisor before taking any surrender from either contract during the 180-day period following a partial exchange. Different IRS limitations on surrenders apply to partial exchanges completed prior to October 24, 2011.

QUALIFIED ANNUITIES

Annuity payouts from Roth IRAs: In general, the entire payout from a Roth IRA can be free from income and penalty taxes if you have attained age 591/2 and meet the five year holding period.

Surrenders from Roth IRAs: In general, the entire payout from a Roth IRA can be free from income and penalty taxes if you have attained age 591/2 and meet the five year holding period.

Required Minimum Distributions: Retirement plans (except for Roth IRAs) are subject to required surrenders called required minimum distributions (“RMDs”) beginning at age 701/2. RMDs are based on the fair market value of your contract at year-end divided by life expectancy factor. Certain death benefits and optional riders may be considered in determining the fair market value of your contract for RMD purposes. This may cause your RMD to be higher. Inherited IRAs (including inherited Roth IRAs) are subject to special RMD rules. You should consult your tax advisor prior to making a purchase for an explanation of the potential tax implications to you.

Withholding for IRAs, Roth IRAs, SEPs and SIMPLE IRAs: If you receive taxable income as a result of an annuity payout or a surrender, including surrenders under any optional withdrawal benefit rider, we may deduct withholding against the payment. Any withholding represents a prepayment of your tax due for the year. You take credit for these amounts on your annual income tax return. As long as you have provided us with a valid Social Security Number or Taxpayer Identification Number, you can elect not to have any withholding occur.

If the payment is part of an annuity payout plan, we generally compute the amount of federal income tax withholding using payroll tables. You may provide us with a statement of how many exemptions to use in calculating the withholding. If the distribution is any other type of payment (such as a partial or full surrender) we compute federal income tax withholding using 10% of the taxable portion.

The federal income tax withholding requirements differ if we deliver payment outside the United States and/or you are a non-resident alien.

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 55


•	the payout is one in a series of substantially equal periodic payouts, made at least annually, over your life or life expectancy (or the joint lives or life expectancies of you and your designated beneficiary) or over a specified period of 10 years or more;

•	the payout is a RMD as defined under the Code;

•	the payout is made on account of an eligible hardship;

•	the payout is a corrective distribution; or

•	if the distribution is made from an inherited IRA.

State withholding also may be imposed on taxable distributions.


•	because of your death;

•	because you become disabled (as defined in the Code);

•	if the distribution is part of a series of substantially equal periodic payments made at least annually, over your life or life expectancy (or joint lives or life expectancies of you and your beneficiary);

•	if the distribution is made following severance from employment during the calendar year in which you attain age 55 (TSAs and annuities funding 401(a) plans only);

•	to pay certain medical or education expenses (IRAs only).

Assignment: You may not assign or pledge your qualified contract as collateral for a loan.

OTHER

Purchase payment credits: These are considered earnings and are taxed accordingly when surrendered or paid out.

56 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS

If you have any questions as to the status of your relationship as a marriage, then you should consult an appropriate tax or legal advisor.

Voting Rights

Before annuity payouts begin, the number of votes you have is determined by applying your percentage interest in each subaccount to the total number of votes allowed to the subaccount.

After annuity payouts begin, the number of votes you have is equal to:


•	the reserve held in each subaccount for your contract; divided by

•	the net asset value of one share of the applicable fund.

As we make annuity payouts, the reserve for the contract decreases; therefore, the number of votes also will decrease.

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 no longer the most suitable) for the subaccounts.

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 57

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.

About the Service Providers

PRINCIPAL UNDERWRITER

Although we no longer offer the contract for sale, you may continue to make purchase payments if permitted under the terms of your contract. We pay commissions to an affiliated selling firm of up to 5.75% of purchase payments on the contract as well as service/trail commissions of up to 1.00% based on annual total contract value for as long as the contract remains in effect. We also may pay a temporary additional sales commission of up to 1.00% of purchase payments for a period of time we select. These commissions do not change depending on which subaccounts you choose to allocate your purchase payments.

We pay the commissions and other compensation described above from our assets. Our assets include:


•	revenues we receive from fees and expenses that you will pay when buying, owning and surrendering the contract (see “Expense Summary”);

•	compensation we or an affiliate receive from the underlying funds in the form of distribution and services fees (see “The Variable Account and the Funds — the funds”);

•	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.


•	fees and expenses we collect from contract 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.

ISSUER

58 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS

•

During the third contract year the contract value remains at $105,000 and you request a partial surrender, including the applicable 7% surrender charge, of $50,000. We will surrender $10,500 from your contract value free of charge (10% of your prior anniversary’s contract value). The remainder of the surrender is subject to a 7% surrender charge because your purchase payment is two years old, so we will surrender $39,500 ($36,735 + $2,765 in surrender charges) from your contract value. Altogether, we will surrender $50,000 and pay you $48,025. We calculate purchase payments not previously surrendered as $100,000 – $45,000 = $55,000 (remember that $5,000 of the partial surrender is contract earnings). The death benefit equals:

MAV death benefit amount (maximum anniversary value adjusted for partial surrenders):


		$	110,000			–		($50,000 × $110,000) $105,000		=		$	57,619


plus the EEB (40% of earnings at death):
0.40 × ($57,619 – $55,000) =		+1,048

Total death benefit of:	$	58,667


•	On the third contract anniversary the contract value falls by $40,000. The death benefit remains at $58,667. The reduction in contract value has no effect.

•	On the ninth contract anniversary the contract value grows to a new high of $200,000. Earnings at death reaches its maximum of 250% of purchase payments not previously surrendered that are one or more years old. The death benefit equals:


MAV death benefit amount (contract value):	$	200,000
plus the EEB (40% of earnings at death):
0.40 × 2.50 × ($55,000) =		+55,000

Total death benefit of:	$	255,000


•	During the tenth contract year you make an additional purchase payment of $50,000 and your contract value grows to $250,000. The new purchase payment is less than one year old and so it has no effect on the EEB. The death benefit equals:


MAV death benefit amount (contract value):	$	250,000
plus the EEB (40% of earnings at death):
0.40 × 2.50 × ($55,000) =		+55,000

Total death benefit of:	$	305,000


•	During the eleventh contract year the contract value remains $250,000 and the “new” purchase payment is now one year old. The value of the EEB changes. The death benefit equals:


MAV death benefit amount (contract value):	$	250,000
plus the EEB which equals 40% of earnings at death (the standard death benefit amount minus payments not previously surrendered):
0.40 × ($250,000 – $105,000) =		+58,000

Total death benefit of:	$	308,000

Example — EEP Death Benefit


•	You purchase the contract with an exchange purchase payment of $100,000 and both you and the annuitant are under age 70. You select the seven-year surrender charge schedule, the MAV and the EEP.

•	During the first contract year the contract value grows to $105,000. The death benefit equals the standard death benefit amount, which is the contract value, or $105,000. You have not reached the first contract anniversary so neither the EEP Part I nor Part II provides any additional benefit at this time.

•	On the first contract anniversary the contract value grows to $110,000. You have not reached the second contract anniversary so the EEP Part II does not provide any additional benefit at this time. The death benefit equals:


MAV death benefit amount (contract value):	$	110,000
plus the EEP Part I which equals 40% of earnings at death (the MAV death benefit amount minus purchase payments not previously surrendered):
0.40 × ($110,000 – $100,000) =		+4,000

Total death benefit of:	$	114,000

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 63


•	On the second contract anniversary the contract value falls to $105,000. The death benefit equals:


MAV death benefit amount (maximum anniversary value):	$	110,000
plus the EEP Part I (40% of earnings at death):
0.40 × ($110,000 – $100,000) =		+4,000
plus the EEP Part II which in the third contract year
equals 10% of exchange purchase payments identified at
issue and not previously surrendered:
0.10 × $100,000 =		+10,000

Total death benefit of:	$	124,000

•

During the third contract year the contract value remains at $105,000 and you request a partial surrender, including the applicable 7% surrender charge, of $50,000. We will surrender $10,500 from your contract value free of charge (10% of your prior anniversary’s contract value). The remainder of the surrender is subject to a 7% surrender charge because your purchase payment is two years old, so we will surrender $39,500 ($36,735 + $2,765 in surrender charges) from your contract value. Altogether, we will surrender $50,000 and pay you $47,235. We calculate purchase payments not previously surrendered as $100,000 – $45,000 = $55,000 (remember that $5,000 of the partial surrender is contract earnings). The death benefit equals:

MAV death benefit amount (maximum anniversary value adjusted for partial surrenders):


		$	110,000			–		($50,000 × $110,000) $105,000		=		$	57,619


plus the EEP Part I (40% of earnings at death):
0.40 × ($57,619 – $55,000) =		+1,048
plus the EEP Part II which in the third contract year
equals 10% of exchange purchase payments identified at
issue and not previously surrendered:
0.10 × $55,000 =		+5,500

Total death benefit of:	$	64,167


•	On the third contract anniversary the contract value falls by $40,000. The death benefit remains at $64,167. The reduction in contract value has no effect.

•	On the ninth contract anniversary the contract value grows to a new high of $200,000. Earnings at death reaches its maximum of 250% of purchase payments not previously surrendered that are one or more years old. Because we are beyond the fourth contract anniversary the EEP also reaches its maximum of 20%. The death benefit equals:


MAV death benefit amount (contract value):	$	200,000
plus the EEP Part I (40% of earnings at death):
0.40 × (2.50 × $55,000) =		+55,000
plus the EEP Part II which after the fourth contract year equals 20% of exchange purchase payments identified at issue and not previously surrendered:
0.20 × $55,000 =		+11,000

Total death benefit of:	$	266,000


•	During the tenth contract year you make an additional purchase payment of $50,000 and your contract value grows to $250,000. The new purchase payment is less than one year old and so it has no effect on either the EEP Part I or EEP Part II. The death benefit equals:


MAV death benefit amount (contract value):	$	250,000
plus the EEP Part I (40% of earnings at death):
0.40 × (2.50 × $55,000) =		+55,000
plus the EEP Part II, which after the fourth contract year equals 20% of exchange purchase payments identified at issue and not previously surrendered:
0.20 × $55,000 =		+11,000

Total death benefit of:	$	316,000

64 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS

Appendix C: Condensed Financial Information (Unaudited)

The following tables give per-unit information about the financial history of each subaccount representing the lowest and highest total annual variable account expense combinations. The date in which operations commenced in each subaccount is noted in parentheses. The SAI contains tables that give per-unit information about the financial history of each existing subaccount. We have not provided this information for subaccounts (if any) that were not available under your contract as of Dec. 31, 2013. You may obtain a copy of the SAI without charge by contacting us at the telephone number or address listed on the first page of the prospectus.


Variable account charges of 0.75% of the daily net assets of the variable account.
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


AllianceBernstein VPS Dynamic Asset Allocation Portfolio (Class B) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.07		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		542		—		—		—		—		—		—		—		—		—

AllianceBernstein VPS Global Thematic Growth Portfolio (Class B) (11/01/2005)
Accumulation unit value at beginning of period		$1.08		$0.96		$1.26		$1.07		$0.71		$1.36		$1.14		$1.06		$1.00		—
Accumulation unit value at end of period		$1.32		$1.08		$0.96		$1.26		$1.07		$0.71		$1.36		$1.14		$1.06		—
Number of accumulation units outstanding at end of period (000 omitted)		1,917		2,217		3,348		4,452		5,299		3,750		4,111		14,120		2,021		—

AllianceBernstein VPS Growth and Income Portfolio (Class B) (08/13/2001)
Accumulation unit value at beginning of period		$1.30		$1.12		$1.06		$0.95		$0.80		$1.35		$1.30		$1.12		$1.08		$0.98
Accumulation unit value at end of period		$1.74		$1.30		$1.12		$1.06		$0.95		$0.80		$1.35		$1.30		$1.12		$1.08
Number of accumulation units outstanding at end of period (000 omitted)		34,405		40,750		48,468		55,671		68,595		84,420		116,725		135,093		149,316		125,010

AllianceBernstein VPS International Value Portfolio (Class B) (08/13/2001)
Accumulation unit value at beginning of period		$1.53		$1.35		$1.69		$1.63		$1.23		$2.64		$2.52		$1.88		$1.63		$1.31
Accumulation unit value at end of period		$1.87		$1.53		$1.35		$1.69		$1.63		$1.23		$2.64		$2.52		$1.88		$1.63
Number of accumulation units outstanding at end of period (000 omitted)		56,626		67,635		83,009		102,937		150,692		202,780		217,241		203,016		153,107		70,504

ALPS/Alerian Energy Infrastructure Portfolio: Class III (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.07		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		4,271		—		—		—		—		—		—		—		—		—

American Century VP International, Class II (08/13/2001)
Accumulation unit value at beginning of period		$1.43		$1.19		$1.37		$1.22		$0.92		$1.68		$1.44		$1.16		$1.03		$0.91
Accumulation unit value at end of period		$1.74		$1.43		$1.19		$1.37		$1.22		$0.92		$1.68		$1.44		$1.16		$1.03
Number of accumulation units outstanding at end of period (000 omitted)		12,866		15,014		19,142		22,872		26,575		32,736		42,202		45,349		43,612		34,180

American Century VP Mid Cap Value, Class II (05/01/2007)
Accumulation unit value at beginning of period		$1.17		$1.01		$1.03		$0.87		$0.68		$0.90		$1.00		—		—		—
Accumulation unit value at end of period		$1.51		$1.17		$1.01		$1.03		$0.87		$0.68		$0.90		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		9,110		9,353		11,208		12,924		48,044		54,402		56,815		—		—		—

American Century VP Ultra^®, Class II (11/01/2005)
Accumulation unit value at beginning of period		$1.20		$1.06		$1.06		$0.92		$0.69		$1.19		$0.99		$1.04		$1.00		—
Accumulation unit value at end of period		$1.63		$1.20		$1.06		$1.06		$0.92		$0.69		$1.19		$0.99		$1.04		—
Number of accumulation units outstanding at end of period (000 omitted)		7,242		8,724		10,122		11,063		11,805		12,809		13,321		78,916		10,074		—

American Century VP Value, Class II (08/13/2001)
Accumulation unit value at beginning of period		$1.65		$1.45		$1.45		$1.29		$1.08		$1.49		$1.59		$1.35		$1.30		$1.15
Accumulation unit value at end of period		$2.15		$1.65		$1.45		$1.45		$1.29		$1.08		$1.49		$1.59		$1.35		$1.30
Number of accumulation units outstanding at end of period (000 omitted)		42,005		47,968		56,802		64,096		72,598		82,749		118,591		136,167		142,660		110,681

BlackRock Global Allocation V.I. Fund (Class III) (04/30/2012)
Accumulation unit value at beginning of period		$1.03		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.17		$1.03		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		10,851		3,746		—		—		—		—		—		—		—		—

Calvert VP SRI Balanced Portfolio (05/01/2000)
Accumulation unit value at beginning of period		$1.22		$1.12		$1.07		$0.97		$0.78		$1.14		$1.12		$1.04		$0.99		$0.92
Accumulation unit value at end of period		$1.43		$1.22		$1.12		$1.07		$0.97		$0.78		$1.14		$1.12		$1.04		$0.99
Number of accumulation units outstanding at end of period (000 omitted)		10,738		11,585		12,719		14,304		15,940		18,431		21,893		24,975		23,850		20,551

Columbia Variable Portfolio – Balanced Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$1.37		$1.21		$1.19		$1.07		$0.86		$1.24		$1.23		$1.08		$1.05		$0.97
Accumulation unit value at end of period		$1.65		$1.37		$1.21		$1.19		$1.07		$0.86		$1.24		$1.23		$1.08		$1.05
Number of accumulation units outstanding at end of period (000 omitted)		45,325		46,103		53,355		61,921		74,529		61,707		86,628		89,309		92,705		84,704

Columbia Variable Portfolio – Cash Management Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$1.19		$1.20		$1.21		$1.22		$1.22		$1.20		$1.16		$1.12		$1.10		$1.10
Accumulation unit value at end of period		$1.18		$1.19		$1.20		$1.21		$1.22		$1.22		$1.20		$1.16		$1.12		$1.10
Number of accumulation units outstanding at end of period (000 omitted)		76,751		96,155		124,252		134,040		197,288		399,214		286,121		258,492		193,996		187,100

66 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 0.75% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Columbia Variable Portfolio – Commodity Strategy Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.93		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		148		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Contrarian Core Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.21		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,941		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Core Bond Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.95		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		250		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Diversified Bond Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$1.80		$1.69		$1.59		$1.48		$1.30		$1.40		$1.34		$1.30		$1.28		$1.23
Accumulation unit value at end of period		$1.74		$1.80		$1.69		$1.59		$1.48		$1.30		$1.40		$1.34		$1.30		$1.28
Number of accumulation units outstanding at end of period (000 omitted)		145,968		214,369		232,229		282,705		638,984		610,707		599,680		511,100		332,677		221,377

Columbia Variable Portfolio – Dividend Opportunity Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$1.80		$1.59		$1.68		$1.45		$1.15		$1.94		$1.81		$1.52		$1.35		$1.15
Accumulation unit value at end of period		$2.26		$1.80		$1.59		$1.68		$1.45		$1.15		$1.94		$1.81		$1.52		$1.35
Number of accumulation units outstanding at end of period (000 omitted)		144,917		166,205		206,688		256,449		508,061		530,216		560,416		585,144		408,559		255,776

Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.91		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		792		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Emerging Markets Fund (Class 3) (05/01/2000)
Accumulation unit value at beginning of period		$2.49		$2.08		$2.65		$2.23		$1.29		$2.81		$2.05		$1.54		$1.16		$0.94
Accumulation unit value at end of period		$2.43		$2.49		$2.08		$2.65		$2.23		$1.29		$2.81		$2.05		$1.54		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		33,013		38,627		46,641		56,730		80,593		111,551		89,546		89,672		75,520		22,549

Columbia Variable Portfolio – Global Bond Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$1.95		$1.85		$1.78		$1.68		$1.52		$1.54		$1.44		$1.36		$1.44		$1.32
Accumulation unit value at end of period		$1.79		$1.95		$1.85		$1.78		$1.68		$1.52		$1.54		$1.44		$1.36		$1.44
Number of accumulation units outstanding at end of period (000 omitted)		46,672		62,204		73,158		88,623		195,536		201,728		204,316		169,931		130,135		82,347

Columbia Variable Portfolio – High Yield Bond Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$2.15		$1.87		$1.78		$1.57		$1.03		$1.39		$1.37		$1.25		$1.21		$1.09
Accumulation unit value at end of period		$2.26		$2.15		$1.87		$1.78		$1.57		$1.03		$1.39		$1.37		$1.25		$1.21
Number of accumulation units outstanding at end of period (000 omitted)		69,676		82,188		91,967		111,083		137,350		147,297		218,538		251,768		262,154		242,254

Columbia Variable Portfolio – Income Opportunities Fund (Class 3) (09/13/2004)
Accumulation unit value at beginning of period		$1.79		$1.57		$1.49		$1.33		$0.94		$1.16		$1.14		$1.07		$1.04		$1.00
Accumulation unit value at end of period		$1.86		$1.79		$1.57		$1.49		$1.33		$0.94		$1.16		$1.14		$1.07		$1.04
Number of accumulation units outstanding at end of period (000 omitted)		36,897		46,830		49,398		56,452		229,076		128,653		116,516		109,316		29,477		1,052

Columbia Variable Portfolio – International Opportunity Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$1.08		$0.92		$1.06		$0.94		$0.74		$1.26		$1.12		$0.91		$0.81		$0.69
Accumulation unit value at end of period		$1.31		$1.08		$0.92		$1.06		$0.94		$0.74		$1.26		$1.12		$0.91		$0.81
Number of accumulation units outstanding at end of period (000 omitted)		22,743		26,232		32,942		39,494		48,442		55,412		75,421		80,961		77,787		51,446

Columbia Variable Portfolio – Large Cap Growth Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$0.75		$0.63		$0.65		$0.56		$0.41		$0.75		$0.73		$0.66		$0.62		$0.57
Accumulation unit value at end of period		$0.97		$0.75		$0.63		$0.65		$0.56		$0.41		$0.75		$0.73		$0.66		$0.62
Number of accumulation units outstanding at end of period (000 omitted)		78,647		88,846		104,494		124,302		147,034		180,650		283,769		326,108		323,849		191,140

Columbia Variable Portfolio – Large Core Quantitative Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$0.95		$0.84		$0.80		$0.69		$0.56		$0.98		$0.96		$0.84		$0.79		$0.75
Accumulation unit value at end of period		$1.26		$0.95		$0.84		$0.80		$0.69		$0.56		$0.98		$0.96		$0.84		$0.79
Number of accumulation units outstanding at end of period (000 omitted)		136,765		160,002		186,291		218,715		257,537		301,682		383,078		450,207		263,828		130,790

Columbia Variable Portfolio – Marsico Growth Fund (Class 1) (05/01/2006)
Accumulation unit value at beginning of period		$1.17		$1.05		$1.09		$0.90		$0.72		$1.19		$1.02		$1.00		—		—
Accumulation unit value at end of period		$1.57		$1.17		$1.05		$1.09		$0.90		$0.72		$1.19		$1.02		—		—
Number of accumulation units outstanding at end of period (000 omitted)		44,031		55,443		70,116		86,635		378,240		310,527		204,077		121,798		—		—

Columbia Variable Portfolio – Marsico International Opportunities Fund (Class 2) (05/01/2006)
Accumulation unit value at beginning of period		$0.97		$0.83		$1.00		$0.89		$0.65		$1.27		$1.07		$1.00		—		—
Accumulation unit value at end of period		$1.16		$0.97		$0.83		$1.00		$0.89		$0.65		$1.27		$1.07		—		—
Number of accumulation units outstanding at end of period (000 omitted)		12,641		15,548		20,933		26,527		32,788		41,006		32,112		59,299		—		—

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 67


Variable account charges of 0.75% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Columbia Variable Portfolio – Mid Cap Growth Opportunity Fund (Class 3) (05/01/2001)
Accumulation unit value at beginning of period		$1.42		$1.29		$1.53		$1.22		$0.75		$1.37		$1.22		$1.23		$1.12		$1.04
Accumulation unit value at end of period		$1.85		$1.42		$1.29		$1.53		$1.22		$0.75		$1.37		$1.22		$1.23		$1.12
Number of accumulation units outstanding at end of period (000 omitted)		19,000		22,638		28,726		34,995		40,215		38,730		50,337		62,826		47,283		53,376

Columbia Variable Portfolio – Mid Cap Value Opportunity Fund (Class 3) (05/02/2005)
Accumulation unit value at beginning of period		$1.48		$1.26		$1.38		$1.14		$0.81		$1.49		$1.36		$1.19		$1.00		—
Accumulation unit value at end of period		$2.02		$1.48		$1.26		$1.38		$1.14		$0.81		$1.49		$1.36		$1.19		—
Number of accumulation units outstanding at end of period (000 omitted)		17,694		20,051		25,903		33,723		57,405		76,989		71,709		101,239		6,605		—

Columbia Variable Portfolio – Multi-Strategy Alternatives Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.95		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		732		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – S&P 500 Index Fund (Class 3) (05/01/2000)
Accumulation unit value at beginning of period		$1.07		$0.93		$0.93		$0.81		$0.65		$1.04		$1.00		$0.87		$0.84		$0.77
Accumulation unit value at end of period		$1.40		$1.07		$0.93		$0.93		$0.81		$0.65		$1.04		$1.00		$0.87		$0.84
Number of accumulation units outstanding at end of period (000 omitted)		52,071		57,241		65,653		77,987		91,208		100,420		127,010		139,008		154,949		144,039

Columbia Variable Portfolio – Select Large-Cap Value Fund (Class 3) (02/04/2004)
Accumulation unit value at beginning of period		$1.37		$1.17		$1.19		$1.00		$0.80		$1.33		$1.34		$1.14		$1.10		$1.00
Accumulation unit value at end of period		$1.87		$1.37		$1.17		$1.19		$1.00		$0.80		$1.33		$1.34		$1.14		$1.10
Number of accumulation units outstanding at end of period (000 omitted)		11,118		8,170		9,950		10,640		6,269		5,696		7,988		7,937		6,232		3,498

Columbia Variable Portfolio – Select Smaller-Cap Value Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$1.90		$1.63		$1.79		$1.42		$1.03		$1.68		$1.77		$1.60		$1.53		$1.30
Accumulation unit value at end of period		$2.80		$1.90		$1.63		$1.79		$1.42		$1.03		$1.68		$1.77		$1.60		$1.53
Number of accumulation units outstanding at end of period (000 omitted)		11,928		13,295		16,466		19,549		21,859		26,621		38,095		49,721		59,243		61,563

Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$1.38		$1.37		$1.36		$1.33		$1.27		$1.31		$1.25		$1.22		$1.21		$1.21
Accumulation unit value at end of period		$1.34		$1.38		$1.37		$1.36		$1.33		$1.27		$1.31		$1.25		$1.22		$1.21
Number of accumulation units outstanding at end of period (000 omitted)		43,683		65,849		78,480		95,906		109,059		125,698		120,018		125,729		145,087		160,725

Credit Suisse Trust – Commodity Return Strategy Portfolio (05/01/2006)
Accumulation unit value at beginning of period		$0.86		$0.89		$1.02		$0.88		$0.74		$1.13		$0.97		$1.00		—		—
Accumulation unit value at end of period		$0.77		$0.86		$0.89		$1.02		$0.88		$0.74		$1.13		$0.97		—		—
Number of accumulation units outstanding at end of period (000 omitted)		24,974		31,771		38,081		37,446		39,767		30,400		17,045		51,380		—		—

DWS Alternative Asset Allocation VIP, Class B (04/30/2012)
Accumulation unit value at beginning of period		$1.00		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.00		$1.00		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		8,510		3,246		—		—		—		—		—		—		—		—

Eaton Vance VT Floating-Rate Income Fund (05/01/2006)
Accumulation unit value at beginning of period		$1.26		$1.19		$1.17		$1.08		$0.75		$1.04		$1.03		$1.00		—		—
Accumulation unit value at end of period		$1.30		$1.26		$1.19		$1.17		$1.08		$0.75		$1.04		$1.03		—		—
Number of accumulation units outstanding at end of period (000 omitted)		86,779		67,900		74,599		74,514		162,181		119,741		111,086		103,830		—		—

Fidelity^® VIP Contrafund^® Portfolio Service Class 2 (05/01/2006)
Accumulation unit value at beginning of period		$1.19		$1.03		$1.07		$0.92		$0.68		$1.20		$1.03		$1.00		—		—
Accumulation unit value at end of period		$1.54		$1.19		$1.03		$1.07		$0.92		$0.68		$1.20		$1.03		—		—
Number of accumulation units outstanding at end of period (000 omitted)		116,341		135,683		162,922		192,769		269,589		398,515		294,643		244,121		—		—

Fidelity^® VIP Growth & Income Portfolio Service Class 2 (08/13/2001)
Accumulation unit value at beginning of period		$1.37		$1.17		$1.16		$1.02		$0.81		$1.40		$1.26		$1.13		$1.06		$1.01
Accumulation unit value at end of period		$1.81		$1.37		$1.17		$1.16		$1.02		$0.81		$1.40		$1.26		$1.13		$1.06
Number of accumulation units outstanding at end of period (000 omitted)		47,015		55,533		65,028		77,301		92,559		113,690		148,743		173,861		189,109		187,351

Fidelity^® VIP Mid Cap Portfolio Service Class 2 (08/13/2001)
Accumulation unit value at beginning of period		$2.52		$2.21		$2.50		$1.96		$1.41		$2.36		$2.06		$1.85		$1.58		$1.27
Accumulation unit value at end of period		$3.39		$2.52		$2.21		$2.50		$1.96		$1.41		$2.36		$2.06		$1.85		$1.58
Number of accumulation units outstanding at end of period (000 omitted)		73,540		88,455		109,162		132,015		187,652		236,346		264,423		290,678		260,492		188,565

Fidelity^® VIP Overseas Portfolio Service Class 2 (08/13/2001)
Accumulation unit value at beginning of period		$1.46		$1.22		$1.49		$1.33		$1.06		$1.91		$1.64		$1.40		$1.19		$1.06
Accumulation unit value at end of period		$1.88		$1.46		$1.22		$1.49		$1.33		$1.06		$1.91		$1.64		$1.40		$1.19
Number of accumulation units outstanding at end of period (000 omitted)		21,346		24,321		30,682		36,566		43,314		53,513		66,434		74,339		70,878		66,935

Fidelity^® VIP Strategic Income Portfolio Service Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		4,174		—		—		—		—		—		—		—		—		—

68 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 0.75% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


FTVIPT Franklin Global Real Estate VIP Fund – Class 2 (09/15/1999)
Accumulation unit value at beginning of period		$2.44		$1.93		$2.06		$1.71		$1.45		$2.53		$3.23		$2.70		$2.39		$1.83
Accumulation unit value at end of period		$2.47		$2.44		$1.93		$2.06		$1.71		$1.45		$2.53		$3.23		$2.70		$2.39
Number of accumulation units outstanding at end of period (000 omitted)		28,482		31,720		36,714		42,372		50,767		62,873		93,100		128,540		139,618		120,456

FTVIPT Franklin Income VIP Fund – Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.07		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		4,290		—		—		—		—		—		—		—		—		—

FTVIPT Franklin Mutual Shares VIP Fund – Class 2 (08/13/2001)
Accumulation unit value at beginning of period		$1.49		$1.32		$1.34		$1.21		$0.97		$1.55		$1.51		$1.29		$1.17		$1.05
Accumulation unit value at end of period		$1.90		$1.49		$1.32		$1.34		$1.21		$0.97		$1.55		$1.51		$1.29		$1.17
Number of accumulation units outstanding at end of period (000 omitted)		28,344		33,231		41,319		50,331		57,678		68,255		94,998		90,391		69,986		45,710

FTVIPT Franklin Small Cap Value VIP Fund – Class 2 (09/15/1999)
Accumulation unit value at beginning of period		$2.89		$2.46		$2.58		$2.02		$1.58		$2.38		$2.45		$2.11		$1.96		$1.59
Accumulation unit value at end of period		$3.91		$2.89		$2.46		$2.58		$2.02		$1.58		$2.38		$2.45		$2.11		$1.96
Number of accumulation units outstanding at end of period (000 omitted)		19,202		22,727		28,384		34,971		42,025		52,033		66,946		78,886		78,073		59,293

FTVIPT Templeton Global Bond VIP Fund – Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		5,646		—		—		—		—		—		—		—		—		—

Goldman Sachs VIT Mid Cap Value Fund – Institutional Shares (09/15/1999)
Accumulation unit value at beginning of period		$3.06		$2.60		$2.80		$2.26		$1.71		$2.73		$2.67		$2.31		$2.07		$1.65
Accumulation unit value at end of period		$4.04		$3.06		$2.60		$2.80		$2.26		$1.71		$2.73		$2.67		$2.31		$2.07
Number of accumulation units outstanding at end of period (000 omitted)		35,669		42,578		52,628		64,121		78,043		97,291		139,637		163,687		174,918		115,616

Goldman Sachs VIT U.S. Equity Insights Fund – Institutional Shares (09/15/1999)
Accumulation unit value at beginning of period		$1.12		$0.99		$0.96		$0.85		$0.71		$1.14		$1.16		$1.04		$0.98		$0.86
Accumulation unit value at end of period		$1.53		$1.12		$0.99		$0.96		$0.85		$0.71		$1.14		$1.16		$1.04		$0.98
Number of accumulation units outstanding at end of period (000 omitted)		52,166		61,881		73,864		90,486		108,298		131,282		187,585		231,223		248,935		128,074

Invesco V.I. American Franchise Fund, Series II Shares (04/27/2012)
Accumulation unit value at beginning of period		$0.97		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.34		$0.97		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		37,224		45,878		—		—		—		—		—		—		—		—

Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		3,989		—		—		—		—		—		—		—		—		—

Invesco V.I. Comstock Fund, Series II Shares (02/04/2004)
Accumulation unit value at beginning of period		$1.42		$1.20		$1.24		$1.08		$0.85		$1.33		$1.37		$1.19		$1.15		$1.00
Accumulation unit value at end of period		$1.91		$1.42		$1.20		$1.24		$1.08		$0.85		$1.33		$1.37		$1.19		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		58,839		71,034		86,061		100,324		178,986		227,595		224,730		258,223		203,272		36,974

Invesco V.I. Diversified Dividend Fund, Series I Shares (04/29/2011)
Accumulation unit value at beginning of period		$1.08		$0.92		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.41		$1.08		$0.92		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		10,022		8,770		7,943		—		—		—		—		—		—		—

Invesco V.I. Global Health Care Fund, Series II Shares (05/01/2006)
Accumulation unit value at beginning of period		$1.30		$1.09		$1.06		$1.01		$0.80		$1.13		$1.02		$1.00		—		—
Accumulation unit value at end of period		$1.81		$1.30		$1.09		$1.06		$1.01		$0.80		$1.13		$1.02		—		—
Number of accumulation units outstanding at end of period (000 omitted)		8,251		7,227		7,312		7,456		8,089		8,014		5,881		33,923		—		—

Invesco V.I. International Growth Fund, Series II Shares (11/01/2005)
Accumulation unit value at beginning of period		$1.47		$1.28		$1.39		$1.24		$0.93		$1.57		$1.39		$1.09		$1.00		—
Accumulation unit value at end of period		$1.73		$1.47		$1.28		$1.39		$1.24		$0.93		$1.57		$1.39		$1.09		—
Number of accumulation units outstanding at end of period (000 omitted)		22,446		25,580		30,304		36,189		128,526		99,290		48,018		1,744		127		—

Invesco V.I. Mid Cap Growth Fund, Series I Shares (04/27/2012)
Accumulation unit value at beginning of period		$0.98		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.33		$0.98		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		7,534		8,633		—		—		—		—		—		—		—		—

Invesco V.I. Mid Cap Growth Fund, Series II Shares (04/27/2012)
Accumulation unit value at beginning of period		$0.98		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.33		$0.98		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		8,605		9,719		—		—		—		—		—		—		—		—

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 69


Variable account charges of 0.75% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Invesco V.I. Technology Fund, Series I Shares (08/13/2001)
Accumulation unit value at beginning of period		$0.92		$0.83		$0.88		$0.73		$0.47		$0.85		$0.80		$0.73		$0.72		$0.69
Accumulation unit value at end of period		$1.14		$0.92		$0.83		$0.88		$0.73		$0.47		$0.85		$0.80		$0.73		$0.72
Number of accumulation units outstanding at end of period (000 omitted)		14,171		16,565		19,212		21,966		21,730		19,001		21,716		25,440		31,926		14,454

Ivy Funds VIP Asset Strategy (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.20		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		5,619		—		—		—		—		—		—		—		—		—

Janus Aspen Series Flexible Bond Portfolio: Service Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		2,585		—		—		—		—		—		—		—		—		—

Janus Aspen Series Global Allocation Portfolio – Moderate: Service Shares (04/30/2012)
Accumulation unit value at beginning of period		$1.04		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.18		$1.04		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		2,094		252		—		—		—		—		—		—		—		—

Janus Aspen Series Global Technology Portfolio: Service Shares (05/01/2000)
Accumulation unit value at beginning of period		$0.59		$0.50		$0.55		$0.45		$0.29		$0.52		$0.43		$0.40		$0.36		$0.36
Accumulation unit value at end of period		$0.80		$0.59		$0.50		$0.55		$0.45		$0.29		$0.52		$0.43		$0.40		$0.36
Number of accumulation units outstanding at end of period (000 omitted)		15,146		17,509		21,201		27,036		27,957		23,828		28,860		30,606		32,606		37,258

Janus Aspen Series Janus Portfolio: Service Shares (05/01/2007)
Accumulation unit value at beginning of period		$1.07		$0.91		$0.97		$0.85		$0.63		$1.06		$1.00		—		—		—
Accumulation unit value at end of period		$1.38		$1.07		$0.91		$0.97		$0.85		$0.63		$1.06		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		13,621		17,837		22,462		31,752		305,123		238,472		154,650		—		—		—

Janus Aspen Series Overseas Portfolio: Service Shares (05/01/2000)
Accumulation unit value at beginning of period		$1.35		$1.20		$1.78		$1.44		$0.81		$1.71		$1.34		$0.92		$0.70		$0.60
Accumulation unit value at end of period		$1.53		$1.35		$1.20		$1.78		$1.44		$0.81		$1.71		$1.34		$0.92		$0.70
Number of accumulation units outstanding at end of period (000 omitted)		20,940		28,307		40,311		55,565		61,696		69,375		80,158		77,239		72,832		75,760

Lazard Retirement Global Dynamic Multi-Asset Portfolio – Service Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.12		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		847		—		—		—		—		—		—		—		—		—

MFS^® Investors Growth Stock Series – Service Class (05/01/2000)
Accumulation unit value at beginning of period		$0.86		$0.74		$0.74		$0.67		$0.48		$0.77		$0.70		$0.66		$0.64		$0.59
Accumulation unit value at end of period		$1.11		$0.86		$0.74		$0.74		$0.67		$0.48		$0.77		$0.70		$0.66		$0.64
Number of accumulation units outstanding at end of period (000 omitted)		34,702		39,849		47,281		57,389		67,421		63,755		80,158		100,533		117,493		108,239

MFS^® New Discovery Series – Service Class (05/01/2000)
Accumulation unit value at beginning of period		$1.41		$1.17		$1.32		$0.98		$0.61		$1.01		$0.99		$0.89		$0.85		$0.81
Accumulation unit value at end of period		$1.97		$1.41		$1.17		$1.32		$0.98		$0.61		$1.01		$0.99		$0.89		$0.85
Number of accumulation units outstanding at end of period (000 omitted)		17,289		20,047		25,583		25,934		28,887		32,039		42,261		51,188		62,995		77,406

MFS^® Utilities Series – Service Class (08/13/2001)
Accumulation unit value at beginning of period		$2.45		$2.18		$2.07		$1.83		$1.39		$2.25		$1.78		$1.37		$1.18		$0.92
Accumulation unit value at end of period		$2.93		$2.45		$2.18		$2.07		$1.83		$1.39		$2.25		$1.78		$1.37		$1.18
Number of accumulation units outstanding at end of period (000 omitted)		32,640		38,539		46,187		47,357		56,324		67,989		78,212		71,164		55,870		28,362

Morgan Stanley UIF Global Real Estate Portfolio, Class II Shares (05/01/2006)
Accumulation unit value at beginning of period		$1.20		$0.93		$1.05		$0.86		$0.61		$1.11		$1.23		$1.00		—		—
Accumulation unit value at end of period		$1.23		$1.20		$0.93		$1.05		$0.86		$0.61		$1.11		$1.23		—		—
Number of accumulation units outstanding at end of period (000 omitted)		17,893		19,518		22,051		25,144		67,174		88,969		51,109		51,499		—		—

Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares (05/01/2006)
Accumulation unit value at beginning of period		$1.29		$1.20		$1.30		$0.99		$0.64		$1.20		$0.99		$1.00		—		—
Accumulation unit value at end of period		$1.76		$1.29		$1.20		$1.30		$0.99		$0.64		$1.20		$0.99		—		—
Number of accumulation units outstanding at end of period (000 omitted)		8,493		11,635		18,214		17,947		18,479		17,546		14,940		37,273		—		—

Neuberger Berman Advisers Management Trust International Equity Portfolio (Class S) (05/01/2006)
Accumulation unit value at beginning of period		$0.94		$0.80		$0.92		$0.76		$0.57		$1.07		$1.04		$1.00		—		—
Accumulation unit value at end of period		$1.10		$0.94		$0.80		$0.92		$0.76		$0.57		$1.07		$1.04		—		—
Number of accumulation units outstanding at end of period (000 omitted)		6,179		6,765		8,478		9,073		75,726		78,811		64,614		57,067		—		—

Oppenheimer Global Fund/VA, Service Shares (02/04/2004)
Accumulation unit value at beginning of period		$1.64		$1.37		$1.51		$1.31		$0.95		$1.60		$1.52		$1.31		$1.16		$1.00
Accumulation unit value at end of period		$2.07		$1.64		$1.37		$1.51		$1.31		$0.95		$1.60		$1.52		$1.31		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		19,743		21,566		26,339		29,183		31,543		36,705		48,173		51,514		33,811		11,540

70 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 0.75% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Oppenheimer Global Strategic Income Fund/VA, Service Shares (02/04/2004)
Accumulation unit value at beginning of period		$1.60		$1.43		$1.43		$1.25		$1.07		$1.26		$1.16		$1.09		$1.07		$1.00
Accumulation unit value at end of period		$1.58		$1.60		$1.43		$1.43		$1.25		$1.07		$1.26		$1.16		$1.09		$1.07
Number of accumulation units outstanding at end of period (000 omitted)		148,191		194,916		225,204		265,863		519,119		569,070		536,032		339,587		150,945		22,945

Oppenheimer Main Street Small Cap Fund^®/VA, Service Shares (02/04/2004)
Accumulation unit value at beginning of period		$1.62		$1.38		$1.43		$1.17		$0.86		$1.40		$1.43		$1.26		$1.15		$1.00
Accumulation unit value at end of period		$2.25		$1.62		$1.38		$1.43		$1.17		$0.86		$1.40		$1.43		$1.26		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		12,453		13,918		16,342		19,999		23,658		27,205		34,265		34,462		18,592		7,652

PIMCO VIT All Asset Portfolio, Advisor Class (05/01/2006)
Accumulation unit value at beginning of period		$1.46		$1.28		$1.26		$1.13		$0.93		$1.12		$1.04		$1.00		—		—
Accumulation unit value at end of period		$1.45		$1.46		$1.28		$1.26		$1.13		$0.93		$1.12		$1.04		—		—
Number of accumulation units outstanding at end of period (000 omitted)		48,561		69,811		69,382		75,522		218,702		228,912		161,214		154,199		—		—

PIMCO VIT Global Multi-Asset Managed Allocation Portfolio, Advisor Class (04/30/2012)
Accumulation unit value at beginning of period		$1.03		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.94		$1.03		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,413		863		—		—		—		—		—		—		—		—

PIMCO VIT Total Return Portfolio, Advisor Class (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.96		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,912		—		—		—		—		—		—		—		—		—

Putnam VT Global Health Care Fund – Class IB Shares (08/13/2001)
Accumulation unit value at beginning of period		$1.37		$1.13		$1.15		$1.13		$0.90		$1.10		$1.11		$1.09		$0.97		$0.91
Accumulation unit value at end of period		$1.92		$1.37		$1.13		$1.15		$1.13		$0.90		$1.10		$1.11		$1.09		$0.97
Number of accumulation units outstanding at end of period (000 omitted)		7,225		7,626		9,058		10,511		12,725		15,248		19,770		25,848		27,299		21,518

Putnam VT International Equity Fund – Class IB Shares (08/13/2001)
Accumulation unit value at beginning of period		$1.31		$1.09		$1.32		$1.21		$0.98		$1.75		$1.63		$1.29		$1.15		$1.00
Accumulation unit value at end of period		$1.67		$1.31		$1.09		$1.32		$1.21		$0.98		$1.75		$1.63		$1.29		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		7,141		8,813		11,088		13,460		16,372		20,502		29,411		34,316		37,980		40,598

Putnam VT Multi-Cap Growth Fund – Class IB Shares (09/24/2010)
Accumulation unit value at beginning of period		$1.23		$1.07		$1.13		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.67		$1.23		$1.07		$1.13		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		10,340		11,916		14,126		17,030		—		—		—		—		—		—

Van Eck VIP Global Gold Fund (Class S Shares) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.77		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,091		—		—		—		—		—		—		—		—		—

Variable Portfolio – Aggressive Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.22		$1.08		$1.12		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.46		$1.22		$1.08		$1.12		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		68,358		59,074		57,559		22,643		—		—		—		—		—		—

Variable Portfolio – Aggressive Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.22		$1.08		$1.12		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.46		$1.22		$1.08		$1.12		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		183,069		213,296		258,558		287,015		—		—		—		—		—		—

Variable Portfolio – AQR Managed Futures Strategy Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.03		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		2,181		—		—		—		—		—		—		—		—		—

Variable Portfolio – BlackRock Global Inflation-Protected Securities Fund (Class 3) (09/13/2004)
Accumulation unit value at beginning of period		$1.41		$1.34		$1.23		$1.19		$1.12		$1.13		$1.05		$1.05		$1.03		$1.00
Accumulation unit value at end of period		$1.32		$1.41		$1.34		$1.23		$1.19		$1.12		$1.13		$1.05		$1.05		$1.03
Number of accumulation units outstanding at end of period (000 omitted)		51,052		72,377		82,435		92,837		302,524		171,393		147,400		161,490		91,038		2,274

Variable Portfolio – Conservative Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.14		$1.07		$1.05		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.17		$1.14		$1.07		$1.05		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		66,474		103,582		81,730		19,114		—		—		—		—		—		—

Variable Portfolio – Conservative Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.14		$1.07		$1.05		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.17		$1.14		$1.07		$1.05		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		116,673		217,500		212,474		171,495		—		—		—		—		—		—

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 71


Variable account charges of 0.75% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Variable Portfolio – Goldman Sachs Commodity Strategy Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.92		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		359		—		—		—		—		—		—		—		—		—

Variable Portfolio – Moderate Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.20		$1.09		$1.10		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.33		$1.20		$1.09		$1.10		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		402,208		377,699		318,883		150,412		—		—		—		—		—		—

Variable Portfolio – Moderate Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.20		$1.09		$1.10		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.33		$1.20		$1.09		$1.10		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,191,618		1,322,146		1,448,513		1,625,658		—		—		—		—		—		—

Variable Portfolio – Moderately Aggressive Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.21		$1.09		$1.11		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.40		$1.21		$1.09		$1.11		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		232,062		196,988		181,157		85,099		—		—		—		—		—		—

Variable Portfolio – Moderately Aggressive Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.22		$1.09		$1.11		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.40		$1.22		$1.09		$1.11		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		710,239		837,813		998,828		1,122,490		—		—		—		—		—		—

Variable Portfolio – Moderately Conservative Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.17		$1.08		$1.07		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.24		$1.17		$1.08		$1.07		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		154,600		197,629		149,512		53,054		—		—		—		—		—		—

Variable Portfolio – Moderately Conservative Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.17		$1.08		$1.07		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.25		$1.17		$1.08		$1.07		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		329,684		449,177		439,108		454,692		—		—		—		—		—		—

Variable Portfolio – Partners Small Cap Value Fund (Class 3) (08/14/2001)
Accumulation unit value at beginning of period		$2.19		$1.94		$2.05		$1.66		$1.22		$1.80		$1.91		$1.60		$1.52		$1.28
Accumulation unit value at end of period		$2.93		$2.19		$1.94		$2.05		$1.66		$1.22		$1.80		$1.91		$1.60		$1.52
Number of accumulation units outstanding at end of period (000 omitted)		25,397		31,851		39,424		48,893		149,191		156,845		148,793		126,637		127,559		90,541

Variable Portfolio – Pyrford International Equity Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.05		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		128		—		—		—		—		—		—		—		—		—

Variable Portfolio – Sit Dividend Growth Fund (Class 3) (05/01/2006)
Accumulation unit value at beginning of period		$1.03		$0.94		$0.98		$0.89		$0.68		$1.12		$1.09		$1.00		—		—
Accumulation unit value at end of period		$1.32		$1.03		$0.94		$0.98		$0.89		$0.68		$1.12		$1.09		—		—
Number of accumulation units outstanding at end of period (000 omitted)		12,078		13,840		18,111		24,428		303,537		183,635		117,605		123,150		—		—

Variable Portfolio – Victory Established Value Fund (Class 3) (02/04/2004)
Accumulation unit value at beginning of period		$1.51		$1.30		$1.40		$1.16		$0.85		$1.36		$1.29		$1.12		$1.12		$1.00
Accumulation unit value at end of period		$2.03		$1.51		$1.30		$1.40		$1.16		$0.85		$1.36		$1.29		$1.12		$1.12
Number of accumulation units outstanding at end of period (000 omitted)		3,576		3,731		4,276		4,535		5,203		6,409		9,188		9,786		10,247		4,730

Wanger International (09/15/1999)
Accumulation unit value at beginning of period		$2.67		$2.21		$2.61		$2.11		$1.42		$2.62		$2.27		$1.67		$1.38		$1.07
Accumulation unit value at end of period		$3.24		$2.67		$2.21		$2.61		$2.11		$1.42		$2.62		$2.27		$1.67		$1.38
Number of accumulation units outstanding at end of period (000 omitted)		46,513		53,436		66,511		80,435		131,326		142,736		164,570		186,862		170,230		104,567

Wanger USA (09/15/1999)
Accumulation unit value at beginning of period		$2.33		$1.96		$2.05		$1.67		$1.18		$1.98		$1.89		$1.77		$1.60		$1.36
Accumulation unit value at end of period		$3.10		$2.33		$1.96		$2.05		$1.67		$1.18		$1.98		$1.89		$1.77		$1.60
Number of accumulation units outstanding at end of period (000 omitted)		59,078		69,932		84,309		102,578		155,213		176,483		212,646		235,960		241,623		184,961

Wells Fargo Advantage VT Index Asset Allocation Fund – Class 2 (05/01/2001)
Accumulation unit value at beginning of period		$1.47		$1.31		$1.24		$1.10		$0.96		$1.37		$1.28		$1.15		$1.10		$1.02
Accumulation unit value at end of period		$1.74		$1.47		$1.31		$1.24		$1.10		$0.96		$1.37		$1.28		$1.15		$1.10
Number of accumulation units outstanding at end of period (000 omitted)		8,990		10,621		12,268		15,176		19,120		25,423		37,314		40,046		43,629		41,656

Wells Fargo Advantage VT International Equity Fund – Class 2 (02/04/2004)
Accumulation unit value at beginning of period		$1.37		$1.21		$1.41		$1.22		$1.06		$1.83		$1.61		$1.32		$1.15		$1.00
Accumulation unit value at end of period		$1.62		$1.37		$1.21		$1.41		$1.22		$1.06		$1.83		$1.61		$1.32		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		11,282		13,374		16,786		20,616		113,414		12,645		16,521		19,055		15,273		4,245

72 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 0.75% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Wells Fargo Advantage VT Opportunity Fund – Class 2 (08/13/2001)
Accumulation unit value at beginning of period		$1.66		$1.45		$1.54		$1.26		$0.86		$1.44		$1.36		$1.22		$1.14		$0.97
Accumulation unit value at end of period		$2.15		$1.66		$1.45		$1.54		$1.26		$0.86		$1.44		$1.36		$1.22		$1.14
Number of accumulation units outstanding at end of period (000 omitted)		12,893		16,305		21,795		16,904		19,019		22,799		30,772		36,471		41,049		43,145

Wells Fargo Advantage VT Small Cap Growth Fund – Class 2 (05/01/2001)
Accumulation unit value at beginning of period		$1.50		$1.40		$1.48		$1.18		$0.78		$1.34		$1.18		$0.97		$0.92		$0.81
Accumulation unit value at end of period		$2.24		$1.50		$1.40		$1.48		$1.18		$0.78		$1.34		$1.18		$0.97		$0.92
Number of accumulation units outstanding at end of period (000 omitted)		12,946		15,400		20,502		28,351		31,042		29,488		35,670		25,726		19,618		22,185

Western Asset Variable Global High Yield Bond Portfolio – Class II (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.02		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		811		—		—		—		—		—		—		—		—		—



Variable account charges of 1.20% of the daily net assets of the variable account.
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


AllianceBernstein VPS Dynamic Asset Allocation Portfolio (Class B) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.06		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		433		—		—		—		—		—		—		—		—		—

AllianceBernstein VPS Global Thematic Growth Portfolio (Class B) (11/01/2005)
Accumulation unit value at beginning of period		$1.05		$0.93		$1.24		$1.05		$0.70		$1.34		$1.13		$1.06		$1.00		—
Accumulation unit value at end of period		$1.27		$1.05		$0.93		$1.24		$1.05		$0.70		$1.34		$1.13		$1.06		—
Number of accumulation units outstanding at end of period (000 omitted)		309		288		415		437		548		301		264		846		148		—

AllianceBernstein VPS Growth and Income Portfolio (Class B) (02/13/2002)
Accumulation unit value at beginning of period		$1.35		$1.17		$1.11		$1.00		$0.84		$1.43		$1.38		$1.20		$1.16		$1.05
Accumulation unit value at end of period		$1.80		$1.35		$1.17		$1.11		$1.00		$0.84		$1.43		$1.38		$1.20		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		1,714		2,074		2,548		3,288		4,258		6,035		9,112		12,504		14,313		11,547

AllianceBernstein VPS International Value Portfolio (Class B) (02/13/2002)
Accumulation unit value at beginning of period		$1.52		$1.35		$1.69		$1.64		$1.24		$2.68		$2.57		$1.92		$1.67		$1.35
Accumulation unit value at end of period		$1.84		$1.52		$1.35		$1.69		$1.64		$1.24		$2.68		$2.57		$1.92		$1.67
Number of accumulation units outstanding at end of period (000 omitted)		3,099		3,734		4,866		6,458		9,981		15,720		18,897		19,979		16,470		7,898

ALPS/Alerian Energy Infrastructure Portfolio: Class III (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.06		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		543		—		—		—		—		—		—		—		—		—

American Century VP International, Class II (02/13/2002)
Accumulation unit value at beginning of period		$1.58		$1.32		$1.52		$1.36		$1.03		$1.90		$1.63		$1.32		$1.18		$1.04
Accumulation unit value at end of period		$1.91		$1.58		$1.32		$1.52		$1.36		$1.03		$1.90		$1.63		$1.32		$1.18
Number of accumulation units outstanding at end of period (000 omitted)		850		987		1,335		1,679		2,015		2,795		3,680		4,188		3,768		2,448

American Century VP Mid Cap Value, Class II (05/01/2007)
Accumulation unit value at beginning of period		$1.14		$0.99		$1.01		$0.86		$0.67		$0.90		$1.00		—		—		—
Accumulation unit value at end of period		$1.46		$1.14		$0.99		$1.01		$0.86		$0.67		$0.90		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		599		625		582		775		2,523		4,001		5,266		—		—		—

American Century VP Ultra^®, Class II (11/01/2005)
Accumulation unit value at beginning of period		$1.16		$1.03		$1.03		$0.90		$0.68		$1.18		$0.99		$1.04		$1.00		—
Accumulation unit value at end of period		$1.57		$1.16		$1.03		$1.03		$0.90		$0.68		$1.18		$0.99		$1.04		—
Number of accumulation units outstanding at end of period (000 omitted)		770		915		992		992		1,098		1,338		1,445		6,545		1,015		—

American Century VP Value, Class II (02/13/2002)
Accumulation unit value at beginning of period		$1.56		$1.38		$1.38		$1.24		$1.05		$1.45		$1.54		$1.32		$1.27		$1.13
Accumulation unit value at end of period		$2.02		$1.56		$1.38		$1.38		$1.24		$1.05		$1.45		$1.54		$1.32		$1.27
Number of accumulation units outstanding at end of period (000 omitted)		4,853		4,953		5,339		5,469		6,158		8,079		12,429		15,592		16,716		10,779

BlackRock Global Allocation V.I. Fund (Class III) (04/30/2012)
Accumulation unit value at beginning of period		$1.03		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.16		$1.03		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,906		428		—		—		—		—		—		—		—		—

Calvert VP SRI Balanced Portfolio (02/13/2002)
Accumulation unit value at beginning of period		$1.33		$1.21		$1.17		$1.06		$0.86		$1.26		$1.24		$1.16		$1.11		$1.04
Accumulation unit value at end of period		$1.54		$1.33		$1.21		$1.17		$1.06		$0.86		$1.26		$1.24		$1.16		$1.11
Number of accumulation units outstanding at end of period (000 omitted)		614		583		649		737		858		1,073		1,711		2,144		2,283		1,690

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 73


Variable account charges of 1.20% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Columbia Variable Portfolio – Balanced Fund (Class 3) (02/13/2002)
Accumulation unit value at beginning of period		$1.45		$1.29		$1.27		$1.14		$0.93		$1.35		$1.34		$1.18		$1.15		$1.07
Accumulation unit value at end of period		$1.74		$1.45		$1.29		$1.27		$1.14		$0.93		$1.35		$1.34		$1.18		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		3,681		3,269		3,744		4,325		6,111		2,378		4,008		3,764		3,085		2,273

Columbia Variable Portfolio – Cash Management Fund (Class 3) (02/13/2002)
Accumulation unit value at beginning of period		$1.03		$1.04		$1.06		$1.07		$1.08		$1.07		$1.03		$1.00		$0.99		$0.99
Accumulation unit value at end of period		$1.02		$1.03		$1.04		$1.06		$1.07		$1.08		$1.07		$1.03		$1.00		$0.99
Number of accumulation units outstanding at end of period (000 omitted)		3,817		3,990		5,730		7,758		14,861		39,094		33,791		33,401		18,979		15,014

Columbia Variable Portfolio – Commodity Strategy Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.92		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		32		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Contrarian Core Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.21		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		342		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Core Bond Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.95		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		45		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Diversified Bond Fund (Class 3) (02/13/2002)
Accumulation unit value at beginning of period		$1.50		$1.41		$1.34		$1.25		$1.11		$1.20		$1.15		$1.12		$1.11		$1.07
Accumulation unit value at end of period		$1.45		$1.50		$1.41		$1.34		$1.25		$1.11		$1.20		$1.15		$1.12		$1.11
Number of accumulation units outstanding at end of period (000 omitted)		12,817		18,482		20,159		26,396		58,421		63,728		68,622		60,502		37,023		19,654

Columbia Variable Portfolio – Dividend Opportunity Fund (Class 3) (02/13/2002)
Accumulation unit value at beginning of period		$1.72		$1.53		$1.63		$1.41		$1.12		$1.91		$1.79		$1.51		$1.35		$1.15
Accumulation unit value at end of period		$2.16		$1.72		$1.53		$1.63		$1.41		$1.12		$1.91		$1.79		$1.51		$1.35
Number of accumulation units outstanding at end of period (000 omitted)		7,057		8,522		11,111		13,939		30,183		36,755		43,798		50,646		33,232		17,932

Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.90		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		254		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Emerging Markets Fund (Class 3) (02/13/2002)
Accumulation unit value at beginning of period		$3.16		$2.65		$3.40		$2.87		$1.67		$3.65		$2.68		$2.02		$1.53		$1.25
Accumulation unit value at end of period		$3.07		$3.16		$2.65		$3.40		$2.87		$1.67		$3.65		$2.68		$2.02		$1.53
Number of accumulation units outstanding at end of period (000 omitted)		1,470		1,611		1,940		2,468		3,600		5,787		5,242		5,716		4,677		1,199

Columbia Variable Portfolio – Global Bond Fund (Class 3) (02/13/2002)
Accumulation unit value at beginning of period		$1.81		$1.72		$1.66		$1.58		$1.43		$1.46		$1.37		$1.30		$1.38		$1.27
Accumulation unit value at end of period		$1.65		$1.81		$1.72		$1.66		$1.58		$1.43		$1.46		$1.37		$1.30		$1.38
Number of accumulation units outstanding at end of period (000 omitted)		4,069		5,077		5,792		7,371		16,121		18,675		22,272		19,781		15,541		8,857

Columbia Variable Portfolio – High Yield Bond Fund (Class 3) (02/13/2002)
Accumulation unit value at beginning of period		$2.18		$1.90		$1.82		$1.62		$1.06		$1.44		$1.43		$1.31		$1.27		$1.15
Accumulation unit value at end of period		$2.28		$2.18		$1.90		$1.82		$1.62		$1.06		$1.44		$1.43		$1.31		$1.27
Number of accumulation units outstanding at end of period (000 omitted)		4,734		5,671		6,355		7,802		9,680		11,973		19,687		25,271		27,474		25,456

Columbia Variable Portfolio – Income Opportunities Fund (Class 3) (09/13/2004)
Accumulation unit value at beginning of period		$1.72		$1.52		$1.45		$1.29		$0.92		$1.15		$1.13		$1.06		$1.04		$1.00
Accumulation unit value at end of period		$1.79		$1.72		$1.52		$1.45		$1.29		$0.92		$1.15		$1.13		$1.06		$1.04
Number of accumulation units outstanding at end of period (000 omitted)		3,286		4,217		4,518		5,416		17,730		11,540		12,716		13,255		4,187		271

Columbia Variable Portfolio – International Opportunity Fund (Class 3) (02/13/2002)
Accumulation unit value at beginning of period		$1.61		$1.39		$1.60		$1.42		$1.13		$1.92		$1.73		$1.41		$1.25		$1.08
Accumulation unit value at end of period		$1.95		$1.61		$1.39		$1.60		$1.42		$1.13		$1.92		$1.73		$1.41		$1.25
Number of accumulation units outstanding at end of period (000 omitted)		806		885		1,090		1,443		1,829		2,197		3,162		3,800		3,647		2,172

Columbia Variable Portfolio – Large Cap Growth Fund (Class 3) (02/13/2002)
Accumulation unit value at beginning of period		$1.15		$0.97		$1.02		$0.88		$0.65		$1.18		$1.16		$1.05		$0.98		$0.92
Accumulation unit value at end of period		$1.48		$1.15		$0.97		$1.02		$0.88		$0.65		$1.18		$1.16		$1.05		$0.98
Number of accumulation units outstanding at end of period (000 omitted)		1,991		2,239		2,709		3,547		4,530		6,110		10,992		13,741		13,519		4,079

Columbia Variable Portfolio – Large Core Quantitative Fund (Class 3) (02/13/2002)
Accumulation unit value at beginning of period		$1.25		$1.11		$1.07		$0.92		$0.75		$1.31		$1.29		$1.13		$1.08		$1.03
Accumulation unit value at end of period		$1.65		$1.25		$1.11		$1.07		$0.92		$0.75		$1.31		$1.29		$1.13		$1.08
Number of accumulation units outstanding at end of period (000 omitted)		2,670		3,109		3,980		5,013		6,295		7,479		10,299		12,875		11,604		2,482

74 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 1.20% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Columbia Variable Portfolio – Marsico Growth Fund (Class 1) (05/01/2006)
Accumulation unit value at beginning of period		$1.14		$1.02		$1.06		$0.89		$0.71		$1.18		$1.02		$1.00		—		—
Accumulation unit value at end of period		$1.52		$1.14		$1.02		$1.06		$0.89		$0.71		$1.18		$1.02		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,887		2,446		3,000		3,790		22,026		20,913		15,689		10,663		—		—

Columbia Variable Portfolio – Marsico International Opportunities Fund (Class 2) (05/01/2006)
Accumulation unit value at beginning of period		$0.94		$0.81		$0.98		$0.87		$0.64		$1.26		$1.06		$1.00		—		—
Accumulation unit value at end of period		$1.12		$0.94		$0.81		$0.98		$0.87		$0.64		$1.26		$1.06		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,243		1,302		1,688		1,766		2,195		2,857		2,426		5,251		—		—

Columbia Variable Portfolio – Mid Cap Growth Opportunity Fund (Class 3) (02/13/2002)
Accumulation unit value at beginning of period		$1.40		$1.27		$1.52		$1.22		$0.75		$1.38		$1.23		$1.25		$1.15		$1.06
Accumulation unit value at end of period		$1.81		$1.40		$1.27		$1.52		$1.22		$0.75		$1.38		$1.23		$1.25		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		453		560		877		1,155		1,372		1,170		1,887		2,741		2,961		3,400

Columbia Variable Portfolio – Mid Cap Value Opportunity Fund (Class 3) (05/02/2005)
Accumulation unit value at beginning of period		$1.43		$1.22		$1.35		$1.11		$0.80		$1.47		$1.35		$1.19		$1.00		—
Accumulation unit value at end of period		$1.94		$1.43		$1.22		$1.35		$1.11		$0.80		$1.47		$1.35		$1.19		—
Number of accumulation units outstanding at end of period (000 omitted)		814		1,034		1,325		1,680		2,952		5,049		5,225		7,878		393		—

Columbia Variable Portfolio – Multi-Strategy Alternatives Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.95		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		252		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – S&P 500 Index Fund (Class 3) (02/13/2002)
Accumulation unit value at beginning of period		$1.34		$1.18		$1.17		$1.03		$0.83		$1.34		$1.29		$1.13		$1.10		$1.01
Accumulation unit value at end of period		$1.75		$1.34		$1.18		$1.17		$1.03		$0.83		$1.34		$1.29		$1.13		$1.10
Number of accumulation units outstanding at end of period (000 omitted)		3,312		2,590		3,038		3,421		4,568		5,854		8,187		9,874		10,825		9,241

Columbia Variable Portfolio – Select Large-Cap Value Fund (Class 3) (02/04/2004)
Accumulation unit value at beginning of period		$1.32		$1.12		$1.16		$0.97		$0.78		$1.30		$1.33		$1.13		$1.09		$1.00
Accumulation unit value at end of period		$1.79		$1.32		$1.12		$1.16		$0.97		$0.78		$1.30		$1.33		$1.13		$1.09
Number of accumulation units outstanding at end of period (000 omitted)		710		665		477		561		429		584		789		734		632		499

Columbia Variable Portfolio – Select Smaller-Cap Value Fund (Class 3) (02/13/2002)
Accumulation unit value at beginning of period		$1.74		$1.49		$1.65		$1.32		$0.95		$1.57		$1.66		$1.51		$1.45		$1.24
Accumulation unit value at end of period		$2.55		$1.74		$1.49		$1.65		$1.32		$0.95		$1.57		$1.66		$1.51		$1.45
Number of accumulation units outstanding at end of period (000 omitted)		424		452		705		880		971		1,315		2,098		3,358		3,917		3,802

Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 3) (02/13/2002)
Accumulation unit value at beginning of period		$1.14		$1.14		$1.14		$1.12		$1.07		$1.11		$1.07		$1.04		$1.04		$1.04
Accumulation unit value at end of period		$1.11		$1.14		$1.14		$1.14		$1.12		$1.07		$1.11		$1.07		$1.04		$1.04
Number of accumulation units outstanding at end of period (000 omitted)		5,295		6,553		7,651		9,727		11,135		13,972		12,745		15,464		16,802		16,700

Credit Suisse Trust – Commodity Return Strategy Portfolio (05/01/2006)
Accumulation unit value at beginning of period		$0.83		$0.86		$1.00		$0.87		$0.73		$1.12		$0.97		$1.00		—		—
Accumulation unit value at end of period		$0.74		$0.83		$0.86		$1.00		$0.87		$0.73		$1.12		$0.97		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,744		2,125		2,408		2,563		2,966		2,963		1,728		4,962		—		—

DWS Alternative Asset Allocation VIP, Class B (04/30/2012)
Accumulation unit value at beginning of period		$1.00		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.99		$1.00		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		896		228		—		—		—		—		—		—		—		—

Eaton Vance VT Floating-Rate Income Fund (05/01/2006)
Accumulation unit value at beginning of period		$1.23		$1.16		$1.14		$1.06		$0.74		$1.03		$1.03		$1.00		—		—
Accumulation unit value at end of period		$1.26		$1.23		$1.16		$1.14		$1.06		$0.74		$1.03		$1.03		—		—
Number of accumulation units outstanding at end of period (000 omitted)		8,259		5,538		6,419		6,500		12,792		11,376		13,146		12,200		—		—

Fidelity^® VIP Contrafund^® Portfolio Service Class 2 (05/01/2006)
Accumulation unit value at beginning of period		$1.15		$1.00		$1.05		$0.90		$0.68		$1.19		$1.03		$1.00		—		—
Accumulation unit value at end of period		$1.49		$1.15		$1.00		$1.05		$0.90		$0.68		$1.19		$1.03		—		—
Number of accumulation units outstanding at end of period (000 omitted)		10,325		10,153		11,122		12,302		15,949		27,515		23,069		20,348		—		—

Fidelity^® VIP Growth & Income Portfolio Service Class 2 (02/13/2002)
Accumulation unit value at beginning of period		$1.35		$1.16		$1.16		$1.02		$0.81		$1.42		$1.28		$1.15		$1.09		$1.04
Accumulation unit value at end of period		$1.78		$1.35		$1.16		$1.16		$1.02		$0.81		$1.42		$1.28		$1.15		$1.09
Number of accumulation units outstanding at end of period (000 omitted)		2,893		3,338		4,067		5,091		6,236		8,328		12,003		16,152		18,132		18,010

Fidelity^® VIP Mid Cap Portfolio Service Class 2 (02/13/2002)
Accumulation unit value at beginning of period		$2.33		$2.05		$2.33		$1.84		$1.33		$2.23		$1.95		$1.76		$1.51		$1.23
Accumulation unit value at end of period		$3.12		$2.33		$2.05		$2.33		$1.84		$1.33		$2.23		$1.95		$1.76		$1.51
Number of accumulation units outstanding at end of period (000 omitted)		5,816		6,547		8,022		9,514		14,164		20,610		25,720		32,335		28,423		18,934

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 75


Variable account charges of 1.20% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Fidelity^® VIP Overseas Portfolio Service Class 2 (02/13/2002)
Accumulation unit value at beginning of period		$1.54		$1.30		$1.59		$1.43		$1.14		$2.07		$1.79		$1.53		$1.31		$1.17
Accumulation unit value at end of period		$1.99		$1.54		$1.30		$1.59		$1.43		$1.14		$2.07		$1.79		$1.53		$1.31
Number of accumulation units outstanding at end of period (000 omitted)		1,403		1,536		1,936		2,441		3,135		4,259		5,901		7,436		6,520		5,276

Fidelity^® VIP Strategic Income Portfolio Service Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		530		—		—		—		—		—		—		—		—		—

FTVIPT Franklin Global Real Estate VIP Fund – Class 2 (02/13/2002)
Accumulation unit value at beginning of period		$1.73		$1.37		$1.47		$1.23		$1.05		$1.84		$2.35		$1.97		$1.76		$1.35
Accumulation unit value at end of period		$1.75		$1.73		$1.37		$1.47		$1.23		$1.05		$1.84		$2.35		$1.97		$1.76
Number of accumulation units outstanding at end of period (000 omitted)		2,260		2,435		2,639		3,274		4,145		5,481		8,852		13,498		15,139		12,119

FTVIPT Franklin Income VIP Fund – Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.07		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		864		—		—		—		—		—		—		—		—		—

FTVIPT Franklin Mutual Shares VIP Fund – Class 2 (02/13/2002)
Accumulation unit value at beginning of period		$1.50		$1.33		$1.36		$1.24		$0.99		$1.60		$1.56		$1.34		$1.22		$1.10
Accumulation unit value at end of period		$1.90		$1.50		$1.33		$1.36		$1.24		$0.99		$1.60		$1.56		$1.34		$1.22
Number of accumulation units outstanding at end of period (000 omitted)		2,751		3,107		3,633		4,727		5,705		8,193		12,837		13,922		11,400		7,311

FTVIPT Franklin Small Cap Value VIP Fund – Class 2 (02/13/2002)
Accumulation unit value at beginning of period		$2.09		$1.78		$1.88		$1.48		$1.16		$1.75		$1.82		$1.57		$1.46		$1.20
Accumulation unit value at end of period		$2.81		$2.09		$1.78		$1.88		$1.48		$1.16		$1.75		$1.82		$1.57		$1.46
Number of accumulation units outstanding at end of period (000 omitted)		1,922		2,057		2,496		2,911		3,457		4,647		7,056		8,954		8,682		5,338

FTVIPT Templeton Global Bond VIP Fund – Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		681		—		—		—		—		—		—		—		—		—

Goldman Sachs VIT Mid Cap Value Fund – Institutional Shares (02/13/2002)
Accumulation unit value at beginning of period		$2.15		$1.83		$1.98		$1.60		$1.22		$1.96		$1.92		$1.68		$1.50		$1.21
Accumulation unit value at end of period		$2.82		$2.15		$1.83		$1.98		$1.60		$1.22		$1.96		$1.92		$1.68		$1.50
Number of accumulation units outstanding at end of period (000 omitted)		2,896		3,719		4,717		6,137		7,669		10,448		15,654		19,762		20,011		10,047

Goldman Sachs VIT U.S. Equity Insights Fund – Institutional Shares (02/13/2002)
Accumulation unit value at beginning of period		$1.28		$1.14		$1.10		$0.99		$0.83		$1.33		$1.37		$1.23		$1.17		$1.03
Accumulation unit value at end of period		$1.75		$1.28		$1.14		$1.10		$0.99		$0.83		$1.33		$1.37		$1.23		$1.17
Number of accumulation units outstanding at end of period (000 omitted)		2,113		2,613		3,289		4,364		5,508		7,207		11,550		15,324		16,269		6,220

Invesco V.I. American Franchise Fund, Series II Shares (04/27/2012)
Accumulation unit value at beginning of period		$0.97		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.33		$0.97		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		2,006		2,437		—		—		—		—		—		—		—		—

Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		2,301		—		—		—		—		—		—		—		—		—

Invesco V.I. Comstock Fund, Series II Shares (02/04/2004)
Accumulation unit value at beginning of period		$1.36		$1.16		$1.20		$1.05		$0.83		$1.30		$1.35		$1.18		$1.15		$1.00
Accumulation unit value at end of period		$1.83		$1.36		$1.16		$1.20		$1.05		$0.83		$1.30		$1.35		$1.18		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		4,816		5,740		7,423		9,203		15,447		21,701		27,381		32,887		26,831		6,418

Invesco V.I. Diversified Dividend Fund, Series I Shares (04/29/2011)
Accumulation unit value at beginning of period		$1.07		$0.92		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.39		$1.07		$0.92		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		810		429		539		—		—		—		—		—		—		—

Invesco V.I. Global Health Care Fund, Series II Shares (05/01/2006)
Accumulation unit value at beginning of period		$1.26		$1.06		$1.03		$1.00		$0.79		$1.13		$1.02		$1.00		—		—
Accumulation unit value at end of period		$1.75		$1.26		$1.06		$1.03		$1.00		$0.79		$1.13		$1.02		—		—
Number of accumulation units outstanding at end of period (000 omitted)		367		341		383		387		587		665		456		2,466		—		—

Invesco V.I. International Growth Fund, Series II Shares (11/01/2005)
Accumulation unit value at beginning of period		$1.42		$1.25		$1.36		$1.22		$0.92		$1.56		$1.38		$1.09		$1.00		—
Accumulation unit value at end of period		$1.67		$1.42		$1.25		$1.36		$1.22		$0.92		$1.56		$1.38		$1.09		—
Number of accumulation units outstanding at end of period (000 omitted)		959		1,079		1,233		1,536		7,083		7,389		4,140		267		5		—

76 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 1.20% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Invesco V.I. Mid Cap Growth Fund, Series I Shares (04/27/2012)
Accumulation unit value at beginning of period		$0.97		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.32		$0.97		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		123		153		—		—		—		—		—		—		—		—

Invesco V.I. Mid Cap Growth Fund, Series II Shares (04/27/2012)
Accumulation unit value at beginning of period		$0.97		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.32		$0.97		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		596		682		—		—		—		—		—		—		—		—

Invesco V.I. Technology Fund, Series I Shares (02/13/2002)
Accumulation unit value at beginning of period		$1.03		$0.94		$1.00		$0.83		$0.53		$0.98		$0.92		$0.84		$0.83		$0.80
Accumulation unit value at end of period		$1.27		$1.03		$0.94		$1.00		$0.83		$0.53		$0.98		$0.92		$0.84		$0.83
Number of accumulation units outstanding at end of period (000 omitted)		586		728		1,003		1,578		1,450		1,188		1,544		1,896		2,168		923

Ivy Funds VIP Asset Strategy (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.20		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,387		—		—		—		—		—		—		—		—		—

Janus Aspen Series Flexible Bond Portfolio: Service Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		243		—		—		—		—		—		—		—		—		—

Janus Aspen Series Global Allocation Portfolio – Moderate: Service Shares (04/30/2012)
Accumulation unit value at beginning of period		$1.04		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.17		$1.04		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		68		—		—		—		—		—		—		—		—		—

Janus Aspen Series Global Technology Portfolio: Service Shares (02/13/2002)
Accumulation unit value at beginning of period		$1.44		$1.23		$1.36		$1.11		$0.71		$1.29		$1.07		$1.01		$0.91		$0.92
Accumulation unit value at end of period		$1.93		$1.44		$1.23		$1.36		$1.11		$0.71		$1.29		$1.07		$1.01		$0.91
Number of accumulation units outstanding at end of period (000 omitted)		93		96		122		169		178		134		206		215		230		249

Janus Aspen Series Janus Portfolio: Service Shares (05/01/2007)
Accumulation unit value at beginning of period		$1.04		$0.89		$0.95		$0.84		$0.63		$1.06		$1.00		—		—		—
Accumulation unit value at end of period		$1.33		$1.04		$0.89		$0.95		$0.84		$0.63		$1.06		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		904		1,063		1,400		1,827		18,450		16,906		12,686		—		—		—

Janus Aspen Series Overseas Portfolio: Service Shares (02/13/2002)
Accumulation unit value at beginning of period		$2.26		$2.02		$3.02		$2.45		$1.38		$2.93		$2.32		$1.60		$1.23		$1.05
Accumulation unit value at end of period		$2.55		$2.26		$2.02		$3.02		$2.45		$1.38		$2.93		$2.32		$1.60		$1.23
Number of accumulation units outstanding at end of period (000 omitted)		240		318		534		725		806		986		1,042		1,094		854		1,006

Lazard Retirement Global Dynamic Multi Asset Portfolio – Service Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.12		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		397		—		—		—		—		—		—		—		—		—

MFS^® Investors Growth Stock Series – Service Class (02/13/2002)
Accumulation unit value at beginning of period		$1.28		$1.11		$1.12		$1.01		$0.74		$1.18		$1.08		$1.02		$0.99		$0.92
Accumulation unit value at end of period		$1.65		$1.28		$1.11		$1.12		$1.01		$0.74		$1.18		$1.08		$1.02		$0.99
Number of accumulation units outstanding at end of period (000 omitted)		1,178		1,187		1,322		1,440		2,149		2,427		3,135		4,033		4,710		3,047

MFS^® New Discovery Series – Service Class (02/13/2002)
Accumulation unit value at beginning of period		$1.59		$1.34		$1.51		$1.12		$0.70		$1.17		$1.16		$1.04		$1.00		$0.95
Accumulation unit value at end of period		$2.23		$1.59		$1.34		$1.51		$1.12		$0.70		$1.17		$1.16		$1.04		$1.00
Number of accumulation units outstanding at end of period (000 omitted)		924		1,014		1,248		1,318		1,542		1,851		2,675		3,472		4,247		4,567

MFS^® Utilities Series – Service Class (02/13/2002)
Accumulation unit value at beginning of period		$2.92		$2.61		$2.48		$2.21		$1.69		$2.74		$2.18		$1.68		$1.46		$1.14
Accumulation unit value at end of period		$3.47		$2.92		$2.61		$2.48		$2.21		$1.69		$2.74		$2.18		$1.68		$1.46
Number of accumulation units outstanding at end of period (000 omitted)		2,644		2,679		2,928		2,748		3,343		4,698		6,370		6,302		5,189		2,575

Morgan Stanley UIF Global Real Estate Portfolio, Class II Shares (05/01/2006)
Accumulation unit value at beginning of period		$1.17		$0.91		$1.03		$0.85		$0.61		$1.10		$1.22		$1.00		—		—
Accumulation unit value at end of period		$1.19		$1.17		$0.91		$1.03		$0.85		$0.61		$1.10		$1.22		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,547		1,651		1,854		2,304		4,848		7,113		4,961		4,670		—		—

Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares (05/01/2006)
Accumulation unit value at beginning of period		$1.25		$1.17		$1.28		$0.98		$0.63		$1.19		$0.99		$1.00		—		—
Accumulation unit value at end of period		$1.70		$1.25		$1.17		$1.28		$0.98		$0.63		$1.19		$0.99		—		—
Number of accumulation units outstanding at end of period (000 omitted)		933		1,242		1,686		1,284		1,240		1,487		1,490		3,111		—		—

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 77


Variable account charges of 1.20% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Neuberger Berman Advisers Management Trust International Equity Portfolio (Class S) (05/01/2006)
Accumulation unit value at beginning of period		$0.91		$0.78		$0.90		$0.75		$0.56		$1.06		$1.04		$1.00		—		—
Accumulation unit value at end of period		$1.06		$0.91		$0.78		$0.90		$0.75		$0.56		$1.06		$1.04		—		—
Number of accumulation units outstanding at end of period (000 omitted)		237		220		287		320		4,088		5,048		4,922		4,471		—		—

Oppenheimer Global Fund/VA, Service Shares (02/04/2004)
Accumulation unit value at beginning of period		$1.58		$1.32		$1.46		$1.28		$0.93		$1.58		$1.50		$1.30		$1.15		$1.00
Accumulation unit value at end of period		$1.98		$1.58		$1.32		$1.46		$1.28		$0.93		$1.58		$1.50		$1.30		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		2,554		2,440		2,763		2,966		3,414		4,437		6,986		8,796		5,927		2,391

Oppenheimer Global Strategic Income Fund/VA, Service Shares (02/04/2004)
Accumulation unit value at beginning of period		$1.54		$1.38		$1.38		$1.22		$1.04		$1.23		$1.14		$1.08		$1.06		$1.00
Accumulation unit value at end of period		$1.51		$1.54		$1.38		$1.38		$1.22		$1.04		$1.23		$1.14		$1.08		$1.06
Number of accumulation units outstanding at end of period (000 omitted)		13,581		17,582		20,765		25,920		45,739		58,677		62,902		46,387		23,303		4,223

Oppenheimer Main Street Small Cap Fund^®/VA, Service Shares (02/04/2004)
Accumulation unit value at beginning of period		$1.55		$1.33		$1.38		$1.14		$0.84		$1.37		$1.41		$1.24		$1.15		$1.00
Accumulation unit value at end of period		$2.16		$1.55		$1.33		$1.38		$1.14		$0.84		$1.37		$1.41		$1.24		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		1,577		1,506		1,679		2,099		2,510		3,184		4,773		5,725		3,700		1,477

PIMCO VIT All Asset Portfolio, Advisor Class (05/01/2006)
Accumulation unit value at beginning of period		$1.41		$1.25		$1.24		$1.11		$0.92		$1.11		$1.04		$1.00		—		—
Accumulation unit value at end of period		$1.40		$1.41		$1.25		$1.24		$1.11		$0.92		$1.11		$1.04		—		—
Number of accumulation units outstanding at end of period (000 omitted)		7,334		9,642		8,325		7,492		15,667		18,406		14,755		14,860		—		—

PIMCO VIT Global Multi-Asset Managed Allocation Portfolio, Advisor Class (04/30/2012)
Accumulation unit value at beginning of period		$1.03		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.94		$1.03		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		332		233		—		—		—		—		—		—		—		—

PIMCO VIT Total Return Portfolio, Advisor Class (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.96		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		264		—		—		—		—		—		—		—		—		—

Putnam VT Global Health Care Fund – Class IB Shares (02/13/2002)
Accumulation unit value at beginning of period		$1.35		$1.12		$1.15		$1.13		$0.91		$1.11		$1.13		$1.11		$1.00		$0.94
Accumulation unit value at end of period		$1.89		$1.35		$1.12		$1.15		$1.13		$0.91		$1.11		$1.13		$1.11		$1.00
Number of accumulation units outstanding at end of period (000 omitted)		412		433		508		683		936		1,192		1,630		2,416		2,388		1,649

Putnam VT International Equity Fund – Class IB Shares (02/13/2002)
Accumulation unit value at beginning of period		$1.37		$1.14		$1.39		$1.28		$1.04		$1.87		$1.75		$1.39		$1.25		$1.09
Accumulation unit value at end of period		$1.74		$1.37		$1.14		$1.39		$1.28		$1.04		$1.87		$1.75		$1.39		$1.25
Number of accumulation units outstanding at end of period (000 omitted)		366		444		703		801		1,046		1,497		2,184		2,660		3,019		2,995

Putnam VT Multi-Cap Growth Fund – Class IB Shares (09/24/2010)
Accumulation unit value at beginning of period		$1.22		$1.06		$1.13		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.65		$1.22		$1.06		$1.13		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		107		106		136		189		—		—		—		—		—		—

Van Eck VIP Global Gold Fund (Class S Shares) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.77		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		184		—		—		—		—		—		—		—		—		—

Variable Portfolio – Aggressive Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.20		$1.07		$1.12		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.44		$1.20		$1.07		$1.12		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		112,247		95,228		88,245		18,111		—		—		—		—		—		—

Variable Portfolio – Aggressive Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.21		$1.07		$1.12		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.44		$1.21		$1.07		$1.12		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		5,048		5,386		7,382		11,130		—		—		—		—		—		—

Variable Portfolio – AQR Managed Futures Strategy Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.03		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		184		—		—		—		—		—		—		—		—		—

Variable Portfolio – BlackRock Global Inflation-Protected Securities Fund (Class 3) (09/13/2004)
Accumulation unit value at beginning of period		$1.36		$1.30		$1.19		$1.16		$1.10		$1.11		$1.04		$1.04		$1.03		$1.00
Accumulation unit value at end of period		$1.27		$1.36		$1.30		$1.19		$1.16		$1.10		$1.11		$1.04		$1.04		$1.03
Number of accumulation units outstanding at end of period (000 omitted)		4,528		6,547		7,560		9,304		25,536		17,319		17,958		20,730		13,014		516

78 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 1.20% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Variable Portfolio – Conservative Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.13		$1.06		$1.04		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.15		$1.13		$1.06		$1.04		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		106,272		160,513		106,320		31,375		—		—		—		—		—		—

Variable Portfolio – Conservative Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.13		$1.06		$1.04		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.15		$1.13		$1.06		$1.04		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		11,689		18,739		19,708		20,762		—		—		—		—		—		—

Variable Portfolio – Goldman Sachs Commodity Strategy Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.92		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		86		—		—		—		—		—		—		—		—		—

Variable Portfolio – Moderate Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.18		$1.08		$1.09		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.30		$1.18		$1.08		$1.09		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		970,843		983,581		803,653		267,638		—		—		—		—		—		—

Variable Portfolio – Moderate Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.19		$1.08		$1.09		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.31		$1.19		$1.08		$1.09		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		63,550		66,495		76,905		95,000		—		—		—		—		—		—

Variable Portfolio – Moderately Aggressive Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.20		$1.08		$1.11		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.37		$1.20		$1.08		$1.11		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		448,743		416,636		380,432		98,233		—		—		—		—		—		—

Variable Portfolio – Moderately Aggressive Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.20		$1.08		$1.11		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.38		$1.20		$1.08		$1.11		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		17,092		20,325		28,510		43,525		—		—		—		—		—		—

Variable Portfolio – Moderately Conservative Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.15		$1.07		$1.07		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.22		$1.15		$1.07		$1.07		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		236,976		315,033		235,332		82,795		—		—		—		—		—		—

Variable Portfolio – Moderately Conservative Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.16		$1.08		$1.07		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.23		$1.16		$1.08		$1.07		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		23,130		30,768		33,844		38,588		—		—		—		—		—		—

Variable Portfolio – Partners Small Cap Value Fund (Class 3) (02/13/2002)
Accumulation unit value at beginning of period		$1.97		$1.76		$1.86		$1.52		$1.12		$1.66		$1.77		$1.49		$1.42		$1.20
Accumulation unit value at end of period		$2.63		$1.97		$1.76		$1.86		$1.52		$1.12		$1.66		$1.77		$1.49		$1.42
Number of accumulation units outstanding at end of period (000 omitted)		1,346		1,725		2,181		2,661		9,298		11,506		12,216		10,437		11,559		7,783

Variable Portfolio – Pyrford International Equity Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.05		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		36		—		—		—		—		—		—		—		—		—

Variable Portfolio – Sit Dividend Growth Fund (Class 3) (05/01/2006)
Accumulation unit value at beginning of period		$1.00		$0.92		$0.96		$0.87		$0.67		$1.11		$1.08		$1.00		—		—
Accumulation unit value at end of period		$1.27		$1.00		$0.92		$0.96		$0.87		$0.67		$1.11		$1.08		—		—
Number of accumulation units outstanding at end of period (000 omitted)		560		547		742		1,020		17,879		12,896		9,646		10,682		—		—

Variable Portfolio – Victory Established Value Fund (Class 3) (02/04/2004)
Accumulation unit value at beginning of period		$1.45		$1.25		$1.35		$1.12		$0.83		$1.33		$1.27		$1.11		$1.12		$1.00
Accumulation unit value at end of period		$1.94		$1.45		$1.25		$1.35		$1.12		$0.83		$1.33		$1.27		$1.11		$1.12
Number of accumulation units outstanding at end of period (000 omitted)		168		218		282		347		389		614		980		1,141		1,193		732

Wanger International (02/13/2002)
Accumulation unit value at beginning of period		$3.06		$2.55		$3.02		$2.45		$1.66		$3.08		$2.68		$1.98		$1.65		$1.28
Accumulation unit value at end of period		$3.70		$3.06		$2.55		$3.02		$2.45		$1.66		$3.08		$2.68		$1.98		$1.65
Number of accumulation units outstanding at end of period (000 omitted)		2,380		2,671		3,403		4,188		7,020		8,509		10,565		12,918		11,470		5,817

Wanger USA (02/13/2002)
Accumulation unit value at beginning of period		$1.98		$1.67		$1.75		$1.43		$1.02		$1.71		$1.64		$1.54		$1.40		$1.20
Accumulation unit value at end of period		$2.61		$1.98		$1.67		$1.75		$1.43		$1.02		$1.71		$1.64		$1.54		$1.40
Number of accumulation units outstanding at end of period (000 omitted)		3,704		4,290		5,535		7,116		11,266		14,444		19,504		23,503		23,080		15,408

RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS 79


Variable account charges of 1.20% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Wells Fargo Advantage VT Index Asset Allocation Fund – Class 2 (02/13/2002)
Accumulation unit value at beginning of period		$1.48		$1.32		$1.26		$1.12		$0.98		$1.40		$1.32		$1.19		$1.15		$1.06
Accumulation unit value at end of period		$1.74		$1.48		$1.32		$1.26		$1.12		$0.98		$1.40		$1.32		$1.19		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		445		523		603		776		1,012		1,711		1,996		2,159		2,480		2,738

Wells Fargo Advantage VT International Equity Fund – Class 2 (02/04/2004)
Accumulation unit value at beginning of period		$1.31		$1.17		$1.36		$1.18		$1.04		$1.80		$1.59		$1.31		$1.14		$1.00
Accumulation unit value at end of period		$1.55		$1.31		$1.17		$1.36		$1.18		$1.04		$1.80		$1.59		$1.31		$1.14
Number of accumulation units outstanding at end of period (000 omitted)		1,078		1,221		1,411		1,780		8,152		2,508		3,470		4,047		3,150		728

Wells Fargo Advantage VT Opportunity Fund – Class 2 (02/13/2002)
Accumulation unit value at beginning of period		$1.65		$1.45		$1.55		$1.27		$0.87		$1.47		$1.39		$1.25		$1.18		$1.01
Accumulation unit value at end of period		$2.13		$1.65		$1.45		$1.55		$1.27		$0.87		$1.47		$1.39		$1.25		$1.18
Number of accumulation units outstanding at end of period (000 omitted)		1,074		1,295		1,577		941		1,067		1,472		2,414		3,081		3,829		3,698

Wells Fargo Advantage VT Small Cap Growth Fund – Class 2 (02/13/2002)
Accumulation unit value at beginning of period		$1.65		$1.55		$1.65		$1.31		$0.87		$1.51		$1.34		$1.10		$1.05		$0.94
Accumulation unit value at end of period		$2.46		$1.65		$1.55		$1.65		$1.31		$0.87		$1.51		$1.34		$1.10		$1.05
Number of accumulation units outstanding at end of period (000 omitted)		1,040		1,006		1,106		1,331		1,388		1,360		1,799		1,527		1,557		1,643

Western Asset Variable Global High Yield Bond Portfolio – Class II (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.01		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		47		—		—		—		—		—		—		—		—		—

80 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE / RETIREMENT ADVISOR SELECT VARIABLE ANNUITY — PROSPECTUS

Prospectus

May 1, 2014

RiverSource

Retirement Advisor Advantage Plus^® Variable Annuity

RiverSource

Retirement Advisor Select Plus^® Variable Annuity

INDIVIDUAL FLEXIBLE PREMIUM DEFERRED COMBINATION FIXED/VARIABLE ANNUITIES

New RiverSource Retirement Advisor Advantage Plus and RiverSource Retirement Advisor Select Plus contracts are not currently being offered.


Issued by:	RiverSource Life Insurance Company (RiverSource Life)

70100 Ameriprise Financial Center

Minneapolis, MN 55474

Telephone: 1-800-862-7919

(Corporate Office)

ameriprise.com/variableannuities

RiverSource Variable Account 10/RiverSource Account MGA

This prospectus contains information that you should know before investing in the RiverSource Retirement Advisor Advantage Plus Variable Annuity (RAVA Advantage Plus), or the RiverSource Retirement Advisor Select Plus Variable Annuity (RAVA Select Plus). The information in this prospectus applies to both contracts unless stated otherwise.

Prospectuses are also available for:

Alliance Bernstein Variable Products Series Fund, Inc.

ALPS Variable Investment Trust

American Century Variable Portfolios, Inc.

BlackRock Variable Series, Inc.

Calvert Variable Series, Inc.

Columbia Funds Variable Insurance Trust

Columbia Funds Variable Series Trust II

Credit Suisse Trust

DWS Variable Series II

Eaton Vance Variable Trust

Fidelity^® Variable Insurance Products – Service Class 2

Franklin^® Templeton^® Variable Insurance Products Trust (FTVIPT) – Class 2

Goldman Sachs Variable Insurance Trust (VIT)

Invesco Variable Insurance Funds

Ivy Funds Variable Insurance Portfolios

Janus Aspen Series: Service Shares

Lazard Retirement Series, Inc.

Legg Mason Partners Variable Equity Trust

MFS^® Variable Insurance Trust^sm

Morgan Stanley Universal Institutional Funds (UIF)

Neuberger Berman Advisers Management Trust

Oppenheimer Variable Account Funds – Service Shares

PIMCO Variable Insurance Trust (VIT)

Putnam Variable Trust – Class IB Shares

Van Eck VIP Trust

Wanger Advisors Trust

Wells Fargo Variable Trust

Please read the prospectuses carefully and keep them for future reference.

The contracts provide for purchase payment credits which we may reverse under certain circumstances. Expenses may be higher and surrender charges may be higher and longer for contracts with purchase payment credits than for contracts without such credits. The amount of the credit may be more than offset by additional charges associated with the credit.


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 1

Variable annuities are insurance products that are complex investment vehicles. Be sure to ask your financial advisor about the contract features, benefits, risks and fees, and whether the contract is appropriate for you, based upon your financial situation and objectives.

This prospectus provides a general description of the contracts. Your actual contract and any riders or endorsements are the controlling documents.

Table of Contents


Key Terms		3
The Contract in Brief		6
Expense Summary		8
Condensed Financial Information		18
Financial Statements		18
The Variable Account and the Funds		18
Guarantee Period Accounts (GPAs)		32
The Fixed Account		34
The Special DCA Account		34
Buying Your Contract		34
Charges		38
Valuing Your Investment		45
Making the Most of Your Contract		47
Surrenders		57
TSA — Special Provisions		58
Changing Ownership		59
Benefits in Case of Death — Standard Death Benefit		59
Optional Benefits		61
The Annuity Payout Period		74
Taxes		76
Voting Rights		80
Substitution of Investments		80
About the Service Providers		81
Additional Information		82
Appendix A: Example — Market Value Adjustment (MVA)		84
Appendix B: Example — Surrender Charges		86
Appendix C: Example — Optional Benefits		90
Appendix D: Example — Withdrawal Benefit Riders: Electing Step Up or Spousal Continuation Step Up		95
Appendix E: Condensed Financial Information (Unaudited)		96
Table of Contents of the Statement of Additional Information		111

2 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS

Key Terms

These terms can help you understand details about your contract.

Accumulation unit: A measure of the value of each subaccount before annuity payouts begin.

Annuitant: The person or persons on whose life or life expectancy the annuity payouts are based.

Annuity payouts: An amount paid at regular intervals under one of several plans.

Band 3 annuities: RAVA Advantage Plus and RAVA Select Plus contracts that are available for:


•	current or retired employees of Ameriprise Financial, Inc. or its subsidiaries and their spouses (employees),

•	current or retired Ameriprise financial advisors and their spouses (advisors), or

•	individuals investing an initial purchase payment of $1 million or more, with our approval (other individuals).

Beneficiary: The person you designate to receive benefits in case of your death while the contract is in force.

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.

Contract value: The total value of your contract before we deduct any applicable charges.

Contract year: A period of 12 months, starting on the effective date of your contract and on each anniversary of the effective date.

Fixed account: An account to which you may allocate purchase payments. Amounts you allocate to this account earn interest at rates that we declare periodically.

Guarantee Period: The number of successive 12-month periods that a guaranteed interest rate is credited.

Guarantee Period Accounts (GPAs): A nonunitized separate account to which you may allocate purchase payments and purchase payment credits or transfer contract value of at least $1,000. These accounts have guaranteed interest rates for guarantee periods we declare when you allocate purchase payments and purchase payment credits or transfer contract value to a GPA. These guaranteed rates and periods of time may vary by state. Unless an exception applies, transfers or surrenders from a GPA done more than 30 days before the end of the guarantee period will receive a Market Value Adjustment, which may result in a gain or loss of principal.

Guaranteed Minimum Accumulation Benefit Rider (Accumulation Benefit): This is an optional benefit that you can add to your contract for an additional charge. It is intended to provide you with a guaranteed contract value at the end of a specified waiting period regardless of the volatility inherent in the investments in the subaccounts. Investment allocation restrictions apply.


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 3

Guaranteed Minimum Withdrawal Benefit Rider (Withdrawal Benefit): This is an optional benefit you can add to your contract for an additional charge. It is intended to provide a guaranteed withdrawal benefit that gives you the right to make limited partial withdrawals each contract year. Investment allocation restrictions apply. For purposes of this rider, the term “withdrawal” is equal to the term “surrender” in your contract and any other riders.

Market Value Adjustment (MVA): A positive or negative adjustment assessed if any portion of a Guarantee Period Account is surrendered or transferred more than 30 days before the end of its guarantee period.

Maximum Anniversary Value Death Benefit (MAV) and Maximum Five-Year Anniversary Value Death Benefit (5-Year MAV): These are optional benefits you can add to your contract for an additional charge. Each is intended to provide additional death benefit protection in the event of fluctuating fund values. You can elect to purchase either the MAV or the 5-Year MAV, subject to certain restrictions.

Owner (you, your): A natural person or persons identified in the contract as owner(s) of the contract, (including a revocable trust) who has or have the right to control the contract (to decide on investment allocations, transfers, payout options, etc.). Usually, but not always, the owner is also the annuitant. During the owner’s life, the owner is responsible for taxes, regardless of whether he or she receives the contract’s benefits. If the contract has a nonnatural person as the owner, “you, your” means the annuitant. When the contract is owned by a revocable trust, the annuitant selected should be the grantor of the trust to assure compliance with Section 72(s) of the Code.

Portfolio Navigator Program (PN program): This is a program in which you were required to participate through the choice of a PN program investment option if you selected the optional Accumulation Benefit rider or the optional Withdrawal Benefit rider.

Purchase payment credits: An addition we make to your contract value. We base the amount of the credit on the surrender charge schedule you elect and/or total purchase payments.

Qualified annuity: A contract that you purchase to fund one of the following tax-deferred retirement plans that is subject to applicable federal law and any rules of the plan itself:


•	Individual Retirement Annuities (IRAs) including inherited IRAs under Section 408(b) of the Code

•	Roth IRAs including inherited Roth IRAs under Section 408A of the Code

•	SIMPLE IRAs under Section 408(p) of the Code

•	Simplified Employee Pension IRA (SEP) plans under Section 408(k) of the Code

•	Plans under Section 401(k) of the Code

•	Custodial and investment only accounts maintained for qualified retirement plans under Section 401(a) of the Code

•	Tax-Sheltered Annuities (TSAs) under Section 403(b) of the Code

A qualified annuity will not provide any necessary or additional tax deferral if it is used to fund a retirement plan that is already tax-deferred.

All other contracts are considered nonqualified annuities.

Return of Purchase Payments Death Benefit (ROPP): This is an optional benefit that you can add to your contract for an additional charge if you are age 76 or older at contract issue that is intended to provide additional death benefit protection in the event of fluctuating fund values. ROPP is included in the standard death benefit for contract owners age 75 and under on the contract effective date at no additional cost.

Rider: You receive a rider to your contract when you purchase the EEB, EEP, MAV, 5-Year MAV, ROPP, Accumulation Benefit and/or Withdrawal Benefit rider. The rider adds the terms of the optional benefit to your contract.

Rider effective date: The date a rider becomes effective as stated in the rider.

RiverSource Life: In this prospectus, “we,” “us,” “our” and “RiverSource Life” refer to RiverSource Life Insurance Company.

Settlement date: The date when annuity payouts are scheduled to begin.

Special Dollar-Cost Averaging (Special DCA) account: An account to which you may allocate new purchase payments of at least $10,000. Amounts you allocate to this account earn interest at rates that we declare periodically and will transfer into your specified subaccount allocations in six monthly transfers. The Special DCA account may not be available at all times.

Surrender value: The amount you are entitled to receive if you make a full surrender from your contract. It is the contract value minus any applicable charges.

4 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS

The Contract in Brief

This prospectus describes two contracts. RAVA Advantage Plus offers a choice of a seven-year or a ten-year surrender charge schedule and relatively lower expenses. RAVA Select Plus offers a three-year surrender charge schedule and relatively higher expenses. The information in this prospectus applies to both contracts unless stated otherwise.

Purpose: The purpose of each contract is to allow you to accumulate money for retirement or similar long-term goal. You do this by making one or more purchase payments. You may allocate your purchase payments to the GPAs, fixed account, subaccounts and/or Special DCA account (when available) under the contract. These accounts, in turn, may earn returns that increase the value of the contract; however, you risk losing amounts you invest in the subaccounts of the variable account. If the contract value goes to zero due to underlying fund’s performance or deduction of fees, the contract will no longer be in force and the contract (including any death benefit riders) will terminate. Beginning at a specified time in the future called the settlement date, the contract provides lifetime or other forms of payouts of your contract value (less any applicable premium tax).

Accounts: Generally, you may allocate your purchase payments among any or all of:


•	the subaccounts of the variable accounts, each of which invests in a fund with a particular investment objective. The value of each subaccount varies with the performance of the particular fund in which it invests. We cannot guarantee that the value at the settlement date will equal or exceed the total purchase payments you allocate to the subaccounts. (see “The Variable Account and the Funds”)

•	the GPAs which earn interest at rates declared when you make an allocation to that account. The required minimum investment in each GPA is $1,000. These accounts may not be available in all states. (see “Guarantee Period Accounts (GPAs)”)

•	the fixed account, which earns interest at a rate that we adjust periodically. Purchase payment allocations to the fixed account may be subject to special restrictions. (see “The Fixed Account”)

•	the Special DCA account, when available. (see “The Fixed Account — The Special DCA Fixed Account”)

Buying your contract: We no longer offer new contracts. However, you have the option of making additional purchase payments in the future. (see “Buying Your Contract”)

Transfers: Subject to certain restrictions, you currently may redistribute your contract value among the subaccounts until annuity payouts begin, and once per contract year after annuity payouts begin. Transfers out of the GPAs done more than 30 days before the end of the Guarantee Period will be subject to an MVA, unless an exception applies. You may establish automated transfers among the accounts. You may not transfer existing amounts to the Special DCA account. GPAs and fixed account transfers are subject to special restrictions. (see “Making the Most of Your Contract — Transferring Among Accounts”)

Benefits in case of death: If you die before annuity payouts begin, we will pay the beneficiary an amount at least equal to the contract value, except in the case of a purchase payment credit reversal. (see “Benefits in Case of Death — Standard Death Benefit”)

Optional benefits: These contracts offer optional living and death benefits that are available for additional charges if you meet certain criteria. Optional living benefits require investment in approved investment options, which may limit transfers and allocations; may limit the timing, amount and allocation of purchase payments; and may limit the amount of partial surrenders that can be taken under the optional benefit during a contract year. (see “Optional Benefits”)

6 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS

Expense Summary

The following tables describe the fees and expenses that you will pay when buying, owning and surrendering the contract. The first table describes the fees and expenses that you paid at the time that you bought the contract or surrender the contract. State premium taxes also may be deducted.

CONTRACT OWNER TRANSACTION EXPENSES

Surrender charge for RAVA Advantage Plus

(Contingent deferred sales load as a percentage of purchase payment surrendered)

You select either a seven-year or ten-year surrender charge schedule at the time of application.^*


Seven-year schedule						Ten-year schedule*
Number of completed						Number of completed
years from date of each			Surrender charge			years from date of each			Surrender charge
purchase payment**			percentage			purchase payment**			percentage

	0			7	%		0			8	%

	1			7			1			8

	2			7			2			8

	3			6			3			7

	4			5			4			7

	5			4			5			6

	6			2			6			5

	7	+		0			7			4

							8			3

							9			2

							10	+		0


*		The ten-year surrender charge schedule is not available for contracts issued in Oregon. In Connecticut and Utah, the ten-year surrender charge schedule is 8% for years 0-2, 7% for year 3 and declining by 1% each year thereafter until it is 0% for years 10+. For contracts issued in Alabama, Massachusetts, Oregon and Washington, surrender charges are waived after the tenth contract anniversary for all payments regardless of when payments are made.


**		According to our current administrative practice, for the purpose of surrender charge calculation, we consider that the year is completed fourteen days prior to the anniversary of the day each purchase payment was received.

Surrender charge for RAVA Select Plus (except Texas)

(Contingent deferred sales load as a percentage of purchase payment surrendered)


Years from contract date***	Surrender charge percentage

1		7	%

2		7

3		7

Thereafter		0

Surrender charge for RAVA Select Plus in Texas

(Contingent deferred sales load)


	Surrender charge percentage
	(as a percentage of purchase payments surrendered)
	in contract year
Payments made in contract year***	1	2	3	Thereafter

1	8%	7%	6%	0%

2		8	7	0

3			8	0

Thereafter				0


***		According to our current administrative practice, for the purpose of surrender charge calculation, we consider that the year is completed one day prior to the contract anniversary.

Surrender charge under Annuity Payout Plan E — Payouts for a specified period: Under this annuity payout plan, you can choose to take a surrender. The amount that you can surrender is the present value of any remaining variable payouts. The discount rate we use in the calculation will be 5.17% if the assumed investment rate is 3.5% and 6.67% if the assumed investment rate is 5%. The surrender charge equals the present value of the remaining payouts using the assumed investment

8 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS

rate minus the present value of the remaining payouts using the discount rate. (See “Charges — Surrender Charge” and “The Annuity Payout Period — Annuity Payout Plans.”)

The next tables describe the fees and expenses that you will pay periodically during the time that you own the contract, not including fund fees and expenses.

ANNUAL CONTRACT ADMINISTRATIVE CHARGE



		Maximum: $50*		Current: $30

(We will waive $30 of this charge when your contract value, or total purchase payments less any payments surrendered, is $50,000 or more on the current contract anniversary, except at full surrender.)


*		In certain states and for certain contracts we have waived our right to increase the contract administrative charge.

OPTIONAL RIDER FEES

Optional Death Benefits

(As a percentage of contract value charged annually at the contract anniversary. The fee applies only if you elect the optional rider.)



ROPP rider fee	Maximum: 0.30%	Current: 0.20%

MAV rider fee	Maximum: 0.35%	Current: 0.25%

5-Year MAV rider fee	Maximum: 0.20%	Current: 0.10%

EEB rider fee	Maximum: 0.40%	Current: 0.30%

EEP rider fee	Maximum: 0.50%	Current: 0.40%

PN rider fee⁽¹⁾	Maximum: 0.00%	Current: 0.00%


⁽¹⁾		Effective May 10, 2010, the PN rider is not required to select funds of funds in the PN program and this fee does not apply. Prior to May 10, 2010, the PN rider fee was 0.10% and the maximum fee was 0.20%

Optional Living Benefits



Accumulation Benefit rider fee	Maximum: 2.50%	Initial: 0.60%

(Charged annually as a percentage of contract value or the minimum contract accumulation value, whichever is greater. The fee applies only if you elect the optional rider.)

Current rider fees for elective step up or elective spousal continuation step up are shown in the table below.


	Current annual rider fee for elective step ups			Current annual rider fee for elective step ups
Current annual rider fee	on or after 10/20/12 if invested			on or after 11/18/13 if invested
for elective step ups	in a Portfolio Navigator fund			in a Portfolio Stabilizer fund
before 10/20/12	at the time of step up			at the time of step up


0.60%		1.75	%		1.30	%



Withdrawal Benefit rider fee	Maximum: 2.50%	Initial: 0.60%⁽²⁾

(As a percentage of contract value charged annually at the contract anniversary. The fee applies only if you elect the optional rider.)


⁽²⁾		Effective Dec. 18, 2013 if you request an elective step up or the elective spousal continuation step up, or move to a Portfolio Navigator fund that is more aggressive than the Portfolio Navigator fund you are currently allocated to, the fee that will apply to your rider will correspond to the fund you are currently invested in as shown in the table below.


	Current rider fee
Fund name	as of 12/18/13


Portfolio Stabilizer funds		0.60	%

Portfolio Navigator funds:

Variable Portfolio – Conservative Portfolio (Class 2), (Class 4)		0.60	%

Variable Portfolio – Moderately Conservative Portfolio (Class 2), (Class 4)		0.60	%

Variable Portfolio – Moderate Portfolio (Class 2), (Class 4)		0.60	%

Variable Portfolio – Moderately Aggressive Portfolio (Class 2), (Class 4)		0.90	%

Variable Portfolio – Aggressive Portfolio (Class 2), (Class 4)		1.05	%


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 9

ANNUAL OPERATING EXPENSES OF THE FUNDS

The next two tables describe the operating expenses of the funds that you may pay periodically during the time that you own the contract. These operating expenses are for the fiscal year ended Dec. 31, 2013, unless otherwise noted. The first table shows the minimum and maximum total operating expenses charged by the funds. The second table shows the fees and expenses charged by each fund. More detail concerning each fund’s fees and expenses is contained in each fund’s prospectus.

Minimum and maximum total annual operating expenses for the funds^(a)

(Including management fee, distribution and/or service (12b-1) fees and other expenses)


	Minimum			Maximum


Total expenses before fee waivers and/or expense reimbursements		0.44	%		4.82	%


^(a)		Each fund deducts management fees and other expenses from fund assets. Fund assets include amounts you allocate to a particular fund. Funds may also charge 12b-1 fees that are used to finance any activity that is primarily intended to result in the sale of fund shares. Because 12b-1 fees are paid out of fund assets on an on-going basis, you may pay more if you select subaccounts investing in funds that have adopted 12b-1 plans than if you select subaccounts investing in funds that have not adopted 12b-1 plans. The fund or the fund’s affiliates may pay us or our affiliates for promoting and supporting the offer, sale and servicing of fund shares. In addition, the fund’s distributor and/or investment adviser, transfer agent or their affiliates may pay us or our affiliates for various services we or our affiliates provide. 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.

Total annual operating expenses for each fund underlying RAVA Advantage Plus and RAVA Select Plus*

(Before fee waivers and/or expense reimbursements, if applicable, as a percentage of average daily net assets)


				Distribution						Acquired fund			Total annual
	Management			and/or Service			Other			fees and			operating
Fund name**	fees			12b-1 fees			expenses			expenses***			expenses


AllianceBernstein VPS Dynamic Asset Allocation Portfolio (Class B)		0.70	%		0.25	%		0.19	%		—	%		1.14	%⁽¹⁾


AllianceBernstein VPS Global Thematic Growth Portfolio (Class B)		0.75			0.25			0.23			—			1.23


AllianceBernstein VPS Growth and Income Portfolio (Class B)		0.55			0.25			0.05			—			0.85


AllianceBernstein VPS International Value Portfolio (Class B)		0.75			0.25			0.07			—			1.07


ALPS/Alerian Energy Infrastructure Portfolio: Class III		0.70			0.25			1.27			—			2.22	⁽²⁾


American Century VP International, Class II		1.26			0.25			0.01			—			1.52


American Century VP Mid Cap Value, Class II		0.90			0.25			0.01			—			1.16


American Century VP Ultra^®, Class II		0.90			0.25			0.01			—			1.16


American Century VP Value, Class II		0.87			0.25			—			—			1.12


BlackRock Global Allocation V.I. Fund (Class III)		0.62			0.25			0.24			—			1.11	⁽³⁾


Calvert VP SRI Balanced Portfolio		0.69			—			0.21			—			0.90


ClearBridge Variable Small Cap Growth Portfolio – Class I		0.75			—			0.08			—			0.83


Columbia Variable Portfolio – Balanced Fund (Class 3)		0.64			0.13			0.16			—			0.93


Columbia Variable Portfolio – Cash Management Fund (Class 3)		0.33			0.13			0.15			—			0.61


Columbia Variable Portfolio – Commodity Strategy Fund (Class 2)		0.55			0.25			0.30			—			1.10


Columbia Variable Portfolio – Contrarian Core Fund (Class 2)		0.68			0.25			0.13			—			1.06


Columbia Variable Portfolio – Core Bond Fund (Class 2)		0.43			0.25			0.14			—			0.82


Columbia Variable Portfolio – Diversified Bond Fund (Class 3)		0.41			0.13			0.14			—			0.68


Columbia Variable Portfolio – Dividend Opportunity Fund (Class 3)		0.56			0.13			0.14			—			0.83


Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2)		0.53			0.25			0.16			—			0.94


Columbia Variable Portfolio – Emerging Markets Fund (Class 3)		1.07			0.13			0.23			—			1.43


Columbia Variable Portfolio – Global Bond Fund (Class 3)		0.56			0.13			0.17			—			0.86


Columbia Variable Portfolio – High Yield Bond Fund (Class 3)		0.58			0.13			0.18			—			0.89


Columbia Variable Portfolio – Income Opportunities Fund (Class 2)		0.57			0.25			0.15			—			0.97


Columbia Variable Portfolio – Income Opportunities Fund (Class 3)		0.57			0.13			0.15			—			0.85


Columbia Variable Portfolio – International Opportunity Fund (Class 3)		0.79			0.13			0.21			—			1.13


Columbia Variable Portfolio – Large Cap Growth Fund (Class 3)		0.68			0.13			0.13			—			0.94


Columbia Variable Portfolio – Large Core Quantitative Fund (Class 3)		0.64			0.13			0.15			—			0.92


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 11

Total annual operating expenses for each fund underlying RAVA Advantage Plus and RAVA Select Plus* (continued)

(Before fee waivers and/or expense reimbursements, if applicable, as a percentage of average daily net assets)


				Distribution						Acquired fund			Total annual
	Management			and/or Service			Other			fees and			operating
Fund name**	fees			12b-1 fees			expenses			expenses***			expenses


Columbia Variable Portfolio – Limited Duration Credit Fund (Class 2)		0.46	%		0.25	%		0.13	%		—	%		0.84	%


Columbia Variable Portfolio – Managed Volatility Conservative Fund (Class 2)		0.20			0.25			0.46			0.47			1.38	⁽⁴⁾


Columbia Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2)		0.20			0.25			0.20			0.52			1.17	⁽⁴⁾


Columbia Variable Portfolio – Managed Volatility Growth Fund (Class 2)		0.20			0.25			0.08			0.60			1.13	⁽⁴⁾


Columbia Variable Portfolio – Managed Volatility Moderate Growth Fund (Class 2)		0.19			0.25			0.06			0.54			1.04


Columbia Variable Portfolio – Marsico Growth Fund (Class 1)		0.71			—			0.17			—			0.88	^(5),(6)


Columbia Variable Portfolio – Marsico International Opportunities Fund (Class 2)		0.79			0.25			0.25			—			1.29	^(5),(6)


Columbia Variable Portfolio – Mid Cap Growth Opportunity Fund (Class 3)		0.76			0.13			0.14			—			1.03


Columbia Variable Portfolio – Mid Cap Value Opportunity Fund (Class 3)		0.74			0.13			0.14			—			1.01


Columbia Variable Portfolio – Multi-Strategy Alternatives Fund (Class 2)**		1.02			0.25			0.23			—			1.50


Columbia Variable Portfolio – S&P 500 Index Fund (Class 3)		0.10			0.13			0.21			—			0.44


Columbia Variable Portfolio – Select Large-Cap Value Fund (Class 3)		0.70			0.13			0.13			—			0.96


Columbia Variable Portfolio – Select Smaller-Cap Value Fund (Class 3)		0.79			0.13			0.20			—			1.12


Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 3)		0.36			0.13			0.13			—			0.62


Credit Suisse Trust – Commodity Return Strategy Portfolio		0.50			0.25			0.58			—			1.33	⁽⁷⁾


DWS Alternative Asset Allocation VIP, Class B		0.36			0.25			0.32			1.23			2.16	⁽⁸⁾


Eaton Vance VT Floating-Rate Income Fund		0.58			0.50			0.08			—			1.16


Fidelity^® VIP Contrafund^® Portfolio Service Class 2		0.55			0.25			0.09			—			0.89


Fidelity^® VIP Growth & Income Portfolio Service Class 2		0.45			0.25			0.13			—			0.83


Fidelity^® VIP Mid Cap Portfolio Service Class 2		0.55			0.25			0.09			—			0.89


Fidelity^® VIP Overseas Portfolio Service Class 2		0.70			0.25			0.14			—			1.09


Fidelity^® VIP Strategic Income Portfolio Service Class 2		0.56			0.25			0.12			—			0.93


FTVIPT Franklin Global Real Estate VIP Fund – Class 2**		1.05			0.25			0.05			—			1.35	⁽⁹⁾


FTVIPT Franklin Income VIP Fund – Class 2**		0.45			0.25			0.02			—			0.72


FTVIPT Franklin Mutual Shares VIP Fund – Class 2**		0.60			0.25			0.11			—			0.96


FTVIPT Franklin Small Cap Value VIP Fund – Class 2**		0.50			0.25			0.13			—			0.88


FTVIPT Templeton Global Bond VIP Fund – Class 2**		0.46			0.25			0.05			—			0.76


Goldman Sachs VIT Mid Cap Value Fund – Institutional Shares		0.80			—			0.06			—			0.86	⁽¹⁰⁾


Goldman Sachs VIT Multi-Strategy Alternatives Portfolio – Advisor Shares		0.15			0.40			1.39			0.90			2.84	⁽¹¹⁾


Goldman Sachs VIT U.S. Equity Insights Fund – Institutional Shares**		0.62			—			0.09			—			0.71	⁽¹²⁾


Invesco V.I. American Franchise Fund, Series II Shares		0.67			0.25			0.29			—			1.21


Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares		0.90			0.25			0.21			0.11			1.47	⁽¹³⁾


Invesco V.I. Comstock Fund, Series II Shares		0.56			0.25			0.28			—			1.09	⁽¹⁴⁾


Invesco V.I. Diversified Dividend Fund, Series I Shares		0.50			—			0.22			0.01			0.73	⁽¹⁵⁾


Invesco V.I. Global Health Care Fund, Series II Shares		0.75			0.25			0.35			0.01			1.36	⁽¹⁶⁾


Invesco V.I. International Growth Fund, Series II Shares		0.71			0.25			0.31			0.01			1.28	⁽¹⁶⁾


Invesco V.I. Mid Cap Growth Fund, Series II Shares		0.75			0.25			0.33			—			1.33


Invesco V.I. Technology Fund, Series I Shares		0.75			—			0.42			—			1.17


Ivy Funds VIP Asset Strategy		0.68			0.25			0.05			—			0.98	⁽¹⁷⁾


Janus Aspen Series Flexible Bond Portfolio: Service Shares		0.51			0.25			0.05			—			0.81


Janus Aspen Series Global Allocation Portfolio – Moderate: Service Shares		0.05			0.25			2.12			0.81			3.23	⁽¹⁸⁾


Janus Aspen Series Janus Portfolio: Service Shares		0.49			0.25			0.05			—			0.79


Lazard Retirement Global Dynamic Multi Asset Portfolio – Service Shares**		0.85			0.25			0.60			—			1.70	⁽¹⁹⁾

12 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS

Total annual operating expenses for each fund underlying RAVA Advantage Plus and RAVA Select Plus* (continued)

(Before fee waivers and/or expense reimbursements, if applicable, as a percentage of average daily net assets)


				Distribution						Acquired fund			Total annual
	Management			and/or Service			Other			fees and			operating
Fund name**	fees			12b-1 fees			expenses			expenses***			expenses


MFS^® Investors Growth Stock Series – Service Class		0.75	%		0.25	%		0.07	%		—	%		1.07	%


MFS^® New Discovery Series – Service Class		0.90			0.25			0.06			—			1.21


MFS^® Utilities Series – Service Class		0.73			0.25			0.07			—			1.05


Morgan Stanley UIF Global Real Estate Portfolio, Class II Shares		0.85			0.35			0.49			—			1.69	⁽²⁰⁾


Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares		0.75			0.35			0.34			—			1.44	⁽²⁰⁾


Neuberger Berman Advisers Management Trust Absolute Return Multi-Manager Portfolio (Class S)		2.00			0.25			1.74			0.04			4.03	⁽²¹⁾


Neuberger Berman Advisers Management Trust International Equity Portfolio (Class S)		1.15			0.25			1.09			—			2.49	⁽²²⁾


Oppenheimer Global Fund/VA, Service Shares		0.63			0.25			0.14			—			1.02


Oppenheimer Global Strategic Income Fund/VA, Service Shares		0.57			0.25			0.17			—			0.99	⁽²³⁾


Oppenheimer Main Street Small Cap Fund^®/VA, Service Shares		0.68			0.25			0.13			—			1.06	⁽²⁴⁾


PIMCO VIT All Asset Portfolio, Advisor Class		0.43			0.25			—			0.76			1.44	⁽²⁵⁾


PIMCO VIT Global Multi-Asset Managed Allocation Portfolio, Advisor Class**		0.95			0.25			0.01			0.52			1.73	⁽²⁶⁾


PIMCO VIT Total Return Portfolio, Advisor Class		0.50			0.25			—			—			0.75


Putnam VT Global Health Care Fund – Class IB Shares		0.63			0.25			0.19			—			1.07


Putnam VT International Equity Fund – Class IB Shares		0.70			0.25			0.19			—			1.14


Putnam VT Multi-Cap Growth Fund – Class IB Shares		0.56			0.25			0.16			—			0.97


Van Eck VIP Global Gold Fund (Class S Shares)		0.75			0.25			3.82			—			4.82	⁽²⁷⁾


Variable Portfolio – Aggressive Portfolio (Class 2)		—			0.25			0.03			0.80			1.08


Variable Portfolio – Aggressive Portfolio (Class 4)		—			0.25			0.03			0.80			1.08


Variable Portfolio – AQR Managed Futures Strategy Fund (Class 2)		1.02			0.25			0.17			—			1.44


Variable Portfolio – BlackRock Global Inflation-Protected Securities Fund (Class 3)		0.42			0.13			0.14			—			0.69


Variable Portfolio – Conservative Portfolio (Class 2)		—			0.25			0.03			0.60			0.88


Variable Portfolio – Conservative Portfolio (Class 4)		—			0.25			0.03			0.60			0.88


Variable Portfolio – Goldman Sachs Commodity Strategy Fund (Class 2)		0.55			0.25			0.16			—			0.96


Variable Portfolio – Moderate Portfolio (Class 2)		—			0.25			0.02			0.72			0.99


Variable Portfolio – Moderate Portfolio (Class 4)		—			0.25			0.02			0.72			0.99


Variable Portfolio – Moderately Aggressive Portfolio (Class 2)		—			0.25			0.02			0.76			1.03


Variable Portfolio – Moderately Aggressive Portfolio (Class 4)		—			0.25			0.02			0.76			1.03


Variable Portfolio – Moderately Conservative Portfolio (Class 2)		—			0.25			0.02			0.67			0.94


Variable Portfolio – Moderately Conservative Portfolio (Class 4)		—			0.25			0.02			0.67			0.94


Variable Portfolio – Partners Small Cap Value Fund (Class 3)		0.91			0.13			0.14			0.01			1.19


Variable Portfolio – Pyrford International Equity Fund (Class 2)		0.77			0.25			0.18			—			1.20


Variable Portfolio – Sit Dividend Growth Fund (Class 3)		0.71			0.13			0.13			0.05			1.02


Variable Portfolio – Victory Established Value Fund (Class 3)		0.77			0.13			0.12			—			1.02


Variable Portfolio – Wells Fargo Short Duration Government Fund (Class 2)		0.46			0.25			0.13			—			0.84


Wanger International		0.90			—			0.17			—			1.07


Wanger USA		0.86			—			0.10			—			0.96


Wells Fargo Advantage VT International Equity Fund – Class 2		0.75			0.25			0.20			0.01			1.21	⁽²⁸⁾


Wells Fargo Advantage VT Opportunity Fund – Class 2		0.65			0.25			0.19			0.01			1.10	⁽²⁸⁾


Wells Fargo Advantage VT Small Cap Growth Fund – Class 2		0.75			0.25			0.18			—			1.18


Western Asset Variable Global High Yield Bond Portfolio – Class II		0.70			0.25			0.13			—			1.08


*		The Funds provided the information on their expenses and we have not independently verified the information.


**		The previous fund names can be found in “The Variable Account and the Funds” section of the prospectus.


***		Includes fees and expenses incurred indirectly by the Fund as a result of its investment in other investment companies (also referred to as acquired funds).


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 13


⁽¹⁾		After a voluntary expense waiver and reimbursement, net expenses would be 1.10%.


⁽²⁾		ALPS Advisors, Inc. (the “Adviser”) has contractually agreed to waive its management fee and/or reimburse expenses so that total annual fund operating expenses after fee waiver/expense reimbursements (not including Distribution and/or Service (12b-1) Fees, Shareholder Service Fees, acquired fund fees and expenses, taxes, brokerage commissions and extraordinary expenses) do not exceed a maximum of 0.80% of Class III shares average daily net assets through April 29, 2015. This agreement may only be terminated during the period by the Board of Trustees of ALPS Variable Investment Trust. After fee waivers and/or reimbursements, net expenses would be 1.30%.


⁽³⁾		BlackRock has contractually agreed to waive and/or reimburse fees or expenses in order to limit total annual fund operating expenses after fee waivers and/or expense reimbursements (excluding dividend expense, interest expense, acquired fund fees and expenses and certain other Fund expenses) to 1.50% of average daily net assets until May 1, 2015. BlackRock has also contractually agreed to reimburse fees in order to limit certain operational and recordkeeping fees to 0.07% of average daily net assets until May 1, 2015. Each of these contractual agreements may be terminated upon 90 days’ notice by a majority of the non-interested directors of the Fund or by a vote of a majority of the outstanding voting securities of the Fund. In addition, the Manager may waive a portion of the Fund’s management fee in connection with the Fund’s investment in an affiliated money market fund. After fee waivers and/or reimbursements, net expenses would be 0.97%.


⁽⁴⁾		Columbia Management Investment Advisers, LLC and certain of its affiliates have contractually agreed to waive and/or to reimburse expenses (excluding transaction costs and certain other investment related expenses, interest, taxes and extraordinary expenses) until April 30, 2015, unless sooner terminated at the sole discretion of the Fund’s Board of Trustees. Under this agreement, the Fund’s net operating expenses, subject to applicable exclusions, will not exceed the annual rate of 1.10% for Columbia Variable Portfolio – Managed Volatility Conservative Fund (Class 2), 1.10% for Columbia Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2) and 1.10% for Columbia Variable Portfolio – Managed Volatility Growth Fund (Class 2).


⁽⁵⁾		Management fees have been restated to reflect contractual changes to the investment management fee rates.


⁽⁶⁾		Other expenses have been restated to reflect contractual changes to certain fees paid by the Fund.


⁽⁷⁾		Credit Suisse Trust (the Trust) and Credit Suisse Asset Management, LLC (Credit Suisse) have entered into a written contract limiting operating expenses (excluding certain expenses as described below) to 1.05% of the portfolio’s average daily net assets at least through November 15, 2015. The Trust is authorized to reimburse Credit Suisse for management fees previously limited and/or for expenses previously paid by Credit Suisse, provided, however, that any reimbursements must be paid at a date not more than three years after the end of the fiscal year during which such fees were limited or expenses were paid by Credit Suisse and the reimbursements do not cause the portfolio to exceed the expense limitation in the contract at the time the fees were limited or expenses were paid. This contract may not be terminated before November 15, 2015.


⁽⁸⁾		Through April 30, 2015, the Advisor has contractually agreed to waive all or a portion of its management fee and reimburse or pay certain operating expenses of the portfolio to the extent necessary to maintain the portfolio’s total annual operating expenses at ratios no higher than 0.57% for Class B shares, excluding certain expenses such as extraordinary expenses, taxes, brokerage, interest expense and acquired funds (underlying funds) fees and expenses (estimated at 1.23%). These agreements may only be terminated with the consent of the fund’s Board. After fee waivers and/or reimbursements, net expenses would be 1.80%.


⁽⁹⁾		Management fees and other expenses have been restated to reflect current fiscal year fees and expenses as a result of the bundling of the fund’s investment management agreement with its fund administration agreement effective May 1, 2013. Such combined investment management fees are described further under “Management” in the fund’s prospectus. Total annual fund operating expenses are not affected by such bundling.


⁽¹⁰⁾		The Investment Adviser has agreed to waive a portion of its management fee in order to achieve an effective net management fee rate of 0.77% of the Fund’s average daily net assets. This arrangement will remain in effect through at least April 30, 2015, and prior to such date the Investment Adviser may not terminate the arrangement without the approval of the Board of Trustees. After fee waivers and reimbursements, net expenses would be 0.83%.


⁽¹¹⁾		The Portfolio’s “Other Expenses” have been estimated to reflect expenses expected to be incurred during the first fiscal year. In addition, the Investment Adviser has agreed to (i) waive all of its Management Fees, and (ii) reduce or limit “Other Expenses” (excluding acquired fund fees and expenses, transfer agency fees and expenses, taxes, interest, brokerage fees, shareholder meeting, litigation, indemnification and extraordinary expenses) to 0.204% of the Portfolio’s average daily net assets. Each arrangement will remain in effect through at least April 30, 2015, and prior to such date the Investment Adviser may not terminate the arrangement without the approval of the Board of Trustees. After fee waivers and reimbursements, net expenses would be 1.52%.


⁽¹²⁾		The Investment Adviser has agreed to reduce or limit “Other Expenses” (excluding acquired fund fees and expenses, transfer agency fees and expenses, taxes, interest, brokerage fees, litigation, indemnification, shareholder meeting and other extraordinary expenses) equal on an annualized basis to 0.004% of the Fund’s average daily net assets through at least April 30, 2015, and prior to such date the Investment Adviser may not terminate the arrangement without the approval of the Board of Trustees. The Fund’s “Other Expenses” may be further reduced by any custody and transfer agency fee credits received by the Fund. In addition, Goldman, Sachs & Co. (“Goldman Sachs”) has agreed to waive distribution and service fees so as not to exceed an annual rate of 0.21% of the Fund’s average daily net assets attributable to Service Shares through at least April 30, 2015, and prior to such date Goldman Sachs may not terminate the arrangement without the approval of the Board of Trustees. After fee waivers and reimbursements, net expenses would be 0.65%.


⁽¹³⁾		Invesco Advisers, Inc. (“Invesco or the Adviser”) has contractually agreed to waive advisory fees and/or reimburse expenses of Series II shares to the extent necessary to limit total annual fund operating expenses after fee waiver and/or expense reimbursement (excluding certain items discussed below) of Series II shares to 1.01% of the Fund’s average daily nets assets. In determining the Adviser’s obligation to waive advisory fees and/or reimburse expenses, the following expenses are not taken into account, and could cause the total annual fund operating expenses after fee waiver and/or expense reimbursement to exceed the numbers reflected above: (i) interest; (ii) taxes; (iii) dividend expense on short sales; (iv) extraordinary or non-routine items, including litigation expenses; (v) expenses that the Fund has incurred but did not actually pay because of an expense offset arrangement. Acquired fund fees and expenses are also excluded in determining such obligation. Invesco has also contractually agreed to waive a portion of the Fund’s management fee in an amount equal to the net management fee that Invesco earns on the Fund’s investments in certain affiliated funds. This waiver will have the effect of reducing acquired fund fees and expenses that are indirectly borne by the Fund. Unless Invesco continues the fee waiver agreements, they will terminate on April 30, 2015. The fee waiver agreements cannot be terminated during their terms. After fee waivers and/or expense reimbursements, net expenses would be 1.05%.


⁽¹⁴⁾		Invesco Advisers, Inc. (“Invesco or the Adviser”) has contractually agreed to waive advisory fees and/or reimburse expenses of Series II shares to the extent necessary to limit total annual fund operating expenses after fee waiver and/or expense reimbursement (excluding certain items discussed below) of Series II shares to 1.03% of the Fund’s average daily net assets. In determining the Adviser’s obligation to waive advisory fees and/or reimburse expenses, the following expenses are not taken into account, and could cause the total annual fund operating expenses after fee waiver and/or expense reimbursement to exceed the numbers reflected above: (i) interest; (ii) taxes; (iii) dividend expense on short sales; (iv) extraordinary or non-routine items, including litigation expenses; (v) expenses that the Fund has incurred but did not actually pay because of an expense offset arrangement. Unless Invesco continues the fee waiver agreement, it will terminate on April 30, 2015. The fee waiver agreement cannot be terminated during its term.


⁽¹⁵⁾		Invesco Advisers, Inc. (“Invesco or the Adviser”) has contractually agreed to waive a portion of the Fund’s management fee in an amount equal to the net management fee that Invesco earns on the Fund’s investments in certain affiliated funds. This waiver will have the effect of reducing acquired fund fees and expenses that are indirectly borne by the Fund. Unless Invesco continues the fee waiver agreement, it will terminate on April 30, 2015. The fee waiver agreement cannot be terminated during its term. After fee waivers, net expenses would be 0.72%.

14 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS


⁽¹⁶⁾		Invesco Advisers, Inc. (“Invesco or the Adviser”) has contractually agreed to waive a portion of the Fund’s management fee in an amount equal to the net management fee that Invesco earns on the Fund’s investments in certain affiliated funds. This waiver will have the effect of reducing acquired fund fees and expenses that are indirectly borne by the Fund. Unless Invesco continues the fee waiver agreement, it will terminate on April 30, 2015. The fee waiver agreement cannot be terminated during its term. After fee waivers, net expenses would be 1.35% for Invesco V.I. Global Health Care Fund, Series II Shares and 1.27% for Invesco V.I. International Growth Fund, Series II Shares.


⁽¹⁷⁾		After a voluntary expense waiver and/or reimbursement, net expenses would be 0.97%.


⁽¹⁸⁾		Janus Capital has contractually agreed to waive its investment advisory fee and/or reimburse Portfolio expenses to the extent that the Portfolio’s total annual fund operating expenses (excluding any expenses of an underlying fund (acquired fund fees and expenses), distribution and shareholder servicing fees, administrative services fees payable pursuant to the Transfer Agency Agreement, brokerage commissions, interest, dividends, taxes, and extraordinary expenses) exceed 0.14% until at least May 1, 2015. The contractual waiver may be terminated or modified at any time prior to this date only at the discretion of the Board of Trustees. After fee waivers and/or reimbursements, net expenses would be 1.22%.


⁽¹⁹⁾		The Investment Manager has contractually agreed to waive its fee and, if necessary, reimburse the Portfolio through April 30, 2015, to the extent total annual portfolio operating expenses exceed 1.05%


⁽²⁰⁾		The Portfolios’ Adviser, Morgan Stanley Investment Management Inc., has agreed to reduce its advisory fee and/or reimburse the Portfolio so that total annual portfolio operating expenses, excluding certain investment related expenses, taxes, interest and other extraordinary expenses (including litigation), will not exceed 1.40% for Morgan Stanley UIF Global Real Estate Portfolio, Class II Shares and 1.15% for Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares. In addition, the Portfolio’s Distributor, Morgan Stanley Distribution Inc., has agreed to waive 0.10% for Morgan Stanley UIF Global Real Estate Portfolio, Class II Shares and 0.25% for Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares of the 0.35% 12b-1 fee that it may receive. These fee waivers and/or expense reimbursements will continue for at least one year or until such time as the Board of Directors of The Universal Institutional Funds, Inc. acts to discontinue all or a portion of such waivers and/or reimbursements when it deems that such action is appropriate.


⁽²¹⁾		Other expenses, which includes dividend and interest expenses relating to short sales, are based on estimated expenses for the current fiscal year; actual expenses may vary. In addition, Neuberger Berman Management LLC (“NBM”) has contractually undertaken to waive and/or reimburse certain fees and expenses of Class S so that the total annual operating expenses (excluding interest, taxes, brokerage commissions, acquired fund fees and expenses, dividend and interest expenses related to short sales, and extraordinary expenses, if any) are limited to 2.40% of average net assets. This undertaking lasts until 12/31/2017 and may not be terminated during its term without the consent of the Board of Trustees. The Fund has agreed that Class S will repay NBM for fees and expenses waived or reimbursed for the class provided that repayment does not cause annual operating expenses to exceed 2.40% of the average net assets. Any such repayment must be made within three years after the year in which NBM incurred the expense. After fee waivers and/or reimbursements, net expenses would be 2.73%.


⁽²²⁾		Neuberger Berman Management LLC (“NBM”) has undertaken through Dec. 31, 2017, to waive fees and/or reimburse certain operating expenses, including the compensation of NBM and excluding taxes, interest, extraordinary expenses, brokerage commissions and transaction costs, that exceed, in the aggregate, 1.50%. The expense limitation arrangements for the Portfolio are contractual and any excess expenses can be repaid to NBM within three years of the year incurred, provided such recoupment would not cause a Portfolio to exceed its respective limitation. After fee waivers and/or reimbursements, net expenses would be 1.51%.


⁽²³⁾		The Manager has contractually agreed to waive fees and/or reimburse Fund expenses in an amount equal to the indirect management fees incurred through the Fund’s investment in funds managed by the Manager or its affiliates. This fee waiver and/or expense reimbursement may not be amended or withdrawn until one year from the date of the Fund’s prospectus, unless approved by the Board. After fee waivers and/or reimbursements, net expenses would be 0.97%.


⁽²⁴⁾		The Manager has contractually agreed to waive fees and/or reimburse the Fund for certain expenses in order to limit total annual fund operating expenses after fee waiver and/or expense reimbursement (excluding any applicable dividend expense, taxes, interest and fees from borrowing, any subsidiary expenses, acquired fund fees and expenses, brokerage commissions, extraordinary expenses and certain other Fund expenses) to an annual rate of 1.05% as calculated on the daily net assets of the Fund. The Manager has also contractually agreed to waive fees and/or reimburse Fund expenses in an amount equal to the indirect management fees incurred through the Fund’s investments in funds managed by the Manager or its affiliates. These fee waivers and/or expense reimbursements may not be amended or withdrawn for one year from the date of the Fund’s prospectus, unless approved by the Board.


⁽²⁵⁾		PIMCO has contractually agreed, through May 1, 2015, to reduce its advisory fee to the extent that the Underlying PIMCO Fund Expenses attributable to advisory and supervisory and administrative fees exceed 0.64% of the total assets invested in Underlying PIMCO Funds. PIMCO may recoup these waivers in future periods, not exceeding three years, provided total expenses, including such recoupment, do not exceed the annual expense limit. The fee reduction is implemented based on a calculation of Underlying PIMCO Fund Expenses attributable to advisory and supervisory and administrative fees that is different from the calculation of Acquired Fund Fees and Expenses listed in the table above. After fee waivers, net expenses would be 1.32%.


⁽²⁶⁾		PIMCO has contractually agreed, through May 1, 2015, to waive, first, the advisory fee and, second, the supervisory and administrative fee it receives from the Portfolio in an amount equal to the expenses attributable to the Management Fees of Underlying PIMCO Funds indirectly incurred by the Portfolio in connection with its investments in Underlying PIMCO Funds, to the extent the Portfolio’s Management Fees are greater than or equal to the Management Fees of the Underlying PIMCO Funds. This waiver renews annually for a full year unless terminated by PIMCO upon at least 30 days’ notice prior to the end of the contract term. Certain fees and expenses are not waived or reimbursed, such as direct or indirect (through an acquired fund) interest expense or dividends paid on borrowed securities, and the expense of investing in acquired funds other than certain PIMCO funds. The amount of such expenses will vary based on the Portfolio’s use of those investments as an investment strategy best suited to seek the objective of the Portfolio. In addition, PIMCO has contractually agreed to waive the Portfolio’s advisory fee and the supervisory and administrative fee in an amount equal to the management fee and administrative services fee, respectively, paid by the PIMCO Cayman Commodity Portfolio II Ltd. (the “GMAMA Subsidiary”) to PIMCO. The GMAMA Subsidiary pays PIMCO a management fee and an administrative services fee at the annual rates of 0.49% and 0.20%, respectively, of its net assets. This waiver may not be terminated by PIMCO and will remain in effect for as long as PIMCO’s contract with the GMAMA Subsidiary is in place. After fee waivers, net expenses would be 1.27%.


⁽²⁷⁾		The Adviser has agreed to waive fees and/or pay Fund expenses to the extent necessary to prevent the operating expenses of the Fund (excluding acquired fund fees and expenses, interest expense, trading expenses, dividends and interest payments on securities sold short, taxes and extraordinary expenses) from exceeding 1.45% of the Fund’s average daily net assets per year until May 1, 2015. During such time, the expense limitation is expected to continue until the Board of Trustees acts to discontinue all or a portion of such expense limitation.


⁽²⁸⁾		The Adviser has committed through April 30, 2015 to waive fees and/or reimburse expenses to the extent necessary to cap the Fund’s total annual fund operating expenses after fee waiver at 0.94% for Wells Fargo Advantage VT International Equity Fund – Class 2 and 1.00% for Wells Fargo Advantage VT Opportunity Fund – Class 2. Brokerage commissions, stamp duty fees, interest, taxes, acquired fund fees and expenses and extraordinary expenses are excluded from the cap. After this time, the cap may be increased or the commitment to maintain the cap may be terminated only with the approval of the Board of Trustees. After fee waivers and/or reimbursements, net expenses would be 0.95% for Wells Fargo Advantage VT International Equity Fund – Class 2 and 1.01% for Wells Fargo Advantage VT Opportunity Fund – Class 2.


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 15

Examples

These examples are intended to help you compare the cost of investing in these contracts with the cost of investing in other variable annuity contracts. These costs include your transaction expenses, contract administrative charges, variable account annual expenses and fund fees and expenses.

These examples assume that you invest $10,000 in the contract for the time periods indicated. These examples also assume that your investment has a 5% return each year.

Maximum Expenses. These examples assume the most expensive combination of contract features and benefits and the maximum fees and expenses of the funds available with living benefit riders*, and before fee waivers and/or expense reimbursements. They assume that you select the optional MAV, EEP and Withdrawal Benefit or Accumulation Benefit^(1),(2). Although your actual costs may be higher or lower, based on these assumptions your costs would be:


*		Note: Certain funds are not available for contracts with living benefit riders and may have higher fund expenses than the rider fee and associated fund expenses shown here.


									If you do not surrender your contract
	If you surrender your contract								or if you select an annuity payout plan
	at the end of the applicable time period:								at the end of the applicable time period:
Nonqualified Annuity	1 year		3 years		5 years		10 years		1 year		3 years		5 years		10 years


RAVA Advantage Plus

With a ten-year surrender charge schedule⁽³⁾	$	1,342	$	2,568	$	3,687	$	6,200	$	622	$	1,846	$	3,053	$	6,017

RAVA Advantage Plus

With a seven-year surrender charge schedule		1,252		2,478		3,506		6,017		622		1,846		3,053		6,017

RAVA Select Plus		1,277		2,549		3,169		6,225		647		1,917		3,169		6,225

RAVA Select Plus – Texas		1,367		2,459		3,169		6,225		647		1,917		3,169		6,225


									If you do not surrender your contract
	If you surrender your contract								or if you select an annuity payout plan
	at the end of the applicable time period:								at the end of the applicable time period:
Qualified Annuity	1 year		3 years		5 years		10 years		1 year		3 years		5 years		10 years


RAVA Advantage Plus

With a ten-year surrender charge schedule⁽³⁾	$	1,322	$	2,512	$	3,594	$	6,030	$	602	$	1,790	$	2,962	$	5,848

RAVA Advantage Plus

With a seven-year surrender charge schedule		1,232		2,422		3,414		5,848		602		1,790		2,962		5,848

RAVA Select Plus		1,257		2,492		3,076		6,059		627		1,860		3,076		6,059

RAVA Select Plus – Texas		1,347		2,401		3,076		6,059		627		1,860		3,076		6,059


									If you do not surrender your contract
	If you surrender your contract								or if you select an annuity payout plan
	at the end of the applicable time period:								at the end of the applicable time period:
Band 3 Annuity	1 year		3 years		5 years		10 years		1 year		3 years		5 years		10 years


RAVA Advantage Plus – Band 3

With a ten-year surrender charge schedule⁽³⁾	$	1,303	$	2,456	$	3,503	$	5,858	$	583	$	1,735	$	2,871	$	5,677

RAVA Advantage Plus – Band 3

With a seven-year surrender charge schedule		1,213		2,366		3,322		5,677		583		1,735		2,871		5,677

RAVA Select Plus – Band 3		1,232		2,422		2,962		5,848		602		1,790		2,962		5,848

RAVA Select Plus – Texas – Band 3		1,322		2,332		2,962		5,848		602		1,790		2,962		5,848

16 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS

Minimum Expenses. These examples assume the least expensive combination of contract features and benefits and the minimum fees and expenses of any of the funds before fee waivers and/or expense reimbursements.⁽⁴⁾ They assume that you do not select any optional benefits. Although your actual costs may be higher, based on these assumptions your costs would be:


									If you do not surrender your contract
	If you surrender your contract								or if you select an annuity payout plan
	at the end of the applicable time period:								at the end of the applicable time period:
Nonqualified Annuity	1 year		3 years		5 years		10 years		1 year		3 years		5 years		10 years


RAVA Advantage Plus

With a ten-year surrender charge schedule⁽³⁾	$	919	$	1,328	$	1,611	$	2,156	$	172	$	532	$	911	$	1,956

RAVA Advantage Plus

With a seven-year surrender charge schedule		825		1,228		1,411		1,956		172		532		911		1,956

RAVA Select Plus		849		1,301		1,043		2,231		198		610		1,043		2,231

RAVA Select Plus – Texas		942		1,202		1,043		2,231		198		610		1,043		2,231


									If you do not surrender your contract
	If you surrender your contract								or if you select an annuity payout plan
	at the end of the applicable time period:								at the end of the applicable time period:
Qualified Annuity	1 year		3 years		5 years		10 years		1 year		3 years		5 years		10 years


RAVA Advantage Plus

With a ten-year surrender charge schedule⁽³⁾	$	900	$	1,269	$	1,504	$	1,931	$	152	$	469	$	804	$	1,731

RAVA Advantage Plus

With a seven-year surrender charge schedule		806		1,169		1,304		1,731		152		469		804		1,731

RAVA Select Plus		830		1,243		937		2,012		178		547		937		2,012

RAVA Select Plus – Texas		923		1,143		937		2,012		178		547		937		2,012


									If you do not surrender your contract
	If you surrender your contract								or if you select an annuity payout plan
	at the end of the applicable time period:								at the end of the applicable time period:
Band 3 Annuity	1 year		3 years		5 years		10 years		1 year		3 years		5 years		10 years


RAVA Advantage Plus – Band 3

With a ten-year surrender charge schedule⁽³⁾	$	881	$	1,206	$	1,396	$	1,702	$	131	$	406	$	696	$	1,502

RAVA Advantage Plus – Band 3

With a seven-year surrender charge schedule		787		1,106		1,196		1,502		131		406		696		1,502

RAVA Select Plus – Band 3		806		1,169		804		1,731		152		469		804		1,731

RAVA Select Plus – Texas – Band 3		900		1,069		804		1,731		152		469		804		1,731


⁽¹⁾		In these examples, the contract administrative charge is $50.

⁽²⁾		Because these examples are intended to illustrate the most expensive combination of contract features, the maximum annual fee for each optional rider is reflected rather than the fee that is currently being charged.

⁽³⁾		In Connecticut and Utah, your expenses would be slightly lower due to the modified ten-year surrender charge schedule.

⁽⁴⁾		In these examples, the contract administrative charge is $30.


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 17

Condensed Financial Information

You can find unaudited condensed financial information for the subaccounts representing the lowest and highest total annual variable account expense combination in Appendix E.

Financial Statements

The Variable Account and the Funds

The funds: The contracts currently offer subaccounts investing in shares of the funds listed in the table below.


•	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 contract 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 funds’ 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 fund providers 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.

•	Asset allocation programs may impact fund performance: Asset allocation programs in general may negatively impact the performance of an underlying fund. Even if you do not participate in an asset allocation program, a fund in which your subaccount invests may be impacted if it is included in an asset allocation program. Rebalancing or reallocation under the terms of the asset allocation program may cause a fund to lose money if it must sell large amounts of securities to meet a redemption request. These losses can be greater if the fund holds securities that are not as liquid as others; for example, various types of bonds, shares of smaller companies and securities of foreign issuers. A fund may also experience higher expenses because it must sell or buy securities more frequently than it otherwise might in the absence of asset allocation

18 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS

program rebalancing or reallocations. Because asset allocation programs include periodic rebalancing and may also include reallocation, these effects may occur under the asset allocation program we offer (see “Making the Most of Your Contract — Portfolio Navigator Program and Portfolio Stabilizer Funds”) or under asset allocation programs used in conjunction with the contracts and plans of other eligible purchasers of the funds.

•


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

Expenses We May Incur on Behalf of the Funds

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

Conflicts of Interest These Payments May Create

The Amount of Payments We Receive from the Funds


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 19

see the SAI for a table that ranks the funds according to total dollar amounts they and their affiliates paid us or our affiliates in the prior calendar year.


•	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 these revenues including but not limited to expense payments and non-cash compensation for various purposes:


	•	Compensating, training and educating financial advisors who sell the contracts.

	•	Granting access to our employees whose job it is to promote sales of the contracts by authorized selling firms and their financial advisors, and granting access to financial advisors of our affiliated selling firms.

	•	Activities or services we or our affiliates provide that assist in the promotion and distribution of the contracts including promoting the funds available under the contracts to prospective and existing contract owners, authorized selling firms and financial advisors.

	•	Providing sub-transfer agency and shareholder servicing to contract owners.

	•	Promoting, including and/or retaining the fund’s investment portfolios as underlying investment options in the contracts.

	•	Advertising, printing and mailing sales literature, and printing and distributing prospectuses and reports.

	•	Furnishing personal services to contract owners, including education of contract owners, 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).

	•	Subaccounting, transaction processing, recordkeeping and administration.


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


	•	Assets of the fund’s adviser and transfer agent or an affiliate. 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.

	•	Compensation paid out of 12b-1 fees that are deducted from fund assets and disclosed in the “12b-1 fees” column of the “Annual Operating Expenses of the Funds” table.


•	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:


	•	Assets of the fund’s adviser, subadviser, transfer agent or an affiliate of these and assets of the fund’s distributor or an affiliate. The revenue resulting from these sources usually is based on a percentage of average daily net assets of the fund but there may be other types of payment arrangements.

	•	Compensation paid out of 12b-1 fees that are deducted from fund assets and disclosed in the “12b-1 fees” column of the “Annual Operating Expenses of the Funds” table.

20 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS

Unless you have selected one of the optional living benefit riders, you may allocate purchase payments and transfers to any or all of the subaccounts of the variable account that invest in shares of the funds listed below.


Investing In	Investment Objective and Policies	Investment Adviser
AllianceBernstein VPS Dynamic Asset Allocation Portfolio (Class B)	Seeks to maximize total return consistent with AllianceBernstein’s determination of reasonable risk.	AllianceBernstein L.P.

AllianceBernstein VPS Global Thematic Growth Portfolio (Class B)	Seeks long-term growth of capital.	AllianceBernstein L.P.

AllianceBernstein VPS Growth and Income Portfolio (Class B)	Seeks long-term growth of capital.	AllianceBernstein L.P.

AllianceBernstein VPS International Value Portfolio (Class B)	Seeks long-term growth of capital.	AllianceBernstein L.P.

ALPS/Alerian Energy Infrastructure Portfolio: Class III	Seeks investment results that correspond (before fees and expenses) generally to the price and yield performance of its underlying index.	ALPS Advisors, Inc.

American Century VP International, Class II	Seeks capital growth.	American Century Investment Management, Inc.

American Century VP Mid Cap Value, Class II	Seeks long-term capital growth. Income is a secondary objective.	American Century Investment Management, Inc.

American Century VP Ultra^®, Class II	Seeks capital growth.	American Century Investment Management, Inc.

American Century VP Value, Class II	Seeks long-term capital growth. Income is a secondary objective.	American Century Investment Management, Inc.

BlackRock Global Allocation V.I. Fund (Class III)	Seeks high total investment return.	BlackRock Advisors, LLC, adviser; BlackRock Investment Management, LLC and BlackRock International Limited, sub-advisers.

Calvert VP SRI Balanced Portfolio	Seeks to achieve a competitive total return through an actively managed portfolio of stocks, bonds and money market instruments which offer income and capital growth opportunity and which satisfy the investment criteria, including financial, sustainability and social responsibility factors.	Calvert Investment Management, Inc.

ClearBridge Variable Small Cap Growth Portfolio – Class I	Seeks long-term growth of capital.	Legg Mason Partners Fund Advisor, LLC, adviser; ClearBridge Investments, LLC, sub-adviser. (Western Asset Management Company manages the Fund’s cash and short term investments.)

Columbia Variable Portfolio – Balanced Fund (Class 3)	Seeks maximum total investment return through a combination of capital growth and current income.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Cash Management Fund (Class 3)	Seeks maximum current income consistent with liquidity and stability of principal.	Columbia Management Investment Advisers, LLC


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 21


Investing In	Investment Objective and Policies	Investment Adviser
Columbia Variable Portfolio – Commodity Strategy Fund (Class 2)	Seeks to provide shareholders with total return.	Columbia Management Investment Advisers, LLC, adviser; Threadneedle International Limited, an indirect wholly-owned subsidiary of Ameriprise Financial, subadviser.

Columbia Variable Portfolio – Contrarian Core Fund (Class 2)	Seeks total return, consisting of long-term capital appreciation and current income.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Core Bond Fund (Class 2)	Seeks total return, consisting of current income and capital appreciation.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Diversified Bond Fund (Class 3)	Seeks high level of current income while attempting to conserve the value of the investment for the longest period of time.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Dividend Opportunity Fund (Class 3)	Seeks high level of current income and, as a secondary goal, steady growth of capital.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2)	Seeks to provide shareholders with high total return through current income and, secondarily, through capital appreciation.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Emerging Markets Fund (Class 3)	Seeks long-term capital growth.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Global Bond Fund (Class 3)	Non-diversified fund that seeks high total return through income and growth of capital.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – High Yield Bond Fund (Class 3)	Seeks high current income as its primary objective and, as its secondary objective, capital growth.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Income Opportunities Fund (Class 2)	Seeks high total return through current income and capital appreciation.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Income Opportunities Fund (Class 3)	Seeks high total return through current income and capital appreciation.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – International Opportunity Fund (Class 3)	Seeks capital appreciation.	Columbia Management Investment Advisers, LLC, adviser; Threadneedle International Limited, an indirect wholly-owned subsidiary of Ameriprise Financial, subadviser.

Columbia Variable Portfolio – Large Cap Growth Fund (Class 3)	Seeks long-term capital growth.	Columbia Management Investment Advisers, LLC

22 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS


Investing In	Investment Objective and Policies	Investment Adviser
Columbia Variable Portfolio – Large Core Quantitative Fund (Class 3)	Seeks capital appreciation.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Limited Duration Credit Fund (Class 2)	Seeks level of current income consistent with preservation of capital.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Managed Volatility Conservative Fund (Class 2) (Available only for contracts with living benefit riders.)	Pursues total return while seeking to manage the Fund’s exposure to equity market volatility.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2) (Available only for contracts with living benefit riders.)	Pursues total return while seeking to manage the Fund’s exposure to equity market volatility.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Managed Volatility Growth Fund (Class 2) (Available only for contracts with living benefit riders.)	Pursues total return while seeking to manage the Fund’s exposure to equity market volatility.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Managed Volatility Moderate Growth Fund (Class 2) (Available only for contracts with living benefit riders.)	Pursues total return while seeking to manage the Fund’s exposure to equity market volatility.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Marsico Growth Fund (Class 1)	Seeks long-term growth of capital.	Columbia Management Investment Advisers, LLC, adviser; Marsico Capital Management, LLC, subadviser.

Columbia Variable Portfolio – Marsico International Opportunities Fund (Class 2)	Seeks long-term growth of capital.	Columbia Management Investment Advisers, LLC, adviser; Marsico Capital Management, LLC, subadviser.

Columbia Variable Portfolio – Mid Cap Growth Opportunity Fund (Class 3)	Seeks growth of capital.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Mid Cap Value Opportunity Fund (Class 3)	Seeks long-term growth of capital.	Columbia Management Investment Advisers, LLC


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 23


Investing In	Investment Objective and Policies	Investment Adviser
Columbia Variable Portfolio – Multi-Strategy Alternatives Fund (Class 2) (previously Variable Portfolio – Eaton Vance Global Macro Advantage Fund (Class 2))	Seeks total return, consisting of current income and capital appreciation.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – S&P 500 Index Fund (Class 3)	Seeks long-term capital appreciation.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Select Large-Cap Value Fund (Class 3)	Seeks long-term growth of capital.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Select Smaller-Cap Value Fund (Class 3)	Seeks long-term capital growth.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 3)	Seeks current income as its primary objective and, as its secondary objective, preservation of capital.	Columbia Management Investment Advisers, LLC

Credit Suisse Trust – Commodity Return Strategy Portfolio	The portfolio is designed to achieve positive total return relative to the performance of the Dow Jones-UBS Commodity Index Total Return (“DJ-UBS”).	Credit Suisse Asset Management, LLC

DWS Alternative Asset Allocation VIP, Class B	Seeks capital appreciation.	Deutsche Investment Management Americas Inc., adviser; QS Investors, LLC and RREEF America L.L.C., sub-advisers.

Eaton Vance VT Floating-Rate Income Fund	Seeks high level of current income.	Eaton Vance Management

Fidelity^® VIP Contrafund^® Portfolio Service Class 2	Seeks long-term capital appreciation. Normally invests primarily in common stocks. Invests in securities of companies whose value FMR believes is not fully recognized by the public. Invests in either “growth” stocks or “value” stocks or both. The fund invests in domestic and foreign issuers.	Fidelity Management & Research Company (FMR) is the fund’s manager. FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund.

Fidelity^® VIP Growth & Income Portfolio Service Class 2	Seeks high total return through a combination of current income and capital appreciation. Normally invests a majority of assets in common stocks with a focus on those that pay current dividends and show potential for capital appreciation. Invests in domestic and foreign issuers. The Fund invests in either “growth” stocks or “value” stocks or both.	Fidelity Management & Research Company (FMR) is the fund’s manager. FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund.

Fidelity^® VIP Mid Cap Portfolio Service Class 2	Seeks long-term growth of capital. Normally invests primarily in common stocks. Normally invests at least 80% of assets in securities of companies with medium market capitalizations. May invest in companies with smaller or larger market capitalizations. Invests in domestic and foreign issuers. The Fund invests in either “growth” or “value” common stocks or both.	Fidelity Management & Research Company (FMR) is the fund’s manager. FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund.

24 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS


Investing In	Investment Objective and Policies	Investment Adviser
Fidelity^® VIP Overseas Portfolio Service Class 2	Seeks long-term growth of capital. Normally invests primarily in common stocks allocating investments across different countries and regions. Normally invests at least 80% of assets in non-U.S. securities.	Fidelity Management & Research Company (FMR) is the fund’s manager. FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund.

Fidelity^® VIP Strategic Income Portfolio Service Class 2	Seeks a high level of current income and may also seek capital appreciation.	Fidelity Management & Research Company (FMR) is the fund’s manager. Fidelity Investments Money Management, Inc. (FIMM), FMR Co., Inc. (FMRC), FIL Investment Advisors (UK) Limited (FIA (UK)) and other investment advisers serve as sub-advisers for the fund.

FTVIPT Franklin Global Real Estate VIP Fund – Class 2 (previously FTVIPT Franklin – Global Real Estate Securities Fund – Class 2)	Seeks high total return. Under normal market conditions, the fund invests at least 80% of its net assets in investments of companies located anywhere in the world that operate in the real estate sector.	Franklin Templeton Institutional, LLC

FTVIPT Franklin Income VIP Fund – Class 2 (previously FTVIPT Franklin – Income Securities Fund – Class 2)	Seeks to maximize income while maintaining prospects for capital appreciation. Under normal market conditions, the fund invests in both equity and debt securities.	Franklin Advisers, Inc. adviser; Templeton Investment Counsel, LLC, subadviser.

FTVIPT Franklin Mutual Shares VIP Fund – Class 2 (previously FTVIPT – Mutual Shares Securities Fund – Class 2)	Seeks capital appreciation, with income as a secondary goal. Under normal market conditions, the fund invests primarily in U.S. and foreign equity securities that the investment manager believes are undervalued.	Franklin Mutual Advisers, LLC

FTVIPT Franklin Small Cap Value VIP Fund – Class 2 (previously FTVIPT Franklin – Small Cap Value Securities Fund – Class 2)	Seeks long-term total return. Under normal market conditions, the fund invests at least 80% of its net assets in investments of small capitalization companies.	Franklin Advisory Services, LLC

FTVIPT Templeton Global Bond VIP Fund – Class 2 (previously FTVIPT Templeton Global Bond Securities Fund – Class 2)	Seeks high current income, consistent with preservation of capital, with capital appreciation as a secondary consideration. Under normal market conditions, the fund invests at least 80% of its net assets in bonds, which include debt securities of any maturity, such as bonds, notes, bills and debentures.	Franklin Advisers, Inc.

Goldman Sachs VIT Mid Cap Value Fund – Institutional Shares	Seeks long-term capital appreciation.	Goldman Sachs Asset Management, L.P.

Goldman Sachs VIT Multi-Strategy Alternatives Portfolio – Advisor Shares (Available on or about 6/30/2014)	Seeks long-term growth of capital.	Goldman Sachs Asset Management, L.P.


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 25


Investing In	Investment Objective and Policies	Investment Adviser
Goldman Sachs VIT U.S. Equity Insights Fund – Institutional Shares (previously Goldman Sachs VIT Structured U.S. Equity Fund – Institutional Shares)	Seeks long-term growth of capital.	Goldman Sachs Asset Management, L.P.

Invesco V.I. American Franchise Fund, Series II Shares	Seeks capital growth.	Invesco Advisers, Inc.

Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares	Non-diversified fund that seeks total return with a low to moderate correlation to traditional financial market indices.	Invesco Advisers, Inc.

Invesco V.I. Comstock Fund, Series II Shares	Seeks capital growth and income through investments in equity securities, including common stocks, preferred stocks and securities convertible into common and preferred stocks.	Invesco Advisers, Inc.

Invesco V.I. Diversified Dividend Fund, Series I Shares	Seeks to provide reasonable current income and long-term growth of income and capital.	Invesco Advisers, Inc.

Invesco V.I. Global Health Care Fund, Series II Shares	Seeks long-term growth of capital.	Invesco Advisers, Inc.

Invesco V.I. International Growth Fund, Series II Shares	Seeks long-term growth of capital.	Invesco Advisers, Inc.

Invesco V.I. Mid Cap Growth Fund, Series II Shares	Seeks capital growth.	Invesco Advisers, Inc.

Invesco V.I. Technology Fund, Series I Shares	Seeks long-term growth of capital.	Invesco Advisers, Inc.

Ivy Funds VIP Asset Strategy	Seeks total return over the long term.	Waddell & Reed Investment Management Company

Janus Aspen Series Flexible Bond Portfolio: Service Shares	Seeks to obtain maximum total return, consistent with preservation of capital.	Janus Capital Management LLC

Janus Aspen Series Global Allocation Portfolio – Moderate: Service Shares	Seeks total return through growth of capital and income.	Janus Capital Management LLC

Janus Aspen Series Janus Portfolio: Service Shares	Seeks long-term growth of capital.	Janus Capital Management LLC

Lazard Retirement Global Dynamic Multi Asset Portfolio – Service Shares (previously Lazard Retirement Multi-Asset Targeted Volatility Portfolio – Service Shares)	Seeks long-term capital appreciation.	Lazard Asset Management, LLC

26 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS


Investing In	Investment Objective and Policies	Investment Adviser
MFS^® Investors Growth Stock Series – Service Class	Seeks capital appreciation.	MFS^® Investment Management

MFS^® New Discovery Series – Service Class	Seeks capital appreciation.	MFS^® Investment Management

MFS^® Utilities Series – Service Class	Seeks total return.	MFS^® Investment Management

Morgan Stanley UIF Global Real Estate Portfolio, Class II Shares	Seeks to provide current income and capital appreciation.	Morgan Stanley Investment Management Inc., adviser; Morgan Stanley Investment Management Limited and Morgan Stanley Investment Management Company, subadvisers.

Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares	Seeks long-term capital growth by investing primarily in common stocks and other equity securities.	Morgan Stanley Investment Management Inc.

Neuberger Berman Advisers Management Trust Absolute Return Multi-Manager Portfolio (Class S) (Available on or about 6/30/2014)	Seeks capital appreciation with an emphasis on absolute (i.e., positive) returns.	Neuberger Berman Management LLC is the Fund’s investment manager. NB Alternative Investment Management LLC is the Fund’s investment adviser.

Neuberger Berman Advisers Management Trust International Equity Portfolio (Class S)	Seeks long-term growth of capital by investing at least 80% of its nets assets, plus the amount of any borrowings for investment purposes, in equity securities.	Neuberger Berman Management LLC

Oppenheimer Global Fund/VA, Service Shares	Seeks long-term capital appreciation by investing a substantial portion of its assets in securities of foreign issuers, “growth-type” companies, cyclical industries and special situations that are considered to have appreciation possibilities.	OFI Global Asset Management, Inc., adviser; OppenheimerFunds, Inc., sub-adviser.

Oppenheimer Global Strategic Income Fund/VA, Service Shares	Seeks a high level of current income principally derived from interest on debt securities.	OFI Global Asset Management, Inc., adviser; OppenheimerFunds, Inc., sub-adviser.

Oppenheimer Main Street Small Cap Fund^®/VA, Service Shares	Seeks capital appreciation.	OFI Global Asset Management, Inc., adviser; OppenheimerFunds, Inc., sub-adviser.

PIMCO VIT All Asset Portfolio, Advisor Class	Seeks maximum real return consistent with preservation of real capital and prudent investment management.	Pacific Investment Management Company LLC (PIMCO)

PIMCO VIT Global Multi-Asset Managed Allocation Portfolio, Advisor Class (previously PIMCO VIT Global Multi-Asset Portfolio, Advisor Class)	Seeks total return which exceeds that of a blend of 60% MSCI World Index/40% Barclays U.S. Aggregate Index.	Pacific Investment Management Company LLC (PIMCO)

PIMCO VIT Total Return Portfolio, Advisor Class	Seeks maximum total return, consistent with preservation of capital and prudent investment management.	Pacific Investment Management Company LLC (PIMCO)


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 27


Investing In	Investment Objective and Policies	Investment Adviser
Putnam VT Global Health Care Fund – Class IB Shares	Seeks capital appreciation.	Putnam Investment Management, LLC, adviser; Putnam Advisory Company, LLC, sub-adviser; and Putnam Investments Limited, sub-manager

Putnam VT International Equity Fund – Class IB Shares	Seeks capital appreciation.	Putnam Investment Management, LLC, adviser; Putnam Advisory Company, LLC, sub-adviser; and Putnam Investments Limited, sub-manager

Putnam VT Multi-Cap Growth Fund – Class IB Shares	Seeks long-term capital appreciation.	Putnam Investment Management, LLC, adviser; Putnam Investments Limited, sub-manager

Van Eck VIP Global Gold Fund (Class S Shares)	Seeks long-term capital appreciation by investing in common stocks of gold-mining companies. The Fund may take current income into consideration when choosing investments.	Van Eck Associates Corporation

Variable Portfolio – Aggressive Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with an aggressive level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – Aggressive Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with an aggressive level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – AQR Managed Futures Strategy Fund (Class 2)	Seeks positive absolute returns.	Columbia Management Investment Advisers, LLC, adviser; AQR Capital Management, LLC, subadviser.

28 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS


Investing In	Investment Objective and Policies	Investment Adviser
Variable Portfolio – BlackRock Global Inflation-Protected Securities Fund (Class 3)	Non-diversified fund that seeks total return that exceeds the rate of inflation over the long term.	Columbia Management Investment Advisers, LLC, adviser; BlackRock Financial Management, Inc., subadviser.

Variable Portfolio – Conservative Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with a conservative level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – Conservative Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with a conservative level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – Goldman Sachs Commodity Strategy Fund (Class 2)	Seeks total return, consisting of current income and capital appreciation.	Columbia Management Investment Advisers, LLC, adviser; Goldman Sachs Asset Management, L.P., subadviser.

Variable Portfolio – Moderate Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with a moderate level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 29


Investing In	Investment Objective and Policies	Investment Adviser
Variable Portfolio – Moderate Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with a moderate level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – Moderately Aggressive Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with a moderately aggressive level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – Moderately Aggressive Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with a moderately aggressive level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

30 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS


Investing In	Investment Objective and Policies	Investment Adviser
Variable Portfolio – Moderately Conservative Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with a moderately conservative level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – Moderately Conservative Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with a moderately conservative level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – Partners Small Cap Value Fund (Class 3)	Seeks long-term capital appreciation.	Columbia Management Investment Advisers, LLC, adviser; Barrow, Hanley, Mewhinney & Strauss, LLC, Denver Investment Advisors LLC, Donald Smith & Co., Inc., River Road Asset Management, LLC and Turner Investments L.P., subadvisers.

Variable Portfolio – Pyrford International Equity Fund (Class 2)	Seeks long-term capital appreciation.	Columbia Management Investment Advisers, LLC, adviser; Pyrford International Ltd., subadviser.

Variable Portfolio – Sit Dividend Growth Fund (Class 3)	Seeks long-term capital growth.	Columbia Management Investment Advisers, LLC, adviser; Sit Investment Associates, Inc., subadviser.

Variable Portfolio – Victory Established Value Fund (Class 3)	Seeks long-term growth of capital.	Columbia Management Investment Advisers, LLC, adviser; Victory Capital Management, Inc., subadviser.

Variable Portfolio – Wells Fargo Short Duration Government Fund (Class 2)	Seeks to provide current income consistent with capital preservation.	Columbia Management Investment Advisers, LLC, adviser; Wells Capital Management Incorporated, subadviser.


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 31


Investing In	Investment Objective and Policies	Investment Adviser
Wanger International	Seeks long-term capital appreciation.	Columbia Wanger Asset Management, LLC

Wanger USA	Seeks long-term capital appreciation.	Columbia Wanger Asset Management, LLC

Wells Fargo Advantage VT International Equity Fund – Class 2	Seeks long-term capital appreciation.	Wells Fargo Funds Management, LLC, adviser; Wells Capital Management Inc., sub-adviser.

Wells Fargo Advantage VT Opportunity Fund – Class 2	Seeks long-term capital appreciation.	Wells Fargo Funds Management, LLC, adviser; Wells Capital Management Inc., sub-adviser.

Wells Fargo Advantage VT Small Cap Growth Fund – Class 2	Seeks long-term capital appreciation.	Wells Fargo Funds Management, LLC, adviser; Wells Capital Management Inc., sub-adviser.

Western Asset Variable Global High Yield Bond Portfolio – Class II	Seeks to maximize total return.	Legg Mason Partners Fund Adviser, LLC; Western Asset Management Company, Western Asset Management Company Limited & Western Asset Management Pte. Ltd., sub-advisers.

Guarantee Period Accounts (GPAs)

The GPAs may not be available for contracts in some states.

Currently, unless the PN program is in effect or you have selected one of the optional living benefit riders, you may allocate purchase payments and purchase payment credits to one or more of the GPAs with guarantee periods declared by us. The required minimum investment in each GPA is $1,000. These accounts are not offered after annuity payouts begin.

Each GPA pays an interest rate that is declared when you make an allocation to that account. That interest rate is then fixed for the guarantee period that you chose. We will periodically change the declared interest rate for any future allocations to these accounts, but we will not change the rate paid on money currently in a GPA. The GPA interests under the contracts are registered with the SEC. The SEC staff reviews the disclosures in this prospectus on the GPA interests.

The interest rates that we will declare as guaranteed rates in the future are determined by us at our discretion (future rates).

We will determine future rates based on various factors including, but not limited to, the interest rate environment, returns earned on investments in the nonannuitized separate account we have established for the GPAs, the rates currently in effect for new and existing RiverSource Life annuities, product design, competition and RiverSource Life’s revenues and other expenses. Interest rates offered may vary by state, but will not be lower than state law allows. We cannot predict nor can we guarantee what future rates will be.

We hold amounts you allocate to the GPAs in a “nonannuitized” separate account. This separate account provides an additional measure of assurance that we will make full payment of amounts due under the GPAs. State insurance law prohibits us from charging this separate account with liabilities of any other separate account or of our general business. We own the assets of this separate account as well as any favorable investment performance of those assets. You do not participate in the performance of the assets held in this separate account. We guarantee all benefits relating to your value in the GPAs. This guarantee is based on the continued claims-paying ability of the company’s general account. You should be aware that our general account is exposed to the risks normally associated with a portfolio of fixed-income securities, including interest rate, option, liquidity and credit risk. The financial statements contained in the SAI include a further discussion of the risks inherent within the investments of the general account.

We intend to construct and manage the investment portfolio relating to the separate account in such a way as to minimize the impact of fluctuations in interest rates. We achieve this by constructing a portfolio of assets with a price sensitivity to interest rate changes (i.e., price duration) that is similar to the price duration of the corresponding portfolio of liabilities.

We must invest this portfolio of assets in accordance with requirements established by applicable state laws regarding the nature and quality of investments that life insurance companies may make and the percentage of their assets that they may commit to any particular type of investment. Our investment strategy will incorporate the use of a variety of debt instruments

32 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS

having price durations tending to match the applicable guarantee periods. These instruments include, but are not necessarily limited to, the following:


•	Securities issued by the U.S. government or its agencies or instrumentalities, which issues may or may not be guaranteed by the U.S. government;

•	Debt securities that have an investment grade, at the time of purchase, within the four highest grades assigned by any of three nationally recognized rating agencies — Standard & Poor’s, Moody’s Investors Service or Fitch — or are rated in the two highest grades by the National Association of Insurance Commissioners;

•	Debt instruments that are unrated, but which are deemed by RiverSource Life to have an investment quality within the four highest grades;

•	Other debt instruments which are unrated or rated below investment grade, limited to 15% of assets at the time of purchase; and

•	Real estate mortgages, limited to 30% of portfolio assets at the time of acquisition.

In addition, options and futures contracts on fixed income securities will be used from time to time to achieve and maintain appropriate investment and liquidity characteristics on the overall asset portfolio.

While this information generally describes our investment strategy, we are not obligated to follow any particular strategy except as may be required by federal law and Minnesota and other state insurance laws.

MARKET VALUE ADJUSTMENT (MVA)

We will not apply an MVA to contract value you transfer or surrender out of the GPAs within 30 days before the end of the guarantee period. During this 30 day window you may choose to start a new guarantee period of the same length, transfer the contract value to a GPA of another length, transfer the contract value to any of the subaccounts or the fixed account, or surrender the contract value (subject to applicable surrender provisions). If we do not receive any instructions at the end of your guarantee period, our current practice is to automatically transfer the contract value to the one year GPA. Any new GPA, whether it is one you choose or an automatic transfer to a one year GPA, will be subject to an MVA as described below.

We guarantee the contract value allocated to the GPAs, including interest credited, if you do not make any transfers or surrenders from the GPAs prior to 30 days before the end of the guarantee period (30-day rule). At all other times, and unless one of the exceptions to the 30-day rule described below applies, we will apply an MVA if you surrender or transfer contract value from a GPA including withdrawals under the Withdrawal Benefit rider, or you elect an annuity payout plan while you have contract value invested in a GPA. We will refer to these transactions as “early surrenders.” The application of an MVA may result in either a gain or loss of principal.

The 30-day rule does not apply and no MVA will apply to:


•	death benefits;

•	amounts surrendered for fees and charges;

•	amounts surrendered under contract provisions that waive surrender charges for Hospital or Nursing Home Confinement and Terminal Illness Disability Diagnosis; and

•	amounts surrendered from the GPA within 30 days prior to the end of the guarantee period.

When you request an early surrender, we adjust the early surrender amount by an MVA formula. The early surrender amount reflects the relationship between the guaranteed interest rate you are earning in your current GPA and the interest rate we are crediting on new GPAs that end at the same time as your current GPA.

The MVA is sensitive to changes in current interest rates. The magnitude of any applicable MVA will depend on our current schedule of guaranteed interest rates at the time of the surrender, the time remaining in your guarantee period and your guaranteed interest rate. The MVA is negative, zero or positive depending on how the guaranteed interest rate on your GPA compares to the interest rate of a new GPA for the same number of years as the guarantee period remaining on your GPA. This is summarized in the following table:


If your GPA rate is:	The MVA is:


Less than the new GPA rate + 0.10%		Negative

Equal to the new GPA rate + 0.10%		Zero

Greater than the new GPA rate + 0.10%		Positive

For an example, see Appendix A.


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 33

The Fixed Account

Unless the PN program is in effect or you have selected one of the optional living benefit riders, you also may allocate purchase payments and purchase payment credits or transfer contract value to the fixed account. We back the principal and interest guarantees relating to the fixed account. These guarantees are based on the continued claims-paying ability of the company’s general account. You should be aware that our general account is exposed to the risks normally associated with a portfolio of fixed-income securities, including interest rate, option, liquidity and credit risk. You should also be aware that we issue other types of insurance and financial products as well, and we also pay our obligations under these products from 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 value of the fixed account increases as we credit interest to the account. Purchase payments and transfers to the fixed account become part of our general account. We credit and compound interest daily based on a 365-day year so as to produce the annual effective rate which we declare. We do not credit interest on leap days (Feb. 29). The interest rate we apply to each purchase payment or transfer to the fixed account is guaranteed for one year. Thereafter, we will change the rates from time to time at our discretion. These rates will be based on various factors including, but not limited to, the interest rate environment, returns earned on investments backing these annuities, the rates currently in effect for new and existing RiverSource Life annuities, product design, competition, and RiverSource Life’s revenues and expenses. Subject to state law limitations, we reserve the right to limit purchase payment allocations to the fixed account if the interest rate we are then currently crediting to the fixed account is equal to the minimum interest rate stated in the contract.

Interests in the fixed account are not required to be registered with the SEC. The SEC staff does not review the disclosures in this prospectus on the fixed account. Disclosures regarding the fixed account, however, may be subject to certain generally applicable provisions of the federal securities laws relating to the accuracy and completeness of statements made in prospectuses. (See “Making the Most of Your Contract — Transfer policies” for restrictions on transfers involving the fixed account.)

The Special DCA Account

You also may allocate purchase payments and purchase payment credits to the Special DCA account, when available. The Special DCA account is available for promotional purposes for new purchase payments only and may not be available at all times.* We back the principal and interest guarantees relating to the Special DCA account. These guarantees are based on the continued claims-paying ability of the company. The value of the Special DCA account increases as we credit interest to the account. Purchase payments to the Special DCA account become part of our general account. We credit and compound interest daily based on a 365-day year so as to produce the annual effective rate which we declare. We do not credit interest on leap days (Feb. 29). The interest rate we apply to each purchase payment is guaranteed for the period of time money remains in the Special DCA account. The rates credited to the Special DCA account will be based on various factors including, but not limited to, the interest rate environment, returns earned on investments backing these annuities, the rates currently in effect for new and existing RiverSource Life annuities, product design, competition, and RiverSource Life’s revenues and expenses.

Interests in the Special DCA account are not required to be registered with the SEC. The SEC staff does not review the disclosures in this prospectus on the Special DCA account. Disclosures regarding the Special DCA account, however, may be subject to certain generally applicable provisions of the federal securities laws relating to the accuracy and completeness of statements made in prospectuses. (See “Making the Most of Your Contract — Special Dollar Cost Averaging Program” for more information on the Special DCA account.)


*		For contracts purchased in Oregon the Special DCA account is available at all times.

Buying Your Contract

New contracts are not currently being offered.

As the owner, you have all rights and may receive all benefits under the contract. You can own a nonqualified annuity in joint tenancy with rights of survivorship only in spousal situations. You cannot own a qualified annuity in joint tenancy. You can buy a contract if you and the annuitant are 90 or younger.

The contract provides for allocation of purchase payments and purchase payment credits to the subaccounts of the variable account, to the GPAs, to the fixed account and/or to the Special DCA account (when available) in even 1% increments subject to the $1,000 required minimum investment for the GPAs. There may be certain restrictions on the amount you may allocate to the fixed account. (See “Purchase Payments.”)

34 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS

allocated to the subaccounts using the accumulation unit value we calculate on the valuation date we received the payment. If we receive an additional purchase payment at our corporate office at or after the close of business, we will credit any portion of that payment allocated to the subaccounts using the accumulation unit value we calculate on the next valuation date after we received the payment.

THE SETTLEMENT DATE

BENEFICIARY

If death benefits become payable before the settlement date while the contract is in force and before annuity payouts begin, we will pay the death benefit to your named beneficiary. If there is more than one beneficiary we will pay each beneficiary’s designated share when we receive their complete claim. A beneficiary will bear the investment risk if the variable account until we receive the beneficiary’s complete claim. If there is no named beneficiary, then the default provisions of your contract apply. (See “Benefits in Case of Death” for more about beneficiaries.)

PURCHASE PAYMENTS*

Minimum allowable purchase payments^**

If paying by installments under a scheduled payment plan:

$50 per month


	RAVA Advantage Plus		RAVA Select Plus


If paying by any other method:
initial payment for qualified annuities	$	1,000	$	2,000

initial payment for nonqualified annuities		2,000		10,000

for any additional payments		50		50


*		RAVA Advantage Plus and RAVA Select Plus Band 3 annuities sold to individuals other than advisors and employees: Require a minimum $1,000,000 initial purchase payment and corporate office approval. Contracts already approved may make payments in subsequent years up to $100,000 if your age on the effective date of the contract is age 85 or younger and $50,000 if your age on the effective date of the contract is age 86 to 90.
**		Installments must total at least $600 in the first year. If you do not make any purchase payments for 24 months, and your previous payments total $600 or less, we have the right to give you 30 days’ written notice and pay you the total value of your contract in a lump sum. This right does not apply to contracts in Illinois and New Jersey.


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 35

Maximum allowable purchase payments^*** (without corporate office approval) based on your age on the effective date of the contract:


	RAVA Advantage Plus		RAVA Select Plus


For the first year:
through age 85	$	999,999	$	999,999

for ages 86 to 90		100,000		100,000

For each subsequent year:
through age 85		100,000		100,000

for ages 86 to 90		50,000		50,000


***		These limits apply in total to all RiverSource Life annuities you own. We reserve the right to increase maximum limits. For qualified annuities the tax-deferred retirement plan’s or the Code’s limits on annual contributions also apply.

We will consider your contract void from the start if we do not receive your initial purchase payment within 180 days from the application signed date.

Effective Jan. 26, 2009, no additional purchase payments are allowed for contracts with the Withdrawal Benefit rider or Enhanced Withdrawal Benefit rider, subject to state restrictions.

For contracts issued in all states except those listed below, certain exceptions apply and the following additional purchase payments will be allowed on/after Jan. 26, 2009:


a.	Tax Free Exchanges, rollovers, and transfers listed on the annuity application and received within 180 days from the contract issue date.

b.	Current tax year contributions for TSAs up to the annual limit set by the IRS.

c.	Prior and current tax year contributions up to a cumulative annual maximum of $6,000⁽¹⁾ for any Qualified Accounts except TSAs. This maximum applies to IRAs, Roth IRAs, SIMPLE IRAs, and SEP plans.


⁽¹⁾		The maximum amount is subject to change in later years and is based on the limit set by the IRS for individual IRAs (including the catch-up provision).

For contracts with the Withdrawal Benefit rider and Enhanced Withdrawal Benefit rider issued in Florida, New Jersey, and Oregon, additional purchase payments to your variable annuity contract will not be limited beyond the maximum purchase payment limits shown above.

Additional purchase payment restrictions for contracts with the Accumulation Benefit rider

Additional purchase payments for contracts with the Accumulation Benefit rider are restricted during the waiting period after the first 180 days (1) immediately following the effective date and (2) following the last contract anniversary for each elective step up.

We reserve the right to change these current rules at any time, subject to state restrictions.

Purchase payment amounts and purchase payment timing may vary by state and may be limited under the terms of your contract.

Subject to state regulatory requirements, we reserve the right to not accept purchase payments allocated to the fixed account for twelve months following either:


1.	a partial surrender from the fixed account; or

2.	a lump sum transfer from the fixed account to a subaccount.

HOW TO MAKE PURCHASE PAYMENTS

1 By letter

Send your check along with your name and contract number to:

RiverSource Life Insurance Company
70200 Ameriprise Financial Center
Minneapolis, MN 55474

2 By scheduled payment plan

We can help you set up:


•	an automatic payroll deduction, salary reduction or other group billing arrangement; or

•	a bank authorization.

36 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS

PURCHASE PAYMENT CREDITS

For RAVA Advantage Plus: we add a credit to your contract in the amount of:


•	1% of each purchase payment received:

– if you elect the ten-year surrender charge schedule for your contract* and the initial purchase payment is under $100,000; or

– if you elect the seven-year surrender charge schedule for your contract and your initial purchase payment to the contract is at least $100,000 but less than $1,000,000.


•	2% of each purchase payment received if you elect the ten-year surrender charge schedule for your contract* and your initial purchase payment to the contract is at least $100,000 but less than $1,000,000.

For RAVA Advantage Plus – Band 3: we add a credit to your contract in the amount of:


•	2% of each purchase payment received:

– if you elect the seven-year surrender charge schedule for your contract.


•	3% of each purchase payment received:

– if you elect the ten-year surrender charge schedule for your contract*.

Surrender charges under RAVA Advantage Plus and RAVA Advantage Plus – Band 3 may be higher and longer than those for contracts that do not have purchase payment credits. The amount of the credits may be more than offset by the additional charges associated with them. Because of higher charges, there could be circumstances where you may be worse off purchasing one of these contracts with the credits than purchasing other contracts. All things being equal (such as fund performance and availability), this may occur if you select the ten-year surrender charge and you make a full surrender in years five through ten. We pay for the credits under RAVA Advantage Plus and RAVA Advantage Plus – Band 3 primarily through revenue from a higher and longer surrender charge schedule and through lower costs associated with larger sized contracts, including lower compensation paid on the sales of these contracts.

For RAVA Select Plus: we add a credit to your contract in the amount of 1% of each purchase payment received in the first contract year if your initial purchase payment to the contract is at least $250,000 but less than $1,000,000.

For RAVA Select Plus – Band 3: we add a credit to your contract in the amount of 2% of each purchase payment received in the first contract year.

Expenses under RAVA Select Plus and RAVA Select Plus – Band 3 may be higher than those for contracts that do not have purchase payment credits. The amount of the credits may be more than offset by the additional charges associated with them. Because of higher charges, you may be worse off purchasing one of these contracts with the credits than purchasing other contracts. We pay for the credits under RAVA Select Plus and RAVA Select Plus – Band 3 primarily through lower costs associated with larger sized contracts, including lower compensation paid on the sales of these contracts.

We fund all credits from our general account. We do not consider credits to be “investments” for income tax purposes. (See “Taxes.”)

We will assess a charge, similar to a surrender charge, equal to the amount of the purchase payment credits to the extent a death benefit, surrender payment, or settlement under an annuity payout plan includes purchase payment credits applied within twelve months preceding: (1) the date of death that results in a lump sum death benefit under this contract; (2) a request for surrender charge waiver due to Nursing Home Confinement or Terminal Illness Disability Diagnosis; or (3) your settlement of the contract under an annuity payout plan.*


*		The ten-year surrender charge under RAVA Advantage Plus and RAVA Advantage Plus – Band 3 is not available in Oregon. Contracts purchased in Oregon are only eligible for a 1% purchase payment credit if the initial purchase payment is at least $100,000. For contracts purchased in Oregon, we will assess a charge, similar to a surrender charge, equal to the amount of the purchase payment credits to the extent a death benefit includes purchase payment credits applied within twelve months preceding the date of death that results in a lump sum death benefit under this contract only.


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 37

LIMITATIONS ON USE OF CONTRACTS

Charges

CONTRACT ADMINISTRATIVE CHARGE

We charge this fee for establishing and maintaining your records. Currently, we deduct $30 from your contract value on your contract anniversary at the end of each contract year. Subject to state regulatory requirements, we prorate this charge among the subaccounts and the fixed account in the same proportion your interest in each account bears to your total contract value, less amounts invested in the GPAs and the Special DCA account. The contract administrative charge is only deducted from GPAs and any Special DCA account if insufficient amounts are available in the fixed account and the subaccounts. We reserve the right to increase this charge after the first contract anniversary to a maximum of $50.*

We will waive $30 of this charge when your contract value, or total purchase payments less any payments surrendered, is $50,000 or more on the current contract anniversary.

If you surrender your contract, we will deduct the full charge at the time of surrender regardless of the contract value or purchase payments made. This charge does not apply after annuity payouts begin or when we pay death benefits.


*		In certain states and for certain contracts we have waived our right to increase the contract administrative charge.

MORTALITY AND EXPENSE RISK FEE

We charge this fee daily to the subaccounts. The unit values of your subaccounts reflect this fee, which is a percentage of their average daily net assets, on an annual basis as follows:


	RAVA Advantage Plus			RAVA Select Plus


For nonqualified annuities		0.95	%		1.20	%

For qualified annuities		0.75	%		1.00	%

For Band 3 annuities		0.55	%		0.75	%

This fee covers the mortality and expense risk that we assume. This fee does not apply to the GPAs, the fixed account or the Special DCA account.

Expense risk arises because we cannot increase the contract administrative charge more than $20.00 per contract and this charge may not cover our expenses. We would have to make up any deficit from our general assets. We could profit from the expense risk fee if future expenses are less than expected.

The subaccounts pay us the mortality and expense risk fee they accrued as follows:


•	first, to the extent possible, the subaccounts pay this fee from any dividends distributed from the funds in which they invest;

•	then, if necessary, the funds redeem shares to cover any remaining fees payable.

SURRENDER CHARGE

If you surrender all or part of your contract, you may be subject to a surrender charge. For RAVA Advantage Plus, a surrender charge applies if all or part of the surrender amount is from purchase payments we received within seven or ten years before surrender. You select the surrender charge period at the time of your application for the contract. For RAVA Select Plus, a surrender charge applies if you surrender all or part of your purchase payments in the first three contract years. The surrender charge percentages that apply to you are shown in your contract.

38 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS

You may surrender an amount during any contract year without a surrender charge. We call this amount the Total Free Amount (TFA). The TFA varies depending on whether your contract includes the Withdrawal Benefit rider:

Contracts without Withdrawal Benefit rider

The TFA is the greater of:


•	10% of the contract value on the prior contract anniversary*; or

•	current contract earnings.

Contracts with Withdrawal Benefit rider

The TFA is the greatest of:


•	10% of the contract value on the prior contract anniversary*;

•	current contract earnings; or

•	the Remaining Benefit Payment.


*		We consider your purchase payment and any purchase payment credit applied on the first day payments are received to be the prior contract anniversary’s contract value during the first contract year.

NOTE: We determine current contract earnings by looking at the entire contract value, not the earnings of any particular subaccount, GPA, the fixed account or the Special DCA account.

Amounts surrendered in excess of the TFA may be subject to a surrender charge as described below.

Surrender charge under RAVA Advantage Plus:

For purposes of calculating any surrender charge under RAVA Advantage Plus, we treat amounts surrendered from your contract value in the following order:


1.	First, we surrender the TFA. We do not assess a surrender charge on the TFA.

2.	Next we surrender purchase payments received prior to the surrender charge period you selected and shown in your contract. We do not assess a surrender charge on these purchase payments.

3.	Finally, if necessary, we surrender purchase payments received that are still within the surrender charge period you selected and shown in your contract. We surrender these payments on a first-in, first-out (FIFO) basis. We do assess a surrender charge on these payments.

We determine your surrender charge by multiplying each of your payments surrendered by the applicable surrender charge percentage, and then adding the total surrender charges.

The surrender charge percentage depends on the number of years since you made the payments that are surrendered, depending on the schedule you selected*:


Seven-year schedule						Ten-year schedule*
Number of completed						Number of completed
years from date of each			Surrender charge			years from date of each			Surrender charge
purchase payment			percentage			purchase payment			percentage


	0			7	%		0			8	%

	1			7			1			8

	2			7			2			8

	3			6			3			7

	4			5			4			7

	5			4			5			6

	6			2			6			5

	7	+		0			7			4

							8			3

							9			2

							10	+		0


*		The ten-year surrender charge schedule under RAVA Advantage Plus is not available in Oregon. In Connecticut and Utah, the ten-year surrender charge schedule is 8% for years 0-2, 7% for year 3 and declining by 1% each year thereafter until it is 0% for years 10+. For contracts issued in Alabama, Massachusetts, Oregon and Washington, we waive surrender charges after the tenth contract anniversary for all payments regardless of when payments are made.


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 39

Surrender charge under RAVA Select Plus (except Texas):

For purposes of calculating any surrender charge under RAVA Select Plus, we treat amounts surrendered from your contract value in the following order:


1.	First, we surrender the TFA. We do not assess a surrender charge on the TFA.

2.	Next, if necessary, we surrender purchase payments. We do assess a surrender charge on these payments during the first three contract years as follows:


Contract year	Surrender charge percentage

1		7	%

2		7

3		7

Thereafter		0

Surrender charge under RAVA Select Plus in Texas:

For purposes of calculating any surrender charge under RAVA Select Plus in Texas, we treat amounts surrendered from your contract value in the following order:


1.	First, we surrender the TFA. We do not assess a surrender charge on the TFA.

2.	Next, if necessary, we surrender purchase payments. We surrender amounts from the oldest purchase payments first. We do assess a surrender charge on these payments during the first three contract years as follows:


			Surrender charge percentage
			(as a percentage of purchase payments surrendered)
			in contract year
Payments made in contract year			1			2			3			Thereafter


	1			8	%		7	%		6	%		0	%

	2						8			7			0

	3									8			0

		Thereafter											0

Partial surrenders:

For an example, see Appendix B.

Surrender charge under Annuity Payout Plan E — Payouts for a specified period: Under this annuity payout plan, you can choose to take a surrender. The amount that you can surrender is the present value of any remaining variable payouts. The discount rate we use in the calculation will be 5.17% if the assumed investment rate is 3.5% and 6.67% if the assumed investment rate is 5%. The surrender charge equals the present value of the remaining payouts using the assumed investment rate minus the present value of the remaining payouts using the discount rate.

Waiver of surrender charges

We do not assess surrender charges for:


•	surrenders of any contract earnings;

•	surrenders of amounts totaling up to 10% of the contract value on the prior contract anniversary to the extent it exceeds contract earnings;

•	if you elected the Withdrawal Benefit rider, your contract’s Remaining Benefit Payment to the extent it exceeds the greater of contract earnings or 10% of the contract value on the prior contract anniversary;

•	amounts surrendered after the tenth contract anniversary in Alabama, Massachusetts, Washington and Oregon;

•	to the extent that they exceed the greater of contract earnings or 10% of the contract value on the prior contract anniversary, required minimum distributions from a qualified annuity. The amount on which surrender charges are waived can be no greater than the RMD amount calculated under your specific contract currently in force;

•	contracts settled using an annuity payout plan*, unless an Annuity Payout Plan E is later surrendered;

•	amounts we refund to you during the free look period*;

•	death benefits*;

•	surrenders you make under your contract’s “Waiver of Surrender Charges for Hospital or Nursing Home Confinement” provision*. To the extent permitted by state law, this provision applies when you are under age 76 on the date that we issue

40 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS


		the contract. Under this provision, we will waive surrender charges that we normally assess upon full or partial surrender. You must provide proof satisfactory to us that, as of the date you request the surrender, you are or your spouse is confined to a nursing home or hospital and have been for 60 straight days and the confinement began after the contract date. (See your contract for additional conditions and restrictions on this waiver.); and

•

surrenders you make under your contract’s “Waiver of Surrender Charges for Terminal Illness Disability Diagnosis” provision.* To the extent permitted by state law, this provision applies when you are under age 76 on the date we issue the contract. Under this provision, we will waive surrender charges that we normally assess for surrenders you make if you are diagnosed after the contract date as disabled with a medical condition that with reasonable medical certainty will result in death within 12 months or less from the date of a licensed physician’s statement. You must provide us with a licensed physician’s statement containing the terminal illness diagnosis and the date the terminal illness was initially diagnosed. (See your contract for additional conditions and restrictions on this waiver.)


*		However, we will reverse certain purchase payment credits. (See “Buying your contract — Purchase payment credits.”)

Possible group reductions: In some cases we may incur lower sales and administrative expenses due to the size of the group, the average contribution and the use of group enrollment procedures. In such cases, we may be able to reduce or eliminate certain charges such as the contract administrative and surrender charges. However, we expect this to occur infrequently.

ACCUMULATION BENEFIT RIDER FEE

We deduct an annual charge from your current value for this optional benefit only if you select it. The charge is calculated by multiplying the annual rider fee by the greater of your contract value or the minimum contract accumulation value. See table below for the applicable percentage.

We prorate this fee among the subaccounts and the fixed account (if applicable) in the same proportion as your interest in each bears to your total contract value, less any amounts invested in the Special DCA account. Such fee is only deducted from any Special DCA account if insufficient amounts are available in the fixed account and the subaccounts. The fee will only be deducted from the subaccounts in Washington. We will modify this prorated approach to comply with state regulations where necessary.

Once you elect the Accumulation Benefit rider, you may not cancel it and the charge will continue to be deducted through the end of the waiting period or when annuity payouts begin. If the contract is terminated for any reason or when annuity payouts begin, we will deduct the fee, adjusted for the number of calendar days coverage was in place since we last deducted the charge.

The Accumulation Benefit rider fee will not exceed a maximum fee of 2.50%.

We may change the rider fee at our discretion and on a nondiscriminatory basis.

We will not change the Accumulation Benefit rider fee in effect on your contract after the rider effective date unless:

(a) you choose the annual elective step up or elective spousal continuation step up after we have exercised our rights to increase the rider fee; or

(b) you change your PN program investment option after we have exercised our rights to increase the rider fee or vary the rider fee for each PN program investment option.

We exercised our right to increase the rider fee upon elective step up or elective spousal continuation step up and vary the fee depending on whether your contract value is invested in one of the Portfolio Navigator or Portfolio Stabilizer funds at the time of the elective step up or spousal continuation step up. You will pay the fee that is in effect on the valuation date we receive your written request to step up. Currently, we waive our right to increase the fee for investment option changes. There is no assurance that we will not exercise our right in the future.

If you request an elective step up or the elective spousal continuation step up on or after Nov. 18, 2013, the fee that will apply to your rider will correspond to the fund in which you are invested at that time, as shown in the table below.


Initial annual rider fee and	Current annual rider fee for elective step ups			Current annual rider fee for elective step ups
Current annual rider fee	on or after 10/20/12 if invested			on or after 11/18/13 if invested
for elective step ups	in a Portfolio Navigator fund			in a Portfolio Stabilizer fund
before 10/20/12	at the time of step up			at the time of step up


0.60%		1.75	%		1.30	%


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 41

If your annual rider fee changes during the contract year, on the next contract anniversary we will calculate an average rider fee that reflects the various different fees that were in effect that year, adjusted for the number of calendar days each fee was in effect.

Subject to the terms of your contract, we reserve the right to further increase the rider fees to the maximum limit provided by your rider and to vary the rider fees based on the fund you select.

The automatic step up option available under your rider will not impact your rider fee.

Please see the “Optional Living Benefits — Accumulation Benefit Rider” section for a full description and rules applicable to elective and automatic step up options under your rider.

The charge does not apply after the annuity payouts begin.

WITHDRAWAL BENEFIT RIDER FEE

We charge a fee for this optional feature only if you select it. The initial annual rider fee is 0.60%. The charge is calculated by multiplying the annual rider fee by your contract value on your contract anniversary. We prorate this fee among the subaccounts and the fixed account (if applicable) in the same proportion as your interest in each bears to your total contract value, less any amounts invested in the GPAs and in the Special DCA account. Such fee is only deducted from GPAs and any Special DCA account if insufficient amounts are available in the fixed account and the subaccounts. The fee will only be deducted from the subaccounts in Washington. We will modify this prorated approach to comply with state regulations where necessary.

Once you elect the Withdrawal Benefit, you may not cancel it and the fee will continue to be deducted until the contract is terminated or annuity payouts begin. If the contract is terminated for any reason or when annuity payouts begin, we will deduct the Withdrawal Benefit fee, adjusted for the number of calendar days coverage was in place since we last deducted the fee. If the Remaining Benefit Amount (RBA) goes to zero but the contract value has not been depleted, you will continue to be charged.

The Withdrawal Benefit rider fee will not exceed a maximum of 2.50%.

We may increase the rider fee at our discretion and on a nondiscriminatory basis. However, any change to the rider fee will only apply to existing contract owners if:

(a) you choose the annual elective step up or elective spousal continuation step up after we have exercised our rights to increase the rider fee;

(b) you change your PN program investment option after we have exercised our rights to increase the rider fee and/or vary the rider fee for each PN program investment option.

Effective Dec. 18, 2013, we exercised our right to increase the rider fee and vary the fee depending on the fund to which your contract value is invested. Beginning Dec. 18, 2013, if you:


	•	request an elective step up or the elective spousal continuation step up, or


	•	move to a Portfolio Navigator fund that is more aggressive than the Portfolio Navigator fund you are currently allocated to,

the fee that will apply to your rider will correspond to the fund in which you are currently invested as shown in the table below.

If you move to a Portfolio Navigator fund that is less aggressive than the Portfolio Navigator fund you are currently allocated to, your fee will not increase and may decrease according to the table below.


				Current rider fee
Fund name	Initial annual rider fee			as of 12/18/13


Portfolio Stabilizer funds		0.60	%		0.60	%

Portfolio Navigator funds:

Variable Portfolio – Conservative Portfolio (Class 2), (Class 4)		0.60	%		0.60	%

Variable Portfolio – Moderately Conservative Portfolio (Class 2), (Class 4)		0.60	%		0.60	%

Variable Portfolio – Moderate Portfolio (Class 2), (Class 4)		0.60	%		0.60	%

Variable Portfolio – Moderately Aggressive Portfolio (Class 2), (Class 4)		0.60	%		0.90	%

Variable Portfolio – Aggressive Portfolio (Class 2), (Class 4)		0.60	%		1.05	%

On your next contract anniversary, if your contract value is allocated to a fund subject to a fee increase, you will have 30 days following the anniversary to choose from the following:


	1.	Remain invested in your current Portfolio Navigator fund and elect to step up (when available) and lock in your contract gains. If you make this decision, your rider fee will increase.

42 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS


	2.	Move to one of the Portfolio Stabilizer funds. If you do this, your rider fee will not increase, but remember that you will lose your access to invest in the Portfolio Navigator funds.


	3.	Do not elect a step up, if eligible. You will not lock in contract gains, but your rider fee will stay the same.

For the enhanced rider, if during the 30 days following your contract anniversary, your contract value is allocated to a fund subject to a fee increase, we will automatically process any available step up and lock in any contract gains, as well as reactivate automatic step ups, when contract value is transferred:


	1.	to a Portfolio Stabilizer fund;


	2.	to a less aggressive Portfolio Navigator fund that is not subject to a fee increase, if applicable; or


	3.	to a more aggressive Portfolio Navigator fund.

For original riders, you must always elect to step up your rider values. The step up and lock in of any contract gains will occur as of the date of the transfer or withdrawal described above.

Rider fees may increase or decrease as you move to various funds. Your fee will increase if you transfer your contract value to a more aggressive Portfolio Navigator fund with a higher fee. If you transfer to a less aggressive Portfolio Navigator fund or transfer to a Portfolio Stabilizer fund, your fee may decrease. Certain rider fees may not change depending on the fund in which your contract value is allocated.

We will notify you in writing about your opportunity to elect to step up (if eligible) and incur the higher rider fee or maintain your guaranteed amount at its current level and keep your rider fee the same. For original riders or enhanced rider subject to a fee increase, you will receive a letter from us approximately 30 days before your next annuity contract anniversary. This letter will describe the potential opportunity to elect a step up to increase your guaranteed income and how to make the election if eligible. You will have a 30 day period beginning on your next contract anniversary to choose whether to step up and accept the fee increase. For enhanced riders and original riders with contracts purchased on or after 4/29/2005 and if approved in your state, the step up and new fee will be effective on the date we receive your request for the step up (Step up date). For original riders with contracts purchased before 4/29/2005, the step up will be effective as of your contract anniversary and the fee for your rider will be the fee that was in effect for your current fund on the anniversary. For purposes of determining the duration of the “30 day window” following your contract anniversary to elect to step up or to transfer funds to lock in any available contract gains, the following will apply:


	1.	the duration of your window is determined on a calendar day basis;


	2.	under our current administrative process we will accept your request on the 31^st calendar day if we receive it prior to the close of the NYSE; and


	3.	if your window ends on a day the NYSE is closed, we must receive your request no later than the close of the NYSE on the preceding Valuation Date.

Under the enhanced rider, each year, we will continue to provide you written notice of your options with respect to elective step ups and the fee increase until you are no longer subject to a fee increase. Once you have taken action that results in a higher fee, you will become eligible for automatic step ups under the rider.

Before you elect a step up resulting in an increased rider fee, you should carefully consider the benefit of the contract value gains you are locking-in and the increased rider fee compared to your other options including whether it is appropriate to consider moving to a fund with a lower corresponding rider fee.

Subject to the terms of your contract, we reserve the right to further increase the rider fee up to the maximum limit provided by your rider. Currently, the rider fee does not vary among the Portfolio Stabilizer funds, but we reserve the right to vary the fees among the Portfolio Stabilizer funds in the future.

If you choose the elective step up, the elective spousal continuation step up, or change your investment option after we have exercised our rights to increase the rider fee as described above, you will pay the fee that is in effect on the effective date of your step up or investment option change. On the next contract anniversary, we will calculate an average fee, for the preceding contract year only, that reflects the various different charges that were in effect that year, adjusted for the number of calendar days each fee was in effect.

The charge does not apply after the annuitization start date.

For an example of how your fee will vary upon elective step up or spousal continuation step up, please see Appendix D.

ROPP RIDER FEE

We charge a fee for this optional feature only if you select it.⁽¹⁾ If selected, we deduct an annual charge of 0.20% of your contract value on your contract anniversary at the end of each contract year. We prorate this charge among the subaccounts and fixed account in the same proportion your interest in each account bears to your total contract value, less amounts


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 43

invested in the GPAs and the Special DCA account. Such charge is only deducted from GPAs and any Special DCA account if insufficient amounts are available in the fixed account and the subaccounts. In this case, we prorate the charge among all accounts in the same proportion your interest in each account bears to your total contract value. We reserve the right to increase the fee for this rider after the tenth rider anniversary to a maximum of 0.30%.

If the contract is terminated for any reason, we will deduct the charge from your contract value at that time, adjusted for the number of calendar days coverage was in effect during the year.


⁽¹⁾		Available if you are 76 or older at the rider effective date. ROPP is included in the standard death benefit if you are age 75 or younger on the contract effective date at no additional cost.

MAV RIDER FEE

We charge a fee for this optional feature only if you select it.⁽²⁾ If selected, we deduct an annual charge of 0.25% of your contract value on your contract anniversary at the end of each contract year. We prorate this charge among the subaccounts and fixed account in the same proportion your interest in each account bears to your total contract value, less amounts invested in the GPAs and the Special DCA account. Such charge is only deducted from GPAs and any Special DCA account if insufficient amounts are available in the fixed account and the subaccounts. In this case, we prorate the charge among all accounts in the same proportion your interest in each account bears to your total contract value. We reserve the right to increase the fee for this rider after the tenth rider anniversary to a maximum of 0.35%.

If the contract is terminated for any reason, we will deduct the charge from your contract value at that time, adjusted for the number of calendar days coverage was in effect during the year.


⁽²⁾		Available if you are 75 or younger at the rider effective date. Not available with 5-Year MAV.

5-YEAR MAV RIDER FEE

We charge a fee for this optional feature only if you select it.⁽³⁾ If selected, we deduct an annual charge of 0.10% of your contract value on your contract anniversary at the end of each contract year. We prorate this charge among the subaccounts and fixed account in the same proportion your interest in each account bears to your total contract value, less amounts invested in the GPAs and the Special DCA account. Such charge is only deducted from GPAs and any Special DCA account if insufficient amounts are available in the fixed account and the subaccounts. In this case, we prorate the fee among all accounts in the same proportion your interest in each account bears to your total contract value. We reserve the right to increase the fee for this rider after the tenth rider anniversary to a maximum of 0.20%.

If the contract is terminated for any reason, we will deduct the charge from your contract value at that time, adjusted for the number of calendar days coverage was in effect during the year.


⁽³⁾		Available if you are 75 or younger at the rider effective date. Not available with MAV.

EEB RIDER FEE

We charge a fee for this optional feature only if you select it.⁽⁴⁾ If selected, we deduct an annual charge of 0.30% of your contract value on your contract anniversary at the end of each contract year. We prorate this charge among the subaccounts and fixed accounts in the same proportion your interest in each account bears to your total contract value, less amounts invested in the GPAs and the Special DCA account. Such charge is only deducted from GPAs and any Special DCA account if insufficient amounts are available in the fixed account and the subaccounts. In this case, we prorate the charge among all accounts in the same proportion your interest in each account bears to your total contract value. We reserve the right to increase the fee for this rider after the tenth rider anniversary to a maximum of 0.40%.

If the contract is terminated for any reason, we will deduct the charge from your contract value at that time, adjusted for the number of calendar days coverage was in effect during the year.


⁽⁴⁾		Available if you are 75 or younger at the rider effective date. Not available with EEP. May not be available in all states.

EEP RIDER FEE

We charge a fee for this optional feature only if you select it.⁽⁵⁾ If selected, we deduct an annual charge of 0.40% of your contract value on your contract anniversary at the end of each contract year. We prorate this charge among the subaccounts and fixed accounts in the same proportion your interest in each account bears to your total contract value, less amounts invested in the GPAs and the Special DCA account. Such charge is only deducted from GPAs and any Special DCA account if insufficient amounts are available in the fixed account and the subaccounts. In this case, we prorate the charge among all accounts in the same proportion your interest in each account bears to your total contract value. We reserve the right to increase the fee for this rider after the tenth rider anniversary to a maximum of 0.50%.

If the contract is terminated for any reason, we will deduct the charge from your contract value at that time, adjusted for the number of calendar days coverage was in effect during the year.


⁽⁵⁾		Available if you are 75 or younger at the rider effective date. Not available with EEB. May not be available in all states. EEP is only available on contracts purchased through a direct transfer or exchange of another annuity or a life insurance policy.

44 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS

RIDER COMBINATION DISCOUNT

A fee discount of 0.05% applies if you purchase 5-Year MAV with either EEB or EEP. A fee discount of 0.10% applies if you purchase MAV with either EEB or EEP.

PN RIDER FEE

FUND FEES AND EXPENSES

There are deductions from and expenses paid out of the assets of the funds that are described in the prospectuses for those funds. (see “Annual Operating Expenses of the Funds”).

PREMIUM TAXES

Valuing Your Investment

We value your accounts as follows:

GPA

We value the amounts you allocate to the GPA directly in dollars. The GPA value equals:


•	the sum of your purchase payments and purchase payment credits allocated to the GPA;

•	plus any amounts transferred to the GPA from the fixed account or subaccounts;

•	plus interest credited;

•	minus any amounts transferred from the GPA to the fixed account or any subaccount;

•	minus any amounts deducted for charges or surrenders; and/or

•	minus any remaining portion of fees where the values of the fixed account and the subaccounts are insufficient to cover those fees.

FIXED ACCOUNT

We value the amounts you allocate to the fixed account directly in dollars. The fixed account value equals:


•	the sum of your purchase payments and purchase payment credits and transfer amounts allocated to the fixed account;

•	plus interest credited;

•	minus the sum of amounts surrendered (including any applicable surrender charges) and amounts transferred out (including any positive or negative MVA on amounts transferred from the GPAs);

•	minus any prorated portion of the contract administrative charge;

•	minus any prorated portion of the ROPP rider fee (if selected);

•	minus any prorated portion of the MAV rider fee (if selected);

•	minus any prorated portion of the 5-Year MAV rider fee (if selected);

•	minus any prorated portion of the EEB rider fee (if selected);

•	minus any prorated portion of the EEP rider fee (if selected);

•	minus any prorated portion of the Accumulation Benefit rider fee (if selected)*; and

•	minus any prorated portion of the Withdrawal Benefit rider fee (if selected)*.


*		The fee can only be deducted from the subaccounts in Washington.

SPECIAL DCA ACCOUNT

We value the amounts you allocate to the Special DCA account directly in dollars. The Special DCA account value equals:


•	the sum of your purchase payments and purchase payment credits allocated to the Special DCA account;

•	plus interest credited;

•	minus the sum of amounts surrendered (including any applicable surrender charges);

•	minus amounts transferred out; and

•	minus any remaining portion of fees where the values of the fixed account and the subaccounts are insufficient to cover those fees.


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 45

SUBACCOUNTS

We convert amounts you allocated to the subaccounts into accumulation units. Each time you make a purchase payment or transfer amounts into one of the subaccounts or we apply any purchase payment credits to a subaccount, we credit a certain number of accumulation units to your contract for that subaccount. Conversely, we subtract a certain number of accumulation units from your contract each time you take a partial surrender, transfer amounts out of a subaccount, or we assess a contract administrative charge, a surrender charge or charge for any optional riders with annual charges (if applicable).

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 accrued income or capital gain dividends to obtain a current adjusted net asset value per share; then

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

•	subtracting the percentage factor representing the mortality and expense risk fee from the result.

Because the net asset value of the fund may fluctuate, the accumulation unit value may increase or decrease. You bear all the investment risk in a subaccount.

Factors that affect subaccount accumulation units: accumulation units may change in two ways — in number and in value.

The number of accumulation units you own may fluctuate due to:


•	additional purchase payments you allocate to the subaccounts;

•	any purchase payment credits allocated to the subaccounts;

•	transfers into or out of the subaccounts (including any positive or negative MVA on amounts transferred from the GPAs);

•	partial surrenders;

•	surrender charges;

and a deduction of:


•	a prorated portion of the contract administrative charge;

•	a prorated portion of the ROPP rider charge (if selected);

•	a prorated portion of the MAV rider charge (if selected);

•	a prorated portion of the 5-Year MAV rider charge (if selected);

•	a prorated portion of the EEB rider charge (if selected);

•	a prorated portion of the EEP rider charge (if selected);

•	a prorated portion of the Accumulation Benefit rider charge (if selected); and/or

•	a prorated portion of the Withdrawal Benefit rider charge (if selected).

Accumulation unit values will fluctuate due to:


•	changes in fund net asset value;

•	fund dividends distributed to the subaccounts;

•	fund capital gains or losses;

•	fund operating expenses; and/or

•	mortality and expense risk fees.

46 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS

Making the Most of Your Contract

AUTOMATED DOLLAR-COST AVERAGING

Currently, you can use automated transfers to take advantage of dollar-cost averaging (investing a fixed amount at regular intervals). Automated transfers from the fixed account to the subaccounts under automated dollar-cost averaging may not exceed an amount that, if continued, would deplete the fixed account within 12 months. For example, you might transfer a set amount monthly from a relatively conservative subaccount to a more aggressive one, or to several others, or from the fixed account to one or more subaccounts. You may not set up an automated transfer to or from the GPAs. You may not set up an automated transfer to the fixed account or the Special DCA account. You may not set up an automated transfer if the Withdrawal Benefit, Accumulation Benefit or PN program is in effect. There is no charge for dollar-cost averaging.

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

How dollar-cost averaging works


								Number
				Amount		Accumulation		of units
By investing an equal number of dollars each month ...		Month		invested		unit value		purchased


			Jan	$	100	$	20		5.00

			Feb		100		18		5.56

you automatically buy			Mar		100		17		5.88
more units when the	è		Apr		100		15		6.67

per unit market price is low ...			May		100		16		6.25

			June		100		18		5.56

			July		100		17		5.88

and fewer units			Aug		100		19		5.26
when the per unit	è		Sept		100		21		4.76

market price is high.			Oct		100		20		5.00

You paid an average price of $17.91 per unit over the 10 months, while the average market price actually was $18.10.

SPECIAL DOLLAR-COST AVERAGING (SPECIAL DCA) PROGRAM

If your purchase payment is at least $10,000, you can choose to participate in the Special DCA program (if available). There is no charge for the Special DCA program. Under the Special DCA program, you can allocate a new purchase payment and any applicable purchase payment credit to a six-month Special DCA account according to the following rules:


•	You may only allocate a new purchase payment of at least $10,000 to a Special DCA account.

•	You cannot transfer existing contract values into a Special DCA account.

•	Each Special DCA arrangement consists of six monthly transfers that begin seven days after we receive your purchase payment.

•	We make monthly transfers of your Special DCA account value into the subaccounts you select.

•	You may not use the fixed account, GPA account or the Special DCA account as a destination for the Special DCA monthly transfer. (Exception: if the PN program is in effect and the PN program model portfolio you have selected, if applicable, includes the fixed account, amounts will be transferred from the Special DCA account to the fixed account according to the allocation percentage established for the PN program model portfolio you have selected.)

•	We will change the interest rate on each Special DCA account from time to time at our discretion based on factors that include the competition and the interest rate we are crediting to the fixed account at the time of the change. From time to time, we may credit interest to the Special DCA account at promotional rates that are higher than those we credit to the regular fixed account.

•	We credit each Special DCA account with the current guaranteed annual rate that is in effect on the date we receive your purchase payment. However, we credit this annual rate over the length of the Special DCA arrangement on the balance remaining in your Special DCA account. Therefore, the net effective interest rate you receive is less than the stated annual rate.


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 47


•	We do not credit this interest after we transfer the value out of the Special DCA account into the accounts you selected.

•	Once you establish a Special DCA account, you cannot allocate additional purchase payments to it. However, you may establish another new Special DCA account (if available on the valuation date we receive your payment) and allocate new purchase payments to it.

•	Funding from multiple sources is treated as individual purchase payments and a new Special DCA account is opened for each payment (if the Special DCA accounts are available on the valuation date we receive your payment).

•	You may terminate your participation in the Special DCA program at any time. If you do, we will transfer the remaining balance from your Special DCA account to the fixed account. Interest will be credited according to the rates in effect on the fixed account and not the rate that was in effect on the Special DCA account. (Exception: if the PN program is in effect when you elect to end your participation in the Special DCA program, we will transfer the remaining balance to the PN program investment option you have selected).

•	We can modify the terms or discontinue the Special DCA program at any time. Any modifications will not affect any purchase payments that are already in a Special DCA account. For more information on the Special DCA program, contact your financial advisor.

The Special DCA program does not guarantee that any subaccount will gain in value nor will it protect against a decline in value if market prices fall. Because dollar-cost averaging involves continuous investing, your success 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.

ASSET REBALANCING

You can ask us in writing to have the variable subaccount portion of your contract value allocated according to the percentages (in tenth of a percent amounts) that you choose. We automatically will rebalance the variable subaccount portion of your contract value either quarterly, semi-annually, or annually. The period you select will start to run on the date we record your request. On the first valuation date of each of these periods, we automatically will rebalance your contract value so that the value in each subaccount matches your current subaccount percentage allocations. These percentage allocations must be more than one digit past the decimal numbers. Asset rebalancing does not apply to the GPAs, fixed account or the Special DCA account. There is no charge for asset rebalancing. The contract value must be at least $2,000.

Different rules apply to asset rebalancing under an asset allocation program (see “Asset Allocation Program” and “Portfolio Navigator Program and Portfolio Stabilizer Funds” below).

ASSET ALLOCATION PROGRAM

(For contracts purchased prior to Nov. 1, 2005)

For contracts purchased before Nov. 1, 2005, we offered an asset allocation program. You could elect to participate in the asset allocation program and there was no additional charge. If you purchased an optional Withdrawal Benefit rider, you were required to participate in the asset allocation program under the terms of the rider. The asset allocation program described in this section has been replaced with the PN program for all contracts. The following describes the program that existed prior to Nov. 1, 2005.

This asset allocation program allows you to allocate your contract value to a model portfolio that consists of subaccounts and may include the fixed account and certain GPAs, (if available under the asset allocation program) which represent various asset classes. By spreading your contract value among these various asset classes, you may be able to reduce the volatility in your contract value, but there is no guarantee that this will occur.

Asset allocation does not guarantee that your contract will increase in value nor will it protect against a decline in value if market prices fall. You are responsible for determining which model portfolio is best for you. Your sales representative can help you make this determination. In addition, your financial advisor may provide you with a questionnaire, a tool that can help you determine which model portfolio is suited to your needs based on factors such as your investment goals, your tolerance for risk, and how long you intend to invest.

Currently, there are five model portfolios ranging from conservative to aggressive. You may not use more than one model portfolio at a time. You are allowed to request a change to another model portfolio twice per contract year. Each model portfolio specifies allocation percentages to each of the subaccounts, the fixed account and/or any GPAs that make up that model portfolio. By participating in the program, you authorize us to invest your contract value in the subaccounts, the fixed account and/or any GPAs (if included) according to the allocation percentages stated for the specific model portfolio you have

48 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS

selected. You also authorize us to automatically rebalance your contract value quarterly in order to maintain alignment with the allocation percentages specified in the model portfolio.

Special rules will apply to the GPAs if they are included in a model portfolio. Under these rules:


•	no MVA will apply when rebalancing occurs within a specific model portfolio (but an MVA will apply if you elect to transfer to a new model portfolio);

•	no MVA will apply if you reallocate your contract value according to an updated model portfolio; and

•	no MVA will apply when you elect an annuity payout plan while your contract value is invested in a model portfolio (see “Guarantee Period Accounts — Market Value Adjustment”).

If you initially allocate qualifying purchase payments and applicable purchase payment credits to the Special DCA account, when available, (see “The Special DCA Account”) and you are participating in the asset allocation program, we will make monthly transfers from the Special DCA account into the model portfolio you have chosen.

You may not discontinue your participation in the asset allocation program; however, you have the right at all times to make a full surrender of your contract value (see “Surrenders”).

Because the Withdrawal Benefit rider requires that your contract value be invested in one of the model portfolios for the life of the contract, and you cannot terminate the Withdrawal Benefit rider once you have selected it, you must terminate your contract by requesting a full surrender if you no longer wish to participate in any of the model portfolios. Surrender charges and tax penalties may apply. Therefore, you should not select the Withdrawal Benefit rider if you do not intend to continue participating in one of the model portfolios for the life of the contract.

Under the asset allocation program, the subaccounts, the fixed account and/or any GPAs (if included) that make up the model portfolio you selected and the allocation percentages to those subaccounts, the fixed account and/or any GPAs (if included) will not change unless we adjust the composition of the model portfolio to reflect the liquidation, substitution or merger of an underlying fund, a change of investment objective by an underlying fund or when an underlying fund stops selling its shares to the variable account. We reserve the right to change the terms and conditions of the asset allocation program upon written notice to you.

If permitted under applicable securities law, we reserve the right to:


•	reallocate your current model portfolio to an updated version of your current model portfolio; or

•	substitute a fund of funds for your current model portfolio.

We also reserve the right to discontinue the asset allocation program. We will give you 30 days’ written notice of any such change.

PORTFOLIO NAVIGATOR PROGRAM (PN PROGRAM) AND PORTFOLIO STABILIZER FUNDS

Under the PN program for living benefit riders, your contract value is allocated to a PN program investment option (except as described in the next paragraph). The PN program investment options are currently five funds of funds, each of which invests in underlying funds in proportions that vary among the funds of funds in light of each fund of funds’ investment objective (“Portfolio Navigator funds”). The PN program is available for both nonqualified and qualified annuities.

You are required to participate in the PN program if your contract includes optional living benefit riders. Prior to November 18, 2013, the program contained Portfolio Navigator funds and the PN model portfolios. If your contract does not include one of these riders, you may not participate in the PN program; but you may choose to allocate your contract value to one or more of the funds of funds investment options without being in the PN program. You should review any PN program information, including the prospectus for the funds of funds, carefully. Your financial advisor can provide you with additional information and can answer questions you may have on the PN program.

Beginning November 18, 2013, if you have selected one of the optional living benefit riders, as an alternative to the Portfolio Navigator funds in the PN program, we have made available to you four new funds, known as Portfolio Stabilizer funds as described in the “Portfolio Stabilizer funds” section below. You may choose to remain invested in your current Portfolio Navigator fund, move to a different Portfolio Navigator fund, or move to a Portfolio Stabilizer fund. Your decision should be made based on your own individual investment objectives and financial situation, and in consultation with your financial adviser.


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 49

Please note that if you are currently invested in a Portfolio Navigator fund and choose to reallocate your contract value to a Portfolio Stabilizer fund, you will no longer have access to any of the Portfolio Navigator funds, but you may change to any one of the other Portfolio Stabilizer funds, subject to the transfer limits applicable to your rider.

The Portfolio Stabilizer funds. Beginning November 18, 2013, if you have selected the Withdrawal Benefit rider or Accumulation Benefit rider, the following Portfolio Stabilizer funds will be available to you:

1. Columbia Variable Portfolio – Managed Volatility Conservative Fund (Class 2)

2. Columbia Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2)

3. Columbia Variable Portfolio – Managed Volatility Moderate Growth Fund (Class 2)

4. Columbia Variable Portfolio – Managed Volatility Growth Fund (Class 2)

Each Portfolio Stabilizer fund has an investment objective of pursuing total return while seeking to manage the Fund’s exposure to equity market volatility. The Portfolio Stabilizer funds are diversified funds that, under normal market conditions, pursue their investment objectives by allocating the Funds’ assets across equity and fixed income/debt asset classes while targeting a particular level of effective equity exposure that varies based on volatility in the equity market. The Portfolio Stabilizer funds invest in a mix of affiliated and unaffiliated mutual funds and, in seeking to manage equity market volatility, employ a tactical allocation strategy of utilizing:


•	derivative transactions (such as credit default swap indexes, futures, swaps, forward rate agreements and options);


•	direct investments in exchange-traded funds (ETFs); and


•	direct investments in fixed-income or debt securities (such as investment grade corporate bonds, high yield (i.e., junk) instruments, sovereign debt, U.S. Government bonds and notes, Treasury inflation-protected securities (TIPS), mortgage- and asset-backed securities and international bonds, each with varying interest rates, terms, durations and credit exposures and dollar rolls).

The investments described above as part of the tactical allocation strategy are primarily utilized to adjust (increase or reduce) the Portfolio Stabilizer funds’ exposure to different asset classes and various segments within these asset classes. In general, when Columbia Management, the Funds’ investment manager, determines that equity market volatility is relatively low, it may increase the Fund’s effective equity market exposure and decrease the Funds’ effective fixed income/debt exposure. Conversely, if it determines that volatility in the equity market is relatively high, it may reduce (or, in certain extreme cases, eliminate entirely) the Fund’s effective equity market exposure and, correspondingly, increase the Fund’s effective fixed income/debt exposure.

Changes to underlying fund selections and allocations may be driven by various factors, including the risks and benefits of investing in a particular underlying fund as a means of achieving total return. Some of the underlying funds are managed on a day-to-day basis directly by Columbia Management and some are managed by one or more affiliated or unaffiliated sub-advisers, subject to the oversight of Columbia Management and the Funds’ board of trustees.

Columbia Management considers the independent analysis of Morningstar Associates, LLC (Morningstar) with respect to the performance of the underlying funds, the types of investment categories represented by the underlying funds, and the consideration of additional asset classes, or segments within these classes represented by the underlying funds. Columbia Management retains full discretion over the Portfolio Stabilizer funds’ investment activities. Neither Columbia Management nor Morningstar serves as your investment adviser as to the allocation of your contract value to the Portfolio Stabilizer funds.

For additional information about the Portfolio Stabilizer funds’ investment strategies, see the Funds’ prospectuses.

Below are the target asset allocation ranges (between the relevant asset classes) for each of the Portfolio Navigator funds:


1.	Variable Portfolio – Aggressive Portfolio: 70-85% Equity / 10-25% Fixed Income / 0-5% Cash/Cash Equivalents / 0-10% Alternative Strategies

50 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS


2.	Variable Portfolio – Moderately Aggressive Portfolio: 55-70% Equity / 25-40% Fixed Income / 0-5% Cash/Cash Equivalents / 0-10% Alternative Strategies


3.	Variable Portfolio – Moderate Portfolio: 40-55% Equity / 40-55% Fixed Income / 0-5% Cash/Cash Equivalents / 0-10% Alternative Strategies


4.	Variable Portfolio – Moderately Conservative Portfolio: 25-40% Equity / 50-65% Fixed Income / 0-10% Cash/Cash Equivalents / 0-10% Alternative Strategies


5.	Variable Portfolio – Conservative Portfolio: 10-25% Equity / 60-75% Fixed Income / 5-15% Cash/Cash Equivalents / 0-10% Alternative Strategies

In managing the Portfolio Navigator funds, Columbia Management considers the independent analysis of Morningstar, an independent investment consultant, on a broad range of aspects relating to the management of the Funds, including but not limited to the performance of the underlying funds. Columbia Management retains full discretion over the Portfolio Navigator funds’ investment activities. Neither Columbia Management nor Morningstar serves as your investment adviser as to the allocation of your contract value to a Portfolio Navigator fund.

For additional information about the Portfolio Navigator funds’ investment strategies, see the Funds’ prospectus.

Investing in the Portfolio Stabilizer Funds and the Portfolio Navigator Funds. You are responsible for determining which investment option is best for you. Currently, there are five Portfolio Navigator funds (and under the previous PN program, five static model portfolios investment options), with risk profiles ranging from conservative to aggressive in relation to one another. There are four Portfolio Stabilizer funds currently available. You may not use more than one Portfolio Stabilizer or Portfolio Navigator fund at a time. If your contract does not have a living benefit rider, you may invest in more than one Portfolio Navigator fund. Your investment professional can help you determine which investment option most closely matches your investing style, based on factors such as your investment goals, your tolerance for risk and how long you intend to invest. There is no guarantee that the investment option you select is appropriate for you based on your investment objectives and/or risk profile. We and Columbia Management are not responsible for your decision to select a certain investment option or your decision to transfer to a different investment option.

If you initially allocate qualifying purchase payments to the Special DCA fixed account, when available (see “The Special DCA Fixed Account”), and you are invested in one of the Portfolio Stabilizer or Portfolio Navigator funds, we will make monthly transfers in accordance with your instructions from the Special DCA fixed account into the investment option or model portfolio you have chosen.

Before you decide to transfer contract value to one of the Portfolio Stabilizer funds, you and your financial advisor should carefully consider the following:


•	Whether the Portfolio Stabilizer fund meets your personal investment objectives and/or risk tolerance.

•

Whether you would like to continue to invest in a Portfolio Navigator fund. If you decide to transfer your contract value to a Portfolio Stabilizer fund, you permanently lose your ability to invest in any of the Portfolio Navigator funds. If you decide to no longer invest your contract value in the Portfolio Stabilizer funds, your only option will be to terminate your contract by requesting a full surrender. Surrender charges and tax penalties may apply.


•	Whether the total expenses associated with an investment in a Portfolio Stabilizer fund is appropriate for you. For total expenses associated with the rider, you should consider not only the variation of the rider fee, but also the variation in fees


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 51


	among the various funds. You should also consider your overall investment objective, as well as how total fees and your selected fund’s investment objective may impact the amount of any step up opportunities in the future.

Substitution and modification. We reserve the right to add, remove or substitute funds. We also reserve the right, upon notification to you, to close or restrict any fund. Any change will apply to current allocations and/or to future payments and transfers. If your living benefit rider is terminated, you may remain invested in the Portfolio Stabilizer funds, but you will not be allowed to allocate future purchase payments or make transfers to these funds. Any substitution of funds may be subject to Securities and Exchange Commission approval.

We reserve the right to change the terms and conditions of the PN program or to change the availability of the investment options upon written notice to you. This includes but is not limited to the right to:


•	limit your choice of investment options based on the amount of your initial purchase payment;


•	cancel required participation in the program after 30 days written notice;


•	substitute a fund of funds for your model portfolio, if applicable, if permitted under applicable securities law; and


•	discontinue the PN program after 30 days written notice.

Risks and conflicts of interests associated with the Portfolio Navigator funds, Portfolio Stabilizer funds and PN program static model portfolios. An investment in a Fund involves risk. Principal risks associated with an investment in a Portfolio Navigator fund or Portfolio Stabilizer fund may be found in the relevant Fund’s prospectus. There is no assurance that the Funds will achieve their respective investment objectives. In addition, there is no guarantee that the Fund’s strategy will have its intended effect or that it will work as effectively as is intended.

Investing in a Portfolio Navigator fund, Portfolio Stabilizer fund or PN program static model portfolio does not guarantee that your contract will increase in value nor will it protect in a decline in value if market prices fall. Depending on future market conditions and considering only the potential return on your investment in the Fund, you might benefit (or benefit more) from selecting alternative investment options.

For a complete list of the risks associated with investing in the Portfolio Stabilizer funds and the Portfolio Navigator funds, please consult the applicable Fund’s prospectus.

Volatility and Volatility Management Risk with the Portfolio Stabilizer funds. Although the Portfolio Stabilizer funds seek to manage equity market volatility within their respective portfolios, there is no guarantee that the Funds will be successful. Despite each Fund’s name, the Fund’s portfolio may experience more than its targeted level of volatility, subjecting the Fund to market risk. Securities in the Fund’s portfolio and the underlying funds’ portfolios may be subject to price volatility, and the Fund’s share price may not be any less volatile than the market as a whole and could be more volatile. Columbia Management’s determinations/expectations regarding volatility may be incorrect or inaccurate, which may also adversely affect the Fund’s actual volatility within the portfolio. The Fund also may underperform other funds with similar investment objectives and strategies.

Additionally, because the Fund seeks to target a particular level of effective equity market exposure (EEME), as stated in the Fund’s prospectus, the Fund may provide protection in volatile markets by potentially curbing or mitigating the risk of loss in declining equity markets, but the Fund’s opportunity to achieve returns when the equity markets are rising may also be curbed. In general, the greater the protection against downside loss (as reflected in a smaller target level of EEME), the lesser the Fund’s opportunity to participate in the returns generated by rising equity markets; however, there is no guarantee that the Fund will be successful in protecting the value of its portfolio in down markets. Additionally, to the extent that the Fund maximizes its EEME in low volatility markets, if the equity markets should decline in such low volatility markets, the Fund may experience greater loss than if it had not maximized its EEME.

Accordingly, although an investment in the Portfolio Stabilizer funds may mitigate declines in your contract value due to declining equity markets, the Funds’ investment strategies may also curb or decrease your contract value during periods of positive performance by the equity markets. This may deprive you of some or all of the benefits of increases in equity market values under your contract and could also result in a decrease in your contract value.

52 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS

that may influence its decisions. For additional information regarding the conflicts of interest to which Columbia Management may be subject, see the Funds’ prospectuses.

Shares of the Portfolio Navigator funds and Portfolio Stabilizer funds are currently available solely to our contract holders, including where the contract holder has elected a guaranteed benefit rider that requires investment in the Fund. We are an affiliate of Ameriprise Financial, which is the parent company of Columbia Management, the Funds’ investment manager. We have financial obligations to holders of the riders arising from guarantee obligations under such riders, which vary based upon the investment performance of the Fund.

With respect to the Portfolio Stabilizer funds, we expect to benefit financially by offering the Funds, compared to offering other types of funds, in contracts without riders. For example, we expect to reduce our costs to purchase investments associated with contract liabilities tied to the Portfolio Stabilizer funds. We also expect to benefit from the greater liquidity of hedge investments used to meet our obligations under the riders. In addition, we expect to reduce our capital requirements, which represent assets we set aside to back the guarantees offered in our contracts. As described above, we have a financial interest in reducing our potential exposure with respect to contract values invested under the riders. This may present a potential conflict of interest with respect to the interests of rider holders (who are required to allocate their contract value to a Portfolio Stabilizer fund). In particular, our interest in reducing volatility within the Portfolio Stabilizer fund’s portfolio may present a potential conflict between it and Columbia Management as the latter seeks to achieve the Fund’s investment objective of total return while seeking to manage the Fund’s exposure to equity market volatility.

In addition, we or our affiliates receive from each of the underlying funds, or their affiliates, compensation including but not limited to expense payments and non-cash compensation as a result of our decision to make such funds available as investment options in which your contract value may be invested. See “The Variable Account and the Funds — Revenue we receive from the funds and potential conflicts of interest”.

Further, although the model portfolios are no longer maintained on an ongoing basis and are not managed by Columbia Management, they may also be subject to the conflicts of interest described above because they allocate contract value to underlying funds which are managed by Columbia Management or its affiliate and for which we may receive compensation. We or our affiliates receive compensation from Columbia Management or its affiliates as a result of our decision to include funds managed by Columbia Management or its affiliates as underlying funds in which your contract value may be invested.

Living benefit riders requiring participation in the PN program or investing in the Portfolio Stabilizer funds:

•

Accumulation Benefit rider: You cannot terminate the Accumulation Benefit rider. As long as the Accumulation Benefit rider is in effect, your contract value must be invested in one of the PN program investment options or in one of the Portfolio Stabilizer funds. The Accumulation Benefit rider automatically ends at the end of the waiting period and you then have the option to cancel your participation in the PN program. At all other times, if you do not want to invest in any of the PN program investment options or one of the Portfolio Stabilizer funds, you must terminate your contract by requesting a full surrender. Surrender charges and tax penalties may apply.

•

Withdrawal Benefit rider: The Withdrawal Benefit rider requires that your contract value be invested in one of the PN program investment options or in one of the Portfolio Stabilizer funds for the life of the contract. Subject to state restrictions, we reserve the right to limit the number of investment options from which you can select based on the dollar amount of purchase payments you make. Because you cannot terminate the Withdrawal Benefit rider once you have selected it, you must terminate your contract by requesting a full surrender if you do not want to invest in any of the PN program investment options or one of the Portfolio Stabilizer funds. Surrender charges and tax penalties may apply.

TRANSFERRING AMONG ACCOUNTS

The transfer rights discussed in this section do not apply if you have selected one of the optional living benefit riders.

You may transfer contract value from any one subaccount, GPAs or the fixed account, to another subaccount before annuity payouts begin. Certain restrictions apply to transfers involving the GPAs and the fixed account.

When your request to transfer will be processed depends on when we receive it:


•	If we receive your transfer request at our corporate office 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 corporate office 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.

There is no charge for transfers. Before making a transfer, you should consider the risks involved in changing investments. Transfers out of the GPAs will be subject to an MVA if done more than 30 days before the end of the guarantee period.

Subject to state regulatory requirements, we may suspend or modify transfer privileges at any time.


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 53

For information on transfers after annuity payouts begin, see “Transfer policies” below.

Transfer policies


•	Before annuity payouts begin, you may transfer contract values between the subaccounts, or from the subaccounts to the GPAs and fixed account at any time. The amount transferred to any GPA must be at least $1,000. However, if you made a transfer from the fixed account to the subaccounts or the GPAs, you may not make a transfer from any subaccount or GPA back to the fixed account until the next contract anniversary. We reserve the right to limit transfers to the fixed account if the interest rate we are then currently crediting to the fixed account is equal to the minimum interest rate stated in the contract.

•	You may transfer contract values from the fixed account to the subaccounts or the GPAs once a year during a 31-day transfer period starting on each contract anniversary (except for automated transfers, which can be set up at any time for certain transfer periods subject to certain minimums). Transfers from the fixed account are not subject to an MVA.

Currently, transfers out of the fixed account are limited to the greater of: a) 30% of the fixed account value at the beginning of the contract year, or b) the amount transferred out of the fixed account in the previous contract year, excluding any automated transfer amounts. Because of this limitation, it may take you several years to transfer all your contract value from the fixed account. You should carefully consider whether the fixed account meets your investment criteria before you invest. If an automated dollar-cost averaging arrangement is established at contract issue, the 30% limitation does not apply to transfers made from the fixed account to the subaccounts for the duration of this initial arrangement.


•	You may transfer contract values from any GPA to the subaccounts, fixed account or other GPA any time after 60 days of transfer or payment allocation into such GPA. Transfers made more than 30 days before the end of the guarantee period will receive an MVA, which may result in a gain or loss of contract value, unless an exception applies (see “The Guarantee Period Accounts (GPAs) — Market Value Adjustment (MVA)”).

•	If we receive your request within 30 days before the contract anniversary date, the transfer from the fixed account to the subaccounts will be effective on the anniversary.

•	If we receive your request on or within 30 days after the contract anniversary date, the transfer from the fixed account to the subaccounts or GPAs will be effective on the valuation date we receive it.

•	We will not accept requests for transfers from the fixed account at any other time.

•	You may not make a transfer to the Special DCA account.

•	Once annuity payouts begin, you may not make transfers to or from the GPAs or the fixed account, but you may make transfers once per contract year among the subaccounts. During the annuity payout period, you cannot invest in more than five subaccounts at any one time unless we agree otherwise. When annuity payments begin, you must transfer all contract value out of any GPAs and Special DCAs.

Market Timing

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.

54 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS

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 and 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 contract 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 transfer request would adversely affect unit values.


•	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.


•	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 contract, 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 disregard transfers permitted under any asset allocation, dollar-cost-averaging and asset rebalancing programs 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.

•	Each underlying fund is responsible for its own market timing policies, 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.


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 55

•

Funds that are available as investment options under the contract 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.

HOW TO REQUEST A TRANSFER OR SURRENDER

1 By letter

Send your name, contract number, Social Security Number or Taxpayer Identification Number* and signed request for a transfer or surrender to:

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

Minimum amount

Transfers or surrenders: $250 or entire account balance

Maximum amount

Transfers or surrenders: Contract value or entire account balance


*		Failure to provide your Social Security Number or Taxpayer Identification Number may result in mandatory tax withholding on the taxable portion of the distribution.

2 By automated transfers and automated partial surrenders

Your financial advisor can help you set up automated transfers or partial surrenders among your subaccounts or fixed account (if available).

You can start or stop this service by written request or other method acceptable to us. You must allow 30 days for us to change any instructions that are currently in place.


•	Automated transfers to the GPAs, the fixed account or the Special DCA account are not allowed.

•	Automated transfers from the fixed account to the subaccounts under an automated dollar-cost averaging arrangement may not exceed an amount that, if continued, would deplete the fixed account within 12 months.

•	Automated surrenders may be restricted by applicable law under some contracts.

•	You may not make additional purchase payments if automated partial surrenders are in effect.

•	Automated partial surrenders may result in income taxes and penalties on all or part of the amount surrendered.

•	The balance in any account from which you make an automated transfer or automated partial surrender must be sufficient to satisfy your instructions. If not, we will suspend your entire automated arrangement until the balance is adequate.

•	If we must suspend your automated transfer or automated partial surrender arrangement for six months, we reserve the right to discontinue the arrangement in its entirety.

•	If the PN program is in effect, you are not allowed to set up automated transfers except in connection with a Special DCA account.

•	If you have Withdrawal Benefit rider, you may set up automated partial surrenders up to the benefit amount available for withdrawal under the rider.

Minimum amount

Transfers or surrenders: $50

Maximum amount

Transfers or surrenders: None (except for automated transfers from the fixed account)

56 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS

3 By telephone

Call:
1-800-862-7919

Minimum amount

Transfers or surrenders: $250 or entire account balance

Maximum amount

Transfers: Contract value or entire account balance

Surrenders: $100,000

We answer telephone requests promptly, but you may experience delays when the 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 or surrender requests that we believe are authentic and we will use reasonable procedures to confirm that they are. This includes asking identifying questions and recording calls. We will not allow a telephone surrender within 30 days of a phoned-in address change. As long as we follow the procedures, we (and our affiliates) will not be liable for any loss resulting from fraudulent requests.

Telephone transfers or surrenders are automatically available. You may request that telephone transfers or surrenders not be authorized from your account by writing to us.

Surrenders

You may surrender all or part of your contract at any time before annuity payouts begin by sending us a written request or calling us. We will process your surrender request on the valuation date we receive it. If we receive your surrender request at our corporate office 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 corporate office 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. We may ask you to return the contract. You may have to pay a contract administrative charge, surrender charges, or any applicable optional rider charges (see “Charges”). Federal income taxes and penalties as well as state and local income taxes may apply (see “Taxes”). You cannot make surrenders after annuity payouts begin except under Plan E (see “The Annuity Payout Period — Annuity Payout Plans”).

Any partial surrenders you take under the contract will reduce your contract value. As a result, the value of your death benefit or any optional benefits you have elected also will be reduced. If you have elected the Withdrawal Benefit rider and your partial surrenders in any contract year exceed the permitted surrender amount under the terms of the Withdrawal Benefit rider, your benefits under the rider may be reduced (see “Optional Benefits — Guaranteed Minimum Withdrawal Benefit”). Any partial surrender request that exceeds the amount allowed under the riders and impacts the guarantees provided, will not be considered in good order until we receive a signed Benefit Impact Acknowledgement form showing the projected effect of the surrender on the rider benefits or a verbal acknowledgement that you understand and accept the impacts that have been explained to you. In addition, surrenders you are required to take to satisfy the RMDs under the Code may reduce the value of certain death benefits and optional benefits (see “Taxes — Qualified Annuities — Required Minimum Distributions”).

SURRENDER POLICIES

If you have a balance in more than one account and you request a partial surrender, we will withdraw money from all your subaccounts and/or the fixed account, in the same proportion as your value in each account correlates to your total contract value, less any GPA or Special DCA account, unless you request otherwise. We will not withdraw money for a partial surrender from any GPAs or Special DCA account you may have, unless insufficient amounts are available from your subaccounts and/or fixed account. However, you may request specifically surrender from a GPA or Special DCA account. The minimum contract value after partial surrender is $600.

RECEIVING PAYMENT

1 By regular or express mail


•	payable to you;

•	mailed to address of record.

NOTE: We will charge you a fee if you request express mail delivery.


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 57

2 By wire or other form of electronic payment


•	request that payment be wired to your bank;


•	pre-authorization required.

NOTE: We will charge you a fee if you request that payment be wired to your bank. For instructions, please contact your financial advisor.

Normally, we will send the payment within seven days after receiving your request in good order. However, we may postpone the payment if:

– the surrender amount includes a purchase payment check that has not cleared;

– the NYSE is closed, except for normal holiday and weekend closings;

– trading on the NYSE is restricted, according to SEC rules;

– an emergency, as defined by SEC rules, makes it impractical to sell securities or value the net assets of the accounts; or

– the SEC permits us to delay payment for the protection of security holders.

TSA — Special Provisions

PARTICIPANTS IN TAX-SHELTERED ANNUITIES

If the contract is intended to be used in connection with an employer sponsored 403(b) plan, additional rules relating to this contract can be found in the annuity endorsement for tax sheltered 403(b) annuities. Unless we have made special arrangements with your employer, the contract is not intended for use in connection with an employer sponsored 403(b) plan that is subject to the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). In the event that the employer either by affirmative election or inadvertent action causes contributions under a plan that is subject to ERISA to be made to this contract, we will not be responsible for any obligations and requirements under ERISA and the regulations thereunder, unless we have prior written agreement with the employer. You should consult with your employer to determine whether your 403(b) plan is subject to ERISA.

In the event we have a written agreement with your employer to administer the plan pursuant to ERISA, special rules apply as set forth in the TSA endorsement.

The Code imposes certain restrictions on your right to receive early distributions from a TSA:


•	Distributions attributable to salary reduction contributions (plus earnings) made after Dec. 31, 1988, or to transfers or rollovers from other contracts, may be made from the TSA only if:

– you are at least age 591/2;

– you are disabled as defined in the Code;

– you severed employment with the employer who purchased the contract;

– the distribution is because of your death;

– the distribution is due to plan termination; or

– you are a military reservist.


•	If you encounter a financial hardship (as provided by the Code), you may be eligible to receive a distribution of all contract values attributable to salary reduction contributions made after Dec. 31, 1988, but not the earnings on them.

•	Even though a distribution may be permitted under the above rules, it may be subject to IRS taxes and penalties (see “Taxes”).

•	The above restrictions on distributions do not affect the availability of the amount credited to the contract as of Dec. 31, 1988. The restrictions also do not apply to transfers or exchanges of contract value within the contract, or to another registered variable annuity contract or investment vehicle available through the employer.

58 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS


•	If the contract has a loan provision, the right to receive a loan is described in detail in your contract. Loans will not be available if you have selected the Withdrawal Benefit or Accumulation Benefit rider.

Changing Ownership

You may change ownership of your nonqualified annuity at any time by completing a change of ownership form we approve and sending it to our corporate office. If you are a natural person and you own a nonqualified annuity, you may change the annuitant or successor annuitant if the request is made before annuity payments begin and while the existing annuitant is living. The change will become binding on us when we receive and record it. We will honor any change of ownership request received in good order that we believe is authentic and we will use reasonable procedures to confirm authenticity. If we follow these procedures, we will not take any responsibility for the validity of the change.

Please consider carefully whether or not you wish to change ownership of your nonqualified annuity if you have elected the ROPP, MAV, 5-Year MAV, EEB, EEP, Accumulation Benefit or Withdrawal Benefit. If you change ownership of your contract, we will terminate the ROPP and EEP. This includes both the EEP Part I benefits and the EEP Part II benefits. (See the description of these terms in “Optional Benefits”.) In addition, the terms of the EEB, MAV and the 5-Year MAV will change due to a change of ownership. If the new owner is older than age 75, the EEB will terminate. Otherwise, the EEB will effectively “start over.” We will treat the EEB as if it is issued on the day the change of ownership is made, using the attained age of the new owner as the “issue age” to determine the benefit levels. The account value on the date of the ownership change will be treated as a “purchase payment” in determining future values of “earnings at death” under the EEB. If the new owner is older than age 75, the MAV and 5-Year MAV will terminate. If the MAV or the 5-Year MAV on the date of ownership change is greater than the account value on the date of the ownership change, we will set the MAV or the 5-Year MAV equal to the account value. Otherwise, the MAV or the 5-Year MAV value will not change due to a change in ownership. The Accumulation Benefit rider and the Withdrawal Benefit rider will continue upon change of ownership. Please see the descriptions of these riders in “Optional Benefits.”

If you have a nonqualified annuity, you may incur income tax liability by transferring, assigning or pledging any part of it. (See “Taxes.”)

If you have a qualified annuity, you may not sell, assign, transfer, discount or pledge your contract as collateral for a loan, or as security for the performance of an obligation or for any other purpose except as required or permitted by the Code. However, if the owner is a trust or custodian, or an employer acting in similar capacity, ownership of the contract may be transferred to the annuitant.

Benefits in Case of Death — Standard Death Benefit

We will pay the death benefit to your beneficiary upon your death if you die before the settlement date while this contract is in force. If a contract has more than one person as the owner, we will pay benefits upon the first to die of any owner.

If you are age 75 or younger on the date we issue the contract, the beneficiary receives the greater of:


•	contract value, less any purchase payment credits subject to reversal, less any applicable rider charges; or

•	purchase payments minus adjusted partial surrenders.

If you are age 76 or older on the date we issue the contract, the beneficiary receives the contract value, less any purchase payment credits subject to reversal, less any applicable rider charges.


Adjusted partial surrenders	=	PS × DB CV

PS = the partial surrender including any applicable surrender charge.

DB = the death benefit on the date of (but prior to) the partial surrender.

CV = the contract value on the date of (but prior to) the partial surrender.

Example of standard death benefit calculation when you are age 75 or younger on the contract effective date:


•	You purchase the contract with a payment of $20,000.

•	During the second contract year the contract value falls to $18,000, at which point you take a $1,500 partial surrender, leaving a contract value of $16,500.


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 59


We calculate the death benefit as follows:
The total purchase payments minus adjustments for partial surrenders:
Total purchase payments			$20,000
minus adjusted partial surrenders, calculated as:
	$1,500 × $20,000 $18,000	=	−1,667

	for a death benefit of:		$18,333

IF YOU DIE BEFORE YOUR SETTLEMENT DATE

When paying the beneficiary, we will process the death claim on the valuation date that our death claim requirements are fulfilled. We will determine the contract’s value using the accumulation unit value we calculate on that valuation date. The death benefit will never be less than the surrender value adjusted by the MVA formula. We pay interest, if any, at a rate no less than required by law. If requested, we will mail payment to the beneficiary within seven days after our death claim requirements are fulfilled.

Nonqualified annuities

If your spouse is sole beneficiary and you die before the settlement date, your spouse may keep the contract as owner with the contract value equal to the death benefit that would otherwise have been paid. To do this your spouse must give us written instructions to continue the contract as owner. If your spouse elects to continue the contract as owner, the following describes the standard death benefit:


•	If your spouse was age 75 or younger as of the date we issued the contract, the beneficiary of your spouse’s contract receives the greater of:


	•	contract value, less any purchase payment credits subject to reversal, less any applicable rider charges; or

	•	purchase payments minus adjusted partial surrenders.

If your spouse was age 76 or older as of the date we issued the contract, the beneficiary of your spouse’s contract receives the contract value, less any purchase payment credits subject to reversal, less any applicable rider charges.

If you elected any optional contract features or riders, your spouse and the new annuitant (if applicable) will be subject to all limitations and/or restrictions of those features or riders.

We will not waive surrender charges on contracts continued under the spousal continuation provision.


•	the beneficiary asks us in writing within 60 days after the day on which all documents have been received that prove your death has occurred; and

•	payouts begin no later than one year after your death, or other date as permitted by the IRS; and

•	the payout period does not extend beyond the beneficiary’s life or life expectancy.

Qualified annuities


•	Spouse beneficiary: If you have not elected an annuity payout plan, and if your spouse is the sole beneficiary, your spouse may either elect to treat the contract as his/her own, so long as he/she is eligible to do so, with the contract value equal to the death benefit that would otherwise have been paid or elect an annuity payout plan or another plan agreed to by us. If your spouse elects to treat the contract as his/her own, the following describes the standard death benefit:

•	If your spouse was 75 or younger as of the date we issued the contract, the beneficiary of your spouse’s contract receives the greater of:


	•	contract value, less any purchase payment credits subject to reversal, less any applicable rider charges; or

	•	purchase payments minus adjusted partial surrenders.

If your spouse elects a payout plan, the payouts must begin no later than the year in which you would have reached age 701/2. If you attained age 701/2 at the time of death, payouts must begin no later than Dec. 31 of the year following the year of your death.

60 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS

We will not waive surrender charges on contracts continued under the spousal continuation provision.

•


	•	the beneficiary asks us in writing within 60 days after the day on which all documents have been received that prove your death has occurred; and

	•	payouts begin no later than one year following the year of your death; and

	•	the payout period does not extend beyond the beneficiary’s life or life expectancy.


•	Annuity payout plan: If you elect an annuity payout plan, the payouts to your beneficiary will continue pursuant to the annuity payout plan you elect.

Optional Benefits

The assets held in our general account support the guarantees under your contract, including optional death benefits and optional living benefits. To the extent that we are required to pay you amounts in addition to your contract value under these benefits, such amounts will come from our general account assets. You should be aware that our general account is exposed to the risks normally associated with a portfolio of fixed-income securities, including interest rate, option, liquidity and credit risk. You should also be aware that we issue other types of insurance and financial products as well, and we also pay our obligations under these products from 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.

OPTIONAL DEATH BENEFITS

RETURN OF PURCHASE PAYMENTS DEATH BENEFIT (ROPP)

The ROPP is intended to provide additional death benefit protection in the event of fluctuating fund values. This is an optional benefit that you may select for an additional annual charge (see “Charges”). If you die before annuity payouts begin while this contract is in force, we will pay the beneficiary the greater of:


•	contract value, less any purchase payment credits subject to reversal, less any applicable rider charges; or

•	purchase payments minus adjusted partial surrenders.


Adjusted partial surrenders for the ROPP death benefit		=		PS × DB CV

PS = the partial surrender including any applicable surrender charge.

DB = the death benefit on the date of (but prior to) the partial surrender.

CV = the contract value on the date of (but prior to) the partial surrender.

The death benefit will never be less than the surrender value adjusted by the MVA formula.

If you are age 76 or older at contract issue, you may choose to add the ROPP to your contract. Generally, you must elect the ROPP at the time you purchase your contract and your rider effective date will be the contract issue date. In some instances the rider effective date for the ROPP may be after we issue the contract according to terms determined by us and at our sole discretion. We reserve the right to discontinue offering the ROPP for new contracts.

When annuity payouts begin, or if you terminate the contract for any reason other than death, this rider will terminate.

Terminating the ROPP


•	You may terminate the ROPP rider within 30 days of the first contract anniversary after the rider effective date.

•	You may terminate the ROPP rider within 30 days of any contract anniversary beginning with the seventh contract anniversary.

•	The ROPP rider will terminate when you make a full surrender from the contract or when annuity payouts begin.

If you terminate the ROPP, the standard death benefit applies.


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 61

For an example, see Appendix C.

If your spouse is the sole beneficiary, he or she may keep the contract as owner with the contract value equal to the death benefit that would otherwise been paid under the ROPP. To do this your spouse must, on the date our death claim requirements are fulfilled, give us written instructions to keep the contract in force. If your spouse was age 76 or older as of the date we issued the contract, he or she may choose to continue the ROPP. In that case, the ROPP rider charges described in “Charges — ROPP Rider Fee” will be assessed at the next contract anniversary (and all future anniversaries when the rider is in force). These charges will be based on the total contract value on the anniversary. Your spouse also has the option of discontinuing the ROPP rider within 30 days of the date he or she elects to continue the contract. If your spouse was age 75 or younger as of the date we issued the contract, the ROPP will terminate.

NOTE: For special tax considerations associated with the ROPP, see “Taxes.”

MAXIMUM ANNIVERSARY VALUE DEATH BENEFIT (MAV)

The MAV is intended to provide additional death benefit protection in the event of fluctuating fund values. This is an optional benefit that you may select for an additional annual charge (see “Charges”). The MAV does not provide any additional benefit before the first contract anniversary after the rider effective date. The MAV may be of less value if you are older since we stop resetting the maximum anniversary value at age 81. Although we stop resetting the maximum anniversary value at age 81, the MAV rider fee continues to apply until the rider terminates. In addition, the MAV does not provide any additional benefit with respect to the GPAs, fixed account or Special DCA account during the time you have amounts allocated to these accounts. Be sure to discuss with your financial advisor whether or not the MAV is appropriate for your situation.

If you are age 75 or younger at contract issue, you may choose to add the MAV to your contract. Generally, you must elect the MAV at the time you purchase your contract and your rider effective date will be the contract issue date. In some instances the rider effective date for the MAV may be after we issue the contract according to terms determined by us and at our sole discretion. We reserve the right to discontinue offering the MAV for new contracts.

On the first contract anniversary after the rider effective date we set the maximum anniversary value equal to the highest of your (a) current contract value, or (b) total purchase payments minus adjusted partial surrenders. Every contract anniversary after that, through age 80, we compare the previous anniversary’s maximum anniversary value plus subsequent purchase payments less subsequent adjusted partial surrenders to the current contract value and we reset the maximum anniversary value to the higher of these values. We stop resetting the maximum anniversary value at age 81. However, we continue to add subsequent purchase payments and subtract adjusted partial surrenders from the maximum anniversary value.

If you die before annuity payouts begin while this contract is in force, we will pay the beneficiary the greatest of:


•	contract value, less any purchase payment credits subject to reversal, less any applicable rider charges; or

•	purchase payments minus adjusted partial surrenders; or

•	the maximum anniversary value as calculated on the most recent contract anniversary plus subsequent purchase payments made to the contract minus adjustments for partial surrenders since that contract anniversary.

The death benefit will never be less than the surrender value adjusted by the MVA formula.

Terminating the MAV


•	You may terminate the MAV rider within 30 days of the first contract anniversary after the rider effective date.

•	You may terminate the MAV rider within 30 days of any contract anniversary beginning with the seventh contract anniversary.

•	The MAV rider will terminate when you make a full surrender from the contract or when annuity payouts begin.

•	The MAV rider will terminate in the case of spousal continuation or ownership change if the new owner is age 76 or older.

If you terminate the MAV, the standard death benefit applies.

For an example, see Appendix C.

In general, if your spouse is the sole beneficiary, your spouse may choose to continue the contract as the contract owner. The contract value will be equal to the death benefit that would otherwise have been paid under the MAV. To do this your spouse must, within 60 days after our death claim requirements are fulfilled, give us written instructions to keep the contract in force. If your spouse has reached age 76 at the time he or she elects to continue the contract, the MAV rider will terminate. If your spouse has not yet reached age 76 at the time he or she elects to continue the contract, he or she may choose to continue the MAV rider. In this case, the rider charges described in “Charges” will be assessed at the next contract anniversary (and all future anniversaries when the rider is in force). These charges will be based on the total contract value on the anniversary, including the additional amounts paid into the contract under the MAV rider. If, at the time he or she elects to continue the contract, your spouse has not yet reached age 76 and chooses not to continue the MAV rider, the contract value will be increased to the MAV death benefit amount if it is greater than the contract value on the death benefit valuation date.

62 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS

MAXIMUM FIVE YEAR ANNIVERSARY VALUE DEATH BENEFIT (5-Year MAV)

The 5-Year MAV is intended to provide additional death benefit protection in the event of fluctuating fund values. This is an optional benefit that you may select for an additional annual charge (see “Charges”). The 5-Year MAV does not provide any additional benefit before the fifth contract anniversary after the rider effective date. The 5-Year MAV may be of less value if you are older since we stop resetting the maximum anniversary value at age 81. Although we stop resetting the maximum five year anniversary value at age 81, the 5-Year MAV rider fee continues to apply until the rider terminates. In addition, the 5-Year MAV does not provide any additional benefit with respect to the GPAs, fixed account or Special DCA account during the time you have amounts allocated to these accounts. Be sure to discuss with your financial advisor whether or not the 5-Year MAV is appropriate for your situation.

If you are age 75 or younger at contract issue, you may choose to add the 5-Year MAV to your contract. Generally, you must elect the 5-Year MAV at the time you purchase your contract and your rider effective date will be the contract issue date. In some instances the rider effective date for the 5-Year MAV may be after we issue the contract according to terms determined by us and at our sole discretion. We reserve the right to discontinue offering the 5-Year MAV for new contracts.

On the fifth contract anniversary after the rider effective date we set the maximum anniversary value equal to the highest of your (a) current contract value, or (b) total purchase payments minus adjusted partial surrenders. Every fifth contract anniversary after that, through age 80, we compare the previous 5-year anniversary’s maximum anniversary value plus subsequent purchase payments less subsequent adjusted partial surrenders to the current contract value and we reset the maximum anniversary value to the higher of these values. We stop resetting the maximum anniversary value at age 81. However, we continue to add subsequent purchase payments and subtract adjusted partial surrenders from the maximum anniversary value.

If you die before annuity payouts begin while this contract is in force, we will pay the beneficiary the greatest of:


•	contract value, less any purchase payment credits subject to reversal, less any applicable rider charges; or

•	purchase payments minus adjusted partial surrenders; or

•	the maximum anniversary value as calculated on the most recent fifth contract anniversary plus subsequent purchase payments made to the contract minus adjustments for partial surrenders since that contract anniversary.

The death benefit will never be less than the surrender value adjusted by the MVA formula.

Terminating the 5-Year MAV


•	You may terminate the 5-Year MAV rider within 30 days of the first contract anniversary after the rider effective date.

•	You may terminate the 5-Year MAV rider within 30 days of any contract anniversary beginning with the seventh contract anniversary.

•	The 5-Year MAV rider will terminate when you make a full surrender from the contract or when annuity payouts begin.

•	The 5-Year MAV rider will terminate in the case of spousal continuation or ownership change if the new owner is age 76 or older.

If you terminate the 5-Year MAV, the standard death benefit applies.

For an example, see Appendix C.

In general, if your spouse is the sole beneficiary, your spouse may choose to continue the contract as the contract owner. The contract value will be equal to the death benefit that would otherwise have been paid under the 5-Year MAV. To do this your spouse must within 60 days after our death claim requirements are fulfilled, give us written instructions to keep the contract in force. If your spouse has reached age 76 at the time he or she elects to continue the contract, the 5-Year MAV rider will terminate. If your spouse has not yet reached age 76 at the time he or she elects to continue the contract, he or she may choose to continue the 5-Year MAV rider. In this case, the rider charges described in “Charges” will be assessed at the next contract anniversary (and all future anniversaries when the rider is in force). These charges will be based on the total contract value on the anniversary, including the additional amounts paid into the contract under the 5-Year MAV rider. If, at the time he or she elects to continue the contract, your spouse has not yet reached age 76 and chooses not to continue the 5-Year MAV rider, the contract value will be increased to the 5-Year MAV death benefit amount if it is greater than the contract value on the death benefit valuation date.

ENHANCED EARNINGS DEATH BENEFIT (EEB)


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 63

surrenders during the life of your contract, both of which may reduce contract earnings. This is because the benefit paid by the EEB is determined by the amount of earnings at death. Be sure to discuss with your financial advisor and your tax advisor whether or not the EEB is appropriate for your situation.

If you are age 75 or younger at the rider effective date, you may choose to add the EEB to your contract. Generally, you must elect the EEB at the time you purchase your contract and your rider effective date will be the contract issue date. In some instances the rider effective date for the EEB may be after we issue the contract according to terms determined by us and at our sole discretion. You may not select this rider if you select the EEP. We reserve the right to discontinue offering the EEB for new contracts.

The EEB provides that if you die after the first contract anniversary, but before annuity payouts begin, and while this contract is in force, we will pay the beneficiary:


•	the standard death benefit amount (see “Benefits in Case of Death — Standard Benefit”), the MAV death benefit amount, if applicable, or the 5-Year MAV death benefit amount, if applicable;

PLUS


•	40% of your earnings at death if you were under age 70 on the rider effective date; or

•	15% of your earnings at death if you were age 70 or older on the rider effective date.

Additional death benefits payable under the EEB are not included in the adjusted partial surrender calculation.

Earnings at death for the EEB and EEP: If the rider effective date for the EEB or EEP is the contract issue date, earnings at death is an amount equal to:


	•	the standard death benefit amount, the MAV death benefit amount, or the 5-Year MAV death benefit amount if applicable (the “death benefit amount”)

	•	minus purchase payments not previously surrendered.

The earnings at death may not be less than zero and may not be more than 250% of the purchase payments not previously surrendered that are one or more years old.

If the rider effective date for the EEB is AFTER the contract issue date, earnings at death is an amount equal to the death benefit amount


	•	minus the greater of:


	•	the contract value as of the EEB rider effective date (determined before we apply any purchase payment or purchase payment credit), less any surrenders of that contract value since that rider effective date; or

	•	an amount equal to the death benefit amount as of the EEB rider effective date (determined before we apply any purchase payment or purchase payment credit), less any surrenders of that death benefit amount since that rider effective date


	•	plus any purchase payments made on or after the EEB rider effective date not previously surrendered.

The earnings at death may not be less than zero and may not be more than 250% multiplied by:


	•	the greater of:

	•	the contract value as of the EEB rider effective date (determined before we apply any purchase payment or purchase payment credit), less any surrenders of that contract value since that rider effective date; or

	•	an amount equal to the death benefit amount as of the EEB rider effective date (determined before we apply any purchase payment or purchase payment credit), less any surrenders of that death benefit amount since that rider effective date

	•	plus any purchase payments made on or after the EEB rider effective date not previously surrendered that are one or more years old.

Terminating the EEB


•	You may terminate the EEB rider within 30 days of the first contract anniversary after the rider effective date.

•	You may terminate the EEB rider within 30 days of any contract anniversary beginning with the seventh contract anniversary after the rider effective date.

•	The EEB rider will terminate when you make a full surrender from the contract or when annuity payouts begin.

•	The EEB rider will terminate in the case of spousal continuation or ownership change if the new owner is age 76 or older.

For an example, see Appendix C.

64 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS

is less than age 76 at the time he or she elects to continue the contract, he or she may choose to continue the EEB. In this case, the following conditions will apply:


•	the EEB rider will continue, but we will treat the new contract value on the date the ownership of the contract changes to your spouse (after the additional amount is paid into the contract) as if it is a purchase payment in calculating future values of “earnings at death.”

•	the percentages of “earnings at death” payable will be based on your spouse’s age at the time he or she elects to continue the contract.

•	the EEB rider charges described in “Charges — EEB Rider Fee” will be assessed at the next contract anniversary (and all future anniversaries when the rider is in force). These charges will be based on the total contract value on the anniversary, including the additional amounts paid into the contract under the EEB rider.

NOTE: For special tax considerations associated with the EEB, see “Taxes.”

ENHANCED EARNINGS PLUS DEATH BENEFIT (EEP)

The EEP is intended to provide an additional benefit to your beneficiary to help offset expenses after your death such as funeral expenses or federal and state taxes. This is an optional benefit that you may select for an additional annual charge (see “Charges”). The EEP provides for reduced benefits if you are age 70 or older at the rider effective date. It does not provide any additional benefit before the first contract anniversary and it does not provide any benefit beyond what is offered under the EEB during the second contract year. The EEP also may result in reduced benefits if you take RMDs (see “Taxes — Qualified Annuities — Required Minimum Distributions”) from your qualified annuity or any partial surrenders during the life of your contract, both of which may reduce contract earnings. This is because part of the benefit paid by the EEP is determined by the amount of earnings at death. Be sure to discuss with your sales representative and your tax advisor whether or not the EEP is appropriate for your situation.

If this EEP rider is available in your state and you are age 75 or younger at contract issue, you may choose to add the EEP to your contract. You must elect the EEP at the time you purchase your contract and your rider effective date will be the contract issue date. This rider is only available under annuities purchased through an exchange or direct transfer from another annuity or a life insurance policy. You may not select this rider if you select the EEB. We reserve the right to discontinue offering the EEP for new contracts.

The EEP provides that if you die after the first contract anniversary, but before annuity payouts begin, and while this contract is in force, we will pay the beneficiary:


•	EEP Part I benefits, which equal the benefits payable under the EEB described above;

PLUS


•	EEP Part II benefits, which equal a percentage of exchange purchase payments identified at issue not previously surrendered as follows:


	Percentage if you are			Percentage if you are
Contract year	under age 70 on the rider effective date			70 or older on the rider effective date

One and Two		0	%		0	%
Three and Four		10	%		3.75	%
Five or more		20	%		7.5	%

Additional death benefits payable under the EEP are not included in the adjusted partial surrender calculation.

Another way to describe the benefits payable under the EEP rider is as follows:


•	the standard death benefit amount (see “Benefits in Case of Death — Standard Death Benefit”), the MAV death benefit amount, or 5-Year MAV death benefit amount, if applicable,

PLUS


	If you are under age 70	If you are age 70
Contract year	on the rider effective date, add . . .	or older on the rider effective date, add . . .


1	Zero	Zero

2	40% x earnings at death (see above)	15% x earnings at death

3 & 4	40% x (earnings at death + 25% of exchange purchase payment*)	15% x (earnings at death + 25% of exchange purchase payment*)

5+	15% x (earnings at death + 50% of exchange	40% x (earnings at death + 50% of exchange purchase payment*)


*		Exchange purchase payments are purchase payments exchanged from another annuity or a life insurance policy that are identified at issue and not previously surrendered.


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 65

We are not responsible for identifying exchange purchase payments if we did not receive proper notification from the company from which the purchase payments are exchanged.

Terminating the EEP


•	You may terminate the EEP rider within 30 days of the first contract anniversary after the rider effective date.

•	You may terminate the EEP rider within 30 days of any contract anniversary beginning with the seventh contract anniversary.

•	The EEP rider will terminate when you make a full surrender from the contract or when annuity payouts begin.

•	The EEP rider will terminate in the case of an ownership change.

•	The EEP rider will terminate in the case of the spousal continuation if the new owner is age 76 or older.

For an example, see Appendix C.

In general, if your spouse is the sole beneficiary, and your spouse chooses to continue the contract as the contract owner, we will pay an amount into the contract so that the contract value equals the total death benefit payable under the EEP. If your spouse has reached age 76 at the time he or she elects to continue the contract, the EEP rider will terminate. If your spouse has not yet reached age 76 at the time he or she elects to continue the contract, he or she cannot continue the EEP. However, he or she may choose to convert the EEP rider into an EEB. In this case, the following conditions will apply:


•	the EEB rider will treat the new contract value on the date the ownership of the contract changes to your spouse (after the additional amount is paid into the contract) as if it is a purchase payment in calculating future values of “earnings at death.”

•	the percentages of “earnings at death” payable will be based on your spouse’s age at the time he or she elects to continue the contract.

•	the EEB rider charges described in “Charges — EEB Rider Fee” will be assessed at the next contract anniversary (and all future anniversaries when the EEB rider is in force). These charges will be based on the total contract value on the anniversary, including the additional amounts paid into the contract under the EEP rider.

If your spouse chooses not to convert the EEP rider into an EEB, the standard death benefit amount (or the MAV or 5-Year MAV death benefit amount, if applicable,) will apply.

NOTE: For special tax considerations associated with the EEP, see “Taxes.”

OPTIONAL LIVING BENEFITS

GUARANTEED MINIMUM ACCUMULATION BENEFIT (ACCUMULATION BENEFIT) RIDER

The Accumulation Benefit rider is an optional benefit that you may select for an additional charge. It is available for nonqualified and qualified annuities except under 401(a) and 401(k) plans. The Accumulation Benefit rider specifies a waiting period that ends on the benefit date. The Accumulation Benefit rider provides a one-time adjustment to your contract value on the benefit date if your contract value is less than the Minimum Contract Accumulation Value (defined below) on that benefit date.

If the contract value falls to zero as the result of adverse market performance or the deduction of fees and/or charges at any time during the waiting period and before the benefit date, the contract and all riders, including the Accumulation Benefit rider will terminate without value and no benefits will be paid. Exception: if you are still living on the benefit date, we will pay you an amount equal to the Minimum Contract Accumulation Value as determined under the Accumulation Benefit rider on the valuation date your contract value reached zero.

If you are 80 or younger at contract issue, you may elect the Accumulation Benefit at the time you purchase your contract and the rider effective date will be the contract issue date. The Accumulation Benefit rider may not be terminated once you have elected it except as described in the “Terminating the Rider” section below. An additional charge for the Accumulation Benefit rider will be assessed annually during the waiting period. The rider ends when the waiting period expires and no further benefit will be payable and no further charges for the rider will be deducted. The Accumulation Benefit rider may not be purchased with the optional Withdrawal Benefit rider. The rider ends when the waiting period expires and no further benefit will be payable and no further charges for the rider will be deducted. After the waiting period, you have the following options:


	•	Continue your contract;

	•	Take partial surrenders or make a full surrender; or

	•	Annuitize your contract.

The Accumulation Benefit rider may not be available in all states.

You should consider whether a Accumulation Benefit rider is appropriate for you because:

•

you must be invested in one of the approved investment options. This requirement limits your choice of investments. This means you will not be able to allocate contract value to all of the subaccounts, GPAs or the fixed account that are available under the contract to other contract owners who do not elect this rider. You may allocate qualifying purchase payments and applicable payment credits to the Special DCA account, when available (see “The Special DCA Account”), and we will

66 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS


	make monthly transfers into the investment option you have chosen. (See “Making the Most of Your Contract — Portfolio Navigator Program and Portfolio Stabilizer Funds”);


•	you may not make additional purchase payments to your contract during the waiting period after the first 180 days immediately following the effective date of the Accumulation Benefit rider. Some exceptions apply (see “Additional Purchase Payments with Elective Step Up” below);

•	if you purchase this contract as a qualified annuity, for example, an IRA, you may need to take partial surrenders from your contract to satisfy the RMDs under the Code. Partial surrenders, including those used to satisfy RMDs, will reduce any potential benefit that the Accumulation Benefit rider provides. You should consult your tax advisor if you have any questions about the use of this rider in your tax situation;

•	if you think you may surrender all of your contract value before you have held your contract with this benefit rider attached for 10 years, or you are considering selecting an annuity payout option within 10 years of the effective date of your contract, you should consider whether this optional benefit is right for you. You must hold the contract a minimum of 10 years from the effective date of the Accumulation Benefit rider, which is the length of the waiting period under the Accumulation Benefit rider, in order to receive the benefit, if any, provided by the Accumulation Benefit rider. In some cases, as described below, you may need to hold the contract longer than 10 years in order to qualify for any benefit the Accumulation Benefit rider may provide;

•	the 10 year waiting period under the Accumulation Benefit rider will restart if you exercise the elective step-up option (described below) or your surviving spouse exercises the spousal continuation elective step-up (described below); and

•	the 10 year waiting period under the Accumulation Benefit rider may be restarted if you elect to change your PN program investment option to one that causes the Accumulation Benefit rider charge to increase (see “Charges”).

Be sure to discuss with your sales representative whether an Accumulation Benefit rider is appropriate for your situation.

Here are some general terms that are used to describe the operation of the Accumulation Benefit:

Benefit Date: This is the first valuation date immediately following the expiration of the waiting period.

Minimum Contract Accumulation Value (MCAV): An amount calculated under the Accumulation Benefit rider. The contract value will be increased to equal the MCAV on the benefit date if the contract value on the benefit date is less than the MCAV on the benefit date.

Adjustments for Partial Surrenders: The adjustment made for each partial surrender from the contract is equal to the amount derived from multiplying (a) and (b) where:


(a)	is 1 minus the ratio of the contract value on the date of (but immediately after) the partial surrender to the contract value on the date of (but immediately prior to) the partial surrender; and


(b)	is the MCAV on the date of (but immediately prior to) the partial surrender.

Waiting Period: The waiting period for the rider is 10 years.

We reserve the right to restart the waiting period on the latest contract anniversary if you change your investment option after we have exercised our rights to increase the rider fee.

Your initial MCAV is equal to your initial purchase payment and any purchase payment credit. It is increased by the amount of any subsequent purchase payments and purchase payment credits received within the first 180 days that the rider is effective. It is reduced by any adjustments for partial surrenders made during the waiting period.

Automatic Step Up

On each contract anniversary after the effective date of the rider, the MCAV will be set to the greater of:


1.	80% of the contract value on the contract anniversary; or

2.	the MCAV immediately prior to the automatic step up.

The automatic step up does not create contract value, guarantee the performance of any investment option, or provide a benefit that can be surrendered or paid upon death. Rather, the Automatic Step Up is an interim calculation used to arrive at the final MCAV, which is used to determine whether a benefit will be paid under the rider on the benefit date.

The automatic step up of the MCAV does not restart the waiting period or increase the charge (although the total fee for the rider may increase).

Elective Step Up Option

Within thirty days following each contract anniversary after the rider effective date, but prior to the benefit date, you may notify us in writing that you wish to exercise the annual elective step up option. You may exercise this elective step up option only once per contract year during this 30 day period. If your contract value on the valuation date we receive your written request to step up is greater than the MCAV on that date, your MCAV will increase to 100% of that contract value.


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 67

We may increase the fee for your rider (see “Charges – Accumulation Benefit Rider Charge”). The revised fee would apply to your rider if you exercise the annual elective step up, your MCAV is increased as a result, and the revised fee is higher than your annual rider fee before the elective step up. Elective step ups will also result in a restart of the waiting period as of the most recent contract anniversary.

The elective step up does not create contract value, guarantee the performance of any investment option or provide any benefit that can be surrendered or paid upon death. Rather the elective step up is an interim calculation used to arrive at the final MCAV, which is used to determine whether a benefit will be paid under the rider on the benefit date.

The elective step up option is not available to non-spouse beneficiaries that continue the contract during the waiting period.

Additional Purchase Payments with Annual Elective Step Ups

If your MCAV is increased as a result of elective step up, you have 180 days from the latest contract anniversary to make additional purchase payments, if allowed under the base contract. The MCAV will include the amount of any additional purchase payments and purchase payment credits (if applicable) received during this period.

Spousal Continuation

If a spouse chooses to continue the contract under the spousal continuation provision, the rider will continue as part of the contract. Once, within the thirty days following the date of spousal continuation, the spouse may choose to exercise an elective step up. The spousal continuation elective step up is in addition to the annual elective step up. If the contract value on the valuation date we receive the written request to exercise this option is greater than the MCAV on that date, we will increase the MCAV to that contract value. If the MCAV is increased as a result of the elective step up and we have increased the charge for the Accumulation Benefit rider, the spouse will pay the charge that is in effect on the valuation date we receive their written request to step up for the entire contract year. In addition, the waiting period will restart as of the most recent contract anniversary.

Terminating the Rider

The rider will terminate under the following conditions:

The rider will terminate before the benefit date without paying a benefit on the date:


	•	you take a full surrender; or

	•	annuitization begins; or

	•	the contract terminates as a result of the death benefit being paid.

The rider will terminate on the benefit date.

For an example, see Appendix C.

GUARANTEED MINIMUM WITHDRAWAL BENEFIT RIDER (WITHDRAWAL BENEFIT AND ENHANCED WITHDRAWAL BENEFIT)

The Withdrawal Benefit rider is an optional benefit that you may select for an additional annual charge if you are 80 or younger on the date the contract is issued. It is available for nonqualified and qualified annuities except under 401 (a) and 401 (k) plans.⁽¹⁾


⁽¹⁾		The Withdrawal Benefit rider is not available under an inherited qualified annuity.

You must have elected the Withdrawal Benefit rider when you purchased your contract (original rider). The original rider you received at contract issue offers an elective annual step-up and any withdrawal after a step up during the first three contract years is considered an excess withdrawal, as described below. The rider effective date of the original rider is the contract issue date.

We offered you the option of replacing the original rider with a new Withdrawal Benefit (enhanced rider). The enhanced rider offers an automatic annual step-up and a withdrawal after a step up during the first three contract years is not necessarily an excess withdrawal, as described below. The effective date of the enhanced rider will be the contract issue date except for the automatic step-up which will apply to contract anniversaries that occur after you accept the enhanced rider. The descriptions below apply to both the original and enhanced riders unless otherwise noted.

The Withdrawal Benefit initially provides a guaranteed minimum withdrawal benefit that gives you the right to take limited partial withdrawals in each contract year that over time will total an amount equal to your purchase payments plus any purchase payment credits. Certain withdrawals and step ups, as described below, can cause the initial guaranteed withdrawal benefit to change. The guarantee remains in effect if your partial withdrawals in a contract year do not exceed the allowed amount. As long as your withdrawals in each contract year do not exceed the allowed amount, you will not be assessed a surrender charge. Under the original rider, the allowed amount is the Guaranteed Benefit Payment (GBP — the amount you may withdraw under the terms of the rider in each contract year, subject to certain restrictions prior to the third contract anniversary, as described below). Under the enhanced rider, the allowed amount is equal to 7% of purchase payments and purchase payment credits for the first three contract years, and the GBP in all other years.

68 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS

If you withdraw an amount greater than the allowed amount in a contract year, we call this an “excess withdrawal” under the rider. If you make an excess withdrawal under the rider:


	•	surrender charges, if applicable, will apply only to the amount of the withdrawal that exceeds the allowed amount;

	•	the guaranteed benefit amount will be adjusted as described below; and

	•	the remaining benefit amount will be adjusted as described below.

For a partial withdrawal that is subject to a surrender charge, the amount we actually deduct from your contract value will be the amount you request plus any applicable surrender charge (see “Charges — Surrender Charge”). Market value adjustments, if applicable, will also be made (see the “Market Value Adjustment” provision in the prospectus). We pay you the amount you request. Any partial withdrawals you take under the contract will reduce the value of the death benefits (see “Benefits in Case of Death”). Upon full withdrawal of the contract, you will receive the remaining contract value less any applicable charges (see “Surrenders”).

Once elected, the Withdrawal Benefit rider may not be cancelled by you and the fee will continue to be deducted until the contract is terminated, the contract value reduces to zero (described below) or annuity payouts begin. If you select the Withdrawal Benefit rider, you may not select the Accumulation Benefit rider. If you exercise the annual step up election (see “Elective Step Up” and “Annual Step Up” below), the special spousal continuation step up election (see “Spousal Continuation and Special Spousal Continuation Step Up” below) or change your Portfolio Navigator investment option, the rider charge may change (see “Charges”).

Withdrawal Benefit is subject to certain restrictions and limitations described below:

•

Investment Allocation Restriction: You must elect one of the approved investment options. We reserve the right to add, remove or substitute approved investment options in the future. This requirement limits your choice of investments. This means you will not be able to allocate contract value to all of the subaccounts or the fixed account that are available under the contract to contract owners who do not elect this rider. You may allocate qualifying purchase payments and applicable purchase payment credits to the Special DCA account, when available (see “The Special DCA Account”), and we will make monthly transfers into the investment option you have chosen. (See “Making the Most of Your Contract — Portfolio Navigator Program and Portfolio Stabilizer Funds”);


•	Limitations on TSAs: Your right to take withdrawals is restricted if your contract is a TSA (see “TSA — Special Provisions”). Therefore, Withdrawal Benefit rider may be of limited value to you. You should consult your tax advisor if you selected this optional rider and if you have any questions about the use of this rider in your tax situation;


•	Limitations on purchase payments: We reserve the right to limit the cumulative amount of purchase payments. For current limitations, see “Buying Your Contract — Purchase Payment.”

•	Non-Cancelable: Once elected, the Withdrawal Benefit rider may not be cancelled by you and the fee will continue to be deducted until the contract is terminated, the contract value reduces to zero (described below) or annuity payouts begin.

•	Interaction with the total free amount (TFA) contract provision: The TFA is the amount you are allowed to withdraw in each contract year without incurring a surrender charge (see “Charges — Surrender Charge”). The TFA may be greater than the RBP under this rider. Any amount you withdraw under the contract’s TFA provision that exceeds the RBP is subject to the excess withdrawal processing for the GBA and Remaining Benefit Amount (RBA) described below.

You should consult your tax advisor if you have any questions about the use of this rider in your tax situation:


•	Tax considerations for non-qualified annuities: Withdrawals are taxable income to the extent of earnings. Withdrawals of earnings before age 591/2 may also incur a 10% IRS early withdrawal penalty.

•	Tax considerations for qualified annuities: Qualified annuities have minimum distribution rules that govern the timing and amount of distributions from the annuity contract (see “Taxes — Qualified Annuities — Required Minimum Distributions”). If you have a qualified annuity, you may need to take an RMD that exceeds the guaranteed amount of withdrawal available under the rider and such withdrawals may reduce future benefits guaranteed under the rider. Under the terms of the enhanced rider, we allow you to satisfy the RMD based on the life expectancy RMD for your contract and the requirements of the Code and regulations in effect when you purchase your contract, without the withdrawal being treated as an excess withdrawal. It is our current administrative practice to make the same accommodation under the original rider, however, we reserve the right to discontinue this administrative practice and will give you 30 days’ written notice of any such change.

Treatment of non-spousal distributions: Unless you are married your beneficiary will be required to take distributions as a non-spouse which may result in significantly decreasing the value of the rider.

Please note civil unions and domestic partnerships are not recognized as marriages for federal tax purposes. For additional information see “Taxes — Other — Spousal status” section of this prospectus.


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 69

For contract holders subject to annual RMD rules under Section 401(a)(9) of the Code, amounts you withdraw each year from this contract to satisfy these rules are not subject to excess withdrawal processing under the terms of the rider, subject to the following rules and our current administrative practice:

If on the date we calculated your Annual Life Expectancy Required Minimum Distribution Amount (ALERMDA), it is greater than the RBP from the beginning of the current contract year,


	•	A Basic Additional Benefit Amount (BABA) will be set equal to that portion of your ALERMDA that exceeds the value of the RBP from the beginning of the current contract year.

	•	Any withdrawals taken in a contract year will count first against and reduce the RBP for that contract year.

	•	Once the RBP for the current contract year has been depleted, any additional amounts withdrawn will count against and reduce the BABA. These withdrawals will not be considered excess withdrawals with regard to the GBA and RBA as long as they do not exceed the remaining BABA.

	•	Once the BABA has been depleted, any additional withdrawal amounts will be considered excess withdrawals with regard to the GBA and RBA and will subject them all to the excess withdrawal processing described by the rider.

The ALERMDA is:

(1) determined by us each calendar year;

(2) based on the value of this contract alone on the date it is determined; and

(3) based on the company’s understanding and interpretation of the requirements for life expectancy distributions intended to satisfy the required minimum distribution rules under Code Section 401(a) (9) and the Treasury Regulations promulgated thereunder, as applicable on the effective date of this prospectus, to:

1. IRAs under Section 408(b) of the Code;

2. Roth IRAs under Section 408A of the Code;

3. SIMPLE IRA under Section 408A of the Code;

4. SEP plans under Section 408 (k) of the Code;

5. Custodial and investment only plans under Section 401 (a) of the Code;

6. TSAs under Section 403(b) of the Code.

In the future, the requirements under tax law for such distributions may change and the life expectancy amount calculation provided under your rider may not be sufficient to satisfy the requirements under the tax law for these types of distributions. In such a situation, amounts withdrawn to satisfy such distribution requirements would exceed your available withdrawal amount and may result in the reduction of your GBA and/or RBA as described under the excess withdrawal provision of the rider.

RMD rules follow the calendar year which most likely does not coincide with your contract year and therefore may limit when you can take your RMD and not be subject to excess withdrawal processing.

In cases where the Code does not allow the life expectancy of a natural person to be used to calculate the required minimum distribution amount (e.g. some ownerships by trusts and charities), we will calculate the life expectancy RMD amount as zero in all years. The annual life expectancy required minimum distribution amount calculated by us will also equal zero in all years.

The terms “Guaranteed Benefit Amount” and “Remaining Benefit Amount” are described below. Each is used in the operation of the GBP, the RBP, the elective step up, the annual step up, the special spousal continuation step up and the withdrawal benefit annuity payout option.

Guaranteed Benefit Amount

The Guaranteed Benefit Amount (GBA) is equal to the initial purchase payment, plus any purchase payment credits, adjusted for subsequent purchase payments, any purchase payment credits, partial withdrawals in excess of the GBP, and step ups. The maximum GBA is $5,000,000.

The GBA is determined at the following times:


•	At contract issue — the GBA is equal to the initial purchase payment, plus any purchase payment credit;

•	When you make additional purchase payments — each additional purchase payment plus any purchase payment credit has its own GBA equal to the amount of the purchase payment plus any purchase payment credit. The total GBA when an additional purchase payment and purchase payment credit are added is the sum of the individual GBAs immediately prior to the receipt of the additional purchase payment, plus the GBA associated with the additional purchase payment;

•	At step up — (see “Elective Step Up” and “Annual Step Up” headings below).

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•	When you make a partial withdrawal:


	(a)	and all of your withdrawals in the current contract year, including the current withdrawal, are less than or equal to the GBP — the GBA remains unchanged. Note that if the partial withdrawal is taken during the first three contract years, the GBA and the GBP are calculated after the reversal of any prior step ups;


	(b)	and all of your withdrawals in the current contract year, including the current withdrawal, are greater than the GBP — the following excess withdrawal processing will be applied to the GBA. Note that if the partial withdrawal is taken during the first three contract years, the GBA and the GBP are calculated after the reversal of any prior step ups;


	(c)	under the original rider in a contract year after a step up but before the third contract anniversary — the following excess withdrawal processing will be applied to the GBA. Note that the GBA and the GBP are calculated after the reversal of prior step ups.

GBA EXCESS WITHDRAWAL PROCESSING

The total GBA will automatically be reset to the lesser of (a) the total GBA immediately prior to the withdrawal; or (b) the contract value immediately following the withdrawal. If there have been multiple purchase payments, each payment’s GBA after the withdrawal will be reset to equal that payment’s RBA after the withdrawal plus (a) times (b), where:


(a)	is the ratio of the total GBA after the withdrawal less the total RBA after the withdrawal to the total GBA before the withdrawal less the total RBA after the withdrawal; and


(b)	is each payment’s GBA before the withdrawal less that payment’s RBA after the withdrawal.

Remaining Benefit Amount

The remaining benefit amount (RBA) at any point is the total guaranteed amount available for future partial withdrawals. The maximum RBA is $5,000,000.

The RBA is determined at the following times:


•	At contract issue — the RBA is equal to the initial purchase payment plus any purchase payment credit;

•	When you make additional purchase payments — each additional purchase payment plus any purchase payment credit has its own RBA equal to the amount of the purchase payment plus any purchase payment credit. The total RBA when an additional purchase payment and purchase payment credit are added is the sum of the individual RBAs immediately prior to the receipt of the additional purchase payment, plus the RBA associated with the additional payment;

•	At step up — (see “Elective Step Up” and “Annual Step Up” headings below).

•	When you make a partial withdrawal:


	(a)	and all of your withdrawals in the current contract year, including the current withdrawal, are less than or equal to the GBP — the RBA becomes the RBA immediately prior to the partial withdrawal, less the partial withdrawal. Note that if the partial withdrawal is taken during the first three contract years, the RBA and the GBP are calculated after the reversal of any prior step ups;


	(b)	and all of your withdrawals in the current contract year, including the current withdrawal, are greater than the GBP — the following excess withdrawal processing will be applied to the RBA. Note that if the partial withdrawal is taken during the first three contract years, the RBA and the GBP are calculated after the reversal of any prior step ups;


	(c)	under the original rider after a step up but before the third contract anniversary — the following excess withdrawal processing will be applied to the RBA. Note that the RBA and the GBP are calculated after the reversal of prior step ups.

RBA EXCESS WITHDRAWAL PROCESSING

The RBA will automatically be reset to the lesser of (a) the contract value immediately following the withdrawal, or (b) the RBA immediately prior to the withdrawal, less the amount of the withdrawal.

If there have been multiple purchase payments, any reduction of the RBA will be taken out of each payment’s RBA in the following manner:

The withdrawal amount up to the remaining benefit payment (defined below) is taken out of each RBA bucket in proportion to its remaining benefit payment at the time of the withdrawal; and the withdrawal amount above the remaining benefit payment and any amount determined by the excess withdrawal processing are taken out of each RBA bucket in proportion to its RBA at the time of the withdrawal.

Guaranteed Benefit Payment

Under the original rider, the GBP is the amount you may withdraw under the terms of the rider in each contract year, subject to certain restrictions prior to the third anniversary.


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Under the enhanced rider, the GBP is the withdrawal amount that you are entitled to take each contract year after the third anniversary until the RBA is depleted.

Under the original rider, the GBP is equal to 7% of the GBA. Under the enhanced rider, the GBP is the lesser of a) 7% of the GBA or (b) the RBA. Under both the original and enhanced riders, if you withdraw less than the GBP in a contract year, there is no carry over to the next contract year.

Remaining Benefit Payment

Under the original rider, at the beginning of each contract year, the remaining benefit payment (RBP) is set as the lesser of (a) the GBP, or (b) the RBA.

Under the enhanced rider, at the beginning of each contract year, during the first three contract years and prior to any withdrawal, the RBP for each purchase payment is set equal to that purchase payment plus any purchase payment credit, multiplied by 7%. At the beginning of any other contract year, each individual RBP is set equal to each individual GBP.

Each additional purchase payment has its own RBP established equal to that payment’s GBP. The total RBP is equal to the sum of the individual RBPs.

Whenever a partial withdrawal is made, the RBP equals the RBP immediately prior to the partial withdrawal less the amount of the partial withdrawal, but not less than zero.

Elective Step Up (Under the Original Rider Only)

You have the option to increase the RBA, the GBA, the GBP and the RBP beginning with the first contract anniversary. An annual elective step up option is available for 30 days after the contract anniversary. The elective step up option allows you to step up the remaining benefit amount and guaranteed benefit amount to the contract value on the valuation date we receive your written request to step up.

The elective step up is subject to the following rules:


•	if you do not take any withdrawals during the first three contract years, you may step up annually beginning with the first contract anniversary;

•	if you take any withdrawals during the first three contract years, the annual elective step up will not be available until the third contract anniversary;

•	if you step up on the first or second contract anniversary but then take a withdrawal prior to the third contract anniversary, you will lose any prior step ups and the withdrawal will be considered an excess withdrawal subject to the GBA and RBA excess withdrawal processing discussed under the “Guaranteed Benefit Amount” and “Remaining Benefit Amount” headings above, and to surrender charges; and

•	you may take withdrawals on or after the third contract anniversary without reversal of previous step ups

You may elect a step up only once each contract year within 30 days after the contract anniversary. Once a step up has been elected, another step up may not be elected until the next contract anniversary.

Rider A⁽¹⁾: You may only step up if your contract value on the valuation date we receive your written request to step up is greater than RBA. The elective step up will be determined as follows:


•	The effective date of the elective step up is the valuation date we receive your written request to step up.

•	The RBA will be increased to an amount equal to the contract value on the valuation date we receive your written request to step up.

•	The GBA will be increased to an amount equal to the greater of (a) the GBA immediately prior to the elective step up; or (b) the contract value on the valuation date we receive your written request to step up.

•	The GBP will be increased to an amount equal to the greater of (a) the GBP immediately prior to the step up; or (b) 7% of the GBA after the step up.

•	The RBP will be increased to the lesser of (a) the RBA after the elective step up; or (b) the GBP after the elective step up.

Rider B⁽¹⁾: You may only step up if your contract value is greater than RBA. The elective step up will be determined as follows:


•	The effective date of the elective step up is the contract anniversary.

•	The RBA will be increased to an amount equal to the contract anniversary value.

•	The GBA will be increased to an amount equal to the greater of (a) the GBA immediately prior to the elective step up; or (b) the contract anniversary value.

•	The GBP will be increased to an amount equal to the greater of (a) the GBP immediately prior to the step up; or (b) 7% of the GBA after the step up.

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•	The RBP will be increased to the lesser of (a) the RBA after the elective step up; or (b) the GBP after the elective step up.


⁽¹⁾		Before April 29, 2005 we only offered Rider B. We began offering Rider A in states where it is approved and discontinued offering Rider B in those states, on April 29, 2005. If you purchased a contract with this optional benefit rider before April 29, 2005 the references to Rider B generally apply to your contract (see the rider attached to your contract for the actual terms of the benefit you purchased). If you purchased a contract on or after April 20, 2005 with this benefit, the version we offer you depends on which state you live in. The discussion about this benefit and how it works applies generally to both riders unless otherwise noted.

Annual Step Up (Under the Enhanced Rider Only)

Beginning with the first contract anniversary after you accept the enhanced rider, an increase of the RBA, the GBA, the GBP and the RBP may be available. A step up does not create contract value, guarantee performance of any investment options, or provide a benefit that can be withdrawn or paid upon death. Rather, a step up determines the current values of the GBA, RBA, GBP, and RBP, and may extend the payment period or increase allowable payment.

The annual step up is subject to the following rules:


•	The annual step up is available when the RBA would increase on the step up date. The applicable step up date depends on whether the annual step up is applied on an automatic or elective basis.

•	If the application of the step does not increase the rider charge, the annual step up will be automatically applied to your contract and the step up date is the contract anniversary date.

•	If the application of the step up would increase the rider charge (see the “Withdrawal Benefit Rider Fee” provision in the prospectus), the annual step up is not automatically applied. Instead, you have the option to step up for 30 days after the contract anniversary. If you exercise the elective annual step up option, you will pay the rider charge in effect on the step up date. If you wish to exercise the elective annual step up option, we must receive a request from you or your investment professional. The step up date is the date we receive your request to step up. If your request is received after the close of business, the step up date will be the next valuation day.

•	Only one step up is allowed each contract year.

•	If you take any withdrawals during the first three contract years, any previously applied step ups will be reversed and the annual step up will not be available until the third contract anniversary;

•	You may take withdrawals on or after the third contract anniversary without reversal of previous step ups. The annual step up will be determined as follows:

•	The RBA will be increased to an amount equal to the contract value on the step up date.

•	The GBA will be increased to an amount equal to the greater of (a) the GBA immediately prior to the annual step up; or (b) the contract value on the step up date.

•	The GBP will be calculated as described earlier, but based on the increased GBA and RBA.

•	The RBP will be reset as follows:


(a)	Prior to any withdrawals during the first three contract years, the RBP will not be affected by the step up.


(b)	At any other time, the RBP will be reset as the increased GBP less all prior withdrawals made during the current contract year, but not less than zero.

Spousal Continuation and Special Spousal Continuation Step Up

If a surviving spouse elects to continue the contract, this rider also continues. The spousal continuation step up is in addition to the elective step up or the annual step up on contract anniversaries.

A surviving spouse may elect a spousal continuation step up by written request within 30 days following the spouse’s election to continue the contract.

Under this step up, the RBA will be reset to the greater of the RBA or the contract value on the valuation date we receive the spouse’s written request to step up; the GBA will be reset to the greater of the GBA or the contract value on the same valuation date.

If a spousal continuation step up is elected and we have increased the charge for the rider, the spouse will pay the charge that is in effect on the valuation date we receive the written request to step up.

It is our current administrative practice to process the spousal continuation step up as described in the next paragraph; however, we reserve the right to discontinue the administrative practice and will give you 30 days’ written notice of any such change.

At the time of spousal continuation, a step up may be available. All annual step-up rules (see “Annual Step-Up” heading above), other than those that apply to the waiting period, also apply to the spousal continuation step up. If the spousal continuation step up is processed automatically, the step up date is the valuation date the spousal continuation is effective. If not, the spouse must elect the step up and must do so within 30 days of the spousal continuation date. If the spouse elects the


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spousal continuation step up, the step-up date is the valuation date we receive the spouse’s written request to step up if we receive the request by the close of business on that day, otherwise the next valuation date.

Remaining Benefit Amount Payout Option

Several annuity payout plans are available under the contract. As an alternative to these annuity payout plans, a fixed annuity payout option is available under the Withdrawal Benefit.

Under this option the amount payable each year will be equal to the remaining schedule of GBPs, but the total amount paid over the life of the annuity will not exceed the current total RBA at the time you begin this fixed annuity option. These annualized amounts will be paid in the frequency that you elect. The frequencies will be among those offered by us at that time but will be no less frequent than annually. If, at the death of the owner, total payments have been made for less than the RBA, the remaining payments will be paid to the beneficiary (see “The Annuity Payout Period” and “Taxes”).

This annuity payout option may also be elected by the beneficiary of a contract as a settlement option. Whenever multiple beneficiaries are designated under the contract, each such beneficiary’s share of the proceeds if they elect this option will be in proportion to their applicable designated beneficiary percentage. Beneficiaries of nonqualified contracts may elect this settlement option subject to the distribution requirements of the contract. We reserve the right to adjust the remaining schedule of GBPs if necessary to comply with the Code.

If Contract Value Reduces to Less Than $600*

If the contract value reduces to less than $600 and the RBA remains greater than zero, the following will occur:


•	you will be paid according to the annuity payout option described above;

•	we will no longer accept additional purchase payments;

•	you will no longer be charged for the rider;

•	any attached death benefit riders will terminate; and

•	the death benefit becomes the remaining payments under the annuity payout option described above. If the contract value falls to zero and the RBA is depleted, the Withdrawal Benefit rider and the contract will terminate.


*		Under our current administrative practice, we allow the minimum contract value to be $0. Therefore, these limitations will only apply when the contract value is reduced to zero.

For an example, see Appendix C.

The Annuity Payout Period

You also decide whether we will make annuity payouts on a fixed or variable basis, or a combination of fixed and variable. The amount available to purchase payouts under the plan you select is the contract value on your settlement date after any rider charges have been deducted, plus or minus any applicable MVA, less any purchase payment credits subject to reversal and less any applicable premium tax. Additionally, we currently allow you to use part of the amount available to purchase payouts, leaving any remaining contract value to accumulate on a tax-deferred basis. Special rules apply for partial annuitization of your annuity contract, see “Taxes — Nonqualified Annuities — Annuity payouts” and “Taxes — Qualified Annuities — Annuity payouts.” During the annuity payout period, you cannot invest in more than five subaccounts at any one time unless we agree otherwise. Additionally, Portfolio Stabilizer funds are not available during the payout period.

Amounts of fixed and variable payouts depend on:


•	the annuity payout plan you select;

•	the annuitant’s age and, in most cases, the annuitant’s sex;

•	the annuity table in the contract; and

•	the amounts you allocated to the accounts at settlement.

For information with respect to transfers between accounts after annuity payouts begin, see “Making the Most of Your Contract — Transfer policies.”

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ANNUITY TABLES

The annuity tables in your contract (Table A and Table B) show the amount of the monthly payout for each $1,000 of contract value according to the annuitant’s age and, when applicable, the annuitant’s sex. (Where required by law, we will use a unisex table of settlement rates.)

Table A shows the amount of the first variable payout assuming that the contract value is invested at the beginning of the annuity payout period and earns a 5% rate of return, which is reinvested and helps to support future payouts. If you ask us at least 30 days before the settlement date, we will substitute an annuity table based on an assumed 3.5% investment rate for the 5% Table A in the contract. The assumed investment rate affects both the amount of the first payout and the extent to which subsequent payouts increase or decrease. For example, annuity payouts will increase if the investment return is above the assumed investment rate and payouts will decrease if the return is below the assumed investment rate. Using the 5% assumed interest rate results in a higher initial payout, but later payouts will increase more slowly when annuity unit values rise and decrease more rapidly when they decline.

ANNUITY PAYOUT PLANS

You may choose any one of these annuity payout plans by giving us written instructions at least 30 days before contract value is used to purchase the payout plan*:


•	Plan A: Life annuity — no refund: We make monthly payouts until the annuitant’s death. Payouts end with the last payout before the annuitant’s death. We will not make any further payouts. This means that if the annuitant dies after we made only one monthly payout, we will not make any more payouts.

•	Plan B: Life annuity with five, ten or 15 years certain: We make monthly payouts for a guaranteed payout period of five, ten or 15 years that you elect. This election will determine the length of the payout period to the beneficiary if the annuitant should die before the elected period expires. We calculate the guaranteed payout period from the settlement date. If the annuitant outlives the elected guaranteed payout period, we will continue to make payouts until the annuitant’s death.

•	Plan C: Life annuity — installment refund: We make monthly payouts until the annuitant’s death, with our guarantee that payouts will continue for some period of time. We will make payouts for at least the number of months determined by dividing the amount applied under this option by the first monthly payout, whether or not the annuitant is living.

•	Plan D: Joint and last survivor life annuity — no refund: We make monthly payouts while both the annuitant and a joint annuitant are living. If either annuitant dies, we will continue to make monthly payouts at the full amount until the death of the surviving owner. Payouts end with the death of the second annuitant.

•

Plan E: Payouts for a specified period: We make monthly payouts for a specific payout period of ten to 30 years that you elect. We will make payouts only for the number of years specified whether the annuitant is living or not. Depending on the selected time period, it is foreseeable that the annuitant can outlive the payout period selected. During the payout period, you can elect to have us determine the present value of any remaining variable payouts and pay it to you in a lump sum. We determine the present value of the remaining annuity payouts which are assumed to remain level at the amount of the payout that would have been made 7 days prior to the date we determine the present value. The discount rate we use in the calculation will be either 5.17% or 6.67%, depending on the applicable assumed investment rate. (See “Charges — Surrender charge under Annuity Payout Plan E.”). A 10% IRS penalty tax could apply to the taxable portion if you take a surrender. (See “Taxes.”)

•

Withdrawal Benefit — RBA Payout Option: If you have a Withdrawal Benefit rider under your contract, you may elect the Withdrawal Benefit RBA payout option as an alternative to the above annuity payout plans. This option may not be available if the contract is issued to qualify under Sections 403 or 408 of the Code. For such contracts, this option will be available only if the guaranteed payout period is less than the life expectancy of the owner at the time the option becomes effective. Such life expectancy will be computed using life expectancy tables published by IRS. Under this option, the amount payable each year will be equal to the future schedule of GBPs, but the total amount paid over the life of the annuity will not exceed the total RBA at the time you begin this fixed payout option (see “Optional Benefits — Withdrawal Benefit”). These annualized amounts will be paid in the frequency that you elect. The frequencies will be among those offered by us at the time but will be no less frequent than annually. If, at the death of the owner, total payouts have been made for less than the RBA, the remaining payouts will be paid to the beneficiary.


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certain IRS regulations governing RMDs if the payout plan meets the incidental distribution benefit requirements, if any, and the payouts are made:


•	in equal or substantially equal payments over a period not longer than your life or over the joint life of you and your designated beneficiary; or

•	in equal or substantially equal payments over a period not longer than your life expectancy or over the joint life expectancy of you and your designated beneficiary; or

•	over a period certain not longer than your life expectancy or over the life expectancy of you and your designated beneficiary.


*		For contracts purchased in Oregon, you cannot apply your contract value to an annuity payout plan during your first contract year.

If we do not receive instructions: You must give us written instructions for the annuity payouts at least 30 days before the settlement date. If you do not, we will make payouts under Plan B, with 120 monthly payouts guaranteed. Contract values that you allocated to the fixed account will provide fixed dollar payouts and contract values that you allocated among the subaccounts will provide variable annuity payouts.

If monthly payouts would be less than $20: We will calculate the amount of monthly payouts at the time amounts are applied toe a payout plan. If the calculations show that monthly payouts would be less than $20, we have the right to pay the contract value to the owner in a lump sum or to change the frequency of the payouts.

Death after annuity payouts begin: If you die after annuity payouts begin, we will pay any amount payable to the beneficiary as provided in the annuity payout plan in effect.

Taxes

NONQUALIFIED ANNUITIES

Annuity payouts: Generally, unlike surrenders described below, the taxation of annuity payouts is subject to exclusion ratios (for fixed annuity payouts) or annual excludable amounts (for variable annuity payouts). In other words, in most cases, a portion of each payout will be ordinary income and subject to tax, and a portion of each payout will be considered a return of part of your investment in the contract and will not be taxed. All amounts you receive after your investment in the contract is fully recovered will be subject to tax. Under Annuity Payout Plan A: Life annuity — no refund, where the annuitant dies before your investment in the contract is fully recovered, the remaining portion of the unrecovered investment may be available as a federal income tax deduction to the owner for the last taxable year. Under all other annuity payout plans, where the annuity payouts end before your investment in the contract is fully recovered, the remaining portion of the unrecovered investment may be available as a federal income tax deduction to the taxpayer for the tax year in which the payouts end. (See “The Annuity Payout Period — Annuity Payout Plans.”)

You also may have to pay a 10% IRS penalty for surrenders of taxable income you make before reaching age 591/2 unless certain exceptions apply.

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distribution is any other type of payment (such as partial or full surrender) we compute federal income tax withholding using 10% of the taxable portion.

The federal income tax withholding requirements differ if we deliver payment outside the United States or you are a non-resident alien.

Net Investment Income Tax (also known as Medicare contribution tax): Effective for taxable years beginning on or after January 1, 2013, certain high-income individuals (as well as estates and trusts) are subject to a new 3.8% net investment income tax (as an addition to income taxes). For individuals, the 3.8% tax applies to the lesser of (1) the amount by which the taxpayer’s modified adjusted gross income exceeds $200,000 ($250,000 for married filing jointly and surviving spouses; $125,000 for married filing separately) or (2) the taxpayer’s “net investment income.” Net investment income includes taxable income from nonqualified annuities. Annuity holders are advised to consult their tax advisor regarding the possible implications of this additional tax.


•	because of your death or in the event of nonnatural ownership, the death of the annuitant;

•	because you become disabled (as defined in the Code);

•	if the distribution is part of a series of substantially equal periodic payments, made at least annually, over your life or life expectancy (or joint lives or life expectancies of you and your beneficiary);

•	if it is allocable to an investment before Aug. 14, 1982; or

•	if annuity payouts are made under immediate annuities as defined by the Code.

Transfer of ownership: Generally, if you transfer ownership of a nonqualified annuity without receiving adequate consideration, the transfer may be taxed as a surrender for federal income tax purposes. If the transfer is a currently taxable event for income tax purposes, the original owner will be taxed on the amount of deferred earnings at the time of the transfer and also may be subject to the 10% IRS penalty discussed earlier. In this case, the new owner’s investment in the contract will be equal to the investment in the contract at the time of the transfer plus any earnings included in the original owner’s taxable income as a result of the transfer. In general, this rule does not apply to transfers between spouses or former spouses. Similar rules apply if you transfer ownership for full consideration. Please consult your tax advisor for further details.


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exchange and subsequent surrender. As a result, there may be unexpected tax consequences. You should consult your tax advisor before taking any surrender from either contract during the 180-day period following a partial exchange. Different IRS limitations on surrenders apply to partial exchanges completed prior to October 24, 2011.

QUALIFIED ANNUITIES

Annuity payouts from Roth IRAs: In general, the entire payout from a Roth IRA can be free from income and penalty taxes if you have attained age 591/2 and meet the five year holding period.

Surrenders from Roth IRAs: In general, the entire payout from a Roth IRA can be free from income and penalty taxes if you have attained age 591/2 and meet the five year holding period.

Required Minimum Distributions: Retirement plans (except for Roth IRAs) are subject to required surrenders called required minimum distributions (“RMDs”) beginning at age 70 1/2. RMDs are based on the fair market value of your contract at year-end divided by life expectancy factor. Certain death benefits and optional riders may be considered in determining the fair market value of your contract for RMD purposes. This may cause your RMD to be higher. Inherited IRAs (including inherited Roth IRAs) are subject to special required minimum distribution rules. You should consult your tax advisor prior to making a purchase for an explanation of the potential tax implications to you.

If the payment is part of an annuity payout plan, we generally compute the amount of federal income tax withholding using payroll tables. You may provide us with a statement of how many exemptions to use in calculating the withholding. If the distribution is any other type of payment (such as a partial or full surrender) we compute federal income tax withholding using 10% of the taxable portion.

The federal income tax withholding requirements differ if we deliver payment outside the United States or you are a non-resident alien.

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You take credit for these amounts on your annual income tax return. This mandatory withholding will not be imposed if instead of receiving the distribution check, you elect to have the distribution rolled over directly to an IRA or another eligible plan. Payments made to a surviving spouse instead of being directly rolled over to an IRA are also subject to mandatory 20% income tax withholding.


•	the payout is one in a series of substantially equal periodic payouts, made at least annually, over your life or life expectancy (or the joint lives or life expectancies of you and your designated beneficiary) or over a specified period of 10 years or more;

•	the payout is a RMD as defined under the Code;

•	the payout is made on account of an eligible hardship; or

•	the payout is a corrective distribution.

State withholding also may be imposed on taxable distributions.


•	because of your death;

•	because you become disabled (as defined in the Code);

•	if the distribution is part of a series of substantially equal periodic payments made at least annually, over your life or life expectancy (or joint lives or life expectancies of you and your beneficiary);

•	if the distribution is made following severance from employment during the calendar year in which you attain age 55 (TSAs and annuities funding 401(a) plans only);

•	to pay certain medical or education expenses (IRAs only); or

•	if the distribution is made from an inherited IRA.

Assignment: You may not assign or pledge your qualified contract as collateral for a loan.

OTHER

Purchase payment credits: These are considered earnings and are taxed accordingly when surrendered or paid out.


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financial statements. Investment income is reinvested in the fund in which each subaccount invests and becomes part of that 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 annuities or in our tax status as we then understand it.

If you have any questions as to the status of your relationship as a marriage, then you should consult an appropriate tax or legal advisor.

Voting Rights

Before annuity payouts begin, the number of votes you have is determined by applying your percentage interest in each subaccount to the total number of votes allowed to the subaccount.

After annuity payouts begin, the number of votes you have is equal to:


•	the reserve held in each subaccount for your contract; divided by

•	the net asset value of one share of the applicable fund.

As we make annuity payouts, the reserve for the contract decreases; therefore, the number of votes also will decrease.

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 no longer the most suitable) for the subaccounts.

We may also:


•	add new subaccounts;

•	combine any two or more subaccounts;

80 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS


•	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. If we notify you that a subaccount will be eliminated or closed, you will have a certain period of time to tell us where to reallocate purchase payments or contract value currently allocated to that subaccount. If we do not receive your reallocation instructions by the due date, we automatically will reallocate to the subaccount investing in the RiverSource Variable Portfolio – Cash Management Fund. You may then transfer this reallocated amount in accordance with the transfer provisions of your contract (see “Transferring Between Accounts” above).

About the Service Providers

PRINCIPAL UNDERWRITER

Although we no longer offer the contract for sale, you may continue to make purchase payments if permitted under the terms of your contract. We pay commissions to an affiliated selling firm of up to 5.75% of purchase payments on the contract as well as service/trail commissions of up to 1.00% based on annual total contract value for as long as the contract remains in effect. We also may pay a temporary additional sales commission of up to 1.00% of purchase payments for a period of time we select. These commissions do not change depending on which subaccounts you choose to allocate your purchase payments.

We pay the commissions and other compensation described above from our assets. Our assets include:


•	revenues we receive from fees and expenses that you will pay when buying, owning and surrendering the contract (see “Expense Summary”);

•	compensation we or an affiliate receive from the underlying funds in the form of distribution and services fees (see “The Variable Account and the Funds — The Funds”);

•	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.


•	fees and expenses we collect from contract 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.

ISSUER

LEGAL PROCEEDINGS


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 81

marketing practices (including sales to older consumers and disclosure practices), claims handling, and unclaimed property and escheatment practices and procedures. With regard to an industry-wide investigation of unclaimed property and escheatment practices and procedures, RiverSource Life is responding to regulatory audits, market conduct examinations and other inquiries (including inquiries from the State of Minnesota and a multistate insurance department examination). RiverSource Life has cooperated and will continue to cooperate with the applicable regulators regarding their inquiries.

Additional Information

INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE

RiverSource Life is incorporating by reference in this prospectus information we file with the SEC, which means that we are disclosing important information to you by referring you to those documents. The information that we incorporate by reference is an important part of this prospectus, and later information that we file with the SEC automatically will update and supersede this information. The Annual Report on Form 10-K of RiverSource Life Insurance Company for the year ended December 31, 2013, File No. 33-28976, that we previously filed with the SEC under the Securities Exchange Act of 1934 (1934 Act) is incorporated by reference into this prospectus, as well as all of our subsequent annual reports on Form 10-K, quarterly reports on Form 10-Q and current reports on Form 8-K filed with the SEC under the 1934 Act. To access these documents, see “SEC Filings” under “Investor Relations” on our website at www.ameriprise.com.

RiverSource Life will furnish you without charge a copy of any or all of the documents incorporated by reference into this prospectus, including any exhibits to such documents which have been specifically incorporated by reference. We will do so upon receipt of your written or oral request. You can contact RiverSource Life at the telephone number and address listed on the first page of this prospectus.

AVAILABLE INFORMATION

This prospectus is part of a registration statement we file with the SEC. Additional information on RiverSource Life and on this offering is available in the registration statement and other materials we file. You can obtain copies of these materials at the SEC’s Public Reference Room at 100 F Street, N.E., N.W., Washington, D.C. 20549. You can obtain information on the operation of the Public Reference Room by calling the SEC at 1-800-SEC-0330. The SEC also maintains an Internet site that contains reports, proxy and information statements and other information regarding issuers that file electronically with the SEC. This prospectus, other information about the contract and other information incorporated by reference are available on the EDGAR Database on the SEC’s Internet site at (http://www.sec.gov).

INDEMNIFICATION

Insofar as indemnification for liabilities arising under the Securities Act of 1933 (1933 Act) may be permitted to directors and officers or persons controlling RiverSource Life pursuant to the foregoing provisions, we have been informed that in the opinion of the SEC such indemnification is against public policy as expressed in the 1933 Act and is therefore unenforceable.

82 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS

Appendix A: Example — Market Value Adjustment (MVA)

As the examples below demonstrate, the application of an MVA may result in either a gain or a loss of principal. We refer to all of the transactions described below as “early surrenders.”

General Examples

Assumptions:


•	You purchase a contract and allocate part of your purchase payment to the ten-year GPA; and

•	we guarantee an interest rate of 3.0% annually for your ten-year Guarantee Period; and

•	after three years, you decide to make a surrender from your GPA. In other words, there are seven years left in your guarantee period.

Remember that the MVA depends partly on the interest rate of a new GPA for the same number of years as the Guarantee Period remaining on your GPA. In this case, that is seven years.

Example 1: Remember that your GPA is earning 3.0%. Assume at the time of your surrender new GPAs that we offer with a seven-year Guarantee Period are earning 3.5%. We add 0.10% to the 3.5% rate to get 3.6%. Your GPA’s 3.0% rate is less than the 3.6% rate so the MVA will be negative.

Example 2: Remember again that your GPA is earning 3.0%, and assume that new GPAs that we offer with a seven-year Guarantee Period are earning 2.5%. We add 0.10% to the 2.5% rate to get 2.6%. In this example, since your GPA’s 3.0% rate is greater than the 2.6% rate, the MVA will be positive. To determine that adjustment precisely, you will have to use the formula described below.

Sample MVA Calculations

The precise MVA formula we apply is as follows:

Early withdrawal amount ×

[(

1 + ii

1 + j + .001

)

^n/12

− 1 ]

= MVA


	Where i	= rate earned in the GPA from which amounts are being transferred or surrendered.

	j	= current rate for a new Guaranteed Period equal to the remaining term in the current Guarantee Period (rounded up to the next year).

	n	= number of months remaining in the current Guarantee Period (rounded up to the next month)

Examples — MVA

Using assumptions similar to those we used in the examples above:


•	You purchase a contract and allocate part of your purchase payment to the ten-year GPA; and

•	we guarantee an interest rate of 3.0% annually for your ten-year Guarantee Period; and

•	after three years, you decide to make a $1,000 surrender from your GPA. In other words, there are seven years left in your guarantee period.

Example 1: You request an early surrender of $1,000 from your ten-year GPA earning a guaranteed interest rate of 3.0%. Assume at the time of your surrender new GPAs that we offer with a seven-year Guarantee Period are earning 3.5%. Using the formula above, we determine the MVA as follows:

$1,000 ×

[(

1.030

1 + .035 + .001)

)

^84/12

− 1]

= −$39.84

In this example, the MVA is a negative $39.84.

Example 2: You request an early surrender of $1,000 from your ten-year GPA earning a guaranteed interest rate of 3.0%. Assume at the time of your surrender new GPAs that we offer with a seven-year Guarantee Period are earning 2.5%. Using the formula above, we determine the MVA as follows:

$1,000 ×

[(

1.030

1 + .025 + .001)

)

^84/12

− 1]

= $27.61

In this example, the MVA is a positive $27.61.

We do not apply MVAs to the amounts we deduct for surrender charges, so we would deduct the surrender charge from your early surrender after we applied the MVA. Also note that when you request an early surrender, we surrender an amount from

84 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS

Appendix B: Example — Surrender Charges

Full surrender charge calculation — ten-year surrender charge schedule:

This is an example of how we calculate the surrender charge for a full surrender on a RAVA Advantage Plus contract with a ten-year surrender charge schedule with the following history:


•	we receive a single $100,000 purchase payment; and

•	you surrender the contract for its total value during the fourth contract year. The surrender charge percentage in the fourth year after a purchase payment is 7.0%; and

•	you have made no prior partial surrenders.

We will look at two situations, one where the contract has a gain and another where there is a loss:


		Contract with Gain			Contract with Loss

	Contract Value at time of full surrender:	$	120,000.00		$	80,000.00
	Contract Value on prior anniversary:		115,000.00			85,000.00
Step 1.	We determine the Total Free Amount (TFA) available in the contract as the greatest of the earnings or 10% of the prior anniversary value:
	Earnings in the contract:		20,000.00			0.00
	10% of the prior anniversary’s contract value:		11,500.00			8,500.00

	Total Free Amount:		20,000.00			8,500.00
Step 2.	We determine the TFA that is from Purchase Payments:
	Total Free Amount:		20,000.00			8,500.00
	Earnings in the contract:		20,000.00			0.00
	Purchase Payments being Surrendered Free (PPF):		0.00			8,500.00
Step 3.	We calculate the Premium Ratio (PR):
	PR = [WD – TFA] / [CV – TFA]
	WD =		120,000.00			80,000.00		= the amount of the surrender
	TFA =		20,000.00			8,500.00		= the total free amount, step 1
	CV =		120,000.00			80,000.00		= the contract value at the time of the surrender
	PR =		100%			100%		= the premium ratio
Step 4.	We calculate Chargeable Purchase Payments being Surrendered (CPP):
	CPP = PR × (PP – PPF)
	PR =		100%			100%		= premium ratio, step 3
	PP =		100,000.00			100,000.00		= purchase payments not previously surrendered
	PPF =		0.00			8,500.00		= purchase payments being surrendered free, step 2
	CPP =		100,000.00			91,500.00
Step 5.	We calculate the Surrender Charges:
	Chargeable Purchase Payments:		100,000.00			91,500.00
	Surrender Charge Percentage:		7%			7%
	Surrender Charge:		7,000.00			6,405.00
Step 6.	We calculate the Net Surrender Value:		120,000.00			80,000.00
	Contract Value Surrendered:		(7,000.00	)		(6,405.00	)
	Contract Charge (assessed upon full surrender):		(30.00	)		(30.00	)
	Net Full Surrender Proceeds:		112,970.00			73,565.00

86 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS

Partial surrender charge calculation — ten-year surrender charge schedule:

This is an example of how we calculate the surrender charge for a partial surrender on a RAVA Advantage Plus contract with a ten-year surrender charge schedule with the following history:


•	we receive a single $100,000 purchase payment; and

•	you request a gross partial surrender of $50,000 during the fourth contract year. The surrender charge percentage is 7.0%; and

•	you have made no prior partial surrenders.

We will look at two situations, one where the contract has a gain and another where there is a loss:


		Contract with Gain			Contract with Loss

	Contract Value at time of partial surrender:	$	120,000.00		$	80,000.00
	Contract Value on prior anniversary:		115,000.00			85,000.00
Step 1.	We determine the Total Free Amount (TFA) available in the contract as the greatest of the earnings or 10% of the prior anniversary value:
	Earnings in the contract:		20,000.00			0.00
	10% of the prior anniversary’s contract value:		11,500.00			8,500.00

	Total Free Amount:		20,000.00			8,500.00
Step 2.	We determine the TFA that is from Purchase Payments:
	Total Free Amount:		20,000.00			8,500.00
	Earnings in the contract:		20,000.00			0.00
	Purchase Payments being Surrendered Free (PPF):		0.00			8,500.00
Step 3.	We calculate the Premium Ratio (PR):
	PR = [WD – TFA] / [CV – TFA]
	WD =		50,000.00			50,000.00		= the amount of the surrender
	TFA =		20,000.00			8,500.00		= the total free amount, step 1
	CV =		120,000.00			80,000.00		= the contract value at the time of surrender
	PR =		30%			58%		= the premium ratio
Step 4.	We calculate the Chargeable Purchase Payments being Surrendered (CPP):
	CPP = PR × (PP – PPF)
	PR =		30%			58%		= premium ratio, step 3
	PP =		100,000.00			100,000.00		= purchase payments not previously surrendered
	PPF =		0.00			8,500.00		= purchase payments being surrendered free, step 2
	CPP =		30,000.00			53,108.39		= chargeable purchase payments being surrendered
Step 5.	We calculate the Surrender Charges:
	Chargeable Purchase Payments:		30,000.00			53,108.39
	Surrender Charge Percentage:		7%			7%
	Surrender Charge:		2,100			3,718
Step 6.	We calculate the Net Surrender Value:
	Contract Value Surrendered:		50,000.00			50,000.00
	Surrender Charge:		(2,100.00	)		(3,717.59	)
	Net Partial Surrender Proceeds:		47,900.00			46,282.41


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 87

Full surrender charge calculation — three-year surrender charge schedule:

This is an example of how we calculate the surrender charge for a full surrender on a RAVA Select Plus contract with a three-year surrender charge schedule with the following history:


•	we receive a single $100,000 purchase payment; and

•	you surrender the contract for its total value during the second contract year. The surrender charge percentage in the year after a purchase payment is 7.0%; and

•	you have made no prior partial surrenders.

We will look at two situations, one where the contract has a gain and another where there is a loss:


		Contract with Gain			Contract with Loss

	Contract Value at time of full surrender:	$	120,000.00		$	80,000.00
	Contract Value on prior anniversary:		115,000.00			85,000.00
Step 1.	We determine the Total Free Amount (TFA) available in the contract as the greatest of the earnings or 10% of the prior anniversary value:
	Earnings in the Contract:		20,000.00			0.00
	10% of the prior anniversary’s contract value:		11,500.00			8,500.00

	Total Free Amount:		20,000.00			8,500.00
Step 2.	We determine the TFA and Amount Free that is from Purchase Payments:
	Total Free Amount:		20,000.00			8,500.00
	Earnings in the contract:		20,000.00			0.00
	Purchase Payments being Surrendered Free (PPF):		0.00			8,500.00
Step 3.	We calculate the Premium Ratio (PR):
	PR = [WD – TFA] / [CV – TFA]
	WD =		120,000.00			80,000.00		= the amount of the surrender
	TFA =		20,000.00			8,500.00		= the total free amount, step 1
	CV =		120,000.00			80,000.00		= the contract value at the time of the surrender
	PR =		100%			100%
Step 4.	We calculate Chargeable Purchase Payments being Surrendered (CPP):
	CPP = PR × (PP – PPF)
	PR =		100%			100%		= premium ratio, step 3
	PP =		100,000.00			100,000.00		= purchase payments not previously surrendered
	PPF =		0.00			8,500.00		= purchase payments being surrendered free, step 2
	CPP =		100,000.00			91,500.00
Step 5.	We calculate the Surrender Charges:
	Chargeable Purchase Payments:		100,000.00			91,500.00
	Surrender Charge Percentage:		7%			7%
	Surrender Charge:		7,000.00			6,405.00
Step 6.	We calculate the Net Surrender Value:		120,000.00			80,000.00
	Contract Value Surrendered:		(7,000.00	)		(6,405.00	)
	Contract Charge (assessed upon full surrender):		(30.00	)		(30.00	)
	Net Full Surrender Proceeds:		112,970.00			73,565.00

88 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS

Partial surrender charge calculation — three-year surrender charge schedule:

This is an example of how we calculate the surrender charge for a partial surrender on a RAVA Select Plus contract with a three-year surrender charge schedule with the following history:


•	we receive a single $100,000 purchase payment; and

•	you request a gross partial surrender of $50,000 during the second contract year. The surrender charge percentage is 7.0%; and

•	you have made no prior partial surrenders.

We will look at two situations, one where the contract has a gain and another where there is a loss:


		Contract with Gain			Contract with Loss

	Contract Value at time of partial surrender:	$	120,000.00		$	80,000.00
	Contract Value on prior anniversary:		115,000.00			85,000.00
Step 1.	We determine the Total Free Amount (TFA) available in the contract as the greatest of the earnings or 10% of the prior anniversary value:
	Earnings in the contract:		20,000.00			0.00
	10% of the prior anniversary’s contract value:		11,500.00			8,500.00

	Total Free Amount:		20,000.00			8,500.00
Step 2.	We determine the Amount Free that is from Purchase Payments:
	Total Free Amount:		20,000.00			8,500.00
	Earnings in the contract:		20,000.00			0.00
	Purchase Payments being Surrendered Free (PPF):		0.00			8,500.00
Step 3.	We calculate the Premium Ratio (PR):
	PR = [WD – TFA] / [CV – TFA]
	WD =		50,000.00			50,000.00		= the amount of the surrender
	TFA =		20,000.00			8,500.00		= the total free amount, step 1
	CV =		120,000.00			80,000.00		= the contract value at the time of surrender
	PR =		30%			58%		= the premium ratio
Step 4.	We calculate the Chargeable Purchase Payments being Surrendered (CPP):
	CPP = PR × (PP – PPF)
	PR =		30%			58%		= premium ratio, step 3
	PP =		100,000.00			100,000.00		= purchase payments not previously surrendered
	PPF =		0.00			8,500.00		= purchase payments being surrendered free, step 2
	CPP =		30,000.00			53,108.39		= chargeable purchase payments being surrendered
Step 5.	We calculate the Surrender Charges:
	Chargeable Purchase Payments:		30,000.00			53,108.39
	Surrender Charge Percentage:		7%			7%
	Surrender Charge:		2,100			3,718
Step 6.	We calculate the Net Surrender Value:
	Contract Value Surrendered:		50,000.00			50,000.00
	Surrender Charge:		(2,100.00	)		(3,717.59	)
	Net Partial Surrender Proceeds:		47,900.00			46,282.41


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 89


•	You take withdrawals equal to the GBP (which is 7% of the GBA or $7,000) at the beginning of each contract year until the RBA is exhausted.


	Contract Value		Withdrawal		Contract Value
Contract Year	(Beginning of Year)		(Beginning of Year)		(End of Year)		GBA		RBA

1	$	100,000	$	7,000	$	87,820	$	100,000	$	93,000

2		87,820		7,000		76,318		100,000		86,000

3		76,318		7,000		65,457		100,000		79,000

4		65,457		7,000		55,201		100,000		72,000

5		55,201		7,000		45,516		100,000		65,000

6		45,516		7,000		36,371		100,000		58,000

7		36,371		7,000		27,735		100,000		51,000

8		27,735		7,000		19,550		100,000		44,000

9		19,550		7,000		11,821		100,000		37,000

10		11,821		7,000		4,523		100,000		30,000

11		4,523		7,000		0		100,000		23,000

12		0		7,000		0		100,000		16,000

13		0		7,000		0		100,000		9,000

14		0		7,000		0		100,000		2,000

15		0		2,000		0		100,000		0

Example — ROPP Death Benefit


•	You purchase the contract (with the ROPP rider) with a payment of $20,000.

•	The contract value falls to $18,000, at which point you take a $1,500 partial surrender, leaving a contract value of $16,500.


We calculate the death benefit as follows:
	The total purchase payments minus adjustments for partial surrenders:
	Total purchase payments		$20,000
	minus adjusted partial surrenders, calculated as:
	$1,500 × $20,000 $18,000	=	−1,667

	for a death benefit of:		$18,333

Example — MAV Death Benefit


•	You purchase the contract (with the MAV rider) with a payment of $20,000.

•	On the first contract anniversary the contract value grows to $24,000.

•	During the second contract year the contract value falls to $22,000, at which point you take a $1,500 partial surrender, leaving a contract value of $20,500.


We calculate the death benefit as follows:
	The maximum anniversary value immediately preceding the date of death plus any payments made since that anniversary minus adjusted partial surrenders:
	Greatest of your contract anniversary contract values:		$24,000
	plus purchase payments made since that anniversary:		+0
	minus adjusted partial surrenders, calculated as:
	$1,500 × $24,000 $22,000	=	−1,636

	for a death benefit of:		$22,364

Example — 5-Year MAV Death Benefit


•	You purchase the contract (with the 5-Year MAV rider) with a payment of $20,000.

•	On the fifth contract anniversary the contract value grows to $30,000.

•	During the sixth contract year the contract value falls to $25,000, at which point you take a $1,500 partial surrender, leaving a contract value of $23,500.


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 91


We calculate the death benefit as follows:
	The maximum 5-year anniversary value immediately preceding the date of death plus any payments made since that anniversary minus adjusted partial surrenders:
	Greatest of your 5-year contract anniversary contract values:		$30,000
	plus purchase payments made since that anniversary:		+0
	minus adjusted partial surrenders, calculated as:
	$1,500 × $30,000 $25,000	=	−1,800

	for a death benefit of:		$28,200

Example — EEB Death Benefit


•	You purchase the contract with a payment of $100,000 and you are under age 70. You select the seven-year surrender charge schedule, the MAV and the EEB.

•	During the first contract year the contract value grows to $105,000. The death benefit equals the standard death benefit, which is the contract value less purchase payment credits reversed, or $104,000. You have not reached the first contract anniversary so the EEB does not provide any additional benefit at this time.

•	On the first contract anniversary the contract value grows to $110,000. The death benefit equals:


MAV death benefit amount (contract value):			$110,000
plus the EEB which equals 40% of earnings at death (MAV death benefit amount minus payments not previously surrendered):
0.40 × ($110,000 − $100,000) =			+4,000

Total death benefit of:			$114,000


•	On the second contract anniversary the contract value falls to $105,000. The death benefit equals:


MAV death benefit amount (maximum anniversary value):			$110,000
plus the EEB (40% of earnings at death):
0.40 × ($110,000 − $100,000) =			+4,000

Total death benefit of:			$114,000

•

During the third contract year the contract value remains at $105,000 and you request a partial surrender, including the applicable 7% surrender charge, of $50,000. We will surrender $10,500 from your contract value free of charge (10% of your prior anniversary’s contract value). The remainder of the surrender is subject to a 7% surrender charge because your purchase payment is two years old, so we will surrender $39,500 ($36,735 + $2,765 in surrender charges) from your contract value. Altogether, we will surrender $50,000 and pay you $47,235. We calculate purchase payments not previously surrendered as $100,000 − $45,000 = $55,000 (remember that $5,000 of the partial surrender is contract earnings). The death benefit equals:

MAV death benefit amount (maximum anniversary value adjusted for partial surrenders):

$110,000 −

($50,000 × $110,000)

$105,000

$57,619

plus the EEB (40% of earnings at death):

0.40 × ($57,619 − $55,000) =

+1,048

Total death benefit of:

$58,667


•	On the third contract anniversary the contract value falls by $40,000. The death benefit remains at $58,667. The reduction in contract value has no effect.

•	On the ninth contract anniversary the contract value grows to a new high of $200,000. Earnings at death reaches its maximum of 250% of purchase payments not previously surrendered that are one or more years old. The death benefit equals:


MAV death benefit amount (contract value):			$200,000
plus the EEB (40% of earnings at death)
0.40 × 2.50 × ($55,000) =			+55,000

Total death benefit of:			$255,000

92 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS


•	During the tenth contract year you make an additional purchase payment of $50,000 and your contract value grows to $250,500. The new purchase payment is less than one year old and so it has no effect on the EEB. The death benefit equals:


MAV death benefit amount (contract value less purchase payment credits reversed)			$250,000
plus the EEB (40% of earnings at death)
0.40 × 2.50 × ($55,000) =			+55,000

Total death benefit of:			$305,000


•	During the eleventh contract year the contract value remains $250,500 and the “new” purchase payment is now one year old. The value of the EEB changes. The death benefit equals:


MAV death benefit amount (contract value):			$250,500
plus the EEB which equals 40% of earnings at death (the standard death benefit amount minus payments not previously surrendered):
0.40 × ($250,500 − $105,000) =			+58,200

Total death benefit of:			$308,700

Example — EEP Death Benefit


•	You purchase the contract with an exchange purchase payment of $100,000 and you are under age 70. You select the seven-year surrender charge schedule, the MAV and the EEP.

•	During the first contract year the contract value grows to $105,000. The death benefit equals the standard death benefit amount, which is the contract value less purchase payment credits reversed, or $104,000. You have not reached the first contract anniversary so neither the EEP Part I nor Part II provides any additional benefit at this time.

•	On the first contract anniversary the contract value grows to $110,000. You have not reached the second contract anniversary so the EEP Part II does not provide any additional benefit at this time. The death benefit equals:


MAV death benefit amount (contract value):			$110,000
plus the EEP Part I which equals 40% of earnings at death (the MAV death benefit amount minus purchase payments not previously surrendered):
0.40 × ($110,000 − $100,000) =			+4,000

Total death benefit of:			$114,000


•	On the second contract anniversary the contract value falls to $105,000. The death benefit equals:


MAV death benefit amount (maximum anniversary value):			$110,000
plus the EEP Part I (40% of earnings at death):
0.40 × ($110,000 − $100,000) =			+4,000
plus the EEP Part II which in the third contract year
equals 10% of exchange purchase payments identified at issue and not previously surrendered:
0.10 × $100,000 =			+10,000

Total death benefit of:			$124,000


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 93

•

During the third contract year the contract value remains at $105,000 and you request a partial surrender, including the applicable 7% surrender charge, of $50,000. We will surrender $10,500 from your contract value free of charge (10% of your prior anniversary’s contract value). The remainder of the surrender is subject to a 7% surrender charge because your purchase payment is two years old, so we will surrender $39,500 ($36,735 + $2,765 in surrender charges) from your contract value. Altogether, we will surrender $50,000 and pay you $47,235. We calculate purchase payments not previously surrendered as $100,000 − $45,000 = $55,000 (remember that $5,000 of the partial surrender is contract earnings). The death benefit equals:

MAV death benefit amount (maximum anniversary value adjusted for partial surrenders):

$110,000 −

($50,000 × $110,000)

$105,000

$57,619

plus the EEP Part I (40% of earnings at death):

0.40 × ($57,619 − $55,000) =

+1,048

plus the EEP Part II which in the third contract year

equals 10% of exchange purchase payments identified at
issue and not previously surrendered:

0.10 × $55,000 =

+5,500

Total death benefit of:

$64,167


•	On the third contract anniversary the contract value falls by $40,000. The death benefit remains at $64,167. The reduction in contract value has no effect.

•	On the ninth contract anniversary the contract value grows to a new high of $200,000. Earnings at death reaches its maximum of 250% of purchase payments not previously surrendered that are one or more years old. Because we are beyond the fourth contract anniversary the EEP also reaches its maximum of 20%. The death benefit equals:


MAV death benefit amount (contract value):			$200,000
plus the EEP Part I (40% of earnings at death)
.40 × (2.50 × $55,000) =			+55,000
plus the EEP Part II which after the fourth contract year equals 20% of exchange purchase payments identified at issue and not previously surrendered: 0.20 × $55,000 =			+11,000

Total death benefit of:			$266,000


•	During the tenth contract year you make an additional purchase payment of $50,000 and your contract value grows to $250,500. The new purchase payment is less than one year old and so it has no effect on either the EEP Part I or EEP Part II. The death benefit equals:


MAV death benefit amount (contract value less purchase payment credits reversed):			$250,000
plus the EEP Part I (40% of earnings at death) .40 × (2.50 × $55,000) =			+55,000
plus the EEP Part II, which after the fourth contract year equals 20% of exchange purchase payments identified at issue and Not previously surrendered: 0.20 × $55,000 =			+11,000

Total death benefit of:			$316,000


•	During the eleventh contract year the contract value remains $250,500 and the “new” purchase payment is now one year old. The value of the EEP Part I changes but the value of the EEP Part II remains constant. The death benefit equals:


MAV death benefit amount (contract value):			$250,500
the EEP Part I which equals 40% of earnings at death (the MAV death benefit minus payments not previously surrendered): 0.40 × ($250,500 − $105,000) =			+58,200
plus the EEP Part II, which after the fourth contract year equals 20% of exchange purchase payments identified at issue And not previously surrendered: 0.20 × $55,000 =			+11,000

Total death benefit of:			$319,700

94 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS

Appendix D: Example — Withdrawal Benefit Riders: Electing Step Up or Spousal Continuation Step Up

Assumptions:

This example assumes that the covered person (for joint life, younger covered spouse) is 65 or older and there are no additional purchase payments or withdrawals.


•	You own a RiverSource variable annuity with a withdrawal benefit rider. You are currently invested in the Variable Portfolio — Moderately Aggressive Portfolio (Class 2) (a Portfolio Navigator fund) with a current rider fee of 0.65%.

Your Contract Value (CV) is $100,000 and your withdrawal benefit rider currently provides the following benefits:


	1)	You can withdraw $6,000 a year for the rest of your life. This is your Annual Lifetime Payment. Or


	2)	You can withdraw $7,000 a year until you have withdrawn a total of $100,000. This is your Guaranteed Benefit Payment.

Based on your current CV, you will pay a rider fee of approximately $650 on your next annuity contract anniversary.


•	The annual fee for this rider has increased to 0.95% for clients invested in the Variable Portfolio — Moderately Aggressive Portfolio (Class 2).

The following compares certain options available to you. Changes to rider values or fees are presented for two different scenarios where your CV increases to either $110,000 or $101,000 over the contract year:


	1)	Elect to lock in your contract gains to your benefit values (Step up):


	CV of $110,000			CV of $101,000
Increase in Annual Lifetime Payment	$	600		$	60
Increase in Guaranteed Benefit Payment	$	700		$	70
Increase in Annual Rider Fee		0.30	%		0.30	%
Increase in Annual Contract Charge	$	330		$	303

Automatic Step ups will continue on your next anniversary (if available under your rider).


	2)	Do not elect to lock in your contract gains (no Step up):


	CV of $110,000			CV of $101,000
Increase in Annual Lifetime Payment	$	0		$	0
Increase in Guaranteed Benefit Payment	$	0		$	0
Increase in Annual Rider Fee		0	%		0	%
Increase in Annual Contract Charge	$	65		$	6.50

Your rider fee will not change, although the dollar amount of your annual charge will change as your CV changes. On your next anniversary, you will again have the option to elect the Step up (lock in contract gains)


	3)	Move to one of the Portfolio Stabilizer funds and elect the Step up:


	CV of $110,000			CV of $101,000
Increase in Annual Lifetime Payment	$	600		$	60
Increase in Guaranteed Benefit Payment	$	700		$	70
Increase in Annual Rider Fee		0	%		0	%
Increase in Annual Contract Charge	$	65		$	6.50

Your rider fee will not change, although the dollar amount of your annual charge will change as your CV changes. Automatic Step ups will continue on your next anniversary (if available under your rider).

The above example is for illustrative purposes only. The assumptions and calculations used are not intended to be consistent with any one rider, but instead are intended to provide an idea of how different scenarios would operate. Your specific rider may use different calculations for fees or have different benefits available. For a full description and rules applicable to Step up options under your rider, please see the “Optional Living Benefits” section.

Electing to Step up may result in different increases to the annual rider charge relative to the increase in your rider values. You should weigh the resulting increased charge due to the Step up versus the increases to your benefits to determine the option that is best for you.


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 95

Appendix E: Condensed Financial Information (Unaudited)


Variable account charges of 0.55% of the daily net assets of the variable account.
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


AllianceBernstein VPS Dynamic Asset Allocation Portfolio (Class B) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.07		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		33		—		—		—		—		—		—		—		—		—

AllianceBernstein VPS Global Thematic Growth Portfolio (Class B) (11/01/2005)
Accumulation unit value at beginning of period		$1.10		$0.97		$1.28		$1.08		$0.71		$1.36		$1.14		$1.06		$1.00		—
Accumulation unit value at end of period		$1.34		$1.10		$0.97		$1.28		$1.08		$0.71		$1.36		$1.14		$1.06		—
Number of accumulation units outstanding at end of period (000 omitted)		37		48		60		76		69		49		61		653		144		—

AllianceBernstein VPS Growth and Income Portfolio (Class B) (08/13/2001)
Accumulation unit value at beginning of period		$1.33		$1.14		$1.08		$0.97		$0.81		$1.37		$1.31		$1.13		$1.09		$0.98
Accumulation unit value at end of period		$1.79		$1.33		$1.14		$1.08		$0.97		$0.81		$1.37		$1.31		$1.13		$1.09
Number of accumulation units outstanding at end of period (000 omitted)		213		310		314		321		388		452		1,081		1,374		1,186		726

AllianceBernstein VPS International Value Portfolio (Class B) (08/13/2001)
Accumulation unit value at beginning of period		$1.57		$1.38		$1.72		$1.66		$1.24		$2.68		$2.55		$1.90		$1.64		$1.32
Accumulation unit value at end of period		$1.91		$1.57		$1.38		$1.72		$1.66		$1.24		$2.68		$2.55		$1.90		$1.64
Number of accumulation units outstanding at end of period (000 omitted)		675		856		982		1,076		1,925		3,352		3,600		3,592		2,607		984

ALPS/Alerian Energy Infrastructure Portfolio: Class III (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.07		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		223		—		—		—		—		—		—		—		—		—

American Century VP International, Class II (08/13/2001)
Accumulation unit value at beginning of period		$1.47		$1.22		$1.39		$1.24		$0.93		$1.70		$1.45		$1.17		$1.04		$0.91
Accumulation unit value at end of period		$1.78		$1.47		$1.22		$1.39		$1.24		$0.93		$1.70		$1.45		$1.17		$1.04
Number of accumulation units outstanding at end of period (000 omitted)		141		48		48		65		263		286		389		365		314		127

American Century VP Mid Cap Value, Class II (05/01/2007)
Accumulation unit value at beginning of period		$1.18		$1.02		$1.04		$0.88		$0.68		$0.90		$1.00		—		—		—
Accumulation unit value at end of period		$1.53		$1.18		$1.02		$1.04		$0.88		$0.68		$0.90		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		445		385		101		153		1,289		1,327		1,710		—		—		—

American Century VP Ultra^®, Class II (11/01/2005)
Accumulation unit value at beginning of period		$1.21		$1.07		$1.07		$0.93		$0.69		$1.20		$1.00		$1.04		$1.00		—
Accumulation unit value at end of period		$1.65		$1.21		$1.07		$1.07		$0.93		$0.69		$1.20		$1.00		$1.04		—
Number of accumulation units outstanding at end of period (000 omitted)		81		80		98		73		91		72		187		2,939		618		—

American Century VP Value, Class II (08/13/2001)
Accumulation unit value at beginning of period		$1.68		$1.48		$1.47		$1.31		$1.10		$1.51		$1.61		$1.36		$1.31		$1.15
Accumulation unit value at end of period		$2.20		$1.68		$1.48		$1.47		$1.31		$1.10		$1.51		$1.61		$1.36		$1.31
Number of accumulation units outstanding at end of period (000 omitted)		374		431		570		525		469		483		848		1,060		1,104		1,064

BlackRock Global Allocation V.I. Fund (Class III) (04/30/2012)
Accumulation unit value at beginning of period		$1.03		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.17		$1.03		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		130		103		—		—		—		—		—		—		—		—

Calvert VP SRI Balanced Portfolio (05/01/2000)
Accumulation unit value at beginning of period		$1.26		$1.14		$1.10		$0.99		$0.79		$1.16		$1.13		$1.05		$1.00		$0.93
Accumulation unit value at end of period		$1.47		$1.26		$1.14		$1.10		$0.99		$0.79		$1.16		$1.13		$1.05		$1.00
Number of accumulation units outstanding at end of period (000 omitted)		2		5		6		6		10		24		21		18		5		54

ClearBridge Variable Small Cap Growth Portfolio – Class I (04/27/2007)
Accumulation unit value at beginning of period		$1.27		$1.07		$1.06		$0.85		$0.60		$1.02		$1.00		—		—		—
Accumulation unit value at end of period		$1.86		$1.27		$1.07		$1.06		$0.85		$0.60		$1.02		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		46		73		49		109		136		127		65		—		—		—

Columbia Variable Portfolio – Balanced Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$1.41		$1.24		$1.22		$1.09		$0.88		$1.26		$1.25		$1.10		$1.06		$0.97
Accumulation unit value at end of period		$1.70		$1.41		$1.24		$1.22		$1.09		$0.88		$1.26		$1.25		$1.10		$1.06
Number of accumulation units outstanding at end of period (000 omitted)		428		363		580		634		733		602		372		459		623		257

96 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 0.55% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Columbia Variable Portfolio – Cash Management Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$1.22		$1.23		$1.23		$1.24		$1.25		$1.22		$1.17		$1.13		$1.11		$1.11
Accumulation unit value at end of period		$1.21		$1.22		$1.23		$1.23		$1.24		$1.25		$1.22		$1.17		$1.13		$1.11
Number of accumulation units outstanding at end of period (000 omitted)		441		309		514		613		2,492		10,988		11,779		8,286		4,504		2,098

Columbia Variable Portfolio – Commodity Strategy Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.93		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Contrarian Core Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.22		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		42		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Core Bond Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.96		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Diversified Bond Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$1.85		$1.73		$1.63		$1.51		$1.33		$1.43		$1.36		$1.31		$1.29		$1.24
Accumulation unit value at end of period		$1.79		$1.85		$1.73		$1.63		$1.51		$1.33		$1.43		$1.36		$1.31		$1.29
Number of accumulation units outstanding at end of period (000 omitted)		1,574		2,726		2,923		3,828		10,140		8,140		9,540		7,272		3,619		2,145

Columbia Variable Portfolio – Dividend Opportunity Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$1.83		$1.62		$1.71		$1.47		$1.16		$1.96		$1.83		$1.53		$1.36		$1.16
Accumulation unit value at end of period		$2.31		$1.83		$1.62		$1.71		$1.47		$1.16		$1.96		$1.83		$1.53		$1.36
Number of accumulation units outstanding at end of period (000 omitted)		1,443		1,536		1,770		2,153		7,610		8,565		9,289		9,434		5,165		3,041

Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.91		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		43		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Emerging Markets Fund (Class 3) (05/01/2000)
Accumulation unit value at beginning of period		$2.59		$2.16		$2.75		$2.31		$1.33		$2.90		$2.11		$1.58		$1.19		$0.96
Accumulation unit value at end of period		$2.53		$2.59		$2.16		$2.75		$2.31		$1.33		$2.90		$2.11		$1.58		$1.19
Number of accumulation units outstanding at end of period (000 omitted)		738		743		843		1,028		1,522		2,437		1,993		2,144		1,491		475

Columbia Variable Portfolio – Global Bond Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$2.01		$1.90		$1.82		$1.72		$1.55		$1.56		$1.46		$1.38		$1.46		$1.33
Accumulation unit value at end of period		$1.84		$2.01		$1.90		$1.82		$1.72		$1.55		$1.56		$1.46		$1.38		$1.46
Number of accumulation units outstanding at end of period (000 omitted)		726		1,005		1,122		1,599		3,215		2,861		3,115		2,645		1,377		741

Columbia Variable Portfolio – High Yield Bond Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$2.20		$1.91		$1.82		$1.61		$1.05		$1.41		$1.39		$1.26		$1.22		$1.10
Accumulation unit value at end of period		$2.32		$2.20		$1.91		$1.82		$1.61		$1.05		$1.41		$1.39		$1.26		$1.22
Number of accumulation units outstanding at end of period (000 omitted)		847		722		695		706		639		713		1,605		1,925		2,397		2,886

Columbia Variable Portfolio – Income Opportunities Fund (Class 2) (04/26/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.90		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		435		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Income Opportunities Fund (Class 3) (09/13/2004)
Accumulation unit value at beginning of period		$1.82		$1.59		$1.51		$1.34		$0.95		$1.17		$1.15		$1.07		$1.04		$1.00
Accumulation unit value at end of period		$1.90		$1.82		$1.59		$1.51		$1.34		$0.95		$1.17		$1.15		$1.07		$1.04
Number of accumulation units outstanding at end of period (000 omitted)		924		2,007		1,306		1,132		5,111		2,233		2,599		2,358		493		—

Columbia Variable Portfolio – International Opportunity Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$1.11		$0.95		$1.09		$0.96		$0.76		$1.28		$1.14		$0.92		$0.82		$0.70
Accumulation unit value at end of period		$1.35		$1.11		$0.95		$1.09		$0.96		$0.76		$1.28		$1.14		$0.92		$0.82
Number of accumulation units outstanding at end of period (000 omitted)		323		346		363		399		910		1,080		1,307		1,343		1,252		848

Columbia Variable Portfolio – Large Cap Growth Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$0.76		$0.64		$0.66		$0.57		$0.42		$0.75		$0.73		$0.67		$0.62		$0.57
Accumulation unit value at end of period		$0.99		$0.76		$0.64		$0.66		$0.57		$0.42		$0.75		$0.73		$0.67		$0.62
Number of accumulation units outstanding at end of period (000 omitted)		1,278		1,240		1,358		1,192		2,260		2,601		3,768		6,049		6,193		2,153

Columbia Variable Portfolio – Large Core Quantitative Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$0.97		$0.86		$0.82		$0.70		$0.57		$0.99		$0.97		$0.85		$0.80		$0.76
Accumulation unit value at end of period		$1.30		$0.97		$0.86		$0.82		$0.70		$0.57		$0.99		$0.97		$0.85		$0.80
Number of accumulation units outstanding at end of period (000 omitted)		386		508		464		565		877		1,397		1,682		2,453		3,121		1,484


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 97


Variable account charges of 0.55% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Columbia Variable Portfolio – Managed Volatility Conservative Fund (Class 2) (11/18/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.00		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2) (11/18/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.01		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Managed Volatility Growth Fund (Class 2) (11/18/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.03		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		6,029		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Managed Volatility Moderate Growth Fund (Class 2) (11/18/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.02		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		3,575		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Marsico Growth Fund (Class 1) (05/01/2006)
Accumulation unit value at beginning of period		$1.19		$1.06		$1.10		$0.91		$0.72		$1.20		$1.02		$1.00		—		—
Accumulation unit value at end of period		$1.60		$1.19		$1.06		$1.10		$0.91		$0.72		$1.20		$1.02		—		—
Number of accumulation units outstanding at end of period (000 omitted)		711		667		767		699		7,497		6,506		5,466		2,834		—		—

Columbia Variable Portfolio – Marsico International Opportunities Fund (Class 2) (05/01/2006)
Accumulation unit value at beginning of period		$0.99		$0.84		$1.01		$0.89		$0.65		$1.27		$1.07		$1.00		—		—
Accumulation unit value at end of period		$1.18		$0.99		$0.84		$1.01		$0.89		$0.65		$1.27		$1.07		—		—
Number of accumulation units outstanding at end of period (000 omitted)		579		502		509		459		810		730		772		2,194		—		—

Columbia Variable Portfolio – Mid Cap Growth Opportunity Fund (Class 3) (05/01/2001)
Accumulation unit value at beginning of period		$1.48		$1.34		$1.58		$1.26		$0.78		$1.41		$1.25		$1.26		$1.15		$1.06
Accumulation unit value at end of period		$1.93		$1.48		$1.34		$1.58		$1.26		$0.78		$1.41		$1.25		$1.26		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		90		128		124		238		363		242		268		450		655		523

Columbia Variable Portfolio – Mid Cap Value Opportunity Fund (Class 3) (05/02/2005)
Accumulation unit value at beginning of period		$1.50		$1.28		$1.40		$1.15		$0.82		$1.50		$1.37		$1.20		$1.00		—
Accumulation unit value at end of period		$2.06		$1.50		$1.28		$1.40		$1.15		$0.82		$1.50		$1.37		$1.20		—
Number of accumulation units outstanding at end of period (000 omitted)		370		385		467		338		1,292		1,658		1,406		2,575		115		—

Columbia Variable Portfolio – Multi-Strategy Alternatives Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.95		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – S&P 500 Index Fund (Class 3) (05/01/2000)
Accumulation unit value at beginning of period		$1.09		$0.95		$0.94		$0.83		$0.66		$1.05		$1.01		$0.88		$0.85		$0.77
Accumulation unit value at end of period		$1.43		$1.09		$0.95		$0.94		$0.83		$0.66		$1.05		$1.01		$0.88		$0.85
Number of accumulation units outstanding at end of period (000 omitted)		185		209		127		314		741		1,447		1,022		1,170		2,054		1,958

Columbia Variable Portfolio – Select Large-Cap Value Fund (Class 3) (02/04/2004)
Accumulation unit value at beginning of period		$1.40		$1.18		$1.21		$1.01		$0.81		$1.34		$1.35		$1.14		$1.10		$1.00
Accumulation unit value at end of period		$1.91		$1.40		$1.18		$1.21		$1.01		$0.81		$1.34		$1.35		$1.14		$1.10
Number of accumulation units outstanding at end of period (000 omitted)		282		205		198		120		195		67		67		184		92		65

Columbia Variable Portfolio – Select Smaller-Cap Value Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$1.94		$1.66		$1.82		$1.44		$1.04		$1.70		$1.79		$1.61		$1.54		$1.31
Accumulation unit value at end of period		$2.87		$1.94		$1.66		$1.82		$1.44		$1.04		$1.70		$1.79		$1.61		$1.54
Number of accumulation units outstanding at end of period (000 omitted)		127		126		152		71		57		113		214		333		514		779

Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 3) (09/15/1999)
Accumulation unit value at beginning of period		$1.42		$1.41		$1.39		$1.36		$1.30		$1.34		$1.28		$1.24		$1.23		$1.22
Accumulation unit value at end of period		$1.39		$1.42		$1.41		$1.39		$1.36		$1.30		$1.34		$1.28		$1.24		$1.23
Number of accumulation units outstanding at end of period (000 omitted)		234		494		1,843		1,670		825		1,394		817		493		688		870

Credit Suisse Trust – Commodity Return Strategy Portfolio (05/01/2006)
Accumulation unit value at beginning of period		$0.87		$0.90		$1.03		$0.89		$0.75		$1.13		$0.97		$1.00		—		—
Accumulation unit value at end of period		$0.78		$0.87		$0.90		$1.03		$0.89		$0.75		$1.13		$0.97		—		—
Number of accumulation units outstanding at end of period (000 omitted)		635		624		617		533		605		506		677		1,600		—		—

DWS Alternative Asset Allocation VIP, Class B (04/30/2012)
Accumulation unit value at beginning of period		$1.00		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.00		$1.00		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		160		60		—		—		—		—		—		—		—		—

98 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 0.55% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Eaton Vance VT Floating-Rate Income Fund (05/01/2006)
Accumulation unit value at beginning of period		$1.28		$1.20		$1.18		$1.08		$0.76		$1.04		$1.03		$1.00		—		—
Accumulation unit value at end of period		$1.32		$1.28		$1.20		$1.18		$1.08		$0.76		$1.04		$1.03		—		—
Number of accumulation units outstanding at end of period (000 omitted)		3,678		1,490		1,730		1,433		2,787		2,025		2,116		2,567		—		—

Fidelity^® VIP Contrafund^® Portfolio Service Class 2 (05/01/2006)
Accumulation unit value at beginning of period		$1.20		$1.04		$1.08		$0.93		$0.69		$1.21		$1.03		$1.00		—		—
Accumulation unit value at end of period		$1.57		$1.20		$1.04		$1.08		$0.93		$0.69		$1.21		$1.03		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,861		2,280		2,496		2,532		4,368		8,518		7,443		6,582		—		—

Fidelity^® VIP Growth & Income Portfolio Service Class 2 (08/13/2001)
Accumulation unit value at beginning of period		$1.40		$1.19		$1.18		$1.04		$0.82		$1.42		$1.28		$1.14		$1.06		$1.01
Accumulation unit value at end of period		$1.85		$1.40		$1.19		$1.18		$1.04		$0.82		$1.42		$1.28		$1.14		$1.06
Number of accumulation units outstanding at end of period (000 omitted)		338		454		438		473		805		963		1,126		1,624		1,338		994

Fidelity^® VIP Mid Cap Portfolio Service Class 2 (08/13/2001)
Accumulation unit value at beginning of period		$2.58		$2.26		$2.55		$1.99		$1.43		$2.39		$2.08		$1.86		$1.59		$1.28
Accumulation unit value at end of period		$3.48		$2.58		$2.26		$2.55		$1.99		$1.43		$2.39		$2.08		$1.86		$1.59
Number of accumulation units outstanding at end of period (000 omitted)		894		1,062		1,077		1,379		2,734		3,823		3,786		4,011		2,702		1,034

Fidelity^® VIP Overseas Portfolio Service Class 2 (08/13/2001)
Accumulation unit value at beginning of period		$1.49		$1.25		$1.52		$1.35		$1.08		$1.93		$1.66		$1.42		$1.20		$1.06
Accumulation unit value at end of period		$1.93		$1.49		$1.25		$1.52		$1.35		$1.08		$1.93		$1.66		$1.42		$1.20
Number of accumulation units outstanding at end of period (000 omitted)		359		344		464		548		558		771		890		1,130		728		573

Fidelity^® VIP Strategic Income Portfolio Service Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.99		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		59		—		—		—		—		—		—		—		—		—

FTVIPT Franklin Global Real Estate VIP Fund – Class 2 (09/15/1999)
Accumulation unit value at beginning of period		$2.50		$1.97		$2.10		$1.75		$1.48		$2.58		$3.27		$2.73		$2.42		$1.85
Accumulation unit value at end of period		$2.54		$2.50		$1.97		$2.10		$1.75		$1.48		$2.58		$3.27		$2.73		$2.42
Number of accumulation units outstanding at end of period (000 omitted)		182		170		163		203		232		262		688		836		667		487

FTVIPT Franklin Income VIP Fund – Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.07		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		25		—		—		—		—		—		—		—		—		—

FTVIPT Franklin Mutual Shares VIP Fund – Class 2 (08/13/2001)
Accumulation unit value at beginning of period		$1.53		$1.34		$1.36		$1.23		$0.98		$1.57		$1.53		$1.30		$1.18		$1.05
Accumulation unit value at end of period		$1.95		$1.53		$1.34		$1.36		$1.23		$0.98		$1.57		$1.53		$1.30		$1.18
Number of accumulation units outstanding at end of period (000 omitted)		147		255		264		354		525		670		761		865		716		533

FTVIPT Franklin Small Cap Value VIP Fund – Class 2 (09/15/1999)
Accumulation unit value at beginning of period		$2.97		$2.52		$2.64		$2.07		$1.61		$2.42		$2.49		$2.14		$1.98		$1.61
Accumulation unit value at end of period		$4.02		$2.97		$2.52		$2.64		$2.07		$1.61		$2.42		$2.49		$2.14		$1.98
Number of accumulation units outstanding at end of period (000 omitted)		286		301		212		215		352		465		576		738		593		414

FTVIPT Templeton Global Bond VIP Fund – Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		108		—		—		—		—		—		—		—		—		—

Goldman Sachs VIT Mid Cap Value Fund – Institutional Shares (09/15/1999)
Accumulation unit value at beginning of period		$3.14		$2.67		$2.86		$2.30		$1.74		$2.78		$2.71		$2.34		$2.09		$1.67
Accumulation unit value at end of period		$4.15		$3.14		$2.67		$2.86		$2.30		$1.74		$2.78		$2.71		$2.34		$2.09
Number of accumulation units outstanding at end of period (000 omitted)		406		448		611		738		922		1,060		2,008		2,339		1,930		834

Goldman Sachs VIT U.S. Equity Insights Fund – Institutional Shares (09/15/1999)
Accumulation unit value at beginning of period		$1.15		$1.01		$0.98		$0.87		$0.72		$1.15		$1.18		$1.05		$0.99		$0.87
Accumulation unit value at end of period		$1.57		$1.15		$1.01		$0.98		$0.87		$0.72		$1.15		$1.18		$1.05		$0.99
Number of accumulation units outstanding at end of period (000 omitted)		466		546		592		745		826		1,128		1,678		2,499		3,019		1,522

Invesco V.I. American Franchise Fund, Series II Shares (04/27/2012)
Accumulation unit value at beginning of period		$0.97		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.35		$0.97		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		78		283		—		—		—		—		—		—		—		—

Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.99		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		130		—		—		—		—		—		—		—		—		—


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 99


Variable account charges of 0.55% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Invesco V.I. Comstock Fund, Series II Shares (02/04/2004)
Accumulation unit value at beginning of period		$1.45		$1.22		$1.26		$1.09		$0.85		$1.34		$1.38		$1.19		$1.15		$1.00
Accumulation unit value at end of period		$1.95		$1.45		$1.22		$1.26		$1.09		$0.85		$1.34		$1.38		$1.19		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		557		670		788		719		2,639		3,700		3,639		4,892		3,642		641

Invesco V.I. Diversified Dividend Fund, Series I Shares (04/29/2011)
Accumulation unit value at beginning of period		$1.09		$0.92		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.42		$1.09		$0.92		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		191		149		100		—		—		—		—		—		—		—

Invesco V.I. Global Health Care Fund, Series II Shares (05/01/2006)
Accumulation unit value at beginning of period		$1.32		$1.10		$1.07		$1.02		$0.81		$1.14		$1.03		$1.00		—		—
Accumulation unit value at end of period		$1.84		$1.32		$1.10		$1.07		$1.02		$0.81		$1.14		$1.03		—		—
Number of accumulation units outstanding at end of period (000 omitted)		149		117		103		132		403		73		115		1,114		—		—

Invesco V.I. International Growth Fund, Series II Shares (11/01/2005)
Accumulation unit value at beginning of period		$1.49		$1.30		$1.40		$1.25		$0.93		$1.58		$1.39		$1.09		$1.00		—
Accumulation unit value at end of period		$1.76		$1.49		$1.30		$1.40		$1.25		$0.93		$1.58		$1.39		$1.09		—
Number of accumulation units outstanding at end of period (000 omitted)		249		273		294		380		2,658		2,794		1,479		105		5		—

Invesco V.I. Mid Cap Growth Fund, Series II Shares (04/27/2012)
Accumulation unit value at beginning of period		$0.98		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.33		$0.98		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		63		50		—		—		—		—		—		—		—		—

Invesco V.I. Technology Fund, Series I Shares (08/13/2001)
Accumulation unit value at beginning of period		$0.94		$0.85		$0.90		$0.75		$0.48		$0.86		$0.81		$0.73		$0.72		$0.69
Accumulation unit value at end of period		$1.17		$0.94		$0.85		$0.90		$0.75		$0.48		$0.86		$0.81		$0.73		$0.72
Number of accumulation units outstanding at end of period (000 omitted)		445		477		506		618		411		351		275		418		532		249

Ivy Funds VIP Asset Strategy (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.21		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		142		—		—		—		—		—		—		—		—		—

Janus Aspen Series Flexible Bond Portfolio: Service Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.99		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—		—		—		—		—		—		—

Janus Aspen Series Global Allocation Portfolio – Moderate: Service Shares (04/30/2012)
Accumulation unit value at beginning of period		$1.04		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.19		$1.04		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1		—		—		—		—		—		—		—		—		—

Janus Aspen Series Janus Portfolio: Service Shares (05/01/2007)
Accumulation unit value at beginning of period		$1.08		$0.92		$0.98		$0.86		$0.63		$1.06		$1.00		—		—		—
Accumulation unit value at end of period		$1.39		$1.08		$0.92		$0.98		$0.86		$0.63		$1.06		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		328		387		461		568		6,880		6,240		5,448		—		—		—

Lazard Retirement Global Dynamic Multi Asset Portfolio – Service Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.13		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		6		—		—		—		—		—		—		—		—		—

MFS^® Investors Growth Stock Series – Service Class (05/01/2000)
Accumulation unit value at beginning of period		$0.88		$0.76		$0.76		$0.68		$0.49		$0.79		$0.71		$0.67		$0.64		$0.59
Accumulation unit value at end of period		$1.14		$0.88		$0.76		$0.76		$0.68		$0.49		$0.79		$0.71		$0.67		$0.64
Number of accumulation units outstanding at end of period (000 omitted)		180		212		186		178		406		260		317		481		640		522

MFS^® New Discovery Series – Service Class (05/01/2000)
Accumulation unit value at beginning of period		$1.44		$1.20		$1.35		$1.00		$0.62		$1.02		$1.01		$0.90		$0.86		$0.81
Accumulation unit value at end of period		$2.03		$1.44		$1.20		$1.35		$1.00		$0.62		$1.02		$1.01		$0.90		$0.86
Number of accumulation units outstanding at end of period (000 omitted)		173		89		131		102		190		92		130		243		558		576

MFS^® Utilities Series – Service Class (08/13/2001)
Accumulation unit value at beginning of period		$2.51		$2.23		$2.11		$1.86		$1.41		$2.28		$1.80		$1.38		$1.19		$0.92
Accumulation unit value at end of period		$3.00		$2.51		$2.23		$2.11		$1.86		$1.41		$2.28		$1.80		$1.38		$1.19
Number of accumulation units outstanding at end of period (000 omitted)		684		584		543		500		562		821		765		1,065		588		211

Morgan Stanley UIF Global Real Estate Portfolio, Class II Shares (05/01/2006)
Accumulation unit value at beginning of period		$1.22		$0.94		$1.06		$0.87		$0.62		$1.12		$1.23		$1.00		—		—
Accumulation unit value at end of period		$1.25		$1.22		$0.94		$1.06		$0.87		$0.62		$1.12		$1.23		—		—
Number of accumulation units outstanding at end of period (000 omitted)		343		314		467		451		1,794		1,961		1,463		1,473		—		—

100 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 0.55% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares (05/01/2006)
Accumulation unit value at beginning of period		$1.31		$1.21		$1.31		$1.00		$0.64		$1.21		$0.99		$1.00		—		—
Accumulation unit value at end of period		$1.79		$1.31		$1.21		$1.31		$1.00		$0.64		$1.21		$0.99		—		—
Number of accumulation units outstanding at end of period (000 omitted)		192		241		300		317		356		270		140		1,068		—		—

Neuberger Berman Advisers Management Trust International Equity Portfolio (Class S) (05/01/2006)
Accumulation unit value at beginning of period		$0.95		$0.81		$0.93		$0.76		$0.57		$1.07		$1.05		$1.00		—		—
Accumulation unit value at end of period		$1.12		$0.95		$0.81		$0.93		$0.76		$0.57		$1.07		$1.05		—		—
Number of accumulation units outstanding at end of period (000 omitted)		275		165		154		142		1,718		1,971		2,116		1,957		—		—

Oppenheimer Global Fund/VA, Service Shares (02/04/2004)
Accumulation unit value at beginning of period		$1.67		$1.39		$1.53		$1.33		$0.96		$1.62		$1.53		$1.31		$1.16		$1.00
Accumulation unit value at end of period		$2.12		$1.67		$1.39		$1.53		$1.33		$0.96		$1.62		$1.53		$1.31		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		443		349		429		524		604		777		1,099		1,309		756		158

Oppenheimer Global Strategic Income Fund/VA, Service Shares (02/04/2004)
Accumulation unit value at beginning of period		$1.63		$1.45		$1.45		$1.27		$1.08		$1.27		$1.16		$1.09		$1.07		$1.00
Accumulation unit value at end of period		$1.62		$1.63		$1.45		$1.45		$1.27		$1.08		$1.27		$1.16		$1.09		$1.07
Number of accumulation units outstanding at end of period (000 omitted)		2,994		3,277		3,125		3,938		8,634		8,498		9,223		6,331		3,173		403

Oppenheimer Main Street Small Cap Fund^®/VA, Service Shares (02/04/2004)
Accumulation unit value at beginning of period		$1.64		$1.41		$1.45		$1.18		$0.87		$1.41		$1.44		$1.26		$1.16		$1.00
Accumulation unit value at end of period		$2.30		$1.64		$1.41		$1.45		$1.18		$0.87		$1.41		$1.44		$1.26		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		337		360		394		368		717		646		676		773		643		432

PIMCO VIT All Asset Portfolio, Advisor Class (05/01/2006)
Accumulation unit value at beginning of period		$1.48		$1.29		$1.27		$1.13		$0.94		$1.12		$1.04		$1.00		—		—
Accumulation unit value at end of period		$1.47		$1.48		$1.29		$1.27		$1.13		$0.94		$1.12		$1.04		—		—
Number of accumulation units outstanding at end of period (000 omitted)		414		688		700		590		3,431		4,628		4,555		4,105		—		—

PIMCO VIT Global Multi-Asset Managed Allocation Portfolio, Advisor Class (04/30/2012)
Accumulation unit value at beginning of period		$1.03		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.95		$1.03		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		4		54		—		—		—		—		—		—		—		—

PIMCO VIT Total Return Portfolio, Advisor Class (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.96		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—		—		—		—		—		—		—

Putnam VT Global Health Care Fund – Class IB Shares (08/13/2001)
Accumulation unit value at beginning of period		$1.40		$1.15		$1.17		$1.15		$0.92		$1.11		$1.12		$1.10		$0.98		$0.92
Accumulation unit value at end of period		$1.97		$1.40		$1.15		$1.17		$1.15		$0.92		$1.11		$1.12		$1.10		$0.98
Number of accumulation units outstanding at end of period (000 omitted)		104		52		50		40		27		111		67		195		218		67

Putnam VT International Equity Fund – Class IB Shares (08/13/2001)
Accumulation unit value at beginning of period		$1.34		$1.11		$1.34		$1.23		$0.99		$1.78		$1.65		$1.30		$1.16		$1.01
Accumulation unit value at end of period		$1.71		$1.34		$1.11		$1.34		$1.23		$0.99		$1.78		$1.65		$1.30		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		24		20		24		32		57		91		69		164		145		194

Putnam VT Multi-Cap Growth Fund – Class IB Shares (09/24/2010)
Accumulation unit value at beginning of period		$1.24		$1.07		$1.13		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.68		$1.24		$1.07		$1.13		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		30		123		123		139		—		—		—		—		—		—

Van Eck VIP Global Gold Fund (Class S Shares) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.77		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		180		—		—		—		—		—		—		—		—		—

Variable Portfolio – Aggressive Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.23		$1.08		$1.12		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.47		$1.23		$1.08		$1.12		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,803		1,277		1,257		395		—		—		—		—		—		—

Variable Portfolio – Aggressive Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.23		$1.09		$1.12		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.47		$1.23		$1.09		$1.12		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		15,408		16,382		18,860		26,354		—		—		—		—		—		—

Variable Portfolio – AQR Managed Futures Strategy Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.03		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		32		—		—		—		—		—		—		—		—		—


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 101


Variable account charges of 0.55% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Variable Portfolio – BlackRock Global Inflation-Protected Securities Fund (Class 3) (09/13/2004)
Accumulation unit value at beginning of period		$1.43		$1.36		$1.24		$1.20		$1.13		$1.13		$1.06		$1.05		$1.03		$1.00
Accumulation unit value at end of period		$1.34		$1.43		$1.36		$1.24		$1.20		$1.13		$1.13		$1.06		$1.05		$1.03
Number of accumulation units outstanding at end of period (000 omitted)		581		768		1,132		1,988		5,705		2,307		2,713		2,959		1,455		5,004

Variable Portfolio – Conservative Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.15		$1.08		$1.05		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.18		$1.15		$1.08		$1.05		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		3,557		5,335		1,443		1,174		—		—		—		—		—		—

Variable Portfolio – Conservative Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.15		$1.08		$1.05		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.18		$1.15		$1.08		$1.05		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		3,064		6,408		4,175		8,371		—		—		—		—		—		—

Variable Portfolio – Goldman Sachs Commodity Strategy Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.92		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		8		—		—		—		—		—		—		—		—		—

Variable Portfolio – Moderate Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.21		$1.09		$1.10		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.34		$1.21		$1.09		$1.10		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		3,851		4,778		4,194		507		—		—		—		—		—		—

Variable Portfolio – Moderate Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.21		$1.09		$1.10		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.34		$1.21		$1.09		$1.10		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		13,901		17,266		21,448		21,627		—		—		—		—		—		—

Variable Portfolio – Moderately Aggressive Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.22		$1.09		$1.11		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.41		$1.22		$1.09		$1.11		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		3,380		1,378		1,064		2,007		—		—		—		—		—		—

Variable Portfolio – Moderately Aggressive Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.22		$1.09		$1.12		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.41		$1.22		$1.09		$1.12		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		22,674		24,938		26,294		23,294		—		—		—		—		—		—

Variable Portfolio – Moderately Conservative Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.18		$1.09		$1.07		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.25		$1.18		$1.09		$1.07		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,477		1,950		1,471		—		—		—		—		—		—		—

Variable Portfolio – Moderately Conservative Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.18		$1.09		$1.07		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.26		$1.18		$1.09		$1.07		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		4,237		4,691		9,103		5,162		—		—		—		—		—		—

Variable Portfolio – Partners Small Cap Value Fund (Class 3) (08/14/2001)
Accumulation unit value at beginning of period		$2.23		$1.98		$2.08		$1.68		$1.24		$1.82		$1.92		$1.61		$1.53		$1.28
Accumulation unit value at end of period		$2.99		$2.23		$1.98		$2.08		$1.68		$1.24		$1.82		$1.92		$1.61		$1.53
Number of accumulation units outstanding at end of period (000 omitted)		317		402		542		707		3,210		3,353		3,487		2,495		2,068		860

Variable Portfolio – Pyrford International Equity Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.05		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		3		—		—		—		—		—		—		—		—		—

Variable Portfolio – Sit Dividend Growth Fund (Class 3) (05/01/2006)
Accumulation unit value at beginning of period		$1.06		$0.96		$1.00		$0.90		$0.69		$1.13		$1.09		$1.00		—		—
Accumulation unit value at end of period		$1.35		$1.06		$0.96		$1.00		$0.90		$0.69		$1.13		$1.09		—		—
Number of accumulation units outstanding at end of period (000 omitted)		183		200		264		276		7,045		4,641		3,570		3,666		—		—

Variable Portfolio – Victory Established Value Fund (Class 3) (02/04/2004)
Accumulation unit value at beginning of period		$1.53		$1.32		$1.42		$1.17		$0.86		$1.37		$1.30		$1.13		$1.13		$1.00
Accumulation unit value at end of period		$2.07		$1.53		$1.32		$1.42		$1.17		$0.86		$1.37		$1.30		$1.13		$1.13
Number of accumulation units outstanding at end of period (000 omitted)		173		125		127		115		176		74		115		77		235		182

Wanger International (09/15/1999)
Accumulation unit value at beginning of period		$2.74		$2.27		$2.67		$2.15		$1.44		$2.67		$2.31		$1.69		$1.40		$1.08
Accumulation unit value at end of period		$3.34		$2.74		$2.27		$2.67		$2.15		$1.44		$2.67		$2.31		$1.69		$1.40
Number of accumulation units outstanding at end of period (000 omitted)		918		887		992		1,120		2,334		2,433		2,932		3,471		2,814		1,701

102 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 0.55% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Wanger USA (09/15/1999)
Accumulation unit value at beginning of period		$2.40		$2.01		$2.09		$1.71		$1.21		$2.01		$1.92		$1.79		$1.62		$1.37
Accumulation unit value at end of period		$3.19		$2.40		$2.01		$2.09		$1.71		$1.21		$2.01		$1.92		$1.79		$1.62
Number of accumulation units outstanding at end of period (000 omitted)		598		631		895		1,057		2,350		3,272		3,659		3,852		2,709		1,415

Wells Fargo Advantage VT International Equity Fund – Class 2 (02/04/2004)
Accumulation unit value at beginning of period		$1.39		$1.23		$1.43		$1.23		$1.07		$1.84		$1.62		$1.32		$1.15		$1.00
Accumulation unit value at end of period		$1.66		$1.39		$1.23		$1.43		$1.23		$1.07		$1.84		$1.62		$1.32		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		166		278		311		337		2,398		408		500		669		661		76

Wells Fargo Advantage VT Opportunity Fund – Class 2 (08/13/2001)
Accumulation unit value at beginning of period		$1.70		$1.48		$1.57		$1.28		$0.87		$1.46		$1.38		$1.23		$1.15		$0.98
Accumulation unit value at end of period		$2.21		$1.70		$1.48		$1.57		$1.28		$0.87		$1.46		$1.38		$1.23		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		73		109		148		121		298		182		331		421		467		408

Wells Fargo Advantage VT Small Cap Growth Fund – Class 2 (05/01/2001)
Accumulation unit value at beginning of period		$1.54		$1.43		$1.51		$1.20		$0.79		$1.35		$1.20		$0.98		$0.93		$0.82
Accumulation unit value at end of period		$2.29		$1.54		$1.43		$1.51		$1.20		$0.79		$1.35		$1.20		$0.98		$0.93
Number of accumulation units outstanding at end of period (000 omitted)		110		136		160		198		225		258		231		84		35		10

Western Asset Variable Global High Yield Bond Portfolio – Class II (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.02		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		17		—		—		—		—		—		—		—		—		—


Variable account charges of 1.20% of the daily net assets of the variable account.
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


AllianceBernstein VPS Dynamic Asset Allocation Portfolio (Class B) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.06		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		433		—		—		—		—		—		—		—		—		—

AllianceBernstein VPS Global Thematic Growth Portfolio (Class B) (11/01/2005)
Accumulation unit value at beginning of period		$1.05		$0.93		$1.24		$1.05		$0.70		$1.34		$1.13		$1.06		$1.00		—
Accumulation unit value at end of period		$1.27		$1.05		$0.93		$1.24		$1.05		$0.70		$1.34		$1.13		$1.06		—
Number of accumulation units outstanding at end of period (000 omitted)		309		288		415		437		548		301		264		846		148		—

AllianceBernstein VPS Growth and Income Portfolio (Class B) (02/13/2002)
Accumulation unit value at beginning of period		$1.35		$1.17		$1.11		$1.00		$0.84		$1.43		$1.38		$1.20		$1.16		$1.05
Accumulation unit value at end of period		$1.80		$1.35		$1.17		$1.11		$1.00		$0.84		$1.43		$1.38		$1.20		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		1,714		2,074		2,548		3,288		4,258		6,035		9,112		12,504		14,313		11,547

AllianceBernstein VPS International Value Portfolio (Class B) (02/13/2002)
Accumulation unit value at beginning of period		$1.52		$1.35		$1.69		$1.64		$1.24		$2.68		$2.57		$1.92		$1.67		$1.35
Accumulation unit value at end of period		$1.84		$1.52		$1.35		$1.69		$1.64		$1.24		$2.68		$2.57		$1.92		$1.67
Number of accumulation units outstanding at end of period (000 omitted)		3,099		3,734		4,866		6,458		9,981		15,720		18,897		19,979		16,470		7,898

ALPS/Alerian Energy Infrastructure Portfolio: Class III (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.06		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		543		—		—		—		—		—		—		—		—		—

American Century VP International, Class II (02/13/2002)
Accumulation unit value at beginning of period		$1.58		$1.32		$1.52		$1.36		$1.03		$1.90		$1.63		$1.32		$1.18		$1.04
Accumulation unit value at end of period		$1.91		$1.58		$1.32		$1.52		$1.36		$1.03		$1.90		$1.63		$1.32		$1.18
Number of accumulation units outstanding at end of period (000 omitted)		850		987		1,335		1,679		2,015		2,795		3,680		4,188		3,768		2,448

American Century VP Mid Cap Value, Class II (05/01/2007)
Accumulation unit value at beginning of period		$1.14		$0.99		$1.01		$0.86		$0.67		$0.90		$1.00		—		—		—
Accumulation unit value at end of period		$1.46		$1.14		$0.99		$1.01		$0.86		$0.67		$0.90		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		599		625		582		775		2,523		4,001		5,266		—		—		—

American Century VP Ultra^®, Class II (11/01/2005)
Accumulation unit value at beginning of period		$1.16		$1.03		$1.03		$0.90		$0.68		$1.18		$0.99		$1.04		$1.00		—
Accumulation unit value at end of period		$1.57		$1.16		$1.03		$1.03		$0.90		$0.68		$1.18		$0.99		$1.04		—
Number of accumulation units outstanding at end of period (000 omitted)		770		915		992		992		1,098		1,338		1,445		6,545		1,015		—

American Century VP Value, Class II (02/13/2002)
Accumulation unit value at beginning of period		$1.56		$1.38		$1.38		$1.24		$1.05		$1.45		$1.54		$1.32		$1.27		$1.13
Accumulation unit value at end of period		$2.02		$1.56		$1.38		$1.38		$1.24		$1.05		$1.45		$1.54		$1.32		$1.27
Number of accumulation units outstanding at end of period (000 omitted)		4,853		4,953		5,339		5,469		6,158		8,079		12,429		15,592		16,716		10,779


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 103


Variable account charges of 1.20% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


BlackRock Global Allocation V.I. Fund (Class III) (04/30/2012)
Accumulation unit value at beginning of period		$1.03		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.16		$1.03		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,906		428		—		—		—		—		—		—		—		—

Calvert VP SRI Balanced Portfolio (02/13/2002)
Accumulation unit value at beginning of period		$1.33		$1.21		$1.17		$1.06		$0.86		$1.26		$1.24		$1.16		$1.11		$1.04
Accumulation unit value at end of period		$1.54		$1.33		$1.21		$1.17		$1.06		$0.86		$1.26		$1.24		$1.16		$1.11
Number of accumulation units outstanding at end of period (000 omitted)		614		583		649		737		858		1,073		1,711		2,144		2,283		1,690

ClearBridge Variable Small Cap Growth Portfolio – Class I (04/27/2007)
Accumulation unit value at beginning of period		$1.23		$1.04		$1.04		$0.84		$0.59		$1.02		$1.00		—		—		—
Accumulation unit value at end of period		$1.78		$1.23		$1.04		$1.04		$0.84		$0.59		$1.02		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		184		116		142		172		204		130		97		—		—		—

Columbia Variable Portfolio – Balanced Fund (Class 3) (02/13/2002)
Accumulation unit value at beginning of period		$1.45		$1.29		$1.27		$1.14		$0.93		$1.35		$1.34		$1.18		$1.15		$1.07
Accumulation unit value at end of period		$1.74		$1.45		$1.29		$1.27		$1.14		$0.93		$1.35		$1.34		$1.18		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		3,681		3,269		3,744		4,325		6,111		2,378		4,008		3,764		3,085		2,273

Columbia Variable Portfolio – Cash Management Fund (Class 3) (02/13/2002)
Accumulation unit value at beginning of period		$1.03		$1.04		$1.06		$1.07		$1.08		$1.07		$1.03		$1.00		$0.99		$0.99
Accumulation unit value at end of period		$1.02		$1.03		$1.04		$1.06		$1.07		$1.08		$1.07		$1.03		$1.00		$0.99
Number of accumulation units outstanding at end of period (000 omitted)		3,817		3,990		5,730		7,758		14,861		39,094		33,791		33,401		18,979		15,014

Columbia Variable Portfolio – Commodity Strategy Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.92		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		32		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Contrarian Core Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.21		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		342		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Core Bond Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.95		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		45		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Diversified Bond Fund (Class 3) (02/13/2002)
Accumulation unit value at beginning of period		$1.50		$1.41		$1.34		$1.25		$1.11		$1.20		$1.15		$1.12		$1.11		$1.07
Accumulation unit value at end of period		$1.45		$1.50		$1.41		$1.34		$1.25		$1.11		$1.20		$1.15		$1.12		$1.11
Number of accumulation units outstanding at end of period (000 omitted)		12,817		18,482		20,159		26,396		58,421		63,728		68,622		60,502		37,023		19,654

Columbia Variable Portfolio – Dividend Opportunity Fund (Class 3) (02/13/2002)
Accumulation unit value at beginning of period		$1.72		$1.53		$1.63		$1.41		$1.12		$1.91		$1.79		$1.51		$1.35		$1.15
Accumulation unit value at end of period		$2.16		$1.72		$1.53		$1.63		$1.41		$1.12		$1.91		$1.79		$1.51		$1.35
Number of accumulation units outstanding at end of period (000 omitted)		7,057		8,522		11,111		13,939		30,183		36,755		43,798		50,646		33,232		17,932

Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.90		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		254		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Emerging Markets Fund (Class 3) (02/13/2002)
Accumulation unit value at beginning of period		$3.16		$2.65		$3.40		$2.87		$1.67		$3.65		$2.68		$2.02		$1.53		$1.25
Accumulation unit value at end of period		$3.07		$3.16		$2.65		$3.40		$2.87		$1.67		$3.65		$2.68		$2.02		$1.53
Number of accumulation units outstanding at end of period (000 omitted)		1,470		1,611		1,940		2,468		3,600		5,787		5,242		5,716		4,677		1,199

Columbia Variable Portfolio – Global Bond Fund (Class 3) (02/13/2002)
Accumulation unit value at beginning of period		$1.81		$1.72		$1.66		$1.58		$1.43		$1.46		$1.37		$1.30		$1.38		$1.27
Accumulation unit value at end of period		$1.65		$1.81		$1.72		$1.66		$1.58		$1.43		$1.46		$1.37		$1.30		$1.38
Number of accumulation units outstanding at end of period (000 omitted)		4,069		5,077		5,792		7,371		16,121		18,675		22,272		19,781		15,541		8,857

Columbia Variable Portfolio – High Yield Bond Fund (Class 3) (02/13/2002)
Accumulation unit value at beginning of period		$2.18		$1.90		$1.82		$1.62		$1.06		$1.44		$1.43		$1.31		$1.27		$1.15
Accumulation unit value at end of period		$2.28		$2.18		$1.90		$1.82		$1.62		$1.06		$1.44		$1.43		$1.31		$1.27
Number of accumulation units outstanding at end of period (000 omitted)		4,734		5,671		6,355		7,802		9,680		11,973		19,687		25,271		27,474		25,456

Columbia Variable Portfolio – Income Opportunities Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.27		$1.12		$1.07		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.32		$1.27		$1.12		$1.07		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		5,110		1,881		1,504		171		—		—		—		—		—		—

104 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 1.20% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Columbia Variable Portfolio – Income Opportunities Fund (Class 3) (09/13/2004)
Accumulation unit value at beginning of period		$1.72		$1.52		$1.45		$1.29		$0.92		$1.15		$1.13		$1.06		$1.04		$1.00
Accumulation unit value at end of period		$1.79		$1.72		$1.52		$1.45		$1.29		$0.92		$1.15		$1.13		$1.06		$1.04
Number of accumulation units outstanding at end of period (000 omitted)		3,286		4,217		4,518		5,416		17,730		11,540		12,716		13,255		4,187		271

Columbia Variable Portfolio – International Opportunity Fund (Class 3) (02/13/2002)
Accumulation unit value at beginning of period		$1.61		$1.39		$1.60		$1.42		$1.13		$1.92		$1.73		$1.41		$1.25		$1.08
Accumulation unit value at end of period		$1.95		$1.61		$1.39		$1.60		$1.42		$1.13		$1.92		$1.73		$1.41		$1.25
Number of accumulation units outstanding at end of period (000 omitted)		806		885		1,090		1,443		1,829		2,197		3,162		3,800		3,647		2,172

Columbia Variable Portfolio – Large Cap Growth Fund (Class 3) (02/13/2002)
Accumulation unit value at beginning of period		$1.15		$0.97		$1.02		$0.88		$0.65		$1.18		$1.16		$1.05		$0.98		$0.92
Accumulation unit value at end of period		$1.48		$1.15		$0.97		$1.02		$0.88		$0.65		$1.18		$1.16		$1.05		$0.98
Number of accumulation units outstanding at end of period (000 omitted)		1,991		2,239		2,709		3,547		4,530		6,110		10,992		13,741		13,519		4,079

Columbia Variable Portfolio – Large Core Quantitative Fund (Class 3) (02/13/2002)
Accumulation unit value at beginning of period		$1.25		$1.11		$1.07		$0.92		$0.75		$1.31		$1.29		$1.13		$1.08		$1.03
Accumulation unit value at end of period		$1.65		$1.25		$1.11		$1.07		$0.92		$0.75		$1.31		$1.29		$1.13		$1.08
Number of accumulation units outstanding at end of period (000 omitted)		2,670		3,109		3,980		5,013		6,295		7,479		10,299		12,875		11,604		2,482

Columbia Variable Portfolio – Managed Volatility Conservative Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.01		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		3,637		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.04		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		9,694		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Managed Volatility Growth Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.11		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		52,708		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Managed Volatility Moderate Growth Fund (Class 2) (04/30/2012)
Accumulation unit value at beginning of period		$1.02		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.15		$1.02		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		141,007		36,030		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Marsico Growth Fund (Class 1) (05/01/2006)
Accumulation unit value at beginning of period		$1.14		$1.02		$1.06		$0.89		$0.71		$1.18		$1.02		$1.00		—		—
Accumulation unit value at end of period		$1.52		$1.14		$1.02		$1.06		$0.89		$0.71		$1.18		$1.02		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,887		2,446		3,000		3,790		22,026		20,913		15,689		10,663		—		—

Columbia Variable Portfolio – Marsico International Opportunities Fund (Class 2) (05/01/2006)
Accumulation unit value at beginning of period		$0.94		$0.81		$0.98		$0.87		$0.64		$1.26		$1.06		$1.00		—		—
Accumulation unit value at end of period		$1.12		$0.94		$0.81		$0.98		$0.87		$0.64		$1.26		$1.06		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,243		1,302		1,688		1,766		2,195		2,857		2,426		5,251		—		—

Columbia Variable Portfolio – Mid Cap Growth Opportunity Fund (Class 3) (02/13/2002)
Accumulation unit value at beginning of period		$1.40		$1.27		$1.52		$1.22		$0.75		$1.38		$1.23		$1.25		$1.15		$1.06
Accumulation unit value at end of period		$1.81		$1.40		$1.27		$1.52		$1.22		$0.75		$1.38		$1.23		$1.25		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		453		560		877		1,155		1,372		1,170		1,887		2,741		2,961		3,400

Columbia Variable Portfolio – Mid Cap Value Opportunity Fund (Class 3) (05/02/2005)
Accumulation unit value at beginning of period		$1.43		$1.22		$1.35		$1.11		$0.80		$1.47		$1.35		$1.19		$1.00		—
Accumulation unit value at end of period		$1.94		$1.43		$1.22		$1.35		$1.11		$0.80		$1.47		$1.35		$1.19		—
Number of accumulation units outstanding at end of period (000 omitted)		814		1,034		1,325		1,680		2,952		5,049		5,225		7,878		393		—

Columbia Variable Portfolio – Multi-Strategy Alternatives Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.95		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		252		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – S&P 500 Index Fund (Class 3) (02/13/2002)
Accumulation unit value at beginning of period		$1.34		$1.18		$1.17		$1.03		$0.83		$1.34		$1.29		$1.13		$1.10		$1.01
Accumulation unit value at end of period		$1.75		$1.34		$1.18		$1.17		$1.03		$0.83		$1.34		$1.29		$1.13		$1.10
Number of accumulation units outstanding at end of period (000 omitted)		3,312		2,590		3,038		3,421		4,568		5,854		8,187		9,874		10,825		9,241

Columbia Variable Portfolio – Select Large-Cap Value Fund (Class 3) (02/04/2004)
Accumulation unit value at beginning of period		$1.32		$1.12		$1.16		$0.97		$0.78		$1.30		$1.33		$1.13		$1.09		$1.00
Accumulation unit value at end of period		$1.79		$1.32		$1.12		$1.16		$0.97		$0.78		$1.30		$1.33		$1.13		$1.09
Number of accumulation units outstanding at end of period (000 omitted)		710		665		477		561		429		584		789		734		632		499


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 105


Variable account charges of 1.20% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Columbia Variable Portfolio – Select Smaller-Cap Value Fund (Class 3) (02/13/2002)
Accumulation unit value at beginning of period		$1.74		$1.49		$1.65		$1.32		$0.95		$1.57		$1.66		$1.51		$1.45		$1.24
Accumulation unit value at end of period		$2.55		$1.74		$1.49		$1.65		$1.32		$0.95		$1.57		$1.66		$1.51		$1.45
Number of accumulation units outstanding at end of period (000 omitted)		424		452		705		880		971		1,315		2,098		3,358		3,917		3,802

Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 3) (02/13/2002)
Accumulation unit value at beginning of period		$1.14		$1.14		$1.14		$1.12		$1.07		$1.11		$1.07		$1.04		$1.04		$1.04
Accumulation unit value at end of period		$1.11		$1.14		$1.14		$1.14		$1.12		$1.07		$1.11		$1.07		$1.04		$1.04
Number of accumulation units outstanding at end of period (000 omitted)		5,295		6,553		7,651		9,727		11,135		13,972		12,745		15,464		16,802		16,700

Credit Suisse Trust – Commodity Return Strategy Portfolio (05/01/2006)
Accumulation unit value at beginning of period		$0.83		$0.86		$1.00		$0.87		$0.73		$1.12		$0.97		$1.00		—		—
Accumulation unit value at end of period		$0.74		$0.83		$0.86		$1.00		$0.87		$0.73		$1.12		$0.97		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,744		2,125		2,408		2,563		2,966		2,963		1,728		4,962		—		—

DWS Alternative Asset Allocation VIP, Class B (04/30/2012)
Accumulation unit value at beginning of period		$1.00		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.99		$1.00		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		896		228		—		—		—		—		—		—		—		—

Eaton Vance VT Floating-Rate Income Fund (05/01/2006)
Accumulation unit value at beginning of period		$1.23		$1.16		$1.14		$1.06		$0.74		$1.03		$1.03		$1.00		—		—
Accumulation unit value at end of period		$1.26		$1.23		$1.16		$1.14		$1.06		$0.74		$1.03		$1.03		—		—
Number of accumulation units outstanding at end of period (000 omitted)		8,259		5,538		6,419		6,500		12,792		11,376		13,146		12,200		—		—

Fidelity^® VIP Contrafund^® Portfolio Service Class 2 (05/01/2006)
Accumulation unit value at beginning of period		$1.15		$1.00		$1.05		$0.90		$0.68		$1.19		$1.03		$1.00		—		—
Accumulation unit value at end of period		$1.49		$1.15		$1.00		$1.05		$0.90		$0.68		$1.19		$1.03		—		—
Number of accumulation units outstanding at end of period (000 omitted)		10,325		10,153		11,122		12,302		15,949		27,515		23,069		20,348		—		—

Fidelity^® VIP Growth & Income Portfolio Service Class 2 (02/13/2002)
Accumulation unit value at beginning of period		$1.35		$1.16		$1.16		$1.02		$0.81		$1.42		$1.28		$1.15		$1.09		$1.04
Accumulation unit value at end of period		$1.78		$1.35		$1.16		$1.16		$1.02		$0.81		$1.42		$1.28		$1.15		$1.09
Number of accumulation units outstanding at end of period (000 omitted)		2,893		3,338		4,067		5,091		6,236		8,328		12,003		16,152		18,132		18,010

Fidelity^® VIP Mid Cap Portfolio Service Class 2 (02/13/2002)
Accumulation unit value at beginning of period		$2.33		$2.05		$2.33		$1.84		$1.33		$2.23		$1.95		$1.76		$1.51		$1.23
Accumulation unit value at end of period		$3.12		$2.33		$2.05		$2.33		$1.84		$1.33		$2.23		$1.95		$1.76		$1.51
Number of accumulation units outstanding at end of period (000 omitted)		5,816		6,547		8,022		9,514		14,164		20,610		25,720		32,335		28,423		18,934

Fidelity^® VIP Overseas Portfolio Service Class 2 (02/13/2002)
Accumulation unit value at beginning of period		$1.54		$1.30		$1.59		$1.43		$1.14		$2.07		$1.79		$1.53		$1.31		$1.17
Accumulation unit value at end of period		$1.99		$1.54		$1.30		$1.59		$1.43		$1.14		$2.07		$1.79		$1.53		$1.31
Number of accumulation units outstanding at end of period (000 omitted)		1,403		1,536		1,936		2,441		3,135		4,259		5,901		7,436		6,520		5,276

Fidelity^® VIP Strategic Income Portfolio Service Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		530		—		—		—		—		—		—		—		—		—

FTVIPT Franklin Global Real Estate VIP Fund – Class 2 (02/13/2002)
Accumulation unit value at beginning of period		$1.73		$1.37		$1.47		$1.23		$1.05		$1.84		$2.35		$1.97		$1.76		$1.35
Accumulation unit value at end of period		$1.75		$1.73		$1.37		$1.47		$1.23		$1.05		$1.84		$2.35		$1.97		$1.76
Number of accumulation units outstanding at end of period (000 omitted)		2,260		2,435		2,639		3,274		4,145		5,481		8,852		13,498		15,139		12,119

FTVIPT Franklin Income VIP Fund – Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.07		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		864		—		—		—		—		—		—		—		—		—

FTVIPT Franklin Mutual Shares VIP Fund – Class 2 (02/13/2002)
Accumulation unit value at beginning of period		$1.50		$1.33		$1.36		$1.24		$0.99		$1.60		$1.56		$1.34		$1.22		$1.10
Accumulation unit value at end of period		$1.90		$1.50		$1.33		$1.36		$1.24		$0.99		$1.60		$1.56		$1.34		$1.22
Number of accumulation units outstanding at end of period (000 omitted)		2,751		3,107		3,633		4,727		5,705		8,193		12,837		13,922		11,400		7,311

FTVIPT Franklin Small Cap Value VIP Fund – Class 2 (02/13/2002)
Accumulation unit value at beginning of period		$2.09		$1.78		$1.88		$1.48		$1.16		$1.75		$1.82		$1.57		$1.46		$1.20
Accumulation unit value at end of period		$2.81		$2.09		$1.78		$1.88		$1.48		$1.16		$1.75		$1.82		$1.57		$1.46
Number of accumulation units outstanding at end of period (000 omitted)		1,922		2,057		2,496		2,911		3,457		4,647		7,056		8,954		8,682		5,338

FTVIPT Templeton Global Bond VIP Fund – Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		681		—		—		—		—		—		—		—		—		—

106 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 1.20% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Goldman Sachs VIT Mid Cap Value Fund – Institutional Shares (02/13/2002)
Accumulation unit value at beginning of period		$2.15		$1.83		$1.98		$1.60		$1.22		$1.96		$1.92		$1.68		$1.50		$1.21
Accumulation unit value at end of period		$2.82		$2.15		$1.83		$1.98		$1.60		$1.22		$1.96		$1.92		$1.68		$1.50
Number of accumulation units outstanding at end of period (000 omitted)		2,896		3,719		4,717		6,137		7,669		10,448		15,654		19,762		20,011		10,047

Goldman Sachs VIT U.S. Equity Insights Fund – Institutional Shares (02/13/2002)
Accumulation unit value at beginning of period		$1.28		$1.14		$1.10		$0.99		$0.83		$1.33		$1.37		$1.23		$1.17		$1.03
Accumulation unit value at end of period		$1.75		$1.28		$1.14		$1.10		$0.99		$0.83		$1.33		$1.37		$1.23		$1.17
Number of accumulation units outstanding at end of period (000 omitted)		2,113		2,613		3,289		4,364		5,508		7,207		11,550		15,324		16,269		6,220

Invesco V.I. American Franchise Fund, Series II Shares (04/27/2012)
Accumulation unit value at beginning of period		$0.97		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.33		$0.97		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		2,006		2,437		—		—		—		—		—		—		—		—

Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		2,301		—		—		—		—		—		—		—		—		—

Invesco V.I. Comstock Fund, Series II Shares (02/04/2004)
Accumulation unit value at beginning of period		$1.36		$1.16		$1.20		$1.05		$0.83		$1.30		$1.35		$1.18		$1.15		$1.00
Accumulation unit value at end of period		$1.83		$1.36		$1.16		$1.20		$1.05		$0.83		$1.30		$1.35		$1.18		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		4,816		5,740		7,423		9,203		15,447		21,701		27,381		32,887		26,831		6,418

Invesco V.I. Diversified Dividend Fund, Series I Shares (04/29/2011)
Accumulation unit value at beginning of period		$1.07		$0.92		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.39		$1.07		$0.92		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		810		429		539		—		—		—		—		—		—		—

Invesco V.I. Global Health Care Fund, Series II Shares (05/01/2006)
Accumulation unit value at beginning of period		$1.26		$1.06		$1.03		$1.00		$0.79		$1.13		$1.02		$1.00		—		—
Accumulation unit value at end of period		$1.75		$1.26		$1.06		$1.03		$1.00		$0.79		$1.13		$1.02		—		—
Number of accumulation units outstanding at end of period (000 omitted)		367		341		383		387		587		665		456		2,466		—		—

Invesco V.I. International Growth Fund, Series II Shares (11/01/2005)
Accumulation unit value at beginning of period		$1.42		$1.25		$1.36		$1.22		$0.92		$1.56		$1.38		$1.09		$1.00		—
Accumulation unit value at end of period		$1.67		$1.42		$1.25		$1.36		$1.22		$0.92		$1.56		$1.38		$1.09		—
Number of accumulation units outstanding at end of period (000 omitted)		959		1,079		1,233		1,536		7,083		7,389		4,140		267		5		—

Invesco V.I. Mid Cap Growth Fund, Series II Shares (04/27/2012)
Accumulation unit value at beginning of period		$0.97		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.32		$0.97		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		596		682		—		—		—		—		—		—		—		—

Invesco V.I. Technology Fund, Series I Shares (02/13/2002)
Accumulation unit value at beginning of period		$1.03		$0.94		$1.00		$0.83		$0.53		$0.98		$0.92		$0.84		$0.83		$0.80
Accumulation unit value at end of period		$1.27		$1.03		$0.94		$1.00		$0.83		$0.53		$0.98		$0.92		$0.84		$0.83
Number of accumulation units outstanding at end of period (000 omitted)		586		728		1,003		1,578		1,450		1,188		1,544		1,896		2,168		923

Ivy Funds VIP Asset Strategy (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.20		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,387		—		—		—		—		—		—		—		—		—

Janus Aspen Series Flexible Bond Portfolio: Service Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		243		—		—		—		—		—		—		—		—		—

Janus Aspen Series Global Allocation Portfolio – Moderate: Service Shares (04/30/2012)
Accumulation unit value at beginning of period		$1.04		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.17		$1.04		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		68		—		—		—		—		—		—		—		—		—

Janus Aspen Series Janus Portfolio: Service Shares (05/01/2007)
Accumulation unit value at beginning of period		$1.04		$0.89		$0.95		$0.84		$0.63		$1.06		$1.00		—		—		—
Accumulation unit value at end of period		$1.33		$1.04		$0.89		$0.95		$0.84		$0.63		$1.06		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		904		1,063		1,400		1,827		18,450		16,906		12,686		—		—		—

Lazard Retirement Global Dynamic Multi Asset Portfolio – Service Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.12		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		397		—		—		—		—		—		—		—		—		—


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 107


Variable account charges of 1.20% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


MFS^® Investors Growth Stock Series – Service Class (02/13/2002)
Accumulation unit value at beginning of period		$1.28		$1.11		$1.12		$1.01		$0.74		$1.18		$1.08		$1.02		$0.99		$0.92
Accumulation unit value at end of period		$1.65		$1.28		$1.11		$1.12		$1.01		$0.74		$1.18		$1.08		$1.02		$0.99
Number of accumulation units outstanding at end of period (000 omitted)		1,178		1,187		1,322		1,440		2,149		2,427		3,135		4,033		4,710		3,047

MFS^® New Discovery Series – Service Class (02/13/2002)
Accumulation unit value at beginning of period		$1.59		$1.34		$1.51		$1.12		$0.70		$1.17		$1.16		$1.04		$1.00		$0.95
Accumulation unit value at end of period		$2.23		$1.59		$1.34		$1.51		$1.12		$0.70		$1.17		$1.16		$1.04		$1.00
Number of accumulation units outstanding at end of period (000 omitted)		924		1,014		1,248		1,318		1,542		1,851		2,675		3,472		4,247		4,567

MFS^® Utilities Series – Service Class (02/13/2002)
Accumulation unit value at beginning of period		$2.92		$2.61		$2.48		$2.21		$1.69		$2.74		$2.18		$1.68		$1.46		$1.14
Accumulation unit value at end of period		$3.47		$2.92		$2.61		$2.48		$2.21		$1.69		$2.74		$2.18		$1.68		$1.46
Number of accumulation units outstanding at end of period (000 omitted)		2,644		2,679		2,928		2,748		3,343		4,698		6,370		6,302		5,189		2,575

Morgan Stanley UIF Global Real Estate Portfolio, Class II Shares (05/01/2006)
Accumulation unit value at beginning of period		$1.17		$0.91		$1.03		$0.85		$0.61		$1.10		$1.22		$1.00		—		—
Accumulation unit value at end of period		$1.19		$1.17		$0.91		$1.03		$0.85		$0.61		$1.10		$1.22		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,547		1,651		1,854		2,304		4,848		7,113		4,961		4,670		—		—

Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares (05/01/2006)
Accumulation unit value at beginning of period		$1.25		$1.17		$1.28		$0.98		$0.63		$1.19		$0.99		$1.00		—		—
Accumulation unit value at end of period		$1.70		$1.25		$1.17		$1.28		$0.98		$0.63		$1.19		$0.99		—		—
Number of accumulation units outstanding at end of period (000 omitted)		933		1,242		1,686		1,284		1,240		1,487		1,490		3,111		—		—

Neuberger Berman Advisers Management Trust International Equity Portfolio (Class S) (05/01/2006)
Accumulation unit value at beginning of period		$0.91		$0.78		$0.90		$0.75		$0.56		$1.06		$1.04		$1.00		—		—
Accumulation unit value at end of period		$1.06		$0.91		$0.78		$0.90		$0.75		$0.56		$1.06		$1.04		—		—
Number of accumulation units outstanding at end of period (000 omitted)		237		220		287		320		4,088		5,048		4,922		4,471		—		—

Oppenheimer Global Fund/VA, Service Shares (02/04/2004)
Accumulation unit value at beginning of period		$1.58		$1.32		$1.46		$1.28		$0.93		$1.58		$1.50		$1.30		$1.15		$1.00
Accumulation unit value at end of period		$1.98		$1.58		$1.32		$1.46		$1.28		$0.93		$1.58		$1.50		$1.30		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		2,554		2,440		2,763		2,966		3,414		4,437		6,986		8,796		5,927		2,391

Oppenheimer Global Strategic Income Fund/VA, Service Shares (02/04/2004)
Accumulation unit value at beginning of period		$1.54		$1.38		$1.38		$1.22		$1.04		$1.23		$1.14		$1.08		$1.06		$1.00
Accumulation unit value at end of period		$1.51		$1.54		$1.38		$1.38		$1.22		$1.04		$1.23		$1.14		$1.08		$1.06
Number of accumulation units outstanding at end of period (000 omitted)		13,581		17,582		20,765		25,920		45,739		58,677		62,902		46,387		23,303		4,223

Oppenheimer Main Street Small Cap Fund^®/VA, Service Shares (02/04/2004)
Accumulation unit value at beginning of period		$1.55		$1.33		$1.38		$1.14		$0.84		$1.37		$1.41		$1.24		$1.15		$1.00
Accumulation unit value at end of period		$2.16		$1.55		$1.33		$1.38		$1.14		$0.84		$1.37		$1.41		$1.24		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		1,577		1,506		1,679		2,099		2,510		3,184		4,773		5,725		3,700		1,477

PIMCO VIT All Asset Portfolio, Advisor Class (05/01/2006)
Accumulation unit value at beginning of period		$1.41		$1.25		$1.24		$1.11		$0.92		$1.11		$1.04		$1.00		—		—
Accumulation unit value at end of period		$1.40		$1.41		$1.25		$1.24		$1.11		$0.92		$1.11		$1.04		—		—
Number of accumulation units outstanding at end of period (000 omitted)		7,334		9,642		8,325		7,492		15,667		18,406		14,755		14,860		—		—

PIMCO VIT Global Multi-Asset Managed Allocation Portfolio, Advisor Class (04/30/2012)
Accumulation unit value at beginning of period		$1.03		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.94		$1.03		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		332		233		—		—		—		—		—		—		—		—

PIMCO VIT Total Return Portfolio, Advisor Class (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.96		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		264		—		—		—		—		—		—		—		—		—

Putnam VT Global Health Care Fund – Class IB Shares (02/13/2002)
Accumulation unit value at beginning of period		$1.35		$1.12		$1.15		$1.13		$0.91		$1.11		$1.13		$1.11		$1.00		$0.94
Accumulation unit value at end of period		$1.89		$1.35		$1.12		$1.15		$1.13		$0.91		$1.11		$1.13		$1.11		$1.00
Number of accumulation units outstanding at end of period (000 omitted)		412		433		508		683		936		1,192		1,630		2,416		2,388		1,649

Putnam VT International Equity Fund – Class IB Shares (02/13/2002)
Accumulation unit value at beginning of period		$1.37		$1.14		$1.39		$1.28		$1.04		$1.87		$1.75		$1.39		$1.25		$1.09
Accumulation unit value at end of period		$1.74		$1.37		$1.14		$1.39		$1.28		$1.04		$1.87		$1.75		$1.39		$1.25
Number of accumulation units outstanding at end of period (000 omitted)		366		444		703		801		1,046		1,497		2,184		2,660		3,019		2,995

Putnam VT Multi-Cap Growth Fund – Class IB Shares (09/24/2010)
Accumulation unit value at beginning of period		$1.22		$1.06		$1.13		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.65		$1.22		$1.06		$1.13		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		107		106		136		189		—		—		—		—		—		—

108 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 1.20% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Van Eck VIP Global Gold Fund (Class S Shares) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.77		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		184		—		—		—		—		—		—		—		—		—

Variable Portfolio – Aggressive Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.20		$1.07		$1.12		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.44		$1.20		$1.07		$1.12		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		112,247		95,228		88,245		18,111		—		—		—		—		—		—

Variable Portfolio – Aggressive Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.21		$1.07		$1.12		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.44		$1.21		$1.07		$1.12		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		5,048		5,386		7,382		11,130		—		—		—		—		—		—

Variable Portfolio – AQR Managed Futures Strategy Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.03		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		184		—		—		—		—		—		—		—		—		—

Variable Portfolio – BlackRock Global Inflation-Protected Securities Fund (Class 3) (09/13/2004)
Accumulation unit value at beginning of period		$1.36		$1.30		$1.19		$1.16		$1.10		$1.11		$1.04		$1.04		$1.03		$1.00
Accumulation unit value at end of period		$1.27		$1.36		$1.30		$1.19		$1.16		$1.10		$1.11		$1.04		$1.04		$1.03
Number of accumulation units outstanding at end of period (000 omitted)		4,528		6,547		7,560		9,304		25,536		17,319		17,958		20,730		13,014		516

Variable Portfolio – Conservative Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.13		$1.06		$1.04		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.15		$1.13		$1.06		$1.04		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		106,272		160,513		106,320		31,375		—		—		—		—		—		—

Variable Portfolio – Conservative Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.13		$1.06		$1.04		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.15		$1.13		$1.06		$1.04		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		11,689		18,739		19,708		20,762		—		—		—		—		—		—

Variable Portfolio – Goldman Sachs Commodity Strategy Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.92		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		86		—		—		—		—		—		—		—		—		—

Variable Portfolio – Moderate Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.18		$1.08		$1.09		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.30		$1.18		$1.08		$1.09		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		970,843		983,581		803,653		267,638		—		—		—		—		—		—

Variable Portfolio – Moderate Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.19		$1.08		$1.09		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.31		$1.19		$1.08		$1.09		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		63,550		66,495		76,905		95,000		—		—		—		—		—		—

Variable Portfolio – Moderately Aggressive Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.20		$1.08		$1.11		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.37		$1.20		$1.08		$1.11		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		448,743		416,636		380,432		98,233		—		—		—		—		—		—

Variable Portfolio – Moderately Aggressive Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.20		$1.08		$1.11		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.38		$1.20		$1.08		$1.11		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		17,092		20,325		28,510		43,525		—		—		—		—		—		—

Variable Portfolio – Moderately Conservative Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.15		$1.07		$1.07		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.22		$1.15		$1.07		$1.07		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		236,976		315,033		235,332		82,795		—		—		—		—		—		—

Variable Portfolio – Moderately Conservative Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.16		$1.08		$1.07		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.23		$1.16		$1.08		$1.07		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		23,130		30,768		33,844		38,588		—		—		—		—		—		—

Variable Portfolio – Partners Small Cap Value Fund (Class 3) (02/13/2002)
Accumulation unit value at beginning of period		$1.97		$1.76		$1.86		$1.52		$1.12		$1.66		$1.77		$1.49		$1.42		$1.20
Accumulation unit value at end of period		$2.63		$1.97		$1.76		$1.86		$1.52		$1.12		$1.66		$1.77		$1.49		$1.42
Number of accumulation units outstanding at end of period (000 omitted)		1,346		1,725		2,181		2,661		9,298		11,506		12,216		10,437		11,559		7,783


	RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS 109


Variable account charges of 1.20% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Variable Portfolio – Pyrford International Equity Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.05		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		36		—		—		—		—		—		—		—		—		—

Variable Portfolio – Sit Dividend Growth Fund (Class 3) (05/01/2006)
Accumulation unit value at beginning of period		$1.00		$0.92		$0.96		$0.87		$0.67		$1.11		$1.08		$1.00		—		—
Accumulation unit value at end of period		$1.27		$1.00		$0.92		$0.96		$0.87		$0.67		$1.11		$1.08		—		—
Number of accumulation units outstanding at end of period (000 omitted)		560		547		742		1,020		17,879		12,896		9,646		10,682		—		—

Variable Portfolio – Victory Established Value Fund (Class 3) (02/04/2004)
Accumulation unit value at beginning of period		$1.45		$1.25		$1.35		$1.12		$0.83		$1.33		$1.27		$1.11		$1.12		$1.00
Accumulation unit value at end of period		$1.94		$1.45		$1.25		$1.35		$1.12		$0.83		$1.33		$1.27		$1.11		$1.12
Number of accumulation units outstanding at end of period (000 omitted)		168		218		282		347		389		614		980		1,141		1,193		732

Wanger International (02/13/2002)
Accumulation unit value at beginning of period		$3.06		$2.55		$3.02		$2.45		$1.66		$3.08		$2.68		$1.98		$1.65		$1.28
Accumulation unit value at end of period		$3.70		$3.06		$2.55		$3.02		$2.45		$1.66		$3.08		$2.68		$1.98		$1.65
Number of accumulation units outstanding at end of period (000 omitted)		2,380		2,671		3,403		4,188		7,020		8,509		10,565		12,918		11,470		5,817

Wanger USA (02/13/2002)
Accumulation unit value at beginning of period		$1.98		$1.67		$1.75		$1.43		$1.02		$1.71		$1.64		$1.54		$1.40		$1.20
Accumulation unit value at end of period		$2.61		$1.98		$1.67		$1.75		$1.43		$1.02		$1.71		$1.64		$1.54		$1.40
Number of accumulation units outstanding at end of period (000 omitted)		3,704		4,290		5,535		7,116		11,266		14,444		19,504		23,503		23,080		15,408

Wells Fargo Advantage VT International Equity Fund – Class 2 (02/04/2004)
Accumulation unit value at beginning of period		$1.31		$1.17		$1.36		$1.18		$1.04		$1.80		$1.59		$1.31		$1.14		$1.00
Accumulation unit value at end of period		$1.55		$1.31		$1.17		$1.36		$1.18		$1.04		$1.80		$1.59		$1.31		$1.14
Number of accumulation units outstanding at end of period (000 omitted)		1,078		1,221		1,411		1,780		8,152		2,508		3,470		4,047		3,150		728

Wells Fargo Advantage VT Opportunity Fund – Class 2 (02/13/2002)
Accumulation unit value at beginning of period		$1.65		$1.45		$1.55		$1.27		$0.87		$1.47		$1.39		$1.25		$1.18		$1.01
Accumulation unit value at end of period		$2.13		$1.65		$1.45		$1.55		$1.27		$0.87		$1.47		$1.39		$1.25		$1.18
Number of accumulation units outstanding at end of period (000 omitted)		1,074		1,295		1,577		941		1,067		1,472		2,414		3,081		3,829		3,698

Wells Fargo Advantage VT Small Cap Growth Fund – Class 2 (02/13/2002)
Accumulation unit value at beginning of period		$1.65		$1.55		$1.65		$1.31		$0.87		$1.51		$1.34		$1.10		$1.05		$0.94
Accumulation unit value at end of period		$2.46		$1.65		$1.55		$1.65		$1.31		$0.87		$1.51		$1.34		$1.10		$1.05
Number of accumulation units outstanding at end of period (000 omitted)		1,040		1,006		1,106		1,331		1,388		1,360		1,799		1,527		1,557		1,643

Western Asset Variable Global High Yield Bond Portfolio – Class II (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.01		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		47		—		—		—		—		—		—		—		—		—

110 RIVERSOURCE RETIREMENT ADVISOR ADVANTAGE PLUS/RETIREMENT ADVISOR SELECT PLUS VARIABLE ANNUITY — PROSPECTUS

Prospectus

May 1, 2014

RiverSource

Retirement Advisor 4 Advantage^® Variable Annuity

Retirement Advisor 4 Select^® Variable Annuity

Retirement Advisor 4 Access^® Variable Annuity

INDIVIDUAL FLEXIBLE PREMIUM DEFERRED COMBINATION FIXED/VARIABLE ANNUITIES


Issued by:	RiverSource Life Insurance Company (RiverSource Life)

70100 Ameriprise Financial Center

Minneapolis, MN 55474

Telephone: 1-800-862-7919

(Corporate office)

ameriprise.com/variableannuities

RiverSource Variable Account 10/RiverSource Account MGA

New contracts are not currently being offered.

This prospectus contains information that you should know before investing in the RiverSource Retirement Advisor 4 Advantage Variable Annuity (RAVA 4 Advantage), the RiverSource Retirement Advisor 4 Select Variable Annuity (RAVA 4 Select), or the RiverSource Retirement Advisor 4 Access Variable Annuity (RAVA 4 Access). The information in this prospectus applies to all contracts unless stated otherwise.

Prospectuses are also available for:

• AllianceBernstein Variable Products Series Fund, Inc.

• ALPS Variable Investment Trust

• American Century Variable Portfolios, Inc

• BlackRock Variable Series Funds, Inc.

• Columbia Funds Variable Insurance Trust

• Columbia Funds Variable Series Trust II

• Credit Suisse Trust

• DWS Variable Series II

• Dreyfus Variable Investment Fund

• Eaton Vance Variable Trust

• Fidelity^® Variable Insurance Products — Service Class 2

• Franklin^® Templeton^® Variable Insurance Products Trust

(FTVIPT) – Class 2

• Goldman Sachs Variable Insurance Trust (VIT)

• Invesco Variable Insurance Funds

• Ivy Funds Variable Insurance Portfolios

• Janus Aspen Series: Service Shares

• Lazard Retirement Series, Inc.

• Legg Mason Partners Variable Equity Trust

• MFS^® Variable Insurance Trust^sm

• Morgan Stanley Universal Institutional Funds (UIF)

• Neuberger Berman Advisers Management Trust

• Oppenheimer Variable Account Funds Service Shares

• PIMCO Variable Insurance Trust (VIT)

• Wanger Advisors Trust

• Van Eck VIP Trust

• Wells Fargo Variable Trust

Please read the prospectuses carefully and keep them for future reference.


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 1

Internet site. This prospectus, the SAI and other information about the product are available on the EDGAR Database on the SEC’s Internet site at (http://www.sec.gov).

Variable annuities are insurance products that are complex investment vehicles. Before you invest, be sure to ask your financial advisor about the contract features, benefits, risks and fees, and whether the contract is appropriate for you, based upon your financial situation and objectives.

The contracts and/or certain optional benefits described in this prospectus may not be available in all jurisdictions. This prospectus constitutes an offering or solicitation only in those jurisdictions where such offering or solicitation may lawfully be made. State variations are covered in a special contract form used in that state. This prospectus provides a general description of the contracts. Your actual contract and any riders or endorsements are the controlling documents.

RiverSource Life has not authorized any person to give any information or to make any representations regarding the contracts other than those contained in this prospectus or the fund prospectuses.

RiverSource Life offers several different annuities which your financial advisor may or may not be authorized to offer to you. Each annuity has different features and benefits that may be appropriate for you based on your financial situation and needs, your age and how you intend to use the annuity. The different features and benefits may include the investment and fund manager options, variations in interest rate amount and guarantees, credits, surrender charge schedules and access to your annuity account values. The fees and charges you will pay when buying, owning and surrendering money from the contracts we describe in this prospectus may be more or less than the fees and charges of other variable annuities we and our affiliates issue. You should ask your financial advisor about his or her ability to offer you other variable annuities we issue (which might have lower fees and charges than the contracts described in this prospectus).

Table of Contents


Key Terms		3
The Contract in Brief		6
Expense Summary		8
Condensed Financial Information		18
Financial Statements		18
The Variable Account and the Funds		18
Guarantee Period Accounts (GPAs)		20
The Fixed Account		22
Buying Your Contract		23
Charges		27
Valuing Your Investment		38
Making the Most of Your Contract		39
Surrenders		49
TSA — Special Provisions		51
Changing Ownership		51
Benefits in Case of Death — Standard Death Benefit		52
Optional Benefits		54
The Annuity Payout Period		73
Taxes		75
Voting Rights		79
Substitution of Investments		80
About the Service Providers		80
Additional Information		81
Appendix A: The Funds		83
Appendix B: Example — Market Value Adjustment (MVA)		95
Appendix C: Example — Surrender Charges		97
Appendix D: Example — Optional Death Benefits		102
Appendix E: Example — Optional Living Benefits		106
Appendix F: Additional RMD Disclosure		113
Appendix G: Guarantor Withdrawal Benefit for Life Rider Disclosure		115
Appendix H: SecureSource Riders Disclosure		127
Appendix I: Example — Withdrawal Benefit Riders: Electing Step Up or Spousal Continuation Step Up		140
Appendix J: Condensed Financial Information (Unaudited)		141
Table of Contents of the Statement of Additional Information		155

2 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

Key Terms

These terms can help you understand details about your contract.

Accumulation unit: A measure of the value of each subaccount before annuity payouts begin.

Annuitant: The person or persons on whose life or life expectancy the annuity payouts are based.

Annuity payouts: An amount paid at regular intervals under one of several plans.

Band 3 annuities: RAVA 4 Advantage and RAVA 4 Select contracts that are available for:


•	current or retired employees of Ameriprise Financial, Inc. or its subsidiaries and their spouses or domestic partners (employees),

•	current or retired Ameriprise financial advisors and their spouses or domestic partners (advisors), or

•	individuals investing an initial purchase payment of $1 million or more, with our approval (other individuals).

Beneficiary: The person you designate to receive benefits in case of your death while the contract is in force.

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.

Contract value: The total value of your contract before we deduct any applicable charges.

Contract year: A period of 12 months, starting on the effective date of your contract and on each anniversary of the effective date.

Fixed Account: Our general account which includes the Regular Fixed account and the Special DCA fixed account. Amounts you allocate to this account earn interest at rates that we declare periodically.

Guarantee Period: The number of successive 12-month periods that a guaranteed interest rate is credited.

Guarantee Period Accounts (GPAs): A nonunitized separate account to which you may allocate purchase payments and purchase payment credits or transfer contract value of at least $1,000. These accounts have guaranteed interest rates for guarantee periods we declare when you allocate purchase payments and purchase payment credits or transfer contract value to a GPA. These guaranteed rates and periods of time may vary by state. Unless an exception applies, transfers or surrenders from a GPA done more than 30 days before the end of the guarantee period will receive a market value adjustment, which may result in a gain or loss of principal.


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 3

Guarantor Withdrawal Benefit For Life^® Rider (GWB for Life^®): This is an optional benefit you can add to your contract for an additional charge. It is intended to provide a guaranteed withdrawal up to a certain amount each year from the contract, regardless of the investment performance of your contract before the annuity payments begin, until you have recovered at a minimum, all of your purchase payments plus any purchase payment credits. Under certain limited circumstances, it gives you the right to take limited withdrawals in each contract year until death. Investment allocation restrictions apply. This rider is not available for RAVA 4 Access. This rider is no longer available for sale.

Owner (you, your): A person or persons identified in the contract as owner(s) of the contract, who has or have the right to control the contract (to decide on investment allocations, transfers, payout options, etc.). Usually, but not always, the owner is also the annuitant. During the owner’s life, the owner is responsible for taxes, regardless of whether he or she receives the contract’s benefits. If the contract has a nonnatural person as the owner, “you, your, and owner” means the annuitant where contract provisions are based on the age or life of the owner. When the contract is owned by a revocable trust, the annuitant selected should be the grantor of the trust to assure compliance with Section 72(s) of the Code.

Portfolio Navigator Program (PN program): This is a program in which you were required to participate if you selected the optional Accumulation Benefit rider, the optional GWB for Life rider or the optional SecureSource riders.

Purchase payment credits: An addition we make to your contract value. We base the amount of the credit on the surrender charge schedule you elect and/or total purchase payments. Purchase payment credits are not available under RAVA 4 Access contracts.

Qualified annuity: A contract that you purchase to fund one of the following tax-deferred retirement plans that is subject to applicable federal law and any rules of the plan itself:


•	Individual Retirement Annuities (IRAs) including inherited IRAs under Section 408(b) of the Code

•	Roth IRAs including inherited Roth IRAs under Section 408A of the Code

•	SIMPLE IRAs under Section 408(p) of the Code

•	Simplified Employee Pension IRA (SEP) plans under Section 408(k) of the Code

•	Custodial and investment only accounts maintained for qualified retirement plans under Section 401(a) of the Code

•	Tax-Sheltered Annuities (TSAs) under Section 403(b) of the Code

A qualified annuity will not provide any necessary or additional tax deferral if it is used to fund a retirement plan that is already tax-deferred.

All other contracts are considered nonqualified annuities.

Rider: You receive a rider to your contract when you purchase the EEB, EEP, MAV, 5-Year MAV, ROPP, Accumulation Benefit, GWB for Life and/or SecureSource rider. The rider adds the terms of the optional benefit to your contract.

Rider effective date: The date a rider becomes effective as stated in the rider.

RiverSource Life: In this prospectus, “we,” “us,” “our” and “RiverSource Life” refer to RiverSource Life Insurance Company.

SecureSource^® riders: These are optional benefits that you can add to your contract for an additional charge. SecureSource — Single Life covers one person. SecureSource — Joint Life covers two spouses jointly. The benefit is intended to provide guaranteed withdrawals up to a certain amount each year from the contract, regardless of the investment performance of your contract before the annuity payments begin until you have recovered, at a minimum, all of your purchase payments plus any purchase payment credits. Under certain limited circumstances, it gives you the right to take limited

4 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

withdrawals in each contract year until death. These riders require participation in the PN program. When used in this prospectus, “SecureSource riders” include SecureSource Flex riders, except where the SecureSource Flex riders are specifically referenced and distinguished from the other SecureSource riders. These riders are not available for RAVA 4 Access.

Settlement date: The date when annuity payouts are scheduled to begin.

Special Dollar-Cost Averaging (Special DCA) Fixed Account: An account to which you may allocate new purchase payments of at least $10,000. Amounts you allocate to this account earn interest at rates that we declare periodically and will transfer into your specified subaccount allocations in six monthly transfers.

Surrender value: The amount you are entitled to receive if you make a full surrender from your contract. It is the contract value minus any applicable charges.

Variable account: Separate subaccounts to which you may allocate purchase payments; each invests in shares of one fund. The value of your investment in each subaccount changes with the performance of the particular fund.


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 5

The Contract in Brief

This prospectus describes three contracts. Each contract has different expenses. RAVA 4 Access does not have surrender charges, but it has the highest mortality and expense risk fees of the three contracts. RAVA 4 Select has a three-year surrender charge schedule and has lower mortality and expense risk fees than RAVA 4 Access. RAVA 4 Advantage offers a choice of a seven-year or a ten-year surrender charge schedule, and has the lowest mortality and expense risk fees of the three contracts. RAVA 4 Advantage and RAVA 4 Select include the option to purchase living benefit riders; living benefit riders are not currently available under RAVA 4 Access. Your financial advisor can help you determine which contract is best suited to your needs based on factors such as your investment goals and how long you intend to keep your contract. The information in this prospectus applies to all contracts unless stated otherwise.

Purpose: The purpose of each contract is to allow you to accumulate money for retirement or a similar long-term goal. You do this by making one or more purchase payments. You may allocate your purchase payments to the GPAs, regular fixed account, subaccounts and/or Special DCA fixed account under the contract; however, you risk losing amounts you invest in the subaccounts of the variable account. These accounts, in turn, may earn returns that increase the value of the contract. You may be able to purchase an optional benefit to reduce the investment risk you assume under your contract. If the contract value goes to zero due to underlying fund’s performance or deduction of fees, the contract will no longer be in force and the contract (including any death benefit riders) will terminate. Beginning at a specified time in the future called the settlement date, the contract provides lifetime or other forms of payouts of your contract value (less any applicable premium tax).

Buying a contract: We no longer offer new contracts. However, you have the option of making additional purchase payments in the future, subject to certain limitations. Purchase payment amounts and purchase payment timing may be limited under the terms of your contract and/or pursuant to state requirements. (See “Buying Your Contract”)

It may not have been advantageous for you to purchase this contract in exchange for, or in addition to, an existing annuity or life insurance policy. Generally, you can exchange one annuity for another or for a long-term care policy in a “tax-free” exchange under Section 1035 of the Code. You can also do a partial exchange from one annuity contract to another annuity contract, subject to Internal Revenue Service (“IRS”) rules. You also generally can exchange a life insurance policy for an annuity. However, before making an exchange, you should compare both contracts carefully because the features and benefits may be different. Fees and charges may be higher or lower on your old contract than on this contract. You may have to pay a surrender charge when you exchange out of your old contract and a new surrender charge period will begin when you exchange into this contract. If the exchange does not qualify for Section 1035 treatment, you also may have to pay federal income tax on the distribution. State income taxes may also apply. You should not exchange your old contract for this contract, or buy this contract in addition to your old contract, unless you determine it is in your best interest. (See “Taxes — 1035 Exchanges.”)

Tax-deferred retirement plans: Most annuities have a tax-deferred feature. So do many retirement plans under the Code. As a result, when you use a qualified annuity to fund a retirement plan that is tax-deferred, your contract will not provide any necessary or additional tax deferral for that retirement plan. A qualified annuity has features other than tax deferral that may help you reach your retirement goals. In addition, the Code subjects retirement plans to required withdrawals triggered at a certain age. These mandatory withdrawals are called required minimum distributions (“RMDs”). RMDs may reduce the value of certain death benefits and optional riders (see “Taxes — Qualified Annuities — Required Minimum Distributions”). You should consult your tax advisor before you purchase the contract as a qualified annuity for an explanation of the tax implications to you.

Free look period: You may return your contract to your financial advisor or to our corporate office within the time stated on the first page of your contract and receive a full refund of the contract value less the amounts of any purchase payment credits, subject to market value adjustment. The valuation date will be the date your request is received at our corporate office. (For California residents, the valuation date will be the earlier of the date your contract is returned to your financial advisor or to our corporate office). We will not deduct any contract charges or fees. However, you bear the investment risk from the time of purchase until you return the contract and any positive or negative market value adjustment will apply; the refund amount may be more or less than the payment you made. (Exception: If the law requires, we will refund all of your purchase payments.)

Accounts: Generally, you may allocate your purchase payments among the:

•

the subaccounts of the variable account, each of which invests in a fund with a particular investment objective. The value of each subaccount varies with the performance of the particular fund in which it invests. We cannot guarantee that the value at the settlement date will equal or exceed the total purchase payments you allocate to the subaccounts. (see “The Variable Account and the Funds”)

6 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS


•	the GPAs which earn interest at rates declared when you make an allocation to that account. The required minimum investment in each GPA is $1,000. These accounts may not be available in all states. (see “Guarantee Period Accounts (GPAs)”)

•	the regular fixed account, which earns interest at rates that we adjust periodically. Purchase payment allocations to the regular fixed account may be subject to special restrictions. Effective May 10, 2010, for RAVA 4 Access contracts you cannot select the regular fixed account. (Exception: RAVA 4 Access contract holders who remained invested in the static PN program model portfolio and have the regular fixed account included in the model portfolio selected.) (see “The Fixed Account”)

•	the Special DCA fixed account, when available. (see “The Fixed Account — The Special DCA Fixed Account”)

Transfers: Subject to certain restrictions, you currently may redistribute your contract value among the subaccounts until annuity payouts begin, and once per contract year after annuity payouts begin. Transfers out of the GPAs done more than 30 days before the end of the Guarantee Period will be subject to an MVA, unless an exception applies. You may establish automated transfers among the accounts. You may not transfer existing amounts to the Special DCA fixed account. GPAs and regular fixed account transfers are subject to special restrictions. (see “Making the Most of Your Contract — Transferring Among Accounts”)

Surrenders: You may surrender all or part of your contract value at any time before the settlement date. You also may establish automated partial surrenders. Surrenders may be subject to charges and income taxes (including an IRS penalty that may apply if you surrender prior to your reaching age 591/2) and may have other tax consequences. If you have elected the SecureSource Flex rider, please consider carefully when you take withdrawals. If you take withdrawals during the 3-year waiting period,your benefits will be set to zero until the end of the waiting period when they will be re-established based on your contract value at that time. Certain other restrictions may apply. (see “Surrenders”)

Annuity payouts: You can apply your contract value, after reflecting any adjustments, to an annuity payout plan that begins on the settlement date. You may choose from a variety of plans that can help meet your retirement or other income needs. The payout schedule must meet IRS requirements. We can make payouts on a fixed or variable basis, or both. Total monthly payouts may include amounts from each subaccount and the regular fixed account. During the annuity payout period, you cannot be invested in more than five subaccounts at any one time unless we agree otherwise. (see “The Annuity Payout Period”)


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 7

Expense Summary

The following tables describe the fees and expenses that you will pay when buying, owning and surrendering the contract. The first table describes the fees and expenses that you will pay at the time that you buy the contract or surrender the contract. State premium taxes also may be deducted.

CONTRACT OWNER TRANSACTION EXPENSES

Surrender charge for RAVA 4 Advantage:

(Contingent deferred sales load as a percentage of purchase payment surrendered)

You select either a seven-year or ten-year surrender charge schedule at the time of application.*


Seven-year schedule				Ten-year schedule*
Number of completed				Number of completed
years from date of each	Surrender charge			years from date of each	Surrender charge
purchase payment**	percentage			purchase payment**	percentage

0		7	%	0		8	%

1		7		1		8

2		7		2		8

3		6		3		7

4		5		4		7

5		4		5		6

6		2		6		5

7+		0		7		4

				8		3

				9		2

				10+		0


*		In Alaska, Arizona, Colorado, Connecticut, Georgia, Hawaii, Illinois, Iowa, Michigan, Minnesota, Mississippi, Montana, New Jersey, North Carolina, Oregon, Texas, Utah and Washington the ten-year surrender charge schedule is 8% for years 0-2, 7% for year 3 and declining by 1% each year thereafter until it is 0% for years 10+. For contracts issued in Alabama and Massachusetts, surrender charges are waived after the tenth contract anniversary for all payments regardless of when payments are made. Please see your contract for the surrender charge schedule applicable to you.
**		According to our current administrative practice, for the purpose of surrender charge calculation, we consider that the year is completed fourteen days prior to the anniversary of the day each purchase payment was received.

Surrender charge for RAVA 4 Select (except Texas):

(Contingent deferred sales load as a percentage of purchase payment surrendered)


Years from	Surrender charge
contract date***	percentage

1		7	%

2		7

3		7

Thereafter		0

Surrender charge for RAVA 4 Select in Texas:

(Contingent deferred sales load as a percentage of purchase payment surrendered)


Number of completed
years from date of each	Surrender charge
purchase payment***	percentage

0		8	%

1		7

2		6

Thereafter		0

There are no surrender charges after the third contract anniversary.


***		According to our current administrative practice, for the purpose of surrender charge calculation, we consider that the year is completed one day prior to the contract anniversary.

8 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

Surrender charge for RAVA 4 Access:

Surrender charge under Annuity Payout Plan E — Payouts for a specified period: If you are receiving variable annuity payments under this annuity payout plan, you can choose to take surrender. The amount that you can surrender is the present value of any remaining variable payouts. The discount rate we use in the calculation will be 5.17% if the assumed investment return is 3.5% and 6.67% for the assumed investment return of 5%. The surrender charge equals the present value of the remaining payouts using the assumed investment return minus the present value of the remaining payouts using the discount rate. (See “Charges — Surrender Charge” and “The Annuity Payout Period — Annuity Payout Plans.”)

The next tables describe the fees and expenses that you will pay periodically during the time that you own the contract, not including fund fees and expenses.

ANNUAL CONTRACT ADMINISTRATIVE CHARGE



		Maximum: $50*		Current: $30

(We will waive this $30 charge when your contract value, or total purchase payments less any payments surrendered, is $50,000 or more on the current contract anniversary, except at full surrender.)


*		In certain states and for certain contracts we have waived our right to increase the contract administrative charge.

ANNUAL VARIABLE ACCOUNT EXPENSES

(Total annual variable account expenses as a percentage of average daily subaccount value)


Mortality and expense risk fee:	RAVA 4 Advantage			RAVA 4 Select			RAVA 4 Access


For nonqualified annuities		1.05	%		1.30	%		1.45	%

For qualified annuities		.85	%		1.10	%		1.25	%

OPTIONAL RIDER FEES

Optional Death Benefits

(As a percentage of contract value charged annually at the contract anniversary. The fee applies only if you elect the optional rider.)



ROPP rider fee	Maximum: 0.30%	Current: 0.20%

MAV rider fee	Maximum: 0.35%	Current: 0.25%

5-Year MAV rider fee	Maximum: 0.20%	Current: 0.10%

EEB rider fee	Maximum: 0.40%	Current: 0.30%

EEP rider fee	Maximum: 0.50%	Current: 0.40%

Optional Living Benefits

Accumulation Benefit rider fee


Contract purchase date	Initial annual rider fee			Maximum annual rider fee


prior to 1/26/2009		0.60	%		2.50	%

1/26/2009 – 5/31/2009		0.80	%		2.50	%

11/09/2009 – 10/03/2010		1.25	%		2.50	%

10/04/2010 and later		1.50	%		2.50	%

Current rider fees for elective step up or elective spousal continuation step up are shown in the table below.


				Current annual rider fee for			Current annual rider fee for
				elective step ups on/after			elective step ups on/after
	Current annual rider			10/20/12 if invested in a			11/18/13 if invested in a
	fee for elective			Portfolio Navigator fund			Portfolio Stabilizer fund
Contract purchase date	step ups before 10/20/12			at the time of the step up			at the time of the step up


prior to 1/26/2009		0.60	%		1.75	%		1.30	%

1/26/2009 – 5/31/2009		0.80	%		1.75	%		1.30	%

11/09/2009 – 10/03/2010		1.25	%		1.75	%		1.30	%

10/04/2010 and later		1.50	%		1.75	%		1.30	%

(Charged annually as a percentage of contract value or the minimum contract accumulation value, whichever is greater. The fee applies only if you elect the optional rider.)


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 9



SecureSource Flex – Single life rider fee	Maximum: 2.00%	Current: 0.95%

SecureSource Flex – Joint life rider fee	Maximum: 2.50%	Current: 1.10%

(Charged annually at the contract anniversary as a percentage of contract value or the total Remaining Benefit Amount, whichever is greater. The fee applies only if you elect the optional rider.)


GWB for Life rider fee		Maximum: 1.50%		Initial: 0.65%⁽¹⁾

(Charged annually at the contract anniversary as a percentage of contract value or the total Remaining Benefit Amount, whichever is greater. The fee applies only if you elect the optional rider.)


⁽¹⁾		Effective Dec. 18, 2013 if you request an elective step up or the elective spousal continuation step up, or move to a Portfolio Navigator fund that is more aggressive than your current Portfolio Navigator fund allocation, the fee that will apply to your rider will correspond to the fund in which you are invested following the change as shown in the table below.


	Current rider fee
Fund name	as of 12/18/13


Portfolio Stabilizer funds		0.65	%

Portfolio Navigator funds:

Variable Portfolio – Conservative Portfolio (Class 2), (Class 4)		0.65	%

Variable Portfolio – Moderately Conservative Portfolio (Class 2), (Class 4)		0.65	%

Variable Portfolio – Moderate Portfolio (Class 2), (Class 4)		0.65	%

Variable Portfolio – Moderately Aggressive Portfolio (Class 2), (Class 4)		0.95	%

Variable Portfolio – Aggressive Portfolio (Class 2), (Class 4)		1.10	%



SecureSource^® rider fees


Contract purchase date	Initial annual rider fee⁽²⁾			Maximum annual rider fee


prior to 1/26/2009, Single Life		0.65	%		1.50	%

prior to 1/26/2009, Joint Life		0.85	%		1.75	%

1/26/2009 and later, Single Life		0.90	%		2.00	%

1/26/2009 and later, Joint Life		1.15	%		2.50	%

(Charged annually on the contract anniversary as a percentage of the contract value or the total Remaining Benefit Amount, whichever is greater.)


⁽²⁾		Effective Dec. 18, 2013 if you request an elective step up or the elective spousal continuation step up, or move to a Portfolio Navigator fund that is more aggressive than your current Portfolio Navigator fund allocation, the fee that will apply to your rider will correspond to the fund in which you are invested following the change as shown in the table below.


				Portfolio Navigator funds
							Variable						Variable
				Variable			Portfolio –			Variable			Portfolio –			Variable
				Portfolio –			Moderately			Portfolio –			Moderately			Portfolio –
				Conservative			Conservative			Moderate			Aggressive			Aggressive
	All Portfolio			Portfolio			Portfolio			Portfolio			Portfolio			Portfolio
	Stabilizer			(Class 2),			(Class 2),			(Class 2),			(Class 2),			(Class 2),
Contract purchase date	funds			(Class 4)			(Class 4)			(Class 4)			(Class 4)			(Class 4)


prior to 1/26/2009, Single Life		0.65	%		0.65	%		0.65	%		0.65	%		0.90	%		1.00	%

prior to 1/26/2009, Joint Life		0.85	%		0.85	%		0.85	%		0.85	%		1.10	%		1.20	%

1/26/2009 and later, Single Life		0.90	%		0.90	%		0.90	%		0.90	%		1.00	%		1.10	%

1/26/2009 and later, Joint Life		1.15	%		1.15	%		1.15	%		1.15	%		1.25	%		1.35	%

10 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

ANNUAL OPERATING EXPENSES OF THE FUNDS

The next two tables describe the operating expenses of the funds that you may pay periodically during the time that you own the contract. These operating expenses are for the fiscal year ended Dec. 31, 2013, unless otherwise noted. The first table shows the minimum and maximum total operating expenses charged by the funds. The second table shows the fees and expenses charged by each fund. More detail concerning each fund’s fees and expenses is contained in each fund’s prospectus.

Minimum and maximum total annual operating expenses for the funds^(a)

(Including management fee, distribution and/or service (12b-1) fees and other expenses)


	Minimum			Maximum


Total expenses before fee waivers and/or expense reimbursements		0.44	%		4.82	%


^(a)		Each fund deducts management fees and other expenses from fund assets. Fund assets include amounts you allocate to a particular fund. Funds may also charge 12b-1 fees that are used to finance any activity that is primarily intended to result in the sale of fund shares. Because 12b-1 fees are paid out of fund assets on an on-going basis, you may pay more if you select subaccounts investing in funds that have adopted 12b-1 plans than if you select subaccounts investing in funds that have not adopted 12b-1 plans. The fund or the fund’s affiliates may pay us or our affiliates for promoting and supporting the offer, sale and servicing of fund shares. In addition, the fund’s distributor and/or investment adviser, transfer agent or their affiliates may pay us or our affiliates for various services we or our affiliates provide. The amount of these payments will vary by fund and may be significant. See “The Variable Accounts 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.

Total annual operating expenses for each fund underlying RAVA 4 Advantage, RAVA 4 Select and RAVA 4 Access*

(Before fee waivers and/or expense reimbursements, if applicable, as a percentage of average daily net assets)


				Distribution						Acquired fund			Total annual
	Management			and/or Service			Other			fees and			operating
Fund name**	fees			12b-1 fees			expenses			expenses***			expenses


AllianceBernstein VPS Dynamic Asset Allocation Portfolio (Class B)		0.70	%		0.25	%		0.19	%		—	%		1.14	%⁽¹⁾


AllianceBernstein VPS Global Thematic Growth Portfolio (Class B)		0.75			0.25			0.23			—			1.23


AllianceBernstein VPS Growth and Income Portfolio (Class B)		0.55			0.25			0.05			—			0.85


AllianceBernstein VPS International Value Portfolio (Class B)		0.75			0.25			0.07			—			1.07


AllianceBernstein VPS Large Cap Growth Portfolio (Class B)		0.75			0.25			0.10			—			1.10


ALPS/Alerian Energy Infrastructure Portfolio: Class III		0.70			0.25			1.27			—			2.22	⁽²⁾


American Century VP Mid Cap Value, Class II		0.90			0.25			0.01			—			1.16


American Century VP Ultra^®, Class II		0.90			0.25			0.01			—			1.16


American Century VP Value, Class II		0.87			0.25			—			—			1.12


BlackRock Global Allocation V.I. Fund (Class III)		0.62			0.25			0.24			—			1.11	⁽³⁾


ClearBridge Variable Small Cap Growth Portfolio – Class I		0.75			—			0.08			—			0.83


Columbia Variable Portfolio – Balanced Fund (Class 3)		0.64			0.13			0.16			—			0.93


Columbia Variable Portfolio – Cash Management Fund (Class 3)		0.33			0.13			0.15			—			0.61


Columbia Variable Portfolio – Commodity Strategy Fund (Class 2)		0.55			0.25			0.30			—			1.10


Columbia Variable Portfolio – Contrarian Core Fund (Class 2)		0.68			0.25			0.13			—			1.06


Columbia Variable Portfolio – Core Bond Fund (Class 2)		0.43			0.25			0.14			—			0.82


Columbia Variable Portfolio – Diversified Bond Fund (Class 3)		0.41			0.13			0.14			—			0.68


Columbia Variable Portfolio – Dividend Opportunity Fund (Class 3)		0.56			0.13			0.14			—			0.83


Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2)		0.53			0.25			0.16			—			0.94


Columbia Variable Portfolio – Emerging Markets Fund (Class 3)		1.07			0.13			0.23			—			1.43


Columbia Variable Portfolio – Global Bond Fund (Class 3)		0.56			0.13			0.17			—			0.86


Columbia Variable Portfolio – High Yield Bond Fund (Class 3)		0.58			0.13			0.18			—			0.89


Columbia Variable Portfolio – Income Opportunities Fund (Class 2)		0.57			0.25			0.15			—			0.97


Columbia Variable Portfolio – Income Opportunities Fund (Class 3)		0.57			0.13			0.15			—			0.85


Columbia Variable Portfolio – International Opportunity Fund (Class 3)		0.79			0.13			0.21			—			1.13


Columbia Variable Portfolio – Large Cap Growth Fund (Class 3)		0.68			0.13			0.13			—			0.94


Columbia Variable Portfolio – Large Core Quantitative Fund (Class 3)		0.64			0.13			0.15			—			0.92


Columbia Variable Portfolio – Limited Duration Credit Fund (Class 2)		0.46			0.25			0.13			—			0.84


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 11

Total annual operating expenses for each fund underlying RAVA 4 Advantage, RAVA 4 Select and RAVA 4 Access* (continued)

(Before fee waivers and/or expense reimbursements, if applicable, as a percentage of average daily net assets)


				Distribution						Acquired fund			Total annual
	Management			and/or Service			Other			fees and			operating
Fund name**	fees			12b-1 fees			expenses			expenses***			expenses


Columbia Variable Portfolio – Managed Volatility Conservative Fund (Class 2)		0.20	%		0.25	%		0.46	%		0.47	%		1.38	%⁽⁴⁾


Columbia Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2)		0.20			0.25			0.20			0.52			1.17	⁽⁴⁾


Columbia Variable Portfolio – Managed Volatility Growth Fund (Class 2)		0.20			0.25			0.08			0.60			1.13	⁽⁴⁾


Columbia Variable Portfolio – Managed Volatility Moderate Growth Fund (Class 2)		0.19			0.25			0.06			0.54			1.04


Columbia Variable Portfolio – Marsico Growth Fund (Class 1)		0.71			—			0.17			—			0.88	^(5),(6)


Columbia Variable Portfolio – Marsico International Opportunities Fund (Class 2)		0.79			0.25			0.25			—			1.29	^(5),(6)


Columbia Variable Portfolio – Mid Cap Growth Opportunity Fund (Class 3)		0.76			0.13			0.14			—			1.03


Columbia Variable Portfolio – Mid Cap Value Opportunity Fund (Class 3)		0.74			0.13			0.14			—			1.01


Columbia Variable Portfolio – Multi-Strategy Alternatives Fund (Class 2)**		1.02			0.25			0.23			—			1.50


Columbia Variable Portfolio – S&P 500 Index Fund (Class 3)		0.10			0.13			0.21			—			0.44


Columbia Variable Portfolio – Select Large-Cap Value Fund (Class 3)		0.70			0.13			0.13			—			0.96


Columbia Variable Portfolio – Select Smaller-Cap Value Fund (Class 3)		0.79			0.13			0.20			—			1.12


Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 3)		0.36			0.13			0.13			—			0.62


Credit Suisse Trust – Commodity Return Strategy Portfolio		0.50			0.25			0.58			—			1.33	⁽⁷⁾


Dreyfus Variable Investment Fund International Equity Portfolio, Service Shares		0.75			0.25			0.36			—			1.36


DWS Alternative Asset Allocation VIP, Class B		0.36			0.25			0.32			1.23			2.16	⁽⁸⁾


Eaton Vance VT Floating-Rate Income Fund		0.58			0.50			0.08			—			1.16


Fidelity^® VIP Contrafund^® Portfolio Service Class 2		0.55			0.25			0.09			—			0.89


Fidelity^® VIP Mid Cap Portfolio Service Class 2		0.55			0.25			0.09			—			0.89


Fidelity^® VIP Overseas Portfolio Service Class 2		0.70			0.25			0.14			—			1.09


Fidelity^® VIP Strategic Income Portfolio Service Class 2		0.56			0.25			0.12			—			0.93


FTVIPT Franklin Global Real Estate VIP Fund – Class 2**		1.05			0.25			0.05			—			1.35	⁽⁹⁾


FTVIPT Franklin Income VIP Fund – Class 2**		0.45			0.25			0.02			—			0.72


FTVIPT Franklin Mutual Shares VIP Fund – Class 2**		0.60			0.25			0.11			—			0.96


FTVIPT Franklin Small Cap Value VIP Fund – Class 2**		0.50			0.25			0.13			—			0.88


FTVIPT Templeton Global Bond VIP Fund – Class 2**		0.46			0.25			0.05			—			0.76


Goldman Sachs VIT Multi-Strategy Alternatives Portfolio – Advisor Shares		0.15			0.40			1.39			0.90			2.84	⁽¹⁰⁾


Goldman Sachs VIT U.S. Equity Insights Fund – Institutional Shares**		0.62			—			0.09			—			0.71	⁽¹¹⁾


Invesco V.I. American Franchise Fund, Series II Shares		0.67			0.25			0.29			—			1.21


Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares		0.90			0.25			0.21			0.11			1.47	⁽¹²⁾


Invesco V.I. Comstock Fund, Series II Shares		0.56			0.25			0.28			—			1.09	⁽¹³⁾


Invesco V.I. Diversified Dividend Fund, Series II Shares		0.50			0.25			0.22			0.01			0.98	⁽¹⁴⁾


Invesco V.I. Global Health Care Fund, Series II Shares		0.75			0.25			0.35			0.01			1.36	⁽¹⁴⁾


Invesco V.I. International Growth Fund, Series II Shares		0.71			0.25			0.31			0.01			1.28	⁽¹⁴⁾


Invesco V.I. Mid Cap Growth Fund, Series II Shares		0.75			0.25			0.33			—			1.33


Ivy Funds VIP Asset Strategy		0.68			0.25			0.05			—			0.98	⁽¹⁵⁾


Janus Aspen Series Flexible Bond Portfolio: Service Shares		0.51			0.25			0.05			—			0.81


Janus Aspen Series Global Allocation Portfolio – Moderate: Service Shares		0.05			0.25			2.12			0.81			3.23	⁽¹⁶⁾


Janus Aspen Series Janus Portfolio: Service Shares		0.49			0.25			0.05			—			0.79

12 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

Total annual operating expenses for each fund underlying RAVA 4 Advantage, RAVA 4 Select and RAVA 4 Access* (continued)

(Before fee waivers and/or expense reimbursements, if applicable, as a percentage of average daily net assets)


				Distribution						Acquired fund			Total annual
	Management			and/or Service			Other			fees and			operating
Fund name**	fees			12b-1 fees			expenses			expenses***			expenses


Lazard Retirement Global Dynamic Multi Asset Portfolio – Service Shares**		0.85	%		0.25	%		0.60	%		—	%		1.70	%⁽¹⁷⁾


MFS^® Investors Growth Stock Series – Service Class		0.75			0.25			0.07			—			1.07


MFS^® Utilities Series – Service Class		0.73			0.25			0.07			—			1.05


Morgan Stanley UIF Global Real Estate Portfolio, Class II Shares		0.85			0.35			0.49			—			1.69	⁽¹⁸⁾


Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares		0.75			0.35			0.34			—			1.44	⁽¹⁸⁾


Neuberger Berman Advisers Management Trust Absolute Return Multi-Manager Portfolio (Class S)		2.00			0.25			1.74			0.04			4.03	⁽¹⁹⁾


Neuberger Berman Advisers Management Trust International Equity Portfolio (Class S)		1.15			0.25			1.09			—			2.49	⁽²⁰⁾


Neuberger Berman Advisers Management Trust Socially Responsive Portfolio (Class S)		0.85			0.25			0.15			—			1.25	⁽²⁰⁾


Oppenheimer Equity Income Fund/VA, Service Shares		0.75			0.25			0.89			—			1.89	⁽²¹⁾


Oppenheimer Global Fund/VA, Service Shares		0.63			0.25			0.14			—			1.02


Oppenheimer Global Strategic Income Fund/VA, Service Shares		0.57			0.25			0.17			—			0.99	⁽²²⁾


Oppenheimer Main Street Small Cap Fund^®/VA, Service Shares		0.68			0.25			0.13			—			1.06	⁽²³⁾


PIMCO VIT All Asset Portfolio, Advisor Class		0.43			0.25			—			0.76			1.44	⁽²⁴⁾


PIMCO VIT Global Multi-Asset Managed Allocation Portfolio, Advisor Class**		0.95			0.25			0.01			0.52			1.73	⁽²⁵⁾


PIMCO VIT Total Return Portfolio, Advisor Class		0.50			0.25			—			—			0.75


Van Eck VIP Global Gold Fund (Class S Shares)		0.75			0.25			3.82			—			4.82	⁽²⁶⁾


Variable Portfolio – Aggressive Portfolio (Class 2)		—			0.25			0.03			0.80			1.08


Variable Portfolio – Aggressive Portfolio (Class 4)		—			0.25			0.03			0.80			1.08


Variable Portfolio – AQR Managed Futures Strategy Fund (Class 2)		1.02			0.25			0.17			—			1.44


Variable Portfolio – BlackRock Global Inflation-Protected Securities Fund (Class 3)		0.42			0.13			0.14			—			0.69


Variable Portfolio – Conservative Portfolio (Class 2)		—			0.25			0.03			0.60			0.88


Variable Portfolio – Conservative Portfolio (Class 4)		—			0.25			0.03			0.60			0.88


Variable Portfolio – Goldman Sachs Commodity Strategy Fund (Class 2)		0.55			0.25			0.16			—			0.96


Variable Portfolio – Moderate Portfolio (Class 2)		—			0.25			0.02			0.72			0.99


Variable Portfolio – Moderate Portfolio (Class 4)		—			0.25			0.02			0.72			0.99


Variable Portfolio – Moderately Aggressive Portfolio (Class 2)		—			0.25			0.02			0.76			1.03


Variable Portfolio – Moderately Aggressive Portfolio (Class 4)		—			0.25			0.02			0.76			1.03


Variable Portfolio – Moderately Conservative Portfolio (Class 2)		—			0.25			0.02			0.67			0.94


Variable Portfolio – Moderately Conservative Portfolio (Class 4)		—			0.25			0.02			0.67			0.94


Variable Portfolio – Partners Small Cap Value Fund (Class 3)		0.91			0.13			0.14			0.01			1.19


Variable Portfolio – Pyrford International Equity Fund (Class 2)		0.77			0.25			0.18			—			1.20


Variable Portfolio – Sit Dividend Growth Fund (Class 3)		0.71			0.13			0.13			0.05			1.02


Variable Portfolio – Victory Established Value Fund (Class 3)		0.77			0.13			0.12			—			1.02


Variable Portfolio – Wells Fargo Short Duration Government Fund (Class 2)		0.46			0.25			0.13			—			0.84


Wanger International		0.90			—			0.17			—			1.07


Wanger USA		0.86			—			0.10			—			0.96


Wells Fargo Advantage VT International Equity Fund – Class 2		0.75			0.25			0.20			0.01			1.21	⁽²⁷⁾


Wells Fargo Advantage VT Opportunity Fund – Class 2		0.65			0.25			0.19			0.01			1.10	⁽²⁷⁾


Wells Fargo Advantage VT Small Cap Growth Fund – Class 2		0.75			0.25			0.18			—			1.18


Western Asset Variable Global High Yield Bond Portfolio – Class II		0.70			0.25			0.13			—			1.08


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 13


*		The Funds provided the information on their expenses and we have not independently verified the information.


**		The previous fund names can be found in the Appendix under “The Funds”.


***		Includes fees and expenses incurred indirectly by the Fund as a result of its investment in other investment companies (also referred to as acquired funds).


⁽¹⁾		After a voluntary expense waiver and reimbursement, net expenses would be 1.10%.


⁽²⁾		ALPS Advisors, Inc. (the “Adviser”) has contractually agreed to waive its management fee and/or reimburse expenses so that total annual fund operating expenses after fee waiver/expense reimbursements (not including Distribution and/or Service (12b-1) Fees, Shareholder Service Fees, acquired fund fees and expenses, taxes, brokerage commissions and extraordinary expenses) do not exceed a maximum of 0.80% of Class III shares average daily net assets through April 29, 2015. This agreement may only be terminated during the period by the Board of Trustees of ALPS Variable Investment Trust. After fee waivers and/or reimbursements, net expenses would be 1.30%.


⁽³⁾		BlackRock has contractually agreed to waive and/or reimburse fees or expenses in order to limit total annual fund operating expenses after fee waivers and/or expense reimbursements (excluding dividend expense, interest expense, acquired fund fees and expenses and certain other Fund expenses) to 1.50% of average daily net assets until May 1, 2015. BlackRock has also contractually agreed to reimburse fees in order to limit certain operational and recordkeeping fees to 0.07% of average daily net assets until May 1, 2015. Each of these contractual agreements may be terminated upon 90 days’ notice by a majority of the non-interested directors of the Fund or by a vote of a majority of the outstanding voting securities of the Fund. In addition, the Manager may waive a portion of the Fund’s management fee in connection with the Fund’s investment in an affiliated money market fund. After fee waivers and/or reimbursements, net expenses would be 0.97%.


⁽⁴⁾		Columbia Management Investment Advisers, LLC and certain of its affiliates have contractually agreed to waive and/or to reimburse expenses (excluding transaction costs and certain other investment related expenses, interest, taxes and extraordinary expenses) until April 30, 2015, unless sooner terminated at the sole discretion of the Fund’s Board of Trustees. Under this agreement, the Fund’s net operating expenses, subject to applicable exclusions, will not exceed the annual rate of 1.10% for Columbia Variable Portfolio – Managed Volatility Conservative Fund (Class 2), 1.10% for Columbia Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2) and 1.10% for Columbia Variable Portfolio – Managed Volatility Growth Fund (Class 2).


⁽⁵⁾		Management fees have been restated to reflect contractual changes to the investment management fee rates.


⁽⁶⁾		Other expenses have been restated to reflect contractual changes to certain fees paid by the Fund.


⁽⁷⁾		Credit Suisse Trust (the Trust) and Credit Suisse Asset Management, LLC (Credit Suisse) have entered into a written contract limiting operating expenses (excluding certain expenses as described below) to 1.05% of the portfolio’s average daily net assets at least through November 15, 2015. The Trust is authorized to reimburse Credit Suisse for management fees previously limited and/or for expenses previously paid by Credit Suisse, provided, however, that any reimbursements must be paid at a date not more than three years after the end of the fiscal year during which such fees were limited or expenses were paid by Credit Suisse and the reimbursements do not cause the portfolio to exceed the expense limitation in the contract at the time the fees were limited or expenses were paid. This contract may not be terminated before November 15, 2015.


⁽⁸⁾		Through April 30, 2015, the Advisor has contractually agreed to waive all or a portion of its management fee and reimburse or pay certain operating expenses of the portfolio to the extent necessary to maintain the portfolio’s total annual operating expenses at ratios no higher than 0.57% for Class B shares, excluding certain expenses such as extraordinary expenses, taxes, brokerage, interest expense and acquired funds (underlying funds) fees and expenses (estimated at 1.23%). These agreements may only be terminated with the consent of the fund’s Board. After fee waivers and/or reimbursements, net expenses would be 1.80%.


⁽⁹⁾		Management fees and other expenses have been restated to reflect current fiscal year fees and expenses as a result of the bundling of the fund’s investment management agreement with its fund administration agreement effective May 1, 2013. Such combined investment management fees are described further under “Management” in the fund’s prospectus. Total annual fund operating expenses are not affected by such bundling.


⁽¹⁰⁾		The Portfolio’s “Other Expenses” have been estimated to reflect expenses expected to be incurred during the first fiscal year. In addition, the Investment Adviser has agreed to (i) waive all of its Management Fees, and (ii) reduce or limit “Other Expenses” (excluding acquired fund fees and expenses, transfer agency fees and expenses, taxes, interest, brokerage fees, shareholder meeting, litigation, indemnification and extraordinary expenses) to 0.204% of the Portfolio’s average daily net assets. Each arrangement will remain in effect through at least April 30, 2015, and prior to such date the Investment Adviser may not terminate the arrangement without the approval of the Board of Trustees. After fee waivers and reimbursements, net expenses would be 1.52%.


⁽¹¹⁾		The Investment Adviser has agreed to reduce or limit “Other Expenses” (excluding acquired fund fees and expenses, transfer agency fees and expenses, taxes, interest, brokerage fees, litigation, indemnification, shareholder meeting and other extraordinary expenses) equal on an annualized basis to 0.004% of the Fund’s average daily net assets through at least April 30, 2015, and prior to such date the Investment Adviser may not terminate the arrangement without the approval of the Board of Trustees. The Fund’s “Other Expenses” may be further reduced by any custody and transfer agency fee credits received by the Fund. In addition, Goldman, Sachs & Co. (“Goldman Sachs”) has agreed to waive distribution and service fees so as not to exceed an annual rate of 0.21% of the Fund’s average daily net assets attributable to Service Shares through at least April 30, 2015, and prior to such date Goldman Sachs may not terminate the arrangement without the approval of the Board of Trustees. After fee waivers and reimbursements, net expenses would be 0.65%.


⁽¹²⁾		Invesco Advisers, Inc. (“Invesco or the Adviser”) has contractually agreed to waive advisory fees and/or reimburse expenses of Series II shares to the extent necessary to limit total annual fund operating expenses after fee waiver and/or expense reimbursement (excluding certain items discussed below) of Series II shares to 1.01% of the Fund’s average daily nets assets. In determining the Adviser’s obligation to waive advisory fees and/or reimburse expenses, the following expenses are not taken into account, and could cause the total annual fund operating expenses after fee waiver and/or expense reimbursement to exceed the numbers reflected above: (i) interest; (ii) taxes; (iii) dividend expense on short sales; (iv) extraordinary or non-routine items, including litigation expenses; (v) expenses that the Fund has incurred but did not actually pay because of an expense offset arrangement. Acquired fund fees and expenses are also excluded in determining such obligation. Invesco has also contractually agreed to waive a portion of the Fund’s management fee in an amount equal to the net management fee that Invesco earns on the Fund’s investments in certain affiliated funds. This waiver will have the effect of reducing acquired fund fees and expenses that are indirectly borne by the Fund. Unless Invesco continues the fee waiver agreements, they will terminate on April 30, 2015. The fee waiver agreements cannot be terminated during their terms. After fee waivers and/or expense reimbursements, net expenses would be 1.05%.


⁽¹³⁾		Invesco Advisers, Inc. (“Invesco or the Adviser”) has contractually agreed to waive advisory fees and/or reimburse expenses of Series II shares to the extent necessary to limit total annual fund operating expenses after fee waiver and/or expense reimbursement (excluding certain items discussed below) of Series II shares to 1.03% of the Fund’s average daily net assets. In determining the Adviser’s obligation to waive advisory fees and/or reimburse expenses, the following expenses are not taken into account, and could cause the total annual fund operating expenses after fee waiver and/or expense reimbursement to exceed the numbers reflected above: (i) interest; (ii) taxes; (iii) dividend expense on short sales; (iv) extraordinary or non-routine items, including litigation expenses; (v) expenses that the Fund has incurred but did not actually pay because of an expense offset arrangement. Unless Invesco continues the fee waiver agreement, it will terminate on April 30, 2015. The fee waiver agreement cannot be terminated during its term.


⁽¹⁴⁾		Invesco Advisers, Inc. (“Invesco or the Adviser”) has contractually agreed to waive a portion of the Fund’s management fee in an amount equal to the net management fee that Invesco earns on the Fund’s investments in certain affiliated funds. This waiver will have the effect of reducing acquired fund fees and expenses that are indirectly borne by the Fund. Unless Invesco continues the fee waiver agreement, it will terminate on April 30, 2015. The fee waiver agreement cannot be terminated during its term. After fee waivers, net expenses would be 0.97% for Invesco V.I. Diversified Dividend Fund, Series II Shares, 1.35% for Invesco V.I. Global Health Care Fund, Series II Shares and 1.27% for Invesco V.I. International Growth Fund, Series II Shares.


⁽¹⁵⁾		After a voluntary expense waiver and/or reimbursement, net expenses would be 0.97%.

14 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS


⁽¹⁶⁾		Janus Capital has contractually agreed to waive its investment advisory fee and/or reimburse Portfolio expenses to the extent that the Portfolio’s total annual fund operating expenses (excluding any expenses of an underlying fund (acquired fund fees and expenses), distribution and shareholder servicing fees, administrative services fees payable pursuant to the Transfer Agency Agreement, brokerage commissions, interest, dividends, taxes, and extraordinary expenses) exceed 0.14% until at least May 1, 2015. The contractual waiver may be terminated or modified at any time prior to this date only at the discretion of the Board of Trustees. After fee waivers and/or reimbursements, net expenses would be 1.22%.


⁽¹⁷⁾		The Investment Manager has contractually agreed to waive its fee and, if necessary, reimburse the Portfolio through April 30, 2015, to the extent total annual portfolio operating expenses exceed 1.05%


⁽¹⁸⁾		The Portfolios’ Adviser, Morgan Stanley Investment Management Inc., has agreed to reduce its advisory fee and/or reimburse the Portfolio so that total annual portfolio operating expenses, excluding certain investment related expenses, taxes, interest and other extraordinary expenses (including litigation), will not exceed 1.40% for Morgan Stanley UIF Global Real Estate Portfolio, Class II Shares and 1.15% for Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares. In addition, the Portfolio’s Distributor, Morgan Stanley Distribution Inc., has agreed to waive 0.10% for Morgan Stanley UIF Global Real Estate Portfolio, Class II Shares and 0.25% for Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares of the 0.35% 12b-1 fee that it may receive. These fee waivers and/or expense reimbursements will continue for at least one year or until such time as the Board of Directors of The Universal Institutional Funds, Inc. acts to discontinue all or a portion of such waivers and/or reimbursements when it deems that such action is appropriate.


⁽¹⁹⁾		Other expenses, which includes dividend and interest expenses relating to short sales, are based on estimated expenses for the current fiscal year; actual expenses may vary. In addition, Neuberger Berman Management LLC (“NBM”) has contractually undertaken to waive and/or reimburse certain fees and expenses of Class S so that the total annual operating expenses (excluding interest, taxes, brokerage commissions, acquired fund fees and expenses, dividend and interest expenses related to short sales, and extraordinary expenses, if any) are limited to 2.40% of average net assets. This undertaking lasts until 12/31/2017 and may not be terminated during its term without the consent of the Board of Trustees. The Fund has agreed that Class S will repay NBM for fees and expenses waived or reimbursed for the class provided that repayment does not cause annual operating expenses to exceed 2.40% of the average net assets. Any such repayment must be made within three years after the year in which NBM incurred the expense. After fee waivers and/or reimbursements, net expenses would be 2.73%.


⁽²⁰⁾		Neuberger Berman Management LLC (“NBM”) has undertaken through Dec. 31, 2017, to waive fees and/or reimburse certain operating expenses, including the compensation of NBM and excluding taxes, interest, extraordinary expenses, brokerage commissions and transaction costs, that exceed, in the aggregate, 1.50% of the average daily net asset value of the Neuberger Berman Advisers Management Trust International Equity Portfolio (Class S) and 1.17% of the average daily net asset value of the Neuberger Berman Advisers Management Trust Socially Responsive Portfolio (Class S). The expense limitation arrangements for the Portfolios are contractual and any excess expenses can be repaid to NBM within three years of the year incurred, provided such recoupment would not cause a Portfolio to exceed its respective limitation. After fee waivers and/or reimbursements, net expenses would be 1.51% for Neuberger Berman Advisers Management Trust International Equity Portfolio (Class S).


⁽²¹⁾		The Manager has contractually agreed to waive fees and/or reimburse the Fund for certain expenses in order to limit total annual fund operating expenses after fee waiver and/or expense reimbursement (excluding any applicable dividend expense, taxes, interest and fees from borrowing, any subsidiary expenses, acquired fund fees and expenses, brokerage commissions, extraordinary expenses and certain other Fund expenses) to an annual rate of 1.05% as calculated on the daily net assets of the Fund. This fee waiver and/or expense reimbursement may not be amended or withdrawn for one year from the date of the Fund’s prospectus, unless approved by the Board.


⁽²²⁾		The Manager has contractually agreed to waive fees and/or reimburse Fund expenses in an amount equal to the indirect management fees incurred through the Fund’s investment in funds managed by the Manager or its affiliates. This fee waiver and/or expense reimbursement may not be amended or withdrawn until one year from the date of the Fund’s prospectus, unless approved by the Board. After fee waivers and/or reimbursements, net expenses would be 0.97%.


⁽²³⁾		The Manager has contractually agreed to waive fees and/or reimburse the Fund for certain expenses in order to limit total annual fund operating expenses after fee waiver and/or expense reimbursement (excluding any applicable dividend expense, taxes, interest and fees from borrowing, any subsidiary expenses, acquired fund fees and expenses, brokerage commissions, extraordinary expenses and certain other Fund expenses) to an annual rate of 1.05% as calculated on the daily net assets of the Fund. The Manager has also contractually agreed to waive fees and/or reimburse Fund expenses in an amount equal to the indirect management fees incurred through the Fund’s investments in funds managed by the Manager or its affiliates. This fee waiver and/or expense reimbursement may not be amended or withdrawn for one year from the date of the Fund’s prospectus, unless approved by the Board.


⁽²⁴⁾		PIMCO has contractually agreed, through May 1, 2015, to reduce its advisory fee to the extent that the Underlying PIMCO Fund Expenses attributable to advisory and supervisory and administrative fees exceed 0.64% of the total assets invested in Underlying PIMCO Funds. PIMCO may recoup these waivers in future periods, not exceeding three years, provided total expenses, including such recoupment, do not exceed the annual expense limit. The fee reduction is implemented based on a calculation of Underlying PIMCO Fund Expenses attributable to advisory and supervisory and administrative fees that is different from the calculation of Acquired Fund Fees and Expenses listed in the table above. After fee waivers, net expenses would be 1.32%.


⁽²⁵⁾		PIMCO has contractually agreed, through May 1, 2015, to waive, first, the advisory fee and, second, the supervisory and administrative fee it receives from the Portfolio in an amount equal to the expenses attributable to the Management Fees of Underlying PIMCO Funds indirectly incurred by the Portfolio in connection with its investments in Underlying PIMCO Funds, to the extent the Portfolio’s Management Fees are greater than or equal to the Management Fees of the Underlying PIMCO Funds. This waiver renews annually for a full year unless terminated by PIMCO upon at least 30 days’ notice prior to the end of the contract term. Certain fees and expenses are not waived or reimbursed, such as direct or indirect (through an acquired fund) interest expense or dividends paid on borrowed securities, and the expense of investing in acquired funds other than certain PIMCO funds. The amount of such expenses will vary based on the Portfolio’s use of those investments as an investment strategy best suited to seek the objective of the Portfolio. In addition, PIMCO has contractually agreed to waive the Portfolio’s advisory fee and the supervisory and administrative fee in an amount equal to the management fee and administrative services fee, respectively, paid by the PIMCO Cayman Commodity Portfolio II Ltd. (the “GMAMA Subsidiary”) to PIMCO. The GMAMA Subsidiary pays PIMCO a management fee and an administrative services fee at the annual rates of 0.49% and 0.20%, respectively, of its net assets. This waiver may not be terminated by PIMCO and will remain in effect for as long as PIMCO’s contract with the GMAMA Subsidiary is in place. After fee waivers, net expenses would be 1.27%.


⁽²⁶⁾		The Adviser has agreed to waive fees and/or pay Fund expenses to the extent necessary to prevent the operating expenses of the Fund (excluding acquired fund fees and expenses, interest expense, trading expenses, dividends and interest payments on securities sold short, taxes and extraordinary expenses) from exceeding 1.45% of the Fund’s average daily net assets per year until May 1, 2015. During such time, the expense limitation is expected to continue until the Board of Trustees acts to discontinue all or a portion of such expense limitation.


⁽²⁷⁾		The Adviser has committed through April 30, 2015 to waive fees and/or reimburse expenses to the extent necessary to cap the Fund’s total annual fund operating expenses after fee waiver at 0.94% for Wells Fargo Advantage VT International Equity Fund – Class 2 and 1.00% for Wells Fargo Advantage VT Opportunity Fund – Class 2. Brokerage commissions, stamp duty fees, interest, taxes, acquired fund fees and expenses and extraordinary expenses are excluded from the cap. After this time, the cap may be increased or the commitment to maintain the cap may be terminated only with the approval of the Board of Trustees. After fee waivers and/or reimbursements, net expenses would be 0.95% for Wells Fargo Advantage VT International Equity Fund – Class 2 and 1.01% for Wells Fargo Advantage VT Opportunity Fund – Class 2.


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 15

Examples

These examples are intended to help you compare the cost of investing in these contracts with the cost of investing in other variable annuity contracts. These costs include your transaction expenses, contract administrative charges, variable account annual expenses and fund fees and expenses.

These examples assume that you invest $10,000 in the contract for the time periods indicated. These examples also assume that your investment has a 5% return each year.

Maximum Expenses (for contracts with living benefit riders). These examples assume the most expensive combination of contract features and benefits and the maximum fees and expenses of the funds available with living benefit riders, before fee waivers and/or expense reimbursements. They assume that you select the optional MAV, EEP (if available), Accumulation Benefit or SecureSource Flex – Joint Life, if available^(1),(2). Living benefit riders are not available under RAVA 4 Access contracts. Although your actual costs may be higher, based on these assumptions your costs would be:


									If you do not surrender your contract
	If you surrender your contract								or if you select an annuity payout plan
	at the end of the applicable time period:								at the end of the applicable time period:
Nonqualified Annuity	1 year		3 years		5 years		10 years		1 year		3 years		5 years		10 years


RAVA 4 Advantage

With a ten-year surrender charge schedule	$	1,352	$	2,596	$	3,733	$	6,284	$	632	$	1,874	$	3,099	$	6,101

RAVA 4 Advantage

With a seven-year surrender charge schedule		1,262		2,506		3,552		6,101		632		1,874		3,099		6,101

RAVA 4 Select		1,287		2,578		3,215		6,307		657		1,946		3,215		6,307

RAVA 4 Select – Texas		1,377		2,488		3,215		6,307		657		1,946		3,215		6,307

RAVA 4 Access		NA		NA		NA		NA		NA		NA		NA		NA


									If you do not surrender your contract
	If you surrender your contract								or if you select an annuity payout plan
	at the end of the applicable time period:								at the end of the applicable time period:
Qualified Annuity	1 year		3 years		5 years		10 years		1 year		3 years		5 years		10 years


RAVA 4 Advantage

With a ten-year surrender charge schedule	$	1,332	$	2,540	$	3,641	$	6,115	$	612	$	1,818	$	3,008	$	5,933

RAVA 4 Advantage

With a seven-year surrender charge schedule		1,242		2,450		3,460		5,933		612		1,818		3,008		5,933

RAVA 4 Select		1,267		2,520		3,123		6,143		637		1,889		3,123		6,143

RAVA 4 Select – Texas		1,357		2,430		3,123		6,143		637		1,889		3,123		6,143

RAVA 4 Access		NA		NA		NA		NA		NA		NA		NA		NA

Maximum Expenses (for contracts without living benefit riders). These examples assume the most expensive combination of contract features and benefits and the maximum fees and expenses of any of the funds before fee waivers and/or expense reimbursements. They assume that you select the optional MAV and EEP, if available^(1),(2). Although your actual costs may be higher, based on these assumptions your costs would be:


									If you do not surrender your contract
	If you surrender your contract								or if you select an annuity payout plan
	at the end of the applicable time period:								at the end of the applicable time period:
Nonqualified Annuity	1 year		3 years		5 years		10 years		1 year		3 years		5 years		10 years


RAVA 4 Advantage

With a ten-year surrender charge schedule	$	1,447	$	2,863	$	4,135	$	6,853	$	727	$	2,139	$	3,498	$	6,669

RAVA 4 Advantage

With a seven-year surrender charge schedule		1,357		2,772		3,953		6,669		727		2,139		3,498		6,669

RAVA 4 Select		1,382		2,843		3,605		6,834		752		2,210		3,605		6,834

RAVA 4 Select – Texas		1,472		2,753		3,605		6,834		752		2,210		3,605		6,834

RAVA 4 Access		768		2,252		3,669		6,931		768		2,252		3,669		6,931

16 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS


									If you do not surrender your contract
	If you surrender your contract								or if you select an annuity payout plan
	at the end of the applicable time period:								at the end of the applicable time period:
Qualified Annuity	1 year		3 years		5 years		10 years		1 year		3 years		5 years		10 years


RAVA 4 Advantage

With a ten-year surrender charge schedule	$	1,426	$	2,806	$	4,048	$	6,718	$	706	$	2,083	$	3,412	$	6,534

RAVA 4 Advantage

With a seven-year surrender charge schedule		1,336		2,716		3,866		6,534		706		2,083		3,412		6,534

RAVA 4 Select		1,362		2,787		3,520		6,703		732		2,153		3,520		6,703

RAVA 4 Select – Texas		1,452		2,696		3,520		6,703		732		2,153		3,520		6,703

RAVA 4 Access		747		2,196		3,584		6,802		747		2,196		3,584		6,802

Minimum Expenses. These examples assume the least expensive combination of contract features and benefits and the minimum fees and expenses of any of the funds before fee waivers and/or expense reimbursements⁽³⁾. They assume that you do not select any optional benefits. Although your actual costs may be higher, based on these assumptions your costs would be:


									If you do not surrender your contract
	If you surrender your contract								or if you select an annuity payout plan
	at the end of the applicable time period:								at the end of the applicable time period:
Nonqualified Annuity	1 year		3 years		5 years		10 years		1 year		3 years		5 years		10 years


RAVA 4 Advantage

With a ten-year surrender charge schedule⁽⁴⁾	$	928	$	1,357	$	1,664	$	2,267	$	183	$	563	$	964	$	2,067

RAVA 4 Advantage

With a seven-year surrender charge schedule		835		1,257		1,464		2,067		183		563		964		2,067

RAVA 4 Select		859		1,330		1,095		2,339		208		641		1,095		2,339

RAVA 4 Select – Texas		952		1,231		1,095		2,339		208		641		1,095		2,339

RAVA 4 Access		224		687		1,174		2,499		224		687		1,174		2,499


									If you do not surrender your contract
	If you surrender your contract								or if you select an annuity payout plan
	at the end of the applicable time period:								at the end of the applicable time period:
Qualified Annuity	1 year		3 years		5 years		10 years		1 year		3 years		5 years		10 years


RAVA 4 Advantage

With a ten-year surrender charge schedule⁽⁴⁾	$	909	$	1,299	$	1,557	$	2,044	$	162	$	500	$	857	$	1,844

RAVA 4 Advantage

With a seven-year surrender charge schedule		816		1,199		1,357		1,844		162		500		857		1,844

RAVA 4 Select		840		1,272		990		2,122		188		579		990		2,122

RAVA 4 Select – Texas		933		1,173		990		2,122		188		579		990		2,122

RAVA 4 Access		203		625		1,069		2,285		203		625		1,069		2,285


⁽¹⁾		In these examples, the contract administrative charge is $50.
⁽²⁾		Because these examples are intended to illustrate the most expensive combination of contract features, the maximum annual fee for each optional rider is reflected rather than the fee that is currently being charged.
⁽³⁾		In these examples, the contract administrative charge is $30.
⁽⁴⁾		In Alaska, Arizona, Colorado, Connecticut, Georgia, Hawaii, Illinois, Iowa, Michigan, Minnesota, Mississippi, Montana, New Jersey, North Carolina, Oregon, Texas, Utah and Washington, your expenses would be slightly lower due to the modified ten-year surrender charge schedule.


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 17

Condensed Financial Information

You can find unaudited condensed financial information for the subaccounts representing the lowest and highest total annual variable account expense combination in Appendix J.

Financial Statements

The Variable Account and the Funds

The Funds: The contracts currently offer subaccounts investing in shares of the funds. For a list of underlying funds with a summary of investment objectives, investment advisers and subadvisers, please see Appendix A.


•	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 contract 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 funds’ 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 fund providers 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.

•	Asset allocation programs may impact fund performance: Asset allocation programs in general may negatively impact the performance of an underlying fund. Even if you do not participate in an asset allocation program, a fund in which your subaccount invests may be impacted if it is included in an asset allocation program. Rebalancing or reallocation under the terms of the asset allocation program may cause a fund to lose money if it must sell large amounts of securities to meet a redemption request. These losses can be greater if the fund holds securities that are not as liquid as others; for example,

18 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

various types of bonds, shares of smaller companies and securities of foreign issuers. A fund may also experience higher expenses because it must sell or buy securities more frequently than it otherwise might in the absence of asset allocation program rebalancing or reallocations. Because asset allocation programs include periodic rebalancing and may also include reallocation, these effects may occur under the asset allocation program we offer (see “Making the Most of Your Contract — Portfolio Navigator Program and Portfolio Stabilizer Funds”) or under asset allocation programs used in conjunction with the contracts and plans of other eligible purchasers of the funds.

•

Funds available under the contract: We seek to provide a broad array of underlying funds taking into account the fees and charges imposed by each fund and the contract charges we impose. We select the underlying funds in which the subaccounts initially invest and when there is substitution (see “Substitution of Investments”). We also make all decisions regarding which funds to retain in a contract, which funds to add to a contract and which funds will no longer be offered in a contract. 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 and non-cash compensation 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 and distribution expenses incurred with respect to the fund.


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

Expenses We May Incur on Behalf of the Funds

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

Conflicts of Interest These Payments May Create


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 19

The Amount of Payments We Receive from the Funds


•	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 these revenues including but not limited to expense payments and non-cash compensation for various purposes:


	•	Compensating, training and educating financial advisors who sell the contracts.

	•	Granting access to our employees whose job it is to promote sales of the contracts by authorized selling firms and their financial advisors, and granting access to financial advisors of our affiliated selling firms.

	•	Activities or services we or our affiliates provide that assist in the promotion and distribution of the contracts including promoting the funds available under the contracts to prospective and existing contract owners, authorized selling firms and financial advisors.

	•	Providing sub-transfer agency and shareholder servicing to contract owners.

	•	Promoting, including and/or retaining the fund’s investment portfolios as underlying investment options in the contracts.

	•	Advertising, printing and mailing sales literature, and printing and distributing prospectuses and reports.

	•	Furnishing personal services to contract owners, including education of contract owners, 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).

	•	Subaccounting, transaction processing, recordkeeping and administration.


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


	•	Assets of the fund’s adviser and transfer agent or an affiliate. 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.

	•	Compensation paid out of 12b-1 fees that are deducted from fund assets and disclosed in the “12b-1 fees” column of the “Annual Operating Expenses of the Funds” table.


•	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:


	•	Assets of the fund’s adviser, subadviser, transfer agent or an affiliate of these and assets of the fund’s distributor or an affiliate. The revenue resulting from these sources usually is based on a percentage of average daily net assets of the fund but there may be other types of payment arrangements.

	•	Compensation paid out of 12b-1 fees that are deducted from fund assets and disclosed in the “12b-1 fees” column of the “Annual Operating Expenses of the Funds” table.

Guarantee Period Accounts (GPAs)

The GPAs may not be available for contracts in some states. GPAs are not available if the GWB for Life, SecureSource, or Accumulation Benefit is selected.

Currently, unless you have elected one of the optional living benefit riders, you may allocate purchase payments and purchase payment credits to one or more of the GPAs with guarantee periods declared by us. The required minimum investment in each GPA is $1,000. These accounts are not offered after annuity payouts begin.

The interest rates that we will declare as guaranteed rates in the future are determined by us at our discretion (future rates).

We will determine future rates based on various factors including, but not limited to, the interest rate environment, returns earned on investments in the nonunitized separate account we have established for the GPAs, the rates currently in effect for

20 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

new and existing RiverSource Life annuities, product design, competition and RiverSource Life’s revenues and other expenses. Interest rates offered may vary by state, but will not be lower than state law allows. We cannot predict nor can we guarantee what future rates will be.

We hold amounts you allocate to the GPAs in a “nonunitized” separate account. This separate account provides an additional measure of assurance that we will make full payment of amounts due under the GPAs. State insurance law prohibits us from charging this separate account with liabilities of any other separate account or of our general business. We own the assets of this separate account as well as any favorable investment performance of those assets. You do not participate in the performance of the assets held in this separate account. We guarantee all benefits relating to your value in the GPAs. This guarantee is based on the continued claims-paying ability of the company’s general account. You should be aware that our general account is exposed to the risks normally associated with a portfolio of fixed-income securities, including interest rate, option, liquidity and credit risk. The financial statements contained in the SAI include a further discussion of the risks inherent within the investments of the general account.


•	Securities issued by the U.S. government or its agencies or instrumentalities, which issues may or may not be guaranteed by the U.S. government;

•	Debt securities that have an investment grade, at the time of purchase, within the four highest grades assigned by any of three nationally recognized rating agencies — Standard & Poor’s, Moody’s Investors Service or Fitch — or are rated in the two highest grades by the National Association of Insurance Commissioners;

•	Debt instruments that are unrated, but which are deemed by RiverSource Life to have an investment quality within the four highest grades;

•	Other debt instruments which are unrated or rated below investment grade, limited to 15% of assets at the time of purchase; and

•	Real estate mortgages, limited to 30% of portfolio assets at the time of acquisition.

MARKET VALUE ADJUSTMENT (MVA)

We will not apply an MVA to contract value you transfer or surrender out of the GPAs within 30 days before the end of the guarantee period. During this 30 day window you may choose to start a new guarantee period of the same length, transfer the contract value to a GPA of another length, transfer the contract value to any of the subaccounts or the regular fixed account, or surrender the contract value (subject to applicable surrender provisions). If we do not receive any instructions at the end of your guarantee period, our current practice is to automatically transfer the contract value to the one year GPA. Any new GPA, whether it is one you choose or an automatic transfer to a one year GPA, will be subject to an MVA as described below.

We guarantee the contract value allocated to the GPAs, including interest credited, if you do not make any transfers or surrenders from the GPAs prior to 30 days before the end of the guarantee period (30-day rule). At all other times, and unless one of the exceptions to the 30-day rule described below applies, we will apply an MVA if you surrender or transfer contract value from a GPA including withdrawals under the GWB for Life rider, SecureSource rider or if you elect an annuity payout plan while you have contract value invested in a GPA. We will refer to these transactions as “early surrenders.” The application of an MVA may result in either a gain or loss of principal.

The 30-day rule does not apply and no MVA will apply to:


•	amounts surrendered under contract provisions that waive surrender charges for Hospital or Nursing Home Confinement and Terminal Illness Disability Diagnosis;

•	amounts surrendered from the GPA within 30 days prior to the end of the Guarantee Period;


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 21


•	amounts surrendered for fees and charges; and

•	amounts we pay as death claims.


If your GPA rate is:	The MVA is:


Less than the new GPA rate + 0.10%		Negative

Equal to the new GPA rate + 0.10%		Zero

Greater than the new GPA rate + 0.10%		Positive

For an example, see Appendix B.

The Fixed Account

Amounts allocated to the fixed account are part of our general account. The fixed account includes the regular fixed account and the Special DCA fixed account. We credit interest on amounts you allocate to the fixed account at rates we determine from time to time in our discretion. These rates will be based on various factors including, but not limited to, the interest rate environment, returns we earn on our general account investments, the rates currently in effect for new and existing RiverSource Life annuities, product design, competition, and RiverSource Life’s profits, revenues and expenses. The guaranteed minimum interest rate on amounts invested in the fixed account may vary by state but will not be lower than state law allows. We back the principal and interest guarantees relating to the fixed account. These guarantees are based on the continued claims-paying ability of RiverSource Life. You should be aware that our general account is exposed to the risks normally associated with a portfolio of fixed-income securities, including interest rate, option, liquidity and credit risk. You should also be aware that we issue other types of insurance and financial products as well, and we also pay our obligations under these products from 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 is not required to be registered with the SEC. The SEC staff does not review the disclosures in this prospectus on the fixed account, however, disclosures regarding the fixed account may be subject to certain generally applicable provisions of the federal securities laws relating to the accuracy and completeness of statements made in prospectuses.

THE REGULAR FIXED ACCOUNT

For RAVA 4 Advantage and RAVA 4 Select, unless the PN program is in effect, you also may allocate purchase payments and purchase payment credits or transfer contract value to the regular fixed account. Effective May 10, 2010, for RAVA 4 Access contracts you cannot allocate purchase payments to the regular fixed account. (Exception: RAVA 4 Access contract holders who remained invested in the static PN program model portfolio and have the regular fixed account included in the model portfolio selected.) The value of the regular fixed account increases as we credit interest to the account. We credit and compound interest daily based on a 365-day year so as to produce the annual effective rate which we declare. We do not credit interest on leap days (Feb. 29). The interest rate we apply to each purchase payment or transfer to the regular fixed account is guaranteed for one year. Thereafter, we will change the rates from time to time at our discretion. Subject to state limitations, we reserve the right to limit purchase payment allocations to the regular fixed account if the interest rate we are then currently crediting to the regular fixed account is equal to the minimum interest rate stated in the contract. (See “Making the Most of Your Contract — Transfer policies” for restrictions on transfers involving the regular fixed account.)

THE SPECIAL DCA FIXED ACCOUNT

You also may allocate purchase payments and purchase payment credits to the Special DCA fixed account, when available. The Special DCA fixed account is available for new purchase payments. The value of the Special DCA fixed account increases as we credit interest to the account. We credit and compound interest daily based on a 365-day year so as to produce the annual effective rate which we declare. We do not credit interest on leap days (Feb. 29). The interest rate we apply to each

22 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

purchase payment is guaranteed for the period of time money remains in the Special DCA fixed account. (See “Making the Most of Your Contract — Special Dollar Cost Averaging Program” for more information on the Special DCA fixed account.)

Buying Your Contract

New contracts are not currently being offered. We are required by law to obtain personal information from you which we used to verify your identity. If you do not provide this information we reserve the right to refuse to issue your contract or take other steps we deem reasonable. As the owner, you have all rights and may receive all benefits under the contract. You can own a nonqualified annuity in joint tenancy with rights of survivorship only in spousal situations. You cannot own a qualified annuity in joint tenancy. You can buy a contract if you and the annuitant are 90 or younger. If you are a Florida resident, you can not buy a contract if you and the annuitant are age 65 or older.

When you applied, you could have selected among the following (if available in your state):


•	GPAs, the regular fixed account⁽¹⁾, subaccounts, or the Special DCA fixed account in which you want to invest;

•	how you want to make purchase payments;

•	a beneficiary;

•	under RAVA 4 Advantage, the length of the surrender charge period (seven or ten years)⁽²⁾;

•	one of the following optional death benefits:


	–	ROPP Death Benefit⁽³⁾;

	–	MAV Death Benefit⁽³⁾;

	–	5-Year MAV Death Benefit⁽³⁾;

	–	EEB Death Benefit⁽³⁾;

	–	EEP Death Benefit⁽³⁾; and


•	under RAVA 4 Advantage and RAVA 4 Select, one of the following optional living benefits:


	–	Accumulation Benefit rider⁽⁴⁾;


	–	SecureSource Flex rider⁽⁴⁾;


	–	GWB for Life rider; or


	–	SecureSource rider.


⁽¹⁾		For RAVA 4 Access contracts you could not have selected the regular fixed account.
⁽²⁾		In Alaska, Arizona, Colorado, Connecticut, Georgia, Hawaii, Illinois, Iowa, Michigan, Minnesota, Mississippi, Montana, New Jersey, North Carolina, Oregon, Texas, Utah and Washington, the ten-year surrender charge schedule is 8% for years 0-2, 7% for year 3 and declining by 1% each year thereafter until it is 0% for years 10+. For contracts issued in Alabama and Massachusetts, we waive surrender charges after the tenth contract anniversary for all payments regardless of when payments are made.
⁽³⁾		You may have selected any one of the ROPP, MAV, 5-Year MAV, EEB or EEP riders or certain combinations thereof. You may select the MAV and either the EEB or the EEP. You may select the 5-Year MAV and either the EEB or the EEP. You cannot select both the EEB and EEP. You cannot select both the MAV and 5-Year MAV. The MAV, EEB, EEP and 5-Year MAV are only available if you are 75 or younger at the rider effective date. EEP is only available on contracts purchased through a transfer or exchange. ROPP is only available if you are 76 or older at the rider effective date. ROPP is included in the standard death benefit if you are 75 or younger.
⁽⁴⁾		You may have selected either the Accumulation Benefit or SecureSource Flex rider. The Accumulation Benefit and SecureSource Flex – Single Life riders are only available if you are 80 or younger at the rider effective date. SecureSource Flex – Joint Life rider is available if both covered spouses are 80 or younger.

The contracts provide for allocation of purchase payments and purchase payment credits to the subaccounts of the variable account, to the GPAs, to the regular fixed account and/or to the Special DCA fixed account (when available) in even 1% increments subject to the $1,000 required minimum investment for the GPAs. There may be certain restrictions on the amount you may allocate to the regular fixed account. For RAVA 4 Access contracts purchase payment credits are not available and you cannot allocate purchase payments to the regular fixed account. (Exception: RAVA 4 Access contract holders who remained invested in the static PN program model portfolio and have the regular fixed account included in the model portfolio selected.) (See “Purchase Payments.”)

THE SETTLEMENT DATE


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 23

contract goes into payout mode and only the annuity payout provisions continue. Unless Annuity Payout Plan E is elected, you will no longer have access to your contract value. In addition, the death benefit and any optional benefits you have elected will end. When we processed your application, we established the settlement date as the maximum age (or contract anniversary, if applicable). We have established a new maximum age (or contract anniversary) as described below. You also can change the settlement date, provided you send us written instructions at least 30 days before annuity payouts begin.

Six months prior to your settlement date, we will contact you with your options, including the option to postpone your annuitization start date to a future date. If you do not make an election, annuity payouts, using the contract’s default option of Annuity Payout Plan B – Life annuity with 10 years certain, will begin on the settlement date and your monthly annuity payments will continue for as long as the annuitant lives. If the annuitant does not survive 10 years, payments will continue until 10 years of payments have been made.

BENEFICIARY

If death benefits become payable before the settlement date while the contract is in force and before annuity payouts begin, we will pay the death benefit to your named beneficiary. If there is more than one beneficiary we will pay each beneficiary’s designated share when we receive their completed claim. A beneficiary will bear the investment risk of the variable account until we receive the beneficiary’s completed claim. If there is no named beneficiary, then the default provisions of your contract will apply. (See “Benefits in Case of Death” for more about beneficiaries.)

If you select the SecureSource – Joint Life rider, please consider carefully whether or not you wish to change the beneficiary of your annuity contract. The rider will terminate if the surviving covered spouse can not utilize the spousal continuation provision of the contract when the death benefit is payable.

PURCHASE PAYMENTS^*

Minimum allowable purchase payments^**

If paying by installments under a scheduled payment plan:

$50 per month


	RAVA 4		RAVA 4		RAVA 4
	Advantage		Select		Access
If paying by any other method:
initial payment for qualified annuities	$	1,000	$	2,000	$	2,000
initial payment for nonqualified annuities		2,000		10,000		10,000
for any additional payments		50		50		50


*		RAVA 4 Advantage and RAVA 4 Select Band 3 annuities sold to individuals other than advisors and employees: Require a minimum $1,000,000 initial purchase payment and corporate office approval. Contracts already approved may make payments in subsequent years up to $100,000 if your age on the effective date of the contract is age 85 or younger and $50,000 if your age on the effective date of the contract is age 86 to 90.
**		Installments must total at least $600 in the first year. If you do not make any purchase payments for 24 months, and your previous payments total $600 or less, we have the right to give you 30 days’ written notice and pay you the total value of your contract in a lump sum. This right does not apply to contracts in Illinois, Massachusetts and New Jersey.

24 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

Maximum allowable purchase payments*** (without corporate office approval) based on your age on the effective date of the contract:


	RAVA 4		RAVA 4		RAVA 4
	Advantage		Select		Access
For the first year:
through age 85	$	999,999	$	999,999	$	999,999
for ages 86 to 90		100,000		100,000		100,000
For each subsequent year:
through age 85		100,000		100,000		100,000
for ages 86 to 90		50,000		50,000		50,000


***		These limits apply in total to all RiverSource Life annuities you own. These limits do not apply to contracts in New Jersey. We reserve the right to increase maximum limits. For qualified annuities, the Code’s limits on annual contributions also apply.

We will consider your contract void from the start if we do not receive your initial purchase payment within 180 days from the application signed date. For contract applications signed on or after Feb. 3, 2012 with SecureSource and SecureSource Flex riders, we considered your contract void from the start if we did not receive purchase payment within 90 days from the application signed date.

Additional purchase payment restrictions for contracts with the Accumulation Benefit rider

Additional purchase payment restrictions for contracts with the GWB for Life rider

Effective Jan. 26, 2009, after initial purchase payments are received, limited additional purchase payments are allowed for all contracts with the GWB for Life, subject to state restrictions. Initial purchase payments are: 1) payments received with the application; and 2) Tax Free Exchanges, rollovers, and transfers listed on the annuity application, paper work initiated within 30 days from contract issue date and received within 180 days from the contract issue date.

For contracts issued in all states except those listed below, the only additional purchase payments that will be allowed on/after Jan. 26, 2009 are the maximum permissible annual contribution described by the Code for qualified annuities.

For contracts with GWB for Life rider issued in Florida, New Jersey, and Oregon, additional purchase payments to your variable annuity contract will be limited to $100,000 for the life of your contract. The limit does not apply to initial purchase payments.

Additional purchase payment restrictions for contracts with the SecureSource rider

Effective Feb. 27, 2012, after initial purchase payments are received, limited additional purchase payments are allowed for all contracts with the SecureSource rider, subject to state restrictions. Initial purchase payments are: 1) payments received with the application; and 2) Tax Free Exchanges, rollovers, and transfers listed on the annuity application, paper work initiated within 30 days from contract issue date and received within 180 days from the contract issue date.

For contracts issued in all states except those listed below, the only additional purchase payments that will be allowed on/after Feb. 27, 2012 are the maximum permissible annual contribution described by the Code for qualified annuities.

For contracts with SecureSource rider issued in Florida, New Jersey, and Oregon, additional purchase payments to your variable annuity contract will be limited to $100,000 for the life of your contract. The limit does not apply to initial purchase payments.

Additional purchase payment restrictions for contracts with the SecureSource Flex riders

Effective Feb. 27, 2012, no additional purchase payments are allowed for SecureSource Flex riders subject to certain exceptions listed below.

Certain exceptions applied and additional purchase payments were allowed on or after Feb. 27, 2012:

a. For contracts with applications signed prior to Feb. 3, 2012, (1) purchase payments received within 90 calendar days from the contract application signed date and (2) Tax Free Exchanges, rollovers, and transfers listed on the annuity application and received within 180 days from the contract application signed date.

b. For contracts with applications signed on or after Feb. 3, 2012, purchase payments received within 90 calendar days from the contract application signed date.


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 25

c. Current tax year contributions for TSAs and Custodial and investment only plans under Section 401(a) of the Code, up to the annual limit set by the IRS.

d. Prior and current tax year contributions up to the annual limit set up by the IRS for any Qualified Accounts except TSAs and 401(a)s. This annual limit applies to IRAs, Roth IRAs, SIMPLE IRAs and SEP plans.

The SecureSource Flex riders also prohibit additional purchase payments while the rider is effective, if (1) you decline a rider fee increase, or (2) the Annual Lifetime Payment (ALP) is established and your contract value on an anniversary is less than four times the ALP. (For the purpose of this calculation only, the ALP is determined using 5%, as described under “Optional Living Benefits — Currently Offered — SecureSource Flex Riders.”)

If you take a withdrawal and then make additional purchase payments during the waiting period, these purchase payments are not guaranteed until the end of the waiting period.

Subject to state restrictions, we reserve the right to change the purchase payment limitations for all optional riders, including making further restrictions, upon written notice.

Subject to state regulatory requirements, we reserve the right to not accept purchase payments allocated to the regular fixed account for twelve months following either:


1.	a partial surrender from the regular fixed account; or

2.	a lump sum transfer from the regular fixed account to a subaccount.

HOW TO MAKE PURCHASE PAYMENTS

1 By letter

Send your check along with your name and contract number to:

RiverSource Life Insurance Company
70200 Ameriprise Financial Center
Minneapolis, MN 55474

2 By scheduled payment plan

We can help you set up:


•	an automatic payroll deduction, salary reduction or other group billing arrangement; or

•	a bank authorization.

PURCHASE PAYMENT CREDITS

Purchase payment credits are not available for RAVA 4 Access.

For RAVA 4 Advantage: we add a credit to your contract in the amount of:


•	1% of each purchase payment received:


	–	if you elect the ten-year surrender charge schedule for your contract and the initial purchase payment is under $100,000; or

	–	if you elect the seven-year surrender charge schedule for your contract and your initial purchase payment to the contract is at least $100,000 but less than $1,000,000.


•	2% of each purchase payment received if you elect the ten-year surrender charge schedule for your contract and your initial purchase payment to the contract is at least $100,000 but less than $1,000,000.

For RAVA 4 Advantage – Band 3: we add a credit to your contract in the amount of:


•	2% of each purchase payment received:


	–	if you elect the seven-year surrender charge schedule for your contract.


•	3% of each purchase payment received


	–	if you elect the ten-year surrender charge schedule for your contract.

Surrender charges under RAVA 4 Advantage and RAVA 4 Advantage – Band 3 may be higher and longer than those for contracts that do not have purchase payment credits. The amount of the credits may be more than offset by the additional charges associated with them. Because of higher charges, there could be circumstances where you may be worse off purchasing one of these contracts with the credits than purchasing other contracts. All things being equal (such as fund performance and availability), this may occur if you select the ten-year surrender charge and you make a full surrender before year ten. We pay for the credits under RAVA 4

26 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

Advantage and RAVA 4 Advantage – Band 3 primarily through revenue from a higher and longer surrender charge schedule and through lower costs associated with larger sized contracts, including lower compensation paid on the sales of these contracts.

For RAVA 4 Select: we add a credit to your contract in the amount of:


•	1% of each purchase payment received in the first contract year if your initial purchase payment to the contract is at least $250,000 but less than $1,000,000; or

•	2% of each purchase payment received in the first contract year if your initial purchase payment to the contract is $1,000,000 or more. Please note that purchase payments of $1,000,000 or more require home office approval.

For RAVA 4 Select – Band 3: we add a credit to your contract in the amount of 2% of each purchase payment received in the first contract year.

Expenses under RAVA 4 Select and RAVA 4 Select – Band 3 may be higher than those for contracts that do not have purchase payment credits. The amount of the credits may be more than offset by the additional charges associated with them. Because of higher charges, you may be worse off purchasing one of these contracts with the credits than purchasing other contracts. We pay for the credits under RAVA 4 Select and RAVA 4 Select – Band 3 primarily through lower costs associated with larger sized contracts, including lower compensation paid on the sales of these contracts.

We fund all credits from our general account. We do not consider credits to be “investments” for income tax purposes. (See “Taxes.”)

We will assess a charge, similar to a surrender charge, equal to the amount of the purchase payment credits to the extent a death benefit, surrender payment, or your settlement under an annuity payout plan includes purchase payment credits applied within twelve months preceding: (1) the date of death that results in a death benefit payment under this contract; (2) a request for surrender charge waiver due to Hospital or Nursing Home Confinement or Terminal Illness Disability Diagnosis; or (3) your settlement of the contract under an annuity payout plan.*


*		For contracts purchased in Oregon, we will assess a charge, similar to a surrender charge, equal to the amount of the purchase payment credits to the extent a death benefit, includes purchase payment credits applied within twelve months preceding the date of death.

LIMITATIONS ON USE OF CONTRACTS

Charges

CONTRACT ADMINISTRATIVE CHARGE

We charge this fee for establishing and maintaining your records. Currently, we deduct $30 from your contract value on your contract anniversary at the end of each contract year. Subject to state regulatory requirements, we prorate this charge among the subaccounts and the regular fixed account in the same proportion your interest in each account bears to your total contract value, less amounts invested in the GPAs and the Special DCA fixed account. The contract administrative charge is only deducted from GPAs and any Special DCA fixed account if insufficient amounts are available in the regular fixed account and the subaccounts. We reserve the right to increase this charge after the first contract anniversary to a maximum of $50.*

We will waive $30 of this charge when your contract value, or total purchase payments less any payments surrendered, is $50,000 or more on the current contract anniversary.


*		In certain states and for certain contracts we have waived our right to increase the contract administrative charge.


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 27

MORTALITY AND EXPENSE RISK FEE

We charge this fee daily to the subaccounts. The unit values of your subaccounts reflect this fee, which is a percentage of their average daily net assets, on an annual basis as follows:


	RAVA 4 Advantage			RAVA 4 Select			RAVA 4 Access


For nonqualified annuities		1.05	%		1.30	%		1.45	%

For qualified annuities		.85	%		1.10	%		1.25	%

This fee covers the mortality and expense risk that we assume. This fee does not apply to the GPAs, the regular fixed account or the Special DCA fixed account.

The subaccounts pay us the mortality and expense risk fee they accrued as follows:


•	first, to the extent possible, the subaccounts pay this fee from any dividends distributed from the funds in which they invest;

•	then, if necessary, the funds redeem shares to cover any remaining fees payable.

We may use any profits we realize from the subaccounts’ payment to us of the mortality and expense risk fee for any proper corporate purpose, including, among others, payment of distribution (selling) expenses. We do not expect that the surrender charge for RAVA 4 Advantage or RAVA 4 Select, discussed in the following paragraphs, will cover sales and distribution expenses.

SURRENDER CHARGE

If you surrender all or part of your contract, you may be subject to a surrender charge. For RAVA 4 Advantage, a surrender charge applies if all or part of the surrender amount is from purchase payments we received within seven or ten years before surrender. You select the surrender charge period at the time of your application for the contract. For RAVA 4 Select, a surrender charge applies if you surrender all or part of your purchase payments in the first three contract years. There is no surrender charge for RAVA 4 Access. The surrender charge percentages that apply to you are shown in your contract.

Contracts without GWB for Life rider or SecureSource rider

The TFA is the greater of:


•	10% of the contract value on the prior contract anniversary*; or


•	current contract earnings.

Contracts with GWB for Life rider or SecureSource rider

The TFA is the greatest of:


•	10% of the contract value on the prior contract anniversary*;


•	current contract earnings;


•	the Remaining Benefit Payment; or

•	the Remaining Annual Lifetime Payment.


*		We consider all purchase payments received and any purchase payment credit applied prior to your surrender request to be the prior contract anniversary’s contract value during the first contract year.

NOTE: We determine current contract earnings by looking at the entire contract value, not the earnings of any particular subaccount, GPA, the regular fixed account or the Special DCA fixed account.

Amounts surrendered in excess of the TFA may be subject to a surrender charge as described below.

28 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

Surrender charge under RAVA 4 Advantage:

For purposes of calculating any surrender charge under RAVA 4 Advantage, we treat amounts surrendered from your contract value in the following order:


1.	First, we surrender the TFA. We do not assess a surrender charge on the TFA.

2.	Next, we surrender purchase payments received prior to the surrender charge period you selected and shown in your contract. We do not assess a surrender charge on these purchase payments.

3.	Finally, if necessary, we surrender purchase payments received that are still within the surrender charge period you selected and shown in your contract. We surrender these payments on a first-in, first-out (FIFO) basis. We do assess a surrender charge on these payments.

We determine your surrender charge by multiplying each of your payments surrendered by the applicable surrender charge percentage, and then adding the total surrender charges.

The surrender charge percentage depends on the number of years since you made the payments that are surrendered, depending on the schedule you selected*:


Seven-year schedule				Ten-year schedule*
Number of completed				Number of completed
years from date of	Surrender charge			years from date of each	Surrender charge
each purchase payment	percentage			purchase payment	percentage

0		7	%	0		8	%


1		7		1		8


2		7		2		8


3		6		3		7


4		5		4		7


5		4		5		6


6		2		6		5


7+		0		7		4


				8		3


				9		2


				10+		0


*		In Alaska, Arizona, Colorado, Connecticut, Georgia, Hawaii, Illinois, Iowa, Michigan, Minnesota, Mississippi, Montana, New Jersey, North Carolina, Oregon, Texas, Utah and Washington the ten-year surrender charge schedule is 8% for years 0-2, 7% for year 3 and declining by 1% each year thereafter until it is 0% for years 10+. For contracts issued in Alabama and Massachusetts, we waive surrender charges after the tenth contract anniversary for all payments regardless of when payments are made. Surrender charges may vary by state based on your age at contract issue.

Surrender charge under RAVA 4 Select (except Texas):

For purposes of calculating any surrender charge under RAVA 4 Select, we treat amounts surrendered from your contract value in the following order:


1.	First, we surrender the TFA. We do not assess a surrender charge on the TFA.

2.	Next, if necessary, we surrender purchase payments. We do assess a surrender charge on these payments during the first three contract years as follows:


Contract year	Surrender charge percentage

1		7	%

2		7

3		7

Thereafter		0

Surrender charge under RAVA 4 Select in Texas:

For purposes of calculating any surrender charge under RAVA 4 Select in Texas, we treat amounts surrendered from your contract value in the following order:


1.	First, we surrender the TFA. We do not assess a surrender charge on the TFA.


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 29


2.	Next, if necessary, we surrender purchase payments. We surrender amounts from the oldest purchase payments first. We do assess a surrender charge on these payments during the first three contract years as follows:


Number of completed years
from date of each purchase payment	Surrender charge percentage

0		8	%

1		7

2		6

Thereafter		0


3.	There are no surrender charges after the third contract anniversary.

Surrender charge under RAVA 4 Access:

There is no surrender charge if you surrender all or part of your contract.

Partial surrenders:

For an example, see Appendix C.

Surrender charge under Annuity Payout Plan E – Payouts for a specified period: Under this annuity payout plan, you can choose to take a surrender. The amount that you can surrender is the present value of any remaining variable payouts. The discount rate we use in the calculation will be 5.17% if the assumed investment return is 3.5% and 6.67% if the assumed investment return is 5%. The surrender charge equals the present value of the remaining payouts using the assumed investment return minus the present value of the remaining payouts using the discount rate.

Waiver of surrender charges

We do not assess surrender charges for:


•	surrenders of any contract earnings;


•	surrenders of amounts totaling up to 10% of the contract value on the prior contract anniversary to the extent it exceeds contract earnings;

•	if you elected the GWB for Life or SecureSource rider, the greater of your contract’s Remaining Benefit Payment or Remaining Annual Lifetime Payment to the extent it exceeds the greater of contract earnings or 10% of the contract value on the prior contract anniversary;

•	amounts surrendered after the tenth contract anniversary in Alabama and Massachusetts;

•	to the extent that they exceed the greater of contract earnings or 10% of the contract value on the prior contract anniversary, required minimum distributions from a qualified annuity. The amount on which surrender charges are waived can be no greater than the RMD amount calculated under your specific contract currently in force;

•	contracts settled using an annuity payout plan*, unless an Annuity Payout Plan E is later surrendered;

•	amounts we refund to you during the free look period*;

•	death benefits*;

•	surrenders you make under your contract’s “Waiver of Surrender Charges for Hospital or Nursing Home Confinement” provision*. To the extent permitted by state law, this provision applies when you are under age 76 on the date that we issue the contract. Under this provision, we will waive surrender charges that we normally assess upon full or partial surrender. You must provide proof satisfactory to us that, as of the date you request the surrender, you or your spouse are confined to a nursing home or hospital and have been for 60 straight days and the confinement began after the contract date. (See your contract for additional conditions and restrictions on this waiver.); and

•

surrenders you make under your contract’s “Waiver of Surrender Charges for Terminal Illness Disability Diagnosis” provision.* To the extent permitted by state law, this provision applies when you are under age 76 on the date we issue the contract. Under this provision, we will waive surrender charges that we normally assess for surrenders you make if you or your spouse are diagnosed after the contract issue date as disabled with a medical condition that with reasonable medical certainty will result in death within 12 months or less from the date of a licensed physician’s statement. You must provide us with a licensed physician’s statement containing the terminal illness diagnosis and the date the terminal illness was initially diagnosed. (See your contract for additional conditions and restrictions on this waiver.)


^*		However, we will reverse certain purchase payment credits. (See “Buying your contract – Purchase payment credits.”)

30 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

Possible group reductions: In some cases we may incur lower sales and administrative expenses due to the size of the group, the average contribution and the use of group enrollment procedures. In such cases, we may be able to reduce or eliminate certain charges such as the contract administrative and surrender charges. However, we expect this to occur infrequently.

OPTIONAL LIVING BENEFIT CHARGES

SECURESOURCE FLEX RIDER FEE

We deduct an annual charge for this optional feature only if you select it. The charge is calculated by multiplying the annual rider fee by the greater of the contract anniversary value or the total Remaining Benefit Amount (RBA). The current annual rider fees are as follows:


•	SecureSource Flex – Single Life rider, 0.95%;

•	SecureSource Flex – Joint Life rider, 1.10%.

We deduct the charge from your contract value on your contract anniversary. We prorate this charge among the regular fixed account and the subaccounts in the same proportion as your interest in each bears to your total contract value, less any amounts invested in GPAs or any Special DCA account. Such charge is only deducted from GPAs and any Special DCA account if insufficient amounts are available from the regular fixed account and variable subaccounts.

We will modify this prorated approach to comply with state regulations where necessary.

Once you elect the SecureSource Flex rider, you may not cancel it (except as described below), and the charge will continue to be deducted until the contract or rider is terminated, or the contract value reduces to zero. If the contract or rider is terminated for any reason, we will deduct the charge adjusted for the number of calendar days coverage was in place since we last deducted the charge. If the RBA reduces to zero but the contract value has not been depleted, you will continue to be charged.

Currently the SecureSource Flex rider fee does not vary with the PN program investment option selected; however, we reserve the right to vary the rider fee for each investment option. The SecureSource Flex – Single Life rider fee will not exceed a maximum fee of 2.00%. The SecureSource Flex – Joint Life rider fee will not exceed a maximum fee of 2.50 %.

The following describes how your annual rider fee may increase:


1.	We may increase the annual rider fee at our discretion and on a nondiscriminatory basis. Your annual rider fee will increase if we declare an increase to the fee with written notice 30 days in advance except as described below. The new fee will be in effect on the date we declare in the written notice.


	(A)	You can decline this increase and therefore all future fee increases if we receive your written request prior to the date of the fee increase, in which case you permanently relinquish:


	(i)	all future annual step-ups, and for the Joint Life rider, spousal continuation step-ups,

	(ii)	any ability to make additional purchase payments,

	(iii)	the ability to change your PN program investment option to one that is more aggressive than your current investment option. Any change to a less aggressive investment option will further limit the investment options available to the then current and less aggressive investment options.


	(B)	You can terminate this rider if your annual rider fee after any increase is more than 0.25 percentage points higher than your fee before the increase and if we receive your written request to terminate the rider prior to the date of the fee increase.

Your annual rider fee may increase if you elect to change to a more aggressive PN program investment option and if the new investment option has a higher current annual rider fee. The annual rider fees associated with the available PN program investment options may change at our discretion, however these changes will not apply to this rider unless you change your current investment option to a more aggressive investment option. The new fee will be in effect on the valuation date we receive your written request to change your investment option. You cannot decline this type of fee increase. To avoid it, you must stay in the same investment option or move to a less aggressive one. Also, this type of fee increase does not allow you to terminate the rider.

If the rider fee changes during the contract year, we will calculate an average rider fee, for that contract year only, that reflects the various different fees that were in effect for that year, adjusted for the number of calendar days each fee was in effect.


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 31

The charge does not apply after you annuitize your contract and annuity payouts begin.

ACCUMULATION BENEFIT RIDER FEE

We deduct an annual charge from your contract value based on the greater of your contract value or the minimum contract accumulation value on your contract anniversary for this optional benefit only if you select it. See table below for the applicable percentage. We prorate this charge among the subaccounts and the regular, fixed account (if applicable) in the same proportion as your interest in each bears to your total contract value, less any amounts invested in the Special DCA fixed account. Such charge is only deducted from any Special DCA fixed account if insufficient amounts are available in the regular fixed account and the subaccounts. The charge will only be deducted from the subaccounts in Washington. We will modify this prorated approach to comply with state regulations where necessary.

Once you elect the Accumulation Benefit rider, you may not cancel it and the charge will continue to be deducted through the end of the waiting period or when annuity payouts begin. If the contract is terminated for any reason or when annuity payouts begin, we will deduct the charge, adjusted for the number of calendar days coverage was in place since we last deducted the charge.

The Accumulation Benefit rider fee will not exceed a maximum fee of 2.50%.

We may change the rider fee at our discretion and on a nondiscriminatory basis.

We will not change the Accumulation Benefit rider fee in effect on your contract after the rider effective date unless:


(a)	you choose the annual elective step up or elective spousal continuation step up after we have exercised our rights to increase the rider fee; or


(b)	you change your PN program investment option after we have exercised our rights to increase the rider fee or vary the rider fee for each PN program investment option.

We exercised our right to increase the rider fee upon elective step up or elective spousal continuation step us and vary the fee depending on whether your contract value is invested in one of the Portfolio Navigator or Portfolio Stabilizer funds at the time of the elective step up or spousal continuation step up. You will pay the fee that is in effect on the valuation date we receive your written request to step up. Currently, we waive our right to increase the fee for investment option changes. There is no assurance that we will not exercise our right in the future.


				Current annual rider fee for			Current annual rider fee for
				elective step ups on/after			elective step ups on/after
	Current annual fee			10/20/12 if invested in a			11/18/13 if invested in a
	for elective			Portfolio Navigator fund			Portfolio Stabilizer fund
Contract purchase date	step ups before 10/20/12			at the time of the step up			at the time of the step up


prior to 1/26/2009		0.60	%		1.75	%		1.30	%

1/26/2009 – 5/31/2009		0.80	%		1.75	%		1.30	%

11/09/2009 – 10/03/2010		1.25	%		1.75	%		1.30	%

10/04/2010 and later		1.50	%		1.75	%		1.30	%

Subject to the terms of your contract, we reserve the right to further increase the rider fees to the maximum limit provided by your rider and to vary the rider fees based on the fund you select.

The automatic step up option available under your rider will not impact your rider fee.

Please see the “Optional Living Benefits — Accumulation Benefit Rider” section for a full description and rules applicable to elective and automatic step up options under your rider.

The charge does not apply after annuity payouts begin.

GWB FOR LIFE RIDER FEE

We deduct a charge for this optional feature only if you select it. The initial annual rider fee is 0.65%. The charge is calculated by multiplying the annual rider fee by the greater of the contract anniversary value or the remaining benefit amount (RBA). We prorate this charge among the subaccounts and the regular fixed account (if applicable) in the same proportion as your interest in each bears to your total contract value, less any amounts invested in the GPAs and in the Special DCA fixed account. Such charge is only deducted from GPAs and any Special DCA fixed account if insufficient amounts are available in

32 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

the regular fixed account and the subaccounts. The charge will only be deducted from the subaccounts in Washington. We will modify this prorated approach to comply with state regulations where necessary.

Once you elect the GWB for Life rider, you may not cancel it and the fee will continue to be deducted until the contract is terminated, the contract value reduces to zero or annuity payouts begin. If the contract is terminated for any reason or when annuity payouts begin, we will deduct the fee, adjusted for the number of calendar days coverage was in place since we last deducted the fee. If the RBA goes to zero but the contract value has not been depleted, you will continue to be charged.

The GWB for Life rider fee will not exceed a maximum fee of 1.50%.

We may increase the rider fee at our discretion and on a nondiscriminatory basis.

We will not change the GWB for Life rider fee in effect on your contract after the rider effective date unless:


(a)	you choose the annual elective step up or the elective spousal continuation step up after we have exercised our rights to increase the rider fee; or


(b)	you elect to change your PN program investment option after we have exercised our rights to increase and/or vary the rider fee for each investment option.

Effective Dec. 18, 2013, we exercised our right to increase the rider fee and vary the fee depending on the fund to which your contract value is invested. Beginning Dec. 18, 2013, if you:


•	request an elective step up or the elective spousal continuation step up, or


•	move to a Portfolio Navigator fund that is more aggressive than the Portfolio Navigator fund you are currently allocated to,

the fee that will apply to your rider will correspond to the fund in which you are currently invested as shown in the table below.


	Initial annual rider fee			Current rider fee for
	and fee for elective step ups			elective step ups
Fund name	before 12/18/13			on or after 12/18/13


Portfolio Stabilizer funds		0.65	%		0.65	%

Portfolio Navigator funds:

Variable Portfolio – Conservative Portfolio (Class 2), (Class 4)		0.65	%		0.65	%

Variable Portfolio – Moderately Conservative Portfolio (Class 2), (Class 4)		0.65	%		0.65	%

Variable Portfolio – Moderate Portfolio (Class 2), (Class 4)		0.65	%		0.65	%

Variable Portfolio – Moderately Aggressive Portfolio (Class 2), (Class 4)		0.65	%		0.95	%

Variable Portfolio – Aggressive Portfolio (Class 2), (Class 4)		0.65	%		1.10	%

On your next contract anniversary, if your contract value is allocated to a fund subject to a fee increase, you will have 30 days following the anniversary to choose from the following:


1.	Remain invested in your current Portfolio Navigator fund and elect to step up (when available) and lock in your contract gains. If you make this decision, your rider fee will increase.


2.	Move to one of the Portfolio Stabilizer funds. If you do this, your rider fee will not increase, but remember that you will lose your access to invest in the Portfolio Navigator funds.


3.	Do not elect a step up, if eligible. You will not lock in contract gains, but your rider fee will stay the same.


4.	If you are invested in the Variable Portfolio — Aggressive Portfolio or the Variable Portfolio — Moderately Aggressive Portfolio: move to a less aggressive Portfolio Navigator fund that is not subject to a fee increase. If you do this, your rider fee will not increase.

During the 30 days following your contract anniversary, if your contract value is allocated to a fund subject to a fee increase, we will automatically process any available step up and lock in any contract gains, as well as reactivate automatic step ups, under the following circumstances:


(1)	transfers of contract value to a Portfolio Stabilizer fund, a less aggressive Portfolio Navigator fund that is not subject to a fee increase, or to a more aggressive Portfolio Navigator fund; or


(2)	a withdrawal occurs resulting in your contract value automatically being moved as of the date of the withdrawal to the Portfolio Navigator Moderate fund.

The step up and lock in of any contract gains will occur as of the date of the transfer or withdrawal described above.


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 33

We will notify you in writing about your opportunity to elect to step up (if eligible) and incur the higher rider fee or maintain your guaranteed amount at its current level and keep your rider fee the same. If you are subject to a fee increase, you will receive a letter from us approximately 30 days before your next annuity contract anniversary. This letter will describe the potential opportunity to elect a step up to increase your guaranteed income and how to make the election if eligible. You will have a 30 day period beginning on your next contract anniversary to choose whether to step up and accept the fee increase. The step up and new fee will be effective on the date we receive your request for the step up (Step up date). For purposes of determining the duration of the “30 day window” following your contract anniversary to elect to step up or to transfer funds to lock in any available contract gains, the following will apply:


(1)	the duration of your window is determined on a calendar day basis;


(2)	under our current administrative process we will accept your request on the 31st calendar day if we receive it prior to the close of the NYSE; and


(3)	if your window ends on a day the NYSE is closed, we must receive your request no later than the close of the NYSE on the preceding Valuation Date.

Each year, we will continue to provide you written notice of your options with respect to elective step ups and the fee increase until you are no longer subject to a fee increase. Once you have taken action that results in a higher fee, you will become eligible for automatic step ups under the rider.

If you choose the elective step up, the elective spousal continuation step up, or change your investment option after we have exercised our rights to increase the rider fee as described above, you will pay the fee that is in effect on the valuation date we receive your written request to step up or change your investment option. On the next contract anniversary, we will calculate an average fee, for the preceding contract year only, that reflects the various different charges that were in effect that year, adjusted for the number of calendar days each fee was in effect.

The charge does not apply after annuity payouts begin.

For an example of how your fee will vary upon elective step up or spousal continuation step up, please see Appendix T.

SECURESOURCE RIDER FEE

We deduct a charge based on the greater of the contract anniversary value or the total Remaining Benefit Amount (RBA)⁽¹⁾ for this optional feature only if you select it as follows:


Contract purchase date	Initial annual rider fee			Maximum annual rider fee


prior to 1/26/2009, Single Life		0.65	%		1.50	%

prior to 1/26/2009, Joint Life		0.85	%		1.75	%

1/26/2009 and later, Single Life		0.90	%		2.00	%

1/26/2009 and later, Joint Life		1.15	%		2.50	%

We deduct the charge from your contract value on your contract anniversary. We prorate this charge among the subaccounts and the regular fixed account (if applicable) in the same proportion as your interest in each bears to your total contract value, less any amounts invested in the GPAs and in the Special DCA fixed account. Such charge is only deducted from GPAs and any Special DCA fixed account if insufficient amounts are available in the regular fixed account and the subaccounts. The charge will only be deducted from the subaccounts in Washington. We will modify this approach to comply with state regulations where necessary.

Once you elect the SecureSource rider, you may not cancel it and the fee will continue to be deducted until the contract or rider is terminated, or the contract value reduces to zero. If the contract or rider is terminated for any reason, we will deduct the fee, adjusted for the number of calendar days coverage was in place since we last deducted the fee. If the RBA reduces to zero but the contract value has not been depleted, you will continue to be charged.

34 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

We may increase the rider fee at our discretion and on a nondiscriminatory basis. However, the rider fee will not exceed the maximum fee as shown in the table above.

We will not change the SecureSource rider fee in effect on your contract after the rider effective date unless:


(a)	you choose the annual elective step up or elective spousal continuation step up after we have exercised our rights to increase the rider fee; or


(b)	you elect to change your PN program investment option after we have exercised our rights to increase and/or vary the rider fee for each investment option.

Effective Dec. 18, 2013, we exercised our right to increase the rider fee and vary the fee depending on the fund to which your contract value is invested. Beginning Dec. 18, 2013, if you:


•	request an elective step up or the elective spousal continuation step up, or


•	move to a Portfolio Navigator fund that is more aggressive than the Portfolio Navigator fund you are currently allocated to,

the fee that will apply to your rider will correspond to the fund in which you are currently invested as shown in the table below.


				Portfolio Navigator funds
							Variable						Variable
				Variable			Portfolio –			Variable			Portfolio –			Variable
				Portfolio –			Moderately			Portfolio –			Moderately			Portfolio –
				Conservative			Conservative			Moderate			Aggressive			Aggressive
	All Portfolio			Portfolio			Portfolio			Portfolio			Portfolio			Portfolio
	Stabilizer			(Class 2),			(Class 2),			(Class 2),			(Class 2),			(Class 2),
Contract purchase date	funds			(Class 4)			(Class 4)			(Class 4)			(Class 4)			(Class 4)


prior to 1/26/2009, Single Life		0.65	%		0.65	%		0.65	%		0.65	%		0.90	%		1.00	%

prior to 1/26/2009, Joint Life		0.85	%		0.85	%		0.85	%		0.85	%		1.10	%		1.20	%

1/26/2009 and later, Single Life		0.90	%		0.90	%		0.90	%		0.90	%		1.00	%		1.10	%

1/26/2009 and later, Joint Life		1.15	%		1.15	%		1.15	%		1.15	%		1.25	%		1.35	%

On your next contract anniversary, if your contract value is allocated to a fund subject to a fee increase, you will have 30 days following the anniversary to choose from the following:


1.	Remain invested in your current Portfolio Navigator fund and elect to step up (when available) and lock in your contract gains. If you make this decision, your rider fee will increase.


2.	Move to one of the Portfolio Stabilizer funds. If you do this, your rider fee will not increase, but remember that you will lose your access to invest in the Portfolio Navigator funds.


3.	Do not elect a step up. You will not lock in contract gains, but your rider fee will stay the same.


4.	If you are invested in the Variable Portfolio — Aggressive Portfolio or the Variable Portfolio — Moderately Aggressive Portfolio: move to a less aggressive Portfolio Navigator fund that is not subject to a fee increase. If you do this, your rider fee will not increase.


(1)	transfers of contract value to a Portfolio Stabilizer fund, a less aggressive Portfolio Navigator fund that is not subject to a fee increase, or to a more aggressive Portfolio Navigator fund; or


(2)	a withdrawal occurs resulting in your contract value automatically being moved as of the date of the withdrawal to the Portfolio Navigator Moderate fund.

The step up and lock in of any contract gains will occur as of the date of the transfer or withdrawal described above.


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 35

receive a letter from us approximately 30 days before your next annuity contract anniversary. This letter will describe the potential opportunity to elect a step up to increase your guaranteed income and how to make the election (if eligible). You will have a 30 day period beginning on your next contract anniversary to choose whether to step up and accept the fee increase. The Step up and new fee will be effective on the date we receive your request for the step up (Step up date). For purposes of determining the duration of the “30 day window” following your contract anniversary to elect to step up or to transfer funds to lock in any available contract gains, the following will apply:


(1)	the duration of your window is determined on a calendar day basis;


(2)	under our current administrative process we will accept your request on the 31st calendar day if we receive it prior to the close of the NYSE; and


(3)	if your window ends on a day the NYSE is closed, we must receive your request no later than the close of the NYSE on the preceding Valuation Date.

If you choose the elective step up, the elective spousal continuation step up, or change your investment option after we have exercised our rights to increase the rider fee as described above, you will pay the fee that is in effect on the valuation date we receive your written request to step up or change your investment option. On the next contract anniversary, we will calculate an average rider fee, for the preceding contract year only, that reflects the various different charges that were in effect that year, adjusted for the number of calendar days each fee was in effect.

The charge does not apply after annuity payouts begin.

For an example of how your fee will vary upon elective step up or spousal continuation step up, please see Appendix I.


⁽¹⁾		In Washington, the fee is based on the greater of the variable account contract value or the RBA less amounts invested in the fixed account.

OPTIONAL DEATH BENEFIT CHARGES

ROPP RIDER FEE

We deduct a charge for this optional feature only if you select it.⁽¹⁾ If selected, we deduct an annual charge of 0.20% of your contract value on your contract anniversary at the end of each contract year. We prorate this charge among the subaccounts and regular fixed account in the same proportion your interest in each account bears to your total contract value, less amounts invested in the GPAs and the Special DCA fixed account. Such charge is only deducted from GPAs and any Special DCA fixed account if insufficient amounts are available in the regular fixed account and the subaccounts. In this case, we prorate the fee among all accounts in the same proportion your interest in each account bears to your total contract value. We reserve the right to increase the fee for this rider after the tenth rider anniversary to a maximum of 0.30%.

If the contract is terminated for any reason, we will deduct the charge from your contract value at that time, adjusted for the number of calendar days coverage was in effect during the year.


⁽¹⁾		Available if you are 76 or older at the rider effective date. ROPP is included in the standard death benefit if you are age 75 or younger on the contract effective date at no additional cost.

MAV RIDER FEE

We deduct a charge for this optional feature only if you select it.⁽¹⁾ If selected, we deduct an annual charge of 0.25% of your contract value on your contract anniversary at the end of each contract year. We prorate this charge among the subaccounts and regular fixed account in the same proportion your interest in each account bears to your total contract value, less amounts invested in the GPAs and the Special DCA fixed account. Such charge is only deducted from GPAs and any Special DCA fixed account if insufficient amounts are available in the regular fixed account and the subaccounts. In this case, we prorate the fee among all accounts in the same proportion your interest in each account bears to your total contract value. We reserve the right to increase the fee for this rider after the tenth rider anniversary to a maximum of 0.35%.

36 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

If the contract is terminated for any reason, we will deduct the charge from your contract value at that time, adjusted for the number of calendar days coverage was in effect during the year.


⁽¹⁾		Available if you are 75 or younger at the rider effective date. Not available with the 5-Year MAV.

5-YEAR MAV RIDER FEE

We deduct a charge for this optional feature only if you select it.⁽¹⁾ If selected, we deduct an annual charge of 0.10% of your contract value on your contract anniversary at the end of each contract year. We prorate this charge among the subaccounts and regular fixed account in the same proportion your interest in each account bears to your total contract value, less amounts invested in the GPAs and the Special DCA fixed account. Such charge is only deducted from GPAs and any Special DCA fixed account if insufficient amounts are available in the regular fixed account and the subaccounts. In this case, we prorate the fee among all accounts in the same proportion your interest in each account bears to your total contract value. We reserve the right to increase the fee for this rider after the tenth rider anniversary to a maximum of 0.20%.

If the contract is terminated for any reason, we will deduct the charge from your contract value at that time, adjusted for the number of calendar days coverage was in effect during the year.


⁽¹⁾		Available if you are 75 or younger at the rider effective date. Not available with the MAV.

EEB RIDER FEE

We deduct a charge for this optional feature only if you select it.⁽¹⁾ If selected, we deduct an annual charge of 0.30% of your contract value on your contract anniversary at the end of each contract year. We prorate this charge among the subaccounts and regular fixed accounts in the same proportion your interest in each account bears to your total contract value, less amounts invested in the GPAs and the Special DCA fixed account. Such charge is only deducted from GPAs and any Special DCA fixed account if insufficient amounts are available in the regular fixed account and the subaccounts. In this case, we prorate the fee among all accounts in the same proportion your interest in each account bears to your total contract value. We reserve the right to increase the fee for this rider after the tenth rider anniversary to a maximum of 0.40%.

If the contract is terminated for any reason, we will deduct the charge from your contract value at that time, adjusted for the number of calendar days coverage was in effect during the year.


⁽¹⁾		Available if you are 75 or younger at the rider effective date. Not available with EEP. May not be available in all states.

EEP RIDER FEE

We deduct a charge for this optional feature only if you select it.⁽¹⁾ If selected, we deduct an annual charge of 0.40% of your contract value on your contract anniversary at the end of each contract year. We prorate this fee among the subaccounts and regular fixed accounts in the same proportion your interest in each account bears to your total contract value, less amounts invested in the GPAs and the Special DCA fixed account. Such charge is only deducted from GPAs and any Special DCA fixed account if insufficient amounts are available in the regular fixed account and the subaccounts. In this case, we prorate the fee among all accounts in the same proportion your interest in each account bears to your total contract value. We reserve the right to increase the fee for this rider after the tenth rider anniversary to a maximum of 0.50%.

If the contract is terminated for any reason, we will deduct the charge from your contract value at that time, adjusted for the number of calendar days coverage was in effect during the year.


⁽¹⁾		Available if you are 75 or younger at the rider effective date. Not available with EEB. May not be available in all states. EEP is only available on contracts purchased through a direct transfer or exchange of another annuity or a life insurance policy.

RIDER COMBINATION DISCOUNT

A fee discount of 0.05% applies if you purchase the 5-Year MAV with either the EEB or EEP. A fee discount of 0.10% applies if you purchase the MAV with either the EEB or EEP.

FUND FEES AND EXPENSES

There are deductions from and expenses paid out of the assets of the funds that are described in the prospectuses for those funds. (See “Annual Operating Expenses of the Funds.”)

PREMIUM TAXES


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 37

Valuing Your Investment

We value your accounts as follows:

GPA

We value the amounts you allocate to the GPA directly in dollars. The GPA value equals:


•	the sum of your purchase payments and purchase payment credits allocated to the GPA;

•	plus any amounts transferred to the GPA from the regular fixed account or subaccounts;

•	plus interest credited;

•	minus any amounts transferred from the GPA to the regular fixed account or any subaccount;

•	minus any amounts deducted for charges or surrenders; and/or

•	minus any remaining portion of fees where the values of the regular fixed account and the subaccounts are insufficient to cover those fees.

REGULAR FIXED ACCOUNT

We value the amounts you allocate to the regular fixed account directly in dollars. The regular fixed account value equals:


•	the sum of your purchase payments and purchase payment credits and transfer amounts allocated to the regular fixed account (including any positive or negative MVA on amounts transferred from the GPAs);

•	plus interest credited;

•	minus the sum of amounts surrendered (including any applicable surrender charges) and amounts transferred out;

•	minus any prorated portion of the contract administrative charge;

•	minus any prorated portion of the ROPP rider fee (if selected);

•	minus any prorated portion of the MAV rider fee (if selected);

•	minus any prorated portion of the 5-Year MAV rider fee (if selected);

•	minus any prorated portion of the EEB rider fee (if selected);

•	minus any prorated portion of the EEP rider fee (if selected);

•	minus any prorated portion of the Accumulation Benefit rider fee (if selected)*;

•	minus any prorated portion of the GWB for Life rider fee (if selected)*; and

•	minus any prorated portion of the SecureSource rider fee (if selected)*.


*		The fee can only be deducted from the subaccounts in Washington.

SPECIAL DCA FIXED ACCOUNT

We value the amounts you allocate to the Special DCA fixed account directly in dollars. The Special DCA fixed account value equals:


•	the sum of your purchase payments and purchase payment credits allocated to the Special DCA fixed account;

•	plus interest credited;

•	minus the sum of amounts surrendered (including any applicable surrender charges);

•	minus amounts transferred out; and

•	minus any remaining portion of fees where the values of the regular fixed account and the subaccounts are insufficient to cover those fees.

SUBACCOUNTS

We convert amounts you allocated to the subaccounts into accumulation units. Each time you make a purchase payment or transfer amounts into one of the subaccounts or we apply any purchase payment credits to a subaccount, we credit a certain number of accumulation units to your contract for that subaccount. Conversely, we subtract a certain number of accumulation units from your contract each time you take a partial surrender, transfer amounts out of a subaccount, or we assess a contract administrative charge, a surrender charge or charge for any optional riders with annual charges (if applicable).

Number of units: to calculate the number of accumulation units for a particular subaccount we divide your investment by the current accumulation unit value.

38 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

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 accrued income or capital gain dividends to obtain a current adjusted net asset value per share; then

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

•	subtracting the percentage factor representing the mortality and expense risk fee from the result.

Because the net asset value of the fund may fluctuate, the accumulation unit value may increase or decrease. You bear all the investment risk in a subaccount.

Factors that affect subaccount accumulation units: accumulation units may change in two ways — in number and in value.

The number of accumulation units you own may fluctuate due to:


•	additional purchase payments you allocate to the subaccounts;

•	any purchase payment credits allocated to the subaccounts;

•	transfers into or out of the subaccounts (including any positive or negative MVA on amounts transferred from the GPAs);

•	partial surrenders;

•	surrender charges;

and a deduction of a prorated portion of:


•	the contract administrative charge;

•	the ROPP rider charge (if selected);

•	the MAV rider charge (if selected);

•	the 5-Year MAV rider charge (if selected);

•	the EEB rider charge (if selected);

•	the EEP rider fee charge (if selected);

•	the Accumulation Benefit rider charge (if selected);

•	the GWB for Life rider charge (if selected); and/or

•	the SecureSource rider charge (if selected).

Accumulation unit values will fluctuate due to:


•	changes in fund net asset value;

•	fund dividends distributed to the subaccounts;

•	fund capital gains or losses;

•	fund operating expenses; and/or

•	mortality and expense risk fees.

Making the Most of Your Contract

AUTOMATED DOLLAR-COST AVERAGING

Currently, you can use automated transfers to take advantage of dollar-cost averaging (investing a fixed amount at regular intervals). For example, you might transfer a set amount monthly from a relatively conservative subaccount to a more aggressive one, or to several others, or from the regular fixed account to one or more subaccounts. Automated transfers from the regular fixed account to the subaccounts under automated dollar-cost averaging may not exceed an amount that, if continued, would deplete the regular fixed account within 12 months. You may not set up an automated transfer to or from the GPAs. You may not set up an automated transfer to the regular fixed account or the Special DCA fixed account. You may not set up an automated transfer if the GWB for Life, SecureSource, Accumulation Benefit, or PN program is selected. There is no charge for dollar-cost averaging.

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


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 39

How dollar-cost averaging works


								Number
By investing an equal number				Amount		Accumulation		of units
of dollars each month...		Month		invested		unit value		purchased


			Jan	$	100	$	20		5.00

			Feb		100		18		5.56

you automatically buy			Mar		100		17		5.88

more units when the	è		Apr		100		15		6.67

per unit market price is low...			May		100		16		6.25

			June		100		18		5.56

			July		100		17		5.88

and fewer units			Aug		100		19		5.26

when the per unit	è		Sept		100		21		4.76

market price is high.			Oct		100		20		5.00

You paid an average price of $17.91 per unit over the 10 months, while the average market price actually was $18.10.

SPECIAL DOLLAR-COST AVERAGING (SPECIAL DCA) PROGRAM


•	You may only allocate a new purchase payment of at least $10,000 to a Special DCA fixed account.


•	You cannot transfer existing contract values into a Special DCA fixed account.

•	Each Special DCA arrangement consists of six monthly transfers that begin seven days after we receive your purchase payment.

•	We make monthly transfers of your Special DCA fixed account value into the subaccounts or PN program investment option you have selected.

•	You may not use the regular fixed account, GPA account, or the Special DCA fixed account as a destination for the Special DCA monthly transfer. (Exception: if the PN program is in effect and the model portfolio you have selected, if applicable, includes the regular fixed account, amounts will be transferred from the Special DCA fixed account to the regular fixed account according to the allocation percentage established for the model portfolio you have selected.)

•	We will change the interest rate on each Special DCA fixed account from time to time at our discretion based on factors that include the competition and the interest rate we are crediting to the regular fixed account at the time of the change. From time to time, we may credit interest to the Special DCA fixed account at promotional rates that are higher than those we credit to the regular fixed account.

•	We credit each Special DCA fixed account with the current guaranteed annual rate that is in effect on the date we receive your purchase payment. However, we credit this annual rate over the length of the Special DCA arrangement on the balance remaining in your Special DCA fixed account. Therefore, the net effective interest rate you receive is less than the stated annual rate.

•	We do not credit this interest after we transfer the value out of the Special DCA fixed account into the accounts you selected.

•	Once you establish a Special DCA fixed account, you cannot allocate additional purchase payments to it. However, you may establish another new Special DCA fixed account and allocate new purchase payments to it.

•	Funding from multiple sources is treated as individual purchase payments and a new Special DCA fixed account is opened for each payment (if the Special DCA fixed accounts are available on the valuation date we receive your payment).

•	You may terminate your participation in the Special DCA program at any time. If you do, for RAVA 4 Advantage and RAVA 4 Select, we will transfer the remaining balance from your Special DCA fixed account to the regular fixed account, if no other specification is made. Interest will be credited according to the rates in effect on the regular fixed account and not

40 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS


		the rate that was in effect on the Special DCA fixed account. For RAVA 4 Access, we will transfer the remaining balance from your Special DCA fixed account to variable subaccounts you specified in your termination request, or if no specification is made, according to your current purchase payment allocation. (Exception: if you are required to be in the PN program when you elect to end your participation in the Special DCA program, we will transfer the remaining balance to the PN program investment option you have selected).


•	We can modify the terms of the Special DCA program at any time. Any modifications will not affect any purchase payments that are already in a Special DCA fixed account. For more information on the Special DCA program, contact your financial advisor.

ASSET REBALANCING

You can ask us in writing to have the variable subaccount portion of your contract value allocated according to the percentages (in tenth of a percent amounts) that you choose. We automatically will rebalance the variable subaccount portion of your contract value either quarterly, semi-annually, or annually. The period you select will start to run on the date we record your request. On the first valuation date of each of these periods, we automatically will rebalance your contract value so that the value in each subaccount matches your current subaccount percentage allocations. These percentage allocations must be in numbers with no more than one digit past the decimal. Asset rebalancing does not apply to the GPAs, regular fixed account or the Special DCA fixed account. There is no charge for asset rebalancing. The contract value must be at least $2,000.

Different rules apply to asset rebalancing under the Portfolio Navigator program (see “Portfolio Navigator Program and Portfolio Stabilizer Funds” below).

PORTFOLIO NAVIGATOR PROGRAM (PN PROGRAM) AND PORTFOLIO STABILIZER FUNDS

Under the PN program, for living benefit riders, your contract value is allocated to a PN program investment option (except as described in the next paragraph). The PN program investment options are currently five funds of funds, each of which invests in underlying funds in proportions that vary among the funds of funds in light of each fund of funds’ investment objective (“Portfolio Navigator funds”). The PN program is available for both nonqualified and qualified annuities.

You are required to participate in the PN program if your contract includes optional living benefit riders. Prior to November 18, 2013, the program contained Portfolio Navigator funds and PN program model portfolios. If your contract does not include one of these riders, you may not participate in the PN program; but you may choose to allocate your contract value to one or more of the funds of funds without being in the PN program. You should review any PN program information, including the prospectus for the funds of funds, carefully. Your financial advisor can provide you with additional information and can answer questions you may have on the PN program.


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 41

The Portfolio Stabilizer funds. Beginning November 18, 2013, if you have selected SecureSource rider, GWB for Life rider or Accumulation Benefit rider, the following Portfolio Stabilizer funds will be available to you:

1. Columbia Variable Portfolio – Managed Volatility Conservative Fund (Class 2)

2. Columbia Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2)

3. Columbia Variable Portfolio – Managed Volatility Moderate Growth Fund (Class 2)

4. Columbia Variable Portfolio – Managed Volatility Growth Fund (Class 2)


•	derivative transactions (such as credit default swap indexes, futures, swaps, forward rate agreements and options);


•	direct investments in exchange-traded funds (ETFs); and


•	direct investments in fixed-income or debt securities (such as investment grade corporate bonds, high yield (i.e., junk) instruments, sovereign debt, U.S. Government bonds and notes, Treasury inflation-protected securities (TIPS), mortgage- and asset-backed securities and international bonds, each with varying interest rates, terms, durations and credit exposures and dollar rolls).

Columbia Management considers the independent analysis of Morningstar Associates, LLC (Morningstar), an independent investment consultant, with respect to the performance of the underlying funds, the types of investment categories represented by the underlying funds, and the consideration of additional asset classes, or segments within these classes represented by the underlying funds. Columbia Management retains full discretion over the Portfolio Stabilizer funds’ investment activities. Neither Columbia Management nor Morningstar serves as your investment adviser as to the allocation of your contract value to the Portfolio Stabilizer funds.

For additional information about the Portfolio Stabilizer funds’ investment strategies, see the Funds’ prospectuses.

Below are the target asset allocation ranges (between the relevant asset classes) for each of the Portfolio Navigator funds:


1.	Variable Portfolio – Aggressive Portfolio: 70-85% Equity / 10-25% Fixed Income / 0-5% Cash/Cash Equivalents / 0-10% Alternative Strategies


2.	Variable Portfolio – Moderately Aggressive Portfolio: 55-70% Equity / 25-40% Fixed Income / 0-5% Cash/Cash Equivalents / 0-10% Alternative Strategies

42 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS


3.	Variable Portfolio – Moderate Portfolio: 40-55% Equity / 40-55% Fixed Income / 0-5% Cash/Cash Equivalents / 0-10% Alternative Strategies


4.	Variable Portfolio – Moderately Conservative Portfolio: 25-40% Equity / 50-65% Fixed Income / 0-10% Cash/Cash Equivalents / 0-10% Alternative Strategies


5.	Variable Portfolio – Conservative Portfolio: 10-25% Equity / 60-75% Fixed Income / 5-15% Cash/Cash Equivalents / 0-10% Alternative Strategies

For additional information about the Portfolio Navigator funds’ investment strategies, see the Funds’ prospectus.

PN Program static model portfolios. If you have chosen to remain invested in a “static” PN program model portfolio, your assets will remain invested in accordance with your current model portfolio, and you will not be provided with any updates to the model portfolio or reallocation recommendations. (The last such reallocation recommendation was provided in 2009.) Each model portfolio consists of underlying funds and/or any GPAs (if included) in accordance with the allocation percentages stated for the model portfolio. By participating in the PN program through a model portfolio, you have instructed us to automatically rebalance your contract value quarterly in order to maintain alignment with these allocation percentages.

If you own a contract with a living benefit rider which requires you to participate in the PN program and have chosen to remain in a PN program model portfolio, you may in the future transfer the assets in your contract only to one of the Portfolio Navigator funds/Portfolio Stabilizer funds. If you are invested in Portfolio Navigator fund and have a living benefit rider that requires a move to a certain model portfolio once you begin taking income, you will be transferred to the Portfolio Navigator fund that corresponds to that model portfolio once you begin taking income.

If you initially allocate qualifying purchase payments to the Special DCA fixed account, when available (see “The Special DCA Fixed Account”), and you are invested in one of the Portfolio Stabilizer or Portfolio Navigator funds, we will make monthly transfers in accordance with your instructions from the Special DCA fixed account, into the investment option or model portfolio you have chosen.

Before you decide to transfer contract value to one of the Portfolio Stabilizer funds, you and your financial advisor should carefully consider the following:


•	Whether the Portfolio Stabilizer fund meets your personal investment objectives and/or risk tolerance.

•


•	Whether the total expenses associated with an investment in a Portfolio Stabilizer fund is appropriate for you. For total expenses associated with the rider, you should consider not only the variation of the rider fee, but also the variation in fees


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 43


	among the various funds. You should also consider your overall investment objective, as well as how total fees and your selected fund’s investment objective may impact the amount of any step up opportunities in the future.

You may request a change to your fund selection (or a transfer from your PN program static model portfolio to either a Portfolio Navigator fund or a Portfolio Stabilizer fund) up to two times per contract year by written request on an authorized form or by another method agreed to by us. If you make such a change, we may charge you a higher fee for your rider. However, an initial transfer from a Portfolio Navigator fund to a Portfolio Stabilizer fund will not count toward the limit of two transfers per year. If your contract includes a SecureSource rider, we reserve the right to limit the number of changes if required to comply with the written instructions of a fund (see “Market Timing”). If your contract includes the GWB for Life rider or SecureSource rider, we reserve the right to limit the number of investment options from which you can select, subject to state restrictions. If you decide to annuitize your contract, your rider will terminate and you will no longer have access to the Portfolio Stabilizer funds.


•	limit your choice of investment options based on the amount of your initial purchase payment;


•	cancel required participation in the program after 30 days written notice;


•	substitute a fund of funds for your model portfolio, if applicable, if permitted under applicable securities law; and


•	discontinue the PN program after 30 days written notice.

For a complete list of the risks associated with investing in the Portfolio Stabilizer funds and the Portfolio Navigator funds, please consult the applicable Fund’s prospectus.

44 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

Conflicts of interest regarding the Portfolio Stabilizer funds and Portfolio Navigator funds. In providing investment advisory services for the Portfolio Stabilizer funds, the Portfolio Navigator 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. For additional information regarding the conflicts of interest to which Columbia Management may be subject, see the Funds’ prospectuses.

Shares of the Portfolio Navigator funds and Portfolio Stabilizer funds are currently available solely to our contract holders, including where the contract holder has elected a guaranteed benefit rider that requires investment in the Fund. We are an affiliate of Ameriprise Financial Inc., which is the parent company of Columbia Management, the Funds’ investment manager. We have financial obligations to holders of the riders arising from guarantee obligations under such riders, which vary based upon the investment performance of the Fund.

Living benefit riders requiring participation in the PN program or investing in the Portfolio Stabilizer funds:

•

Accumulation Benefit rider: You cannot terminate the Accumulation Benefit rider. As long as the Accumulation Benefit rider is in effect, your contract value must be invested in one of the PN program investment options or in one of the Portfolio Stabilizer funds. For contracts purchased on or after Jan. 26, 2009, you cannot select the Portfolio Navigator Aggressive investment option, or transfer to the Portfolio Navigator Aggressive investment option while the rider is in effect. The Accumulation Benefit rider automatically ends at the end of the waiting period and you then have the option to cancel your participation in the PN program. At all other times, if you do not want to invest in any of the PN program investment options, or one of the Portfolio Stabilizer funds, you must terminate your contract by requesting a full surrender. Surrender charges and tax penalties may apply.

•

GWB for Life or SecureSource rider: The GWB for Life or SecureSource rider requires that your contract value be invested in one of the PN program investment options or one of the Portfolio Stabilizer funds, for the life of the contract. Subject to state restrictions, we reserve the right to limit the number of investment options from which you can select based on the dollar amount of purchase payments you make. Because you cannot terminate the GWB for Life or SecureSource rider once you have selected it, you must terminate your contract by requesting a full surrender if you do not want to invest in any of the PN program investment options or one of the Portfolio Stabilizer funds. Surrender charges and tax penalties may apply.

TRANSFERRING AMONG ACCOUNTS

The transfer rights discussed in this section do not apply if you have selected one of the optional living benefit riders.

You may transfer contract value from any one subaccount, GPAs or the regular fixed account, to another subaccount before annuity payouts begin. For RAVA 4 Advantage and RAVA 4 Select contracts, certain restrictions apply to transfers involving the GPAs and the regular fixed account. For RAVA 4 Access contracts you cannot transfer to the regular fixed account. (Exception: RAVA 4 Access contract holders who remained invested in the static PN program model portfolio and have the regular fixed account included in the model portfolio selected.)


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 45

When your request to transfer will be processed depends on when we receive it:


•	If we receive your transfer request at our corporate office 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 corporate office 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.

We may suspend or modify transfer privileges at any time, subject to state regulatory requirements.

For information on transfers after annuity payouts begin, see “Transfer policies” below.

Transfer policies

For RAVA 4 Advantage and RAVA 4 Select


•	Before annuity payouts begin, you may transfer contract values between the subaccounts, or from the subaccounts to the GPAs and regular fixed account at any time. The amount transferred to any GPA must be at least $1,000. However, if you made a transfer from the regular fixed account to the subaccounts or the GPAs, you may not make a transfer from any subaccount or GPA back to the regular fixed account until the next contract anniversary. We reserve the right to limit transfers to the regular fixed account if the interest rate we are then currently crediting to the regular fixed account is equal to the minimum interest rate stated in the contract.

•	You may transfer contract values from the regular fixed account to the subaccounts or the GPAs once a year during a 31-day transfer period starting on each contract anniversary (except for automated transfers, which can be set up at any time for certain transfer periods subject to certain minimums). Transfers from the regular fixed account are not subject to an MVA. Currently, transfers out of the regular fixed account are limited to the greater of: a) 30% of the regular fixed account value at the beginning of the contract year, or b) the amount transferred out of the regular fixed account in the previous contract year, excluding any automated transfer amounts. Because of this limitation, it may take you several years to transfer all your contract value from the regular fixed account. You should carefully consider whether the regular fixed account meets your investment criteria before you invest. If an automated dollar-cost averaging arrangement is established within 30 days of contract issue, the 30% limitation does not apply to transfers made from the regular fixed account to the subaccounts for the duration of this initial arrangement.

•	You may transfer contract values from any GPA to the subaccounts, regular fixed account or other GPA any time after 60 days of transfer or payment allocation into such GPA. Transfers made more than 30 days before the end of the guarantee period will receive an MVA, which may result in a gain or loss of contract value, unless an exception applies (see “The Guarantee Period Accounts (GPAs) — Market Value Adjustment (MVA)”).

•	If we receive your request within 30 days before the contract anniversary date, the transfer from the regular fixed account to the subaccounts will be effective on the anniversary.

•	If we receive your request on or within 30 days after the contract anniversary date, the transfer from the regular fixed account to the subaccounts or GPAs will be effective on the valuation date we receive it.

•	We will not accept requests for transfers from the regular fixed account at any other time.

•	You may not make a transfer to the Special DCA fixed account.

•	Once annuity payouts begin, you may not make transfers to or from the GPAs or the regular fixed account, but you may make transfers once per contract year among the subaccounts. During the annuity payout period, you cannot invest in more than five subaccounts at any one time unless we agree otherwise. When annuity payments begin, you must transfer all contract value out of any GPAs and Special DCA fixed account.

For RAVA 4 Access


•	Before annuity payouts begin, you may transfer contract values between the subaccounts, or from the subaccounts to the GPAs at any time. The amount transferred to any GPA must be at least $1,000.

•	You may not make a transfer to the regular fixed account unless it is part of a model portfolio in which you have elected to participate, if applicable.

•	You may transfer contract values from any GPA to the subaccounts, or other GPA any time after 60 days of transfer or payment allocation into such GPA. Transfers made more than 30 days before the end of the guarantee period will receive an MVA, which may result in a gain or loss of contract value, unless an exception applies (see “The Guarantee Period Accounts (GPAs) — Market Value Adjustment (MVA)”).

•	You may not make a transfer to the Special DCA fixed account.

46 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS


•	Once annuity payouts begin, you may not make transfers to or from the GPAs, but you may make transfers once per contract year among the subaccounts. During the annuity payout period, you cannot invest in more than five subaccounts at any one time unless we agree otherwise. When annuity payments begin, you must transfer all contract value out of any GPAs and Special DCA fixed account.

Market Timing

Market timing can reduce the value of your investment in the contract. If market timing causes the returns of an underlying fund to suffer, contract 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 contract and your beneficiary(ies) under the contract a financial loss.

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.

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 and 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 contract 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.


•	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.


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 47


•	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 contract, 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 disregard transfers permitted under any asset allocation, dollar-cost averaging and asset rebalancing programs 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 accounts 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.

•	Each underlying fund is responsible for its own market timing policies, 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 contract 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.

HOW TO REQUEST A TRANSFER OR SURRENDER

1 By letter

Send your name, contract number, Social Security Number or Taxpayer Identification Number* and signed request for a transfer or surrender to:

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

Minimum amount

Transfers or surrenders: $250 or entire account balance

Maximum amount

Transfers or surrenders: Contract value or entire account balance


*		Failure to provide your Social Security Number or Taxpayer Identification Number may result in mandatory tax withholding on the taxable portion of the distribution.

48 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

2 By automated transfers and automated partial surrenders

Your financial advisor can help you set up automated transfers or partial surrenders among your subaccounts or regular fixed account (if available).

You can start or stop this service by written request or other method acceptable to us. You must allow 30 days for us to change any instructions that are currently in place.


•	Automated transfers to the GPAs, the regular fixed account or the Special DCA fixed account are not allowed.

•	Automated transfers from the regular fixed account to the subaccounts under an automated dollar-cost averaging arrangement may not exceed an amount that, if continued, would deplete the regular fixed account within 12 months.

•	Automated surrenders may be restricted by applicable law under some contracts.

•	You may not make additional purchase payments if automated partial surrenders are in effect.

•	Automated partial surrenders may result in income taxes and penalties on all or part of the amount surrendered.

•	The balance in any account from which you make an automated transfer or automated partial surrender must be sufficient to satisfy your instructions. If not, we will suspend your entire automated arrangement until the balance is adequate.

•	If we must suspend your automated transfer or automated partial surrender arrangement for six months, we reserve the right to discontinue the arrangement in its entirety.

•	If the PN program is in effect, you are not allowed to set up automated transfers except in connection with a Special DCA fixed account.

•	If you have a SecureSource rider or GWB for Life rider, you may set up automated partial surrenders up to the benefit amount available for withdrawal under the rider.

Minimum amount

Transfers or surrenders: $50

Maximum amount

Transfers or surrenders: None (except for automated transfers from the regular fixed account)

3 By telephone

Call:

1-800-862-7919

Minimum amount

Transfers or surrenders: $250 or entire account balance

Maximum amount

Transfers: Contract value or entire account balance

Surrenders: $100,000

We answer telephone requests promptly, but you may experience delays when the 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 or surrender requests that we believe are authentic and we will use reasonable procedures to confirm that they are. This includes asking identifying questions and recording calls. We will not allow telephone surrender within 30 days of a phoned-in address change. As long as we follow the procedures, we (and our affiliates) will not be liable for any loss resulting from fraudulent requests.

Telephone transfers or surrenders are automatically available. You may request that telephone transfers or surrenders not be authorized from your account by writing to us.

Surrenders

You may surrender all or part of your contract at any time before the settlement date by sending us a written request or calling us. We will process your surrender request on the valuation date we receive it. If we receive your surrender request in good order at our corporate office 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 corporate office 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. We may ask you to return the contract. You may have to pay a


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 49

contract administrative charge, surrender charges, or any applicable optional rider charges (see “Charges”). Federal income taxes and penalties as well as state and local income taxes may apply (see “Taxes”). You cannot take surrenders after annuity payouts begin except under Plan E (see “The Annuity Payout Period – Annuity Payout Plans”).

Any partial surrenders you take under the contract will reduce your contract value. As a result, the value of your death benefit or any optional benefits you have elected also will be reduced. If you have elected the SecureSource Flex rider, please consider carefully when you take surrenders. If you take any withdrawals during the 3-year waiting period, your benefits will be set to zero until the end of the waiting period when they will be re-established based on your contract value at that time. Also, if you withdraw more than the allowed withdrawal amount in a contract year under the SecureSource Flex rider (“excess withdrawal”), the guaranteed amounts under the rider will be reduced. If you have elected the GWB for Life rider or SecureSource rider and your partial surrenders in any contract year exceed the permitted surrender amount under the terms of the GWB for Life rider or SecureSource rider, your benefits under the rider may be reduced (see “Optional Benefits”). Any partial surrender request that exceeds the amount allowed under the riders and impacts the guarantees provided, will not be considered in good order until we receive a signed Benefit Impact Acknowledgement form showing the projected effect of the surrender on the rider benefits or a verbal acknowledgement that you understand and accept the impacts that have been explained to you. In addition, surrenders you are required to take to satisfy the RMDs under the Code may reduce the value of certain death benefits and optional benefits (see “Taxes – Qualified Annuities – Required Minimum Distributions”).

SURRENDER POLICIES

If you have a balance in more than one account and you request a partial surrender, we will withdraw money from all your subaccounts and/or the regular fixed account, in the same proportion as your value in each account correlates to your total contract value, less any GPA or Special DCA fixed account, unless you request otherwise. We will not withdraw money for a partial surrender from any GPAs or Special DCA fixed account you may have, unless insufficient amounts are available from your subaccounts and/or regular fixed account. However, you may specifically request surrenders from a GPA or Special DCA fixed account. The minimum contract value after partial surrender is $600. If you elected a SecureSource rider, the minimum contract value after partial surrender is zero and you do not have the option to request from which account to surrender.

RECEIVING PAYMENT

1 By regular or express mail


•	payable to you;

•	mailed to address of record.

NOTE: We will charge you a fee if you request express mail delivery.

2 By wire or other form of electronic payment


•	request that payment be wired to your bank;


•	pre-authorization required.

NOTE: We will charge you a fee if you request that payment be wired to your bank. For instructions, please contact your financial advisor.

Normally, we will send the payment within seven days after receiving your request in good order. However, we may postpone the payment if:

– the surrender amount includes a purchase payment check that has not cleared;

– the NYSE is closed, except for normal holiday and weekend closings;

– trading on the NYSE is restricted, according to SEC rules;

– an emergency, as defined by SEC rules, makes it impractical to sell securities or value the net assets of the accounts; or

– the SEC permits us to delay payment for the protection of security holders.

50 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

TSA — Special Provisions

PARTICIPANTS IN TAX-SHELTERED ANNUITIES

If the contract is intended to be used in connection with an employer sponsored 403(b) plan, additional rules relating to this contract can be found in the annuity endorsement for tax sheltered 403(b) annuities. Unless we have made special arrangements with your employer, the contract is not intended for use in connection with an employer sponsored 403(b) plan that is subject to the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). In the event that the employer either by affirmative election or inadvertent action causes contributions under a plan that is subject to ERISA to be made to this contract, we will not be responsible for any obligations and requirements under ERISA and the regulations thereunder, unless we have prior written agreement with the employer. You should consult with your employer to determine whether your 403(b) plan is subject to ERISA.

In the event we have a written agreement with your employer to administer the plan pursuant to ERISA, special rules apply as set forth in the TSA endorsement.

The Code imposes certain restrictions on your right to receive early distributions from a TSA:


•	Distributions attributable to salary reduction contributions (plus earnings) made after Dec. 31, 1988, or to transfers or rollovers from other contracts, may be made from the TSA only if:

– you are at least age 591/2;

– you are disabled as defined in the Code;

– you severed employment with the employer who purchased the contract;

– the distribution is because of your death;

– the distribution is due to plan termination; or

– you are a military reservist.


•	If you encounter a financial hardship (as provided by the Code), you may be eligible to receive a distribution of all contract values attributable to salary reduction contributions made after Dec. 31, 1988, but not the earnings on them.

•	Even though a distribution may be permitted under the above rules, it may be subject to IRS taxes and penalties (see “Taxes”).

•	The above restrictions on distributions do not affect the availability of the amount credited to the contract as of Dec. 31, 1988. The restrictions also do not apply to transfers or exchanges of contract value within the contract, or to another registered variable annuity contract or investment vehicle available through the employer.

•	If the contract has a loan provision, the right to receive a loan is described in detail in your contract. Loans will not be available if you have selected the GWB for Life, SecureSource or Accumulation Benefit rider.

Changing Ownership

You may change ownership of your nonqualified annuity at any time by completing a change of ownership form we approve and sending it to our corporate office. If you are a natural person and you own a nonqualified annuity, you may change the annuitant or successor annuitant if the request is made before annuity payments begin and while the existing annuitant is living. The change will become binding on us when we receive and record it, subject to state limitations. We will honor any change of ownership request received in good order that we believe is authentic and we will use reasonable procedures to confirm authenticity. If we follow these procedures, we will not take any responsibility for the validity of the change.

Please consider carefully whether or not you wish to change ownership of your nonqualified annuity if you have elected the ROPP, MAV, 5-Year MAV, EEB, EEP, Accumulation Benefit, GWB for Life or SecureSource riders. If you change ownership of your contract, we will terminate the ROPP and EEP. This includes both the EEP Part I benefits and the EEP Part II benefits. (See the description of these terms in “Optional Benefits”.) In addition, the terms of the EEB, the MAV and the 5-Year MAV will change due to a change of ownership. If the new owner is older than age 75, the EEB will terminate. Otherwise, the EEB will effectively “start over.” We will treat the EEB as if it is issued on the day the change of ownership is made, using the attained age of the new owner as the “issue age” to determine the benefit levels. The account value on the date of the ownership change will be treated as a “purchase payment” in determining future values of “earnings at death” under the EEB. If the new owner is older than age 75, the MAV and the 5-Year MAV will terminate. If the MAV or the 5-Year


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 51

MAV on the date of ownership change is greater than the account value on the date of the ownership change, we will set the MAV or the 5-Year MAV equal to the account value. Otherwise, the MAV or the 5-Year MAV value will not change due to a change in ownership. The Accumulation Benefit rider, the GWB for Life rider and SecureSource – Single Life rider will continue upon change of ownership. The SecureSource – Joint Life rider, if selected, only allows transfer of the ownership of the annuity contract between covered spouses or their revocable trust(s). If ownership is transferred from a covered spouse to their revocable trust(s), the annuitant must be one of the covered spouses. For SecureSource rider and GWB for Life rider, any ownership change that impacts the guarantees provided will not be considered in good order until we receive a signed Benefit Impact Acknowledgement form showing the projected effect of the ownership change on the rider benefits or a verbal acknowledgement that you understand and accept the impacts that have been explained to you. No other ownership changes are allowed while this rider is in force. Please see the descriptions of these riders in “Optional Benefits.”

If you have a nonqualified annuity, you may incur income tax liability by transferring, assigning or pledging any part of it. (See “Taxes.”)

However, if the owner is a trust or custodian, or an employer acting in similar capacity, ownership of the contract may be transferred to the annuitant.

Benefits in Case of Death — Standard Death Benefit

If you are age 75 or younger on the date we issue the contract, the beneficiary receives the greater of:


•	contract value, less any purchase payment credits subject to reversal, less any applicable rider charges; or

•	purchase payments minus adjusted partial surrenders.

If you are age 76 or older on the date we issue the contract, the beneficiary receives the contract value, less any purchase payment credits subject to reversal, less any applicable rider charges.

Adjusted partial surrenders


		PS × DB CV


	PS =	amount by which the contract value is reduced as a result of the partial surrender.


	DB =	the death benefit on the date of (but prior to) the partial surrender.

	CV =	the contract value on the date of (but prior to) the partial surrender.

Example of standard death benefit calculation when you are age 75 or younger on the contract effective date:


•	You purchase the contract with a payment of $20,000

•	During the second contract year the contract value falls to $18,000, at which point you take a $1,500 partial surrender, leaving a contract value of $16,500.


We calculate the death benefit as follows:
The total purchase payments minus adjustments for partial surrenders:
Total purchase payments		$	20,000
minus adjusted partial surrenders, calculated as:
$1,500 × $20,000 $18,000	=
			−1,667

for a standard death benefit of:		$	18,333
since this is greater than your contract value of $16,500

52 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

IF YOU DIE BEFORE YOUR SETTLEMENT DATE

When paying the beneficiary, we will process the death claim on the valuation date that our death claim requirements are fulfilled. We will determine the contract’s value using the accumulation unit value we calculate on that valuation date. We pay interest, if any, at a rate no less than required by law. If requested, we will mail payment to the beneficiary within seven days after our death claim requirements are fulfilled.

Nonqualified annuities

If your spouse is sole beneficiary and you die before the settlement date, your spouse may keep the contract as owner with the contract value equal to the death benefit that would otherwise have been paid. To do this your spouse must, on the date our death claim requirements are fulfilled, give us written instructions to keep the contract in force. If your spouse elects to keep the contract as owner, the following describes the standard death benefit:


•	If your spouse was age 75 or younger as of the date we issued the contract, the beneficiary of your spouse’s contract receives the greater of:


	•	contract value, less any purchase payment credits subject to reversal, less any applicable rider charges; or

	•	purchase payments minus adjusted partial surrenders.

If you elected any optional contract features or riders, your spouse and the new annuitant (if applicable) will be subject to all limitations and/or restrictions of those features or riders. The SecureSource Flex – Joint Life rider, if selected, will continue only if the spouse electing the spousal continuation provision of the contract is a covered spouse and continues the contract as the new owner. The SecureSource Flex – Single Life rider terminates if a spouse chooses to continue the contract under the spousal continuation provision.

The SecureSource – Joint Life rider, if selected, will continue only if the spouse electing the spousal continuation provision of the contract is a covered spouse and continues the contract as the new owner.

We will not waive surrender charges on contracts continued under the spousal continuation provision.


•	the beneficiary asks us in writing within 60 days after the day on which all documents have been received that prove your death has occurred; and

•	payouts begin no later than one year after your death, or other date as permitted by the IRS; and

•	the payout period does not extend beyond the beneficiary’s life or life expectancy.

Additionally, the optional SecureSource rider, if selected, will terminate.

Qualified annuities


•	Spouse beneficiary: If you have not elected an annuity payout plan, and if your spouse is the sole beneficiary, your spouse may either elect to treat the contract as his/her own with the contract value equal to the death benefit that would otherwise have been paid, or elect an annuity payout plan or another plan agreed to by us. If your spouse elects to treat the contract as his/her own, the following describes the standard death benefit:

•	If your spouse was age 75 or younger as of the date we issued the contract, the beneficiary of your spouse’s contract receives the greater of:


	•	contract value, less any purchase payment credits subject to reversal, less any applicable rider charges; or

	•	purchase payments minus adjusted partial surrenders.


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 53

contract as the new owner. The SecureSource Flex — Single Life rider terminates if a spouse chooses to continue the contract under the spousal continuation provision.

We will not waive surrender charges on contracts continued under the spousal continuation provision.

•


	•	the beneficiary asks us in writing within 60 days after the day on which all documents have been received that prove your death has occurred; and

	•	payouts begin no later than one year following the year of your death; and

	•	the payout period does not extend beyond the beneficiary’s life or life expectancy.


•	Annuity payout plan: If you elect an annuity payout plan, the payouts to your beneficiary will continue pursuant to the annuity payout plan you elect.

Death benefit payment in a lump sum: We may pay all or part of the death benefit to your beneficiary in a lump sum under either a nonqualified or qualified annuity. We will pay the death benefit by check unless your beneficiary has chosen to have the death benefit payment directly deposited into a checking account. We pay all proceeds by check (unless the beneficiary has chosen to have death benefit proceeds directly deposited into another Ameriprise Financial, Inc. account).

Optional Benefits

OPTIONAL DEATH BENEFITS

RETURN OF PURCHASE PAYMENTS DEATH BENEFIT (ROPP)


•	contract value, less any purchase payment credits subject to reversal, less any applicable rider charges; or

•	purchase payments minus adjusted partial surrenders.

When annuity payouts begin, or if you terminate the contract for any reason other than death, this rider will terminate.

Terminating the ROPP


•	You may terminate the ROPP rider within 30 days of the first rider anniversary.

•	You may terminate the ROPP rider within 30 days of any rider anniversary beginning with the seventh rider anniversary.

•	The ROPP rider will terminate when you make a full surrender from the contract or when annuity payouts begin.

If you terminate the ROPP, the standard death benefit applies thereafter.

For an example, see Appendix D.

54 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

If your spouse is the sole beneficiary, he or she may keep the contract as owner with the contract value equal to the death benefit that would otherwise have been paid under the ROPP. To do this your spouse must, on the date our death claim requirements are fulfilled, give us written instructions to keep the contract in force. If your spouse was age 76 or older as of the date we issued the contract, he or she may choose to continue the ROPP. In that case, the ROPP rider charges described in “Charges — ROPP Rider Fee” will be assessed at the next contract anniversary (and all future anniversaries when the rider is in force). These charges will be based on the total contract value on the anniversary. Your spouse also has the option of discontinuing the ROPP rider within 30 days of the date he or she elects to continue the contract. If your spouse is age 75 or younger as of the date we issued the contract, the ROPP will terminate.

NOTE: For special tax considerations associated with the ROPP, see “Taxes.”

MAXIMUM ANNIVERSARY VALUE DEATH BENEFIT (MAV)

The MAV is intended to provide additional death benefit protection in the event of fluctuating fund values. This is an optional benefit that you may select for an additional annual charge (see “Charges”). The MAV does not provide any additional benefit before the first contract anniversary after the rider effective date. The MAV may be of less value if you are older since we stop resetting the maximum anniversary value at age 81. Although we stop resetting the maximum anniversary value at age 81, the MAV rider charge continues to apply until the rider terminates. In addition, the MAV does not provide any additional benefit with respect to the GPAs, regular fixed account or Special DCA fixed account values during the time you have amounts allocated to these accounts. Be sure to discuss with your financial advisor whether or not the MAV is appropriate for your situation.

On the first contract anniversary after the rider effective date we set the maximum anniversary value equal to the highest of your (a) current contract value, or (b) total purchase payments minus adjusted partial surrenders. Thereafter, we increase the maximum anniversary value by any additional purchase payments and reduce it by adjusted partial surrenders. Every contract anniversary after that prior to your 81st birthday, we compare the maximum anniversary value to the current contract value and we reset the maximum anniversary value to the higher amount.

If you die before annuity payouts begin while this contract is in force, we will pay the beneficiary the greatest of:


•	contract value, less any purchase payment credits subject to reversal, less any applicable rider charges; or

•	purchase payments minus adjusted partial surrenders; or

•	the maximum anniversary value.

Terminating the MAV


•	You may terminate the MAV rider within 30 days of the first rider anniversary.

•	You may terminate the MAV rider within 30 days of any rider anniversary beginning with the seventh rider anniversary.

•	The MAV rider will terminate when you make a full surrender from the contract or when annuity payouts begin.

•	The MAV rider will terminate in the case of spousal continuation or ownership change if the new owner is age 76 or older.

If you terminate the MAV, the standard death benefit applies thereafter.

For an example, see Appendix D.

In general, if your spouse is the sole beneficiary, your spouse may choose to continue the contract as the contract owner. The contract value will be equal to the death benefit that would otherwise have been paid under the MAV. To do this your spouse must give us written instructions to keep the contract in force on the date our death claim requirements are fulfilled. If your spouse has reached age 76 at the time he or she elects to continue the contract, the MAV rider will terminate. If your spouse has not yet reached age 76 at the time he or she elects to continue the contract, he or she may choose to continue the MAV rider. In this case, the rider charges described in “Charges” will be assessed at the next contract anniversary (and all future anniversaries when the rider is in force). These charges will be based on the total contract value on the anniversary, including the additional amounts paid into the contract under the MAV rider. If your spouse has not yet reached age 76 at the time he or she elects to continue the contract and chooses not to continue the MAV rider, the contract value will be increased to the MAV death benefit amount if it is greater than the contract value on the death benefit valuation date.

MAXIMUM FIVE YEAR ANNIVERSARY VALUE DEATH BENEFIT (5-Year MAV)


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 55

additional benefit before the fifth contract anniversary after the rider effective date. The 5-Year MAV may be of less value if you are older since we stop resetting the maximum five year anniversary value at age 81. Although we stop resetting the maximum five year anniversary value at age 81, the 5-Year MAV rider charge continues to apply until the rider terminates. In addition, the 5-Year MAV does not provide any additional benefit with respect to the GPAs, regular fixed account or Special DCA fixed account values during the time you have amounts allocated to these accounts. Be sure to discuss with your financial advisor whether or not the 5-Year MAV is appropriate for your situation.

On the fifth contract anniversary after the rider effective date we set the maximum five year anniversary value equal to the highest of your (a) current contract value, or (b) total purchase payments minus adjusted partial surrenders. Thereafter, we increase the maximum anniversary value by any additional purchase payments and reduce it by adjusted partial surrenders. Every fifth contract anniversary after that, through age 80, we compare the maximum five year anniversary value to the current contract value and we reset the maximum five year anniversary value to the higher amount.

If you die before annuity payouts begin while this contract is in force, we will pay the beneficiary the greatest of:


•	contract value, less any purchase payment credits subject to reversal, less any applicable rider charges; or

•	purchase payments minus adjusted partial surrenders; or

•	the maximum five year anniversary value.

Terminating the 5-Year MAV


•	You may terminate the 5-Year MAV rider within 30 days of the first rider anniversary.

•	You may terminate the 5-Year MAV rider within 30 days of any rider anniversary beginning with the seventh rider anniversary.

•	The 5-Year MAV rider will terminate when you make a full surrender from the contract or when annuity payouts begin.

•	The 5-Year MAV rider will terminate in the case of spousal continuation or ownership change if the new owner is age 76 or older.

If you terminate the 5-Year MAV, the standard death benefit applies thereafter.

For an example, see Appendix D.

In general, if your spouse is the sole beneficiary, your spouse may choose to continue the contract as the contract owner. The contract value will be equal to the death benefit that would otherwise have been paid under the 5-Year MAV. To do this your spouse must give us written instructions to keep the contract in force on the date our death claim requirements are fulfilled. If your spouse has reached age 76 at the time he or she elects to continue the contract, the 5-Year MAV rider will terminate. If your spouse has not yet reached age 76 at the time he or she elects to continue the contract, he or she may choose to continue the 5-Year MAV rider. In this case, the rider charges described in “Charges” will be assessed at the next contract anniversary (and all future anniversaries when the rider is in force). These charges will be based on the total contract value on the anniversary, including the additional amounts paid into the contract under the 5-Year MAV rider. If your spouse has not yet reached age 76 at the time he or she elects to continue the contract and if he or she chooses not to continue the 5-Year MAV rider, the contract value will be increased to the 5-Year MAV death benefit amount if it is greater than the contract value on the death benefit valuation date.

ENHANCED EARNINGS DEATH BENEFIT (EEB)

The EEB is intended to provide an additional benefit to your beneficiary to help offset expenses after your death such as funeral expenses or federal and state taxes. This is an optional benefit that you may select for an additional annual charge (see “Charges”). The EEB provides for reduced benefits if you are age 70 or older at the rider effective date and it does not provide any additional benefit before the first rider anniversary. The EEB also may result in reduced benefits if you take RMDs (see “Taxes — Qualified Annuities — Required Minimum Distributions”) from your qualified annuity or any partial surrenders during the life of your contract, both of which may reduce contract earnings. This is because the benefit paid by the EEB is determined by the amount of earnings at death. Be sure to discuss with your financial advisor and your tax advisor whether or not the EEB is appropriate for your situation.

If this EEB rider is available in your state and you are age 75 or younger at the rider effective date, you may choose to add the EEB to your contract. Generally, you must elect the EEB at the time you purchase your contract and your rider effective date will be the contract issue date. In some instances the rider effective date for the EEB may be after we issue the contract

56 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

according to terms determined by us and at our sole discretion. You may not select this rider if you select the EEP. We reserve the right to discontinue offering the EEB for new contracts.

The EEB provides that if you die after the first rider anniversary, but before annuity payouts begin, and while this contract is in force, we will pay the beneficiary:


•	the standard death benefit amount (see “Benefits in Case of Death — Standard Benefit”), the MAV death benefit amount, if applicable, or the 5-Year MAV death benefit amount, if applicable,

PLUS


•	40% of your earnings at death if you were under age 70 on the rider effective date; or

•	15% of your earnings at death if you were age 70 or older on the rider effective date.

Additional death benefits payable under the EEB are not included in the adjusted partial surrender calculation.

Earnings at death for the EEB and EEP: If the rider effective date for the EEB or EEP is the contract issue date, earnings at death is an amount equal to:


•	the standard death benefit amount, the MAV death benefit amount, or the 5-Year MAV death benefit amount if applicable (the “death benefit amount”)

•	minus purchase payments not previously surrendered.

The earnings at death may not be less than zero and may not be more than 250% of the purchase payments not previously surrendered that are one or more years old.

If the rider effective date for the EEB is AFTER the contract issue date, earnings at death is an amount equal to the death benefit amount


•	minus the greater of:


	(a)	the contract value as of the EEB rider effective date (determined before we apply any purchase payment or purchase payment credit), less any surrenders of that contract value since that rider effective date; or


	(b)	an amount equal to the death benefit amount as of the EEB rider effective date (determined before we apply any purchase payment or purchase payment credit), less any surrenders of that death benefit amount since that rider effective date


•	plus any purchase payments made on or after the EEB rider effective date not previously surrendered.

The earnings at death may not be less than zero and may not be more than 250% multiplied by:


•	the greater of:


	(a)	the contract value as of the EEB rider effective date (determined before we apply any purchase payment or purchase payment credit), less any surrenders of that contract value since that rider effective date; or


	(b)	an amount equal to the death benefit amount as of the EEB rider effective date (determined before we apply any purchase payment or purchase payment credit), less any surrenders of that death benefit amount since that rider effective date


•	plus any purchase payments made on or after the EEB rider effective date not previously surrendered that are one or more years old.

Terminating the EEB


•	You may terminate the EEB rider within 30 days of the first rider anniversary.

•	You may terminate the EEB rider within 30 days of any rider anniversary beginning with the seventh rider anniversary.

•	The EEB rider will terminate when you make a full surrender from the contract or when annuity payouts begin.

•	The EEB rider will terminate in the case of spousal continuation or ownership change if the new owner is age 76 or older.

For an example, see Appendix D.

In general, if your spouse is the sole beneficiary and if your spouse chooses to continue the contract as the contract owner, we will pay an amount into the contract so that the contract value equals the total death benefit payable under the EEB. If your spouse is age 76 or older at the time he or she elects to continue the contract, then the EEB rider will terminate. If your spouse is less than age 76 at the time he or she elects to continue the contract, he or she may choose to continue the EEB. In this case, the following conditions will apply:


•	the EEB rider will continue, but we will treat the new contract value on the date the ownership of the contract changes to your spouse (after the additional amount is paid into the contract) as if it is a purchase payment in calculating future values of “earnings at death.”


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•	the percentages of “earnings at death” payable will be based on your spouse’s age at the time he or she elects to continue the contract.

•	the EEB rider charges described in “Charges — EEB Rider Fee” will be assessed at the next contract anniversary (and all future anniversaries when the rider is in force). These charges will be based on the total contract value on the anniversary, including the additional amounts paid into the contract under the EEB rider.

NOTE: For special tax considerations associated with the EEB, see “Taxes.”

ENHANCED EARNINGS PLUS DEATH BENEFIT (EEP)

The EEP is intended to provide an additional benefit to your beneficiary to help offset expenses after your death such as funeral expenses or federal and state taxes. This is an optional benefit that you may select for an additional annual charge (see “Charges”). The EEP provides for reduced benefits if you are age 70 or older at the rider effective date. It does not provide any additional benefit before the first rider anniversary, and it does not provide any benefit beyond what is offered under the EEB during the second rider year. The EEP also may result in reduced benefits if you take RMDs (see “Taxes — Qualified Annuities — Required Minimum Distributions”) from your qualified annuity or any partial surrenders during the life of your contract, both of which may reduce contract earnings. This is because part of the benefit paid by the EEP is determined by the amount of earnings at death. Be sure to discuss with your financial advisor and your tax advisor whether or not the EEP is appropriate for your situation.

If this EEP rider is available in your state and if you are age 75 or younger at contract issue, you may choose to add the EEP to your contract. You must elect the EEP at the time you purchase your contract and your rider effective date will be the contract issue date. This rider is only available under annuities purchased through an exchange or direct transfer from another annuity or a life insurance policy. You may not select this rider if you select the EEB. We reserve the right to discontinue offering the EEP for new contracts.

The EEP provides that if you die after the first rider anniversary, but before annuity payouts begin, and while this contract is in force, we will pay the beneficiary:


•	EEP Part I benefits, which equal the benefits payable under the EEB described above;

PLUS


•	EEP Part II benefits, which equal a percentage of exchange purchase payments identified at issue and not previously surrendered as follows:


	Percentage if you are			Percentage if you are
Rider year	under age 70 on the rider effective date			70 or older on the rider effective date

One and Two		0	%		0	%

Three and Four		10	%		3.75	%

Five or more		20	%		7.5	%

Additional death benefits payable under the EEP are not included in the adjusted partial surrender calculation.

If no exchange purchase payments have been received after 6 months, we will contact you and you will have an additional 30 days to follow-up on exchange purchase payments identified at issue but not received by us. If we have not received any exchange purchase payments after these 30 days, we will convert the EEP rider into an EEB.

Another way to describe the benefits payable under the EEP rider is as follows:


•	the standard death benefit amount (see “Benefits in Case of Death — Standard Death Benefit”), the MAV death benefit amount, or 5-Year MAV death benefit amount, if applicable,

PLUS


	If you are under age 70	If you are age 70
Rider year	on the rider effective date, add . . .	or older on the rider effective date, add . . .


One	Zero	Zero

Two	40% × earnings at death (see above)	15% × earnings at death

Three and Four	40% × (earnings at death + 25% of exchange purchase payment*)	15% × (earnings at death + 25% of exchange purchase payment*)

Five or more	40% × (earnings at death + 50% of exchange purchase payment*)	15% × (earnings at death + 50% of exchange purchase payment*)


*		Exchange purchase payments are purchase payments exchanged from another annuity or policy that are identified at issue and not previously surrendered.

We are not responsible for identifying exchange purchase payments if we did not receive proper notification from the company from which the purchase payments are exchanged.

58 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

Terminating the EEP


•	You may terminate the EEP rider within 30 days of the first rider anniversary after the rider effective date.

•	You may terminate the EEP rider within 30 days of any rider anniversary beginning with the seventh rider anniversary.

•	The EEP rider will terminate when you make a full surrender from the contract or when annuity payouts begin.

•	The EEP rider will terminate in the case of an ownership change.

•	The EEP rider will terminate in the case of the spousal continuation if the new owner is age 76 or older.

For an example, see Appendix D.

In general, if your spouse is the sole beneficiary and if your spouse chooses to continue the contract as the contract owner, we will pay an amount into the contract so that the contract value equals the total death benefit payable under the EEP. If your spouse has reached age 76 at the time he or she elects to continue the contract, the EEP rider will terminate. If your spouse has not yet reached age 76 at the time he or she elects to continue the contract, he or she cannot continue the EEP. However, he or she may choose to convert the EEP rider into an EEB. In this case, the following conditions will apply:


•	the EEB rider will treat the new contract value on the date the ownership of the contract changes to your spouse (after the additional amount is paid into the contract) as if it is a purchase payment in calculating future values of “earnings at death.”

•	the percentages of “earnings at death” payable will be based on your spouse’s age at the time he or she elects to continue the contract.

•	the EEB rider charges described in “Charges — EEB Rider Fee” will be assessed at the next contract anniversary (and all future anniversaries when the EEB rider is in force). These charges will be based on the total contract value on the anniversary, including the additional amounts paid into the contract under the EEP rider.

If your spouse chooses not to convert the EEP rider into an EEB, the standard death benefit amount (or the MAV or 5-Year MAV death benefit amount, if applicable,) will apply.

NOTE: For special tax considerations associated with the EEP, see “Taxes.”

OPTIONAL LIVING BENEFITS

SECURESOURCE FLEX RIDERS

The SecureSource Flex riders are not available for RAVA 4 Access.

This is an optional benefit that you can add to your contract for an additional charge. The benefit is intended to provide to you, after the waiting period, a specified withdrawal amount annually for life, even if your contract value is zero, subject to the terms and provisions described in this section. The SecureSource Flex rider may be appropriate for you if you intend to make periodic withdrawals from your annuity contract and wish to ensure that market performance will not adversely affect your ability to withdraw your principal over time. This benefit is intended for assets you plan to hold and let accumulate for at least three years. If you take any withdrawals during the 3-year waiting period, your benefits will be set to zero until the end of the waiting period when they will be re-established based on your contract value at that time.

There are two optional SecureSource Flex riders available under your contract:


•	SecureSource Flex — Single Life; or

•	SecureSource Flex — Joint Life.

The information in this section applies to both Secure Source Flex riders, unless otherwise noted. For the purpose of this rider, the term “withdrawal” is equal to the term “surrender” in the contract or any other riders. Withdrawals will adjust contract values and benefits in the same manner as surrenders.

The SecureSource Flex — Single Life rider covers one person. The SecureSource Flex — Joint Life Rider covers two spouses jointly who are named at contract issue. You may elect only the SecureSource Flex — Single Life rider or the SecureSource Flex — Joint Life rider, not both, and you may not switch riders later. You must elect the rider when you purchase your contract. The rider effective date will be the contract issue date.

The SecureSource Flex rider is an optional benefit that you may select, if approved in your state, for an additional annual charge if:


•	you purchase your contract on or after Sept. 14, 2009; and

•	*Single Life:* you are 80 or younger on the date the contract is issued or if an owner is a non-natural person, then the annuitant is age 80 or younger; or

•	*Joint Life:* you and your spouse are 80 or younger on the date the contract is issued.

The SecureSource Flex riders are not available under an inherited qualified annuity.


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The SecureSource Flex rider guarantees that after the waiting period, regardless of the investment performance of your contract, you will be able to withdraw up to a certain amount each year from the contract before the annuity payouts begin until:


•	*Single Life:* until death (see “At Death” heading below) or until the depletion of the basic benefit.

•	*Joint Life:* until the death of the last surviving covered spouse (see “Joint Life only: Covered Spouses” and “At Death” headings below) or until the depletion of the basic benefit.

KEY TERMS

The key terms associated with the SecureSource Flex rider are:

Annual Lifetime Payment (ALP): the lifetime benefit amount available each contract year after the waiting period and until your death (Joint Life: the death of both covered spouses) or termination of the rider. After the waiting period, the annual withdrawal amount guaranteed by the rider can vary each contract year. The maximum ALP is $300,000.

Annual Lifetime Payment Attained Age (ALPAA): the age at which the lifetime benefit is established.

Guaranteed Benefit Amount (GBA): the total cumulative withdrawals guaranteed by the rider under the basic benefit. The maximum GBA is $5,000,000. The GBA cannot be withdrawn or annuitized and is not payable as a death benefit. It is an interim value used to calculate the amount available for withdrawals each year after the waiting period under the basic benefit (see “Guaranteed Benefit Payment” below). At any time, the total GBA is the sum of the individual GBAs associated with each purchase payment.

Guaranteed Benefit Payment (GBP): the basic benefit amount available each contract year after the waiting period until the RBA is reduced to zero. After the waiting period the annual withdrawal amount guaranteed by the rider can vary each contract year.

Remaining Annual Lifetime Payment (RALP): as you make withdrawals during a contract year, the remaining amount that the rider guarantees will be available for withdrawal that year is reduced. The RALP is the lifetime benefit amount that can be withdrawn during the remainder of the current contract year.

Remaining Benefit Amount (RBA): each withdrawal you make reduces the amount that is guaranteed by the rider for future withdrawals. At any point in time, the RBA equals the amount of GBA that remains available for withdrawals for the remainder of the contract’s life, and total RBA is the sum of the individual RBAs associated with each purchase payment. The maximum RBA is $5,000,000.

Remaining Benefit Payment (RBP): as you make withdrawals during a contract year, the remaining amount that the rider guarantees will be available for withdrawal that year is reduced. The RBP is the basic benefit amount that can be withdrawn during the remainder of the current contract year.

Waiting period: the period of time before you can take a withdrawal without affecting benefits under the rider. The waiting period starts on the rider effective date and ends on the day prior to the third rider anniversary.

Withdrawal Adjustment Base (WAB): one of the components used to determine the GBP Percentage and ALP Percentage. The WAB cannot be withdrawn or annuitized and is not payable as a death benefit.

Withdrawal: the amount by which your contract value is reduced as a result of any withdrawal request. It may differ from the amount of your request due to any surrender charge and any market value adjustment.

DESCRIPTION OF THE SECURESOURCE FLEX RIDER

Before the lifetime benefit is established, the annual withdrawal amount guaranteed by the riders after the waiting period is the basic benefit amount. After the lifetime benefit is established and after the waiting period, the riders guarantee that you have the option each contract year to cumulatively withdraw an amount up to the lifetime benefit amount or the basic benefit amount, but the riders do not guarantee withdrawal of both in a contract year.

The lifetime withdrawal benefit is established automatically:


•	*Single Life:* on the rider anniversary date after the covered person reaches age 65, or on the rider effective date if the covered person is age 65 or older on the rider effective date (see “Annual Lifetime Payment Attained Age (ALPAA)” heading below);

•	*Joint Life:* on the rider anniversary date after the younger covered spouse reaches age 65, or on the rider effective date if the younger covered spouse is age 65 or older on the rider effective date (see “Annual Lifetime Payment Attained Age (ALPAA)” and “Annual Lifetime Payments (ALP)” headings below).

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The basic benefit amount and the lifetime benefit amount can vary based on the relationship of your contract value to the Withdrawal Adjustment Base (WAB). When the first withdrawal is taken each contract year after the waiting period, the percentages used to determine the benefit amounts are set and fixed for the remainder of that year.

If you withdraw less than the allowed withdrawal amount in a contract year, the unused portion cannot be carried over to the next year.

If you withdraw more than the allowed withdrawal amount in a contract year, we call this an “excess withdrawal” under the rider. Excess withdrawals trigger an adjustment of a benefit’s guaranteed amount, which may cause it to be reduced (see “GBA Excess Withdrawal Processing,” “RBA Excess Withdrawal Processing,” and “ALP Excess Withdrawal Processing” headings below).

Please note that basic benefit and lifetime benefit each has its own definition of the allowed annual withdrawal amount. Therefore a withdrawal may be considered an excess withdrawal for purposes of the lifetime benefit only, the basic benefit only, or both.

At any time after the waiting period, as long as your withdrawal does not exceed the greater of the basic benefit amount or the lifetime benefit amount, if established, you will not be assessed a surrender charge or any market value adjustment. If your withdrawals exceed the greater of the RBP or the RALP, surrender charges under the terms of the contract may apply (see “Charges — Surrender Charges”). The amount we actually deduct from your contract value will be the amount you request plus any applicable surrender charge. Market value adjustments, if applicable, will also be made (see “Guarantee Period Accounts (GPAs) — Market Value Adjustment”). We pay you the amount you request. Any withdrawals you take under the contract will reduce the value of the death benefits (see “Benefits in Case of Death”). Upon full withdrawal, you will receive the remaining contract value less any applicable charges (see “Making the Most of Your Contract — Surrenders”).

Subject to conditions and limitations, an annual step-up can increase the basic benefit amount and the lifetime benefit amount, if your contract value has increased on a rider anniversary. Any amount we pay in excess of your contract value is subject to our financial strength and claims-paying ability.

The values associated with the basic benefit are GBA, RBA, GBP and RBP. The values associated with the lifetime benefit are ALP and RALP. ALP and GBP are similar in that they are the annual withdrawal amount for each benefit after the waiting period. RALP and RBP are similar in that they are the remaining amount that can be withdrawn during the current contract year for each benefit.

IMPORTANT SECURESOURCE FLEX RIDER CONSIDERATIONS

You should consider whether a SecureSource Flex rider is appropriate for you taking into account the following considerations:


•	Lifetime Benefit Limitations: The lifetime benefit is subject to certain limitations, including but not limited to:


	(a)	*Single Life:* Once the contract value equals zero, payments are made for as long as the covered person is living (see “If Contract Value Reduces to Zero” heading below). However, if the contract value is greater than zero, the lifetime benefit terminates at the first death of any owner even if the covered person is still living (see “At Death” heading below). Therefore, if there are multiple contract owners, the lifetime benefit will terminate when one of the contract owners dies even though other contract owners are still living


		*Joint Life:* Once the contract value equals zero, payments are made for as long as either covered spouse is living (see “If Contract Value Reduces to Zero” heading below). However, if the contract value is greater than zero, the lifetime benefit terminates at the death of the last surviving covered spouse (see “At Death” heading below).

	(b)	Excess withdrawals can reduce the ALP to zero even though the GBA, RBA, GBP and/or RBP values are greater than zero. If both the ALP and the contract value are zero, the lifetime benefit will terminate.


	(c)	When the lifetime benefit is first established the initial ALP is based on the basic benefit’s RBA at that time (see “Annual Lifetime Payment (ALP)” heading below). Any withdrawal you take before the ALP is established reduces the RBA and therefore may result in a lower amount of lifetime withdrawals you are allowed to take.


	(d)	Withdrawals can reduce both the contract value and the RBA to zero prior to the establishment of the ALP. If this happens, the contract and the rider will terminate.

•

Withdrawals: Please consider carefully when you start taking withdrawals from this rider. If you take any withdrawals during the 3-year waiting period, your benefits will be set to zero until the end of the waiting period when they will be re-established based on your contract value at that time. The first withdrawal request within the 3-year waiting period must be submitted in writing. Also, after the waiting period if you withdraw more than the allowed withdrawal amount in a contract year (“excess withdrawal”), the guaranteed amounts under the rider may be reduced.


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•

Investment Allocation Restrictions: You must be invested in one of the approved investment options. This requirement limits your choice of investments. This means you will not be able to allocate contract value to all of the subaccounts, GPAs or the regular fixed account that are available under the contract to contract owners who do not elect the rider. (See “Making the Most of Your Contract — Portfolio Navigator Program and Portfolio Stabilizer Funds.”) You may allocate purchase payments to the Special DCA fixed account, when available, and we will make monthly transfers into the investment option you have chosen. You may make two elective investment option changes per contract year; we reserve the right to limit investment option changes if required to comply with the written instructions of a fund (see “Market Timing”).

You can allocate your contract value to any available investment option during the following times: (1) prior to your first withdrawal and (2) following a benefit reset due to an investment option change as described below but prior to any subsequent withdrawal. During these accumulation phases, you may request to change your investment option to any available investment option.

Immediately following a withdrawal your contract value will be reallocated to the target investment option classification as shown in your contract if your current investment option is more aggressive than the target investment option classification. If you are in the static model portfolio, this reallocation will be made to the applicable fund of funds investment option. This automatic reallocation is not included in the total number of allowed investment option changes per contract year and will not cause your rider fee to increase. The target investment option classification is currently the Moderate investment option. We reserve the right to change the target investment option classification to an investment option that is more aggressive than the Moderate investment option after 30 days written notice.

After you have taken a withdrawal and prior to any benefit reset as described below, you are in a withdrawal phase. During withdrawal phases you may request to change your investment option to the target investment option or investment option that is more conservative than the Moderate investment option without a benefit reset as described below. If you are in a withdrawal phase and you choose to allocate your contract value to an investment option that is more aggressive than the target investment option, you will be in the accumulation phase again. If this is done after the waiting period, your rider benefit will be reset as follows:


	(a)	the total GBA will be reset to the contract value, if your contract value is less; and


	(b)	the total RBA will be reset to the contract value, if your contract value is less; and


	(c)	the ALP, if established, will be reset to your current ALP Percentage (either 6% or 5% as described under “GBP Percentage and ALP Percentage” heading below) times the contract value, if this amount is less than the current ALP; and


	(d)	the GBP will be recalculated as described below, based on the reset GBA and RBA; and


	(e)	the RBP will be recalculated as the reset GBP less all prior withdrawals taken during the current contract year, but not less than zero; and


	(f)	the RALP will be recalculated as the reset ALP less all prior withdrawals taken during the current contract year, but not less than zero; and


	(g)	the WAB will be reset as follows:


	•	if the ALP has not been established, the WAB will be equal to the reset GBA.

	•	if the ALP has been established, the WAB will be equal to the reset ALP, divided by the current ALP Percentage.

You may request to change your investment option by written request on an authorized form or by another method agreed to by us.


•	Non-Cancelable: Once elected, the SecureSource Flex rider may not be cancelled (except as provided under “Rider Termination” heading below) and the fee will continue to be deducted until the contract or rider is terminated or the contract value reduces to zero (described below).

Dissolution of marriage does not terminate the SecureSource Flex — Joint Life rider and will not reduce the fee we charge for this rider. The benefit under the SecureSource Flex — Joint Life rider continues for the covered spouse who is the owner of the contract (or annuitant in the case of nonnatural ownership). The rider will terminate at the death of the contract owner (or annuitant in the case of nonnatural ownership) because the original covered spouse will be unable to elect the spousal continuation provision of the contract (see “Joint Life only: Covered Spouses” below).

•

Joint Life: Limitations on Contract Owners, Annuitants and Beneficiaries: Since the joint life benefit will terminate unless the surviving covered spouse continues the contract under the spousal option to continue the contract upon the owner’s death provision, only ownership arrangements that permit such continuation, are allowed at rider issue. In general, the covered spouses should be joint owners, or one covered spouse should be the owner and the other covered spouse should

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		be named as the sole primary beneficiary. For non-natural ownership arrangements that allow for spousal continuation one covered spouse should be the annuitant and the other covered spouse should be the sole primary beneficiary. For revocable trust ownerships, the grantor of the trust must be the annuitant and the beneficiary must either be the annuitant’s spouse or a trust that names the annuitant’s spouse as the sole primary beneficiary. You are responsible for establishing ownership arrangements that will allow for spousal continuation.

If you select the SecureSource Flex — Joint Life rider, please consider carefully whether or not you wish to change the beneficiary of your annuity contract. The rider will terminate if the surviving covered spouse cannot utilize the spousal continuation provision of the contract when the death benefit is payable.


•	Limitations on Purchase Payments: We reserve the right to limit the cumulative amount of purchase payments, subject to state restrictions. For current purchase payment restrictions, please see “Buying Your Contract — Purchase Payments”.

•	Interaction with Total Free Amount (TFA) contract provision: The TFA is the amount you are allowed to withdraw from the contract in each contract year without incurring a surrender charge (see “Charges — Surrender Charge”). The TFA may be greater than the RBP or RALP under this rider. Any amount you withdraw under the contract’s TFA provision that exceeds the RBP or RALP is subject to the excess withdrawal processing described below for the GBA, RBA and ALP. Also, any amount you withdraw during the waiting period will set all benefits under the rider to zero until the end of the waiting period when they will be reestablished based on the contract value at that time.

You should consult your tax advisor before you select this optional rider if you have any questions about the use of the rider in your tax situation because:


•	Tax Considerations for Nonqualified Annuities: Under current federal income tax law, withdrawals under nonqualified annuities, including withdrawals taken from the contract under the terms of the rider, are treated less favorably than amounts received as annuity payments under the contract (see “Taxes — Nonqualified Annuities”). Withdrawals are taxable income to the extent of earnings. Withdrawals of earnings before age 591/2 may incur a 10% IRS early withdrawal penalty. You should consult your tax advisor before you select this optional rider if you have any questions about the use of the rider in your tax situation.

•	Tax Considerations for Qualified Annuities: Qualified annuities have minimum distribution rules that govern the timing and amount of distributions from the annuity contract (see “Taxes — Qualified Annuities — Required Minimum Distributions”). If you have a qualified annuity, you may need to take an RMD during the waiting period and such withdrawals will set all benefits under the rider to zero until the end of the waiting period when they will be reestablished based on the contract value at that time. While the rider permits certain excess withdrawals to be taken after the waiting period for the purpose of satisfying RMD requirements for your contract alone without reducing future benefits guaranteed under the rider, there can be no guarantee that changes in the federal income tax law after the effective date of the rider will not require a larger RMD to be taken, in which case, future guaranteed withdrawals under the rider could be reduced. See Appendix F for additional information.

•	Limitations on TSAs: Your right to take withdrawals is restricted if your contract is a TSA (see “TSA — Special Provisions”).

•

Treatment of Non-Spousal Distributions: Unless you are married your beneficiary will be required to take distributions as a non-spouse which may result in significantly decreasing the value of the rider. Please note civil unions and domestic partnerships are not recognized as marriages for federal tax purposes. For additional information see “Taxes — Other — Spousal status” section of this prospectus.

BASIC BENEFIT DESCRIPTION

The GBA and RBA are determined at the following times, subject to the maximum amount of $5,000,000, calculated as described:


•	At contract issue — the GBA and RBA are equal to the initial purchase payment, plus any purchase payment credit.

•	When you make additional purchase payments — If a withdrawal is taken during the waiting period, the GBA and RBA will not change when a subsequent purchase payment is made during the waiting period. Prior to any withdrawal during the waiting period and after the waiting period, each additional purchase payment will have its own GBA and RBA established equal to the amount of the purchase payment, plus any purchase payment credit.

•	At step up — (see “Annual Step Up” heading below).

•	At spousal continuation — (see “Spousal Option to Continue the Contract upon Owner’s Death” heading below).

•	When an individual RBA is reduced to zero — the GBA that is associated with that RBA will also be set to zero.

•	When you take a withdrawal during the waiting period — the total GBA and total RBA will be set equal to zero until the end of the waiting period.


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•	When you take a withdrawal after the waiting period and the amount withdrawn is:


	(a)	less than or equal to the total RBP — the total RBA is reduced by the amount of the withdrawal and the GBA remains unchanged. If there have been multiple purchase payments, both the total GBA and each payment’s GBA remain unchanged, and each payment’s RBA is reduced in proportion to its RBP.


	(b)	greater than the total RBP — excess withdrawal processing will be applied to the GBA and RBA.


•	On the rider anniversary at the end of the waiting period — If the first withdrawal is taken during the waiting period and you did not decline a rider fee increase, the total GBA and the total RBA will be reset to the contract value.

If the first withdrawal is taken during the waiting period and you decline a rider fee increase, the total GBA and the total RBA will be reset to the lesser of (1) the GBA at the time of the first withdrawal, plus any additional purchase payments and any purchase payment credits since the time of the first withdrawal, minus all withdrawals, or (2) the contract value.


•	Upon certain changes to your PN program investment option — (See “Use of Portfolio Navigator Program Required,” described above).

GBA EXCESS WITHDRAWAL PROCESSING


	(a)	is the ratio of the total GBA after the withdrawal less the total RBA after the withdrawal to the total GBA before the withdrawal less the total RBA after the withdrawal; and


	(b)	is each payment’s GBA before the withdrawal less that payment’s RBA after the withdrawal.

RBA EXCESS WITHDRAWAL PROCESSING

The total RBA will automatically be reset to the lesser of (a) the contract value immediately following the withdrawal, or (b) the total RBA immediately prior to the withdrawal, less the amount of the withdrawal.

If there have been multiple purchase payments, both the total RBA and each payment’s RBA will be reset. The total RBA will be reset according to the excess withdrawal processing described above. Each payment’s RBA will be reset in the following manner:


1.	The withdrawal amount up to the total RBP is taken out of each RBA bucket in proportion to its individual RBP at the time of the withdrawal; and

2.	The withdrawal amount above the total RBP and any amount determined by the excess withdrawal processing are taken out of each RBA bucket in proportion to its RBA at the time of the withdrawal.

GBP Percentage and ALP Percentage: We use two percentages (6% and 5%) to calculate your GBP and ALP. The percentage used can vary as described below:

During the waiting period, 6% will be used to determine the amount payable to beneficiaries under the RBA payout option described below. After the waiting period, a comparison of your contract value and the WAB determines your GBP percentage and ALP percentage, unless the percentage is fixed as described below. On each valuation date, if the benefit determining percentage is less than the 20% adjustment threshold, then 6% is used in calculating your GBP and ALP; otherwise, 5% is used. Market volatility and returns and the deduction of fees could impact your benefit determining percentage. The benefit determining percentage is calculated as follows but will not be less than zero:

1 − (a/b)

a = contract value at the end of the prior valuation period

b = WAB at the end of the prior valuation period

When the first withdrawal in a contract year is taken, the GBP percentage and ALP percentage will be set and fixed for the remainder of that contract year. Beginning on the next rider anniversary, the GBP percentage and ALP percentage can change on each valuation date as described above until a withdrawal is taken in that contract year.

Under certain limited situations, your GBP percentage and ALP percentage will not vary each contract year. They will be set at the earliest of (1), (2) or (3) below and remain fixed for as long as the benefit is payable:


	(1)	when the RBA payout option is elected, or

	(2)	if the ALP is established, when your contract value on a rider anniversary is less than two times the ALP (for the purpose of this calculation only, the ALP is determined using 5%; the ALP percentage used to determine your ALP going forward will be either 6% or 5%), or

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	(3)	when the contract value reduces to zero.

For certain periods of time at our discretion and on a non-discriminatory basis, your GBP percentage and ALP percentage may be set by us to 6% if more favorable to you.

Withdrawal Adjustment Base (WAB): One of the components used to determine GBP percentage and ALP percentage. The maximum WAB is $5,000,000. The WAB cannot be withdrawn or annuitized and is not payable as a death benefit,

The WAB is determined at the following times, calculated as described:


•	At Rider Effective Date — the WAB is set equal to the initial purchase payment, plus any purchase payment credit.

•	When a subsequent purchase payment is made — before a withdrawal is taken in the waiting period and at any time after the waiting period, the WAB will be increased by the amount of each additional purchase payment, plus any purchase payment credit.

•	When a withdrawal is taken — if the first withdrawal is taken during the waiting period, the WAB will be set equal to zero until the end of the waiting period.

Whenever a withdrawal is taken after the waiting period, the WAB will be reduced by the amount in (A) unless the withdrawal is an excess withdrawal for the lifetime benefit (or the basic benefit if the ALP is not established) when it will be set equal to the amount in (B).


	(A)	The WAB is reduced by an amount as calculated below:


a × b c		where:

a = the amount the contract value is reduced by the withdrawal

b = WAB on the date of (but prior to) the withdrawal

c = the contract value on the date of (but prior to) the withdrawal.


	(B)	If the ALP is not established and the current withdrawal exceeds the RBP, the WAB will be reset to the GBA immediately following excess withdrawal processing.

		If the ALP is established and the current withdrawal exceeds the RALP, the WAB will be reset to the ALP divided by the current ALP percentage (either 5% or 6% as described under “GBP Percentage and ALP Percentage” heading above). In this calculation, we use the ALP immediately following excess withdrawal processing.


•	On rider anniversaries — unless you decline a rider fee increase, the WAB will be increased to the contract value on each rider anniversary, if the contract value is greater, except as follows:


	(A)	If a withdrawal is taken during the waiting period, the WAB will be increased to the contract value on each rider anniversary beginning at the end of the waiting period, if the contract value is greater.


	(B)	If you decline a rider fee increase and a withdrawal is taken during the waiting period, on the third anniversary the WAB will be reset to the lesser of (1) the GBA at the time of the first withdrawal, plus any additional purchase payments and any purchase payment credits since the time of the first withdrawal, minus all withdrawals, or (2) the contract value.


•	Upon certain changes to your PN program investment option — (See “Use of Portfolio Navigator Program Required,” described above).

Guaranteed Benefit Payment (GBP): At any time, the amount available for withdrawal in each contract year after the waiting period, until the RBA is reduced to zero, under the basic benefit. After the waiting period the annual withdrawal amount guaranteed under the rider can vary each contract year. At any point in time, each payment’s GBP is the lesser of (a) and (b) where (a) is the GBA for that payment multiplied by the current GBP percentage (either 5% or 6% as described under “GBP Percentage and ALP Percentage” heading above) and (b) is the RBA for that payment. The total GBP is the sum of the GBPs for each purchase payment.

Remaining Benefit Payment (RBP): The amount available for withdrawal for the remainder of the contract year under the basic benefit. At any point in time, the total RBP is the sum of the RBPs for each purchase payment.

The RBP is determined at the following times, calculated as described:


•	During the waiting period — the RBP will be zero.

•	At the beginning of any contract year after the waiting period and when the GBP percentage changes — the RBP for each purchase payment is set equal to that purchase payment’s GBP.

•	When you make additional purchase payments after the waiting period — each additional purchase payment has its own RBP equal to the purchase payment, plus any purchase payment credit, multiplied by the GBP percentage.


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•	At step up — (see “Annual Step Up” heading below).

•	At spousal continuation — (see “Spousal Option to Continue the Contract upon Owner’s Death” heading below).

•	When you make any withdrawal after the waiting period — the total RBP is reset to equal the total RBP immediately prior to the withdrawal less the amount of the withdrawal, but not less than zero. If there have been multiple purchase payments, each payment’s RBP is reduced proportionately. If you withdraw an amount greater than the RBP, GBA excess withdrawal processing and RBA excess withdrawal processing are applied and the amount available for future withdrawals for the remainder of the contract’s life may be reduced by more than the amount of withdrawal. When determining if a withdrawal will result in the excess withdrawal processing, the applicable RBP will not yet reflect the amount of the current withdrawal.

LIFETIME BENEFIT DESCRIPTION

Single Life only: Covered Person: The person whose life is used to determine when the ALP is established, and the duration of the ALP payments (see “Annual Lifetime Payment (ALP)” heading below). The covered person is the oldest contract owner. If any owner is a nonnatural person, i.e., a trust or corporation, the covered person is the oldest annuitant.

Joint Life only: Covered Spouses: The contract owner and his or her legally married spouse as defined under federal law, as named on the application for as long as the marriage is valid and in effect. If any contract owner is a nonnatural person (e.g., a trust), the covered spouses are the annuitant and the legally married spouse of the annuitant. The covered spouses lives are used to determine when the ALP is established, and the duration of the ALP payments (see “Annual Lifetime Payment (ALP)” heading below). The covered spouses are established on the rider effective date and cannot be changed.

Annual Lifetime Payment Attained Age (ALPAA):


•	*Single Life:* The covered person’s age after which time the lifetime benefit can be established. Currently, the lifetime benefit can be established on the later of the contract effective date or the contract anniversary date on/following the date the covered person reaches age 65.

•	*Joint Life:* The age of the younger covered spouse at which time the lifetime benefit is established.

Annual Lifetime Payment (ALP): The ALP is the lifetime benefit amount available for withdrawals in each contract year after the waiting period until the later of:


•	*Single Life:* death; or

•	*Joint Life:* death of the last surviving covered spouse; or

•	the RBA is reduced to zero.

The maximum ALP is $300,000. Prior to establishment of the ALP, the lifetime benefit is not in effect and the ALP is zero.

The ALP is determined at the following times:


•	*Single Life:* Initially the ALP is established on the earliest of the following dates:


	(a)	the rider effective date if the covered person has already reached age 65,


	(b)	the rider anniversary following the date the covered person reaches age 65,


	–	if during the waiting period and no prior withdrawal has been taken; or

	–	if after the waiting period.


	(c)	the rider anniversary following the end of the waiting period if the covered person is age 65 before the end of the waiting period and a prior withdrawal had been taken.

The ALP is established as the total RBA multiplied by the ALP percentage (either 5% or 6% as described under “GBP Percentage and ALP Percentage” heading above).


•	*Joint Life:* Initially the ALP is established on the earliest of the following dates:


	(a)	the rider effective date if the younger covered spouse has already reached age 65.


	(b)	the rider anniversary on/following the date the younger covered spouse reaches age 65.


	(c)	upon the first death of a covered spouse, then


	(1)	the date we receive written request when the death benefit is not payable and the surviving covered spouse has already reached age 65; or

	(2)	the date spousal continuation is effective when the death benefit is payable and the surviving covered spouse has already reached age 65; or

	(3)	the rider anniversary on/following the date the surviving covered spouse reaches age 65.

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	(d)	Following dissolution of marriage of the covered spouses,


	(1)	the date we receive written request if the remaining covered spouse who is the owner (or annuitant in the case of nonnatural ownership) has already reached age 65; or

	(2)	the rider anniversary on/following the date the remaining covered spouse who is the owner (or annuitant in the case of nonnatural ownership) reaches age 65.

For (b), (c) and (d) above, if the date described occurs during the waiting period and a prior withdrawal had been taken, we use the rider anniversary following the end of the waiting period to establish the ALP.

The ALP is established as the total RBA multiplied by the ALP percentage (either 5% or 6% as described under “GBP Percentage and ALP Percentage” heading above).


•	Whenever the ALP Percentage changes —


	(a)	If the ALP percentage is changing from 6% to 5%, the ALP is reset to the ALP multiplied by 5%, divided by 6%.


	(b)	If the ALP percentage is changing from 5% to 6%, the ALP is reset to the ALP multiplied by 6%, divided by 5%.


•	When you make an additional purchase payment — Before a withdrawal is taken in the waiting period and at any time after the waiting period, each additional purchase payment increases the ALP by the amount of the purchase payment, plus any purchase payment credit, multiplied by the ALP percentage.

•	When you make a withdrawal:


	(a)	During the waiting period, the ALP, if established, will be set equal to zero until the end of the waiting period.


	(b)	After the waiting period, if the amount withdrawn is:

(i) less than or equal to the RALP, the ALP is unchanged.

(ii) greater than the RALP, ALP excess withdrawal processing will occur.

If you withdraw less than the ALP in a contract year, there is no carry over to the next contract year.


•	On the rider anniversary at the end of the waiting period — If you took a withdrawal during the waiting period, the ALP is set equal to the contract value multiplied by the ALP percentage if the covered person (*Joint Life:* younger covered spouse) has reached age 65.

•	At step ups — (see “Annual Step Up” heading below).

•	At spousal continuation — (see “Spousal Option to Continue the Contract upon Owner’s Death” heading below).

•	Upon certain changes to your PN program investment option — (see “Use of Portfolio Navigator Program Required,” heading above).

ALP EXCESS WITHDRAWAL PROCESSING

The ALP is reset to the lesser of the ALP immediately prior to the withdrawal, or the ALP Percentage (either 5% or 6% as described under “GBP Percentage and ALP Percentage” heading above) multiplied by the contract value immediately following the withdrawal.

Remaining Annual Lifetime Payment (RALP): The amount available for withdrawal for the remainder of the contract year under the lifetime benefit. Prior to establishment of the ALP, the lifetime benefit is not in effect and the RALP is zero.

The RALP is determined at the following times:


•	The RALP is established at the same time as the ALP, and:


	(a)	During the waiting period — the RALP will be zero.


	(b)	At any other time — the RALP is established equal to the ALP less all prior withdrawals taken in the contract year but not less than zero.


•	At the beginning of each contract year after the waiting period and when the ALP percentage changes — the RALP is set equal to the ALP.

•	When you make additional purchase payments after the waiting period — each additional purchase payment increases the RALP by the purchase payment, plus any purchase payment credit, multiplied by the ALP percentage (either 5% or 6% as described under “GBP Percentage and ALP Percentage” heading above).

•	At step ups — (see “Annual Step Up” headings below).

•	At spousal continuation — (see “Spousal Option to Continue the Contract upon Owner’s Death” heading below).

•	When you make any withdrawal after the waiting period — the RALP equals the RALP immediately prior to the withdrawal less the amount of the withdrawal but not less than zero. If you withdraw an amount greater than the RALP, ALP excess withdrawal processing is applied and may reduce the amount available for future withdrawals. When determining if a


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	withdrawal will result in excess withdrawal processing, the applicable RALP will not yet reflect the amount of the current withdrawal.

OTHER PROVISIONS

Required Minimum Distributions (RMD): If you are taking RMDs from your contract and your RMD calculated separately for your contract is greater than the RBP or the RALP on the most recent contract anniversary, the portion of your RMD that exceeds the benefit amount will not be subject to excess withdrawal processing provided that the following conditions are met:


•	The withdrawal is after the waiting period;

•	The RMD is for your contract alone;

•	The RMD is based on your recalculated life expectancy taken from the Uniform Lifetime Table under the Code; and

•	The RMD amount is otherwise based on the requirements of section 401(a) (9), related Code provisions and regulations thereunder that were in effect on the effective date of the rider.

RMD rules follow the calendar year which most likely does not coincide with your contract year and therefore may limit when you can take your RMD and not be subject to excess withdrawal processing. Any withdrawal during the waiting period will reset the basic benefit and lifetime benefit at the end of the waiting period. After the waiting period, withdrawal amounts greater than the RALP or RBP that do not meet the conditions above will result in excess withdrawal processing. The amount in excess of the RBP and/or RALP that is not subject to excess withdrawal processing will be recalculated if the RALP and RBP change due to GBP Percentage and ALP percentage changes. See Appendix F for additional information.

Annual Step Up: Beginning with the first contract anniversary, an increase of the benefit values may be available. A step up does not create contract value, guarantee the performance of any investment option, or provide a benefit that can be withdrawn in a lump sum or paid upon death. Rather, a step up determines the current values of the GBA, RBA, GBP, RBP, ALP and RALP, and may extend the payment period or increase the allowable payment. If there have been multiple payments and the GBA increases due to the step up, the individual GBAs, RBAs, GBPs, and RBPs will be combined.

The annual step up may be available as described below, subject to the maximum GBA, RBA and ALP and subject to the following rules:


•	You have not declined a rider fee increase.

•	If you take any withdrawals during the waiting period the annual step up will not be available until the rider anniversary following the end of the waiting period.

•	On any rider anniversary where your contract value is greater than the RBA or, your contract value multiplied by the ALP Percentage (either 5% or 6% as described under “GBP Percentage and ALP Percentage” heading above) is greater than the ALP, if established, the annual step up will be applied to your contract on the rider anniversary.

•	The ALP and RALP are not eligible for step ups until they are established. Prior to being established, the ALP and RALP values are both zero.

•	Please note it is possible for the ALP to step up even if the RBA or GBA do not step up, and it is also possible for the RBA and GBA to step up even if the ALP does not step up.

The annual step up resets the GBA, RBA, GBP, RBP, ALP and RALP values as follows:


•	The total RBA will be increased to the contract value on the rider anniversary, if the contract value is greater.

•	The total GBA will be increased to the contract value on the rider anniversary, if the contract value is greater.

•	The total GBP will be reset using the calculation as described above based on the increased GBA and RBA.

•	The total RBP will be reset as follows:


	(a)	During the waiting period, the RBP will not be affected by the step up.


	(b)	After the waiting period, the RBP will be reset to the increased GBP.


•	The ALP will be increased to the contract value on the rider anniversary multiplied by the ALP percentage (either 5% or 6% as described under “GBP Percentage and ALP Percentage” heading above), if greater than the current ALP.

•	The RALP will be reset as follows:


	(a)	During the waiting period, the RALP will not be affected by the step up.


	(b)	After the waiting period, the RALP will be reset to the increased ALP.

Spousal Option to Continue the Contract upon Owner’s Death (“spousal continuation”):

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Joint Life: If a surviving spouse is a covered spouse and elects the spousal continuation provision of the contract as the new owner, the SecureSource Flex — Joint Life rider also continues. The surviving covered spouse can name a new beneficiary; however, a new covered spouse cannot be added to the rider.

At the time of spousal continuation, a step-up may be available. If you decline a rider fee increase or the spousal continuation occurs during the waiting period and a withdrawal was taken, a step up is not available. All annual step-up rules (see “Annual Step-Up” heading above) also apply to the spousal continuation step-up except that a) the RBP will be calculated as the GBP after the step-up less all prior withdrawals taken during the current contract year, but not less than zero, and b) the RALP will be calculated as the ALP after the step-up less all prior withdrawals taken during the current contract year, but not less than zero. The spousal continuation step-up is processed on the valuation date spousal continuation is effective.

Rules for Withdrawal Provision of Your Contract: Minimum account values following a withdrawal no longer apply to your contract. For withdrawals, the withdrawal will be taken from the variable subaccounts and the regular fixed account (if applicable) in the same proportion as your interest in each bears to the contract value less amounts in any Special DCA fixed account. You cannot specify from which accounts the withdrawal is to be taken.

If Contract Value Reduces to Zero: If the contract value reduces to zero, you will be paid in the following scenarios:


1)	The ALP has not yet been established, the total RBA is greater than zero and the contract value is reduced to zero as a result of fees or charges or a withdrawal that is less than or equal to the RBP. In this scenario, you can choose to:


	(a)	receive the remaining schedule of GBPs until the RBA equals zero; or


	(b)	*Single Life:* wait until the rider anniversary following the date the covered person reaches age 65, and then receive the ALP annually until the latter of (i) the death of the covered person, or (ii) the RBA is reduced to zero.

		*Joint Life:* wait until the rider anniversary following the date the younger covered spouse reaches age 65, and then receive the ALP annually until the latter of (i) the death of the last surviving covered spouse, or (ii) the RBA is reduced to zero.

We will notify you of this option. If no election is made, the ALP will be paid.


2)	The ALP has been established, the total RBA is greater than zero and the contract value reduces to zero as a result of fees or charges, or a withdrawal that is less than or equal to both the RBP and the RALP. In this scenario, you can choose to receive:


	(a)	the remaining schedule of GBPs until the RBA equals zero; or


	(b)	*Single Life:* the ALP annually until the latter of (i) the death of the covered person, or (ii) the RBA is reduced to zero.

		*Joint Life:* the ALP annually until the latter of (i) the death of the last surviving covered spouse, or (ii) the RBA is reduced to zero.

We will notify you of this option. If no election is made, the ALP will be paid.


3)	The ALP has been established and the contract value falls to zero as a result of a withdrawal that is greater than the RALP but less than or equal to the RBP. In this scenario, the remaining schedule of GBPs will be paid until the RBA equals zero.

4)	The ALP has been established and the contract value falls to zero as a result of a withdrawal that is greater than the RBP but less than or equal to the RALP. In this scenario, the ALP will be paid annually until the death of the:


•	*Single Life:* covered person;

•	*Joint Life:* last surviving covered spouse.

Under any of these scenarios:


•	The annualized amounts will be paid to you in monthly installments. If the monthly payment is less than $100, we have the right to change the frequency but no less frequent than annually;

•	We will no longer accept additional purchase payments;

•	You will no longer be charged for the rider;

•	Any attached death benefit riders will terminate;

•	In determining the remaining schedule of GBPs, the current GBP is fixed for as long as payments are made.

•	*Single Life:* The death benefit becomes the remaining payments, if any, until the RBA is reduced to zero; and

•	*Joint Life:* If the owner had been receiving the ALP, upon the first death the ALP will continue to be paid annually until the later of: 1) the death of the last surviving covered spouse or 2) the RBA is reduced to zero. In all other situations the death benefit becomes the remaining payments, if any, until the RBA is reduced to zero.


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The SecureSource Flex rider and the contract will terminate under either of the following two scenarios:


•	If the ALP is established and the RBA is zero, and if the contract value falls to zero as a result of a withdrawal that is greater than the RALP. This is full withdrawal of the contract value.

•	If the ALP is not established and the RBA is zero, and if the contract value falls to zero as a result of fees, charges or a withdrawal.

At Death:

Single Life: If the contract is jointly owned and an owner dies when the contract value is greater than zero, the lifetime benefit for the covered person will cease even if the covered person is still living.

If the contract value is greater than zero when the death benefit becomes payable, the beneficiary may: 1) elect to take the death benefit under the terms of the contract, 2) take the RBA payout option available under this rider, or 3) continue the contract under the spousal continuation provision of the contract which terminates the rider.

If the contract value equals zero and the death benefit becomes payable, the following will occur:


•	If the RBA is greater than zero and the owner has been receiving the GBP each year, the GBP will continue to be paid to the beneficiary until the RBA equals zero.

•	If the covered person dies and the RBA is greater than zero and the owner has been receiving the ALP each year, the ALP will continue to be paid to the beneficiary until the RBA equals zero.

•	If the covered person is still alive and the RBA is greater than zero and the owner has been receiving the ALP each year, the ALP will continue to be paid to the beneficiary until the later of the death of the covered person or the RBA equals zero.

•	If the covered person is still alive and the RBA equals zero and the owner has been receiving the ALP each year, the ALP will continue to be paid to the beneficiary until the death of the covered person.

•	If the covered person dies and the RBA equals zero, the benefit terminates. No further payments will be made.

Joint Life: If the death benefit becomes payable at the death of a covered spouse, the surviving covered spouse must utilize the spousal continuation provision of the contract and continue the contract as the new owner to continue the joint benefit. If spousal continuation is not available under the terms of the contract, the rider terminates. The lifetime benefit of this rider ends at the death of the last surviving covered spouse.

If the contract value equals zero at the first death of a covered spouse, the ALP will continue to be paid annually until the later of: 1) the death of the last surviving covered spouse or 2) the RBA is reduced to zero.

If the contract value equals zero at the death of the last surviving covered spouse, the following will occur:


•	If the RBA is greater than zero and the owner has been receiving the GBP each year, the GBP will continue to be paid to the beneficiary until the RBA equals zero.

•	If the RBA is greater than zero and the owner has been receiving the ALP each year, the ALP will continue to be paid to the beneficiary until the RBA equals zero.

•	If the RBA equals zero, the benefit terminates. No further payments will be made.

Contract Ownership Change:

Single Life: If allowed by state law, change of ownership is subject to our approval. If there is a change of ownership and the covered person remains the same, the rider continues with no change to any of the rider benefits. If there is a change of ownership and the covered person would be different, the rider terminates.

Joint Life: Ownership changes are only allowed between the covered spouses or their revocable trust(s) and are subject to our approval, if allowed by state law. No other ownership changes are allowed as long as the rider is in force.

Remaining Benefit Amount (RBA) Payout Option: Several annuity payout plans are available under the contract. As an alternative to these annuity payout plans, a fixed annuity payout option is available under the SecureSource Flex rider after the waiting period.

Under this option the amount payable each year will be equal to the remaining schedule of GBPs, but the total amount paid will not exceed the current total RBA at the time you begin this fixed annuity payout option. These annualized amounts will be paid in monthly installments. If the monthly payment is less than $100, we have the right to change the frequency, but no less frequently than annually. If, at the death of the owner, total payouts have been made for less than the RBA, the remaining payouts will be paid to the beneficiary (see “The Annuity Payout Period” and “Taxes”).

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This option may not be available if the contract is issued to qualify under section 403 or 408 of the Code, as amended. For such contracts, this option will be available only if the guaranteed payment period is less than the life expectancy of the owner at the time the option becomes effective. Such life expectancy will be computed using a life expectancy table published by the IRS.

This annuity payout option may also be elected by the beneficiary when the death benefit is payable. Whenever multiple beneficiaries are designated under the contract, each such beneficiary’s share of the proceeds if they elect this option will be in proportion to their applicable designated beneficiary percentage. Beneficiaries of nonqualified contracts may elect this settlement option subject to the distribution requirements of the contract. We reserve the right to adjust the remaining schedule of GBPs if necessary to comply with the Code.

RIDER TERMINATION

The SecureSource Flex rider cannot be terminated either by you or us except as follows:


1.	*Single Life:* a change of ownership that would result in a different covered person will terminate the rider.

2.	*Single Life:* After the death benefit is payable, continuation of the contract will terminate the rider.

3.	*Joint Life:* After the death benefit is payable the rider will terminate if:


(a)	any one other than a covered spouse continues the contract, or

(b)	a covered spouse does not use the spousal continuation provision of the contract to continue the contract.


4.	Annuity payouts under an annuity payout plan will terminate the rider.

5.	You may terminate the rider if your annual rider fee after any fee increase is more than 0.25% higher than your fee before the increase (See “Charges — SecureSource Flex rider fee”).

6.	When the RBA and contract value are zero and either the ALP is not established or an excess withdrawal of the RALP is taken, the rider will terminate.

7.	Termination of the contract for any reason will terminate the rider.

GUARANTEED MINIMUM ACCUMULATION BENEFIT (ACCUMULATION BENEFIT) RIDER

The Accumulation Benefit rider is not available for RAVA 4 Access. This rider is not available for contracts purchased on or after Feb. 27, 2012.

The Accumulation Benefit rider is an optional benefit that you may select for an additional charge. Currently, it is available for nonqualified annuities and qualified annuities. Effective on or about June 20, 2011, the Accumulation Benefit rider will be available under 401(a) plans. The Accumulation Benefit rider specifies a waiting period that ends on the benefit date. The Accumulation Benefit rider provides a one-time adjustment to your contract value on the benefit date if your contract value is less than the Minimum Contract Accumulation Value (defined below) on that benefit date. On the benefit date, if the contract value is equal to or greater than the Minimum Contract Accumulation Value, as determined under the Accumulation Benefit rider, the Accumulation Benefit rider ends without value and no benefit is payable.

If you are (or if the owner is a non-natural person, then the annuitant is) 80 or younger at contract issue and this rider is available in your state, you may elect the Accumulation Benefit rider at the time you purchase your contract and the rider effective date will be the contract issue date. The Accumulation Benefit rider may not be terminated once you have elected it except as described in the “Terminating the Rider” section below. An additional charge for the Accumulation Benefit rider will be assessed annually during the waiting period. The rider ends when the waiting period expires and no further benefit will be payable and no further charges for the rider will be deducted. After the waiting period, you have the following options:


	•	Continue your contract;

	•	Take partial surrenders or make a full surrender; or

	•	Annuitize your contract.

The Accumulation Benefit rider may not be purchased with the optional GWB for Life rider or SecureSource rider.

You should consider whether an Accumulation Benefit rider is appropriate for you because:


•	you must be invested in one of the approved investment options. This requirement limits your choice of Investments. This means you will not be able to allocate contract value to all of the subaccounts, GPAs or the regular fixed account that are


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available under the contract to other contract owners who do not elect this rider. You may allocate qualifying purchase payments and applicable purchase payment credits to the Special DCA fixed account, when available (see “The Special DCA Fixed Account”), and we will make monthly transfers into the investment option you have chosen. (See “Making the Most of Your Contract — Portfolio Navigator Program and Portfolio Stabilizer Funds”);


•	you may not make additional purchase payments to your contract during the waiting period after the first 180 days immediately following the effective date of the Accumulation Benefit rider. Some exceptions apply (see “Additional Purchase Payments with Elective Step Up” below);

•	if you purchase this contract as a qualified annuity, for example, an IRA, you may need to take partial surrenders from your contract to satisfy the RMDs under the Code. Partial surrenders, including those used to satisfy RMDs, will reduce any potential benefit that the Accumulation Benefit rider provides. You should consult your tax advisor if you have any questions about the use of this rider in your tax situation;

•	if you think you may surrender all of your contract value before you have held your contract with this benefit rider attached for 10 years, or you are considering selecting an annuity payout option within 10 years of the effective date of your contract, you should consider whether this optional benefit is right for you. You must hold the contract a minimum of 10 years from the effective date of the Accumulation Benefit rider, which is the length of the waiting period under the Accumulation Benefit rider, in order to receive the benefit, if any, provided by the Accumulation Benefit rider. In some cases, as described below, you may need to hold the contract longer than 10 years in order to qualify for any benefit the Accumulation Benefit rider may provide;

•	the 10 year waiting period under the Accumulation Benefit rider will restart if you exercise the elective step-up option (described below) or your surviving spouse exercises the spousal continuation elective step-up (described below); and

•	the 10 year waiting period under the Accumulation Benefit rider may be restarted if you elect to change your PN program investment option to one that causes the Accumulation Benefit rider charge to increase (see “Charges”).

Be sure to discuss with your financial advisor whether an Accumulation Benefit rider is appropriate for your situation.

Here are some general terms that are used to describe the operation of the Accumulation Benefit:

Benefit Date: This is the first valuation date immediately following the expiration of the waiting period.

Adjustments for Partial Surrenders: The adjustment made for each partial surrender from the contract is equal to the amount derived from multiplying (a) and (b) where:


	(a)	is 1 minus the ratio of the contract value on the date of (but immediately after) the partial surrender to the contract value on the date of (but immediately prior to) the partial surrender; and


	(b)	is the MCAV on the date of (but immediately prior to) the partial surrender.

Waiting Period: The waiting period for the rider is 10 years.

We reserve the right to restart the waiting period on the latest contract anniversary if you change your investment option after we have exercised our rights to increase the rider fee.

Automatic Step Up

On each contract anniversary after the effective date of the rider, the MCAV will be set to the greater of:


1.	80% of the contract value on the contract anniversary; or

2.	the MCAV immediately prior to the automatic step up.

The automatic step up does not create contract value, guarantee the performance of any investment option, or provide a benefit that can be surrendered or paid upon death. Rather, the automatic step up is an interim calculation used to arrive at the final MCAV, which is used to determine whether a benefit will be paid under the rider on the benefit date.

The automatic step up of the MCAV does not restart the waiting period or increase the fee (although the total fee for the rider may increase).

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Elective Step Up Option

The elective step up option is not available to non-spouse beneficiaries that continue the contract during the waiting period.

Additional Purchase Payments with Annual Elective Step Ups

Spousal Continuation

If a spouse chooses to continue the contract under the spousal continuation provision, the rider will continue as part of the contract. Once, within the thirty days following the date of spousal continuation, the spouse may choose to exercise an elective step up. The spousal continuation elective step up is in addition to the annual elective step up. If the contract value on the valuation date we receive the written request to exercise this option is greater than the MCAV on that date, we will increase the MCAV to that contract value. If the MCAV is increased as a result of the elective step up and we have increased the fee for the Accumulation Benefit rider, the spouse will pay the charge based on the fee that is in effect on the valuation date we receive their written request to step up for the entire contract year. In addition, the waiting period will restart as of the most recent contract anniversary.

Terminating the Rider

The rider will terminate under the following conditions:


•	The rider will terminate before the benefit date without paying a benefit on the date:

•	you take a full surrender; or

•	annuitization begins; or

•	the contract terminates as a result of the death benefit being paid.

The rider will terminate on the benefit date.

For an example, see Appendix E.

OPTIONAL LIVING BENEFITS — Previously Offered

GUARANTOR WITHDRAWAL BENEFIT FOR LIFE (GWB FOR LIFE) RIDER

Disclosure for GWB for Life rider may be found in the Appendix G.

SECURESOURCE RIDERS

Disclosure for SecureSource riders may be found in the Appendix H.

The Annuity Payout Period


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annuitization of your annuity contract, see “Taxes — Nonqualified Annuities — Annuity payouts” and “Taxes — Qualified Annuities — Annuity payouts.” During the annuity payout period, you cannot invest in more than five subaccounts at any one time unless we agree otherwise.

Amounts of fixed and variable payouts depend on:


•	the annuity payout plan you select;

•	the annuitant’s age and, in most cases, sex;

•	the annuity table in the contract; and

•	the amounts you allocated to the accounts at settlement.

For information with respect to transfers between accounts after annuity payouts begin, see “Making the Most of Your Contract — Transfer policies.”

ANNUITY TABLES

Table A shows the amount of the first variable payout assuming that the contract value is invested at the beginning of the annuity payout period and earns a 5% rate of return, which is reinvested and helps to support future payouts. If you ask us at least 30 days before the settlement date, we will substitute an annuity table based on an assumed 3.5% investment return for the 5% Table A in the contract. The assumed investment return affects both the amount of the first payout and the extent to which subsequent payouts increase or decrease. For example, annuity payouts will increase if the investment return is above the assumed investment return and payouts will decrease if the return is below the assumed investment return. Using the 5% assumed investment return results in a higher initial payout but later payouts will increase more slowly when annuity unit values rise and decrease more rapidly when they decline.

ANNUITY PAYOUT PLANS

You may choose any one of these annuity payout plans by giving us written instructions at least 30 days before contract value is used to purchase the payout plan:


•	Plan A: Life annuity — no refund: We make monthly payouts until the annuitant’s death. Payouts end with the last payout before the annuitant’s death. We will not make any further payouts. This means that if the annuitant dies after we made only one monthly payout, we will not make any more payouts.

•	Plan B: Life annuity with five, ten, 15, or 20 years certain: We make monthly payouts for a guaranteed payout period of five, ten, 15, or 20 years that you elect. This election will determine the length of the payout period to the beneficiary if the annuitant should die before the elected period expires. We calculate the guaranteed payout period from the settlement date. If the annuitant outlives the elected guaranteed payout period, we will continue to make payouts until the annuitant’s death.

•	Plan C: Life annuity — installment refund: We make monthly payouts until the annuitant’s death, with our guarantee that payouts will continue for some period of time. We will make payouts for at least the number of months determined by dividing the amount applied under this option by the first monthly payout, whether or not the annuitant is living.

•	Plan D: Joint and last survivor life annuity — no refund: We make monthly payouts while both the annuitant and a joint annuitant are living. If either annuitant dies, we will continue to make monthly payouts at the full amount until the death of the surviving owner. Payouts end with the death of the second annuitant.

•	Plan E: Payouts for a specified period: We make monthly payouts for a specific payout period of ten to 30 years that you elect. We will make payouts only for the number of years specified whether the annuitant is living or not. Depending on the selected time period, it is foreseeable that the annuitant can outlive the payout period selected. During the payout period, you can elect to have us determine the present value of any remaining variable payouts and pay it to you in a lump sum. We determine the present value of the remaining annuity payouts which are assumed to remain level at the amount of the payout that would have been made 7 days prior to the date we determine the present value. The discount rate we use in the

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	calculations 5.17% for the assumed investment return of 3.5% and 6.67% for the assumed investment return of 5.0%. (See “Charges — Surrender charge under Annuity Payout Plan E.”) A 10% IRS penalty tax could apply to the taxable portion if you take a surrender. (See “Taxes.”)

•

RBA Payout Option: If you have a GWB for Life or SecureSource rider under your contract, you may elect the Withdrawal Benefit RBA payout option as an alternative to the above annuity payout plans. This option may not be available if the contract is issued to qualify under Sections 403 or 408 of the Code. For such contracts, this option will be available only if the guaranteed payment period is less than the life expectancy of the owner at the time the option becomes effective. Such life expectancy will be computed using life expectancy tables published by IRS. Under this option, the amount payable each year will be equal to the remaining schedule of GBPs, but the total amount paid over the life of the annuity will not exceed the total RBA at the time you begin this fixed payout option (see “Optional Benefits”). These annualized amounts will be paid in the frequency that you elect. The frequencies will be among those offered by us at the time but will be no less frequent than annually. If, at the death of the owner, total payouts have been made for less than the RBA, the remaining payouts will be paid to the beneficiary.


•	in equal or substantially equal payments over a period not longer than your life expectancy or over the joint life expectancy of you and your designated beneficiary; or

•	over a period certain not longer than your life expectancy or over the life expectancy of you and your designated beneficiary.

Written instructions: You must give us written instructions for the annuity payouts at least 30 days before the settlement date. Contract values that you allocated to the regular fixed account will provide fixed dollar payouts and contract values that you allocated among the subaccounts will provide variable annuity payouts.

Death after annuity payouts begin: If you die after annuity payouts begin, we will pay any amount payable to the beneficiary as provided in the annuity payout plan in effect.

Taxes

NONQUALIFIED ANNUITIES


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received as an annuity for a period of 10 years or more, or for the lives of one or more individuals. If this requirement is met, the annuitized portion and the tax-deferred balance will generally be treated as two separate contracts for income tax purposes only. If a contract is partially annuitized, the investment in the contract is allocated between the deferred and the annuitized portions on a pro rata basis.

You also may have to pay a 10% IRS penalty for surrenders of taxable income you make before reaching age 591/2 unless certain exceptions apply.

Withholding: If you receive taxable income as a result of an annuity payout or surrender, including surrenders under any optional withdrawal benefit rider, we may deduct federal, and in some cases state withholding against the payment. Any withholding represents a prepayment of your tax due income for the year. You take credit for these amounts on your annual income tax return. As long as you have provided us with a valid Social Security Number or Taxpayer Identification Number, and you have a valid U.S. address, you may be able to elect not to have any withholding occur.

The federal income tax withholding requirements differ if we deliver payment outside the United States or you are a non-resident alien.

Net Investment Income tax (also known as Medicare contribution tax): Effective for taxable years beginning on or after January 1, 2013, certain high-income individuals (as well as estates and trusts) are subject to a new 3.8% net investment income tax (as an addition to income taxes). For individuals, the 3.8% tax applies to the lesser of (1) the amount by which the taxpayer’s modified adjusted gross income exceeds $200,000 ($250,000 for married filing jointly and surviving spouses; $125,000 for married filing separately) or (2) the taxpayer’s “net investment income.” Net investment income includes taxable income from nonqualified annuities. Annuity holders are advised to consult their tax advisor regarding the possible implications of this additional tax.


•	because of your death or in the event of nonnatural ownership, the death of the annuitant;

•	because you become disabled (as defined in the Code);

•	if the distribution is part of a series of substantially equal periodic payments, made at least annually, over your life or life expectancy (or joint lives or life expectancies of you and your beneficiary);

•	if it is allocable to an investment before Aug. 14, 1982; or

•	if annuity payouts are made under immediate annuities as defined by the Code.

Transfer of ownership: Generally, if you transfer ownership of a nonqualified annuity without receiving adequate consideration, the transfer may be taxed as a surrender for federal income tax purposes. If the transfer is a currently taxable event for income tax purposes, the original owner will be taxed on the amount of deferred earnings at the time of the transfer and also may be subject to the 10% IRS penalty discussed earlier. In this case, the new owner’s investment in the contract will be equal to the investment in the contract at the time of the transfer plus any earnings included in the original owner’s taxable

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income as a result of the transfer. In general, this rule does not apply to transfers between spouses or former spouses. Similar rules apply if you transfer ownership for full consideration. Please consult your tax advisor for further details.

1035 Exchanges: Section 1035 of the Code permits nontaxable exchanges of certain insurance policies, endowment contracts, annuity contracts and qualified long-term care insurance contract 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 are 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, or (4) the exchange of a qualified long-term care insurance contract for a qualified long-term insurance contract. However, if the life insurance policy has an outstanding loan, there may be tax consequences. 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 contract.

QUALIFIED ANNUITIES

Annuity payouts from Roth IRAs: In general, the entire payout from a Roth IRA can be free from income and penalty taxes if you have attained age 591/2 and meet the five year holding period.

Surrenders from Roth IRAs: In general, the entire payout from a Roth IRA can be free from income and penalty taxes if you have attained age 591/2 and meet the five year holding period.


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inherited Roth IRAs) are subject to special RMD rules. You should consult your tax advisor prior to making a purchase for an explanation of the potential tax implications to you.

If the payment is part of an annuity payout plan, we generally compute the amount of federal income tax withholding using payroll tables. You may provide us with a statement of how many exemptions to use in calculating the withholding. If the distribution is any other type of payment (such as a partial or full surrender) we compute federal income tax withholding using 10% of the taxable portion.

The federal income tax withholding requirements differ if we deliver payment outside the United States or you are a non-resident alien.


•	the payout is one in a series of substantially equal periodic payouts, made at least annually, over your life or life expectancy (or the joint lives or life expectancies of you and your designated beneficiary) or over a specified period of 10 years or more;

•	the payout is a RMD as defined under the Code;

•	the payout is made on account of an eligible hardship; or

•	the payout is a corrective distribution.

State withholding also may be imposed on taxable distributions.


•	because of your death;

•	because you become disabled (as defined in the Code);

•	if the distribution is part of a series of substantially equal periodic payments made at least annually, over your life or life expectancy (or joint lives or life expectancies of you and your beneficiary);

•	if the distribution is made following severance from employment during the calendar year in which you attain age 55 (TSAs and annuities funding 401(a) plans only);

•	to pay certain medical or education expenses (IRAs only); or

•	if the distribution is made from an inherited IRA.

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annuity contract or other investment product that you choose. If you choose another annuity contract or investment product, you will be subject to new rules, including a new surrender charge schedule for an annuity contract, or other product rules as applicable.

Assignment: You may not assign or pledge your qualified contract as collateral for a loan.

OTHER

Purchase payment credits: These are considered earnings and are taxed accordingly when surrendered or paid out.

If you have any questions as to the status of your relationship as a marriage, then you should consult an appropriate tax or legal advisor.

Voting Rights

Before annuity payouts begin, the number of votes you have is determined by applying your percentage interest in each subaccount to the total number of votes allowed to the subaccount.


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After annuity payouts begin, the number of votes you have is equal to:


•	the reserve held in each subaccount for your contract; divided by

•	the net asset value of one share of the applicable fund.

As we make annuity payouts, the reserve for the contract decreases; therefore, the number of votes also will decrease.

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 no longer the most suitable) for the subaccounts.

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.

About the Service Providers

PRINCIPAL UNDERWRITER

RiverSource Distributors, Inc. (RiverSource Distributors), our affiliate, serves as the principal underwriter and general distributor of the contract. Its offices are located at 70100 Ameriprise Financial Center, Minneapolis, MN 55474. RiverSource Distributors is a wholly-owned subsidiary of Ameriprise Financial, Inc.

Although we no longer offer the contract for sale, you may continue to make purchase payments if permitted under the terms of your contract. We pay commissions to an affiliated selling firm of up to 6.00% of purchase payments on the contract as well as service/trail commissions of up to 1.25% based on annual total contract value for as long as the contract remains in effect. We also may pay a temporary additional sales commission of up to 1.00% of purchase payments for a period of time we select. These commissions do not change depending on which subaccounts you choose to allocate your purchase payments.

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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 contract (see “Expense Summary”);

•	compensation we or an affiliate receive from the underlying funds in the form of distribution and services fees (see “The Variable Account and the Funds — The funds”);

•	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 contract. However, you may pay part or all of the commissions and other compensation described above indirectly through:


•	fees and expenses we collect from contract 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.

ISSUER

LEGAL PROCEEDINGS

Additional Information

INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE

RiverSource Life is incorporating by reference in this prospectus information we file with the SEC, which means that we are disclosing important information to you by referring you to those documents. The information that we incorporate by reference is an important part of this prospectus, and later information that we file with the SEC automatically will update and supersede this information. The Annual Report on Form 10-K of RiverSource Life Insurance Company for the year ended December 31, 2013, File No. 33-28976, that we previously filed with the SEC under the Securities Exchange Act of 1934 (1934 Act) is incorporated by reference into this prospectus, as well as all of our subsequent annual reports on Form 10-K, quarterly reports on Form 10-Q and current reports on Form 8-K filed with the SEC under the 1934 Act. To access these documents, see “SEC Filings” under “Investors Relations” on our website at www.ameriprise.com.


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Appendix A: The Funds

Unless you have elected one of the optional living benefit riders, you may allocate purchase payments and transfers to any or all of the subaccounts of the variable account that invest in shares of the following funds:


Investing In	Investment Objective and Policies	Investment Adviser
AllianceBernstein VPS Dynamic Asset Allocation Portfolio (Class B)	Seeks to maximize total return consistent with AllianceBernstein’s determination of reasonable risk.	AllianceBernstein L.P.

AllianceBernstein VPS Global Thematic Growth Portfolio (Class B)	Seeks long-term growth of capital.	AllianceBernstein L.P.

AllianceBernstein VPS Growth and Income Portfolio (Class B)	Seeks long-term growth of capital.	AllianceBernstein L.P.

AllianceBernstein VPS International Value Portfolio (Class B)	Seeks long-term growth of capital.	AllianceBernstein L.P.

AllianceBernstein VPS Large Cap Growth Portfolio (Class B)	Seeks long-term growth of capital.	AllianceBernstein L.P.

ALPS/Alerian Energy Infrastructure Portfolio: Class III	Seeks investment results that correspond (before fees and expenses) generally to the price and yield performance of its underlying index.	ALPS Advisors, Inc.

American Century VP Mid Cap Value, Class II	Seeks long-term capital growth. Income is a secondary objective.	American Century Investment Management, Inc.

American Century VP Ultra^®, Class II	Seeks capital growth.	American Century Investment Management, Inc.

American Century VP Value, Class II	Seeks long-term capital growth. Income is a secondary objective.	American Century Investment Management, Inc.

BlackRock Global Allocation V.I. Fund (Class III)	Seeks high total investment return.	BlackRock Advisors, LLC, adviser; BlackRock Investment Management, LLC and BlackRock International Limited, sub-advisers.

ClearBridge Variable Small Cap Growth Portfolio – Class I	Seeks long-term growth of capital.	Legg Mason Partners Fund Advisor, LLC, adviser; ClearBridge Investments, LLC, sub-adviser. (Western Asset Management Company manages the Fund’s cash and short term investments.)

Columbia Variable Portfolio – Balanced Fund (Class 3)	Seeks maximum total investment return through a combination of capital growth and current income.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Cash Management Fund (Class 3)	Seeks maximum current income consistent with liquidity and stability of principal.	Columbia Management Investment Advisers, LLC


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 83


Investing In	Investment Objective and Policies	Investment Adviser
Columbia Variable Portfolio – Commodity Strategy Fund (Class 2)	Seeks to provide shareholders with total return.	Columbia Management Investment Advisers, LLC, adviser; Threadneedle International Limited, an indirect wholly-owned subsidiary of Ameriprise Financial, subadviser.

Columbia Variable Portfolio – Contrarian Core Fund (Class 2)	Seeks total return, consisting of long-term capital appreciation and current income.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Core Bond Fund (Class 2)	Seeks total return, consisting of current income and capital appreciation.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Diversified Bond Fund (Class 3)	Seeks high level of current income while attempting to conserve the value of the investment for the longest period of time.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Dividend Opportunity Fund (Class 3)	Seeks high level of current income and, as a secondary goal, steady growth of capital.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2)	Seeks to provide shareholders with high total return through current income and, secondarily, through capital appreciation.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Emerging Markets Fund (Class 3)	Seeks long-term capital growth.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Global Bond Fund (Class 3)	Non-diversified fund that seeks high total return through income and growth of capital.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – High Yield Bond Fund (Class 3)	Seeks high current income as its primary objective and, as its secondary objective, capital growth.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Income Opportunities Fund (Class 2)	Seeks high total return through current income and capital appreciation.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Income Opportunities Fund (Class 3)	Seeks high total return through current income and capital appreciation.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – International Opportunity Fund (Class 3)	Seeks capital appreciation.	Columbia Management Investment Advisers, LLC, adviser; Threadneedle International Limited, an indirect wholly-owned subsidiary of Ameriprise Financial, subadviser.

Columbia Variable Portfolio – Large Cap Growth Fund (Class 3)	Seeks long-term capital growth.	Columbia Management Investment Advisers, LLC

84 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS


Investing In	Investment Objective and Policies	Investment Adviser
Columbia Variable Portfolio – Large Core Quantitative Fund (Class 3)	Seeks capital appreciation.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Limited Duration Credit Fund (Class 2)	Seeks level of current income consistent with preservation of capital.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Managed Volatility Conservative Fund (Class 2) (Available only for contracts with living benefit riders.)	Pursues total return while seeking to manage the Fund’s exposure to equity market volatility.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2) (Available only for contracts with living benefit riders.)	Pursues total return while seeking to manage the Fund’s exposure to equity market volatility.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Managed Volatility Growth Fund (Class 2) (Available only for contracts with living benefit riders.)	Pursues total return while seeking to manage the Fund’s exposure to equity market volatility.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Managed Volatility Moderate Growth Fund (Class 2) (Available only for contracts with living benefit riders.)	Pursues total return while seeking to manage the Fund’s exposure to equity market volatility.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Marsico Growth Fund (Class 1)	Seeks long-term growth of capital.	Columbia Management Investment Advisers, LLC, adviser; Marsico Capital Management, LLC, subadviser.

Columbia Variable Portfolio – Marsico International Opportunities Fund (Class 2)	Seeks long-term growth of capital.	Columbia Management Investment Advisers, LLC, adviser; Marsico Capital Management, LLC, subadviser.

Columbia Variable Portfolio – Mid Cap Growth Opportunity Fund (Class 3)	Seeks growth of capital.	Columbia Management Investment Advisers, LLC


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 85


Investing In	Investment Objective and Policies	Investment Adviser
Columbia Variable Portfolio – Mid Cap Value Opportunity Fund (Class 3)	Seeks long-term growth of capital.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Multi-Strategy Alternatives Fund (Class 2) (previously Variable Portfolio – Eaton Vance Global Macro Advantage Fund (Class 2))	Seeks total return, consisting of current income and capital appreciation.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – S&P 500 Index Fund (Class 3)	Seeks long-term capital appreciation.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Select Large-Cap Value Fund (Class 3)	Seeks long-term growth of capital.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Select Smaller-Cap Value Fund (Class 3)	Seeks long-term capital growth.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 3)	Seeks current income as its primary objective and, as its secondary objective, preservation of capital.	Columbia Management Investment Advisers, LLC

Credit Suisse Trust – Commodity Return Strategy Portfolio	The portfolio is designed to achieve positive total return relative to the performance of the Dow Jones-UBS Commodity Index Total Return (“DJ-UBS”).	Credit Suisse Asset Management, LLC

Dreyfus Variable Investment Fund International Equity Portfolio, Service Shares	Seeks capital growth.	The Dreyfus Corporation, adviser; Newton Capital Management Limited, sub-adviser

DWS Alternative Asset Allocation VIP, Class B	Seeks capital appreciation.	Deutsche Investment Management Americas Inc., adviser; QS Investors, LLC and RREEF America L.L.C., sub-advisers.

Eaton Vance VT Floating-Rate Income Fund	Seeks high level of current income.	Eaton Vance Management

Fidelity^® VIP Contrafund^® Portfolio Service Class 2	Seeks long-term capital appreciation. Normally invests primarily in common stocks. Invests in securities of companies whose value FMR believes is not fully recognized by the public. Invests in either “growth” stocks or “value” stocks or both. The fund invests in domestic and foreign issuers.	Fidelity Management & Research Company (FMR) is the fund’s manager. FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund.

86 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS


Investing In	Investment Objective and Policies	Investment Adviser
Fidelity^® VIP Mid Cap Portfolio Service Class 2	Seeks long-term growth of capital. Normally invests primarily in common stocks. Normally invests at least 80% of assets in securities of companies with medium market capitalizations. May invest in companies with smaller or larger market capitalizations. Invests in domestic and foreign issuers. The Fund invests in either “growth” or “value” common stocks or both.	Fidelity Management & Research Company (FMR) is the fund’s manager. FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund.

Fidelity^® VIP Overseas Portfolio Service Class 2	Seeks long-term growth of capital. Normally invests primarily in common stocks allocating investments across different countries and regions. Normally invests at least 80% of assets in non-U.S. securities.	Fidelity Management & Research Company (FMR) is the fund’s manager. FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund.

Fidelity^® VIP Strategic Income Portfolio Service Class 2	Seeks a high level of current income and may also seek capital appreciation.	Fidelity Management & Research Company (FMR) is the fund’s manager. Fidelity Investments Money Management, Inc. (FIMM), FMR Co., Inc. (FMRC), FIL Investment Advisors (UK) Limited (FIA(UK))and other investment advisers serve as sub-advisers for the fund.

FTVIPT Franklin Global Real Estate VIP Fund – Class 2 (previously FTVIPT Franklin – Global Real Estate Securities Fund – Class 2)	Seeks high total return. Under normal market conditions, the fund invests at least 80% of its net assets in investments of companies located anywhere in the world that operate in the real estate sector.	Franklin Templeton Institutional, LLC

FTVIPT Franklin Income VIP Fund – Class 2 (previously FTVIPT Franklin – Income Securities Fund – Class 2)	Seeks to maximize income while maintaining prospects for capital appreciation. Under normal market conditions, the fund invests in both equity and debt securities.	Franklin Advisers, Inc. adviser; Templeton Investment Counsel, LLC, subadviser.

FTVIPT Franklin Mutual Shares VIP Fund – Class 2 (previously FTVIPT – Mutual Shares Securities Fund – Class 2)	Seeks capital appreciation, with income as a secondary goal. Under normal market conditions, the fund invests primarily in U.S. and foreign equity securities that the investment manager believes are undervalued.	Franklin Mutual Advisers, LLC

FTVIPT Franklin Small Cap Value VIP Fund – Class 2 (previously FTVIPT Franklin – Small Cap Value Securities Fund – Class 2)	Seeks long-term total return. Under normal market conditions, the fund invests at least 80% of its net assets in investments of small capitalization companies.	Franklin Advisory Services, LLC

FTVIPT Templeton Global Bond VIP Fund – Class 2 (previously FTVIPT Templeton Global Bond Securities Fund – Class 2)	Seeks high current income, consistent with preservation of capital, with capital appreciation as a secondary consideration. Under normal market conditions, the fund invests at least 80% of its net assets in bonds, which include debt securities of any maturity, such as bonds, notes, bills and debentures.	Franklin Advisers, Inc.


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 87


Investing In	Investment Objective and Policies	Investment Adviser
Goldman Sachs VIT Multi-Strategy Alternatives Portfolio – Advisor Shares (Available on or about 6/30/2014)	Seeks long-term growth of capital.	Goldman Sachs Asset Management, L.P.

Goldman Sachs VIT U.S. Equity Insights Fund – Institutional Shares (previously Goldman Sachs VIT Structured U.S. Equity Fund – Institutional Shares)	Seeks long-term growth of capital.	Goldman Sachs Asset Management, L.P.

Invesco V.I. American Franchise Fund, Series II Shares	Seeks capital growth.	Invesco Advisers, Inc.

Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares	Non-diversified fund that seeks total return with a low to moderate correlation to traditional financial market indices.	Invesco Advisers, Inc.

Invesco V.I. Comstock Fund, Series II Shares	Seeks capital growth and income through investments in equity securities, including common stocks, preferred stocks and securities convertible into common and preferred stocks.	Invesco Advisers, Inc.

Invesco V.I. Diversified Dividend Fund, Series II Shares	Seeks to provide reasonable current income and long-term growth of income and capital.	Invesco Advisers, Inc.

Invesco V.I. Global Health Care Fund, Series II Shares	Seeks long-term growth of capital.	Invesco Advisers, Inc.

Invesco V.I. International Growth Fund, Series II Shares	Seeks long-term growth of capital.	Invesco Advisers, Inc.

Invesco V.I. Mid Cap Growth Fund, Series II Shares	Seeks capital growth.	Invesco Advisers, Inc.

Ivy Funds VIP Asset Strategy	Seeks total return over the long term.	Waddell & Reed Investment Management Company

Janus Aspen Series Flexible Bond Portfolio: Service Shares	Seeks to obtain maximum total return, consistent with preservation of capital.	Janus Capital Management LLC

Janus Aspen Series Global Allocation Portfolio – Moderate: Service Shares	Seeks total return through growth of capital and income.	Janus Capital Management LLC

Janus Aspen Series Janus Portfolio: Service Shares	Seeks long-term growth of capital.	Janus Capital Management LLC

88 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS


Investing In	Investment Objective and Policies	Investment Adviser
Lazard Retirement Global Dynamic Multi Asset Portfolio – Service Shares (previously Lazard Retirement Multi-Asset Targeted Volatility Portfolio – Service Shares)	Seeks long-term capital appreciation.	Lazard Asset Management, LLC

MFS^® Investors Growth Stock Series – Service Class	Seeks capital appreciation.	MFS^® Investment Management

MFS^® Utilities Series – Service Class	Seeks total return.	MFS^® Investment Management

Morgan Stanley UIF Global Real Estate Portfolio, Class II Shares	Seeks to provide current income and capital appreciation.	Morgan Stanley Investment Management Inc., adviser; Morgan Stanley Investment Management Limited and Morgan Stanley Investment Management Company, subadvisers.

Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares	Seeks long-term capital growth by investing primarily in common stocks and other equity securities.	Morgan Stanley Investment Management Inc.

Neuberger Berman Advisers Management Trust Absolute Return Multi-Manager Portfolio (Class S) (Available on or about 6/30/2014)	Seeks capital appreciation with an emphasis on absolute (i.e., positive) returns.	Neuberger Berman Management LLC is the Fund’s investment manager. NB Alternative Investment Management LLC is the Fund’s investment adviser.

Neuberger Berman Advisers Management Trust International Equity Portfolio (Class S)	Seeks long-term growth of capital by investing at least 80% of its nets assets, plus the amount of any borrowings for investment purposes, in equity securities.	Neuberger Berman Management LLC

Neuberger Berman Advisers Management Trust Socially Responsive Portfolio (Class S)	Seeks long-term growth of capital by investing primarily in securities of companies that meet the Fund’s financial criteria and social policy.	Neuberger Berman Management LLC

Oppenheimer Equity Income Fund/VA, Service Shares	Seeks long-term growth of capital by investing primarily in common stocks with low price-earnings ratios and better than anticipated earnings. Realization of income is a secondary consideration.	OFI Global Asset Management, Inc., adviser; OppenheimerFunds, Inc., sub-adviser.

Oppenheimer Global Fund/VA, Service Shares	Seeks long-term capital appreciation by investing a substantial portion of its assets in securities of foreign issuers, “growth-type” companies, cyclical industries and special situations that are considered to have appreciation possibilities.	OFI Global Asset Management, Inc., adviser; OppenheimerFunds, Inc., sub-adviser.

Oppenheimer Global Strategic Income Fund/VA, Service Shares	Seeks a high level of current income principally derived from interest on debt securities.	OFI Global Asset Management, Inc., adviser; OppenheimerFunds, Inc., sub-adviser.


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 89


Investing In	Investment Objective and Policies	Investment Adviser
Oppenheimer Main Street Small Cap Fund^®/VA, Service Shares	Seeks capital appreciation.	OFI Global Asset Management, Inc., adviser; OppenheimerFunds, Inc., sub-adviser.

PIMCO VIT All Asset Portfolio, Advisor Class	Seeks maximum real return consistent with preservation of real capital and prudent investment management.	Pacific Investment Management Company LLC (PIMCO)

PIMCO VIT Global Multi-Asset Managed Allocation Portfolio, Advisor Class (previously PIMCO VIT Global Multi-Asset Portfolio, Advisor Class)	Seeks total return which exceeds that of a blend of 60% MSCI World Index/40% Barclays U.S. Aggregate Index.	Pacific Investment Management Company LLC (PIMCO)

PIMCO VIT Total Return Portfolio, Advisor Class	Seeks maximum total return, consistent with preservation of capital and prudent investment management.	Pacific Investment Management Company LLC (PIMCO)

Van Eck VIP Global Gold Fund (Class S Shares)	Seeks long-term capital appreciation by investing in common stocks of gold-mining companies. The Fund may take current income into consideration when choosing investments.	Van Eck Associates Corporation

Variable Portfolio – Aggressive Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with an aggressive level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – Aggressive Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with an aggressive level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – AQR Managed Futures Strategy Fund (Class 2)	Seeks positive absolute returns.	Columbia Management Investment Advisers, LLC, adviser; AQR Capital Management, LLC, subadviser.

90 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS


Investing In	Investment Objective and Policies	Investment Adviser
Variable Portfolio – BlackRock Global Inflation-Protected Securities Fund (Class 3)	Non-diversified fund that seeks total return that exceeds the rate of inflation over the long term.	Columbia Management Investment Advisers, LLC, adviser; BlackRock Financial Management, Inc., subadviser.

Variable Portfolio – Conservative Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with a conservative level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – Conservative Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with a conservative level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – Goldman Sachs Commodity Strategy Fund (Class 2)	Seeks total return, consisting of current income and capital appreciation.	Columbia Management Investment Advisers, LLC, adviser; Goldman Sachs Asset Management, L.P., subadviser.


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 91


Investing In	Investment Objective and Policies	Investment Adviser
Variable Portfolio – Moderate Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with a moderate level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – Moderate Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with a moderate level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – Moderately Aggressive Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with a moderately aggressive level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

92 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS


Investing In	Investment Objective and Policies	Investment Adviser
Variable Portfolio – Moderately Aggressive Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with a moderately aggressive level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – Moderately Conservative Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with a moderately conservative level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – Moderately Conservative Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with a moderately conservative level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – Partners Small Cap Value Fund (Class 3)	Seeks long-term capital appreciation.	Columbia Management Investment Advisers, LLC, adviser; Barrow, Hanley, Mewhinney & Strauss, LLC, Denver Investment Advisors LLC, Donald Smith & Co., Inc., River Road Asset Management, LLC and Turner Investments L.P., subadvisers.


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 93

Appendix B: Example — Market Value Adjustment (MVA)

As the examples below demonstrate, the application of an MVA may result in either a gain or a loss of principal. We refer to all of the transactions described below as “early surrenders.” The examples may show hypothetical contract values. These contract values do not represent past or future performance. Actual contract values may be more or less than those shown and will depend on a number of factors, including but not limited to the investment experience of the subaccounts, GPAs, Special DCA fixed account, regular fixed account and the fees and charges that apply to your contract.

General Examples

Assumptions:


•	You purchase a contract and allocate part of your purchase payment to the ten-year GPA; and

•	we guarantee an interest rate of 3.0% annually for your ten-year Guarantee Period; and

•	after three years, you decide to make a surrender from your GPA. In other words, there are seven years left in your guarantee period.

Remember that the MVA depends partly on the interest rate of a new GPA for the same number of years as the Guarantee Period remaining on your GPA. In this case, that is seven years.

Sample MVA Calculations

The precise MVA formula we apply is as follows:

Early withdrawal amount ×

[(

1 + i

1 + j + .001

)

^n/12

− 1 ]

= MVA


	Where i	= rate earned in the GPA from which amounts are being transferred or surrendered.

	j	= current rate for a new Guaranteed Period equal to the remaining term in the current Guarantee Period (rounded up to the next year).

	n	= number of months remaining in the current Guarantee Period (rounded up to the next month).

Examples — MVA

Using assumptions similar to those we used in the examples above:


•	You purchase a contract and allocate part of your purchase payment to the ten-year GPA; and

•	we guarantee an interest rate of 3.0% annually for your ten-year Guarantee Period; and

•	after three years, you decide to make a $1,000 surrender from your GPA. In other words, there are seven years left in your guarantee period.

$1,000 ×

[(

1.030

1 + .035 + .001

)

^84/12

− 1]

= –$39.84

In this example, the MVA is a negative $39.84.


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 95

Appendix C: Example — Surrender Charges

The purpose of this appendix is to illustrate the various surrender charge calculations. The examples may show hypothetical contract values. These contract values do not represent past or future performance. Actual contract values may be more or less than those shown and will depend on a number of factors, including but not limited to the investment experience of the subaccounts, GPAs, Special DCA fixed account, regular fixed account and the fees and charges that apply to your contract.

Full surrender charge calculation — ten-year surrender charge schedule:

This is an example of how we calculate the surrender charge for a full surrender on a RAVA 4 Advantage contract with a ten-year surrender charge schedule with the following history:


•	we receive a single $100,000 purchase payment; and


•	you surrender the contract for its total value during the fourth contract year. The surrender charge percentage is 7.0%; and

•	you have made no prior partial surrenders.

We will look at two situations, one where the contract has a gain and another where there is a loss:


		Contract		Contract
		with Gain		with Loss
	Contract Value at time of full surrender:	$	120,000.00	$	80,000.00
	Contract Value on prior anniversary:		115,000.00		85,000.00
Step 1.	We determine the Total Free Amount (TFA) available in the contract as the greatest of the earnings or 10% of the prior anniversary value:
	Earnings in the contract:		20,000.00		0.00
	10% of the prior anniversary’s contract value:		11,500.00		8,500.00

	Total Free Amount:		20,000.00		8,500.00
Step 2.	We determine the TFA that is from Purchase Payments:
	Total Free Amount:		20,000.00		8,500.00
	Earnings in the contract:		20,000.00		0.00
	Purchase Payments being Surrendered Free (PPF):		0.00		8,500.00
Step 3.	We calculate the Premium Ratio (PR):
	PR = [WD − TFA] / [CV − TFA]
	WD =		120,000.00		80,000.00	= the amount of the surrender
	TFA =		20,000.00		8,500.00	= the total free amount, step 1
	CV =		120,000.00		80,000.00	= the contract value at the time of the surrender
	PR =		100%		100%	= the premium ratio
Step 4.	We calculate Chargeable Purchase Payments being Surrendered (CPP):
	CPP = PR × (PP − PPF)
	PR =		100%		100%	= premium ratio, step 3
	PP =		100,000.00		100,000.00	= purchase payments not previously surrendered
	PPF =		0.00		8,500.00	= purchase payments being surrendered free, step 2
	CPP =		100,000.00		91,500.00


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 97


		Contract			Contract
		with Gain			with Loss
Step 5.	We calculate the Surrender Charges:
	Chargeable Purchase Payments:		100,000.00			91,500.00
	Surrender Charge Percentage:		7%			7%
	Surrender Charge:		7,000.00			6,405.00
Step 6.	We calculate the Net Surrender Value:		120,000.00			80,000.00
	Contract Value Surrendered:		(7,000.00	)		(6,405.00	)
	Contract Charge (assessed upon full surrender):		(30.00	)		(30.00	)
	Net Full Surrender Proceeds:		112,970.00			73,565.00

Partial surrender charge calculation — ten-year surrender charge schedule:

This is an example of how we calculate the surrender charge for a partial surrender on a RAVA 4 Advantage contract with a ten-year surrender charge schedule with the following history:


•	we receive a single $100,000 purchase payment; and


•	you request a gross partial surrender of $50,000 during the fourth contract year. The surrender charge percentage is 7.0%; and

•	you have made no prior partial surrenders.

We will look at two situations, one where the contract has a gain and another where there is a loss:


		Contract		Contract
		with Gain		with Loss
	Contract Value at time of partial surrender:	$	120,000.00	$	80,000.00
	Contract Value on prior anniversary:		115,000.00		85,000.00
Step 1.	We determine the Total Free Amount (TFA) available in the contract as the greatest of the earnings or 10% of the prior anniversary value:
	Earnings in the contract:		20,000.00		0.00
	10% of the prior anniversary’s contract value:		11,500.00		8,500.00

	Total Free Amount:		20,000.00		8,500.00
Step 2.	We determine the TFA that is from Purchase Payments:
	Total Free Amount:		20,000.00		8,500.00
	Earnings in the contract:		20,000.00		0.00
	Purchase Payments being Surrendered Free
	(PPF):		0.00		8,500.00
Step 3.	We calculate the Premium Ratio (PR):
	PR = [WD − TFA] /[CV − TFA]
	WD =		50,000.00		50,000.00	= the amount of the surrender
	TFA =		20,000.00		8,500.00	= the total free amount, step 1
	CV =		120,000.00		80,000.00	= the contract value at the time of surrender
	PR =		30%		58%	= the premium ratio

98 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS


		Contract			Contract
		with Gain			with Loss
Step 4.	We calculate the Chargeable Purchase Payments being Surrendered (CPP):
	CPP = PR × (PP − PPF)
	PR =		30%			58%		= premium ratio, step 3
	PP =		100,000.00			100,000.00		= purchase payments not previously surrendered
	PPF =		0.00			8,500.00		= purchase payments being surrendered free, step 2
	CPP =		30,000.00			53,108.39		= chargeable purchase payments being surrendered
Step 5.	We calculate the Surrender Charges:
	Chargeable Purchase Payments:		30,000.00			53,108.39
	Surrender Charge Percentage:		7%			7%
	Surrender Charge:		2,100			3,718
Step 6.	We calculate the Net Surrender Value:
	Contract Value Surrendered:		50,000.00			50,000.00
	Surrender Charge:		(2,100.00	)		(3,717.59	)
	Net Partial Surrender Proceeds:		47,900.00			46,282.41

Full surrender charge calculation — three-year surrender charge schedule:

This is an example of how we calculate the surrender charge for a full surrender on a RAVA 4 Select contract with a three-year surrender charge schedule with the following history:


•	we receive a single $100,000 purchase payment; and


•	you surrender the contract for its total value during the second contract year. The surrender charge percentage is 7.0%; and

•	you have made no prior partial surrenders.

We will look at two situations, one where the contract has a gain and another where there is a loss:


		Contract		Contract
		with Gain		with Loss
	Contract Value at time of full surrender:	$	120,000.00	$	80,000.00
	Contract Value on prior anniversary:		115,000.00		85,000.00
Step 1.	We determine the Total Free Amount (TFA) available in the contract as the greatest of the earnings or 10% of the prior anniversary value:
	Earnings in the Contract:		20,000.00		0.00
	10% of the prior anniversary’s contract value:		11,500.00		8,500.00

	Total Free Amount:		20,000.00		8,500.00
Step 2.	We determine the TFA and Amount Free that is from Purchase Payments:
	Total Free Amount:		20,000.00		8,500.00
	Earnings in the contract:		20,000.00		0.00
	Purchase Payments being Surrendered Free (PPF):		0.00		8,500.00


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 99


		Contract			Contract
		with Gain			with Loss
Step 3.	We calculate the Premium Ratio (PR):
	PR = [WD − TFA] /[CV − TFA]
	WD =		120,000.00			80,000.00		= the amount of the surrender
	TFA =		20,000.00			8,500.00		= the total free amount, step 1
	CV =		120,000.00			80,000.00		= the contract value at the time of the surrender
	PR =		100%			100%
Step 4.	We calculate Chargeable Purchase Payments being Surrendered (CPP):
	CPP = PR × (PP − PPF)
	PR =		100%			100%		= premium ratio, step 3
	PP =		100,000.00			100,000.00		= purchase payments not previously surrendered
	PPF =		0.00			8,500.00		= purchase payments being surrendered free, step 2
	CPP =		100,000.00			91,500.00
Step 5.	We calculate the Surrender Charges:
	Chargeable Purchase Payments:		100,000.00			91,500.00
	Surrender Charge Percentage:		7%			7%
	Surrender Charge:		7,000.00			6,405.00
Step 6.	We calculate the Net Surrender Value:		120,000.00			80,000.00
	Contract Value Surrendered:		(7,000.00	)		(6,405.00	)
	Contract Charge (assessed upon full surrender):		(30.00	)		(30.00	)
	Net Full Surrender Proceeds:		112,970.00			73,565.00

Partial surrender charge calculation — three-year surrender charge schedule:

This is an example of how we calculate the surrender charge for a partial surrender on a RAVA 4 Select contract with a three-year surrender charge schedule with the following history:


•	we receive a single $100,000 purchase payment; and


•	you request a gross partial surrender of $50,000 during the second contract year. The surrender charge percentage is 7.0%; and

•	you have made no prior partial surrenders.

We will look at two situations, one where the contract has a gain and another where there is a loss:


		Contract		Contract
		with Gain		with Loss
	Contract Value at time of partial surrender:	$	120,000.00	$	80,000.00
	Contract Value on prior anniversary:		115,000.00		85,000.00
Step 1.	We determine the Total Free Amount (TFA) available in the contract as the greatest of the earnings or 10% of the prior anniversary value:
	Earnings in the contract:		20,000.00		0.00
	10% of the prior anniversary’s contract value:		11,500.00		8,500.00

	Total Free Amount:		20,000.00		8,500.00

100 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

Appendix D: Example — Optional Death Benefits

The purpose of this appendix is to illustrate the operation of various optional death benefit riders.

In order to demonstrate these contract riders, an example may show hypothetical contract values. These contract values do not represent past or future performance. Actual contract values may be more or less than those shown and will depend on a number of factors, including but not limited to the investment experience of the subaccounts, GPAs, Special DCA fixed account, regular fixed account and the fees and charges that apply to your contract.

The examples of the optional death benefits in appendix include partial surrenders to illustrate the effect of partial surrenders on the particular benefit. These examples are intended to show how the optional death benefits operate, and do not take into account whether a particular optional death benefit is part of a qualified annuity. Qualified annuities are subject to RMDs at certain ages (see “Taxes — Qualified Annuities — Required Minimum Distributions”) which may require you to take partial surrenders from the contract. If you are considering the addition of certain death benefits to a qualified annuity, you should consult your tax advisor prior to making a purchase for an explanation of the potential tax implication to you.

Example — ROPP Death Benefit


•	You purchase the contract (with the ROPP rider) with a payment of $20,000.


•	The contract value falls to $18,000, at which point you take a $1,500 partial surrender, leaving a contract value of $16,500.


We calculate the death benefit as follows:
	The total purchase payments minus adjustments for partial surrenders:
	Total purchase payments minus adjusted partial surrenders, calculated as:		$	20,000
	$1,500 × $20,000 $18,000	=		1,667

	a death benefit of:		$	18,333

Example — MAV Death Benefit


•	You purchase the contract (with the MAV rider) with a payment of $20,000.


•	On the first contract anniversary the contract value grows to $24,000.


•	During the second contract year the contract value falls to $22,000, at which point you take a $1,500 partial surrender, leaving a contract value of $20,500.


We calculate the death benefit as follows:
The maximum anniversary value immediately preceding the date of death plus any payments made since that anniversary minus adjusted partial surrenders:
	Greatest of your contract anniversary contract values:		$	24,000
	plus purchase payments made since that anniversary:			+0
	minus adjusted partial surrenders, calculated as:
	$1,500 × $24,000 $22,000	=		1,636

for a death benefit of:			$	22,364

102 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

Example — 5-Year MAV Death Benefit


•	You purchase the contract (with the 5-Year MAV rider) with a payment of $20,000.


•	On the fifth contract anniversary the contract value grows to $30,000.

•	During the sixth contract year the contract value falls to $25,000, at which point you take a $1,500 partial surrender, leaving a contract value of $23,500.


We calculate the death benefit as follows:
The maximum 5-year anniversary value immediately preceding the date of death plus any payments made since that anniversary minus adjusted partial surrenders:
Greatest of your 5-year contract anniversary contract values:			$	30,000
	plus purchase payments made since that anniversary:			+0
	adjusted partial surrenders, calculated as:
	$1,500 × $30,000 $25,000	=		1,800

	for a death benefit of:		$	28,200

Example — EEB Death Benefit


•	You purchase the contract with a payment of $100,000 and you are under age 70. You select the seven-year surrender charge schedule, the MAV and the EEB.


•	During the first contract year the contract value grows to $105,000. The death benefit equals the standard death benefit, which is the contract value less purchase payment credits reversed, or $104,000. You have not reached the first contract anniversary so the EEB does not provide any additional benefit at this time.


•	On the first contract anniversary the contract value grows to $110,000. The death benefit equals:


MAV death benefit amount (contract value):	$	110,000
plus the EEB which equals 40% of earnings at death (MAV death benefit amount minus payments not previously surrendered):		+4,000

0.40 × ($110,000 – $100,000) =
Total death benefit of:	$	114,000


•	On the second contract anniversary the contract value falls to $105,000. The death benefit equals:


MAV death benefit amount (maximum anniversary value):	$	110,000
plus the EEB (40% of earnings at death):		+4,000

0.40 × ($110,000 – $100,000) =
Total death benefit of:	$	114,000

•

During the third contract year the contract value remains at $105,000 and you request a partial surrender, including the applicable 7% surrender charge, of $50,000. We will surrender $10,500 from your contract value free of charge (10% of your prior anniversary’s contract value). The remainder of the surrender is subject to a 7% surrender charge because your purchase payment is two years old, so we will surrender $39,500 ($36,735 + $2,765 in surrender charges) from your contract value. Altogether, we will surrender $50,000 and pay you $48,025. We calculate purchase payments not previously surrendered as $100,000 — $45,000 = $55,000 (remember that $5,000 of the partial surrender is contract earnings). The death benefit equals:

MAV death benefit amount (maximum anniversary value adjusted for partial surrenders):


$110,000 – ($50,000 x $110,000) $105,000	=	$	57,619
plus the EEB (40% of earnings at death):
0.40 × ($57,619 – $55,000)	=		+1,048


Total death benefit of:		$	58,667


•	On the third contract anniversary the contract value falls by $40,000. The death benefit remains at $58,667. The reduction in contract value has no effect.


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 103


•	On the ninth contract anniversary the contract value grows to a new high of $200,000. Earnings at death reaches its maximum of 250% of purchase payments not previously surrendered that are one or more years old. The death benefit equals:


MAV death benefit amount (contract value):	$	200,000
plus the EEB (40% of earnings at death) 0.40 × 2.50 × ($55,000) =		+55,000

Total death benefit of:	$	255,000


•	During the tenth contract year you make an additional purchase payment of $50,000 and your contract value grows to $250,500. The new purchase payment is less than one year old and so it has no effect on the EEB. The death benefit equals:


MAV death benefit amount (contract value less purchase payment credits reversed):	$	250,000
plus the EEB (40% of earnings at death) 0.40 × 2.50 × ($55,000) =		+55,000

Total death benefit of:	$	305,000


•	During the eleventh contract year the contract value remains $250,500 and the “new” purchase payment is now one year old. The value of the EEB changes. The death benefit equals:


MAV death benefit amount (contract value):	$	250,500
plus the EEB which equals 40% of earnings at death (the standard death benefit amount minus payments not previously surrendered):
0.40 × ($250,500 – $105,000) =		+58,200

Total death benefit of:	$	308,700

Example — EEP Death Benefit


•	You purchase the contract with an exchange purchase payment of $100,000 and you are under age 70. You select the seven-year surrender charge schedule, the MAV and the EEP.


•	During the first contract year the contract value grows to $105,000. The death benefit on equals the standard death benefit amount, which is the contract value less purchase payment credits reversed, or $104,000. You have not reached the first contract anniversary so neither the EEP Part I nor Part II provides any additional benefit at this time.

•	On the first contract anniversary the contract value grows to $110,000. You have not reached the second contract anniversary so the EEP Part II does not provide any additional benefit at this time. The death benefit equals:


MAV death benefit amount (contract value):	$	110,000
plus the EEP Part I which equals 40% of earnings at death (the MAV death benefit amount minus purchase payments not previously surrendered):
0.40 × ($110,000 – $100,000) =		+4,000

Total death benefit of:	$	114,000


•	On the second contract anniversary the contract value falls to $105,000. The death benefit equals:


MAV death benefit amount (maximum anniversary value):	$	110,000
plus the EEP Part I (40% of earnings at death):
0.40 × ($110,000 – $100,000) =		+4,000
plus the EEP Part II which in the third contract year equals 10% of exchange purchase payments identified at issue and not previously surrendered:
0.10 × $100,000 =		+10,000



Total death benefit of:	$	124,000

•

104 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

Altogether, we will surrender $50,000 and pay you $47,235. We calculate purchase payments not previously surrendered as $100,000 — $45,000 = $55,000 (remember that $5,000 of the partial surrender is contract earnings). The death benefit equals:

MAV death benefit amount (maximum anniversary value adjusted for partial surrenders):


$110,000 — ($50,000 × $110,000) $105,000	=	$	57,619
plus the EEP Part I (40% of earnings at death):
0.40 × ($57,619 – $55,000)	=		+1,048
plus the EEP Part II which in the third contract year equals 10% of exchange purchase payments identified at issue and not previously surrendered
0.10 × $55,000	=		+5,500

Total death benefit of:		$	64,167


•	On the third contract anniversary the contract value falls by $40,000. The death benefit remains at $64,167. The reduction in contract value has no effect.

•	On the ninth contract anniversary the contract value grows to a new high of $200,000. Earnings at death reaches its maximum of 250% of purchase payments not previously surrendered that are one or more years old. Because we are beyond the fourth contract anniversary the EEP also reaches its maximum of 20%. The death benefit equals:


MAV death benefit amount (contract value):	$	200,000
plus the EEP Part I (40% of earnings at death)
.40 × (2.50 × $55,000) =		+55,000
plus the EEP Part II which after the fourth contract year equals 20% of exchange purchase payments identified at issue and not previously surrendered:
0.20 × $55,000 =		+11,000

Total death benefit of:	$	266,000


•	During the tenth contract year you make an additional purchase payment of $50,000 and your contract value grows to $250,500. The new purchase payment is less than one year old and so it has no effect on either the EEP Part I or EEP Part II. The death benefit equals:


MAV death benefit amount (contract value less purchase payment credits reversed):	$	250,000
plus the EEP Part I (40% of earnings at death)
.40 × (2.50 × $55,000) =		+55,000
plus the EEP Part II, which after the fourth contract year equals 20% of exchange purchase payments identified at issue and not previously surrendered:
0.20 × $55,000 =		+11,000

Total death benefit of:	$	316,000


•	During the eleventh contract year the contract value remains $250,500 and the “new” purchase payment is now one year old. The value of the EEP Part I changes but the value of the EEP Part II remains constant. The death benefit equals:


MAV death benefit amount (contract value):	$	250,500
plus the EEP Part I which equals 40% of earnings at death (the MAV death benefit minus payments not previously surrendered):
0.40 × ($250,500 – $105,000) =		+58,200
plus the EEP Part II, which after the fourth contract year equals 20% of exchange purchase payments identified at issue and not previously surrendered: 0.20 × $55,000 =		+11,000

Total death benefit of:	$	319,700


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 105

Appendix E: Example — Optional Living Benefits

The purpose of this appendix is to illustrate the operation of various optional living benefit riders.

These examples are intended to show how the optional riders operate, and do not take into account whether a particular optional rider is part of a qualified annuity. Qualified annuities are subject to RMDs at certain ages (see “Taxes — Qualified Annuities — Required Minimum Distributions”) which may require you to take partial surrenders from the contract. If you are considering the addition of certain optional riders to a qualified annuity, you should consult your tax advisor prior to making a purchase for an explanation of the potential tax implication to you.

Example — Accumulation Benefit

The following example shows how the Accumulation Benefit rider works based on hypothetical values. It is not intended to depict investment performance of the contract.

The example assumes:


•	You purchase the contract (with the Accumulation Benefit rider) with a payment of $100,000. No purchase payment credit applies.

•	You make no additional purchase payments.

•	You do not exercise the elective step-up option


									Hypothetical
	Partial Surrender		MCAV Adjustment				Accumulation		Assumed
End of	(beginning of		for Partial				Benefit		Contract
Contract Year	year)		Surrender		MCAV		Amount		Value


1		0		0		100,000		0		112,000

2		0		0		102,400		0		128,000

3		0		0		108,000		0		135,000

4		0		0		108,000		0		125,000

5		0		0		108,000		0		110,000

6		2,000		1,964		106,036		0		122,000

7		0		0		112,000		0		140,000

8		0		0		112,000		0		121,000

9		5,000		4,628		107,372		0		98,000

10		0		0		107,372		22,372		85,000

106 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

Example — SecureSource Flex Riders

EXAMPLE #1: Lifetime benefit not established at the time the contract and rider are purchased.

Assumptions:


•	You purchase the contract with a payment of $100,000 and make no additional payments to the contract.

•	You are the sole owner. You are age 61. For the joint benefit, you and your spouse are age 63.

•	Annual step-ups are applied each anniversary when available, where the contract value is greater than the RBA and/or the contract value times the ALP percentage is greater than the ALP. Applied annual step-ups are indicated in bold.

•	You elect the Moderate PN program investment option at issue.


					Hypothetical
Contract					Assumed
Duration	Purchase		Partial		Contract							Basic Benefit												Lifetime Benefit
in Years	Payments		Withdrawals		Value		WAB			BDP		GBA			RBA			GBP			RBP			ALP			RALP


At Issue	$	100,000		NA	$	100,000	$	100,000			0.0%	$	100,000		$	100,000		$	6,000		$	0			NA			NA

1		0		0		98,000		100,000			2.0%		100,000			100,000			6,000			0			NA			NA

2		0		0		105,000		105,000			0.0%		105,000			105,000			6,300			0			NA			NA

3		0		0		125,000		125,000			0.0%		125,000			125,000			7,500			7,500			NA			NA

3.5		0		6,000		111,000		118,590			6.4%		125,000			119,000			7,500			1,500			NA			NA

4		0		0		104,000		118,590			12.3%		125,000			119,000			7,500			7,500			7,140	⁽¹⁾		7,140	⁽¹⁾

5		0		0		90,000		118,590			24.1%		125,000			119,000			6,250	⁽²⁾		6,250	⁽²⁾		5,950	⁽²⁾		5,950	⁽²⁾

6		0		0		95,000		118,590			19.9%		125,000			119,000			7,500			7,500			7,140			7,140

6.5		0		7,500		87,500		87,500	⁽³⁾		0.0%		125,000			111,500			7,500			0			5,250	⁽³⁾		0

7		0		0		90,000		90,000			0.0%		125,000			111,500			7,500			7,500			5,400			5,400

7.5		0		10,000		70,000		70,000	⁽⁴⁾		0.0%		70,000	⁽⁴⁾		70,000	⁽⁴⁾		4,200	⁽⁴⁾		0			4,200	⁽⁴⁾		0

8		0		0		75,000		75,000			0.0%		75,000			75,000			4,500			4,500			4,500			4,500


⁽¹⁾		The ALP and RALP are established on the contract anniversary following the date the covered person reaches age 65 (Joint benefit: younger covered spouse reaches age 67) as the RBA times the ALP percentage.
⁽²⁾		The ALP percentage and GBP percentage are 6% when the BDP is less than 20% and 5% when the BDP is greater than or equal to 20%.
⁽³⁾		The $7,500 withdrawal is greater than the $7,140 RALP allowed under the lifetime benefit and therefore excess withdrawal processing is applied to the ALP, resetting the ALP to the lesser of the prior ALP or the ALP Percentage times the contract value following the withdrawal. The WAB is reset to the ALP after the reset divided by the current ALP Percentage. The BDP at the time of withdrawal is less than 20%, so the ALP percentage and GBP percentage are set at 6% for the remainder of the contract year.
⁽⁴⁾		The $10,000 withdrawal is greater than both the $7,500 RBP allowed under the basic benefit and the $5,400 RALP allowed under the lifetime benefit and therefore excess withdrawal processing is applied to both benefits. The GBA is reset to the lesser of the prior GBA or the contract value following the withdrawal. The RBA is reset to the lesser of the prior RBA less the withdrawal or the contract value following the withdrawal. The ALP is reset to the lesser of the prior ALP or the ALP percentage times the contract value following the withdrawal. The WAB is reset to the ALP after the reset divided by the current ALP percentage. The BDP at the time of withdrawal is less than 20%, so the ALP percentage and GBP percentage are set at 6% for the remainder of the contract year.


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 107

EXAMPLE #2: Lifetime benefit established at the time the contract and rider are purchased.

Assumptions:


•	You purchase the contract with a payment of $100,000 and make no additional payments to the contract.

•	You are the sole owner. You (and your spouse for the joint benefit) are age 67.

•	Annual step-ups are applied each anniversary when available, where the contract value is greater than the RBA and/or the contract value times the ALP percentage is greater than the ALP. Applied annual step-ups are indicated in bold.

•	You elect the Moderate PN program investment option at issue. On the 7th contract anniversary, you elect to change to the Moderately Aggressive PN program investment option. The target PN program investment option under the contract is the Moderate PN program investment option.


					Hypothetical
Contract					Assumed
Duration	Purchase		Partial		Contract							Basic Benefit												Lifetime Benefit
in Years	Payments		Withdrawals		Value		WAB			BDP		GBA			RBA			GBP			RBP			ALP			RALP


At Issue	$	100,000		NA	$	100,000	$	100,000			0.0%	$	100,000		$	100,000		$	6,000		$	0		$	6,000		$	0

1		0		0		105,000		105,000			0.0%		105,000			105,000			6,300			0			6,300			0

2		0		0		110,000		110,000			0.0%		110,000			110,000			6,600			0			6,600			0

3		0		0		105,000		110,000			4.5%		110,000			110,000			6,600			6,600	⁽¹⁾		6,600			6,600	⁽¹⁾

3.5		0		6,000		99,000		103,714			4.5%		110,000			104,000			6,600			600			6.600			600

4		0		0		95,000		103,714			8.4%		110,000			104,000			6,600			6,600			6,600			6,600

5		0		0		75,000		103,714			27.7%		90,000			104,000			5,500	⁽²⁾		5,500	⁽²⁾		5,500	⁽²⁾		5,500	⁽²⁾

5.5		0		10,000		70,000		70,000	⁽³⁾		0.0%		70,000			70,000			3,500	⁽³⁾		3,500	⁽³⁾		3,500	⁽³⁾		3,500	⁽³⁾

6		0		0		75,000		75,000			0.0%		75,000			75,000			4,500			4,500			4,500			4,500

7		0		0		70,000		70,000	⁽⁴⁾		0.0%		70,000	⁽⁴⁾		70,000	⁽⁴⁾		4,200	⁽⁴⁾		4,200	⁽⁴⁾		4,200	⁽⁴⁾		4,200	⁽⁴⁾


⁽¹⁾		At the end of the 3-Year waiting period, the RBP and RALP are set equal to the GBP and ALP, respectively.
⁽²⁾		The ALP percentage and GBP percentage are 6% when the BDP is less than 20% and 5% when the BDP is greater than or equal to 20%.
⁽³⁾		The $10,000 withdrawal is greater than both the $5,500 RBP and RALP allowed under the basic benefit and lifetime benefit, therefore excess withdrawal processing is applied to both benefits. The GBA is reset to the lesser of the prior GBA or the contract value following the withdrawal. The RBA is reset to the lesser of the prior RBA less the withdrawal or the contract value following the withdrawal. The ALP is reset to the lesser of the prior ALP or the ALP percentage times the contract value following the withdrawal. The WAB is reset to the ALP after the reset divided by the current ALP percentage. The BDP at the time of withdrawal is greater than or equal to 20%, so the ALP percentage and GBP percentage are set at 5% for the remainder of the contract year.
⁽⁴⁾		Allocation to the Moderately Aggressive PN program investment option during a withdrawal phase will reset the benefit. The GBA is reset to the lesser of the prior GBA or the contract value. The RBA is reset to the lesser of the prior RBA or the contract value. The ALP is reset to the lesser of the prior ALP or the ALP percentage times the contract value. Any future withdrawals will reallocate your contract value to the Moderate PN program investment option if you are invested more aggressively than the Moderate PN program investment option. The WAB is reset to the ALP after the reset divided by the current ALP percentage.

108 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

Example — SecureSource Riders

Example #1: Single Life Benefit: Covered Person has not reached age 65 at the time the contract and rider are purchased.

Assumptions:


•	You purchase the contract with a payment of $100,000 and make no additional payments to the contract.

•	You are the sole owner and also the annuitant. You are age 60.

•	Automatic annual step-ups are applied each anniversary when available, where the contract value is greater than the RBA and/or 6% of the contract value is greater than the ALP. Applied annual step-ups are indicated in bold.

•	You elect the Moderate PN program investment option at issue. On the 1st contract anniversary, you elect to change to the Moderately Aggressive investment option. The target PN program investment option under the contract is the Moderate investment option.


					Hypothetical
Contract					Assumed
Duration	Purchase		Partial		Contract		Basic Withdrawal Benefit										Lifetime Withdrawal Benefit
in Years	Payments		Withdrawals		Value		GBA			RBA			GBP		RBP		ALP			RALP


At Issue	$	100,000	$	N/A	$	100,000	$	100,000		$	100,000		$	7,000	$	7,000	$	N/A		$	N/A

0.5		0		5,000		92,000		100,000			95,000			7,000		2,000		N/A			N/A

1		0		0		90,000		90,000	⁽¹⁾		90,000	⁽¹⁾		6,300		6,300		N/A			N/A

2		0		0		81,000		90,000			90,000			6,300		6,300		N/A			N/A

5		0		0		75,000		90,000			90,000			6,300		6,300		5,400	⁽²⁾		5,400	⁽²⁾

5.5		0		5,400		70,000		90,000			84,600			6,300		900		5,400			0

6		0		0		69,000		90,000			84,600			6,300		6,300		5,400			5,400

6.5		0		6,300		62,000		90,000			78,300			6,300		0		3,720	⁽³⁾		0

7		0		0		64,000		90,000			78,300			6,300		6,300		3,840			3,840

7.5		0		10,000		51,000		51,000	⁽⁴⁾		51,000	⁽⁴⁾		3,570		0		3,060	⁽⁴⁾		0

8		0		0		55,000		55,000			55,000			3,850		3,850		3,300			3,300

At this point, assuming no additional activity (step ups, excess withdrawals, purchase payments, spousal continuation, contract ownership change, or PN program investment option changes), you can continue to withdraw up to either the GBP of $3,850 each year until the RBA is reduced to zero, or the ALP of $3,300 each year until the later of your death or the RBA is reduced to zero.


⁽¹⁾		Allocation to the Moderately Aggressive investment option during a withdrawal phase will reset the benefit. The GBA is reset to the lesser of the prior GBA or the contract value. The RBA is reset to the lesser of the prior RBA or the contract value. The ALP (if established) is reset to the lesser of the prior ALP or 6% of the contract value. Any future withdrawals will reallocate your contract value to the Moderate investment option if you are invested more aggressively than the Moderate investment option.
⁽²⁾		The ALP and RALP are established on the contract anniversary date following the date the covered person reaches age 65 as 6% of the RBA.
⁽³⁾		The $6,300 withdrawal is greater than the $5,400 RALP allowed under the lifetime withdrawal benefit and therefore the excess withdrawal processing is applied to the ALP, resetting the ALP to the lesser of the prior ALP or 6% of the contract value following the withdrawal.
⁽⁴⁾		The $10,000 withdrawal is greater than both the $6,300 RBP allowed under the basic withdrawal benefit and the $3,840 RALP allowed under the lifetime withdrawal benefit and therefore the excess withdrawal processing is applied to the GBA, RBA, and ALP. The GBA is reset to the lesser of the prior GBA or the contract value following the withdrawal. The RBA is reset to the lesser of the prior RBA less the withdrawal or the contract value following the withdrawal. The ALP is reset to the lesser of the prior ALP or 6% of the contract value following the withdrawal.


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 109

Example #2: Single Life Benefit: Covered Person has reached 65 at the time the contract and rider are purchased.

Assumptions:


•	You purchase the contract with a payment of $100,000 and make no additional payments to the contract.

•	You are the sole owner and also the annuitant. You are age 65.

•	Automatic annual step-ups are applied each anniversary when available, where the contract value is greater than the RBA and/or 6% of the contract value is greater than the ALP. Applied annual step-ups are indicated in bold.

•	Your death occurs after 61/2 contract years and your spouse continues the contract and rider. Your spouse is over age 65 and is the new covered person.


					Hypothetical
Contract					Assumed
Duration	Purchase		Partial		Contract		Basic Withdrawal Benefit											Lifetime Withdrawal Benefit
in Years	Payments		Withdrawals		Value		GBA			RBA			GBP		RBP			ALP			RALP


At Issue	$	100,000	$	N/A	$	100,000	$	100,000		$	100,000		$	7,000	$	7,000		$	6,000		$	6,000

1		0		0		105,000		105,000			105,000			7,350		7,000	⁽¹⁾		6,300			6,000	⁽¹⁾

2		0		0		110,000		110,000			110,000			7,700		7,000	⁽¹⁾		6,600			6,000	⁽¹⁾

3		0		0		110,000		110,000			110,000			7,700		7,700	⁽²⁾		6,600			6,600	⁽²⁾

3.5		0		6,600		110,000		110,000			103,400			7,700		1,100			6,600			0

4		0		0		115,000		115,000			115,000			8,050		8,050			6,900			6,900

4.5		0		8,050		116,000		115,000			106,950			8,050		0			6,900	⁽³⁾		0

5		0		0		120,000		120,000			120,000			8,400		8,400			7,200			7,200

5.5		0		10,000		122,000		120,000	⁽⁴⁾		110,000	⁽⁴⁾		8,400		0			7,200	⁽⁴⁾		0

6		0		0		125,000		125,000			125,000			8,750		8,750			7,500			7,500

6.5		0		0		110,000		125,000			125,000			8,750		8,750			6,600	⁽⁵⁾		6,600	⁽⁵⁾

7		0		0		105,000		125,000			125,000			8,750		8,750			6,600			6,600

At this point, assuming no additional activity (step ups, excess withdrawals, purchase payments, contract ownership change, or PN program investment option changes), your spouse can continue to withdraw up to either the GBP of $8,750 each year until the RBA is reduced to zero, or the ALP of $6,600 each year until the later of your spouse’s death or the RBA is reduced to zero.


⁽¹⁾		The annual step-up has not been applied to the RBP or RALP because any withdrawal after step up during the waiting period would reverse any prior step ups prior to determining if the withdrawal is excess. Therefore, during the waiting period, the RBP is the amount you can withdraw without incurring the GBA and RBA excess withdrawal processing, and the RALP is the amount you can withdraw without incurring the ALP excess withdrawal processing.
⁽²⁾		On the third anniversary (after the end of the waiting period), the RBP and RALP are set equal to the GBP and ALP, respectively.
⁽³⁾		The $8,050 withdrawal is greater than the $6,900 RALP allowed under the lifetime withdrawal benefit and therefore the excess withdrawal processing is applied to the ALP, resetting the ALP to the lesser of the prior ALP or 6% of the contract value following the withdrawal.
⁽⁴⁾		The $10,000 withdrawal is greater than both the $8,400 RBP allowed under the basic withdrawal benefit and the $7,200 RALP allowed under the lifetime withdrawal benefit and therefore the excess withdrawal processing is applied to the GBA, RBA, and ALP. The GBA is reset to the lesser of the prior GBA or the contract value following the withdrawal. The RBA is reset to the lesser of the prior RBA less the withdrawal or the contract value following the withdrawal. The ALP is reset to the lesser of the prior ALP or 6% of the contract value following the withdrawal.
⁽⁵⁾		At spousal continuation, the ALP is reset to the lesser of the prior ALP or 6% of the contract value and the RALP is reset to the ALP.

110 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

Example #3: Joint Life Benefit: Younger Covered Spouse has not reached 65 at the time the contract and rider are purchased.

Assumptions:


•	You purchase the contract with a payment of $100,000 and make no additional payments to the contract.

•	You are age 59 and your spouse is age 60.

•	Automatic annual step-ups are applied each anniversary when available, where the contract value is greater than the RBA and/or 6% of the contract value is greater than the ALP. Applied annual step-ups are indicated in bold.

•	You elect the Moderate PN program investment option at issue. On the 1st contract anniversary, you elect to change to the Moderately Aggressive investment option. The target investment option under the contract is the Moderate investment option.

•	Your death occurs after 91/2 contract years and your spouse continues the contract and rider; the lifetime benefit is not reset.


					Hypothetical
Contract					Assumed
Duration	Purchase		Partial		Contract		Basic Withdrawal Benefit										Lifetime Withdrawal Benefit
in Years	Payments		Withdrawals		Value		GBA			RBA			GBP		RBP		ALP			RALP


At Issue	$	100,000	$	N/A	$	100,000	$	100,000		$	100,000		$	7,000	$	7,000	$	N/A		$	N/A

0.5		0		5,000		92,000		100,000			95,000			7,000		2,000		N/A			N/A

1		0		0		90,000		90,000	⁽¹⁾		90,000	⁽¹⁾		6,300		6,300		N/A			N/A

2		0		0		81,000		90,000			90,000			6,300		6,300		N/A			N/A

6		0		0		75,000		90,000			90,000			6,300		6,300		5,400	⁽²⁾		5,400	⁽²⁾

6.5		0		5,400		70,000		90,000			84,600			6,300		900		5,400			0

7		0		0		69,000		90,000			84,600			6,300		6,300		5,400			5,400

7.5		0		6,300		62,000		90,000			78,300			6,300		0		3,720	⁽³⁾		0

8		0		0		64,000		90,000			78,300			6,300		6,300		3,840			3,840

8.5		0		10,000		51,000		51,000	⁽⁴⁾		51,000	⁽⁴⁾		3,570		0		3,060	⁽⁴⁾		0

9		0		0		55,000		55,000			55,000			3,850		3,850		3,300			3,300

9.5		0		0		54,000		55,000			55,000			3,850		3,850		3,300			3,300

10		0		0		52,000		55,000			55,000			3,850		3,850		3,300			3,300

At this point, assuming no additional activity (step ups, excess withdrawals, purchase payments, or PN program investment option changes), your spouse can continue to withdraw up to either the GBP of $3,850 each year until the RBA is reduced to zero, or the ALP of $3,300 each year until the later of your spouse’s death or the RBA is reduced to zero.


⁽¹⁾		The ALP and RALP are established on the contract anniversary date following the date the younger covered spouse reaches age 65 as 6% of the RBA.
⁽²⁾		Allocation to the Moderately Aggressive investment option during a withdrawal phase will reset the benefit. The GBA is reset to the lesser of the prior GBA or the contract value. The RBA is reset to the lesser of the prior RBA or the contract value. The ALP is reset to the lesser of the prior ALP or 6% of the contract value. Any future withdrawals will reallocate your contract value to the Moderate investment option if you are invested more aggressively than the Moderate investment option.
⁽³⁾		The $6,300 withdrawal is greater than the $5,400 RALP allowed under the lifetime withdrawal benefit and therefore the excess withdrawal processing is applied to the ALP, resetting the ALP to the lesser of the prior ALP or 6% of the contract value following the withdrawal.
⁽⁴⁾		The $10,000 withdrawal is greater than both the $6,300 RBP allowed under the basic withdrawal benefit and the $3,840 RALP allowed under the lifetime withdrawal benefit and therefore the excess withdrawal processing is applied to the GBA, RBA, and ALP. The GBA is reset to the lesser of the prior GBA or the contract value following the withdrawal. The RBA is reset to the lesser of the prior RBA less the withdrawal or the contract value following the withdrawal. The ALP is reset to the lesser of the prior ALP or 6% of the contract value following the withdrawal.


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 111

Example #4: Joint Life Benefit: Younger Covered Spouse has reached 65 at the time the contract and rider are purchased.

Assumptions:


•	You purchase the contract with a payment of $100,000 and make no additional payments to the contract.

•	You are age 71 and your spouse is age 70.

•	Automatic annual step-ups are applied each anniversary when available, where the contract value is greater than the RBA and/or 6% of the contract value is greater than the ALP. Applied annual step-ups are indicated in bold.

•	Your death occurs after 61/2 contract years and your spouse continues the contract and rider; the lifetime benefit is not reset.


					Hypothetical
Contract					Assumed
Duration	Purchase		Partial		Contract		Basic Withdrawal Benefit											Lifetime Withdrawal Benefit
in Years	Payments		Withdrawals		Value		GBA			RBA			GBP		RBP			ALP			RALP


At Issue	$	100,000	$	N/A	$	100,000	$	100,000		$	100,000		$	7,000	$	7,000		$	6,000		$	6,000

1		0		0		105,000		105,000			105,000			7,350		7,000	⁽¹⁾		6,300			6,000	⁽¹⁾

2		0		0		110,000		110,000			110,000			7,700		7,000	⁽¹⁾		6,600			6,000	⁽¹⁾

3		0		0		110,000		110,000			110,000			7,700		7,700	⁽²⁾		6,600			6,600	⁽²⁾

3.5		0		6,600		110,000		110,000			103,400			7,700		1,100			6,600			0

4		0		0		115,000		115,000			115,000			8,050		8,050			6,900			6,900

4.5		0		8,050		116,000		115,000			106,950			8,050		0			6,900	⁽³⁾		0

5		0		0		120,000		120,000			120,000			8,400		8,400			7,200			7,200

5.5		0		10,000		122,000		120,000	⁽⁴⁾		110,000	⁽⁴⁾		8,400		0			7,200	⁽⁴⁾		0

6		0		0		125,000		125,000			125,000			8,750		8,750			7,500			7,500

6.5		0		0		110,000		125,000			125,000			8,750		8,750			7,500			7,500

7		0		0		105,000		125,000			125,000			8,750		8,750			7,500			7,500

At this point, assuming no additional activity (step ups, excess withdrawals, purchase payments, or PN program investment option changes), your spouse can continue to withdraw up to either the GBP of $8,750 each year until the RBA is reduced to zero, or the ALP of $7,500 each year until the later of your spouse’s death or the RBA is reduced to zero


⁽¹⁾		The annual step-up has not been applied to the RBP or RALP because any withdrawal after step up during the waiting period would reverse any prior step ups prior to determining if the withdrawal is excess. Therefore, during the waiting period, the RBP is the amount you can withdraw without incurring the GBA and RBA excess withdrawal processing, and the RALP is the amount you can withdraw without incurring the ALP excess withdrawal processing.
⁽²⁾		On the third anniversary (after the end of the waiting period), the RBP and RALP are set equal to the GBP and ALP, respectively.
⁽³⁾		The $8,050 withdrawal is greater than the $6,900 RALP allowed under the lifetime withdrawal benefit and therefore the excess withdrawal processing is applied to the ALP, resetting the ALP to the lesser of the prior ALP or 6% of the contract value following the withdrawal.
⁽⁴⁾		The $10,000 withdrawal is greater than both the $8,400 RBP allowed under the basic withdrawal benefit and the $7,200 RALP allowed under the lifetime withdrawal benefit and therefore the excess withdrawal processing is applied to the GBA, RBA, and ALP. The GBA is reset to the lesser of the prior GBA or the contract value following the withdrawal. The RBA is reset to the lesser of the prior RBA less the withdrawal or the contract value following the withdrawal. The ALP is reset to the lesser of the prior ALP or 6% of the contract value following the withdrawal.

112 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

Appendix F: Additional RMD Disclosure

This appendix describes our current administrative practice for determining the amount of withdrawals in any contract year which an owner may take under the SecureSource rider or GWB for Life rider to satisfy the RMD rules under 401(a)(9) of the Code without application of the excess withdrawal processing described in the rider. We reserve the right to modify this administrative practice at any time upon 30 days’ written notice to you.

For SecureSource Flex riders, owners subject to annual RMD rules under the Section 401(a)(9) of the Code, withdrawing from this contract during the waiting period to satisfy these rules will set your benefits to zero. Amounts you withdraw from this contract (for SecureSource Flex riders, amounts you withdraw from this contract after the waiting period) to satisfy these rules are not subject to excess withdrawal processing under the terms of the rider, subject to the following rules and our current administrative practice:


(1)	If on the date we calculated your Annual Life Expectancy Required Minimum Distribution Amount (ALERMDA), it is greater than the RBP from the beginning of the current contract year ⁽¹⁾


	•	Basic Additional Benefit Amount (BABA) will be set equal to that portion of your ALERMDA that exceeds the value of the RBP from the beginning of the current contract year. ⁽¹⁾

	•	Any withdrawals taken in a contract year will count first against and reduce the RBP for that contract year. These withdrawals will not be considered excess withdrawals as long as they do not exceed combined RBP and BABA values.

	•	Once the RBP for the current contract year has been depleted, any additional amounts withdrawn will count against and reduce the BABA. These withdrawals will not be considered excess withdrawals with regard to the GBA and RBA as long as they do not exceed the remaining BABA.

	•	Once the BABA has been depleted, any additional withdrawal amounts will be considered excess withdrawals with regard to the GBA and RBA and will subject them all to the excess withdrawal processing described by the SecureSource rider or GWB for Life rider.


(2)	If on the date we calculated your ALERMDA, it is greater than the RALP from the beginning of the current contract year⁽¹⁾,


	•	A Lifetime Additional Benefit Amount (LABA) will be set equal to that portion of your ALERMDA that exceeds the value of RALP from the beginning of the current contract year⁽¹⁾.

	•	Any withdrawals taken in a contract year will count first against and reduce the RALP for that contract year. These withdrawals will not be considered excess withdrawals as long as they do not exceed combined RALP and LABA values.

	•	Once the RALP for the current contract year has been depleted, any additional amounts withdrawn will count against and reduce the LABA. These withdrawals will not be considered excess withdrawals with regard to the ALP as long as they do not exceed the remaining LABA.

	•	Once the LABA has been depleted, any additional withdrawal amounts will be considered excess withdrawals with regard to the ALP and will subject the ALP to the excess withdrawal processing described by the SecureSource or GWB for Life rider.


(3)	If the ALP is established on a contract anniversary where your current ALERMDA is greater than the new RALP,


	•	An initial LABA will be set equal to that portion of your ALERMDA that exceeds the new RALP.

	•	This new LABA will be immediately reduced by the amount that total withdrawals in the current calendar year exceed the new RALP, but shall not be reduced to less than zero.


⁽¹⁾		For SecureSource Flex riders, adjusted for any subsequent changes between 5% and 6% as described under “GBP Percentage and ALP Percentage.”

The ALERMDA is:


(1)	determined by us each calendar year (for SecureSource Flex riders, starting with the one in which the waiting period ends);

(2)	based on your initial purchase payment and not the entire interest value in the calendar year of contract issue and therefore may not be sufficient to allow you to withdraw your RMD without causing an excess withdrawal;

(3)	based solely on the value of the contract to which the SecureSource rider is attached as of the date we make the determination;

(4)	based on your recalculated life expectancy taken from the Uniform Lifetime Table under the Code (applicable only to SecureSource riders); and


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 113

Appendix G: Guarantor Withdrawal Benefit for Life Rider Disclosure

GUARANTOR WITHDRAWAL BENEFIT FOR LIFE (GWB FOR LIFE) RIDER

The GWB for Life rider is no longer available for sale.

The GWB for Life rider is an optional benefit that you may select for an additional annual charge if:


•	the rider is available in your state; and

•	you are age 80 or younger on the contract issue date; or, if an owner is a nonnatural person, then the annuitant is age 80 or younger on the contract issue date.

The GWB for Life rider is not available under an inherited qualified annuity.

You must have elected the GWB for Life rider when you purchased your contract. The rider effective date will be the contract issue date. It is available for nonqualified annuities and qualified annuities except under 401(a) plans.

The GWB for Life rider guarantees that you will be able to withdraw up to a certain amount each year from the contract, regardless of the investment performance of your contract before the annuity payments begin, until you have recovered at minimum all of your purchase payments plus any purchase payment credits. And, under certain limited circumstances defined in the rider, you have the right to take a specified amount of partial withdrawals in each contract year until death (see “At Death” heading below) — even if the contract value is zero.

Your contract provides for annuity payouts to begin on the settlement date (see “Buying Your Contract — Settlement Date”). Before the settlement date, you have the right to surrender some or all of your contract value, less applicable administrative, surrender and rider charges imposed under the contract at the time of the surrender (see “Surrenders”). Because your contract value will fluctuate depending on the performance of the underlying funds in which the subaccounts invest, the contract itself does not guarantee that you will be able to take a certain surrender amount each year before the annuity payouts begin, nor does it guarantee the length of time over which such surrenders can be made before the annuity payouts begin.

The GWB for Life rider may be appropriate for you if you intend to make periodic withdrawals from your annuity contract and wish to ensure that market performance will not adversely affect your ability to withdraw your principal over time.

Under the terms of the GWB for Life rider, the calculation of the amount which can be withdrawn in each contract year varies depending on several factors, including but not limited to the waiting period (see “Waiting period” heading below) and whether or not the lifetime withdrawal benefit has become effective:


(1)	The basic withdrawal benefit gives you the right to take limited partial withdrawals in each contract year and guarantees that over time the withdrawals will total an amount equal to, at minimum, your purchase payments plus any purchase payment credits. Key terms associated with the basic withdrawal benefit are “Guaranteed Benefit Payment (GBP),” “Remaining Benefit Payment (RBP),” “Guaranteed Benefit Amount (GBA),” and “Remaining Benefit Amount (RBA).” See these headings below for more information.

(2)	The lifetime withdrawal benefit gives you the right, under certain limited circumstances defined in the rider, to take limited partial withdrawals until the later of death (see “At Death” heading below) or until the RBA (under the basic withdrawal benefit)is reduced to zero. Key terms associated with the lifetime withdrawal benefit are “Annual Lifetime Payment (ALP),” “Remaining Annual Lifetime Payment (RALP),” “Covered Person,” and “Annual Lifetime Payment Attained Age (ALPAA).” See these headings below for more information.

Only the basic withdrawal benefit will be in effect prior to the date that the lifetime withdrawal benefit becomes effective. The lifetime withdrawal benefit becomes effective automatically on the rider anniversary date after the covered person reaches age 65 or the rider effective date if the covered person is age 65 or older on the rider effective date (see “Annual Lifetime Payment Attained Age (ALPAA)” heading below).

Provided the annuity payouts have not begun, the GWB for Life rider guarantees that you may take the following partial withdrawal amounts each contract year:


•	After the waiting period and before the establishment of the ALP, the rider guarantees that each contract year you can cumulatively withdraw an amount equal to the GBP;

•	During the waiting period and before the establishment of the ALP, the rider guarantees that each contract year you can cumulatively withdraw an amount equal to the value of the RBP at the beginning of the contract year;

•	After the waiting period and after the establishment of the ALP, the rider guarantees that each contract year you have the option to cumulatively withdraw an amount equal to the ALP or the GBP, but the rider does not guarantee withdrawals of the sum of both the ALP and the GBP in a contract year;


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•	During the waiting period and after the establishment of the ALP, the rider guarantees that each contract year you have the option to cumulatively withdraw an amount equal to the value of the RALP or the RBP at the beginning of the contract year, but the rider does not guarantee withdrawals of the sum of both the RALP and the RBP in a contract year.

If you withdraw less than the allowed partial withdrawal amount in a contract year, the unused portion cannot be carried over to the next contract year. As long as your partial withdrawals in each contract year do not exceed the annual partial withdrawal amount allowed under the rider, and there has not been a contract ownership change or spousal continuation of the contract, the guaranteed amounts available for partial withdrawals are protected (i.e., will not decrease).

If you withdraw more than the allowed partial withdrawal amount in a contract year, we call this an “excess withdrawal” under the rider. Excess withdrawals trigger an adjustment of a benefit’s guaranteed amount, which may cause it to be reduced (see “GBA Excess Withdrawal Processing”, “RBA Excess Withdrawal Processing”, and “ALP Excess Withdrawal Processing” headings below).

Please note that each of the two benefits has its own definition of the allowed annual withdrawal amount. Therefore, a partial withdrawal may be considered an excess withdrawal for purposes of the lifetime withdrawal benefit only, basic benefit only, or both.

If your withdrawals exceed the greater of the RBP or the RALP, surrender charges under the terms of the contract may apply (see “Charges — Surrender Charges”). The amount we actually deduct from your contract value will be the amount you request plus any applicable surrender charge. Market value adjustments, if applicable, will also be made (see “Guarantee Period Accounts (GPAs) — Market Value Adjustment”). We pay you the amount you request. Any partial withdrawals you take under the contract will reduce the value of the death benefits. (see “Benefits in Case of Death” and “Optional Benefits”). Upon full surrender of the contract, you will receive the remaining contract value less any applicable charges (see “Surrenders”).

The rider’s guaranteed amounts can be increased at the specified intervals if your contract value has increased. An annual step up feature is available at each contract anniversary, subject to certain conditions, and may be applied automatically to your contract or may require you to elect the step up (see “Annual Step Up” heading below). If you exercise the annual step up election, the spousal continuation step up election (see “Spousal Continuation Step Up” heading below) or change your PN program investment option, the rider charge may increase (see “Charges”).

If you take withdrawals during the waiting period, any prior steps ups applied will be reversed and step ups will not be available until the end of waiting period. You may take withdrawals after the waiting period without reversal of prior step ups.

You should consider whether the GWB for Life rider is appropriate for you because:


•	Lifetime Withdrawal Benefit Limitations: The lifetime withdrawal benefit is subject to certain limitations, including but not limited to:


	(a)	Once the contract value is less than $600*, payments are made for as long as the oldest owner or, if an owner is a nonnatural person, the oldest annuitant, is living (see “If Contract Value Reduces to Less than $600” heading below). However, if the contract value is $600 or greater, the lifetime withdrawal benefit terminates when a death benefit becomes payable (see “At Death” heading below). Therefore, if there are multiple contract owners, the rider may terminate or the lifetime benefit may be reduced. When one of the contract owners dies the benefit terminates even though other contract owners are still living (except, if the contract is continued under the spousal continuation provision of the contract).


*		Under our current administrative practice, we allow the minimum contract value to be $0. Therefore, these limitations will only apply when the contract value is reduced to zero.


	(b)	Excess withdrawals can reduce the ALP to zero even though the GBA, RBA, GBP and/or RBP values are greater than zero. If the both the ALP and the contract value are zero, the lifetime withdrawal benefit will terminate.


	(c)	When the lifetime withdrawal benefit is first established, the initial ALP is based on the basic withdrawal benefit’s RBA at that time (see “Annual Lifetime Payment (ALP)” heading below), unless there has been a spousal continuation or ownership change. Any withdrawal you take before the ALP is established reduces the RBA and therefore may result in a lower amount of lifetime withdrawals you are allowed to take.


	(d)	Withdrawals can reduce both the contract value and the RBA to zero prior to the establishment of the ALP. If this happens, the contract and the GWB for Life rider will terminate.

•

Investment Allocation Restrictions: You must be invested in one of the approved investment options. This requirement limits your choice of investments. You may allocate qualifying purchase payments and applicable purchase payment credits to the Special DCA fixed account, when available (see “The Special DCA Fixed Account”), and we will make monthly transfers into the investment option you have chosen. This means you will not be able to allocate contract value to all of the

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subaccounts, GPAs or the regular fixed account that are available under the contract to contract owners who do not elect this rider. (See “Making the Most of Your Contract — Portfolio Navigator Program and Portfolio Stabilizer Funds”.) Subject to state restrictions, we reserve the right to limit the number of investment options from which you can select based on the dollar amount of purchase payments you make.


•	Limitations on Purchase Payments: We reserve the right to limit the cumulative amount of purchase payments, subject to state restrictions. For current limitation, see “Buying Your Contract — Purchase Payments”.

•	Limitations on Purchase of Other Riders under this Contract: If you select the GWB for Life rider, you may not elect the Accumulation Benefit rider.

•	Non-Cancelable: Once elected, the GWB for Life rider may not be cancelled and the fee will continue to be deducted until the contract is terminated, the contract value reduces to zero (described below) or annuity payouts begin.

•	Interaction with Total Free Amount (TFA) contract provision: The TFA is the amount you are allowed to withdraw from the contract in each contract year without incurring a surrender charge (see “Charges — Surrender Charge”). The TFA may be greater than the RBP or RALP under this rider. Any amount you withdraw under the contract’s TFA provision that exceeds the RBP or RALP is subject to the excess withdrawal processing described below for the GBA, RBA and ALP.

•	You should consult your tax advisor before you select this optional rider if you have any questions about the use of this rider in your tax situation:

•	Tax Considerations for Nonqualified Annuities: Under current federal income tax law, withdrawals under nonqualified annuities, including partial withdrawals taken from the contract under the terms of this rider, are treated less favorably than amounts received as annuity payments under the contract. (See “Taxes — Nonqualified Annuities”.) Withdrawals are taxable income to the extent of earnings. Withdrawals of earnings before age 591/2 may incur a 10% IRS early withdrawal penalty. You should consult your tax advisor before you select this optional rider if you have any questions about the use of this rider in your tax situation.

•	Tax Considerations for Qualified Annuities: Qualified annuities have minimum distribution rules that govern the timing and amount of distributions from the annuity contract (see “Taxes — Qualified Annuities — Required Minimum Distributions.”) If you have a qualified annuity, you may need to take an RMD that exceeds the guaranteed amount of withdrawal available under the rider and such withdrawals may reduce future benefits guaranteed under the rider. While the rider permits certain excess withdrawals to be made for the purpose of satisfying RMD requirements for this contract alone without reducing future benefits guaranteed under the rider, there can be no guarantee that changes in the federal income tax law after the effective date of the rider will not require a larger RMD to be taken, in which case, future guaranteed withdrawals under the rider could be reduced. You should consult your tax advisor before you select this optional rider if you have any questions about the use of this rider in your tax situation.

•	See Appendix F for additional information.

•	Tax Considerations for TSAs: If your contract is a TSA, your right to take a surrender is restricted (see “TSA — Special Provisions”).

•

Key terms and provisions of the GWB for Life rider are described below:

Withdrawal: For the purposes of this rider, the term “withdrawal” is equal to the term “surrender” in the contract or any other riders. Withdrawals will adjust contract values and benefits in the same manner as surrenders.

Partial Withdrawals: A withdrawal of an amount that does not result in a surrender of the contract. The partial withdrawal amount is a gross amount and will include any surrender charge and any market value adjustment.

Waiting Period: The period of time starting on the rider effective date during which the annual step up is not available if you take withdrawals. The current waiting period is three years.

Guaranteed Benefit Amount (GBA): The total cumulative amount available for partial withdrawals over the life of the rider under the basic withdrawal benefit. The maximum GBA is $5,000,000. The GBA cannot be withdrawn and is not payable as a death benefit. Rather, the GBA is an interim value used to calculate the amount available for withdrawals each year under the basic withdrawal benefit (see “Guaranteed Benefit Payment” below). At any time, the total GBA is the sum of the individual GBAs associated with each purchase payment.

The GBA is determined at the following times, calculated as described:


•	At contract issue — the GBA is equal to the initial purchase payment, plus any purchase payment credit;


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•	When you make additional purchase payments — each additional purchase payment has its own GBA equal to the amount of the purchase payment plus any purchase payment credit.

•	At step up — (see “Annual Step Up,” and “Spousal Continuation Step Up” headings below).

•	When an individual RBA is reduced to zero — the GBA that is associated with that RBA will also be set to zero.

•	When you make a partial withdrawal during the waiting period and after a step-up — Any prior annual step-ups will be reversed. Step up reversal means that the GBA associated with each purchase payment will be reset to the amount of that purchase payment plus any purchase payment credit. The step up reversal will only happen once during the waiting period, when the first partial withdrawal is made.

•	When you make a partial withdrawal at any time and the amount withdrawn is:


	(a)	less than or equal to the total RBP — the GBA remains unchanged. If there have been multiple purchase payments, both the total GBA and each payment’s GBA remain unchanged.

	(b)	is greater than the total RBP — GBA excess withdrawal processing will be applied to the GBA. If the partial withdrawal is made during the waiting period, the excess withdrawal processing is applied AFTER any previously applied annual step ups have been reversed.

GBA EXCESS WITHDRAWAL PROCESSING

The total GBA will automatically be reset to the lesser of (a) the total GBA immediately prior to the excess withdrawal; or (b) the contract value immediately following the withdrawal.

If there have been multiple purchase payments, each payment’s GBA after the withdrawal will be reset to equal that payment’s RBA after the withdrawal plus (a) times (b), where:


	(a)	is the ratio of the total GBA after the withdrawal less the total RBA after the withdrawal to the total GBA before the withdrawal less the total RBA after the withdrawal; and


	(b)	is each payment’s GBA before the withdrawal less that payment’s RBA after the withdrawal.

Remaining Benefit Amount (RBA): Each withdrawal you make reduces the amount of GBA that is guaranteed by this rider as future withdrawals. At any point in time, the RBA equals the amount of GBA that remains available for withdrawals for the remainder of the contract’s life, and total RBA is the sum of the individual RBAs associated with each purchase payment. The maximum RBA is $5,000,000.

The RBA is determined at the following times, calculated as described:


•	At contract issue — the RBA is equal to the initial purchase payment plus any purchase payment credit.

•	When you make additional purchase payments — each additional purchase payment has its own RBA initially set equal to that payment’s GBA (the amount of the purchase payment plus any purchase payment credit).

•	At step up — (see “Annual Step Up,” and “Spousal Continuation Step Up” headings below).

•	When you make a partial withdrawal during the waiting period and after a step up — Any prior annual step ups will be reversed. Step up reversal means that the RBA associated with each purchase payment will be reset to the amount of that purchase payment plus any purchase payment credit. The step up reversal will only happen once during the waiting period, when the first partial withdrawal is made.

•	When you make a partial withdrawal at any time and the amount withdrawn is:


	(a)	less than or equal to the total RBP — the total RBA is reduced by the amount of the withdrawal. If there have been multiple purchase payments, each payment’s RBA is reduced in proportion to its RBP.

	(b)	is greater than the total RBP — RBA excess withdrawal processing will be applied to the RBA. If the partial withdrawal is made during the waiting period, the excess withdrawal processing is applied AFTER any previously applied annual step ups have been reversed.

RBA EXCESS WITHDRAWAL PROCESSING


1.	The withdrawal amount up to the total RBP is taken out of each RBA bucket in proportion to its individual RBP at the time of the withdrawal; and

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2.	The withdrawal amount above the total RBP and any amount determined by the excess withdrawal processing are taken out of each RBA bucket in proportion to its RBA at the time of the withdrawal.

Guaranteed Benefit Payment (GBP): At any time, the amount available for partial withdrawals in each contract year after the waiting period, until the RBA is reduced to zero, under the basic withdrawal benefit. At any point in time, each purchase payment has its own GBP, which is equal to the lesser of that payment’s RBA or 7% of that payment’s GBA, and the total GBP is the sum of the individual GBPs.

During the waiting period, the guaranteed annual withdrawal amount may be less than the GBP due to the limitations the waiting period imposes on your ability to utilize both annual step ups and withdrawals (see “Waiting Period” heading above). The guaranteed annual withdrawal amount during the waiting period is equal to the value of the RBP at the beginning of the contract year.

The GBP is determined at the following times, calculated as described:


•	At contract issue — the GBP is established as 7% of the GBA value.

•	At each contract anniversary — each payment’s GBP is reset to the lesser of that payment’s RBA or 7% of that payment’s GBA value.

•	When you make additional purchase payments — each additional purchase payment has its own GBP equal to that purchase payment amount plus any purchase payment credit, multiplied by 7%.

•	At step up — (see “Annual Step Up,” and “Spousal Continuation Step Up” headings below).

•	When an individual RBA is reduced to zero — the GBP associated with that RBA will also be reset to zero.

•	When you make a partial withdrawal during the waiting period and after a step up — Any prior annual step ups will be reversed. Step up reversal means that the GBA and the RBA associated with each purchase payment will be reset to the amount of that purchase payment. Each payment’s GBP will be reset to the sum of that purchase payment and any purchase payment credit, multiplied by 7%. The step up reversal will only happen once during the waiting period, when the first partial withdrawal is made.

•	When you make a partial withdrawal at any time and the amount withdrawn is:


	(a)	less than or equal to the total RBP — the GBP remains unchanged.

	(b)	is greater than the total RBP — each payment’s GBP is reset to the lesser of that payment’s RBA or 7% of that payment’s GBA value, based on the RBA and GBA after the withdrawal. If the partial withdrawal is made during the waiting period, these calculations are done AFTER any previously applied annual step ups have been reversed.

Remaining Benefit Payment (RBP): The amount available for partial withdrawals for the remainder of the contract year under the basic withdrawal benefit. At any point in time, the total RBP is the sum of the RBPs for each purchase payment. During the waiting period, when the guaranteed amount may be less than the GBP, the value of the RBP at the beginning of the contract year will be that amount that is actually guaranteed each contract year.

The RBP is determined at the following times, calculated as described:


•	At the beginning of each contract year during the waiting period and prior to any withdrawal — the RBP for each purchase payment is set equal to that purchase payment plus any purchase payment credit, multiplied by 7%.

•	At the beginning of any other contract year — the RBP for each purchase payment is set equal to that purchase payment’s GBP.

•	When you make additional purchase payments — each additional purchase payment has its own RBP equal to that payment’s GBP.

•	At step up — (see “Annual Step Up” and “Spousal Continuation Step Up” headings below).

•	At spousal continuation — See “Spousal Option to Continue the Contract” heading below.

•	When an individual RBA is reduced to zero — the RBP associated with that RBA will also be reset to zero.

•	When you make any partial withdrawal — the total RBP is reset to equal the total RBP immediately prior to the partial withdrawal less the amount of the partial withdrawal, but not less than zero. If there have been multiple purchase payments, each payment’s RBP is reduced proportionately. If you withdraw an amount greater than the RBP, GBA excess withdrawal processing and RBA excess withdrawal processing are applied and the amount available for the future partial withdrawals for the remainder of the contract’s life may be reduced by more than the amount of withdrawal. When determining if a withdrawal will result in the excess withdrawal processing, the applicable RBP will not yet reflect the amount of the current withdrawal.

Covered Person: The person whose life is used to determine when the ALP is established, and the duration of the ALP payments. The covered person is the oldest contract owner unless otherwise specified on your contract data page. If an owner


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is a nonnatural person (i.e. trust or corporation), the covered person is the oldest annuitant. A spousal continuation or a change of contract ownership may reduce the amount of the lifetime withdrawal benefit and may change the covered person.

Annual Lifetime Payment Attained Age (ALPAA): The covered person’s age after which time the lifetime benefit can be established. Currently, the lifetime benefit can be established on the later of the contract effective date or the contract anniversary date on/following the date the covered person reaches age 65.

Annual Lifetime Payment (ALP): Once established, the ALP at any time is the amount available for withdrawals in each contract year after the waiting period until the later of death (see “At Death” heading below), or the RBA is reduced to zero, under the lifetime withdrawal benefit. The maximum ALP is $300,000. Prior to establishment of the ALP, the lifetime withdrawal benefit is not in effect and the ALP is zero.

During the waiting period, the guaranteed annual lifetime withdrawal amount may be less than the ALP due to the limitations the waiting period imposes on your ability to utilize both annual step-ups and withdrawals (see “Waiting Period” heading above). The guaranteed annual lifetime withdrawal amount during the waiting period is equal to the value of the RALP at the beginning of the contract year.

The ALP is determined at the following times:


•	The later of the contract effective date or the contract anniversary date on/following the date the covered person reaches age 65 — the ALP is established as 6% of the total RBA.

•	When you make additional purchase payments — each additional purchase payment increases the ALP by the amount of the purchase payment plus any purchase payment credit, multiplied by 6%.

•	At step ups — (see “Annual Step Up” and “Spousal Continuation Step Up” headings below).

•	At contract ownership change — (see “Spousal Option to Continue the Contract” and “Contract Ownership Change” headings below).

•	When you make a partial withdrawal during the waiting period and after a step up — Any prior annual step ups will be reversed. Step up reversal means that the ALP will be reset to equal total purchase payments plus any purchase payment credits, multiplied by 6%. The step up reversal will only happen once during the waiting period, when the first partial withdrawal is made.

•	When you make a partial withdrawal at any time and the amount withdrawn is:


	(a)	less than or equal to the RALP — the ALP remains unchanged.

	(b)	is greater than the RALP — ALP excess withdrawal processing will be applied to the ALP. Please note that if the partial withdrawal is made during the waiting period, the excess withdrawal processing is applied AFTER any previously applied annual step ups have been reversed.

ALP EXCESS WITHDRAWAL PROCESSING

The ALP is reset to the lesser of the ALP immediately prior to the withdrawal, or 6% of the contract value immediately following the withdrawal.

Remaining Annual Lifetime Payment (RALP): The amount available for partial withdrawals for the remainder of the contract year under the lifetime withdrawal benefit. During the waiting period, when the guaranteed annual withdrawal amount may be less than the ALP, the value of the RALP at the beginning of the contract year will be the amount that is actually guaranteed each contract year. Prior to establishment of the ALP, the lifetime withdrawal benefit is not in effect and the RALP is zero.

The RALP is determined at the following times:


•	The later of the contract effective date or the contract anniversary date following the date the covered person reaches age 65, and:


	(a)	During the waiting period and Prior to any withdrawals — the RALP is established equal to the sum of purchase payments and purchase payment credits, multiplied by 6%.

	(b)	At any other time — the RALP is established equal to the ALP.


•	At the beginning of each contract year during the waiting period and prior to any withdrawals — the RALP is set equal to the total purchase payments plus any purchase payment credits, multiplied by 6%.

•	At the beginning of any other contract year — the RALP is set equal to ALP.

•	At step ups — (see “Annual Step Up” and “Spousal Continuation Step Up” headings below).

•	When you make additional purchase payments — each additional purchase payment increases the RALP by the sum of the purchase payment and any purchase payment credit, multiplied by 6%.

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•

When you make any partial withdrawal — the RALP equals the RALP immediately prior to the partial withdrawal less the amount of the partial withdrawal, but not less than zero. If you withdraw an amount greater than the RALP, ALP excess withdrawal processing is applied and the amount available for future partial withdrawals for the remainder of the contract’s life may be reduced by more than the amount of withdrawal. When determining if a withdrawal will result in excess withdrawal processing, the applicable RALP will not yet reflect the amount of the current withdrawal.

Required Minimum Distributions (RMD): If you are taking RMDs from this contract and the RMD calculated separately for this contract is greater than the RBP or the RALP on the most recent contract anniversary, the portion of the RMD that exceeds the RBP or RALP will not be subject to excess withdrawal processing provided that the following conditions are met:


•	The RMD is the life expectancy RMD for this contract alone; and

•	The RMD amount is based on the requirements of the Code section 401(a) (9), related Code provisions and regulations thereunder that were in effect on the effective date of this rider.

RMD rules follow the calendar year which most likely does not coincide with your contract year and therefore may limit when you can take your RMD and not be subject to excess withdrawal processing.

Withdrawal amounts greater than the RBP or RALP on the contract anniversary date that do not meet these conditions will result in excess withdrawal processing as described above.

See Appendix F for additional information.

Step Up Date: The date any step up becomes effective, and depends on the type of step up being applied (see “Annual Step Up” and “Spousal Continuation Step Up” headings below).

Annual Step Up: Beginning with the first contract anniversary, an increase of the GBA, RBA, GBP, RBP, ALP, and/or RALP values may be available. A step up does not create contract value, guarantee the performance of any investment option, or provide a benefit that can be withdrawn or paid upon death. Rather, a step up determines the current values of the GBA, RBA, GBP, RBP, ALP, and RALP, and may extend the payment period or increase the allowable payment.

The annual step up is subject to the following rules:


•	The annual step up is available when the RBA, or if established, the ALP, would increase on the step up date.

•	Only one step up is allowed each contract year.

•	If you take any withdrawals during the waiting period, any previously applied step ups will be reversed and the annual step up will not be available until the end of the waiting period.

•	If the application of the step up does not increase the rider charge, the annual step up will be automatically applied to your contract, and the step up date is the contract anniversary date.

•	If the application of the step up would increase the rider charge, the annual step up is not automatically applied. Instead, you have the option to step up for 30 days after the contract anniversary. If you exercise the elective annual step up option, you will pay the rider charge in effect on the step up date. If you wish to exercise the elective annual step up option, we must receive a request from you or your financial advisor. The step up date is the date we receive your request to step up. If your request is received after the close of business, the step up date will be the next valuation day.

•	The ALP and RALP are not eligible for step ups until they are established. Prior to being established, the ALP and RALP values are both zero.

•	Please note it is possible for the ALP to step up even if the RBA or GBA do not step up and it is also possible for the RBA and GBA to step up even if the ALP does not step up.

The annual step up resets the GBA, RBA, GBP, RBP, ALP and RALP values as follows:


•	The total RBA will be reset to the greater of the total RBA immediately prior to the step up date or the contract value on the step up date.

•	The total GBA will be reset to the greater of the total GBA immediately prior to the step up date or the contract value on the step up date.

•	The total GBP will be reset using the calculation as described above based on the increased GBA and RBA.

•	The total RBP will be reset as follows:


	(a)	During the waiting period and prior to any withdrawals, the RBP will not be affected by the step up.


	(b)	At any other time, the RBP will be reset as the increased GBP less all prior withdrawals made in the current contract year, but not less than zero.


•	The ALP will be reset to the greater of the ALP immediately prior to the step up date or 6% of the contract value on the step up date.


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•	The RALP will be reset as follows:


	(a)	During the waiting period and prior to any withdrawals, the RALP will not be affected by the step up.


	(b)	At any other time, the RALP will be reset as the increased ALP less all prior withdrawals made in the current contract year, but not less than zero.

Spousal Option to Continue the Contract: If a surviving spouse elects to continue the contract and continues the contract as the new owner under the spousal continuation provision of the contract, the GWB for Life rider also continues. When the spouse elects to continue the contract, any remaining waiting period

is cancelled; the covered person will be re-determined and is the covered person referred to below; and the GBA, RBA, GBP, RBP, ALP and RALP values are affected as follows:


•	The GBA, RBA, and GBP values remain unchanged.

•	The RBP is automatically reset to the GBP less all prior withdrawals made in the current contract year, but not less than zero.

•	If the ALP has not yet been established and the new covered person has not yet reached age 65 as of the date of continuation — the ALP will be established on the contract anniversary following the date the covered person reaches age 65 as the lesser of the RBA or the anniversary contract value, multiplied by 6%. The RALP will be established on the same date equal to the ALP.

•	If the ALP has not yet been established but the new covered person is age 65 or older as of the date of continuation — the ALP will be established on the date of continuation as the lesser of the RBA or the contract value, multiplied by 6%. The RALP will be established on the same date in an amount equal to the ALP less all prior partial withdrawals made in the current contract year, but will never be less than zero.

•	If the ALP has been established but the new covered person has not yet reached age 65 as of the date of continuation — the ALP and RALP will be automatically reset to zero for the period of time beginning with the date of continuation and ending with the contract anniversary following the date the covered person reaches age 65. At the end of this time period, the ALP will be reset to the lesser of the RBA or the anniversary contract value, multiplied by 6%, and the RALP will be reset to the ALP.

•	If the ALP has been established and the new covered person is age 65 or older as of the date of continuation — the ALP will be automatically reset to the lesser of the current ALP or 6% of the contract value on the date of continuation. The RALP will be reset to the ALP less all prior withdrawals made in the current contract year, but not less than zero.

Please note that the lifetime withdrawal benefit amount may be reduced as a result of the spousal continuation.

Spousal Continuation Step Up: If a surviving spouse elects to continue the contract, another elective step up option becomes available. To exercise the step up, the spouse or the spouse’s financial advisor must submit a request within 30 days of the date of continuation. The step up date is the date we receive the spouse’s request to step up. If the request is received after the close of business, the step up date will be the next valuation day. The GBA, RBA, GBP, RBP, ALP and RALP will be reset in the same fashion as the annual step up.

If the spousal continuation step up option is exercised and we have increased the charge for the rider, the spouse will pay the charge that is in effect on the step up date.

At the time of spousal continuation, a step-up may be available. All annual step-up rules (see “Annual Step-Up” heading above), other than those that apply to the waiting period, also apply to the spousal continuation step-up. If the spousal continuation step-up is processed automatically, the step-up date is the valuation date the spousal continuation is effective. If not, the spouse must elect the step up and must do so within 30 days of the spousal continuation date. If the spouse elects the spousal continuation step up, the step-up date is the valuation date we receive the spouse’s written request to step up if we receive the request by the close of business on that day, otherwise the next valuation date.

If Contract Value Reduces to Less than $600*: If the contract value reduces to less than $600 and the total RBA remains greater than zero, you will be paid in the following scenarios:


1)	The ALP has not yet been established and the contract value is reduced to less than $600 for any reason other than full or partial surrender of more than the RBP. In this scenario, you can choose to:


	(a)	receive the remaining schedule of GBPs until the RBA equals zero; or

122 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS


	(b)	wait until the rider anniversary on/following the date the covered person reaches age 65, and then receive the ALP annually until the latter of (i) the death of the covered person, or (ii) the RBA is reduced to zero.

We will notify you of this option. If no election is made, the ALP will be paid.


2)	The ALP has been established and the contract value reduces to less than $600 as a result of fees or charges, or a withdrawal that is less than or equal to both the RBP and the RALP. In this scenario, you can choose to receive:


	(a)	the remaining schedule of GBPs until the RBA equals zero; or

(b) the ALP annually until the latter of (i) the death of the covered person, or (ii) the RBA is reduced to zero.

We will notify you of this option. If no election is made, the ALP will be paid.


3)	The ALP has been established and the contract value falls to zero as a result of a withdrawal that is greater than the RALP but less than or equal to the RBP. In this scenario, the remaining schedule of GBPs will be paid until the RBA equals zero.

4)	The ALP has been established and the contract value falls to zero as a result of a partial withdrawal that is greater than the RBP but less than or equal to the RALP. In this scenario, the ALP will be paid annually until the death of the Covered Person.

Under any of these scenarios:


•	The annualized amounts will be paid to you in the frequency you elect. You may elect a frequency offered by us at the time payments begin. Available payment frequencies will be no less frequent than annually.

•	We will no longer accept additional purchase payments;

•	You will no longer be charged for the rider;

•	Any attached death benefit riders will terminate; and

•	The death benefit becomes the remaining payments, if any, until the RBA is reduced to zero.

The GWB for Life rider and the contract will terminate under either of the following two scenarios:


•	If the contract value falls to zero as a result of a withdrawal that is greater than the RBP and RALP. This is full surrender of the contract.

•	If the contract value falls to zero as a result of a withdrawal that is greater than the RALP but less than or equal to the RBP, and the total RBA is reduced to zero.


*		Under the current administrative practice, we allow the minimum contract value to be $0. Therefore, these scenarios will only apply when the contract value is reduced to zero.

At Death: If the contract value is greater than zero when the death benefit becomes payable, the beneficiary may elect to take the death benefit as a lump sum under the terms of the contract (see “Benefits in Case of Death”) or the annuity payout option (see “Remaining Benefit Amount Payout Option” heading below).

If the contract value equals zero and the death benefit becomes payable, the following will occur:


•	If the RBA is greater than zero and the owner has been receiving the GBP each year, the GBP will continue to be paid to the beneficiary until the RBA equals zero.

•	If the covered person dies and the RBA is greater than zero and the owner has been receiving the ALP each year, the ALP will continue to be paid to the beneficiary until the RBA equals zero.

•	If the covered person is still alive and the RBA is greater than zero and the owner has been receiving the ALP each year, the ALP will continue to be paid to the beneficiary until the later of the death of the covered person or the RBA equals zero.

•	If the covered person is still alive and the RBA equals zero and the owner has been receiving the ALP each year, the ALP will continue to be paid to the beneficiary until the death of the covered person.

•	If the covered person dies and the RBA equals zero, the benefit terminates. No further payments will be made.

Contract Ownership Change: If the contract changes ownership (see “Changing Ownership”), the covered person will be redetermined and is the covered person referred to below. The GBA, RBA, GBP, RBP values will remain unchanged. The ALP and RALP will be reset as follows. Our current administrative practice is to only reset the ALP and RALP if the covered person changes due to the ownership change.

•

If the ALP has not yet been established and the new covered person has not yet reached age 65 as of the ownership change date — the ALP and the RALP will be established on the contract anniversary following the date the covered person reaches age 65. The ALP will be set equal to the lesser of the RBA or the anniversary contract value, multiplied by 6%. If the anniversary date occurs during the waiting period and prior to a withdrawal, the RALP will be set equal to the lesser of the


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 123


	ALP or total purchase payments plus purchase payment credits, multiplied by 6%. If the anniversary date occurs at any other time, the RALP will be set to the ALP.


•	If the ALP has not yet been established but the new covered person is age 65 or older as of the ownership change date — the ALP and the RALP will be established on the ownership change date. The ALP will be set equal to the lesser of the RBA or the contract value, multiplied by 6%. If the ownership change date occurs during the waiting period and prior to a withdrawal, the RALP will be set to the lesser of the ALP or total purchase payments plus purchase payment credits, multiplied by 6%. If the ownership change date occurs at any other time, the RALP will be set equal to the ALP less all prior withdrawals made in the current contract year but not less than zero.

•	If the ALP has been established but the new covered person has not yet reached age 65 as of the ownership change date — the ALP and the RALP will be reset to zero for the period of time beginning with the ownership change date and ending with the contract anniversary following the date the covered person reaches age 65. At the end of this time period, the ALP will be reset to the lesser of the RBA or the anniversary contract value, multiplied by 6%. If the time period ends during the waiting period and prior to any withdrawals, the RALP will be reset to the lesser of the ALP or total purchase payments plus any purchase payment credits, multiplied by 6%. If the time period ends at any other time, the RALP will be reset to the ALP.

•	If the ALP has been established and the new covered person is age 65 or older as of the ownership change date — the ALP and the RALP will be reset on the ownership change date. The ALP will be reset to the lesser of the current ALP or 6% of the contract value. If the ownership change date occurs during the waiting period and prior to a withdrawal, the RALP will be reset to the lesser of the ALP or total purchase payments plus purchase payment credits, multiplied by 6%. If the ownership change date occurs at any other time, the RALP will be reset to the ALP less all prior withdrawals made in the current contract year but not less than zero.

Please note that the lifetime withdrawal benefit amount may be reduced as a result of the ownership change.

Remaining Benefit Amount Payout Option: Several annuity payout plans are available under the contract. As an alternative to these annuity payout plans, a fixed annuity payout option is available under the GWB for Life rider.

Under this option the amount payable each year will be equal to the remaining schedule of GBPs, but the total amount paid over the life of the annuity will not exceed the current total RBA at the time you begin this fixed annuity payout option. These annualized amounts will be paid in the frequency that you elect. The frequencies will be among those offered by us at that time but will be no less frequent than annually. If, at the death of the owner, total payments have been made for less than the RBA, the remaining payments will be paid to the beneficiary (see “The Annuity Payout Period” and “Taxes”).

This option may not be available if the contract is issued to qualify under Section 403 or 408 of the Code. For such contracts, this option will be available only if the number of years it will take to deplete the RBA by paying the GBP each year is less than the life expectancy of the owner at the time the option becomes effective. Such life expectancy will be computed using a life expectancy table published by the IRS.

This annuity payout option may also be elected by the beneficiary of a contract as a settlement option. Whenever multiple beneficiaries are designated under the contract, each such beneficiary’s share of the proceeds if they elect this option will be in proportion to their applicable designated beneficiary percentage. Beneficiaries of nonqualified contracts may elect this settlement option subject to the distribution requirements of the contract. We reserve the right to adjust the future schedule of GBPs if necessary to comply with the Code.

RIDER TERMINATION

The GWB for Life rider cannot be terminated either by you or us except as follows:


1.	Annuity payouts under an annuity payout plan will terminate the rider.

2.	Termination of the contract for any reason will terminate the rider.

Example — GWB For Life Rider

Example #1: Covered person has not reached age 65 at the time the contract and rider are purchased.

Assumptions:


•	You purchase the RAVA 4 Select contract with a payment of $100,000.

•	You are the sole owner and also the annuitant. You are age 60.

•	You make no additional payments to the contract.

•	Automatic annual step-ups are applied each anniversary when available, where the contract value is greater than the RBA and/or 6% of the contract value is greater than the ALP. Applied annual step-ups are indicated in bold.

124 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS


					Hypothetical
Contract					Assumed
Duration	Purchase		Partial		Contract		Basic Withdrawal Benefit										Lifetime Withdrawal Benefit
in Years	Payments		Withdrawals		Value		GBA			RBA			GBP		RBP		ALP			RALP


At Issue	$	100,000	$	N/A	$	100,000	$	100,000		$	100,000		$	7,000	$	7,000	$	N/A		$	N/A

0.5		0		7,000		92,000		100,000			93,000			7,000		0		N/A			N/A

1		0		0		91,000		100,000			93,000			7,000		7,000		N/A			N/A

1.5		0		7,000		83,000		100,000			86,000			7,000		0		N/A			N/A

2		0		0		81,000		100,000			86,000			7,000		7,000		N/A			N/A

5		0		0		75,000		100,000			86,000			7,000		7,000		5,160	⁽¹⁾		5,160	⁽¹⁾

5.5		0		5,160		70,000		100,000			80,840			7,000		1,840		5,160			0

6		0		0		69,000		100,000			80,840			7,000		7,000		5,160			5,160

6.5		0		7,000		62,000		100,000			73,840			7,000		0		3,720	⁽²⁾		0

7		0		0		70,000		100,000			73,840			7,000		7,000		4,200			4,200

7.5		0		10,000		51,000		51,000	⁽³⁾		51,000	⁽³⁾		3,570		0		3,060	⁽³⁾		0

8		0		0		55,000		55,000			55,000			3,850		3,850		3,300			3,300

At this point, assuming no additional activity (step ups, excess withdrawals, purchase payments, spousal continuation or contract ownership change), you can continue to withdraw up to either the GBP of $3,850 each year until the RBA is reduced to zero, or the ALP of $3,300 each year until the later of your death or the RBA is reduced to zero.


⁽¹⁾		The ALP and RALP are established on the contract anniversary date following the date the covered person reaches age 65.
⁽²⁾		The $7,000 withdrawal is greater than the $5,160 RALP allowed under the lifetime withdrawal benefit and therefore the excess withdrawal processing is applied to the ALP, resetting the ALP to the lesser of the prior ALP or 6% of the contract value following the withdrawal.
⁽³⁾		The $10,000 withdrawal is greater than both the $7,000 RBP allowed under the basic withdrawal benefit and the $4,200 RALP allowed under the lifetime withdrawal benefit and therefore the excess withdrawal processing is applied to the GBA, RBA, and ALP. The GBA is reset to the lesser of the prior GBA or the contract value following the withdrawal. The RBA is reset to the lesser of the prior RBA less the withdrawal or the contract value following the withdrawal. The ALP is reset to the lesser of the prior ALP or 6% of the contract value following the withdrawal.

Example #2: Covered person has reached 65 at the time the contract and rider are purchased.

Assumptions:


•	You purchase the RAVA 4 Select contract with a payment of $100,000.

•	You are the sole owner and also the annuitant. You are age 65.

•	You make no additional payments to the contract.

•	Automatic annual step-ups are applied each anniversary when available, where the contract value is greater than the RBA and/or 6% of the contract value is greater than the ALP. Applied annual step-ups are indicated in bold.


					Hypothetical
Contract					Assumed
Duration	Purchase		Partial		Contract		Basic Withdrawal Benefit											Lifetime Withdrawal Benefit
in Years	Payments		Withdrawals		Value		GBA			RBA			GBP		RBP			ALP			RALP


At Issue	$	100,000	$	N/A	$	100,000	$	100,000		$	100,000		$	7,000	$	7,000		$	6,000		$	6,000

1		0		0		105,000		105,000			105,000			7,350		7,000	⁽¹⁾		6,300			6,000	⁽¹⁾

2		0		0		110,000		110,000			110,000			7,700		7,000	⁽¹⁾		6,600			6,000	⁽¹⁾

3		0		0		110,000		110,000			110,000			7,700		7,700	⁽²⁾		6,600			6,600	⁽²⁾

3.5		0		6,600		110,000		110,000			103,400			7,700		1,100			6,600			0

4		0		0		115,000		115,000			115,000			8,050		8,050			6,900			6,900

4.5		0		8,050		116,000		115,000			106,950			8,050		0			6,900	⁽³⁾		0

5		0		0		120,000		120,000			120,000			8,400		8,400			7,200			7,200

5.5		0		10,000		122,000		120,000	⁽⁴⁾		110,000	⁽⁴⁾		8,400		0			7,200	⁽⁴⁾		0

6		0		0		125,000		125,000			125,000			8,750		8,750			7,500			7,500

At this point, assuming no additional activity (step ups, excess withdrawals, purchase payments, spousal continuation or contract ownership change), you can continue to withdraw up to either the GBP of $8,750 each year until the RBA is reduced to zero, or the ALP of $7,500 each year until the later of your death or the RBA is reduced to zero.


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 125

Appendix H: SecureSource Riders Disclosure

SECURESOURCE RIDERS

The SecureSource riders are not available for RAVA4 Access.

There are two optional SecureSource riders available under your contract:


•	SecureSource – Single Life; or

•	SecureSource – Joint Life.

The information in this section applies to both SecureSource riders, unless otherwise noted.

The SecureSource – Single Life rider covers one person. The SecureSource – Joint Life Rider covers two spouses jointly who are named at contract issue. You may elect only the SecureSource – Single Life rider or the SecureSource – Joint Life rider, not both, and you may not switch riders later.

The SecureSource rider is an optional benefit that you may select for an additional annual charge if:


•	*Single Life:* you are 80 or younger on the contract issue date, or , if an owner is a nonnatural person, then the annuitant is age 80 or younger on the contract issue date; or

•	*Joint Life:* you and your spouse are 80 or younger on the contract issue date.

The SecureSource rider is not available under an inherited qualified annuity.

You must elect the rider when you purchase your contract. The rider effective date will be the contract issue date.

The SecureSource rider guarantees (unless the rider is terminated. See “Rider Termination” heading below.) that regardless of the investment performance of your contract you will be able to withdraw up to a certain amount each year from the contract before the annuity payouts begin until:


•	*Single Life:* you have recovered at minimum all of your purchase payments plus any purchase payment credit or, if later, until death (see “At Death” heading below) — even if the contract value is zero.

•	*Joint Life:* you have recovered at minimum all of your purchase payments plus any purchase payment credit or, if later, until the death of the last surviving covered spouse (see “Joint Life only: Covered Spouses” and “At Death” headings below) — even if the contract value is zero.

Your contract provides for annuity payouts to begin on the settlement date (see “Buying Your Contract — Settlement Date”). Before the settlement date, you have the right to surrender some or all of your contract value, less applicable administrative, surrender and rider charges imposed under the contract at the time of the surrender (see “Making the Most of Your Contract — Surrenders”). Because your contract value will fluctuate depending on the performance of the underlying funds in which the subaccounts invest, the contract itself does not guarantee that you will be able to take a certain surrender amount each year before the annuity payouts begin, nor does it guarantee the length of time over which such surrenders can be made before the annuity payouts begin.

For the purposes of this rider, the term “withdrawal” is equal to the term “surrender” in the contract or any other riders. Withdrawals will adjust contract values and benefits in the same manner as surrenders.

The SecureSource rider may be appropriate for you if you intend to make periodic withdrawals from your annuity contract and wish to ensure that market performance will not adversely affect your ability to withdraw your principal over time.

Under the terms of the SecureSource rider, the calculation of the amount which can be withdrawn in each contract year varies depending on several factors, including but not limited to the waiting period (see “Waiting period” heading below) and whether or not the lifetime withdrawal benefit has become effective:

(1) The basic withdrawal benefit gives you the right to take limited withdrawals in each contract year until the lifetime withdrawal benefit becomes effective and guarantees that over time the withdrawals will total an amount equal to, at minimum, your purchase payments plus any purchase payment credits (unless the rider is terminated. See “Rider Termination” heading below). Key terms associated with the basic withdrawal benefit are “Guaranteed Benefit Payment (GBP)”, “Remaining Benefit Payment (RBP)”, “Guaranteed Benefit Amount (GBA)” and “Remaining Benefit Amount (RBA).” See these headings below for more information.

(2) The lifetime withdrawal benefit gives you the right, under certain limited circumstances defined in the rider, to take limited withdrawals until the later of:


•	*Single Life:* death (see “At Death” heading below) or until the RBA (under the basic withdrawal benefit) is reduced to zero (unless the rider is terminated. See “Rider Termination” heading below);

•	*Joint Life:* death of the last surviving covered spouse (see “At Death” heading below) or until the RBA (under the basic withdrawal benefit) is reduced to zero (unless the rider is terminated. See “Rider Termination” heading below).


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 127

Key terms associated with the lifetime withdrawal benefit are “Annual Lifetime Payment (ALP)”, “Remaining Annual Lifetime Payment (RALP)”, “Single Life only: Covered Person”, “Joint Life only: Covered Spouses” and “Annual Lifetime Payment Attained Age (ALPAA).” See these headings below for more information.


•	*Single Life:* covered person reaches age 65, or the rider effective date if the covered person is age 65 or older on the rider effective date (see “Annual Lifetime Payment Attained Age (ALPAA)” heading below);

•	*Joint Life:* younger covered spouse reaches age 65, or the rider effective date if the younger covered spouse is age 65 or older on the rider effective date (see “Annual Lifetime Payment Attained Age (ALPAA)” and “Annual Lifetime Payment (ALP)” headings below).

Provided annuity payouts have not begun, the SecureSource rider guarantees that you may take the following withdrawal amounts each contract year:


•	Before the establishment of the ALP, the rider guarantees that each year you have the option to cumulatively withdraw an amount equal to the value of the RBP at the beginning of the contract year;

•	After the establishment of the ALP, the rider guarantees that each year you have the option to cumulatively withdraw an amount equal to the value of the RALP or the RBP at the beginning of the contract year, but the rider does not guarantee withdrawal of the sum of both the RALP and the RBP in a contract year.

If you withdraw less than the allowed withdrawal amount in a contract year, the unused portion cannot be carried over to the next contract year. As long as your withdrawals in each contract year do not exceed the allowed annual withdrawal amount under the rider:


•	*Single Life:* and there has not been a contract ownership change or spousal continuation of the contract, the guaranteed amounts available for withdrawal will not decrease;

•	*Joint Life:* the guaranteed amounts available for withdrawal will not decrease.

If you withdraw more than the allowed annual withdrawal amount in a contract year, we call this an “excess withdrawal” under the rider. Excess withdrawals trigger an adjustment of a benefit’s guaranteed amount, which may cause it to be reduced (see “GBA Excess Withdrawal Processing,” “RBA Excess Withdrawal Processing,” and “ALP Excess Withdrawal Processing” headings below).

Please note that basic withdrawal benefit and lifetime withdrawal benefit each has its own definition of the allowed annual withdrawal amount. Therefore a withdrawal may be considered an excess withdrawal for purposes of the lifetime withdrawal benefit only, the basic withdrawal benefit only, or both.

If your withdrawals exceed the greater of the RBP or the RALP, surrender charges under the terms of the contract may apply (see “Charges — Surrender Charges”). The amount we actually deduct from your contract value will be the amount you request plus any applicable surrender charge. Market value adjustments, if applicable, will also be made (see “Guarantee Period Accounts (GPAs) — Market Value Adjustment”). We pay you the amount you request. Any withdrawals you take under the contract will reduce the value of the death benefits (see “Benefits in Case of Death”). Upon full surrender of the contract, you will receive the remaining contract value less any applicable charges (see “Making the Most of Your Contract — Surrenders”).

The rider’s guaranteed amounts can be increased at the specified intervals if your contract value has increased. An annual step up feature is available at each contract anniversary, subject to certain conditions, and may be applied automatically to your contract or may require you to elect the step up (see “Annual Step Up” heading below). If you exercise the annual step up election, the spousal continuation step up election (see “Spousal Continuation Step Up” heading below) or change your Portfolio Navigator investment option, the rider charge may change (see “Charges”).

If you take withdrawals during the waiting period, any prior steps ups applied will be reversed and step ups will not be available until the end of the waiting period. You may take withdrawals after the waiting period without reversal of prior step ups.

You should consider whether a SecureSource rider is appropriate for you because:


•	Lifetime Withdrawal Benefit Limitations: The lifetime withdrawal benefit is subject to certain limitations, including but not limited to:


	(a)	*Single Life:* Once the contract value equals zero, payments are made for as long as the oldest owner or, if an owner is a nonnatural person, the oldest annuitant is living (see “If Contract Value Reduces to Zero” heading below). However, if the contract value is greater than zero, the lifetime withdrawal benefit terminates when a death benefit becomes payable (see “At Death” heading below). Therefore, if there are multiple contract owners, the rider may terminate or the lifetime

128 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS


		withdrawal benefit may be reduced when one of the contract owners dies the benefit terminates even though other contract owners are still living (except if the contract is continued under the spousal continuation provision of the contract).


		*Joint Life:* Once the contract value equals zero, payments are made for as long as either covered spouse is living (see “If Contract Value Reduces to Zero” heading below). However, if the contract value is greater than zero, the lifetime withdrawal benefit terminates at the death of the last surviving covered spouse (see “At Death” heading below).


	(b)	Excess withdrawals can reduce the ALP to zero even though the GBA, RBA, GBP and/or RBP values are greater than zero. If the both the ALP and the contract value are zero, the lifetime withdrawal benefit will terminate.


	(c)	When the lifetime withdrawal benefit is first established, the initial ALP is based on


	(i)	*Single Life:* the basic withdrawal benefit’s RBA at that time (see “Annual Lifetime Payment (ALP)” heading below), unless there has been a spousal continuation or ownership change; or

	(ii)	*Joint Life:* the basic withdrawal benefit’s RBA at that time (see “Annual Lifetime Payment (ALP)” heading below).

Any withdrawal you take before the ALP is established reduces the RBA and therefore may result in a lower amount of lifetime withdrawals you are allowed to take.


	(d)	Withdrawals can reduce both the contract value and the RBA to zero prior to the establishment of the ALP. If this happens, the contract and the rider will terminate.

•

Investment Allocation Restrictions: You must be invested in one of the approved investment options. This requirement limits your choice of investments. This means you will not be able to allocate contract value to all of the subaccounts, GPAs or the regular fixed account that are available under the contract to contract owners who do not elect the rider. (See “Making the Most of Your Contract — Portfolio Navigator Program and Portfolio Stabilizer Funds.”) You may allocate qualifying purchase payments and applicable purchase payment credits to the Special DCA fixed account, when available (see “The Special DCA Fixed Account”), and we will make monthly transfers into the investment option you have chosen. You may make two elective investment option changes per contract year; we reserve the right to limit elective investment option changes if required to comply with the written instructions of a fund (see “Market Timing”).


	You can allocate your contract value to any available investment option during the following times: (1) prior to your first withdrawal and (2) following a benefit reset as described below but prior to any subsequent withdrawal. During these accumulation phases, you may request to change your model portfolio (if applicable) or investment option to any available investment option.

	Immediately following a withdrawal your contract value will be reallocated to the target investment option as shown in your contract if your current investment option is more aggressive than the target investment option. If you are in the static model portfolio, this reallocation will be made to the applicable fund of funds investment option. This automatic reallocation is not included in the total number of allowed model changes per contract year and will not cause your rider fee to increase. The target investment option is currently the Moderate investment option. We reserve the right to change the target investment option to an investment option that is more aggressive than the current target investment option after 30 days written notice.

After you have taken a withdrawal and prior to any benefit reset as described below, you are in a withdrawal phase. During withdrawal phases you may request to change your investment option to the target investment option or any investment option that is more conservative than the target investment option without a benefit reset as described below. If you are in a withdrawal phase and you choose to allocate your contract value to an investment option that is more aggressive than the target investment option, your rider benefit will be reset as follows:

(a) the total GBA will be reset to the lesser of its current value or the contract value; and

(b) the total RBA will be reset to the lesser of its current value or the contract value; and

(d) the GBP will be recalculated as described below, based on the reset GBA and RBA; and

(e) the RBP will be recalculated as the reset GBP less all prior withdrawals made during the current contract year, but not less than zero; and

(f) the RALP will be recalculated as the reset ALP less all prior withdrawals made during the current contract year, but not less than zero.


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 129

You may request to change your investment option by written request on an authorized form or by another method agreed to by us.


•	Limitations on Purchase of Other Riders under your Contract: You may elect only the SecureSource – Single Life rider or the SecureSource – Joint Life rider. If you elect the SecureSource rider, you may not elect the Accumulation Benefit rider.

•	Non-Cancelable: Once elected, the SecureSource rider may not be cancelled (except as provided under “Rider Termination” heading below) and the fee will continue to be deducted until the contract or rider is terminated or the contract value reduces to zero (described below). Dissolution of marriage does not terminate the SecureSource – Joint Life rider and will not reduce the fee we charge for this rider. The benefit under the SecureSource – Joint Life rider continues for the covered spouse who is the owner of the contract (or annuitant in the case of nonnatural ownership). The rider will terminate at the death of the contract owner (or annuitant in the case of nonnatural ownership) because the original spouse will be unable to elect the spousal continuation provision of the contract (see “Joint Life only: Covered Spouses” below).

•	Joint Life: Limitations on Contract Owners, Annuitants and Beneficiaries: Since the joint life benefit will terminate unless the surviving covered spouse continues the contract under the spousal continuation provision of the contract upon the owner’s death, only ownership arrangements that permit such continuation are allowed at rider issue. In general, the covered spouses should be joint owners, or one covered spouse should be the owner and the other covered spouse should be named as the sole primary beneficiary. For non-natural ownership arrangements that allow for spousal continuation one covered spouse should be the annuitant and the other covered spouse should be the sole primary beneficiary. For revocable trust ownerships, the grantor of the trust must be the annuitant and the beneficiary must either be the annuitant’s spouse or a trust that names the annuitant’s spouse as the sole primary beneficiary. You are responsible for establishing ownership arrangements that will allow for spousal continuation.


•	Limitations on Purchase Payments: We reserve the right to limit the cumulative amount of purchase payments, subject to state restrictions. For current limitations, see “Buying Your Contract — Purchase Payments.”

•	Interaction with Total Free Amount (TFA) contract provision: The TFA is the amount you are allowed to surrender from the contract in each contract year without incurring a surrender charge (see “Charges — Surrender Charge”). The TFA may be greater than the RBP or RALP under this rider. Any amount you withdraw in a contract year under the contract’s TFA provision that exceeds the RBP or RALP is subject to the excess withdrawal processing described below for the GBA, RBA and ALP.

You should consult your tax advisor before you select this optional rider if you have any questions about the use of the rider in your tax situation because:


•	Tax Considerations for Nonqualified Annuities: Under current federal income tax law, withdrawals under nonqualified annuities, including withdrawals taken from the contract under the terms of the rider, are treated less favorably than amounts received as annuity payments under the contract (see “Taxes — Nonqualified Annuities”). Withdrawals are taxable income to the extent of earnings. Withdrawals of earnings before age 591/2 may incur a 10% IRS early withdrawal penalty. You should consult your tax advisor before you select this optional rider if you have any questions about the use of the rider in your tax situation.

•	Tax Considerations for Qualified Annuities: Qualified annuities have minimum distribution rules that govern the timing and amount of distributions from the annuity contract (see “Taxes — Qualified Annuities — Required Minimum Distributions”). If you have a qualified annuity, you may need to take an RMD that exceeds the guaranteed amount of withdrawal available under the rider and such withdrawals may reduce future benefits guaranteed under the rider. While the rider permits certain excess withdrawals to be made for the purpose of satisfying RMD requirements for your contract alone without reducing future benefits guaranteed under the rider, there can be no guarantee that changes in the federal income tax law after the effective date of the rider will not require a larger RMD to be taken, in which case, future guaranteed withdrawals under the rider could be reduced. See Appendix F for additional information.

•	Limitations on TSAs: Your right to take withdrawals is restricted if your contract is a TSA (see “TSA — Special Provisions”). Therefore, a SecureSource rider may be of limited value to you.

•

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Key terms and provisions of the SecureSource rider are described below:

Withdrawal: The amount by which your contract value is reduced as a result of any withdrawal request. It may differ from the amount of your request due to any surrender charge and any market value adjustment.

Waiting period: The period of time starting on the rider effective date during which the annual step up is not available if you take withdrawals. The current waiting period is three years.

Guaranteed Benefit Amount (GBA): The total cumulative withdrawals guaranteed by the rider under the basic benefit. The maximum GBA is $5,000,000. The GBA cannot be withdrawn and is not payable as a death benefit. It is an interim value used to calculate the amount available for withdrawals each year under the basic withdrawal benefit (see “Guaranteed Benefit Payment” below). At any time, the total GBA is the sum of the individual GBAs associated with each purchase payment.

The GBA is determined at the following times, calculated as described:


•	At contract issue — the GBA is equal to the initial purchase payment, plus any purchase payment credit.

•	When you make additional purchase payments — each additional purchase payment has its own GBA equal to the amount of the purchase payment, plus any purchase payment credit.

•	At step up — (see “Annual Step Up” and “Spousal Continuation Step Up” headings below).

•	When an individual RBA is reduced to zero — the GBA that is associated with that RBA will also be set to zero.

•	When you make a withdrawal during the waiting period and after a step up — Any prior annual step ups will be reversed. Step up reversal means that the GBA associated with each purchase payment will be reset to the amount of that purchase payment, plus any purchase payment credit. The step up reversal will only happen once during the waiting period, when the first withdrawal is made.

•	When you make a withdrawal at any time and the amount withdrawn is:


	(a)	less than or equal to the total RBP — the GBA remains unchanged. If there have been multiple purchase payments, both the total GBA and each payment’s GBA remain unchanged.


	(b)	is greater than the total RBP — GBA excess withdrawal processing will be applied to the GBA. If the withdrawal is made during the waiting period, the excess withdrawal processing is applied AFTER any previously applied annual step ups have been reversed.

GBA EXCESS WITHDRAWAL PROCESSING


	(a)	is the ratio of the total GBA after the withdrawal less the total RBA after the withdrawal to the total GBA before the withdrawal less the total RBA after the withdrawal; and


	(b)	is each payment’s GBA before the withdrawal less that payment’s RBA after the withdrawal.

Remaining Benefit Amount (RBA): Each withdrawal you make reduces the amount that is guaranteed by the rider as future withdrawals. At any point in time, the RBA equals the amount of GBA that remains available for withdrawals for the remainder of the contract’s life, and total RBA is the sum of the individual RBAs associated with each purchase payment. The maximum RBA is $5,000,000.

The RBA is determined at the following times, calculated as described:


•	At contract issue — the RBA is equal to the initial purchase payment plus any purchase payment credit.

•	When you make additional purchase payments — each additional purchase payment has its own RBA initially set equal to that payment’s GBA (the amount of the purchase payment, plus any purchase payment credit).

•	At step up — (see “Annual Step Up” and “Spousal Continuation Step Up” headings below).

•	When you make a withdrawal during the waiting period and after a step up — Any prior annual step ups will be reversed. Step up reversal means that the RBA associated with each purchase payment will be reset to the amount of that purchase payment, plus any purchase payment credit. The step up reversal will only happen once during the waiting period, when the first withdrawal is made.

•	When you make a withdrawal at any time and the amount withdrawn is:


	(a)	less than or equal to the total RBP — the total RBA is reduced by the amount of the withdrawal. If there have been multiple purchase payments, each payment’s RBA is reduced in proportion to its RBP.


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	(b)	is greater than the total RBP — RBA excess withdrawal processing will be applied to the RBA. Please note that if the withdrawal is made during the waiting period, the excess withdrawal processing is applied AFTER any previously applied annual step ups have been reversed.

RBA EXCESS WITHDRAWAL PROCESSING


	1.	The withdrawal amount up to the total RBP is taken out of each RBA bucket in proportion to its individual RBP at the time of the withdrawal; and

	2.	The withdrawal amount above the total RBP and any amount determined by the excess withdrawal processing are taken out of each RBA bucket in proportion to its RBA at the time of the withdrawal.

Guaranteed Benefit Payment (GBP): At any time, the amount available for withdrawal in each contract year after the waiting period, until the RBA is reduced to zero, under the basic withdrawal benefit. At any point in time, each purchase payment has its own GBP, which is equal to the lesser of that payment’s RBA or 7% of that payment’s GBA, and the total GBP is the sum of the individual GBPs.

During the waiting period, the guaranteed annual withdrawal amount may be less than the GBP due to the limitations the waiting period imposes on your ability to utilize both annual step-ups and withdrawals (see “Waiting Period” heading above). The guaranteed annual withdrawal amount during the waiting period is equal to the value of the RBP at the beginning of the contract year.

The GBP is determined at the following times, calculated as described:


•	At contract issue — the GBP is established as 7% of the GBA value.

•	At each contract anniversary — each payment’s GBP is reset to the lesser of that payment’s RBA or 7% of that payment’s GBA value.

•	When you make additional purchase payments — each additional purchase payment has its own GBP equal to the purchase payment amount, plus any purchase payment credit multiplied by 7%.

•	At step up — (see “Annual Step Up” and “Spousal Continuation Step Up” headings below).

•	When an individual RBA is reduced to zero — the GBP associated with that RBA will also be reset to zero.

•	When you make a withdrawal during the waiting period and after a step up — Any prior annual step ups will be reversed. Step up reversal means that the GBA and the RBA associated with each purchase payment will be reset to the amount of that purchase payment plus any purchase payment credit. Each payment’s GBP will be reset to 7% of the sum of purchase payment and any purchase payment credit. The step up reversal will only happen once during the waiting period, when the first withdrawal is made.

•	When you make a withdrawal at any time and the amount withdrawn is:


	(a)	less than or equal to the total RBP — the GBP remains unchanged.

	(b)	is greater than the total RBP — each payment’s GBP is reset to the lesser of that payment’s RBA or 7% of that payment’s GBA value, based on the RBA and GBA after the withdrawal. If the withdrawal is made during the waiting period, the excess withdrawal processing is applied AFTER any previously applied annual step ups have been reversed.

Remaining Benefit Payment (RBP): The amount available for withdrawal for the remainder of the contract year under the basic withdrawal benefit. At any point in time, the total RBP is the sum of the RBPs for each purchase payment. During the waiting period, when the guaranteed amount may be less than the GBP, the value of the RBP at the beginning of the contract year will be that amount that is actually guaranteed each contract year.

The RBP is determined at the following times, calculated as described:


•	At the beginning of each contract year during the waiting period and prior to any withdrawal — the RBP for each purchase payment is set equal to that purchase payment plus any purchase payment credit, multiplied by 7%.

•	At the beginning of any other contract year — the RBP for each purchase payment is set equal to that purchase payment’s GBP.

•	When you make additional purchase payments — each additional purchase payment has its own RBP equal to that payment’s GBP.

132 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS


•	At step up — (see “Annual Step Up” and “Spousal Continuation Step Up” headings below).

•	At spousal continuation — (see “Spousal Option to Continue the Contract” heading below).

•	When an individual RBA is reduced to zero — the RBP associated with that RBA will also be reset to zero.

•	When you make any withdrawal — the total RBP is reset to equal the total RBP immediately prior to the withdrawal less the amount of the withdrawal, but not less than zero. If there have been multiple purchase payments, each payment’s RBP is reduced proportionately. If you withdraw an amount greater than the RBP, GBA excess withdrawal processing and RBA excess withdrawal processing are applied and the amount available for future withdrawals for the remainder of the contract’s life may be reduced by more than the amount of withdrawal. When determining if a withdrawal will result in the excess withdrawal processing, the applicable RBP will not yet reflect the amount of the current withdrawal.

Single Life only: Covered Person: The person whose life is used to determine when the ALP is established, and the duration of the ALP payments (see “Annual Lifetime Payment (ALP)” heading below). The covered person is the oldest contract owner. If the owner is a nonnatural person, e.g., a trust or corporation, the covered person is the oldest annuitant. A spousal continuation or a change of contract ownership may reduce the amount of the lifetime withdrawal benefit and may change the covered person.

Joint Life only: Covered Spouses: The contract owner and his or her legally married spouse as defined under federal law, as named on the application and as shown in the contract for as long as the marriage is valid and in effect. If the contract owner is a nonnatural person (e.g., a revocable trust), the covered spouses are the annuitant and the legally married spouse of the annuitant. The covered spouses lives are used to determine when the ALP is established, and the duration of the ALP payments (see “Annual Lifetime Payment (ALP)” heading below). The covered spouses are established on the rider effective date and cannot be changed.

Annual Lifetime Payment Attained Age (ALPAA):


•	*Single Life:* The covered person’s age after which time the lifetime benefit can be established. Currently, the lifetime benefit can be established on the later of the contract effective date or the contract anniversary date on/following the date the covered person reaches age 65.

•	*Joint Life:* The age of the younger covered spouse at which time the lifetime benefit is established.

Annual Lifetime Payment (ALP): Once established, the ALP under the lifetime withdrawal benefit is at any time the amount available for withdrawals in each contract year after the waiting period until the later of:


•	*Single Life:* death; or

•	*Joint Life:* death of the last surviving covered spouse; or

•	the RBA is reduced to zero.

The maximum ALP is $300,000. Prior to establishment of the ALP, the lifetime withdrawal benefit is not in effect and the ALP is zero.

The ALP is determined at the following times:


•	*Single Life:* The later of the contract effective date or the contract anniversary date on/following the date the covered person reaches age 65 — the ALP is established as 6% of the total RBA.

•	*Joint Life:* The ALP is established as 6% of the total RBA on the earliest of the following dates:


	(a)	the rider effective date if the younger covered spouse has already reached age 65.

	(b)	the rider anniversary on/following the date the younger covered spouse reaches age 65.


	(c)	upon the first death of a covered spouse, then


	(1)	the date we receive written request when the death benefit is not payable and the surviving covered spouse has already reached age 65; or

	(2)	the date spousal continuation is effective when the death benefit is payable and the surviving covered spouse has already reached age 65; or

	(3)	the rider anniversary on/following the date the surviving covered spouse reaches age 65.


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	(d)	Following dissolution of marriage of the covered spouses,


	(1)	the date we receive written request if the remaining covered spouse who is the owner (or annuitant in the case of nonnatural ownership) has already reached age 65; or

	(2)	the rider anniversary on/following the date the remaining covered spouse who is the owner (or annuitant in the case of nonnatural ownership) reaches age 65.


•	When you make additional purchase payments — each additional purchase payment increases the ALP by 6% of the sum of the purchase payment plus any purchase payment credits.

•	At step ups — (see “Annual Step Up” and “Spousal Continuation Step Up” headings below).

•	*Single Life:* At spousal continuation or contract ownership change — (see “Spousal Option to Continue the Contract” and “Contract Ownership Change” headings below).

•	When you make a withdrawal during the waiting period and after a step up — Any prior annual step ups will be reversed. Step up reversal means that the ALP will be reset to equal total purchase payments plus any purchase payment credit, multiplied by 6%. The step up reversal will only happen once during the waiting period, when the first withdrawal is made.

•	When you make a withdrawal at any time and the amount withdrawn is:


	(a)	less than or equal to the RALP — the ALP remains unchanged.


	(b)	is greater than the RALP — ALP excess withdrawal processing will be applied to the ALP. If the withdrawal is made during the waiting period, the excess withdrawal processing is applied AFTER any previously applied annual step ups have been reversed.

ALP EXCESS WITHDRAWAL PROCESSING

The ALP is reset to the lesser of the ALP immediately prior to the withdrawal, or 6% of the contract value immediately following the withdrawal.

Remaining Annual Lifetime Payment (RALP): The amount available for withdrawal for the remainder of the contract year under the lifetime withdrawal benefit. During the waiting period, when the guaranteed annual withdrawal amount may be less than the ALP, the value of the RALP at the beginning of the contract year will be the amount that is actually guaranteed each contract year. Prior to establishment of the ALP, the lifetime withdrawal benefit is not in effect and the RALP is zero.


•	The RALP is determined at the following times:

•	The RALP is established at the same time as the ALP, and:


	(a)	During the waiting period and prior to any withdrawals — the RALP is established equal to the purchase payments, plus purchase payment credit, multiplied by 6%.


	(b)	At any other time — the RALP is established equal to the ALP less all prior withdrawals made in the contract year but not less than zero.


•	At the beginning of each contract year during the waiting period and prior to any withdrawals — the RALP is set equal to the total purchase payments plus any purchase payment credit, multiplied by 6%.

•	At the beginning of any other contract year — the RALP is set equal to ALP.

•	When you make additional purchase payments — each additional purchase payment increases the RALP by 6% of the sum of the purchase payment amount plus any purchase payment credit.

•	At step ups — (see “Annual Step Up” and “Spousal Continuation Step Up” headings below).

•	When you make any withdrawal — the RALP equals the RALP immediately prior to the withdrawal less the amount of the withdrawal but not less than zero. If you withdraw an amount greater than the RALP, ALP excess withdrawal processing is applied and may reduce the amount available for future withdrawals. When determining if a withdrawal will result in excess withdrawal processing, the applicable RALP will not yet reflect the amount of the current withdrawal.

Required Minimum Distributions (RMD): If you are taking RMDs from your contract and the RMD calculated separately for your contract is greater than the RBP or the RALP on the most recent contract anniversary, the portion of the RMD that exceeds the RBP or RALP on the most recent rider anniversary will not be subject to excess withdrawal processing provided that the following conditions are met:


•	The RMD is for your contract alone;

•	The RMD is based on your recalculated life expectancy taken from the Uniform Lifetime Table under the Code; and

•	The RMD amount is otherwise based on the requirements of section 401(a) (9), related Code provisions and regulations there under that were in effect on the effective date of the rider.

134 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

RMD rules follow the calendar year which most likely does not coincide with your contract year and therefore may limit when you can take your RMD and not be subject to excess withdrawal processing.

Withdrawal amounts greater than the RBP or RALP on the contract anniversary date that do not meet these conditions will result in excess withdrawal processing as described above. See Appendix F for additional information.

Step Up Date: The date any step up becomes effective, and depends on the type of step up being applied (see “Annual Step Up” and “Spousal Continuation Step Up” headings below).

Annual Step Up: Beginning with the first contract anniversary, an increase of the GBA, RBA, GBP, RBP, ALP and/or RALP values may be available. A step up does not create contract value, guarantee the performance of any investment option, or provide a benefit that can be withdrawn or paid upon death. Rather, a step up determines the current values of the GBA, RBA, GBP, RBP, ALP and RALP, and may extend the payment period or increase the allowable payment.

The annual step up may be available as described below, subject to the following rules:


•	The annual step up is effective on the step up date.

•	Only one step up is allowed each contract year.

•	If you take any withdrawals during the waiting period, any previously applied step ups will be reversed and the Annual step up will not be available until the end of the waiting period.

•	On any rider anniversary where the RBA or, if established, the ALP would increase and the application of the step up would not increase the rider charge, the annual step up will be automatically applied to your contract, and the step up date is the contract anniversary date.

•	If the application of the step up would increase the rider charge, the annual step up is not automatically applied. Instead, you have the option to step up for 30 days after the contract anniversary as long as either the contract value is greater than the total RBA or 6% of the contract value is greater than the ALP, if established, on the step-up date. If you exercise the elective annual step up option, you will pay the rider charge in effect on the step up date. If you wish to exercise the elective annual step up option, we must receive a request from you or your financial advisor. The step up date is the date we receive your request to step up. If your request is received after the close of business, the step up date will be the next valuation day.

•	The ALP and RALP are not eligible for step ups until they are established. Prior to being established, the ALP and RALP values are both zero.

•	Please note it is possible for the ALP to step up even if the RBA or GBA do not step up, and it is also possible for the RBA and GBA to step up even if the ALP does not step up.

The annual step up resets the GBA, RBA, GBP, RBP, ALP and RALP values as follows:


•	The total RBA will be reset to the greater of the total RBA immediately prior to the step up date or the contract value on the step up date.

•	The total GBA will be reset to the greater of the total GBA immediately prior to the step up date or the contract value on the step up date.

•	The total GBP will be reset using the calculation as described above based on the increased GBA and RBA.

•	The total RBP will be reset as follows:

(a) During the waiting period and prior to any withdrawals, the RBP will not be affected by the step up.

(b) At any other time, the RBP will be reset to the increased GBP less all prior withdrawals made in the current contract year, but not less than zero.


•	The ALP will be reset to the greater of the ALP immediately prior to the step up date or 6% of the contract value on the step up date.

•	The RALP will be reset as follows:

(a) During the waiting period and prior to any withdrawals, the RALP will not be affected by the step up.

(b) At any other time, the RALP will be reset to the increased ALP less all prior withdrawals made in the current contract year, but not less than zero.

Spousal Option to Continue the Contract upon Owner’s Death:

Single Life: If a surviving spouse elects to continue the contract and continues the contract as the new owner under the spousal continuation provision of the contract, the SecureSource – Single Life rider also continues. When the spouse elects to continue the contract, any remaining waiting period is cancelled and any waiting period limitations on withdrawals and step-ups terminate; if the covered person changes due to a spousal continuation the GBA, RBA, GBP, RBP, ALP and RALP values are affected as follows:


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•	The GBA, RBA and GBP values remain unchanged.

•	The RBP is automatically reset to the GBP less all prior withdrawals made in the current contract year, but not less than zero.

•	If the ALP has not yet been established and the new covered person has not yet reached age 65 as of the date of continuation — the ALP will be established on the contract anniversary following the date the covered person reaches age 65 as the lesser of the RBA or the contract anniversary value, multiplied by 6%. The RALP will be established on the same date equal to the ALP.

•	If the ALP has not yet been established but the new covered person is age 65 or older as of the date of continuation — the ALP will be established on the date of continuation as the lesser of the RBA or the contract value, multiplied by 6%. The RALP will be established on the same date in an amount equal to the ALP less all prior withdrawals made in the current contract year, but not less than zero.

•	If the ALP has been established but the new covered person has not yet reached age 65 as of the date of continuation — the ALP and RALP will be automatically reset to zero for the period of time beginning with the date of continuation and ending with the contract anniversary following the date the covered person reaches age 65. At the end of this time period, the ALP will be reset to the lesser of the RBA or the anniversary contract value, multiplied by 6%, and the RALP will be reset to the ALP.

•	If the ALP has been established and the new covered person is age 65 or older as of the date of continuation — the ALP will be automatically reset to the lesser of the current ALP or 6% of the contract value on the date of continuation. The RALP will be reset to the ALP less all prior withdrawals made in the current contract year, but not less than zero.

Please note that the lifetime withdrawal benefit amount may be reduced as a result of the spousal continuation.

Joint Life: If a surviving spouse is a covered spouse and elects the spousal continuation provision of the contract as the new owner, the SecureSource – Joint Life rider also continues. When the spouse elects to continue the contract, any remaining waiting period is cancelled and any waiting period limitations on withdrawals and step-ups terminate. The surviving covered spouse can name a new beneficiary; however, a new covered spouse cannot be added to the rider.

Spousal Continuation Step Up: At the time of spousal continuation, a step-up may be available. All annual step-up rules (see “Annual Step-Up” heading above), other than those that apply to the waiting period, also apply to the spousal continuation step-up. If the spousal continuation step-up is processed automatically, the step-up date is the valuation date spousal continuation is effective. If not, the spouse must elect the step up and must do so within 30 days of the spousal continuation date. If the spouse elects the spousal continuation step up, the step-up date is the valuation date we receive the spouse’s written request to step-up if we receive the request by the close of business on that day, otherwise the next valuation date.

Rules for Surrender Provision of Your Contract: Minimum contract values following surrender no longer apply to your contract. For surrenders, the surrender will be made from the variable subaccounts, and the Regular Fixed Account (if applicable) in the same proportion as your interest in each bears to the contract value less amounts in any Special DCA fixed account. You cannot specify from which accounts the surrender is to be made.

If Contract Value Reduces to Zero: If the contract value reduces to zero and the total RBA remains greater than zero, you will be paid in the following scenarios:


1)	The ALP has not yet been established and the contract value is reduced to zero as a result of fees or charges or a withdrawal that is less than or equal to the RBP. In this scenario, you can choose to:


	(a)	receive the remaining schedule of GBPs until the RBA equals zero; or


	(b)	*Single Life:* wait until the rider anniversary on/following the date the covered person reaches age 65, and then receive the ALP annually until the latter of (i) the death of the covered person, or (ii) the RBA is reduced to zero; or


	(c)	*Joint Life:* wait until the rider anniversary on/following the date the younger covered spouse reaches age 65, and then receive the ALP annually until the latter of (i) the death of the last surviving covered spouse, or (ii) the RBA is reduced to zero.

We will notify you of this option. If no election is made, the ALP will be paid.


2)	The ALP has been established and the contract value reduces to zero as a result of fees or charges, or a withdrawal that is less than or equal to both the RBP and the RALP. In this scenario, you can choose to receive:


	(a)	the remaining schedule of GBPs until the RBA equals zero; or


	(b)	*Single Life:* the ALP annually until the latter of (i) the death of the covered person, or (ii) the RBA is reduced to zero; or

136 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS


	(c)	*Joint Life:* the ALP annually until the latter of (i) the death of the last surviving covered spouse, or (ii) the RBA is reduced to zero.

We will notify you of this option. If no election is made, the ALP will be paid.


3)	The ALP has been established and the contract value falls to zero as a result of a withdrawal that is greater than the RALP but less than or equal to the RBP. In this scenario, the remaining schedule of GBPs will be paid until the RBA equals zero.

4)	The ALP has been established and the contract value falls to zero as a result of a withdrawal that is greater than the RBP but less than or equal to the RALP. In this scenario, the ALP will be paid annually until the death of the:


•	*Single Life:* covered person;

•	*Joint Life:* last surviving covered spouse.

Under any of these scenarios:


•	The annualized amounts will be paid to you in the frequency you elect. You may elect a frequency offered by us at the time payments begin. Available payment frequencies will be no less frequent than annually;

•	We will no longer accept additional purchase payments;

•	You will no longer be charged for the rider;

•	Any attached death benefit riders will terminate; and

•	*Single Life:* The death benefit becomes the remaining payments, if any, until the RBA is reduced to zero.

•	*Joint Life:* If the owner had been receiving the ALP, upon the first death the ALP will continue to be paid annually until the later of: 1) the death of the last surviving covered spouse or 2) the RBA is reduced to zero. In all other situations the death benefit becomes the remaining payments, if any, until the RBA is reduced to zero.

The SecureSource rider and the contract will terminate under either of the following two scenarios:


•	If the contract value falls to zero as a result of a withdrawal that is greater than both the RALP and the RBP. This is full surrender of the contract value.

•	If the contract value falls to zero as a result of a withdrawal that is greater than the RALP but less than or equal to the RBP, and the total RBA is reduced to zero.

At Death:

Single Life: If the contract value is greater than zero when the death benefit becomes payable, the beneficiary may: 1) elect to take the death benefit under the terms of the contract, 2) take the fixed payout option available under this rider, or 3) continue the contract under the spousal continuation provision of the contract above.

If the contract value equals zero and the death benefit becomes payable, the following will occur:


•	If the RBA is greater than zero and the owner has been receiving the GBP each year, the GBP will continue to be paid to the beneficiary until the RBA equals zero.

•	If the covered person dies and the RBA is greater than zero and the owner has been receiving the ALP each year, the ALP will continue to be paid to the beneficiary until the RBA equals zero.

•	If the covered person is still alive and the RBA is greater than zero and the owner has been receiving the ALP each year, the ALP will continue to be paid to the beneficiary until the later of the death of the covered person or the RBA equals zero.

•	If the covered person is still alive and the RBA equals zero and the owner has been receiving the ALP each year, the ALP will continue to be paid to the beneficiary until the death of the covered person.

•	If the covered person dies and the RBA equals zero, the benefit terminates. No further payments will be made.

If the contract value is greater than zero when the death benefit becomes payable, the beneficiary may: 1) elect to take the death benefit under the terms of the contract, 2) take the fixed payout option available under this rider, or 3) continue the contract under the spousal continuation provision of the contract above.


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 137

If the contract value equals zero at the death of the last surviving covered spouse, the following will occur:


•	If the RBA is greater than zero and the owner has been receiving the GBP each year, the GBP will continue to be paid to the beneficiary until the RBA equals zero.

•	If the RBA is greater than zero and the owner has been receiving the ALP each year, the ALP will continue to be paid to the beneficiary until the RBA equals zero.

•	If the RBA equals zero, the benefit terminates. No further payments will be made.

Contract Ownership Change:

Single Life: If the contract changes ownership (see “Changing Ownership”), the GBA, RBA, GBP, RBP values will remain unchanged and the ALP and RALP will be reset as follows. Our current administrative practice is to only reset the ALP and RALP if the covered person changes due to the ownership change.


•	If the ALP has not yet been established and the new covered person has not yet reached age 65 as of the ownership change date — the ALP and the RALP will be established on the contract anniversary following the date the covered person reaches age 65. The ALP will be set equal to the lesser of the RBA or the anniversary contract value, multiplied by 6%. If the anniversary date occurs during the waiting period and prior to a withdrawal, the RALP will be set equal to the lesser of the ALP or total purchase payments plus any purchase payment credits, multiplied by 6%. If the anniversary date occurs at any other time, the RALP will be set equal to the ALP.

•	If the ALP has not yet been established but the new covered person is age 65 or older as of the ownership change date — the ALP and the RALP will be established on the ownership change date. The ALP will be set equal to the lesser of the RBA or the contract value, multiplied by 6%. If the ownership change date occurs during the waiting period and prior to a withdrawal, the RALP will be set to the lesser of the ALP or total purchase payments plus any purchase payment credits multiplied by 6%. If the ownership change date occurs at any other time, the RALP will be set to the ALP less all prior withdrawals made in the current contract year but not less than zero.

•	If the ALP has been established but the new covered person has not yet reached age 65 as of the ownership change date — the ALP and the RALP will be reset to zero for the period of time beginning with the ownership change date and ending with the contract anniversary following the date the covered person reaches age 65. At the end of this time period, the ALP will be reset to the lesser of the RBA or the anniversary contract value, multiplied by 6%. If the time period ends during the waiting period and prior to any withdrawals, the RALP will be reset to the lesser of the ALP or total purchase payments plus any purchase payment credits, multiplied by 6%. If the time period ends at any other time, the RALP will be reset to the ALP.

•	If the ALP has been established and the new covered person is age 65 or older as of the ownership change date — the ALP and the RALP will be reset on the ownership change date. The ALP will be reset to the lesser of the current ALP or 6% of the contract value. If the ownership change date occurs during the waiting period and prior to a withdrawal, the RALP will be reset to the lesser of the ALP or total purchase payments plus any purchase payment credits multiplied by 6%. If the ownership change date occurs at any other time, the RALP will be reset to the ALP less all prior withdrawals made in the current contract year but not less than zero.

Please note that the lifetime withdrawal benefit amount may be reduced as a result of the ownership change.

Joint Life: Ownership changes are only allowed between the covered spouses or their revocable trust(s). No other ownership changes are allowed as long as the rider is in force.

Under this option the amount payable each year will be equal to the remaining schedule of GBPs, but the total amount paid over the life of the annuity will not exceed the current total RBA at the time you begin this fixed annuity payout option. These annualized amounts will be paid in the frequency that you elect. The frequencies will be among those offered by us at that time but will be no less frequent than annually. If, at the death of the owner, total payouts have been made for less than the RBA, the remaining payouts will be paid to the beneficiary (see “The Annuity Payout Period” and “Taxes”).

138 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

APPENDIX I:

Example — Withdrawal Benefit Riders: Electing Step Up or Spousal Continuation Step Up

Assumptions:

This example assumes that the covered person (for joint life, younger covered spouse) is 65 or older and there are no additional purchase payments or withdrawals.


•	You own a RiverSource variable annuity with a withdrawal benefit rider. You are currently invested in the Variable Portfolio — Moderately Aggressive Portfolio (Class 2) (a Portfolio Navigator fund) with a current rider fee of 0.65%.

Your Contract Value (CV) is $100,000 and your withdrawal benefit rider currently provides the following benefits:


	1)	You can withdraw $6,000 a year for the rest of your life. This is your Annual Lifetime Payment. Or


	2)	You can withdraw $7,000 a year until you have withdrawn a total of $100,000. This is your Guaranteed Benefit Payment.

Based on your current CV, you will pay a rider fee of approximately $650 on your next annuity contract anniversary.


•	The annual fee for this rider has increased to 0.95% for clients invested in the Variable Portfolio — Moderately Aggressive Portfolio (Class 2).


	1)	Elect to lock in your contract gains to your benefit values (Step up):


	CV of $110,000	CV of $101,000


Increase in Annual Lifetime Payment	$600	$60

Increase in Guaranteed Benefit Payment	$700	$70

Increase in Annual Rider Fee	0.30%	0.30%

Increase in Annual Contract Charge	$330	$303

Automatic Step ups will continue on your next anniversary (if available under your rider).


	2)	Do not elect to lock in your contract gains (no Step up):


	CV of $110,000	CV of $101,000


Increase in Annual Lifetime Payment	$0	$0

Increase in Guaranteed Benefit Payment	$0	$0

Increase in Annual Rider Fee	0%	0%

Increase in Annual Contract Charge	$65	$6.50


	3)	Move to one of the Portfolio Stabilizer funds and elect the Step up:


	CV of $110,000	CV of $101,000


Increase in Annual Lifetime Payment	$600	$60

Increase in Guaranteed Benefit Payment	$700	$70

Increase in Annual Rider Fee	0%	0%

Increase in Annual Contract Charge	$65	$6.50

140 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

Appendix J: Condensed Financial Information (Unaudited)


Variable account charges of 0.85% of the daily net assets of the variable account.
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006


AllianceBernstein VPS Dynamic Asset Allocation Portfolio (Class B) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.07		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		215		—		—		—		—		—		—		—

AllianceBernstein VPS Global Thematic Growth Portfolio (Class B) (06/26/2006)
Accumulation unit value at beginning of period		$1.09		$0.97		$1.28		$1.09		$0.71		$1.37		$1.15		$1.00
Accumulation unit value at end of period		$1.33		$1.09		$0.97		$1.28		$1.09		$0.71		$1.37		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		1,790		1,954		2,365		2,971		3,313		1,964		1,519		6,467

AllianceBernstein VPS Growth and Income Portfolio (Class B) (06/26/2006)
Accumulation unit value at beginning of period		$1.17		$1.01		$0.96		$0.86		$0.72		$1.22		$1.17		$1.00
Accumulation unit value at end of period		$1.56		$1.17		$1.01		$0.96		$0.86		$0.72		$1.22		$1.17
Number of accumulation units outstanding at end of period (000 omitted)		5,717		5,898		5,814		5,889		6,136		5,992		7,074		1,936

AllianceBernstein VPS International Value Portfolio (Class B) (06/26/2006)
Accumulation unit value at beginning of period		$0.75		$0.66		$0.83		$0.80		$0.60		$1.30		$1.24		$1.00
Accumulation unit value at end of period		$0.91		$0.75		$0.66		$0.83		$0.80		$0.60		$1.30		$1.24
Number of accumulation units outstanding at end of period (000 omitted)		19,929		21,668		25,453		30,081		130,094		295,091		140,364		33,087

AllianceBernstein VPS Large Cap Growth Portfolio (Class B) (06/26/2006)
Accumulation unit value at beginning of period		$1.20		$1.05		$1.09		$1.00		$0.74		$1.23		$1.10		$1.00
Accumulation unit value at end of period		$1.64		$1.20		$1.05		$1.09		$1.00		$0.74		$1.23		$1.10
Number of accumulation units outstanding at end of period (000 omitted)		1,589		1,870		1,920		1,769		1,603		1,325		1,295		346

ALPS/Alerian Energy Infrastructure Portfolio: Class III (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.07		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		2,030		—		—		—		—		—		—		—

American Century VP Mid Cap Value, Class II (06/26/2006)
Accumulation unit value at beginning of period		$1.44		$1.25		$1.27		$1.08		$0.84		$1.12		$1.16		$1.00
Accumulation unit value at end of period		$1.86		$1.44		$1.25		$1.27		$1.08		$0.84		$1.12		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		6,113		6,244		6,599		6,746		71,544		74,527		79,523		987

American Century VP Ultra^®, Class II (06/26/2006)
Accumulation unit value at beginning of period		$1.25		$1.10		$1.10		$0.96		$0.72		$1.25		$1.04		$1.00
Accumulation unit value at end of period		$1.69		$1.25		$1.10		$1.10		$0.96		$0.72		$1.25		$1.04
Number of accumulation units outstanding at end of period (000 omitted)		3,083		3,237		3,488		3,552		3,365		3,395		2,725		36,949

American Century VP Value, Class II (06/26/2006)
Accumulation unit value at beginning of period		$1.20		$1.05		$1.05		$0.94		$0.79		$1.09		$1.16		$1.00
Accumulation unit value at end of period		$1.56		$1.20		$1.05		$1.05		$0.94		$0.79		$1.09		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		13,907		14,115		14,358		12,846		12,296		10,333		11,609		3,143

BlackRock Global Allocation V.I. Fund (Class III) (04/30/2012)
Accumulation unit value at beginning of period		$1.03		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.17		$1.03		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		4,565		1,275		—		—		—		—		—		—

ClearBridge Variable Small Cap Growth Portfolio – Class I (04/27/2007)
Accumulation unit value at beginning of period		$1.25		$1.06		$1.05		$0.85		$0.60		$1.02		$1.00		—
Accumulation unit value at end of period		$1.83		$1.25		$1.06		$1.05		$0.85		$0.60		$1.02		—
Number of accumulation units outstanding at end of period (000 omitted)		2,945		2,456		2,205		2,132		2,226		1,683		864		—

Columbia Variable Portfolio – Balanced Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.25		$1.10		$1.09		$0.97		$0.79		$1.14		$1.13		$1.00
Accumulation unit value at end of period		$1.51		$1.25		$1.10		$1.09		$0.97		$0.79		$1.14		$1.13
Number of accumulation units outstanding at end of period (000 omitted)		9,898		7,709		7,342		8,118		9,918		2,682		3,274		829

Columbia Variable Portfolio – Cash Management Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.04		$1.05		$1.06		$1.07		$1.07		$1.06		$1.02		$1.00
Accumulation unit value at end of period		$1.03		$1.04		$1.05		$1.06		$1.07		$1.07		$1.06		$1.02
Number of accumulation units outstanding at end of period (000 omitted)		24,234		25,597		32,019		38,057		56,313		97,399		60,832		34,337


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 141


Variable account charges of 0.85% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006


Columbia Variable Portfolio – Commodity Strategy Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.93		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		38		—		—		—		—		—		—		—

Columbia Variable Portfolio – Contrarian Core Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.21		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		684		—		—		—		—		—		—		—

Columbia Variable Portfolio – Core Bond Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.95		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		82		—		—		—		—		—		—		—

Columbia Variable Portfolio – Diversified Bond Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.40		$1.31		$1.24		$1.16		$1.02		$1.10		$1.05		$1.00
Accumulation unit value at end of period		$1.35		$1.40		$1.31		$1.24		$1.16		$1.02		$1.10		$1.05
Number of accumulation units outstanding at end of period (000 omitted)		40,444		59,211		58,892		63,231		972,289		788,507		586,913		145,290

Columbia Variable Portfolio – Dividend Opportunity Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.11		$0.98		$1.04		$0.90		$0.71		$1.21		$1.13		$1.00
Accumulation unit value at end of period		$1.40		$1.11		$0.98		$1.04		$0.90		$0.71		$1.21		$1.13
Number of accumulation units outstanding at end of period (000 omitted)		48,374		51,118		58,110		66,039		784,644		581,359		300,203		93,936

Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.90		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		296		—		—		—		—		—		—		—

Columbia Variable Portfolio – Emerging Markets Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.62		$1.36		$1.73		$1.46		$0.84		$1.84		$1.34		$1.00
Accumulation unit value at end of period		$1.58		$1.62		$1.36		$1.73		$1.46		$0.84		$1.84		$1.34
Number of accumulation units outstanding at end of period (000 omitted)		14,575		15,793		17,567		19,363		96,670		170,447		72,075		18,150

Columbia Variable Portfolio – Global Bond Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.42		$1.35		$1.30		$1.23		$1.11		$1.12		$1.05		$1.00
Accumulation unit value at end of period		$1.30		$1.42		$1.35		$1.30		$1.23		$1.11		$1.12		$1.05
Number of accumulation units outstanding at end of period (000 omitted)		15,294		18,657		19,772		21,158		313,653		259,518		199,962		41,689

Columbia Variable Portfolio – High Yield Bond Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.67		$1.46		$1.39		$1.23		$0.81		$1.09		$1.08		$1.00
Accumulation unit value at end of period		$1.76		$1.67		$1.46		$1.39		$1.23		$0.81		$1.09		$1.08
Number of accumulation units outstanding at end of period (000 omitted)		16,769		18,038		16,330		17,925		18,658		13,874		16,917		6,215

Columbia Variable Portfolio – Income Opportunities Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.28		$1.13		$1.07		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.34		$1.28		$1.13		$1.07		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		12,400		1,012		505		123		—		—		—		—

Columbia Variable Portfolio – Income Opportunities Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.66		$1.46		$1.39		$1.24		$0.88		$1.09		$1.07		$1.00
Accumulation unit value at end of period		$1.73		$1.66		$1.46		$1.39		$1.24		$0.88		$1.09		$1.07
Number of accumulation units outstanding at end of period (000 omitted)		13,238		15,227		14,836		15,925		425,767		209,056		151,929		49,975

Columbia Variable Portfolio – International Opportunity Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.12		$0.96		$1.11		$0.98		$0.78		$1.32		$1.18		$1.00
Accumulation unit value at end of period		$1.36		$1.12		$0.96		$1.11		$0.98		$0.78		$1.32		$1.18
Number of accumulation units outstanding at end of period (000 omitted)		3,326		3,480		3,977		4,182		4,460		3,440		3,482		1,285

Columbia Variable Portfolio – Large Cap Growth Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.16		$0.97		$1.01		$0.87		$0.64		$1.16		$1.14		$1.00
Accumulation unit value at end of period		$1.49		$1.16		$0.97		$1.01		$0.87		$0.64		$1.16		$1.14
Number of accumulation units outstanding at end of period (000 omitted)		4,264		3,914		3,901		4,320		4,123		3,524		4,502		1,470

Columbia Variable Portfolio – Large Core Quantitative Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.14		$1.01		$0.97		$0.83		$0.68		$1.18		$1.15		$1.00
Accumulation unit value at end of period		$1.51		$1.14		$1.01		$0.97		$0.83		$0.68		$1.18		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		2,354		2,497		1,867		1,258		1,264		1,237		1,353		461

Columbia Variable Portfolio – Managed Volatility Conservative Fund (Class 2) (11/18/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.00		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		5,181		—		—		—		—		—		—		—

142 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 0.85% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006


Columbia Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2) (11/18/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.01		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		21,256		—		—		—		—		—		—		—

Columbia Variable Portfolio – Managed Volatility Growth Fund (Class 2) (11/18/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.03		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		446,881		—		—		—		—		—		—		—

Columbia Variable Portfolio – Managed Volatility Moderate Growth Fund (Class 2) (11/18/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.02		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		297,687		—		—		—		—		—		—		—

Columbia Variable Portfolio – Marsico Growth Fund (Class 1) (06/26/2006)
Accumulation unit value at beginning of period		$1.25		$1.12		$1.16		$0.96		$0.77		$1.28		$1.09		$1.00
Accumulation unit value at end of period		$1.67		$1.25		$1.12		$1.16		$0.96		$0.77		$1.28		$1.09
Number of accumulation units outstanding at end of period (000 omitted)		20,128		23,250		26,127		29,159		626,487		391,002		205,091		48,403

Columbia Variable Portfolio – Marsico International Opportunities Fund (Class 2) (06/26/2006)
Accumulation unit value at beginning of period		$1.09		$0.94		$1.13		$1.00		$0.73		$1.43		$1.20		$1.00
Accumulation unit value at end of period		$1.30		$1.09		$0.94		$1.13		$1.00		$0.73		$1.43		$1.20
Number of accumulation units outstanding at end of period (000 omitted)		5,975		6,783		8,041		9,469		10,385		10,806		7,134		23,001

Columbia Variable Portfolio – Mid Cap Growth Opportunity Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.22		$1.11		$1.32		$1.05		$0.65		$1.19		$1.05		$1.00
Accumulation unit value at end of period		$1.59		$1.22		$1.11		$1.32		$1.05		$0.65		$1.19		$1.05
Number of accumulation units outstanding at end of period (000 omitted)		3,047		3,034		3,411		3,871		3,392		1,407		1,461		338

Columbia Variable Portfolio – Mid Cap Value Opportunity Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.18		$1.00		$1.11		$0.91		$0.65		$1.20		$1.09		$1.00
Accumulation unit value at end of period		$1.61		$1.18		$1.00		$1.11		$0.91		$0.65		$1.20		$1.09
Number of accumulation units outstanding at end of period (000 omitted)		11,990		12,608		14,876		17,892		66,735		94,511		58,370		50,393

Columbia Variable Portfolio – Multi-Strategy Alternatives Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.95		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		393		—		—		—		—		—		—		—

Columbia Variable Portfolio – S&P 500 Index Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.22		$1.06		$1.06		$0.93		$0.74		$1.19		$1.14		$1.00
Accumulation unit value at end of period		$1.59		$1.22		$1.06		$1.06		$0.93		$0.74		$1.19		$1.14
Number of accumulation units outstanding at end of period (000 omitted)		8,860		7,379		6,657		6,003		5,694		4,520		3,380		1,079

Columbia Variable Portfolio – Select Large-Cap Value Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.18		$1.00		$1.03		$0.86		$0.69		$1.15		$1.16		$1.00
Accumulation unit value at end of period		$1.61		$1.18		$1.00		$1.03		$0.86		$0.69		$1.15		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		3,252		2,101		2,007		1,680		915		794		881		285

Columbia Variable Portfolio – Select Smaller-Cap Value Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.17		$1.00		$1.11		$0.88		$0.63		$1.04		$1.10		$1.00
Accumulation unit value at end of period		$1.72		$1.17		$1.00		$1.11		$0.88		$0.63		$1.04		$1.10
Number of accumulation units outstanding at end of period (000 omitted)		2,065		1,803		2,236		1,954		1,459		1,213		1,104		397

Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.13		$1.12		$1.11		$1.09		$1.04		$1.08		$1.03		$1.00
Accumulation unit value at end of period		$1.09		$1.13		$1.12		$1.11		$1.09		$1.04		$1.08		$1.03
Number of accumulation units outstanding at end of period (000 omitted)		12,118		20,952		18,934		22,090		19,314		18,319		9,945		2,091

Credit Suisse Trust – Commodity Return Strategy Portfolio (06/26/2006)
Accumulation unit value at beginning of period		$0.90		$0.92		$1.07		$0.92		$0.78		$1.18		$1.02		$1.00
Accumulation unit value at end of period		$0.80		$0.90		$0.92		$1.07		$0.92		$0.78		$1.18		$1.02
Number of accumulation units outstanding at end of period (000 omitted)		7,283		8,763		10,196		8,793		8,768		6,606		4,051		23,928

Dreyfus Variable Investment Fund International Equity Portfolio, Service Shares (06/26/2006)
Accumulation unit value at beginning of period		$1.08		$0.89		$1.06		$0.97		$0.78		$1.37		$1.18		$1.00
Accumulation unit value at end of period		$1.26		$1.08		$0.89		$1.06		$0.97		$0.78		$1.37		$1.18
Number of accumulation units outstanding at end of period (000 omitted)		2,418		2,088		2,417		2,788		3,106		3,075		2,094		733

DWS Alternative Asset Allocation VIP, Class B (04/30/2012)
Accumulation unit value at beginning of period		$1.00		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.00		$1.00		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		2,058		633		—		—		—		—		—		—


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 143


Variable account charges of 0.85% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006


Eaton Vance VT Floating-Rate Income Fund (06/26/2006)
Accumulation unit value at beginning of period		$1.25		$1.18		$1.16		$1.07		$0.75		$1.03		$1.03		$1.00
Accumulation unit value at end of period		$1.29		$1.25		$1.18		$1.16		$1.07		$0.75		$1.03		$1.03
Number of accumulation units outstanding at end of period (000 omitted)		31,136		23,093		23,748		23,794		261,015		165,981		112,633		46,638

Fidelity^® VIP Contrafund^® Portfolio Service Class 2 (06/26/2006)
Accumulation unit value at beginning of period		$1.25		$1.09		$1.13		$0.97		$0.73		$1.28		$1.10		$1.00
Accumulation unit value at end of period		$1.63		$1.25		$1.09		$1.13		$0.97		$0.73		$1.28		$1.10
Number of accumulation units outstanding at end of period (000 omitted)		43,929		46,775		50,040		52,513		180,001		379,751		246,455		94,738

Fidelity^® VIP Mid Cap Portfolio Service Class 2 (06/26/2006)
Accumulation unit value at beginning of period		$1.33		$1.17		$1.32		$1.04		$0.75		$1.25		$1.09		$1.00
Accumulation unit value at end of period		$1.79		$1.33		$1.17		$1.32		$1.04		$0.75		$1.25		$1.09
Number of accumulation units outstanding at end of period (000 omitted)		34,636		36,939		41,822		44,384		199,837		248,092		127,339		36,125

Fidelity^® VIP Overseas Portfolio Service Class 2 (06/26/2006)
Accumulation unit value at beginning of period		$1.03		$0.86		$1.05		$0.94		$0.75		$1.35		$1.16		$1.00
Accumulation unit value at end of period		$1.32		$1.03		$0.86		$1.05		$0.94		$0.75		$1.35		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		7,439		7,248		8,862		9,733		10,921		10,113		8,721		2,653

Fidelity^® VIP Strategic Income Portfolio Service Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,039		—		—		—		—		—		—		—

FTVIPT Franklin Global Real Estate VIP Fund – Class 2 (06/26/2006)
Accumulation unit value at beginning of period		$0.91		$0.72		$0.77		$0.64		$0.55		$0.95		$1.22		$1.00
Accumulation unit value at end of period		$0.93		$0.91		$0.72		$0.77		$0.64		$0.55		$0.95		$1.22
Number of accumulation units outstanding at end of period (000 omitted)		12,529		12,218		12,544		12,512		13,465		13,508		15,015		6,443

FTVIPT Franklin Income VIP Fund – Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.07		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,815		—		—		—		—		—		—		—

FTVIPT Franklin Mutual Shares VIP Fund – Class 2 (06/26/2006)
Accumulation unit value at beginning of period		$1.12		$0.99		$1.01		$0.91		$0.73		$1.17		$1.14		$1.00
Accumulation unit value at end of period		$1.42		$1.12		$0.99		$1.01		$0.91		$0.73		$1.17		$1.14
Number of accumulation units outstanding at end of period (000 omitted)		14,378		15,322		16,523		16,807		17,365		17,652		20,093		5,798

FTVIPT Franklin Small Cap Value VIP Fund – Class 2 (06/26/2006)
Accumulation unit value at beginning of period		$1.28		$1.09		$1.14		$0.90		$0.70		$1.06		$1.09		$1.00
Accumulation unit value at end of period		$1.73		$1.28		$1.09		$1.14		$0.90		$0.70		$1.06		$1.09
Number of accumulation units outstanding at end of period (000 omitted)		10,846		11,090		12,614		12,529		13,709		12,625		11,602		4,228

FTVIPT Templeton Global Bond VIP Fund – Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,816		—		—		—		—		—		—		—

Goldman Sachs VIT U.S. Equity Insights Fund – Institutional Shares (06/26/2006)
Accumulation unit value at beginning of period		$1.08		$0.95		$0.92		$0.83		$0.69		$1.10		$1.13		$1.00
Accumulation unit value at end of period		$1.48		$1.08		$0.95		$0.92		$0.83		$0.69		$1.10		$1.13
Number of accumulation units outstanding at end of period (000 omitted)		5,863		5,828		6,322		6,259		7,238		7,321		9,453		4,040

Invesco V.I. American Franchise Fund, Series II Shares (04/27/2012)
Accumulation unit value at beginning of period		$0.97		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.34		$0.97		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		2,290		2,217		—		—		—		—		—		—

Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,391		—		—		—		—		—		—		—

Invesco V.I. Comstock Fund, Series II Shares (06/26/2006)
Accumulation unit value at beginning of period		$1.17		$0.99		$1.02		$0.89		$0.70		$1.10		$1.13		$1.00
Accumulation unit value at end of period		$1.57		$1.17		$0.99		$1.02		$0.89		$0.70		$1.10		$1.13
Number of accumulation units outstanding at end of period (000 omitted)		11,838		13,184		14,753		16,418		201,934		251,843		151,420		67,895

Invesco V.I. Diversified Dividend Fund, Series II Shares (04/29/2011)
Accumulation unit value at beginning of period		$1.08		$0.92		$1.00		—		—		—		—		—
Accumulation unit value at end of period		$1.39		$1.08		$0.92		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		4,691		3,837		3,425		—		—		—		—		—

144 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 0.85% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006


Invesco V.I. Global Health Care Fund, Series II Shares (06/26/2006)
Accumulation unit value at beginning of period		$1.37		$1.15		$1.11		$1.07		$0.85		$1.20		$1.09		$1.00
Accumulation unit value at end of period		$1.90		$1.37		$1.15		$1.11		$1.07		$0.85		$1.20		$1.09
Number of accumulation units outstanding at end of period (000 omitted)		4,342		3,559		3,626		3,184		3,258		3,220		2,213		16,983

Invesco V.I. International Growth Fund, Series II Shares (06/26/2006)
Accumulation unit value at beginning of period		$1.30		$1.14		$1.24		$1.11		$0.83		$1.40		$1.24		$1.00
Accumulation unit value at end of period		$1.53		$1.30		$1.14		$1.24		$1.11		$0.83		$1.40		$1.24
Number of accumulation units outstanding at end of period (000 omitted)		9,422		10,018		10,765		11,342		238,183		191,749		79,002		607

Invesco V.I. Mid Cap Growth Fund, Series II Shares (04/27/2012)
Accumulation unit value at beginning of period		$0.98		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.32		$0.98		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,745		1,716		—		—		—		—		—		—

Ivy Funds VIP Asset Strategy (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.20		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		2,674		—		—		—		—		—		—		—

Janus Aspen Series Flexible Bond Portfolio: Service Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		776		—		—		—		—		—		—		—

Janus Aspen Series Global Allocation Portfolio – Moderate: Service Shares (04/30/2012)
Accumulation unit value at beginning of period		$1.04		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.18		$1.04		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		2,323		63		—		—		—		—		—		—

Janus Aspen Series Janus Portfolio: Service Shares (05/01/2007)
Accumulation unit value at beginning of period		$1.06		$0.90		$0.97		$0.85		$0.63		$1.06		$1.00		—
Accumulation unit value at end of period		$1.37		$1.06		$0.90		$0.97		$0.85		$0.63		$1.06		—
Number of accumulation units outstanding at end of period (000 omitted)		9,620		11,784		13,258		15,295		639,872		430,107		255,815		—

Lazard Retirement Global Dynamic Multi Asset Portfolio – Service Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.12		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		370		—		—		—		—		—		—		—

MFS^® Investors Growth Stock Series – Service Class (06/26/2006)
Accumulation unit value at beginning of period		$1.33		$1.15		$1.16		$1.04		$0.76		$1.21		$1.10		$1.00
Accumulation unit value at end of period		$1.72		$1.33		$1.15		$1.16		$1.04		$0.76		$1.21		$1.10
Number of accumulation units outstanding at end of period (000 omitted)		2,972		2,826		2,987		2,801		2,648		1,141		650		320

MFS^® Utilities Series – Service Class (06/26/2006)
Accumulation unit value at beginning of period		$1.70		$1.52		$1.44		$1.28		$0.97		$1.57		$1.24		$1.00
Accumulation unit value at end of period		$2.03		$1.70		$1.52		$1.44		$1.28		$0.97		$1.57		$1.24
Number of accumulation units outstanding at end of period (000 omitted)		16,808		17,920		17,962		16,579		17,912		18,559		16,501		4,446

Morgan Stanley UIF Global Real Estate Portfolio, Class II Shares (06/26/2006)
Accumulation unit value at beginning of period		$1.26		$0.98		$1.09		$0.90		$0.64		$1.17		$1.29		$1.00
Accumulation unit value at end of period		$1.28		$1.26		$0.98		$1.09		$0.90		$0.64		$1.17		$1.29
Number of accumulation units outstanding at end of period (000 omitted)		7,323		7,544		8,256		8,650		96,054		117,566		42,226		21,964

Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares (06/26/2006)
Accumulation unit value at beginning of period		$1.40		$1.31		$1.42		$1.08		$0.69		$1.31		$1.08		$1.00
Accumulation unit value at end of period		$1.91		$1.40		$1.31		$1.42		$1.08		$0.69		$1.31		$1.08
Number of accumulation units outstanding at end of period (000 omitted)		4,661		5,355		6,756		6,158		5,604		4,975		4,591		17,766

Neuberger Berman Advisers Management Trust International Equity Portfolio (Class S) (06/26/2006)
Accumulation unit value at beginning of period		$1.05		$0.90		$1.03		$0.85		$0.64		$1.20		$1.17		$1.00
Accumulation unit value at end of period		$1.23		$1.05		$0.90		$1.03		$0.85		$0.64		$1.20		$1.17
Number of accumulation units outstanding at end of period (000 omitted)		3,017		3,459		3,961		4,163		137,644		119,726		86,117		26,194

Neuberger Berman Advisers Management Trust Socially Responsive Portfolio (Class S) (06/26/2006)
Accumulation unit value at beginning of period		$1.22		$1.11		$1.15		$0.95		$0.73		$1.21		$1.14		$1.00
Accumulation unit value at end of period		$1.66		$1.22		$1.11		$1.15		$0.95		$0.73		$1.21		$1.14
Number of accumulation units outstanding at end of period (000 omitted)		1,512		1,214		1,392		1,455		1,127		833		629		164

Oppenheimer Equity Income Fund/VA, Service Shares (09/15/2006)
Accumulation unit value at beginning of period		$1.03		$0.92		$0.97		$0.85		$0.65		$1.12		$1.07		$1.00
Accumulation unit value at end of period		$1.32		$1.03		$0.92		$0.97		$0.85		$0.65		$1.12		$1.07
Number of accumulation units outstanding at end of period (000 omitted)		1,805		1,658		1,883		2,050		2,171		1,604		1,833		138


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 145


Variable account charges of 0.85% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006


Oppenheimer Global Fund/VA, Service Shares (06/26/2006)
Accumulation unit value at beginning of period		$1.25		$1.04		$1.15		$1.00		$0.73		$1.23		$1.17		$1.00
Accumulation unit value at end of period		$1.58		$1.25		$1.04		$1.15		$1.00		$0.73		$1.23		$1.17
Number of accumulation units outstanding at end of period (000 omitted)		7,968		8,142		8,569		8,021		7,911		7,145		6,835		2,542

Oppenheimer Global Strategic Income Fund/VA, Service Shares (06/26/2006)
Accumulation unit value at beginning of period		$1.49		$1.33		$1.33		$1.17		$1.00		$1.17		$1.08		$1.00
Accumulation unit value at end of period		$1.47		$1.49		$1.33		$1.33		$1.17		$1.00		$1.17		$1.08
Number of accumulation units outstanding at end of period (000 omitted)		47,078		57,221		60,624		65,085		577,448		420,661		316,103		64,310

Oppenheimer Main Street Small Cap Fund^®/VA, Service Shares (06/26/2006)
Accumulation unit value at beginning of period		$1.24		$1.06		$1.10		$0.90		$0.66		$1.08		$1.10		$1.00
Accumulation unit value at end of period		$1.73		$1.24		$1.06		$1.10		$0.90		$0.66		$1.08		$1.10
Number of accumulation units outstanding at end of period (000 omitted)		6,265		6,322		6,884		7,403		8,026		7,814		7,765		3,088

PIMCO VIT All Asset Portfolio, Advisor Class (06/26/2006)
Accumulation unit value at beginning of period		$1.48		$1.30		$1.29		$1.15		$0.96		$1.15		$1.07		$1.00
Accumulation unit value at end of period		$1.47		$1.48		$1.30		$1.29		$1.15		$0.96		$1.15		$1.07
Number of accumulation units outstanding at end of period (000 omitted)		18,682		23,468		20,990		18,465		351,435		346,275		235,995		82,883

PIMCO VIT Global Multi-Asset Managed Allocation Portfolio, Advisor Class (04/30/2012)
Accumulation unit value at beginning of period		$1.03		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$0.94		$1.03		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		286		246		—		—		—		—		—		—

PIMCO VIT Total Return Portfolio, Advisor Class (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.96		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		661		—		—		—		—		—		—		—

Van Eck VIP Global Gold Fund (Class S Shares) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.77		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,001		—		—		—		—		—		—		—

Variable Portfolio – Aggressive Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.22		$1.08		$1.12		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.46		$1.22		$1.08		$1.12		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		319,087		288,564		249,264		79,955		—		—		—		—

Variable Portfolio – Aggressive Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.22		$1.08		$1.12		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.46		$1.22		$1.08		$1.12		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		528,534		569,607		673,876		709,794		—		—		—		—

Variable Portfolio – AQR Managed Futures Strategy Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.03		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		700		—		—		—		—		—		—		—

Variable Portfolio – BlackRock Global Inflation-Protected Securities Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.37		$1.31		$1.20		$1.16		$1.10		$1.11		$1.03		$1.00
Accumulation unit value at end of period		$1.29		$1.37		$1.31		$1.20		$1.16		$1.10		$1.11		$1.03
Number of accumulation units outstanding at end of period (000 omitted)		13,180		18,165		18,865		19,071		489,118		159,105		125,450		53,228

Variable Portfolio – Conservative Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.14		$1.07		$1.05		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.17		$1.14		$1.07		$1.05		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		111,142		179,383		124,664		37,862		—		—		—		—

Variable Portfolio – Conservative Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.14		$1.07		$1.05		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.16		$1.14		$1.07		$1.05		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		337,162		632,917		517,244		407,564		—		—		—		—

Variable Portfolio – Goldman Sachs Commodity Strategy Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.92		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		149		—		—		—		—		—		—		—

Variable Portfolio – Moderate Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.20		$1.09		$1.09		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.32		$1.20		$1.09		$1.09		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,702,393		1,710,156		1,372,850		543,150		—		—		—		—

146 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 0.85% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006


Variable Portfolio – Moderate Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.20		$1.09		$1.09		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.32		$1.20		$1.09		$1.09		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		3,816,277		3,811,596		3,866,447		4,048,660		—		—		—		—

Variable Portfolio – Moderately Aggressive Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.21		$1.09		$1.11		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.39		$1.21		$1.09		$1.11		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,171,461		1,155,594		1,004,346		382,806		—		—		—		—

Variable Portfolio – Moderately Aggressive Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.21		$1.09		$1.11		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.39		$1.21		$1.09		$1.11		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,972,689		2,256,097		2,609,307		2,821,858		—		—		—		—

Variable Portfolio – Moderately Conservative Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.17		$1.08		$1.07		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.24		$1.17		$1.08		$1.07		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		329,279		429,367		310,373		130,486		—		—		—		—

Variable Portfolio – Moderately Conservative Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.17		$1.08		$1.07		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.24		$1.17		$1.08		$1.07		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		860,888		1,156,617		1,071,873		1,012,023		—		—		—		—

Variable Portfolio – Partners Small Cap Value Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.28		$1.14		$1.20		$0.97		$0.72		$1.06		$1.12		$1.00
Accumulation unit value at end of period		$1.71		$1.28		$1.14		$1.20		$0.97		$0.72		$1.06		$1.12
Number of accumulation units outstanding at end of period (000 omitted)		6,596		7,960		9,513		11,214		373,857		309,935		185,435		24,338

Variable Portfolio – Pyrford International Equity Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.05		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		217		—		—		—		—		—		—		—

Variable Portfolio – Sit Dividend Growth Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.06		$0.97		$1.01		$0.91		$0.70		$1.15		$1.12		$1.00
Accumulation unit value at end of period		$1.35		$1.06		$0.97		$1.01		$0.91		$0.70		$1.15		$1.12
Number of accumulation units outstanding at end of period (000 omitted)		8,304		9,484		11,367		12,854		634,379		315,690		173,483		64,829

Variable Portfolio – Victory Established Value Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.28		$1.11		$1.19		$0.99		$0.73		$1.16		$1.10		$1.00
Accumulation unit value at end of period		$1.73		$1.28		$1.11		$1.19		$0.99		$0.73		$1.16		$1.10
Number of accumulation units outstanding at end of period (000 omitted)		1,483		1,530		1,610		922		738		671		780		107

Wanger International (06/26/2006)
Accumulation unit value at beginning of period		$1.45		$1.20		$1.42		$1.15		$0.77		$1.43		$1.24		$1.00
Accumulation unit value at end of period		$1.76		$1.45		$1.20		$1.42		$1.15		$0.77		$1.43		$1.24
Number of accumulation units outstanding at end of period (000 omitted)		20,183		21,094		24,125		26,504		187,502		120,530		56,104		23,903

Wanger USA (06/26/2006)
Accumulation unit value at beginning of period		$1.33		$1.11		$1.16		$0.95		$0.68		$1.13		$1.08		$1.00
Accumulation unit value at end of period		$1.76		$1.33		$1.11		$1.16		$0.95		$0.68		$1.13		$1.08
Number of accumulation units outstanding at end of period (000 omitted)		17,494		18,923		21,342		22,943		153,936		123,418		77,217		9,756

Wells Fargo Advantage VT International Equity Fund – Class 2 (06/26/2006)
Accumulation unit value at beginning of period		$0.99		$0.88		$1.02		$0.89		$0.77		$1.34		$1.17		$1.00
Accumulation unit value at end of period		$1.18		$0.99		$0.88		$1.02		$0.89		$0.77		$1.34		$1.17
Number of accumulation units outstanding at end of period (000 omitted)		5,763		7,030		7,768		8,294		298,706		4,123		4,214		1,467

Wells Fargo Advantage VT Opportunity Fund – Class 2 (06/26/2006)
Accumulation unit value at beginning of period		$1.35		$1.18		$1.26		$1.03		$0.70		$1.18		$1.12		$1.00
Accumulation unit value at end of period		$1.75		$1.35		$1.18		$1.26		$1.03		$0.70		$1.18		$1.12
Number of accumulation units outstanding at end of period (000 omitted)		4,561		4,859		5,638		2,066		2,178		1,767		2,129		556

Wells Fargo Advantage VT Small Cap Growth Fund – Class 2 (06/26/2006)
Accumulation unit value at beginning of period		$1.44		$1.35		$1.43		$1.14		$0.75		$1.29		$1.15		$1.00
Accumulation unit value at end of period		$2.15		$1.44		$1.35		$1.43		$1.14		$0.75		$1.29		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		6,304		6,577		7,143		8,077		7,416		5,757		5,179		1,212


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 147


Variable account charges of 0.85% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006


Western Asset Variable Global High Yield Bond Portfolio – Class II (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.01		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		258		—		—		—		—		—		—		—



Variable account charges of 1.45% of the daily net assets of the variable account.
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006


AllianceBernstein VPS Dynamic Asset Allocation Portfolio (Class B) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.06		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		95		—		—		—		—		—		—		—

AllianceBernstein VPS Global Thematic Growth Portfolio (Class B) (06/26/2006)
Accumulation unit value at beginning of period		$1.05		$0.94		$1.24		$1.06		$0.70		$1.36		$1.15		$1.00
Accumulation unit value at end of period		$1.27		$1.05		$0.94		$1.24		$1.06		$0.70		$1.36		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		33		12		100		117		215		114		83		43

AllianceBernstein VPS Growth and Income Portfolio (Class B) (06/26/2006)
Accumulation unit value at beginning of period		$1.13		$0.97		$0.93		$0.84		$0.71		$1.21		$1.17		$1.00
Accumulation unit value at end of period		$1.49		$1.13		$0.97		$0.93		$0.84		$0.71		$1.21		$1.17
Number of accumulation units outstanding at end of period (000 omitted)		175		185		157		138		212		193		302		65

AllianceBernstein VPS International Value Portfolio (Class B) (06/26/2006)
Accumulation unit value at beginning of period		$0.72		$0.64		$0.81		$0.79		$0.59		$1.29		$1.24		$1.00
Accumulation unit value at end of period		$0.87		$0.72		$0.64		$0.81		$0.79		$0.59		$1.29		$1.24
Number of accumulation units outstanding at end of period (000 omitted)		664		803		1,110		1,489		2,691		7,868		5,603		1,561

AllianceBernstein VPS Large Cap Growth Portfolio (Class B) (06/26/2006)
Accumulation unit value at beginning of period		$1.16		$1.01		$1.06		$0.98		$0.73		$1.22		$1.09		$1.00
Accumulation unit value at end of period		$1.56		$1.16		$1.01		$1.06		$0.98		$0.73		$1.22		$1.09
Number of accumulation units outstanding at end of period (000 omitted)		66		204		65		21		25		50		38		4

ALPS/Alerian Energy Infrastructure Portfolio: Class III (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.06		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		141		—		—		—		—		—		—		—

American Century VP Mid Cap Value, Class II (06/26/2006)
Accumulation unit value at beginning of period		$1.39		$1.21		$1.24		$1.06		$0.83		$1.11		$1.16		$1.00
Accumulation unit value at end of period		$1.78		$1.39		$1.21		$1.24		$1.06		$0.83		$1.11		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		241		294		370		358		730		2,024		2,413		40

American Century VP Ultra^®, Class II (06/26/2006)
Accumulation unit value at beginning of period		$1.20		$1.07		$1.08		$0.94		$0.71		$1.24		$1.04		$1.00
Accumulation unit value at end of period		$1.62		$1.20		$1.07		$1.08		$0.94		$0.71		$1.24		$1.04
Number of accumulation units outstanding at end of period (000 omitted)		75		89		78		181		47		127		152		530

American Century VP Value, Class II (06/26/2006)
Accumulation unit value at beginning of period		$1.15		$1.02		$1.03		$0.92		$0.78		$1.08		$1.16		$1.00
Accumulation unit value at end of period		$1.49		$1.15		$1.02		$1.03		$0.92		$0.78		$1.08		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		960		914		1,036		1,001		881		939		802		213

BlackRock Global Allocation V.I. Fund (Class III) (04/30/2012)
Accumulation unit value at beginning of period		$1.03		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.16		$1.03		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		438		37		—		—		—		—		—		—

ClearBridge Variable Small Cap Growth Portfolio – Class I (04/27/2007)
Accumulation unit value at beginning of period		$1.21		$1.03		$1.03		$0.83		$0.59		$1.01		$1.00		—
Accumulation unit value at end of period		$1.75		$1.21		$1.03		$1.03		$0.83		$0.59		$1.01		—
Number of accumulation units outstanding at end of period (000 omitted)		154		110		119		205		205		103		33		—

Columbia Variable Portfolio – Balanced Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.20		$1.07		$1.06		$0.95		$0.78		$1.13		$1.13		$1.00
Accumulation unit value at end of period		$1.44		$1.20		$1.07		$1.06		$0.95		$0.78		$1.13		$1.13
Number of accumulation units outstanding at end of period (000 omitted)		918		518		547		809		907		375		619		350

Columbia Variable Portfolio – Cash Management Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.00		$1.02		$1.03		$1.04		$1.06		$1.05		$1.02		$1.00
Accumulation unit value at end of period		$0.99		$1.00		$1.02		$1.03		$1.04		$1.06		$1.05		$1.02
Number of accumulation units outstanding at end of period (000 omitted)		2,678		3,268		4,106		5,325		11,291		21,135		15,777		7,385

148 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 1.45% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006


Columbia Variable Portfolio – Commodity Strategy Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.92		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		49		—		—		—		—		—		—		—

Columbia Variable Portfolio – Contrarian Core Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.21		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		85		—		—		—		—		—		—		—

Columbia Variable Portfolio – Core Bond Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.95		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		88		—		—		—		—		—		—		—

Columbia Variable Portfolio – Diversified Bond Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.35		$1.27		$1.21		$1.13		$1.00		$1.09		$1.05		$1.00
Accumulation unit value at end of period		$1.29		$1.35		$1.27		$1.21		$1.13		$1.00		$1.09		$1.05
Number of accumulation units outstanding at end of period (000 omitted)		3,068		5,731		6,538		7,525		31,929		31,170		28,774		5,708

Columbia Variable Portfolio – Dividend Opportunity Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.07		$0.95		$1.02		$0.88		$0.70		$1.20		$1.12		$1.00
Accumulation unit value at end of period		$1.34		$1.07		$0.95		$1.02		$0.88		$0.70		$1.20		$1.12
Number of accumulation units outstanding at end of period (000 omitted)		1,869		1,805		2,178		2,845		12,785		12,673		9,098		3,489

Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.90		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		152		—		—		—		—		—		—		—

Columbia Variable Portfolio – Emerging Markets Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.56		$1.31		$1.69		$1.43		$0.83		$1.82		$1.34		$1.00
Accumulation unit value at end of period		$1.51		$1.56		$1.31		$1.69		$1.43		$0.83		$1.82		$1.34
Number of accumulation units outstanding at end of period (000 omitted)		506		546		649		760		1,330		2,601		1,669		340

Columbia Variable Portfolio – Global Bond Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.37		$1.30		$1.26		$1.20		$1.09		$1.11		$1.05		$1.00
Accumulation unit value at end of period		$1.24		$1.37		$1.30		$1.26		$1.20		$1.09		$1.11		$1.05
Number of accumulation units outstanding at end of period (000 omitted)		972		1,641		2,021		2,598		9,993		9,621		9,331		1,982

Columbia Variable Portfolio – High Yield Bond Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.61		$1.41		$1.35		$1.21		$0.80		$1.08		$1.07		$1.00
Accumulation unit value at end of period		$1.68		$1.61		$1.41		$1.35		$1.21		$0.80		$1.08		$1.07
Number of accumulation units outstanding at end of period (000 omitted)		1,517		1,563		1,554		1,702		1,816		1,461		1,856		514

Columbia Variable Portfolio – Income Opportunities Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.26		$1.12		$1.07		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.31		$1.26		$1.12		$1.07		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,199		210		120		29		—		—		—		—

Columbia Variable Portfolio – Income Opportunities Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.60		$1.41		$1.35		$1.21		$0.86		$1.08		$1.07		$1.00
Accumulation unit value at end of period		$1.65		$1.60		$1.41		$1.35		$1.21		$0.86		$1.08		$1.07
Number of accumulation units outstanding at end of period (000 omitted)		979		1,299		1,249		1,525		8,735		4,855		4,738		1,866

Columbia Variable Portfolio – International Opportunity Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.08		$0.93		$1.08		$0.96		$0.77		$1.30		$1.17		$1.00
Accumulation unit value at end of period		$1.30		$1.08		$0.93		$1.08		$0.96		$0.77		$1.30		$1.17
Number of accumulation units outstanding at end of period (000 omitted)		207		250		229		219		250		182		260		100

Columbia Variable Portfolio – Large Cap Growth Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.11		$0.94		$0.98		$0.85		$0.63		$1.15		$1.13		$1.00
Accumulation unit value at end of period		$1.43		$1.11		$0.94		$0.98		$0.85		$0.63		$1.15		$1.13
Number of accumulation units outstanding at end of period (000 omitted)		133		189		159		196		245		206		237		69

Columbia Variable Portfolio – Large Core Quantitative Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.10		$0.98		$0.94		$0.81		$0.67		$1.17		$1.15		$1.00
Accumulation unit value at end of period		$1.44		$1.10		$0.98		$0.94		$0.81		$0.67		$1.17		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		47		40		73		68		89		86		136		38

Columbia Variable Portfolio – Marsico Growth Fund (Class 1) (06/26/2006)
Accumulation unit value at beginning of period		$1.20		$1.08		$1.13		$0.94		$0.75		$1.26		$1.09		$1.00
Accumulation unit value at end of period		$1.60		$1.20		$1.08		$1.13		$0.94		$0.75		$1.26		$1.09
Number of accumulation units outstanding at end of period (000 omitted)		705		829		1,189		1,476		9,757		8,302		5,811		1,493


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 149


Variable account charges of 1.45% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006


Columbia Variable Portfolio – Marsico International Opportunities Fund (Class 2) (06/26/2006)
Accumulation unit value at beginning of period		$1.05		$0.90		$1.10		$0.98		$0.72		$1.42		$1.20		$1.00
Accumulation unit value at end of period		$1.24		$1.05		$0.90		$1.10		$0.98		$0.72		$1.42		$1.20
Number of accumulation units outstanding at end of period (000 omitted)		260		247		399		496		668		887		819		748

Columbia Variable Portfolio – Mid Cap Growth Opportunity Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.18		$1.07		$1.28		$1.03		$0.64		$1.18		$1.05		$1.00
Accumulation unit value at end of period		$1.52		$1.18		$1.07		$1.28		$1.03		$0.64		$1.18		$1.05
Number of accumulation units outstanding at end of period (000 omitted)		103		91		83		156		178		81		89		16

Columbia Variable Portfolio – Mid Cap Value Opportunity Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.13		$0.97		$1.08		$0.89		$0.64		$1.19		$1.09		$1.00
Accumulation unit value at end of period		$1.54		$1.13		$0.97		$1.08		$0.89		$0.64		$1.19		$1.09
Number of accumulation units outstanding at end of period (000 omitted)		311		320		426		538		929		1,749		1,681		1,085

Columbia Variable Portfolio – Multi-Strategy Alternatives Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.94		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		229		—		—		—		—		—		—		—

Columbia Variable Portfolio – S&P 500 Index Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.17		$1.03		$1.03		$0.91		$0.73		$1.18		$1.14		$1.00
Accumulation unit value at end of period		$1.52		$1.17		$1.03		$1.03		$0.91		$0.73		$1.18		$1.14
Number of accumulation units outstanding at end of period (000 omitted)		538		502		397		470		728		476		499		10

Columbia Variable Portfolio – Select Large-Cap Value Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.13		$0.97		$1.00		$0.84		$0.68		$1.14		$1.16		$1.00
Accumulation unit value at end of period		$1.54		$1.13		$0.97		$1.00		$0.84		$0.68		$1.14		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		182		85		72		53		17		23		41		15

Columbia Variable Portfolio – Select Smaller-Cap Value Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.13		$0.97		$1.08		$0.86		$0.63		$1.03		$1.09		$1.00
Accumulation unit value at end of period		$1.65		$1.13		$0.97		$1.08		$0.86		$0.63		$1.03		$1.09
Number of accumulation units outstanding at end of period (000 omitted)		111		81		71		70		90		22		19		5

Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.08		$1.08		$1.08		$1.07		$1.02		$1.07		$1.03		$1.00
Accumulation unit value at end of period		$1.05		$1.08		$1.08		$1.08		$1.07		$1.02		$1.07		$1.03
Number of accumulation units outstanding at end of period (000 omitted)		2,035		3,166		4,378		4,382		4,922		2,703		1,689		130

Credit Suisse Trust – Commodity Return Strategy Portfolio (06/26/2006)
Accumulation unit value at beginning of period		$0.86		$0.89		$1.04		$0.90		$0.77		$1.17		$1.01		$1.00
Accumulation unit value at end of period		$0.76		$0.86		$0.89		$1.04		$0.90		$0.77		$1.17		$1.01
Number of accumulation units outstanding at end of period (000 omitted)		583		800		950		1,182		1,097		883		655		700

Dreyfus Variable Investment Fund International Equity Portfolio, Service Shares (06/26/2006)
Accumulation unit value at beginning of period		$1.04		$0.86		$1.03		$0.95		$0.77		$1.36		$1.18		$1.00
Accumulation unit value at end of period		$1.21		$1.04		$0.86		$1.03		$0.95		$0.77		$1.36		$1.18
Number of accumulation units outstanding at end of period (000 omitted)		262		304		368		444		454		317		164		35

DWS Alternative Asset Allocation VIP, Class B (04/30/2012)
Accumulation unit value at beginning of period		$1.00		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$0.99		$1.00		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		60		10		—		—		—		—		—		—

Eaton Vance VT Floating-Rate Income Fund (06/26/2006)
Accumulation unit value at beginning of period		$1.20		$1.14		$1.13		$1.05		$0.74		$1.03		$1.02		$1.00
Accumulation unit value at end of period		$1.23		$1.20		$1.14		$1.13		$1.05		$0.74		$1.03		$1.02
Number of accumulation units outstanding at end of period (000 omitted)		4,207		3,372		3,788		4,453		8,753		8,356		9,232		4,655

Fidelity^® VIP Contrafund^® Portfolio Service Class 2 (06/26/2006)
Accumulation unit value at beginning of period		$1.21		$1.05		$1.10		$0.95		$0.71		$1.27		$1.09		$1.00
Accumulation unit value at end of period		$1.56		$1.21		$1.05		$1.10		$0.95		$0.71		$1.27		$1.09
Number of accumulation units outstanding at end of period (000 omitted)		2,772		2,690		2,701		3,123		4,857		9,818		8,451		3,216

Fidelity^® VIP Mid Cap Portfolio Service Class 2 (06/26/2006)
Accumulation unit value at beginning of period		$1.27		$1.13		$1.29		$1.01		$0.74		$1.24		$1.09		$1.00
Accumulation unit value at end of period		$1.71		$1.27		$1.13		$1.29		$1.01		$0.74		$1.24		$1.09
Number of accumulation units outstanding at end of period (000 omitted)		988		1,110		1,256		1,724		3,813		6,011		4,186		1,152

Fidelity^® VIP Overseas Portfolio Service Class 2 (06/26/2006)
Accumulation unit value at beginning of period		$0.99		$0.83		$1.02		$0.92		$0.74		$1.34		$1.16		$1.00
Accumulation unit value at end of period		$1.27		$0.99		$0.83		$1.02		$0.92		$0.74		$1.34		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		348		292		461		655		683		624		609		234

150 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 1.45% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006


Fidelity^® VIP Strategic Income Portfolio Service Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		311		—		—		—		—		—		—		—

FTVIPT Franklin Global Real Estate VIP Fund – Class 2 (06/26/2006)
Accumulation unit value at beginning of period		$0.87		$0.69		$0.74		$0.62		$0.53		$0.94		$1.20		$1.00
Accumulation unit value at end of period		$0.88		$0.87		$0.69		$0.74		$0.62		$0.53		$0.94		$1.20
Number of accumulation units outstanding at end of period (000 omitted)		477		371		395		588		593		433		489		414

FTVIPT Franklin Income VIP Fund – Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.07		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		361		—		—		—		—		—		—		—

FTVIPT Franklin Mutual Shares VIP Fund – Class 2 (06/26/2006)
Accumulation unit value at beginning of period		$1.08		$0.96		$0.99		$0.90		$0.72		$1.17		$1.15		$1.00
Accumulation unit value at end of period		$1.37		$1.08		$0.96		$0.99		$0.90		$0.72		$1.17		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		626		902		1,011		1,148		1,338		1,691		1,979		485

FTVIPT Franklin Small Cap Value VIP Fund – Class 2 (06/26/2006)
Accumulation unit value at beginning of period		$1.23		$1.06		$1.12		$0.88		$0.69		$1.05		$1.09		$1.00
Accumulation unit value at end of period		$1.66		$1.23		$1.06		$1.12		$0.88		$0.69		$1.05		$1.09
Number of accumulation units outstanding at end of period (000 omitted)		367		401		462		700		717		685		602		232

FTVIPT Templeton Global Bond VIP Fund – Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		510		—		—		—		—		—		—		—

Goldman Sachs VIT U.S. Equity Insights Fund – Institutional Shares (06/26/2006)
Accumulation unit value at beginning of period		$1.04		$0.92		$0.90		$0.81		$0.68		$1.09		$1.13		$1.00
Accumulation unit value at end of period		$1.41		$1.04		$0.92		$0.90		$0.81		$0.68		$1.09		$1.13
Number of accumulation units outstanding at end of period (000 omitted)		156		232		143		356		224		335		494		196

Invesco V.I. American Franchise Fund, Series II Shares (04/27/2012)
Accumulation unit value at beginning of period		$0.96		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.33		$0.96		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		112		113		—		—		—		—		—		—

Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		620		—		—		—		—		—		—		—

Invesco V.I. Comstock Fund, Series II Shares (06/26/2006)
Accumulation unit value at beginning of period		$1.12		$0.96		$0.99		$0.87		$0.69		$1.09		$1.13		$1.00
Accumulation unit value at end of period		$1.50		$1.12		$0.96		$0.99		$0.87		$0.69		$1.09		$1.13
Number of accumulation units outstanding at end of period (000 omitted)		442		555		737		909		3,610		5,243		4,556		1,999

Invesco V.I. Diversified Dividend Fund, Series II Shares (04/29/2011)
Accumulation unit value at beginning of period		$1.06		$0.91		$1.00		—		—		—		—		—
Accumulation unit value at end of period		$1.37		$1.06		$0.91		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		295		250		103		—		—		—		—		—

Invesco V.I. Global Health Care Fund, Series II Shares (06/26/2006)
Accumulation unit value at beginning of period		$1.32		$1.11		$1.08		$1.05		$0.83		$1.19		$1.08		$1.00
Accumulation unit value at end of period		$1.82		$1.32		$1.11		$1.08		$1.05		$0.83		$1.19		$1.08
Number of accumulation units outstanding at end of period (000 omitted)		158		108		124		120		166		138		69		222

Invesco V.I. International Growth Fund, Series II Shares (06/26/2006)
Accumulation unit value at beginning of period		$1.25		$1.10		$1.20		$1.08		$0.81		$1.39		$1.23		$1.00
Accumulation unit value at end of period		$1.47		$1.25		$1.10		$1.20		$1.08		$0.81		$1.39		$1.23
Number of accumulation units outstanding at end of period (000 omitted)		256		296		359		390		3,323		3,345		1,942		14

Invesco V.I. Mid Cap Growth Fund, Series II Shares (04/27/2012)
Accumulation unit value at beginning of period		$0.97		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.31		$0.97		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		54		45		—		—		—		—		—		—

Ivy Funds VIP Asset Strategy (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.20		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		713		—		—		—		—		—		—		—


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 151


Variable account charges of 1.45% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006


Janus Aspen Series Flexible Bond Portfolio: Service Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		187		—		—		—		—		—		—		—

Janus Aspen Series Global Allocation Portfolio – Moderate: Service Shares (04/30/2012)
Accumulation unit value at beginning of period		$1.03		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.17		$1.03		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		55		5		—		—		—		—		—		—

Janus Aspen Series Janus Portfolio: Service Shares (05/01/2007)
Accumulation unit value at beginning of period		$1.02		$0.88		$0.94		$0.84		$0.63		$1.06		$1.00		—
Accumulation unit value at end of period		$1.31		$1.02		$0.88		$0.94		$0.84		$0.63		$1.06		—
Number of accumulation units outstanding at end of period (000 omitted)		366		519		591		593		9,009		7,617		5,761		—

Lazard Retirement Global Dynamic Multi Asset Portfolio – Service Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.12		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		300		—		—		—		—		—		—		—

MFS^® Investors Growth Stock Series – Service Class (06/26/2006)
Accumulation unit value at beginning of period		$1.28		$1.12		$1.13		$1.02		$0.74		$1.20		$1.10		$1.00
Accumulation unit value at end of period		$1.65		$1.28		$1.12		$1.13		$1.02		$0.74		$1.20		$1.10
Number of accumulation units outstanding at end of period (000 omitted)		377		369		269		230		223		224		122		57

MFS^® Utilities Series – Service Class (06/26/2006)
Accumulation unit value at beginning of period		$1.64		$1.47		$1.40		$1.25		$0.95		$1.56		$1.24		$1.00
Accumulation unit value at end of period		$1.94		$1.64		$1.47		$1.40		$1.25		$0.95		$1.56		$1.24
Number of accumulation units outstanding at end of period (000 omitted)		859		903		953		901		892		1,003		1,091		467

Morgan Stanley UIF Global Real Estate Portfolio, Class II Shares (06/26/2006)
Accumulation unit value at beginning of period		$1.21		$0.94		$1.07		$0.88		$0.63		$1.16		$1.28		$1.00
Accumulation unit value at end of period		$1.22		$1.21		$0.94		$1.07		$0.88		$0.63		$1.16		$1.28
Number of accumulation units outstanding at end of period (000 omitted)		470		470		425		429		1,188		2,112		1,085		624

Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares (06/26/2006)
Accumulation unit value at beginning of period		$1.35		$1.26		$1.38		$1.06		$0.68		$1.30		$1.08		$1.00
Accumulation unit value at end of period		$1.83		$1.35		$1.26		$1.38		$1.06		$0.68		$1.30		$1.08
Number of accumulation units outstanding at end of period (000 omitted)		198		214		203		159		215		268		387		397

Neuberger Berman Advisers Management Trust International Equity Portfolio (Class S) (06/26/2006)
Accumulation unit value at beginning of period		$1.01		$0.87		$1.00		$0.83		$0.63		$1.19		$1.17		$1.00
Accumulation unit value at end of period		$1.17		$1.01		$0.87		$1.00		$0.83		$0.63		$1.19		$1.17
Number of accumulation units outstanding at end of period (000 omitted)		75		80		96		100		1,600		1,895		2,072		680

Neuberger Berman Advisers Management Trust Socially Responsive Portfolio (Class S) (06/26/2006)
Accumulation unit value at beginning of period		$1.17		$1.07		$1.12		$0.93		$0.72		$1.20		$1.14		$1.00
Accumulation unit value at end of period		$1.58		$1.17		$1.07		$1.12		$0.93		$0.72		$1.20		$1.14
Number of accumulation units outstanding at end of period (000 omitted)		76		26		35		32		59		84		42		5

Oppenheimer Equity Income Fund/VA, Service Shares (09/15/2006)
Accumulation unit value at beginning of period		$0.99		$0.89		$0.95		$0.84		$0.64		$1.11		$1.07		$1.00
Accumulation unit value at end of period		$1.26		$0.99		$0.89		$0.95		$0.84		$0.64		$1.11		$1.07
Number of accumulation units outstanding at end of period (000 omitted)		356		366		383		379		403		323		375		6

Oppenheimer Global Fund/VA, Service Shares (06/26/2006)
Accumulation unit value at beginning of period		$1.20		$1.01		$1.12		$0.98		$0.72		$1.22		$1.16		$1.00
Accumulation unit value at end of period		$1.51		$1.20		$1.01		$1.12		$0.98		$0.72		$1.22		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		600		520		588		662		679		693		779		266

Oppenheimer Global Strategic Income Fund/VA, Service Shares (06/26/2006)
Accumulation unit value at beginning of period		$1.43		$1.28		$1.29		$1.14		$0.98		$1.16		$1.08		$1.00
Accumulation unit value at end of period		$1.41		$1.43		$1.28		$1.29		$1.14		$0.98		$1.16		$1.08
Number of accumulation units outstanding at end of period (000 omitted)		4,997		6,210		7,215		8,228		20,034		21,803		18,995		3,974

Oppenheimer Main Street Small Cap Fund^®/VA, Service Shares (06/26/2006)
Accumulation unit value at beginning of period		$1.19		$1.03		$1.07		$0.88		$0.65		$1.07		$1.10		$1.00
Accumulation unit value at end of period		$1.65		$1.19		$1.03		$1.07		$0.88		$0.65		$1.07		$1.10
Number of accumulation units outstanding at end of period (000 omitted)		247		249		302		320		266		350		487		231

PIMCO VIT All Asset Portfolio, Advisor Class (06/26/2006)
Accumulation unit value at beginning of period		$1.43		$1.26		$1.26		$1.13		$0.94		$1.14		$1.07		$1.00
Accumulation unit value at end of period		$1.41		$1.43		$1.26		$1.26		$1.13		$0.94		$1.14		$1.07
Number of accumulation units outstanding at end of period (000 omitted)		1,857		3,141		2,838		2,685		7,054		9,430		7,577		2,481

152 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 1.45% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006


PIMCO VIT Global Multi-Asset Managed Allocation Portfolio, Advisor Class (04/30/2012)
Accumulation unit value at beginning of period		$1.03		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$0.93		$1.03		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		144		—		—		—		—		—		—		—

PIMCO VIT Total Return Portfolio, Advisor Class (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.96		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		345		—		—		—		—		—		—		—

Van Eck VIP Global Gold Fund (Class S Shares) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.76		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		18		—		—		—		—		—		—		—

Variable Portfolio – Aggressive Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.20		$1.07		$1.12		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.42		$1.20		$1.07		$1.12		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		5,713		4,970		5,014		476		—		—		—		—

Variable Portfolio – Aggressive Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.20		$1.07		$1.12		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.43		$1.20		$1.07		$1.12		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,478		1,463		1,618		1,928		—		—		—		—

Variable Portfolio – AQR Managed Futures Strategy Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.03		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		89		—		—		—		—		—		—		—

Variable Portfolio – BlackRock Global Inflation-Protected Securities Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.32		$1.27		$1.17		$1.14		$1.08		$1.10		$1.03		$1.00
Accumulation unit value at end of period		$1.23		$1.32		$1.27		$1.17		$1.14		$1.08		$1.10		$1.03
Number of accumulation units outstanding at end of period (000 omitted)		1,280		2,237		2,570		2,975		13,553		7,067		5,715		2,119

Variable Portfolio – Conservative Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.12		$1.06		$1.04		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.14		$1.12		$1.06		$1.04		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		16,283		18,372		12,111		3,775		—		—		—		—

Variable Portfolio – Conservative Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.12		$1.06		$1.04		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.14		$1.12		$1.06		$1.04		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		21,050		31,090		32,521		40,233		—		—		—		—

Variable Portfolio – Goldman Sachs Commodity Strategy Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.92		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		65		—		—		—		—		—		—		—

Variable Portfolio – Moderate Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.18		$1.08		$1.09		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.29		$1.18		$1.08		$1.09		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		79,491		67,842		58,637		23,094		—		—		—		—

Variable Portfolio – Moderate Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.18		$1.08		$1.09		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.29		$1.18		$1.08		$1.09		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		32,386		32,281		37,613		41,323		—		—		—		—

Variable Portfolio – Moderately Aggressive Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.19		$1.08		$1.11		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.36		$1.19		$1.08		$1.11		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		33,555		32,489		29,585		7,132		—		—		—		—

Variable Portfolio – Moderately Aggressive Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.19		$1.08		$1.11		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.36		$1.19		$1.08		$1.11		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		7,968		7,702		10,729		12,286		—		—		—		—

Variable Portfolio – Moderately Conservative Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.15		$1.07		$1.07		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.21		$1.15		$1.07		$1.07		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		26,092		26,691		21,112		8,769		—		—		—		—


	RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS 153


Variable account charges of 1.45% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006


Variable Portfolio – Moderately Conservative Portfolio (Class 4) (05/07/2010)
Accumulation unit value at beginning of period		$1.15		$1.07		$1.07		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.21		$1.15		$1.07		$1.07		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		29,448		35,259		38,434		42,735		—		—		—		—

Variable Portfolio – Partners Small Cap Value Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.23		$1.10		$1.17		$0.95		$0.71		$1.05		$1.12		$1.00
Accumulation unit value at end of period		$1.64		$1.23		$1.10		$1.17		$0.95		$0.71		$1.05		$1.12
Number of accumulation units outstanding at end of period (000 omitted)		223		242		374		368		4,518		5,050		4,362		417

Variable Portfolio – Pyrford International Equity Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.05		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		25		—		—		—		—		—		—		—

Variable Portfolio – Sit Dividend Growth Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.02		$0.93		$0.98		$0.89		$0.69		$1.14		$1.11		$1.00
Accumulation unit value at end of period		$1.29		$1.02		$0.93		$0.98		$0.89		$0.69		$1.14		$1.11
Number of accumulation units outstanding at end of period (000 omitted)		250		270		280		367		7,956		5,981		4,256		1,499

Variable Portfolio – Victory Established Value Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.23		$1.07		$1.16		$0.97		$0.72		$1.15		$1.10		$1.00
Accumulation unit value at end of period		$1.65		$1.23		$1.07		$1.16		$0.97		$0.72		$1.15		$1.10
Number of accumulation units outstanding at end of period (000 omitted)		36		22		18		206		151		119		35		6

Wanger International (06/26/2006)
Accumulation unit value at beginning of period		$1.39		$1.16		$1.38		$1.12		$0.76		$1.42		$1.24		$1.00
Accumulation unit value at end of period		$1.68		$1.39		$1.16		$1.38		$1.12		$0.76		$1.42		$1.24
Number of accumulation units outstanding at end of period (000 omitted)		560		585		739		910		2,622		2,386		1,978		779

Wanger USA (06/26/2006)
Accumulation unit value at beginning of period		$1.28		$1.08		$1.13		$0.93		$0.67		$1.12		$1.08		$1.00
Accumulation unit value at end of period		$1.68		$1.28		$1.08		$1.13		$0.93		$0.67		$1.12		$1.08
Number of accumulation units outstanding at end of period (000 omitted)		440		480		636		744		2,189		2,340		2,054		422

Wells Fargo Advantage VT International Equity Fund – Class 2 (06/26/2006)
Accumulation unit value at beginning of period		$0.96		$0.85		$1.00		$0.87		$0.76		$1.32		$1.17		$1.00
Accumulation unit value at end of period		$1.13		$0.96		$0.85		$1.00		$0.87		$0.76		$1.32		$1.17
Number of accumulation units outstanding at end of period (000 omitted)		221		241		271		341		5,717		194		198		79

Wells Fargo Advantage VT Opportunity Fund – Class 2 (06/26/2006)
Accumulation unit value at beginning of period		$1.30		$1.14		$1.23		$1.00		$0.69		$1.17		$1.11		$1.00
Accumulation unit value at end of period		$1.67		$1.30		$1.14		$1.23		$1.00		$0.69		$1.17		$1.11
Number of accumulation units outstanding at end of period (000 omitted)		181		293		534		70		55		67		86		9

Wells Fargo Advantage VT Small Cap Growth Fund – Class 2 (06/26/2006)
Accumulation unit value at beginning of period		$1.39		$1.31		$1.39		$1.11		$0.74		$1.28		$1.14		$1.00
Accumulation unit value at end of period		$2.06		$1.39		$1.31		$1.39		$1.11		$0.74		$1.28		$1.14
Number of accumulation units outstanding at end of period (000 omitted)		301		335		344		388		377		334		363		74

Western Asset Variable Global High Yield Bond Portfolio – Class II (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.01		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		45		—		—		—		—		—		—		—

154 RIVERSOURCE RAVA 4 ADVANTAGE / RAVA 4 SELECT / RAVA 4 ACCESS VARIABLE ANNUITY — PROSPECTUS

Prospectus

May 1, 2014

RiverSource

RAVA 5 Advantage Variable Annuity

RAVA 5 Select Variable Annuity

RAVA 5 Access Variable Annuity

INDIVIDUAL FLEXIBLE PREMIUM DEFERRED COMBINATION FIXED/VARIABLE ANNUITIES


Issued by:	RiverSource Life Insurance Company (RiverSource Life)

70100 Ameriprise Financial Center

Minneapolis, MN 55474

Telephone: 1-800-862-7919

(Corporate Office)

ameriprise.com/variableannuities

RiverSource Variable Account 10/RiverSource Account MGA

Contracts described in this prospectus are offered for contract applications signed prior to April 30, 2012. New contracts are not currently being offered under this prospectus.

This prospectus contains information that you should know before investing in the RAVA 5 Advantage, RAVA 5 Select, or RAVA 5 Access. The information in this prospectus applies to all contracts unless stated otherwise.

Prospectuses are also available for:

• AllianceBernstein Variable Products Series Fund, Inc.

• ALPS Variable Investment Trust

• American Century Variable Portfolios, Inc

• BlackRock Variable Series Funds, Inc.

• Columbia Funds Variable Insurance Trust


•	Columbia Funds Variable Series Trust II
•	DWS Variable Series II

• Fidelity^® Variable Insurance Products — Service Class 2


•	Franklin^® Templeton^® Variable Insurance Products Trust (FTVIPT) — Class 2


•	Goldman Sachs Variable Insurance Trust (VIT)


•	Invesco Variable Insurance Funds

• Ivy Funds Variable Insurance Portfolios

• Janus Aspen Series: Service Shares


•	Lazard Retirement Services, Inc.
•	Legg Mason Partners Variable Income Trust

• MFS^® Variable Insurance Trust^sm

• Morgan Stanley Universal Institutional Funds (UIF)

• Neuberger Berman Advisers Management Trust

• Oppenheimer Variable Account Funds — Service Shares

• PIMCO Variable Insurance Trust (VIT)

• Van Eck VIP Trust

• Wells Fargo Variable Trust

Please read the prospectuses carefully and keep them for future reference.


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 1

RiverSource Life has not authorized any person to give any information or to make any representations regarding the contracts other than those contained in this prospectus or the fund prospectuses.

Table of Contents


Key Terms		3
The Contracts in Brief		5
Expense Summary		7
Condensed Financial Information		15
Financial Statements		15
The Variable Account and the Funds		15
Guarantee Period Accounts (GPAs)		17
The Fixed Account		19
Buying Your Contract		21
Charges		24
Valuing Your Investment		30
Making the Most of Your Contract		31
Surrenders		40
Changing the Annuitant		41
Changing Ownership		41
Benefits in Case of Death — Standard Death Benefit		44
Optional Benefits		45
The Annuity Payout Period		62
Taxes		64
Voting Rights		68
Substitution of Investments		69
About the Service Providers		69
Additional Information		71
Appendix A: The Funds		72
Appendix B: Example — Market Value Adjustment (MVA)		82
Appendix C: Example — Surrender Charges		84
Appendix D: Example — Optional Death Benefits		90
Appendix E: Example — Optional Living Benefits		96
Appendix F: Example — Additional RMD Disclosure		98
Appendix G: Condensed Financial Information (Unaudited)		99
Table of Contents of the Statement of Additional Information		136

2 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS

Key Terms

These terms can help you understand details about your contract.

Accumulation unit: A measure of the value of each subaccount prior to the application of amounts to an annuity payment plan.

Annuitant: The person or persons on whose life or life expectancy the annuity payouts are based.

Annuitization start date: The date when annuity payments begin according to the applicable annuity payment plan.

Annuity payouts: An amount paid at regular intervals under one of several plans.

Assumed investment return: The rate of return we assume your investments will earn when we calculate your initial annuity payout amount using the annuity table in your contract. The standard assumed investment return we use is 5% but you may request we substitute an assumed investment return of 3.5%.

Beneficiary: The person you designate to receive benefits in case of your death while the contract is in force.

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.

Contingent annuitant: The person who becomes the annuitant when the current annuitant dies prior to the annuitization start date. In the case of joint ownership, one owner must also be the contingent annuitant.

Contract value: The total value of your contract at any point in time.

Contract year: A period of 12 months, starting on the effective date of your contract and on each anniversary of the effective date.

Fixed Account: Our general account which includes the regular fixed account and the Special DCA fixed account. Amounts you allocate to this account earn interest at rates that we declare periodically.

Guarantee Period: The number of successive 12-month periods that a guaranteed interest rate is credited.

Guarantee Period Accounts (GPAs): A nonunitized separate account to which you may allocate purchase payments or transfer contract value of at least $1,000. These accounts have guaranteed interest rates for guarantee periods we declare when you allocate purchase payments or transfer contract value to a GPA. These guaranteed rates and periods of time may vary by state. Unless an exception applies, transfers or surrenders from a GPA done more than 30 days before the end of the guarantee period will receive a market value adjustment, which may result in a gain or loss of principal.

Owner (you, your): The person or persons identified in the contract as owner(s) of the contract, who has or have the right to control the contract (to decide on investment allocations, transfers, payout options, etc.). Usually, but not always, the owner is also the annuitant. During the owners life, the owner is responsible for taxes, regardless of whether he or she receives the contract’s benefits. The owner or any joint owner may be a nonnatural person (e.g. irrevocable trust or corporation) or a revocable trust. In this case, the annuitant will be deemed to be the owner for contract provisions that are based on the age or


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 3

life of the owner. When the contract is owned by a revocable trust, the annuitant selected should be the grantor of the trust to assure compliance with Section 72(s) of the Code. Any contract provisions that are based on the age of the owner will be based on the age of the oldest owner. Any ownership change, including continuation of the contract by your spouse under the spousal continuation provision of the contract, redefines “owner”, “you” and “your”.

Qualified annuity: A contract that you purchase to fund one of the following tax-deferred retirement plans that is subject to applicable federal law and any rules of the plan itself:


•	Individual Retirement Annuities (IRAs) including inherited IRAs under Section 408(b) of the Code

•	Roth IRAs including inherited Roth IRAs under Section 408A of the Code

•	Simplified Employee Pension IRA (SEP) plans under Section 408(k) of the Code

A qualified annuity will not provide any necessary or additional tax deferral if it is used to fund a retirement plan that is already tax-deferred.

All other contracts are considered nonqualified annuities.

Rider: You receive a rider to your contract when you purchase optional benefits. The rider adds the terms of the optional benefit to your contract.

Rider effective date: The date a rider becomes effective as stated in the rider.

RiverSource Life: In this prospectus, “we,” “us,” “our” and “RiverSource Life” refer to RiverSource Life Insurance Company.

Surrender value: The amount you are entitled to receive if you make a full surrender from your contract. It is the contract value immediately prior to the surrender, minus any applicable charges, plus any positive or negative market value adjustment.

If we receive your purchase payment or any transaction request (such as a transfer or surrender request) in good order at our corporate office before the close of business, we will process your payment or transaction using the accumulation unit value we calculate on the valuation date we received your payment or transaction request. On the other hand, if we receive your purchase payment or transaction request in good order at our corporate office at or after the close of business, we will process your payment or 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.

4 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS

The Contracts in Brief

This prospectus describes three contracts. Each contract has different expenses. RAVA 5 Access does not have surrender charges, but it has the highest mortality and expense risk fees of the three contracts. RAVA 5 Select has a four-year surrender charge schedule and has lower mortality and expense risk fees than RAVA 5 Access. RAVA 5 Advantage offers a choice of a seven-year or a ten-year surrender charge schedule, and has the lowest mortality and expense risk fees of the three contracts. Your financial advisor can help you determine which contract is best suited to your needs based on factors such as your investment goals and how long you intend to keep your contract. The information in this prospectus applies to all contracts unless stated otherwise.

Purpose: The purpose of each contract is to allow you to accumulate money for retirement or a similar long-term goal. You do this by making one or more purchase payments. You may allocate your purchase payments to the GPAs, regular fixed account, subaccounts and/or Special DCA fixed account under the contract; however, you risk losing amounts you invest in the subaccounts of the variable account. These accounts, in turn, may earn returns that increase the value of the contract. If the contract value goes to zero due to underlying fund’s performance or deduction of fees, the contract will no longer be in force and the contract (including any death benefit riders) will terminate. You may be able to purchase an optional benefit to reduce the investment risk you assume under your contract. Beginning at a specified time in the future called the annuitization start date, the contract provides lifetime or other forms of payouts of your contract value (less any applicable premium tax and/or other charges).

Buying a contract: New contracts as described in this prospectus are not currently being offered. However, you have the option of making additional purchase payments in the future, subject to certain limitations. Purchase payment amounts and purchase payment timing may be limited under the terms of your contract and/or pursuant to state requirements. (See “Buying Your Contract”)

It may not have been advantageous for you to purchase one of these contracts in exchange for, or in addition to, an existing annuity or life insurance policy. Generally, you can exchange one annuity for another or for a long-term care policy in a “tax-free” exchange under Section 1035 of the Code. You can also do a partial exchange from one annuity contract to another annuity contract, subject to Internal Revenue Service (IRS) rules. You also generally can exchange a life insurance policy for an annuity. However, before making an exchange, you should compare both contracts carefully because the features and benefits may be different. Fees and charges may be higher or lower on your old contract than on these contracts. You may have to pay a surrender charge when you exchange out of your old contract and a new surrender charge period will begin when you exchange into one of these contracts. If the exchange does not qualify for Section 1035 treatment, you also may have to pay federal income tax on the distribution. State income taxes may also apply. You should not exchange your old contract for one of these contracts, or buy one of these contracts in addition to your old contract, unless you determine it is in your best interest. (See “Taxes — 1035 Exchanges.”)

Tax-deferred retirement plans: Most annuities have a tax-deferred feature. So do many retirement plans under the Code. As a result, when you use a qualified annuity to fund a retirement plan that is tax-deferred, your contract will not provide any necessary or additional tax deferral for that retirement plan. A qualified annuity has features other than tax deferral that may help you reach your retirement goals. In addition, the Code subjects retirement plans to required withdrawals triggered at a certain age. These mandatory withdrawals are called required minimum distributions (“RMDs”). RMDs may reduce the value of certain death benefits and optional riders (see “Taxes — Qualified Annuities — Required Minimum Distributions”). You should consult your tax advisor before you purchase the contract as a qualified annuity for an explanation of the tax implications to you.

Free look period: As stated on the first page of your contract, return of the contract to your financial advisor or to our corporate office within the stated time frame results in a full refund of the contract value. The valuation date will be the date your request is received at our corporate office. (For California residents, the valuation date will be the earlier of the date your contract is returned to your financial advisor or to our corporate office). We will not deduct any contract charges or fees. However, you bear the investment risk from the time of purchase until you return the contract and any positive or negative market value adjustment will apply; the refund amount may be more or less than the payment you made. (Exception: If the law requires, we refund all of your purchase payments.)

Accounts: Generally, you may allocate your purchase payments among the:

•

subaccounts of the variable account, each of which invests in a fund with a particular investment objective. The value of each subaccount varies with the performance of the particular fund in which it invests. We cannot guarantee that the value at the annuitization start date will equal or exceed the total purchase payments you allocate to the subaccounts. (see “The Variable Account and the Funds”)


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 5


•	GPAs which earn interest at rates declared when you make an allocation to that account. The required minimum investment in each GPA is $1,000. These accounts may not be available in all states. (see “Guarantee Period Accounts (GPAs)”)

•	regular fixed account, which earns interest at rates that we adjust periodically. There are restrictions on transfers from this account and may be restrictions on the amount you can allocate to this account. For RAVA 5 Access contracts, you cannot select the regular fixed account unless it is included in the investment option you selected under the Portfolio Navigator program (PN program). Under the current PN program, the regular fixed account is not included in the investment options. (see “The Fixed Account”)

•	Special DCA fixed account, which earns interest at rates that we adjust periodically. There are restrictions on how long contract value can remain in this account. (see “The Fixed Account — The Special DCA Fixed Account”)

Transfers: Subject to certain restrictions, you currently may redistribute your contract value among the subaccounts without charge at any time until the annuitization start date, and once per contract year among the subaccounts after the annuitization start date. Transfers out of the GPAs done more than 30 days before the end of the guarantee period will be subject to an MVA, unless an exception applies. You may establish automated transfers among the accounts. Transfers into the Special DCA fixed account are not permitted. GPAs and the regular fixed account are subject to special restrictions. (see “Making the Most of Your Contract — Transferring Among Accounts”)

Surrenders: You may surrender all or part of your contract value at any time before the annuitization start date. You also may establish automated partial surrenders. Surrenders may be subject to charges and income taxes (including an IRS penalty that may apply if you surrender prior to your reaching age 591/2) and may have other tax consequences. If you have elected SecureSource Stages 2 rider, please consider carefully when you take surrenders. If you take any withdrawals during the 1-year waiting period or you withdraw more than the allowed withdrawal amount in a contract year (“excess withdrawal”) under the rider, your lifetime benefit amount will be affected. In addition, any withdrawals in the first 10 years will terminate any future rider credits. Certain other restrictions may apply. (see “Surrenders”)

Benefits in case of death: If you die before the annuitization start date, we will pay the beneficiary an amount based on the applicable death benefit. (see “Benefits in Case of Death — Standard Death Benefit”)

Optional benefits: These contracts have offered optional death benefits and optional living benefits. We have offered SecureSource Stages 2 riders and Accumulation Protector Benefit rider (offered for contract applications signed prior to Feb. 27, 2012) as optional living benefits. SecureSource Stages 2 riders are guaranteed minimum withdrawal benefits that permit you to withdraw a guaranteed amount from the contract over a period of time, which may include, under limited circumstances, the lifetime of a single person (Single Life) or the lifetime of you and your spouse (Joint Life). SecureSource Stages 2 riders may be appropriate for you if you intend to make periodic withdrawals from your annuity contract after the waiting period and wish to ensure that market performance will not affect your ability to withdraw income over your lifetime. This optional living benefit may not be appropriate for you if you do not intend to limit withdrawals to the amount allowed under the rider. Accumulation Protector Benefit rider is intended to provide you with a guaranteed contract value at the end of specified waiting period regardless of the volatility inherent in the investments in the subaccounts. Accumulation Protector Benefit rider may be appropriate for you if you want a guaranteed contract value at the end of specified waiting period regardless of the volatility inherent in the investments in the subaccounts. This optional living benefit may not be appropriate for you if you intend to surrender your contract value before the end of the 10-year waiting period or take withdrawals during the waiting period (which provides reduced benefit). If you selected an optional living benefit, we restrict investment options available to you, which may limit transfers and allocations; may limit the timing, amount and allocation of purchase payments; and may limit the amount of surrenders that can be taken under the optional benefit during a contract year. For more information about optional living benefits, please see “Optional Benefits — Optional Living Benefits”.

We have offered the following optional death benefits: ROPP Death Benefit, MAV Death Benefit, 5-year MAV Death Benefit, 5% Accumulation Death Benefit, Enhanced Death Benefit, Benefit Protector Death Benefit and Benefit Protector Plus Death Benefit. Benefit Protector Death Benefit and Benefit Protector Plus Death Benefit are intended to provide an additional benefit to your beneficiary to help offset expenses after your death such as funeral expenses or federal and state taxes.

Annuity payouts: You can apply your contract value, after reflecting any adjustments, to an annuity payout plan that begins on the annuitization start date. You may choose from a variety of plans that can help meet your retirement or other income needs. The payout schedule must meet IRS requirements. We can make payouts on a fixed or variable basis, or both. During the annuity payout period, your choices for subaccounts may be limited. The GPAs and the Special DCA fixed account are not available after the annuitization start date. (see “The Annuity Payout Period”)

6 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS

Expense Summary

The following tables describe the fees and expenses that you will pay when buying, owning and surrendering from these contracts. The first two tables describe the fees and expenses that you will pay at the time that you surrender one of these contracts. State premium taxes also may be deducted.

CONTRACT OWNER TRANSACTION EXPENSES

Surrender charges for RAVA 5 Advantage:

(Contingent deferred sales load as a percentage of purchase payments surrendered)

You select either a seven-year or ten-year surrender charge schedule at the time of application.


				Ten-year schedule
Seven-year schedule					Surrender charge
Number of completed	Surrender charge			Number of completed	Percentage applied
years from date of each	percentage applied to			years from date of each	to each purchase
purchase payment*	each purchase payment			purchase payment*	payment

0		7	%	0		8	%

1		7		1		8

2		7		2		8

3		6		3		7

4		5		4		6

5		4		5		5

6		2		6		4

7+		0		7		3

				8		2

				9		1

				10+		0

Surrender charge for RAVA 5 Select:

(Contingent deferred sales load as a percentage of purchase payments surrendered)


	Surrender charge
Contract	percentage applied
Year**	To purchase payments

1		7	%

2		6

3		5

4		4

5+		0

There are no surrender charges on and after the fourth contract anniversary.


^*		According to our current administrative practice, for the purpose of surrender charge calculation, we consider that the year is completed one day prior to the anniversary of the day each purchase payment was received.
^**		According to our current administrative practice, for the purpose of surrender charge calculation, we consider that the year is completed one day prior to the contract anniversary.

Surrender charge for RAVA 5 Access:

Surrender charge under Annuity Payout Plan E — Payouts for a specified period: If you are receiving variable annuity payments under this annuity payout plan, you can choose to take a surrender. The amount that you can surrender is the present value of any remaining variable payouts. The discount rate we use in the calculation will be 5.17% if the assumed investment return is 3.5% and 6.67% if the assumed investment return is 5%. The surrender charge equals the present value of the remaining payouts using the assumed investment return minus the present value of the remaining payouts using the discount rate. (See “Charges — Surrender Charge” and “The Annuity Payout Period — Annuity Payout Plans.”)


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 7

OTHER ANNUAL EXPENSES

Optional Death Benefits

If eligible, you may have selected an optional death benefit in addition to the Standard Death Benefit, MAV and 5-year MAV death benefits. The fees apply only if you elected the optional rider.



Benefit Protector Death Benefit rider fee	0.25	%

Benefit Protector Plus Death Benefit rider fee	0.40	%

(As a percentage of contract value charged annually on the contract anniversary.)

Optional Living Benefits

If eligible, you may have selected one of the following optional living benefits. The fees apply only if you selected one of these benefits. Investment allocation restrictions apply.



Accumulation Protector Benefit^® (APB^®) rider fee


For applications signed:	Initial annual rider fee			Maximum annual rider fee

prior to 10/04/2010		1.25	%		1.75	%

10/04/2010-11/13/2011		1.50	%		1.75	%

11/14/2011 and later		1.75	%		1.75	%

(Charged annually on the contract anniversary as a percentage of the contract value or the Minimum Contract Accumulation Value, whichever is greater.)

Current rider fees for elective step up or elective spousal continuation step up are shown in the table below.


				Current annual rider fee for			Current annual rider fee for
				elective step ups on/after			elective step ups on/after
				10/20/12 if invested in a			11/18/13 if invested in a
	Current annual rider fee for			Portfolio Navigator fund at			Portfolio Stabilizer fund
For applications signed:	elective step ups before 10/20/12			the time of the step up			at the time of the step up


prior to 10/04/2010		1.25	%		1.75	%		1.30	%

10/04/2010-11/13/2011		1.50	%		1.75	%		1.30	%

11/14/2011 and later		1.75	%		1.75	%		1.30	%



*SecureSource Stages^® 2 – Single life rider fee*	Maximum: 1.75	%	Current: 1.50	%⁽¹⁾

*SecureSource Stages^® 2 – Joint life rider fee*	Maximum: 2.25	%	Current: 1.75	%⁽¹⁾

(Charged annually on the contract anniversary as a percentage of contract value or the Benefit Base, whichever is greater.)


⁽¹⁾		For contract applications signed prior to Nov. 14, 2011, SecureSource Stage 2 – Single life rider current fee is 0.95% and SecureSource Stages 2 – Joint life rider current fee is 1.15% and for contract applications signed Nov. 14, 2011 through Feb. 26, 2012, SecureSource Stages 2 – Single life rider current fee is 1.10% and SecureSource Stages 2 – Joint life rider current fee is 1.35%.

ANNUAL OPERATING EXPENSES OF THE FUNDS

The next two tables describe the operating expenses of the funds that you may pay periodically during the time that you own the contract. These operating expenses are for the fiscal year ended Dec. 31, 2013, unless otherwise noted. The first table shows the minimum and maximum total operating expenses charged by the funds. The second table shows the fees and expenses charged by each fund. More detail concerning each fund’s fees and expenses is contained in each fund’s prospectus.

Minimum and maximum total annual operating expenses for the funds^(a)

(Including management fee, distribution and/or service (12b-1) fees and other expenses)


	Minimum			Maximum


Total expenses before fee waivers and/or expense reimbursements		0.44	%		4.82	%


^(a)		Each fund deducts management fees and other expenses from fund assets. Fund assets include amounts you allocate to a particular fund. Funds may also charge 12b-1 fees that are used to finance any activity that is primarily intended to result in the sale of fund shares. Because 12b-1 fees are paid out of fund assets on an on-going basis, you may pay more if you select subaccounts investing in funds that have adopted 12b-1 plans than if you select subaccounts investing in funds that have not adopted 12b-1 plans. The fund or the fund’s affiliates may pay us or our affiliates for promoting and supporting the offer, sale and servicing of fund shares. In addition, the fund’s distributor and/or investment adviser, transfer agent or their affiliates may pay us or our affiliates for various services we or our affiliates provide. The amount of these payments will vary by fund and may be significant. See “The Variable Accounts 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.


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 9

Total annual operating expenses for each fund underlying RAVA 5 Advantage, RAVA 5 Select and RAVA 5 Access*

(Before fee waivers and/or expense reimbursements, if applicable, as a percentage of average daily net assets)


				Distribution						Acquired fund			Total annual
	Management			and/or Service			Other			fees and			operating
Fund name**	fees			12b-1 fees			expenses			expenses***			expenses


AllianceBernstein VPS Dynamic Asset Allocation Portfolio (Class B)		0.70	%		0.25	%		0.19	%		—	%		1.14	%⁽¹⁾


AllianceBernstein VPS Large Cap Growth Portfolio (Class B)		0.75			0.25			0.10			—			1.10


ALPS/Alerian Energy Infrastructure Portfolio: Class III		0.70			0.25			1.27			—			2.22	⁽²⁾


American Century VP Value, Class II		0.87			0.25			—			—			1.12


BlackRock Global Allocation V.I. Fund (Class III)		0.62			0.25			0.24			—			1.11	⁽³⁾


Columbia Variable Portfolio – Balanced Fund (Class 3)		0.64			0.13			0.16			—			0.93


Columbia Variable Portfolio – Cash Management Fund (Class 2)		0.33			0.25			0.15			—			0.73


Columbia Variable Portfolio – Commodity Strategy Fund (Class 2)		0.55			0.25			0.30			—			1.10


Columbia Variable Portfolio – Contrarian Core Fund (Class 2)		0.68			0.25			0.13			—			1.06


Columbia Variable Portfolio – Core Bond Fund (Class 2)		0.43			0.25			0.14			—			0.82


Columbia Variable Portfolio – Diversified Bond Fund (Class 2)		0.41			0.25			0.14			—			0.80


Columbia Variable Portfolio – Dividend Opportunity Fund (Class 2)		0.56			0.25			0.14			—			0.95


Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2)		0.53			0.25			0.16			—			0.94


Columbia Variable Portfolio – Emerging Markets Fund (Class 2)		1.07			0.25			0.23			—			1.55


Columbia Variable Portfolio – Global Bond Fund (Class 2)		0.56			0.25			0.17			—			0.98


Columbia Variable Portfolio – High Yield Bond Fund (Class 2)		0.58			0.25			0.18			—			1.01


Columbia Variable Portfolio – Income Opportunities Fund (Class 2)		0.57			0.25			0.15			—			0.97


Columbia Variable Portfolio – International Opportunity Fund (Class 2)		0.79			0.25			0.21			—			1.25


Columbia Variable Portfolio – Large Cap Growth Fund (Class 2)		0.68			0.25			0.13			—			1.06


Columbia Variable Portfolio – Large Core Quantitative Fund (Class 2)		0.64			0.25			0.15			—			1.04


Columbia Variable Portfolio – Limited Duration Credit Fund (Class 2)		0.46			0.25			0.13			—			0.84


Columbia Variable Portfolio – Managed Volatility Conservative Fund (Class 2)		0.20			0.25			0.46			0.47			1.38	⁽⁴⁾


Columbia Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2)		0.20			0.25			0.20			0.52			1.17	⁽⁴⁾


Columbia Variable Portfolio – Managed Volatility Growth Fund (Class 2)		0.20			0.25			0.08			0.60			1.13	⁽⁴⁾


Columbia Variable Portfolio – Managed Volatility Moderate Growth Fund (Class 2)		0.19			0.25			0.06			0.54			1.04


Columbia Variable Portfolio – Marsico International Opportunities Fund (Class 2)		0.79			0.25			0.25			—			1.29	^(5),(6)


Columbia Variable Portfolio – Mid Cap Growth Opportunity Fund (Class 2)		0.76			0.25			0.14			—			1.15


Columbia Variable Portfolio – Mid Cap Value Opportunity Fund (Class 2)		0.74			0.25			0.14			—			1.13


Columbia Variable Portfolio – Multi-Strategy Alternatives Fund (Class 2)**		1.02			0.25			0.23			—			1.50


Columbia Variable Portfolio – S&P 500 Index Fund (Class 3)		0.10			0.13			0.21			—			0.44


Columbia Variable Portfolio – Select Large-Cap Value Fund (Class 2)		0.70			0.25			0.13			—			1.08


Columbia Variable Portfolio – Select Smaller-Cap Value Fund (Class 2)		0.79			0.25			0.20			—			1.24


Columbia Variable Portfolio – Strategic Income Fund (Class 2)		0.53			0.25			0.14			—			0.92


Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 2)		0.36			0.25			0.13			—			0.74


DWS Alternative Asset Allocation VIP, Class B		0.36			0.25			0.32			1.23			2.16	⁽⁷⁾


Fidelity^® VIP Contrafund^® Portfolio Service Class 2		0.55			0.25			0.09			—			0.89


Fidelity^® VIP Mid Cap Portfolio Service Class 2		0.55			0.25			0.09			—			0.89


Fidelity^® VIP Strategic Income Portfolio Service Class 2		0.56			0.25			0.12			—			0.93


FTVIPT Franklin Income VIP Fund – Class 2**		0.45			0.25			0.02			—			0.72


FTVIPT Franklin Mutual Shares VIP Fund – Class 2**		0.60			0.25			0.11			—			0.96


FTVIPT Franklin Small Cap Value VIP Fund – Class 2**		0.50			0.25			0.13			—			0.88


FTVIPT Templeton Global Bond VIP Fund – Class 2**		0.46			0.25			0.05			—			0.76


Goldman Sachs VIT Multi-Strategy Alternatives Portfolio – Advisor Shares		0.15			0.40			1.39			0.90			2.84	⁽⁸⁾


Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares		0.90			0.25			0.21			0.11			1.47	⁽⁹⁾

10 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS

Total annual operating expenses for each fund underlying RAVA 5 Advantage, RAVA 5 Select and RAVA 5 Access* (continued)

(Before fee waivers and/or expense reimbursements, if applicable, as a percentage of average daily net assets)


				Distribution						Acquired fund			Total annual
	Management			and/or Service			Other			fees and			operating
Fund name**	fees			12b-1 fees			expenses			expenses***			expenses


Ivy Funds VIP Asset Strategy		0.68	%		0.25	%		0.05	%		—	%		0.98	%⁽¹⁰⁾


Janus Aspen Series Flexible Bond Portfolio: Service Shares		0.51			0.25			0.05			—			0.81


Janus Aspen Series Global Allocation Portfolio – Moderate: Service Shares		0.05			0.25			2.12			0.81			3.23	⁽¹¹⁾


Janus Aspen Series Janus Portfolio: Service Shares		0.49			0.25			0.05			—			0.79


Lazard Retirement Global Dynamic Multi Asset Portfolio – Service Shares**		0.85			0.25			0.60			—			1.70	⁽¹²⁾


MFS^® Utilities Series – Service Class		0.73			0.25			0.07			—			1.05


Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares		0.75			0.35			0.34			—			1.44	⁽¹³⁾


Neuberger Berman Advisers Management Trust Absolute Return Multi-Manager Portfolio (Class S)		2.00			0.25			1.74			0.04			4.03	⁽¹⁴⁾


Neuberger Berman Advisers Management Trust Socially Responsive Portfolio (Class S)		0.85			0.25			0.15			—			1.25	⁽¹⁵⁾


Oppenheimer Global Fund/VA, Service Shares		0.63			0.25			0.14			—			1.02


Oppenheimer Global Strategic Income Fund/VA, Service Shares		0.57			0.25			0.17			—			0.99	⁽¹⁶⁾


Oppenheimer Main Street Small Cap Fund^®/VA, Service Shares		0.68			0.25			0.13			—			1.06	⁽¹⁷⁾


PIMCO VIT All Asset Portfolio, Advisor Class		0.43			0.25			—			0.76			1.44	⁽¹⁸⁾


PIMCO VIT Global Multi-Asset Managed Allocation Portfolio, Advisor Class**		0.95			0.25			0.01			0.52			1.73	⁽¹⁹⁾


PIMCO VIT Total Return Portfolio, Advisor Class		0.50			0.25			—			—			0.75


Van Eck VIP Global Gold Fund (Class S Shares)		0.75			0.25			3.82			—			4.82	⁽²⁰⁾


Variable Portfolio – Aggressive Portfolio (Class 2)		—			0.25			0.03			0.80			1.08


Variable Portfolio – American Century Diversified Bond Fund (Class 2)		0.44			0.25			0.13			—			0.82	⁽⁵⁾


Variable Portfolio – AQR Managed Futures Strategy Fund (Class 2)		1.02			0.25			0.17			—			1.44


Variable Portfolio – BlackRock Global Inflation-Protected Securities Fund (Class 2)		0.42			0.25			0.14			—			0.81


Variable Portfolio – Columbia Wanger International Equities Fund (Class 2)		0.91			0.25			0.21			—			1.37


Variable Portfolio – Columbia Wanger U.S. Equities Fund (Class 2)		0.85			0.25			0.15			—			1.25


Variable Portfolio – Conservative Portfolio (Class 2)		—			0.25			0.03			0.60			0.88


Variable Portfolio – DFA International Value Fund (Class 2)		0.84			0.25			0.16			—			1.25


Variable Portfolio – Eaton Vance Floating-Rate Income Fund (Class 2)		0.63			0.25			0.16			—			1.04


Variable Portfolio – Goldman Sachs Commodity Strategy Fund (Class 2)		0.55			0.25			0.16			—			0.96


Variable Portfolio – Holland Large Cap Growth Fund (Class 2)		0.63			0.25			0.13			—			1.01


Variable Portfolio – Invesco International Growth Fund (Class 2)		0.83			0.25			0.15			—			1.23


Variable Portfolio – J.P. Morgan Core Bond Fund (Class 2)		0.44			0.25			0.13			—			0.82


Variable Portfolio – Jennison Mid Cap Growth Fund (Class 2)		0.75			0.25			0.12			—			1.12


Variable Portfolio – Loomis Sayles Growth Fund (Class 2)**		0.64			0.25			0.12			—			1.01


Variable Portfolio – MFS Value Fund (Class 2)		0.62			0.25			0.12			—			0.99


Variable Portfolio – Moderate Portfolio (Class 2)		—			0.25			0.02			0.72			0.99


Variable Portfolio – Moderately Aggressive Portfolio (Class 2)		—			0.25			0.02			0.76			1.03


Variable Portfolio – Moderately Conservative Portfolio (Class 2)		—			0.25			0.02			0.67			0.94


Variable Portfolio – Morgan Stanley Global Real Estate Fund (Class 2)		0.85			0.25			0.19			—			1.29


Variable Portfolio – NFJ Dividend Value Fund (Class 2)		0.62			0.25			0.13			—			1.00


Variable Portfolio – Nuveen Winslow Large Cap Growth Fund (Class 2)		0.64			0.25			0.12			—			1.01


Variable Portfolio – Partners Small Cap Growth Fund (Class 2)		0.87			0.25			0.16			—			1.28


Variable Portfolio – Partners Small Cap Value Fund (Class 2)		0.91			0.25			0.14			0.01			1.31


Variable Portfolio – Pyramis^® International Equity Fund (Class 2)		0.84			0.25			0.16			—			1.25


Variable Portfolio – Pyrford International Equity Fund (Class 2)		0.77			0.25			0.18			—			1.20


Variable Portfolio – Sit Dividend Growth Fund (Class 2)		0.71			0.25			0.13			0.05			1.14


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 11

Total annual operating expenses for each fund underlying RAVA 5 Advantage, RAVA 5 Select and RAVA 5 Access* (continued)

(Before fee waivers and/or expense reimbursements, if applicable, as a percentage of average daily net assets)


				Distribution						Acquired fund			Total annual
	Management			and/or Service			Other			fees and			operating
Fund name**	fees			12b-1 fees			expenses			expenses***			expenses


Variable Portfolio – TCW Core Plus Bond Fund (Class 2)**		0.47	%		0.25	%		0.14	%		—	%		0.86	%⁽²¹⁾


Variable Portfolio – Victory Established Value Fund (Class 2)		0.77			0.25			0.12			—			1.14


Variable Portfolio – Wells Fargo Short Duration Government Fund (Class 2)		0.46			0.25			0.13			—			0.84


Wells Fargo Advantage VT Opportunity Fund – Class 2		0.65			0.25			0.19			0.01			1.10	⁽²²⁾


Wells Fargo Advantage VT Small Cap Growth Fund – Class 2		0.75			0.25			0.18			—			1.18


Western Asset Variable Global High Yield Bond Portfolio – Class II		0.70			0.25			0.13			—			1.08


*		The Funds provided the information on their expenses and we have not independently verified the information.


**		The previous fund names can be found in the Appendix under “The Funds”.


***		Includes fees and expenses incurred indirectly by the Fund as a result of its investment in other investment companies (also referred to as acquired funds).


⁽¹⁾		After a voluntary expense waiver and reimbursement, net expenses would be 1.10%.


⁽²⁾		ALPS Advisors, Inc. (the “Adviser”) has contractually agreed to waive its management fee and/or reimburse expenses so that total annual fund operating expenses after fee waiver/expense reimbursements (not including Distribution and/or Service (12b-1) Fees, Shareholder Service Fees, acquired fund fees and expenses, taxes, brokerage commissions and extraordinary expenses) do not exceed a maximum of 0.80% of Class III shares average daily net assets through April 29, 2015. This agreement may only be terminated during the period by the Board of Trustees of ALPS Variable Investment Trust. After fee waivers and/or reimbursements, net expenses would be 1.30%.


⁽³⁾		BlackRock has contractually agreed to waive and/or reimburse fees or expenses in order to limit total annual fund operating expenses after fee waivers and/or expense reimbursements (excluding dividend expense, interest expense, acquired fund fees and expenses and certain other Fund expenses) to 1.50% of average daily net assets until May 1, 2015. BlackRock has also contractually agreed to reimburse fees in order to limit certain operational and recordkeeping fees to 0.07% of average daily net assets until May 1, 2015. Each of these contractual agreements may be terminated upon 90 days’ notice by a majority of the non-interested directors of the Fund or by a vote of a majority of the outstanding voting securities of the Fund. In addition, the Manager may waive a portion of the Fund’s management fee in connection with the Fund’s investment in an affiliated money market fund. After fee waivers and/or reimbursements, net expenses would be 0.97%.


⁽⁴⁾		Columbia Management Investment Advisers, LLC and certain of its affiliates have contractually agreed to waive and/or to reimburse expenses (excluding transaction costs and certain other investment related expenses, interest, taxes and extraordinary expenses) until April 30, 2015, unless sooner terminated at the sole discretion of the Fund’s Board of Trustees. Under this agreement, the Fund’s net operating expenses, subject to applicable exclusions, will not exceed the annual rate of 1.10% for Columbia Variable Portfolio – Managed Volatility Conservative Fund (Class 2), 1.10% for Columbia Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2) and 1.10% for Columbia Variable Portfolio – Managed Volatility Growth Fund (Class 2).


⁽⁵⁾		Management fees have been restated to reflect contractual changes to the investment management fee rates.


⁽⁶⁾		Other expenses have been restated to reflect contractual changes to certain fees paid by the Fund.


⁽⁷⁾		Through April 30, 2015, the Advisor has contractually agreed to waive all or a portion of its management fee and reimburse or pay certain operating expenses of the portfolio to the extent necessary to maintain the portfolio’s total annual operating expenses at ratios no higher than 0.57% for Class B shares, excluding certain expenses such as extraordinary expenses, taxes, brokerage, interest expense and acquired funds (underlying funds) fees and expenses (estimated at 1.23%). These agreements may only be terminated with the consent of the fund’s Board. After fee waivers and/or reimbursements, net expenses would be 1.80%.


⁽⁸⁾		The Portfolio’s “Other Expenses” have been estimated to reflect expenses expected to be incurred during the first fiscal year. In addition, the Investment Adviser has agreed to (i) waive all of its Management Fees, and (ii) reduce or limit “Other Expenses” (excluding acquired fund fees and expenses, transfer agency fees and expenses, taxes, interest, brokerage fees, shareholder meeting, litigation, indemnification and extraordinary expenses) to 0.204% of the Portfolio’s average daily net assets. Each arrangement will remain in effect through at least April 30, 2015, and prior to such date the Investment Adviser may not terminate the arrangement without the approval of the Board of Trustees. After fee waivers and reimbursements, net expenses would be 1.52%.


⁽⁹⁾		Invesco Advisers, Inc. (“Invesco or the Adviser”) has contractually agreed to waive advisory fees and/or reimburse expenses of Series II shares to the extent necessary to limit total annual fund operating expenses after fee waiver and/or expense reimbursement (excluding certain items discussed below) of Series II shares to 1.01% of the Fund’s average daily nets assets. In determining the Adviser’s obligation to waive advisory fees and/or reimburse expenses, the following expenses are not taken into account, and could cause the total annual fund operating expenses after fee waiver and/or expense reimbursement to exceed the numbers reflected above: (i) interest; (ii) taxes; (iii) dividend expense on short sales; (iv) extraordinary or non-routine items, including litigation expenses; (v) expenses that the Fund has incurred but did not actually pay because of an expense offset arrangement. Acquired fund fees and expenses are also excluded in determining such obligation. Invesco has also contractually agreed to waive a portion of the Fund’s management fee in an amount equal to the net management fee that Invesco earns on the Fund’s investments in certain affiliated funds. This waiver will have the effect of reducing acquired fund fees and expenses that are indirectly borne by the Fund. Unless Invesco continues the fee waiver agreements, they will terminate on April 30, 2015. The fee waiver agreements cannot be terminated during their terms. After fee waivers and/or expense reimbursements, net expenses would be 1.05%.


⁽¹⁰⁾		After a voluntary expense waiver and/or reimbursement, net expenses would be 0.97%.


⁽¹¹⁾		Janus Capital has contractually agreed to waive its investment advisory fee and/or reimburse Portfolio expenses to the extent that the Portfolio’s total annual fund operating expenses (excluding any expenses of an underlying fund (acquired fund fees and expenses), distribution and shareholder servicing fees, administrative services fees payable pursuant to the Transfer Agency Agreement, brokerage commissions, interest, dividends, taxes, and extraordinary expenses) exceed 0.14% until at least May 1, 2015. The contractual waiver may be terminated or modified at any time prior to this date only at the discretion of the Board of Trustees. After fee waivers and/or reimbursements, net expenses would be 1.22%.


⁽¹²⁾		The Investment Manager has contractually agreed to waive its fee and, if necessary, reimburse the Portfolio through April 30, 2015, to the extent total annual portfolio operating expenses exceed 1.05%


⁽¹³⁾		The Portfolios’ Adviser, Morgan Stanley Investment Management Inc., has agreed to reduce its advisory fee and/or reimburse the Portfolio so that total annual portfolio operating expenses, excluding certain investment related expenses, taxes, interest and other extraordinary expenses (including litigation), will not exceed 1.15%. In addition, the Portfolio’s Distributor, Morgan Stanley Distribution Inc., has agreed to waive 0.25% of the 0.35% 12b-1 fee that it may receive. These fee waivers and/or

12 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


		expense reimbursements will continue for at least one year or until such time as the Board of Directors of The Universal Institutional Funds, Inc. acts to discontinue all or a portion of such waivers and/or reimbursements when it deems that such action is appropriate.


⁽¹⁴⁾		Other expenses, which includes dividend and interest expenses relating to short sales, are based on estimated expenses for the current fiscal year; actual expenses may vary. In addition, Neuberger Berman Management LLC (“NBM”) has contractually undertaken to waive and/or reimburse certain fees and expenses of Class S so that the total annual operating expenses (excluding interest, taxes, brokerage commissions, acquired fund fees and expenses, dividend and interest expenses related to short sales, and extraordinary expenses, if any) are limited to 2.40% of average net assets. This undertaking lasts until 12/31/2017 and may not be terminated during its term without the consent of the Board of Trustees. The Fund has agreed that Class S will repay NBM for fees and expenses waived or reimbursed for the class provided that repayment does not cause annual operating expenses to exceed 2.40% of the average net assets. Any such repayment must be made within three years after the year in which NBM incurred the expense. After fee waivers and/or reimbursements, net expenses would be 2.73%.


⁽¹⁵⁾		Neuberger Berman Management LLC (“NBM”) has undertaken through Dec. 31, 2017, to waive fees and/or reimburse certain operating expenses, including the compensation of NBM and excluding taxes, interest, extraordinary expenses, brokerage commissions and transaction costs, that exceed, in the aggregate, 1.17% of the average daily net asset value. The expense limitation arrangements for the Portfolio are contractual and any excess expenses can be repaid to NBM within three years of the year incurred, provided such recoupment would not cause a Portfolio to exceed its respective limitation.


⁽¹⁶⁾		The Manager has contractually agreed to waive fees and/or reimburse Fund expenses in an amount equal to the indirect management fees incurred through the Fund’s investment in funds managed by the Manager or its affiliates. This fee waiver and/or expense reimbursement may not be amended or withdrawn until one year from the date of the Fund’s prospectus, unless approved by the Board. After fee waivers and/or reimbursements, net expenses would be 0.97%.


⁽¹⁷⁾		The Manager has contractually agreed to waive fees and/or reimburse the Fund for certain expenses in order to limit total annual fund operating expenses after fee waiver and/or expense reimbursement (excluding any applicable dividend expense, taxes, interest and fees from borrowing, any subsidiary expenses, acquired fund fees and expenses, brokerage commissions, extraordinary expenses and certain other Fund expenses) to an annual rate of 1.05% as calculated on the daily net assets of the Fund. The Manager has also contractually agreed to waive fees and/or reimburse Fund expenses in an amount equal to the indirect management fees incurred through the Fund’s investments in funds managed by the Manager or its affiliates. These fee waivers and/or expense reimbursements may not be amended or withdrawn for one year from the date of the Fund’s prospectus, unless approved by the Board.


⁽¹⁸⁾		PIMCO has contractually agreed, through May 1, 2015, to reduce its advisory fee to the extent that the Underlying PIMCO Fund Expenses attributable to advisory and supervisory and administrative fees exceed 0.64% of the total assets invested in Underlying PIMCO Funds. PIMCO may recoup these waivers in future periods, not exceeding three years, provided total expenses, including such recoupment, do not exceed the annual expense limit. The fee reduction is implemented based on a calculation of Underlying PIMCO Fund Expenses attributable to advisory and supervisory and administrative fees that is different from the calculation of Acquired Fund Fees and Expenses listed in the table above. After fee waivers, net expenses would be 1.32%.


⁽¹⁹⁾		PIMCO has contractually agreed, through May 1, 2015, to waive, first, the advisory fee and, second, the supervisory and administrative fee it receives from the Portfolio in an amount equal to the expenses attributable to the Management Fees of Underlying PIMCO Funds indirectly incurred by the Portfolio in connection with its investments in Underlying PIMCO Funds, to the extent the Portfolio’s Management Fees are greater than or equal to the Management Fees of the Underlying PIMCO Funds. This waiver renews annually for a full year unless terminated by PIMCO upon at least 30 days’ notice prior to the end of the contract term. Certain fees and expenses are not waived or reimbursed, such as direct or indirect (through an acquired fund) interest expense or dividends paid on borrowed securities, and the expense of investing in acquired funds other than certain PIMCO funds. The amount of such expenses will vary based on the Portfolio’s use of those investments as an investment strategy best suited to seek the objective of the Portfolio. In addition, PIMCO has contractually agreed to waive the Portfolio’s advisory fee and the supervisory and administrative fee in an amount equal to the management fee and administrative services fee, respectively, paid by the PIMCO Cayman Commodity Portfolio II Ltd. (the “GMAMA Subsidiary”) to PIMCO. The GMAMA Subsidiary pays PIMCO a management fee and an administrative services fee at the annual rates of 0.49% and 0.20%, respectively, of its net assets. This waiver may not be terminated by PIMCO and will remain in effect for as long as PIMCO’s contract with the GMAMA Subsidiary is in place. After fee waivers, net expenses would be 1.27%.


⁽²⁰⁾		The Adviser has agreed to waive fees and/or pay Fund expenses to the extent necessary to prevent the operating expenses of the Fund (excluding acquired fund fees and expenses, interest expense, trading expenses, dividends and interest payments on securities sold short, taxes and extraordinary expenses) from exceeding 1.45% of the Fund’s average daily net assets per year until May 1, 2015. During such time, the expense limitation is expected to continue until the Board of Trustees acts to discontinue all or a portion of such expense limitation.


⁽²¹⁾		Effective April 1, 2014 through April 30, 2015, Columbia Management Investment Advisers, LLC has contractually agreed to waive a portion of its management fee for assets up to $1 billion. After fee waivers, net expenses would be 0.83%.


⁽²²⁾		The Adviser has committed through April 30, 2015 to waive fees and/or reimburse expenses to the extent necessary to cap the Fund’s total annual fund operating expenses after fee waiver at 1.00%. Brokerage commissions, stamp duty fees, interest, taxes, acquired fund fees and expenses and extraordinary expenses are excluded from the cap. After this time, the cap may be increased or the commitment to maintain the cap may be terminated only with the approval of the Board of Trustees. After fee waivers and/or reimbursements, net expenses would be 1.01%.


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 13

Examples

These examples are intended to help you compare the cost of investing in these contracts with the cost of investing in other variable annuity contracts. These costs include your transaction expenses, contract administrative charges, variable account annual expenses and fund fees and expenses.

These examples assume that you invest $10,000 in the contract for the time periods indicated. These examples also assume that your investment has a 5% return each year.

Maximum Expenses. These examples assume the most expensive combination of contract features and benefits and the maximum fees and expenses of the funds available with living benefit riders* and before fee waivers and/or expense reimbursements. They assume that you select the optional MAV Death Benefit, Benefit Protector Plus and SecureSource Stages 2 — Joint Life rider^(1),(3). Although your actual costs may be higher or lower, based on these assumptions your costs would be:


*		Note: Certain funds are not available for contracts with living benefit riders and may have higher fund expenses than the rider fee and associated fund expenses shown here.


									If you do not surrender your contract
	If you surrender your contract								or if you select an annuity payout plan
	at the end of the applicable time period:								at the end of the applicable time period:
	1 year		3 years		5 years		10 years		1 year		3 years		5 years		10 years


*RAVA 5 Advantage*

With a ten-year surrender charge schedule	$	1,296	$	2,436	$	3,382	$	5,709	$	576	$	1,715	$	2,841	$	5,618

*RAVA 5 Advantage*

With a seven-year surrender charge schedule		1,216		2,375		3,338		5,703		586		1,743		2,886		5,703

*RAVA 5 Select*		1,241		2,265		3,001		5,912		611		1,814		3,001		5,912

*RAVA 5 Access*		626		1,857		3,071		6,035		626		1,857		3,071		6,035

Minimum Expenses. These examples assume the least expensive combination of contract features and benefits and the minimum fees and expenses of any of the funds before fee waivers and/or expense reimbursements. They assume that you have the Standard Death Benefit and do not select any optional benefits⁽²⁾. Although your actual costs may be higher, based on these assumptions your costs would be:


									If you do not surrender your contract
	If you surrender your contract								or if you select an annuity payout plan
	at the end of the applicable time period:								at the end of the applicable time period:
	1 year		3 years		5 years		10 years		1 year		3 years		5 years		10 years


*RAVA 5 Advantage*

With a ten-year surrender charge schedule	$	909	$	1,299	$	1,457	$	1,944	$	162	$	500	$	857	$	1,844

*RAVA 5 Advantage*

With a seven-year surrender charge schedule		825		1,228		1,411		1,956		172		532		911		1,956

*RAVA 5 Select*		849		1,103		1,043		2,231		198		610		1,043		2,231

*RAVA 5 Access*		213		656		1,122		2,392		213		656		1,122		2,392


⁽¹⁾		In these examples, the contract administrative charge is $50.
⁽²⁾		In these examples, the contract administrative charge is $30.
⁽³⁾		Because these examples are intended to illustrate the most expensive combination of contract features, the maximum annual fee for each optional benefit is reflected rather than the fee that is currently being charged.

14 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS

Condensed Financial Information

You can find unaudited condensed financial information for the subaccounts representing the lowest and highest total annual variable account expense combinations for each contract in Appendix G.

Financial Statements

The Variable Account and the Funds

The funds: The contracts currently offer subaccounts investing in shares of the funds. For a list of underlying funds with a summary of investment objectives, investment advisers and subadvisers, please see Appendix A.


•	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 contract 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 funds’ 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 fund providers 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.

•	Asset allocation programs may impact fund performance: Asset allocation programs in general may negatively impact the performance of an underlying fund. Even if you do not participate in an asset allocation program, a fund in which your subaccount invests may be impacted if it is included in an asset allocation program. Rebalancing or reallocation under the terms of the asset allocation program may cause a fund to lose money if it must sell large amounts of securities to meet a redemption request. These losses can be greater if the fund holds securities that are not as liquid as others; for example,


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 15

various types of bonds, shares of smaller companies and securities of foreign issuers. A fund may also experience higher expenses because it must sell or buy securities more frequently than it otherwise might in the absence of asset allocation program rebalancing or reallocations. Because asset allocation programs include periodic rebalancing and may also include reallocation, these effects may occur under the asset allocation program we offer (see “Making the Most of Your Contract — Portfolio Navigator Program and Portfolio Stabilizer Funds”) or under asset allocation programs used in conjunction with the contracts and plans of other eligible purchasers of the funds.

•

Funds available under the contract: We seek to provide a broad array of underlying funds taking into account the fees and charges imposed by each fund and the contract charges we impose. We select the underlying funds in which the subaccounts initially invest and when there is substitution (see “Substitution of Investments”). We also make all decisions regarding which funds to retain in a contract, which funds to add to a contract and which funds will no longer be offered in a contract. 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 and non-cash compensation 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 and distribution expenses incurred with respect to the fund.


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

Expenses We May Incur on Behalf of the Funds

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

Conflicts of Interest These Payments May Create

16 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS

The Amount of Payments We Receive from the Funds


•	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 these revenues including but not limited to expense payments and non-cash compensation for various purposes:


	•	Compensating, training and educating financial advisors who sell the contracts.

	•	Granting access to our employees whose job it is to promote sales of the contracts by authorized selling firms and their financial advisors, and granting access to financial advisors of our affiliated selling firms.

	•	Activities or services we or our affiliates provide that assist in the promotion and distribution of the contracts including promoting the funds available under the contracts to prospective and existing contract owners, authorized selling firms and financial advisors.

	•	Providing sub-transfer agency and shareholder servicing to contract owners.

	•	Promoting, including and/or retaining the fund’s investment portfolios as underlying investment options in the contracts.

	•	Advertising, printing and mailing sales literature, and printing and distributing prospectuses and reports.

	•	Furnishing personal services to contract owners, including education of contract owners, 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).

	•	Subaccounting, transaction processing, recordkeeping and administration.


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


	•	Assets of the fund’s adviser and transfer agent 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.

	•	Compensation paid out of 12b-1 fees that are deducted from fund assets and disclosed in the “12b-1 fees” column of the “Annual Operating Expenses of the Funds” table.


•	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:


	•	Assets of the fund’s adviser, subadviser, transfer agent or an affiliate and assets of the fund’s distributor or an affiliate. The revenue resulting from these sources usually is based on a percentage of average daily net assets of the fund but there may be other types of payment arrangements.

	•	Compensation paid out of 12b-1 fees that are deducted from fund assets and disclosed in the “12b-1 fees” column of the “Annual Operating Expenses of the Funds” table.

Guarantee Period Accounts (GPAs)

The GPAs may not be available for contracts in some states.

Currently, unless the PN program is in effect, you may allocate purchase payments to one or more of the GPAs with guarantee periods declared by us. These periods of time may vary by state. The required minimum investment in each GPA is $1,000. These accounts are not offered after the annuitization start date.

The interest rates that we will declare as guaranteed rates in the future are determined by us at our discretion (future rates).


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 17


•	Securities issued by the U.S. government or its agencies or instrumentalities, which issues may or may not be guaranteed by the U.S. government;

•	Debt securities that have an investment grade, at the time of purchase, within the four highest grades assigned by any of three nationally recognized rating agencies — Standard & Poor’s, Moody’s Investors Service or Fitch — or are rated in the two highest grades by the National Association of Insurance Commissioners;

•	Debt instruments that are unrated, but which are deemed by RiverSource Life to have an investment quality within the four highest grades;

•	Other debt instruments which are unrated or rated below investment grade, limited to 15% of assets at the time of purchase; and

•	Real estate mortgages, limited to 30% of portfolio assets at the time of acquisition.

MARKET VALUE ADJUSTMENT (MVA)

We will not apply an MVA to contract value you transfer or surrender out of the GPAs during the 30-day period ending on the last day of the guarantee period. During this 30 day window you may choose to start a new guarantee period of the same length, transfer the contract value from the specified GPA to a GPA of another length, transfer the contract value from the specified GPA to any of the subaccounts or the regular fixed account, or surrender the value from the specified GPA (all subject to applicable surrender and transfer provisions). If we do not receive any instructions by the end of your guarantee period, we will automatically transfer the contract value from the specified GPA into the shortest GPA term offered in your state. If no GPAs are offered, we will transfer the value to the regular fixed account, if available. If the regular fixed account is not available, we will transfer the value to the money market or cash management variable subaccount we designate.

18 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS

We guarantee the contract value allocated to the GPAs, including interest credited, if you do not make any transfers or surrenders from the GPAs prior to 30 days before the end of the guarantee period (30-day rule). At all other times, and unless one of the exceptions to the 30-day rule described below applies, we will apply an MVA if you surrender or transfer contract value from a GPA or you elect an annuity payout plan while you have contract value invested in a GPA. We will refer to these transactions as “early surrenders.” The application of an MVA may result in either a gain or loss of principal.

The 30-day rule does not apply and no MVA will apply to:


•	amounts surrendered under contract provisions that waive surrender charges for Hospital or Nursing Home Confinement and Terminal Illness Disability Diagnosis; and

•	amounts deducted for fees and charges.

Amounts we pay as death claims will not be reduced by any MVA.


If your GPA rate is:	The MVA is:


Less than the new GPA rate + 0.10%		Negative

Equal to the new GPA rate + 0.10%		Zero

Greater than the new GPA rate + 0.10%		Positive

For an example, see Appendix B.

The Fixed Account

Amounts allocated to the fixed account are part of our general account. The fixed account includes the regular fixed account and the Special DCA fixed account. We credit interest on amounts you allocate to the fixed account at rates we determine from time to time at our discretion. These rates will be based on various factors including, but not limited to, the interest rate environment, returns we earn on our general account investments, the rates currently in effect for new and existing RiverSource Life annuities, product design, competition, and RiverSource Life’s profits, revenues and expenses. The guaranteed minimum interest rate on amounts invested in the fixed account may vary by state but will not be lower than state law allows. We back the principal and interest guarantees relating to the fixed account. These guarantees are based on the continued claims-paying ability of RiverSource Life. You should be aware that our general account is exposed to the risks normally associated with a portfolio of fixed-income securities, including interest rate, option, liquidity and credit risk. You should also be aware that we issue other types of insurance and financial products as well, and we also pay our obligations under these products from 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 REGULAR FIXED ACCOUNT

For RAVA 5 Advantage and RAVA 5 Select, unless the PN program is in effect, you also may allocate purchase payments or transfer contract value to the regular fixed account. For RAVA 5 Access contracts, you cannot allocate purchase payments or transfer contract value to the regular fixed account unless it is included in the investment option you selected under the PN program. Under the current PN program, the regular fixed account is not included in the investment options. The value of the regular fixed account increases as we credit interest to the account. We credit and compound interest daily based on a 365-day year (366 in a leap year) so as to produce the annual effective rate which we declare. The interest rate we apply to each purchase payment or transfer to the regular fixed account is guaranteed for one year. Thereafter, we will change the rates from time to time at our discretion, but your interest rate for each purchase payment or transfer will never change more frequently


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 19

than annually. There are restrictions on transfers from this account and may be restrictions on the amount you can allocate to this account (See “Making the Most of Your Contract — Transfer policies”.).

THE SPECIAL DCA FIXED ACCOUNT

You may allocate purchase payments to the Special DCA fixed account. You may not transfer contract value to the Special DCA fixed account.

You may allocate your entire purchase payment to the Special DCA fixed account for a term of six or twelve months. We reserve the right to offer shorter or longer terms for the Special DCA fixed account.

In accordance with your investment instructions, we transfer amounts from the Special DCA fixed account to the subaccounts or PN program investment option you select monthly so that, at the end of the Special DCA fixed account term, the balance of the Special DCA fixed account is zero. The amount of each transfer equals the remaining Special DCA fixed account value on the date of the transfer divided by the number of remaining transfers in the program. You may not change the amount of transfers. The first Special DCA monthly transfer occurs one day after we receive your payment. You may not use the regular fixed account or any GPA as a destination for the Special DCA monthly transfer.

The value of the Special DCA fixed account increases when we credit interest to the Special DCA fixed account, and decreases when we make monthly transfers from the Special DCA fixed account. When you allocate a purchase payment to the Special DCA fixed account, the interest rates applicable to that purchase payment will be the rates in effect for the Special DCA fixed account term you choose on the date we receive your purchase payment. The applicable interest rate is guaranteed for the length of the term for the Special DCA fixed account term you choose. We credit and compound interest daily based on a 365-day year (366 in a leap year) so as to produce the annual effective rate which we declare. We credit interest only on the declining balance of the Special DCA fixed account; we do not credit interest on amounts that have been transferred from the Special DCA fixed account. As a result, the net effective interest rates we credit will be less than the declared annual effective rates. Generally, we will credit the Special DCA fixed account with interest at the same annual effective rate we apply to the regular fixed account on the date we receive your purchase payment, regardless of the length of the term you select. From time to time, we may credit interest to the Special DCA fixed account at promotional rates that are higher than those we credit to the regular fixed account. We reserve the right to declare different annual effective rates:


•	for the Special DCA fixed account and the regular fixed account; and

•	for the Special DCA fixed accounts with terms of differing length.

Alternatively, you may allocate your purchase payment to any combination of the following which equals one hundred percent of the amount you invest:


•	the Special DCA fixed account for a six month term;

•	the Special DCA fixed account for a twelve month term;

•	the PN program investment option in effect;

•	if no PN program investment option is in effect, to the regular fixed account, the GPAs and/or the subaccounts, subject to investment minimums and other restrictions we may impose on investments in the regular fixed account and the GPAs.

Once you establish a Special DCA fixed account, you cannot allocate additional purchase payments to it. However, you may establish another Special DCA fixed account and allocate new purchase payments to it.

If you participate in the PN program, and you change to a different PN program investment option while a Special DCA fixed account term is in progress, we will allocate transfers from the Special DCA fixed account to your newly-elected PN program investment option.

If your contract permits and you discontinue your participation in the PN program while a Special DCA fixed account term is in progress, we will allocate transfers from your Special DCA fixed account for the remainder of the term to the subaccounts in accordance with your current Special DCA fixed account allocation instructions. If your current Special DCA fixed account allocation instructions include a fund to which allocations are restricted and you do not provide new instructions, we will transfer prorated amounts to the valid portion of your allocation instruction.

You may discontinue any Special DCA fixed account before the end of its term by giving us notice. If you do so, we will transfer the remaining balance of the Special DCA fixed account to the PN program investment option in effect, or if no PN program investment option is in effect, in accordance with your investment instructions to us to the regular fixed account, if available, the GPAs and/or the subaccounts, subject to investment minimums and other restrictions we may impose on investments in the regular fixed account and the GPAs, including but not limited to, any limitations described in this prospectus on transfers (see “Transfer policies”).

20 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS

Dollar-cost averaging from the Special DCA fixed account does not guarantee that any subaccount will gain in value nor will it protect against a decline in value if market prices fall. For a discussion of how dollar-cost averaging works, see “Making the Most of your Contract — Automated Dollar-Cost Averaging.”

Buying Your Contract

New contracts as described in this prospectus are not currently being offered. We are required by law to obtain personal information from you which we used to verify your identity. If you do not provide this information we reserve the right to refuse to issue your contract or take other steps we deem reasonable. As the owner, you have all rights and may receive all benefits under the contract. You can own a qualified or nonqualified annuity. Generally, you can own a nonqualified annuity in joint tenancy with rights of survivorship only in spousal situations. You cannot own a qualified annuity in joint tenancy. You can buy a contract if you are 90 or younger.

When you applied, you may have selected (if available in your state):


•	GPAs, the regular fixed account⁽¹⁾, subaccounts and/or the Special DCA fixed account in which you want to invest;

•	how you want to make purchase payments;

•	a beneficiary;

•	under RAVA 5 Advantage, the length of the surrender charge period (seven or ten years);

•	one of the following optional death benefit riders:


	–	ROPP Death Benefit;

	–	MAV Death Benefit;

	–	5-Year MAV Death Benefit;

	–	5% Accumulation Death Benefit; or

	–	Enhanced Death Benefit.


•	One of the following additional optional death benefit riders:


	–	Benefit Protector Death Benefit⁽²⁾; or

	–	Benefit Protector Plus Death Benefit⁽²⁾;


•	one of the following optional living benefit riders:


	–	Accumulation Protector Benefit⁽³⁾; or

	–	SecureSource Stages 2.


⁽¹⁾		For RAVA 5 Access contracts, you cannot select the regular fixed account unless it is included in a PN program investment option you selected. Under the current PN program, the regular fixed account is not included in the investment options.
⁽²⁾		Not available with the 5% Accumulation or Enhanced Death Benefits.
⁽³⁾		Not available for contract applications signed on or after Feb. 27, 2012.

The contracts provide for allocation of purchase payments to the subaccounts of the variable account, to the GPAs, to the regular fixed account (if available) and/or to the Special DCA fixed account subject to the $1,000 required minimum investment for the GPAs. We currently allow you to allocate the total amount of purchase payment to the regular fixed account for RAVA 5 Advantage and RAVA 5 Select. We reserve the right to limit purchase payment allocations to the regular fixed account at any time on a non-discriminatory basis with notification, subject to state restrictions. You cannot allocate purchase payments to the fixed account for six months following a partial surrender from the fixed account, a lump sum transfer from the regular fixed account, or termination of automated transfers from the Special DCA fixed account prior to the end of the Special DCA fixed account term. For RAVA 5 Access contracts, you cannot allocate purchase payments to the regular fixed account unless it is included in a PN program investment option you selected. Under the current PN program, the regular fixed account is not included in the investment options. (See “Purchase Payments.”)

If your application is complete, we will process it and apply your purchase payment to your investment selections within two business days after we receive it at our corporate office. If we accept your application, we will send you a contract. If your application is not complete, you must give us the information to complete it within five business days. If we cannot accept your application within five business days, we will decline it and return your payment unless you specifically ask us to keep the payment and apply it once your application is complete.


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 21

we receive an additional purchase payment at our corporate office at or after the close of business, we will credit any portion of that payment allocated to the subaccounts using the accumulation unit value we calculate on the next valuation date after we received the payment.

You may make regular payments to your contract under a scheduled payment plan. Initial purchase payments are $1,000, $2,000 or $10,000 depending on the product and tax qualification (see “Buying Your Contract — Purchase Payments”). Then, to begin the scheduled payment plan, you will complete and send a form and your first scheduled payment plan payment along with your application. There is no charge for the scheduled payment plan. You can stop your scheduled payment plan payments at any time.

THE ANNUITIZATION START DATE

Annuity payouts begin on the annuitization start date. This means that the contract will be annuitized or converted to a stream of monthly payments. If your contract is annuitized, the contract goes into payout and only the annuity payout provisions continue. Unless annuity payout Plan E is selected, you will no longer have access to your contract value. This means that the death benefit and any optional benefits you have elected will end. When we process your application, we will establish the annuitization start date to be the maximum age (or contract anniversary if applicable). You also can change the annuitization start date, provided you send us written instructions at least 30 days before annuity payouts begin.

The annuitization start date must be:


•	no earlier than the 30th day after the contract’s effective date; and no later than

•	the owner’s 95th birthday or the tenth contract anniversary, if later,

•	or such other date as agreed to by us.

Six months prior to your annuitization start date, we will contact you with your options including the option to postpone your annuitization start date to a future date. You can also choose to delay the annuitization of your contract beyond age 95 indefinitely, to the extent allowed by applicable state law and tax laws.

If you do not make an election, annuity payouts using the contract’s default option of annuity payout Plan B – Life with 10 years certain will begin on the annuitization start date and your monthly annuity payments will continue for as long as the annuitant lives. If the annuitant does not survive 10 years, beneficiaries will continue to receive payments until 10 years of payments have been made.

If you own a qualified annuity (for example, an IRA) and tax laws require that you take distributions from your annuity prior to your new annuitization start date, your contract will not be automatically annuitized. However, if you choose, you can elect to request annuitization or take surrenders to meet your required minimum distributions.

Please see “SecureSource Stages 2 — Other Provisions” section regarding options under this rider at the annuitization start date.

BENEFICIARY

We will pay to your named beneficiary the death benefit if it becomes payable while the contract is in force and before the annuitization start date. If there is more than one beneficiary we will pay each beneficiary’s designated share when we receive their completed claim. A beneficiary will bear the investment risk of the variable account until we receive the beneficiary’s completed claim. If there is no named beneficiary, then the default provisions of your contract will apply. (See “Benefits in Case of Death” for more about beneficiaries.)

If you select the SecureSource Stages 2 – Joint Life rider, please consider carefully whether or not you wish to change the beneficiary of your annuity contract. The rider will terminate if the surviving covered spouse can not utilize the spousal continuation provision of the contract when the death benefit is payable.

PURCHASE PAYMENTS

Purchase payment amounts and purchase payment timing may vary by state and be limited under the terms of the contract. If we do not receive your initial purchase payment within 180 days from the application signed date, we will consider your contract void from the start. For contract applications with SecureSource Stages 2 rider signed on or after Feb. 3, 2012, we will consider your contract void from the start if we do not receive your initial purchase payment within 90 days from the application signed date.

22 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS

Minimum initial purchase payments

RAVA 5

Advantage

Select

Access

Qualified annuities

1,000

2,000

Nonqualified annuities

2,000

10,000

Minimum additional purchase payments


$50

Maximum total purchase payments* (without corporate office approval) based on your age on the effective date of the payment:


For the first year and total:
through age 85	$	1,000,000
for ages 86 to 90	$	100,000
age 91 or older	$	0
For each subsequent year:
through age 85	$	100,000
for ages 86 to 90	$	50,000
age 91 or older	$	0


*		These limits apply in total to all RiverSource Life annuities you own unless a higher amount applies to your contract. We reserve the right to waive or increase the maximum limit. For qualified annuities, the Code’s limits on annual contributions also apply. Additional purchase payments for inherited IRA contracts cannot be made unless the payment is IRA money inherited from the same decedent.

Additional purchase payment restrictions for contracts with the Accumulation Protector Benefit rider

Additional purchase payments for contracts with the Accumulation Protector Benefit rider are not allowed during the waiting period except for the first 180 days (1) immediately following the effective date and (2) following the last contract anniversary for each elective step up.

Additional purchase payment restrictions for contracts with the SecureSource Stages 2 rider

The riders prohibit additional purchase payments while the rider is effective, if (1) you decline a rider fee increase, or (2) the Annual Lifetime Payment (ALP) is established and your contract value on an anniversary is less than four times the ALP. (For the purpose of this calculation only, the ALP is determined using percentage B, as described under “Optional Living Benefits — SecureSource Stages 2 Riders.”)

Effective Feb. 27, 2012, no additional purchase payments are allowed for contract applications signed prior to Feb. 27, 2012 with SecureSource Stages 2 riders, subject to certain exceptions listed below.

Certain exceptions apply and the following additional purchase payments will be allowed on or after Feb. 27, 2012:

a. For contracts sold before Feb. 3, 2012, (1) purchase payments received within 90 calendar days from the contract application signed date and (2) Tax Free Exchanges, rollovers, and transfers listed on the annuity application and received within 180 days from the contract application signed date.

b. For contracts sold Feb. 3, 2012 through Feb. 26, 2012, all purchase payments received within 90 calendar days from the contract application signed date.

c. Prior and current tax year contributions up to the annual limit set up by the IRS for any qualified annuities. This annual limit applies to IRAs, Roth IRAs and SEP plans.

We reserve the right to change these current rules any time, subject to state restrictions.

HOW TO MAKE PURCHASE PAYMENTS

1 By letter

Send your check along with your name and contract number to:

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


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 23

2 By scheduled payment plan

We can help you set up a bank authorization.

LIMITATIONS ON USE OF CONTRACTS

Charges

CONTRACT ADMINISTRATIVE CHARGE

We charge this fee for establishing and maintaining your records. Currently, we deduct $30 from your contract value on your contract anniversary or, if earlier, when the contract is fully surrendered. We prorate this charge among the GPAs, the fixed account and the subaccounts in the same proportion your interest in each account bears to your total contract value. We reserve the right to increase this charge after the first contract anniversary to a maximum of $50.

We will waive this charge when your contract value is $50,000 or more on the current contract anniversary. We reserve the right to charge up to $20 after the first contract anniversary for contracts with contract value of $50,000 or more.

If you take a full surrender of your contract, we will deduct the charge at the time of surrender regardless of the contract value. This charge does not apply to amounts applied to an annuity payment plan or to the death benefit (other than when deducted from the Full Surrender Value component of the death benefit).

MORTALITY AND EXPENSE RISK FEE

We charge this fee daily to the subaccounts. The unit values of your subaccounts reflect this fee. These fees cover the mortality and expense risk that we assume. These fees do not apply to the GPAs or the fixed account. We cannot increase these fees.

The mortality and expense risk fee you pay is based on the product you choose, the death benefit guarantee in effect and the surrender charge schedule that applies to your contract.

RAVA 5 Advantage with ten-year surrender charge schedule


	Mortality and
	expense risk fee


Standard Death Benefit		0.85	%

ROPP Death Benefit⁽¹⁾		1.20

MAV Death Benefit		1.10

5-year MAV Death Benefit		0.95

5% Accumulation Death Benefit		1.25

Enhanced Death Benefit		1.30

RAVA 5 Advantage with seven-year surrender charge


	Mortality and
	expense risk fee


Standard Death Benefit		0.95	%

ROPP Death Benefit⁽¹⁾		1.30

MAV Death Benefit		1.20

5-year MAV Death Benefit		1.05

5% Accumulation Death Benefit		1.35

Enhanced Death Benefit		1.40

24 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS

RAVA 5 Select


	Mortality and
	expense risk fee


Standard Death Benefit		1.20	%

ROPP Death Benefit⁽¹⁾		1.55

MAV Death Benefit		1.45

5-year MAV Death Benefit		1.30

5% Accumulation Death Benefit		1.60

Enhanced Death Benefit		1.65

RAVA 5 Access


	Mortality and
	expense risk fee


Standard Death Benefit		1.35	%

ROPP Death Benefit⁽¹⁾		1.70

MAV Death Benefit		1.60

5-year MAV Death Benefit		1.45

5% Accumulation Death Benefit		1.75

Enhanced Death Benefit		1.80


⁽¹⁾		Only available for purchase as an optional rider for ages 80 or older on the rider effective date.

Expense risk arises because we cannot increase the contract administrative charge more than $20 per contract and this charge may not cover our expenses. We would have to make up any deficit from our general assets. We could profit from the expense risk fee if future expenses are less than expected.

The subaccounts pay us the mortality and expense risk fee they accrued as follows:


•	first, to the extent possible, the subaccounts pay this fee from any dividends distributed from the funds in which they invest;

•	then, if necessary, the funds redeem shares to cover any remaining fees payable.

We may use any profits we realize from the subaccounts’ payment to us of the mortality and expense risk fee for any proper corporate purpose, including, among others, payment of distribution (selling) expenses. We do not expect that the surrender charge for RAVA 5 Advantage or RAVA 5 Select, discussed in the following paragraphs, will cover sales and distribution expenses.

SURRENDER CHARGE

If you surrender all or part of your contract before the annuitization start date, we may deduct a surrender charge. For RAVA 5 Advantage, a surrender charge applies if all or part of the surrender amount is from purchase payments we received within seven or ten years before surrender. You select the surrender charge period at the time of your application for the contract. For RAVA 5 Select, a surrender charge applies if you surrender all or part of your contract value in the first four contract years. There is no surrender charge for RAVA 5 Access. The surrender charge percentages that apply to you are shown in your contract.

If you are buying a new contract as an inherited IRA, please consider carefully your surrender charge selection. Surrender charges for an inherited IRA are only waived for life time RMD amounts, not for a 5 year distribution.

You may surrender an amount during any contract year without a surrender charge. We call this amount the total free amount (FA). The FA varies depending on whether your contract includes the SecureSource Stages 2 rider:


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 25

Contract without SecureSource Stages 2 rider

The FA is the greater of:


•	10% of the contract value on the prior contract anniversary, less any prior surrenders taken in the current contract year; or


•	current contract earnings.

During the first contract year, the FA is the greater of:


•	10% of all purchase payments applied prior to your surrender request, less any amounts surrendered prior to your surrender request that represent the FA; or

•	current contract earnings.

Contract with SecureSource Stages 2 rider

The FA is the greatest of:


•	10% of the contract value on the prior contract anniversary less any prior surrenders taken in the current contract year;


•	current contract earnings; or


•	the Remaining Annual Lifetime Payment.

During the first contract year, the FA is the greatest of:


•	10% of all purchase payments applied prior to your surrender request, less any amounts surrendered prior to your surrender request that represent the FA;

•	current contract earnings; or

•	the Remaining Annual Lifetime Payment.

Amounts surrendered in excess of the FA may be subject to a surrender charge as described below.

Surrender charge under RAVA 5 Advantage:

A surrender charge will apply if the amount you surrender includes any of your prior purchase payments that are still within their surrender charge schedule. To determine whether your surrender includes any of your prior purchase payments that are still within their surrender charge schedule, we surrender amounts from your contract in the following order:


1.	First, we surrender the FA. Contract earnings are surrendered first, followed by purchase payments. We do not assess a surrender charge on the FA. We surrender payments that are considered part of the FA on a first-in, first-out (FIFO) basis.

2.	Next, we surrender purchase payments received that are beyond the surrender charge period shown in your contract. We surrender these payments on a FIFO basis. We do not assess a surrender charge on these payments.


3.	Finally, we surrender any additional purchase payments received that are still within the surrender charge period shown in your contract. We surrender these payments on a FIFO basis. We do assess a surrender charge on these payments.

The amount of purchase payments surrendered is calculated using a prorated formula based on the percentage of contract value being surrendered. As a result, the amount of purchase payments surrendered may be greater than the amount of contract value surrendered.

We determine your surrender charge by multiplying each of your payments surrendered which could be subject to a surrender charge by the applicable surrender charge percentage (see “Expense Summary”), and then adding the total surrender charges.

Surrender charge under RAVA 5 Select:

A surrender charge will apply if you surrender some or all of your contract value during the first four contract years. The surrender charge amount is determined by multiplying purchase payments surrendered which could be subject to a surrender charge by the applicable surrender charge percentage.


1.	First we surrender the FA. Contract earnings are surrendered first, followed by purchase payments. We do not assess a surrender charge on the FA.

2.	Next, if necessary, we surrender purchase payments. We do assess a surrender charge on these payments during the first four contract years.

Surrender charge under RAVA 5 Access:

There is no surrender charge if you surrender all or part of your contract.

26 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS

Partial surrenders:

For a partial surrender, we will determine the amount of contract value that needs to be surrendered, which after any surrender charge and any positive or negative market value adjustment, will equal the amount you request.

For an example, see Appendix C.

Waiver of surrender charges

We do not assess surrender charges for:


•	surrenders each year that represent the total free amount for that year;


•	required minimum distributions from a qualified annuity to the extent that they exceed the free amount. The amount on which surrender charges are waived can be no greater than the RMD amount calculated under your specific contract currently in force. Surrender charges for an inherited IRA are only waived for life time RMD amounts, not for a 5 year distribution;


	•	amounts applied to an annuity payment plan (Exception: As described below, if you select annuity payout Plan E, and choose later to surrender the value of your remaining annuity payments, we will assess a surrender charge.)

	•	surrenders made as a result of one of the “Contingent events” described below to the extent permitted by state law (see your contract for additional conditions and restrictions). Waiver of surrender charges for Contingent events will not apply to Tax Free Exchanges, rollovers and transfers to another annuity contract;

	•	amounts we refund to you during the free look period; and

	•	death benefits.

Contingent events


	•	Surrenders you make if you are confined to a hospital or nursing home and have been for the prior 60 days or confinement began within 30 days following a 60 day confinement period. Such confinement must begin after the contract issue date. Your contract will include this provision when you are under age 76 at contract issue. You must provide us with a letter containing proof satisfactory to us of the confinement as of the date you request the surrender. We must receive your surrender request no later than 91 days after your release from the hospital or nursing home. The amount surrendered must be paid directly to you.

	•	Surrenders you make if you are disabled with a medical condition and are diagnosed in the second or later contract years, with reasonable medical certainty, that the disability will result in death within 12 months or less from the date of the diagnosis. You must provide us with a licensed physician’s statement containing the terminal illness diagnosis, the expected date of death and the date the terminal illness was initially diagnosed. The amount surrendered must be paid directly to you.

Surrender charge under Annuity Payout Plan E — Payouts for a specified period: If you are receiving variable annuity payments under this annuity payout plan, you can choose to take a surrender. The amount that you can surrender is the present value of any remaining variable payouts. The discount rate we use in the calculation will be 5.17% if the assumed investment return is 3.5% and 6.67% if the assumed investment return is 5%. The surrender charge equals the present value of the remaining payouts using the assumed investment return minus the present value of the remaining payouts using the discount rate. (See “Charges — Surrender Charge” and “The Annuity Payout Period — Annuity Payout Plans”.)

Possible group reductions: In some cases we may incur lower sales and administrative expenses due to the size of the group, the average contribution and the use of group enrollment procedures. In such cases, we may be able to reduce or eliminate certain charges such as the contract administrative and surrender charges. However, we expect this to occur infrequently.

OPTIONAL LIVING BENEFIT CHARGES

SECURESOURCE STAGES 2 RIDER CHARGE

We deduct an annual charge for this optional feature only if you select it. The current annual rider fees are as follows:


•	SecureSource Stages 2 – Single Life rider, 1.50%⁽¹⁾

•	SecureSource Stages 2 – Joint Life rider, 1.75⁽¹⁾


⁽¹⁾		For contract applications signed prior to Nov. 14, 2011, SecureSource Stages 2 – Single life rider current fee is 0.95% and SecureSource Stages 2 – Joint life rider current fee is 1.15% and for contract applications signed Nov. 14, 2011 through Feb. 26, 2012, SecureSource Stages 2 – Single life rider current fee is 1.10% and SecureSource Stages 2 – Joint life rider current fee is 1.35%.


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 27

The charge is based on the greater of the benefit base (BB) or the anniversary contract value, but not more than the maximum BB of $10,000,000.

We deduct the charge from your contract value on your contract anniversary. We prorate this charge among all accounts and subaccounts in the same proportion as your interest in each bears to your total contract value. We will modify this prorated approach to comply with state regulations where necessary.

Once you elect the SecureSource Stages 2 rider, you may not cancel it (except as described below), and the charge will continue to be deducted until the contract or rider is terminated or until the contract value reduces to zero. If the contract or rider is terminated for any reason, we will deduct the charge, adjusted for the number of calendar days coverage was in place since we last deducted the charge.

Currently the SecureSource Stages 2 rider fee does not vary with the PN program investment option selected; however, we reserve the right to vary the rider fee for each investment option. The SecureSource Stages 2 – Single Life rider fee will not exceed a maximum of 1.75%. The SecureSource Stages 2 – Joint Life rider fee will not exceed a maximum of 2.25%.

The following describes how your annual rider fee may increase:


1.	We may increase the annual rider fee at our discretion and on a nondiscriminatory basis. Your annual rider fee will increase if we declare an increase to the fee with written notice 30 days in advance except as described below. The new fee will be in effect on the date we declare in the written notice.


	(A)	You can decline this increase and therefore all future fee increases if we receive your written request prior to the date of the fee increase, in which case you permanently relinquish:


	(i)	all future annual step-ups, and for the Joint Life rider, spousal continuation step-ups,

	(ii)	any ability to make additional purchase payments,

	(iii)	any future rider credits, and the credit base (CB) will be permanently reset to zero,


	(iv)	any increase to the lifetime payment percentage due to changing age bands on subsequent birthdays and rider anniversaries, and

	(v)	the ability to change your investment option to one that is more aggressive than your current investment option. Any change to a less aggressive investment option will further limit the investment options available to the then current and less aggressive investment options.


	(B)	You can terminate this rider if your annual rider fee after any increase is more than 0.25 percentage points higher that your fee before the increase and if we receive your written request to terminate the rider prior to the date of the fee increase.

Your annual rider fee may increase if you elect to change to a more aggressive investment option than your current investment option and if the new investment option has a higher current annual rider fee. The annual rider fees associated with the available investment option may change at our discretion, however these changes will not apply to this rider unless you change your current investment option to a more aggressive one. The new fee will be in effect on the valuation date we receive your written request to change your investment option. You cannot decline this type of fee increase. To avoid it, you must stay in the same investment option or move to a less aggressive one. Also, this type of fee increase does not allow you to terminate the rider.

If your rider fee increases, on the next contract anniversary, we will calculate an average rider fee, for the preceding contract year only, that reflects the various different fees that were in effect that year, adjusted for the number of calendar days each fee was in effect.

The fee does not apply after the annuitization start date.

ACCUMULATION PROTECTOR BENEFIT RIDER CHARGE

We deduct an annual charge from your contract value on your contract anniversary for this optional feature only if you select it.⁽¹⁾ The charge is calculated by multiplying the annual rider fee by the greater of your contract value or the minimum contract accumulation value on your contract anniversary. See table below for the applicable percentage.

We prorate this charge among all accounts and subaccounts in the same proportion as your interest in each bears to your total contract value. Once you elect the Accumulation Protector Benefit rider, you may not cancel it and the charge will continue to be deducted through the end of the waiting period. If the contract or rider is terminated for any reason, we will deduct the charge, adjusted for the number of calendar days coverage was in place since we last deducted the charge.

We may change the rider fee at our discretion and on a nondiscriminatory basis. The maximum annual rider fee is 1.75%.

28 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS

The Accumulation Protector Benefit rider fee in effect on your contract after the rider effective date will not change unless you choose the annual elective step up or elective spousal continuation step up after we exercised our rights to increase the rider fee; or you change your investment option after we exercised our rights to increase the rider fee or to vary the rider fee for each investment option.


				Current annual rider fee for			Current annual rider fee for
				elective step ups on/after			elective step ups on/after
	Initial annual rider fee and			10/20/12 if invested in a			11/18/13 if invested in a
	current annual rider fee for			Portfolio Navigator fund at			Portfolio Stabilizer fund
For applications signed:	elective step ups before 10/20/12			the time of the step up			at the time of the step up


prior to 10/04/2010		1.25	%		1.75	%		1.30	%

10/04/2010-11/13/2011		1.50	%		1.75	%		1.30	%

11/14/2011 and later		1.75	%		1.75	%		1.30	%

Subject to the terms of your contract, we reserve the right to further increase the rider fees to the maximum limit provided by your rider and to vary the rider fees based on the fund you select.

The automatic step up option available under your rider will not impact your rider fee.

Please see the “Optional Living Benefits — Accumulation Protector Benefit Rider” section for a full description and rules applicable to elective and automatic step up options under your rider.

The charge does not apply after the annuitization start date.


⁽¹⁾		Accumulation Protector Benefit rider was not available for contract applications signed on or after Feb. 27, 2012.

OPTIONAL DEATH BENEFIT CHARGES

BENEFIT PROTECTOR RIDER CHARGE

We deduct a charge for this optional feature only if you select it. The annual rider fee is 0.25%. The charge is calculated by multiplying the annual rider fee by your contract value on your contract anniversary. We prorate this charge among all accounts and subaccounts in the same proportion your interest in each account bears to your total contract value. We will modify this prorated approach to comply with state regulations when necessary.

If the contract or rider is terminated for any reason except your election to terminate the rider during the 30 day window after certain anniversaries, we will deduct the charge from the contract value adjusted for the number of calendar days coverage was in place during the contract year.

We cannot increase this annual fee after the rider effective date.

BENEFIT PROTECTOR PLUS RIDER CHARGE

We deduct a charge for this optional feature only if you select it. If selected, we deduct an annual rider fee of 0.40%. The charge is calculated by multiplying the annual rider fee by your contract value on your contract anniversary. We prorate this charge among all accounts and subaccounts in the same proportion your interest in each account bears to your total contract value We will modify this prorated approach to comply with state regulations when necessary. If the contract or rider is terminated for any reason except your election to terminate the rider during the 30 day window after certain anniversaries, we will deduct the charge from the contract value adjusted for the number of calendar days coverage was in place during the contract year.

We cannot increase this annual fee after the rider effective date.

FUND FEES AND EXPENSES

There are deductions from and expenses paid out of the assets of the funds that are described in the prospectuses for those funds. (See “Annual Operating Expenses of the Funds.”)


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 29

PREMIUM TAXES

Valuing Your Investment

We value your accounts as follows:

GPA

We value the amounts you allocate to the GPA directly in dollars. The GPA value equals:


•	the sum of your purchase payments and transfer amounts allocated to the GPA;

•	plus interest credited;

•	minus the sum of amounts surrendered (including any applicable surrender charges) and amounts transferred out;

•	minus any prorated portion of the contract administrative charge; and

•	minus the prorated portion of the charge for any of the following optional benefits you have selected:


	–	Benefit Protector Death Benefit;

	–	Benefit Protector Plus Death Benefit;

	–	Accumulation Protector Benefit rider; or

	–	SecureSource Stages 2 rider.

THE FIXED ACCOUNT

We value the amounts you allocate to the fixed account directly in dollars. The value of the fixed account equals:


•	the sum of your purchase payments allocated to the regular fixed account and the Special DCA fixed account, and transfer amounts to the regular fixed account (including any positive or negative MVA on amounts transferred from the GPAs);

•	plus interest credited;

•	minus the sum of amounts surrendered (including any applicable surrender charges) and amounts transferred out;

•	minus any prorated portion of the contract administrative charge; and

•	minus any prorated portion of the charge for any of the following optional benefits you have selected:


	–	Benefit Protector Death Benefit;

	–	Benefit Protector Plus Death Benefit;

	–	Accumulation Protector Benefit rider; or

	–	SecureSource Stages 2 rider.

SUBACCOUNTS

We convert amounts you allocated to the subaccounts into accumulation units. Each time you make a purchase payment or transfer amounts into one of the subaccounts, we credit a certain number of accumulation units to your contract for that subaccount. Conversely, we subtract a certain number of accumulation units from your contract each time you take a partial surrender, transfer amounts out of a subaccount, or we assess a contract administrative charge, a surrender charge or fee for any optional riders with annual charges (if applicable).

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 accrued income or capital gain dividends to obtain a current adjusted net asset value per share; then

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

30 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


•	subtracting the percentage factor representing the mortality and expense risk fee from the result.

Because the net asset value of the fund may fluctuate, the accumulation unit value may increase or decrease. You bear all the investment risk in a subaccount.

Factors that affect subaccount accumulation units: accumulation units may change in two ways — in number and in value.

The number of accumulation units you own may fluctuate due to:


•	additional purchase payments you allocate to the subaccounts;

•	transfers into or out of the subaccounts (including any positive or negative MVA on amounts transferred from the GPAs);

•	partial surrenders;

•	surrender charges;

and a deduction of a prorated portion of:


•	the contract administrative charge; and

•	the charge for any of the following optional benefits you have selected.:


	–	Benefit Protector Death Benefit;

	–	Benefit Protector Plus Death Benefit;

	–	Accumulation Protector Benefit rider; or

	–	SecureSource Stages 2 rider.

Accumulation unit values will fluctuate due to:


•	changes in fund net asset value;

•	fund dividends distributed to the subaccounts;

•	fund capital gains or losses;

•	fund operating expenses; and/or

•	mortality and expense risk fees.

Making the Most of Your Contract

AUTOMATED DOLLAR-COST AVERAGING

Currently, you can use automated transfers to take advantage of dollar-cost averaging (investing a fixed amount at regular intervals).

For example, you might transfer a set amount monthly from a relatively conservative subaccount to a more aggressive one, or to several others, or from the regular fixed account to one or more subaccounts. You may not set up automated transfers to or from the GPAs or set up an automated transfer to the regular fixed account. You can also obtain the benefits of dollar-cost averaging by setting up regular automatic payments under a scheduled payment plan.

There is no charge for dollar-cost averaging.

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


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 31

How dollar-cost averaging works


								Number
By investing an equal number				Amount		Accumulation		of units
of dollars each month ...		Month		invested		unit value		purchased


			Jan	$	100	$	20		5.00

			Feb		100		18		5.56

you automatically buy			Mar		100		17		5.88

more units when the	(ARROW)		Apr		100		15		6.67
per unit market price is low			May		100		16		6.25

			June		100		18		5.56

			July		100		17		5.88

and fewer units			Aug		100		19		5.26

when the per unit	(ARROW)		Sept		100		21		4.76

market price is high			Oct		100		20		5.00

You paid an average price of $17.91 per unit over the 10 months, while the average market price actually was $18.10.

Dollar-cost averaging as described in this section is not available when the PN program is in effect. However, subject to certain restrictions, dollar-cost averaging is available through the Special DCA fixed account. See the “Special DCA Fixed Account” and “Portfolio Navigator Program and “Portfolio Stabilizer funds” sections in this prospectus for details.

ASSET REBALANCING

You can ask us in writing to automatically rebalance the subaccount portion of your contract value either quarterly, semiannually, or annually. The period you select will start to run on the date we record your request. On the first valuation date of each of these periods, we automatically will rebalance your contract value so that the value in each subaccount matches your current subaccount percentage allocations. These percentage allocations must be in whole numbers. There is no charge for asset rebalancing. The contract value must be at least $2,000.

You can change your percentage allocations or your rebalancing period at any time by contacting us in writing. We will restart the rebalancing period you selected as of the date we record your change. You also can ask us in writing to stop rebalancing your contract value. You must allow 30 days for us to change any instructions that currently are in place. For more information on asset rebalancing, contact your financial advisor.

Different rules apply to asset rebalancing under the Portfolio Navigator program (see “Portfolio Navigator Program and “Portfolio Stabilizer funds” below).

PORTFOLIO NAVIGATOR PROGRAM (PN Program) AND PORTFOLIO STABILIZER FUNDS

Under the PN program for living benefit riders your contract value is currently allocated to one of five investment options, each of which is a fund of funds which invests in underlying funds in proportions that vary among the funds of funds in light of each fund of funds’ investment objective (“Portfolio Navigator funds”). The PN program is available for nonqualified annuities and for qualified annuities.

You are required to participate in the PN program if your contract includes an optional living benefit rider. Prior to November 18, 2013, the program contained Portfolio Navigator funds. If your contract does not include one of the optional living benefit riders, you may not participate in the PN Program; but you may choose to allocate your contract value to one or more of the Portfolio Navigator funds without participating in the PN program. You should review any PN program information, including the prospectus for the Portfolio Navigator funds, carefully. Your financial advisor can provide you with additional information and can answer questions you may have on the PN program.

32 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS

Prior to June 30, 2014, the Portfolio Stabilizer funds have only been available to contracts where a living benefit rider has been elected. Effective on June 30, 2014, the Portfolio Stabilizer funds will be available to all contract owners, regardless of whether a living benefit rider has been elected. Please see “Investing in the Portfolio Stabilizer Funds and the Portfolio Navigator funds” section below for more details about investing in the Portfolio Navigator and Portfolio Stabilizer funds.

For contracts with a living benefit rider, please note that if you are currently invested in a Portfolio Navigator fund and choose to reallocate your contract value to a Portfolio Stabilizer fund, you will no longer have access to any of the Portfolio Navigator funds, but you may change to any one of the other Portfolio Stabilizer funds, subject to the transfer limits applicable to your rider. This restriction will not apply to you if your contract does not have a living benefit rider.

The Portfolio Stabilizer funds. Beginning November 18, 2013, if you have selected SecureSource Stages 2 rider or Accumulation Protector Benefit rider, the following Portfolio Stabilizer funds will be available to you:

1. Columbia Variable Portfolio – Managed Volatility Conservative Fund (Class 2)

2. Columbia Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2)

3. Columbia Variable Portfolio – Managed Volatility Moderate Growth Fund (Class 2)

4. Columbia Variable Portfolio – Managed Volatility Growth Fund (Class 2)


•	derivative transactions (such as credit default swap indexes, futures, swaps, forward rate agreements and options);


•	direct investments in exchange-traded funds (ETFs); and


•	direct investments in fixed-income or debt securities (such as investment grade corporate bonds, high yield (i.e., junk) instruments, sovereign debt, U.S. Government bonds and notes, Treasury inflation-protected securities (TIPS), mortgage- and asset-backed securities and international bonds, each with varying interest rates, terms, durations and credit exposures and dollar rolls).

For additional information about the Portfolio Stabilizer funds’ investment strategies, see the Funds’ prospectuses.


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 33

Portfolio Navigator funds to achieve their investment objectives, including investing in any underlying fund, adding new underlying funds, and altering target allocations as necessary. Some of the underlying funds are managed on a day-to-day basis directly by Columbia Management and some are managed by one or more affiliated or unaffiliated sub-advisers, subject to the oversight of Columbia Management and the Funds’ boards of trustees.

Below are the target asset allocation ranges (between the relevant asset classes) for each of the Portfolio Navigator funds:

1. Variable Portfolio – Aggressive Portfolio: 70-85% Equity / 10-25% Fixed Income / 0-5% Cash/Cash Equivalents / 0-10% Alternative Strategies

2. Variable Portfolio – Moderately Aggressive Portfolio: 55-70% Equity / 25-40% Fixed Income / 0-5% Cash/Cash Equivalents / 0-10% Alternative Strategies

3. Variable Portfolio – Moderate Portfolio: 40-55% Equity / 40-55% Fixed Income / 0-5% Cash/Cash Equivalents / 0-10% Alternative Strategies

4. Variable Portfolio – Moderately Conservative Portfolio: 25-40% Equity / 50-65% Fixed Income / 0-10% Cash/Cash Equivalents / 0-10% Alternative Strategies

5. Variable Portfolio – Conservative Portfolio: 10-25% Equity / 60-75% Fixed Income / 5-15% Cash/Cash Equivalents / 0-10% Alternative Strategies

For additional information about the Portfolio Navigator funds’ investment strategies, see the Funds’ prospectus.

Investing in the Portfolio Stabilizer funds and the Portfolio Navigator funds. You are responsible for determining which investment option is best for you. Currently, there are five Portfolio Navigator funds with risk profiles ranging from conservative to aggressive in relation to one another. There are four Portfolio Stabilizer funds currently available. You may not use more than one Portfolio Stabilizer or Portfolio Navigator fund at a time, if your contract has a living benefit rider. If your contract does not have a living benefit rider, you may invest in more than one Portfolio Navigator fund and effective June 30, 2014 in more than one Portfolio Stabilizer fund. Your financial advisor can help you determine which investment option most closely matches your investing style, based on factors such as your investment goals, your tolerance for risk and how long you intend to invest. There is no guarantee that the investment option you select is appropriate for you based on your investment objectives and/or risk profile. We and Columbia Management are not responsible for your decision to select a certain investment option or your decision to transfer to a different investment option.

If you initially allocate qualifying purchase payments to the Special DCA fixed account, when available (see “The Special DCA Fixed Account”), and you are invested in one of the Portfolio Stabilizer or Portfolio Navigator funds, we will make monthly transfers in accordance with your instructions from the Special DCA fixed account, into the investment option or model portfolio you have chosen.

Before you decide to transfer contract value to one of the Portfolio Stabilizer funds, you and your financial advisor should carefully consider the following:


•	Whether the Portfolio Stabilizer fund meets your personal investment objectives and/or risk tolerance.

•

Whether the total expenses associated with an investment in a Portfolio Stabilizer fund is appropriate for you. For total expenses associated with the rider, you should consider not only the variation of the rider fee, but also the variation in fees among the various funds. You should also consider your overall investment objective, as well as how total fees and your selected fund’s investment objective may impact the amount of any step up opportunities in the future.

You may request a change to your fund selection up to two times per contract year by written request on an authorized form or by another method agreed to by us. However, an initial transfer from a Portfolio Navigator fund to a Portfolio Stabilizer fund will not count toward the limit of two transfers per year. If your contract includes an optional living benefit rider, we reserve the right to limit the number of changes if required to comply with the written instructions of a fund (see “Market Timing”).

34 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


•	limit your choice of investment options based on the amount of your initial purchase payment;


•	cancel required participation in the program after 30 days written notice;


•	substitute a fund of funds for your model portfolio, if applicable, if permitted under applicable securities law; and


•	discontinue the PN program after 30 days written notice.

Risks and conflicts of interests associated with the Portfolio Navigator funds and Portfolio Stabilizer funds. An investment in a Fund involves risk. Principal risks associated with an investment in a Portfolio Navigator fund or Portfolio Stabilizer fund may be found in the relevant Fund’s prospectus. There is no assurance that the Funds will achieve their respective investment objectives. In addition, there is no guarantee that the Fund’s strategy will have its intended effect or that it will work as effectively as is intended.

Investing in a Portfolio Navigator fund or Portfolio Stabilizer fund does not guarantee that your contract will increase in value nor will it protect in a decline in value if market prices fall. Depending on future market conditions and considering only the potential return on your investment in the Fund, you might benefit (or benefit more) from selecting alternative investment options.

For a complete list of the risks associated with investing in the Portfolio Stabilizer funds and the Portfolio Navigator funds, please consult the applicable Fund’s prospectus.

Conflicts of interest. In providing investment advisory services for the Portfolio Stabilizer funds, the Portfolio Navigator 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. For additional information regarding the conflicts of interest to which Columbia Management may be subject, see the Funds’ prospectuses.

We are an affiliate of Ameriprise Financial, Inc. which is the parent company of Columbia Management, the Funds’ investment manager. We have financial obligations to holders of the riders arising from guarantee obligations under such riders, which vary based upon the investment performance of the Fund.


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 35

hedge investments used to meet our obligations under the riders. In addition, we expect to reduce our capital requirements, which represent assets we set aside to back the guarantees offered in our contracts. As described above, we have a financial interest in reducing our potential exposure with respect to contract values invested under the riders. This may present a potential conflict of interest with respect to the interests of rider holders (who are required to allocate their contract value to a Portfolio Stabilizer fund). In particular, our interest in reducing volatility within the Portfolio Stabilizer fund’s portfolio may present a potential conflict between it and Columbia Management as the latter seeks to achieve the Fund’s investment objective of total return while seeking to manage the Fund’s exposure to equity market volatility.

In addition, we or our affiliates receive from each of the underlying funds, or their affiliates, compensation including but not limited to expense payments and non-cash compensation as a result of our decision to make such funds available as investment options in which your contract value may be invested. See “The Variable Account and the Funds – Revenue we receive from the funds and potential conflicts of interest”.

Living benefit riders requiring participation in the PN Program or investing in the Portfolio Stabilizer funds:

•

Accumulation Protector Benefit rider: You cannot terminate the Accumulation Protector Benefit rider. As long as the Accumulation Protector Benefit rider is in effect, your contract value must be invested in one of the PN program investment options or in one of the Portfolio Stabilizer funds. You cannot select the PN program aggressive investment option as your investment option, or transfer to the aggressive investment option while the rider is in effect. The Accumulation Protector Benefit rider automatically ends at the end of the waiting period, and you then have the option to cancel your participation in the PN program. At all other times, if you do not want to invest in any of the PN program investment options or in one of the Portfolio Stabilizer funds, you must terminate your contract by requesting a full surrender. Surrender charges and tax penalties may apply.

•

SecureSource Stages 2 rider: SecureSource Stages 2 rider requires that your contract value be invested in one of the PN program investment options or in one of the Portfolio Stabilizer funds for the life of the contract. Subject to state restrictions, we reserve the right to limit the number of investment options from which you can select based on the dollar amount of purchase payments you make. There is no minimum number of investment options that must be offered in connection with the SecureSource Stages 2 rider. Because you cannot terminate the SecureSource Stages 2 rider once you have selected it, you must terminate your contract by requesting a full surrender if you do not want to invest in any of the PN program investment options or any of the Portfolio Stabilizer funds. Surrender charges and tax penalties may apply.

TRANSFERRING AMONG ACCOUNTS

The transfer rights discussed in this section do not apply if you have selected one of the optional living benefit riders.

You may transfer contract value from any one subaccount, GPAs, the regular fixed account and the Special DCA fixed account, to another subaccount before the annuitization start date. For RAVA 5 Advantage and RAVA 5 Select contracts, certain restrictions apply to transfers involving the GPAs and the regular fixed account. For RAVA 5 Access contracts, you cannot transfer to the regular fixed account unless it is included in PN program investment option that you selected. Under the current PN program, the regular fixed account is not included in the investment options. You may not transfer contract value to the Special DCA fixed account. You may not transfer contract value from the Special DCA fixed account except as part of automated monthly transfers.

The date your request to transfer will be processed depends on when we receive it:


•	If we receive your transfer request at our corporate office 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 corporate office 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.

We may suspend or modify transfer privileges at any time, subject to state regulatory requirements.

For information on transfers after annuity payouts begin, see “Transfer policies” below.

Transfer policies

For RAVA 5 Advantage and RAVA 5 Select


•	Before the annuitization start date, you may transfer contract values between the subaccounts, or from the subaccounts to the GPAs and the regular fixed account at any time. However, if you made a transfer from the regular fixed account to the subaccounts or the GPAs, took a partial surrender from the fixed account or terminated automated transfers from the Special

36 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


	DCA fixed account, you may not make a transfer from any subaccount or GPA to the regular fixed account for six months following that transfer, partial surrender or termination.


•	You may transfer contract values from the regular fixed account to the subaccounts or the GPAs once a year on or within 30 days before or after the contract anniversary (except for automated transfers, which can be set up at any time for certain transfer periods subject to certain minimums). Transfers from the regular fixed account are not subject to an MVA. Currently, you may transfer the entire contract value to the regular fixed account. Subject to state restrictions, we reserve the right to limit transfers to the regular fixed account at any time on a non-discriminatory basis with notification. Transfers out of the regular fixed account, including automated transfers, are limited to 30% of regular fixed account value at the beginning of the contract year⁽¹⁾ or $10,000, whichever is greater. Because of this limitation, it may take you several years to transfer all your contract value form the regular fixed account. You should carefully consider whether the regular fixed account meets your investment criteria before you invest. Subject to state restrictions, we reserve the right to change the percentage allowed to be transferred from the regular fixed account at any time on a non-discriminatory basis with notification.

•	You may transfer contract values from a GPA any time after 60 days of transfer or payment allocation to the account. Transfers made more than 30 days before the end of the guarantee period will receive an MVA, which may result in a gain or loss of contract value, unless an exception applies (see “The Guarantee Period Accounts (GPAs) — Market Value Adjustment (MVA)”).

•	You may not transfer contract values from the subaccounts, the GPAs or the regular fixed account into the Special DCA fixed account. However, you may transfer contract values as automated monthly transfers from the Special DCA fixed account to the subaccounts or the PN program investment option in effect. (See “Special DCA Fixed Account.”)

•	After the annuitization start date, you may not make transfers to or from the GPAs or the fixed account, but you may make transfers once per contract year among the subaccounts. During the annuity payout period, we reserve the right to limit the number of subaccounts in which you may invest. On the annuitization start date, you must transfer all contract value out of your GPAs and Special DCA fixed account.


⁽¹⁾		All purchase payments received into the regular fixed account prior to your transfer request are considered your beginning of contract year value during the first contract year.

For RAVA 5 Access


•	Before the annuitization start date, you may transfer contract values between the subaccounts, or from the subaccounts to the GPAs at any time.

•	You may not make a transfer to the regular fixed account unless it is part of a PN program investment option in which you elect to participate. Under the current PN program, the regular fixed account is not included in the investment options.

•	You may transfer contract values from a GPA any time after 60 days of transfer or payment allocation to the account. Transfers made more than 30 days before the end of the guarantee period will receive an MVA, which may result in a gain or loss of contract value, unless an exception applies (see “The Guarantee Period Accounts (GPAs) — Market Value Adjustment (MVA)”).

•	You may not transfer contract values from the subaccounts or the GPAs into the Special DCA fixed account. However, you may transfer contract values as automated monthly transfers from the Special DCA fixed account to the subaccounts or the PN program investment option in effect. (See “Special DCA Fixed Account.”) After the annuitization start date, you may not make transfers to or from the GPAs, but you may make transfers once per contract year among the subaccounts. During the annuity payout period, we reserve the right to limit the number of subaccounts in which you may invest. On the annuitization start date, you must transfer all contract value out of your GPAs and Special DCA fixed account.

Market Timing

Market timing can reduce the value of your investment in the contract. If market timing causes the returns of an underlying fund to suffer, contract 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 contract and your beneficiary(ies) under the contract a financial loss.


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 37

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.

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 and 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 contract 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.


•	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.

38 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


•	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 contract, 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 disregard transfers permitted under any asset allocation, dollar-cost averaging and asset rebalancing programs 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 accounts 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.

•	Each underlying fund is responsible for its own market timing policies, 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 contract 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.

HOW TO REQUEST A TRANSFER OR SURRENDER

1 By letter

Send your name, contract number, Social Security Number or Taxpayer Identification Number* and signed request for a transfer or surrender to:

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

Minimum amount

Transfers or surrenders: $250 or entire account balance**

Maximum amount

Transfers or surrenders: Contract value or entire account balance


*		Failure to provide your Social Security Number or Taxpayer Identification Number may result in mandatory tax withholding on the taxable portion of the distribution.
**		The contract value after a partial surrender must be at least $500.

2 By automated transfers and automated partial surrenders

Your financial advisor can help you set up automated transfers among your subaccounts, GPAs or regular fixed account (if available) or automated partial surrenders from the GPAs, regular fixed account, Special DCA fixed account or the subaccounts.

You can start or stop this service by written request or other method acceptable to us. You must allow 30 days for us to change any instructions that are currently in place.


•	Automated transfers from the regular fixed account are limited to 30% of the regular fixed account value at the beginning of the contract year or $10,000, whichever is greater.

•	Automated surrenders may be restricted by applicable law under some contracts.

•	You may not make additional purchase payments if automated partial surrenders are in effect.

•	If the PN program is in effect, you are not allowed to set up automated transfers except in connection with a Special DCA fixed account (see “Special DCA Fixed Account” and “Making the Most of Your Contract — Portfolio Navigator Program”).

•	Automated partial surrenders may result in income taxes and penalties on all or part of the amount surrendered.

•	The balance in any account from which you make an automated transfer or automated partial surrender must be sufficient to satisfy your instructions. If not, we will suspend your entire automated arrangement until the balance is adequate.

•	If you have a SecureSource Stages 2 rider, you may set up automated partial surrenders up to the lifetime benefit amount available for withdrawal under the rider.


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 39

Minimum amount

Transfers or surrenders: $50

Maximum amount

Transfers or surrenders: None (except for automated transfers from the regular fixed account)

3 By telephone

Call:

1-800-862-7919

Minimum amount

Transfers or surrenders: $250 or entire account balance

Maximum amount

Transfers: Contract value or entire account balance

Surrenders: $100,000

We answer telephone requests promptly, but you may experience delays when the 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 or surrender requests that we believe are authentic and we will use reasonable procedures to confirm that they are. This includes asking identifying questions and recording calls. We will not allow telephone surrender within 30 days of a phoned-in address change. As long as we follow the procedures, we (and our affiliates) will not be liable for any loss resulting from fraudulent requests.

Telephone transfers or surrenders are automatically available. You may request that telephone transfers or surrenders not be authorized from your account by writing to us.

Surrenders

You may surrender all or part of your contract at any time before the annuitization start date by sending us a written request or calling us. We will process your surrender request on the valuation date we receive it. If we receive your surrender request in good order at our corporate office 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 corporate office 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. We may ask you to return the contract. You may have to pay a contract administrative charge, surrender charges, or any applicable optional rider charges (see “Charges”) and federal income taxes and penalties. State and local income taxes may also apply (see “Taxes”). You cannot make surrenders after the annuitization start date except under Plan E (see “The Annuity Payout Period — Annuity Payout Plans”).

Any partial surrenders you take under the contract will reduce your contract value. As a result, the value of your death benefit or any optional benefits you have elected also will be reduced. If you have elected the SecureSource Stages 2 rider and your partial surrenders in any contract year exceed the permitted surrender amount under the terms of the rider, your benefits under the rider will be reduced (see “Optional Benefits”). The first partial surrender request during the 1-year waiting period and any partial surrender request that exceeds the amount allowed under the rider(s) and impacts the guarantees provided, will not be considered in good order until we receive a signed Benefit Impact Acknowledgement form showing the projected effect of the surrender on the rider benefits or a verbal acknowledgement that you understand and accept the impacts that have been explained to you.

In addition, surrenders you are required to take to satisfy the RMDs under the Code may reduce the value of certain death benefits and optional benefits (see “Taxes — Qualified Annuities — Required Minimum Distributions”).

SURRENDER POLICIES

If you have a balance in more than one account and you request a partial surrender, we will automatically surrender money from all your subaccounts , GPAs, the Special DCA fixed account and/or the regular fixed account, in the same proportion as your value in each account correlates to your total contract value, unless requested otherwise⁽¹⁾. The minimum contract value after partial surrender is $500.


⁽¹⁾		If you elected the SecureSource Stages 2 or Accumulation Protector Benefit rider, you do not have the option to request from which account to surrender.

40 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS

RECEIVING PAYMENT

1 By regular or express mail


•	payable to you;

•	mailed to address of record.

NOTE: We will charge you a fee if you request express mail delivery.

2 By wire or other form of electronic payment


•	request that payment be wired to your bank;


•	pre-authorization required.

Normally, we will send the payment within seven days after receiving your request in good order. However, we may postpone the payment if:

– the surrender amount includes a purchase payment check that has not cleared;

– the NYSE is closed, except for normal holiday and weekend closings;

– trading on the NYSE is restricted, according to SEC rules;

– an emergency, as defined by SEC rules, makes it impractical to sell securities or value the net assets of the accounts; or

– the SEC permits us to delay payment for the protection of security holders.

Changing the Annuitant

If you have a nonqualified annuity and are a natural person (excluding a revocable trust), you may change the annuitant or contingent annuitant if the request is made prior to the annuitization start date and while the existing annuitant or contingent annuitant is living. The change will become binding on us when we receive it. If you and the annuitant are not the same person and the annuitant dies before the annuitization start date, the owner becomes the annuitant unless a contingent annuitant has been previously selected. You may not change the annuitant if you have a qualified annuity or there is non-natural or revocable trust ownership.

Changing Ownership

You may change ownership of your nonqualified annuity at any time by completing a change of ownership form we approve and sending it to our corporate office. We will honor any change of ownership request received in good order that we believe is authentic, and we will use reasonable procedures to confirm authenticity. If we follow these procedures, we will not take any responsibility for the validity of the change.

If you have a nonqualified annuity, you may incur income tax liability by transferring, assigning or pledging any part of it. (See “Taxes.”)

Please consider carefully whether or not you wish to change ownership of your annuity contract. If you elected any optional contract features or riders and any owner was not an owner before the change, all owners (including any prior owner who is still an owner after the ownership change) will be subject to all limitations and/or restrictions of those features or riders just as if they were purchasing a new contract.

The death benefit may change due to a change of ownership.


•	The Benefit Protector Plus rider will terminate upon transfer of ownership of the annuity contract.

•	If you have the Benefit Protector rider, if any owner is older than age 75 immediately following the ownership change, the rider will terminate upon change of ownership. If all owners are younger than age 76, the rider continues unless the owner


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 41


	chooses to terminate it during the 30-day window following the effective date of the ownership change. The Benefit Protector death benefit values may be reset (see “Optional Death Benefits — Benefit Protector Death Benefit Rider”).


•	If you elected the ROPP Death Benefit and if any owner is older than age 79 immediately following the ownership change, the ROPP Death Benefit will continue. If all owners are age 79 or younger, the ROPP Death Benefit will terminate and the Standard Death Benefit will apply.

•	If you elected the 5-Year MAV Death Benefit and if any owner is older than age 75 immediately following the ownership change, this rider will terminate and the Standard Death Benefit will apply. If all owners are age 75 or younger, the 5-Year MAV Death Benefit will continue.

•	If you elected the MAV Death Benefit, the 5% Accumulation Death Benefit or the EDB and if any owner is older than age 79 immediately following the ownership change, these riders will terminate and the Standard Death Benefit will apply. If all owners are age 79 or younger, the MAV Death Benefit, 5% Accumulation Death Benefit or EDB will continue.

•	The ROPP Death Benefit, MAV Death Benefit, 5-Year MAV Death Benefit, 5% Accumulation Death Benefit and EDB values may be reset (see “Benefits in the Case of Death”).

•	If the death benefit that applies to your contract changes due to an ownership change, the mortality and expense risk fee may change as well (see “Charges — Mortality and Expense Risk Fee”).

For the SecureSource Stages 2 – Single Life rider, an ownership change that would result in a different covered person will terminate the rider, subject to state restrictions.

The SecureSource Stages 2 – Joint Life rider, if selected, only allows transfer of the ownership of the annuity contract between covered spouses or their revocable trust(s). If ownership is transferred from a covered spouse to their revocable trust(s), the annuitant must be one of the covered spouses. No other ownership changes are allowed while this rider is in force, subject to state restrictions.

The Accumulation Protector Benefit rider will continue upon change of ownership. (See “Optional Benefits.”)

IF YOU DIE BEFORE THE ANNUITIZATION START DATE

When paying the beneficiary, we will process the death claim on the valuation date our death claim requirements are fulfilled. We will determine the contract’s value using the accumulation unit value we calculate on that valuation date. We pay interest, if any, at a rate no less than required by law. We will mail payment to the beneficiary within seven days after our death claim requirements are fulfilled.

Nonqualified annuities

If your spouse is sole beneficiary and you die before the annuitization start date, your spouse may keep the contract as owner with the contract value equal to the death benefit that would otherwise have been paid (without regard to the Full Surrender Value). To do this your spouse must, on the date our death claim requirements are fulfilled, give us written instructions to continue the contract as owner.

For RAVA5 Advantage, there will be no surrender charges on the contract from that point forward unless additional purchase payments are made. For RAVA 5 Select, there will be no surrender charges on the contract from that point forward. If you elected any optional contract features or riders, your spouse will be subject to all limitations and/or restrictions of those features or riders just as if they were purchasing a new contract and the values may be reset (see “Optional Living Benefits”, Optional Death Benefits” and “Benefits in the Case of Death — Standard Death Benefit”). If the death benefit applicable to the contract changes due to spousal continuation, the mortality and expense risk fee may change as well (see “Charges — Mortality and Expense Risk Fee”).

If your beneficiary is not your spouse, or your spouse does not elect spousal continuation, we will pay the beneficiary in a single sum unless you give us other written instructions. Generally, we must fully distribute the death benefit within five years of your death. However, the beneficiary may receive payouts under any annuity payout plan available under this contract if:


•	the beneficiary asks us in writing within 60 days after the day on which all documents have been received that prove your death has occurred; and

•	payouts begin no later than one year after your death, or other date as permitted by the IRS; and

•	the payout period does not extend beyond the beneficiary’s life or life expectancy.

Qualified annuities


•	Spouse beneficiary: If you have not elected an annuity payout plan, and if your spouse is the sole beneficiary, your spouse may either elect to treat the contract as his/her own, so long as he or she is eligible to do so, or elect an annuity payout plan or another plan agreed to by us. If your spouse elects a payout option, the payouts must begin no later than the year in

42 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


	which you would have reached age 701/2. If you attained age 701/2 at the time of death, payouts must begin no later than Dec. 31 of the year following the year of your death.

Your spouse may elect to assume ownership of the contract with the contract value equal to the death benefit that would otherwise have been paid (without regard to the Full Surrender Value). To do this your spouse must, on the date our death claim requirements are fulfilled, give us written instructions to continue the contract as owner. For RAVA 5 Advantage, there will be no surrender charges on the contract from that point forward unless additional purchase payments are made. For RAVA 5 Select, there will be no surrender charges on the contract from that point forward. If you elected any optional contract features or riders, your spouse will be subject to all limitations and/or restrictions of those features or riders just as if they were purchasing a new contract and the values may be reset (see “Optional Living Benefits”, “Optional Death Benefits” and “Benefits in the Case of Death — Standard Death Benefit”). If the death benefit applicable to the contract changes due to spousal continuation, the mortality and expense risk fee may change as well (see “Charges — Mortality and Expense Risk Fee”). If your spouse is the sole beneficiary and elects to treat the contract as his/her own as an inherited IRA, the SecureSource Stages 2 rider will terminate.

If you purchased this contract as an inherited IRA and your spouse is the sole beneficiary, he or she can elect to continue this contract as an inherited IRA. Your spouse must follow the schedule of minimum surrenders established based on your life expectancy.

If you purchased this contract as an inherited IRA and your spouse is not the sole beneficiary, he or she can elect an alternative payment plan for his or her share of the death benefit and all optional death benefits and living benefits will terminate. Your spouse beneficiary must submit the applicable investment options form or the Portfolio Navigator program enrollment form. No additional purchase payments will be accepted. The death benefit payable on the death of the spouse beneficiary is the greater of the contract value after any rider charges have been deducted and the Full Surrender Value; the mortality and expense risk fee will be the same as is applicable to the Standard Death Benefit. Your spouse must follow the schedule of minimum surrenders established based on your life expectancy.

•

Non-spouse beneficiary: If you have not elected an annuity payout plan, and if death occurs prior to the year you would have attained age 701/2, the beneficiary may elect to receive payouts from the contract over a five year period. If your beneficiary does not elect a five year payout or if your death occurs after attaining age 701/2, we will pay the beneficiary in a single sum unless the beneficiary elects to receive payouts under any payout plan available under this contract if:


	•	the beneficiary asks us in writing within 60 days after the day on which all documents have been received that prove your death has occurred; and

	•	payouts begin no later than one year following the year of your death; and

	•	the payout period does not extend beyond the beneficiary’s life or life expectancy.

If a beneficiary elects an alternative payment plan which is an inherited IRA, all optional death benefits and living benefits will terminate. The beneficiary must submit the applicable investment options form or the Portfolio Navigator program enrollment form. No additional purchase payments will be accepted. The death benefit payable on the death of the non-spouse beneficiary is the greater of the contract value and the Full Surrender Value; the mortality and expense risk fee will be the same as is applicable to the Standard Death Benefit.

In the event of your beneficiary’s death, their beneficiary can elect to take a lump sum payment or to continue the alternative payment plan following the schedule of minimum withdrawals established based on the life expectancy of your beneficiary.

IF YOU DIE AFTER THE ANNUITIZATION START DATE

If you die after the annuitization start date, the amount payable, if any, will depend on the annuity payment plan then in effect.

Death of the owner: If the owner is the annuitant and dies after the annuitization start date, payments cease for lifetime only payment plans. Payments continue to the owner’s beneficiaries for the remainder of any guarantee period or for the lifetime of a surviving joint annuitant, if any.

If the owner is not the annuitant and dies after the annuitization start date, payments continue to the beneficiaries according to the payment plan in effect.

Death of the annuitant or of a beneficiary receiving payments under an annuity payment plan: If the owner is not the annuitant and the annuitant dies after the annuitization start date, payments cease for lifetime payment plans. Payments continue to the owner for the remainder of any guarantee period or for the lifetime of a surviving joint annuitant, if any.

If a beneficiary elects an annuity payment plan as provided under the payment options provision above and dies after payments begin, payments continue to beneficiaries named by the deceased beneficiary as provided under the change of beneficiary provision for the remainder of any guarantee period.


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 43

In any event, amounts remaining payable must be paid at least as rapidly as payments were being made at the time of such death.

Benefits in Case of Death — Standard Death Benefit

We will pay the death benefit to your beneficiary upon your death if you die before the annuitization start date while this contract is in force. If a contract has more than one person as the owner, we will pay benefits upon the first to die of any owner.

If you are age 79 or younger on the date we issue the contract or the date of the most recent covered life change, the beneficiary receives the greater of:


•	the contract value after any rider charges have been deducted;

•	the Return of Purchase Payments (ROPP) value; or

•	the Full Surrender Value.

If you are age 80 or older on the date we issue the contract or the date of the most recent covered life change, the beneficiary receives the greater of contract value after any rider charges have been deducted or the Full Surrender Value.

Here are some terms that are used to describe the Standard Death Benefit and optional death benefits:

ROPP Value: is the total purchase payments on the contract issue date. Additional purchase payments will be added to the ROPP value. Adjusted partial surrenders will be subtracted from the ROPP value.

Adjusted partial surrenders


		PS × DB CV


	PS =	amount by which the contract value is reduced as a result of the partial surrender.


	DB =	the applicable ROPP value, MAV value or 5-year MAV value on the date of (but prior to) the partial surrender.

	CV =	the contract value on the date of (but prior to) the partial surrender.

Covered Life Change: is either continuation of the contract by a spouse under the spousal continuation provision, or an ownership change where any owner after the ownership change was not an owner prior to the change.

Full Surrender Value: is the contract value immediately prior to the surrender (immediately prior to payment of a death claim for death benefits) less:


	•	any surrender charge,

	•	pro rata rider charges,

	•	the contract charge, and

plus:


	•	any positive or negative market value adjustment.

For a spouse who continues the contract and is age 79 or younger, we set the ROPP value to the contract value on the date of the continuation after any rider charges have been deducted and after any increase to the contract value due to the death benefit that would otherwise have been paid (without regard to the Full Surrender Value).

After a covered life change other than for the spouse who continues the contract, if the prior owner and all current owners are eligible for the ROPP Death Benefit, we reset the ROPP value on the valuation date we receive your request for the ownership change to the contract value after any rider charges have been deducted, if the contract value is less. If the prior owner was not eligible for the ROPP Death Benefit, but the new owner is eligible, we reset the ROPP value to the contract value after any rider charges have been deducted on the valuation date we receive your request for the ownership change.

Example of standard death benefit calculation when you are age 79 or younger on the contract effective date:


•	You purchase the contract with a payment of $20,000

•	During the second contract year the contract value falls to $18,000, at which point you take a $1,500 partial surrender, leaving a contract value of $16,500.

44 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


We calculate the death benefit as follows:
The total purchase payments minus adjustments for partial surrenders:
Total purchase payments minus adjusted partial surrenders, calculated as:			$	20,000
	$1,500 × $20,000 $18,000	=		−1,667


for a standard death benefit of:			$	18,333
since this is greater than your contract value of $16,500

Optional Benefits

The assets held in our general account support the guarantees under your contract, including optional death benefits and optional living benefits. To the extent that we are required to pay you amounts in addition to your contract value under these benefits, such amounts will come from our general account assets. You should be aware that our general account is exposed to the risks normally associated with a portfolio of fixed-income securities, including interest rate, option, liquidity and credit risk. You should also be aware that we issue other types of insurance and financial products as well, and we also pay out obligations under these products from 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.

OPTIONAL DEATH BENEFITS

In addition to the Standard Death Benefit, we also offer the following optional death benefits at contract issue:


•	ROPP Death Benefit;

•	MAV Death Benefit;

•	5-Year MAV Death Benefit;

•	5% Accumulation Death Benefit;

•	Enhanced Death Benefit;

•	Benefit Protector Death Benefit; and

•	Benefit Protector Plus Death Benefit.

If it is available in your state and if you are age 75 or younger at contract issue, you can elect any one of the above optional death benefits other than the ROPP death benefit; the MAV, 5% Accumulation and Enhanced are available if you are 79 or younger; you may elect the ROPP Death Benefit if you are age 80 or older. (ROPP is included in the Standard Death Benefit if you are 79 or younger at contract issue.)

Once you elect a death benefit, you cannot change it; however the death benefit that applies to your contract may change due to an ownership change (see “Changing Ownership”) or continuation of the contract by the spouse under the spousal continuation provision.

The death benefit determines the mortality and risk expense fee that is assessed against the subaccounts. We will base the benefit paid on the death benefit coverage in effect on the date of your death.

If available in your state and you are age 80 or older at contract issue, you may select the ROPP death benefit described below at the time you purchase your contract. Be sure to discuss with your financial advisor whether or not this death benefit is appropriate for your situation.

RETURN OF PURCHASE PAYMENTS (ROPP) DEATH BENEFIT

The ROPP Death Benefit will pay your beneficiaries no less than your purchase payments, adjusted for surrenders. If you die before the annuitization start date and while this contract is in force, the death benefit will be the greatest of:

1. the contract value after any rider charges have been deducted,

2. the ROPP Value as described above, or

3. the Full Surrender Value as described above.

For a spouse who continues the contract and is age 80 or older, we reset the ROPP value to the contract value on the date of the continuation after any rider charges have been deducted and after any increase to the contract value due to the death benefit that would otherwise have been paid (without regard to the Full Surrender Value). If the spouse who continues the contract is age 79 or younger, the optional ROPP Death Benefit will terminate and the Standard Death Benefit will apply.


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 45

After a covered life change other than for the spouse who continues the contract, if any owner is age 80 or older we reset the ROPP value on the valuation date we receive your request for the ownership change to the contract value after any rider charges have been deducted, if the contract value is less.

If all owners are age 79 or younger, the optional ROPP Death Benefit will terminate and the Standard Death Benefit will apply.

If available in your state and you are age 75 or younger at contract issue, you may select one of the death benefits described below at the time you purchase your contract. If available in your state and you are between ages 76-79 at contract issue, you may only select the MAV Death Benefit, 5% Accumulation Death Benefit or Enhanced Death Benefit. The death benefits do not provide any additional benefit before the first contract anniversary and may not be appropriate for certain older issue ages because the benefit values may be limited after age 80. Be sure to discuss with your financial advisor whether or not these death benefits are appropriate for your situation.

MAXIMUM ANNIVERSARY VALUE (MAV) DEATH BENEFIT

The MAV Death Benefit provides that if you die while the contract is in force and before the annuitization start date, the death benefit will be the greatest of these values:

1. the contract value after any rider charges have been deducted;

2. the ROPP value as described above;

3. the MAV; or

4. the Full Surrender Value as described above.

The MAV equals the ROPP value prior to the first contract anniversary. Every contract anniversary prior to the earlier of your 81st birthday or your death, we compare the MAV to the current contract value and we reset the MAV to the higher amount. The MAV is increased by any additional purchase payments and reduced by adjusted partial surrenders as described above under “Benefits in Case of Death – Standard Death Benefit” section.

For a spouse who is age 79 or younger and continues the contract, we reset the MAV to the contract value on the date of the continuation after any rider charges have been deducted and after any increase to the contract value due to the death benefit that would otherwise have been paid (without regard to the Full Surrender Value). If your spouse is age 80 or older when the contract is continued, the MAV death benefit will terminate and the Standard Death Benefit will apply.

After a covered life change other than for a spouse who continues the contract, if all owners are age 79 or younger, we reset the MAV on the valuation date we receive your request for the ownership change to the lesser of these two values:

(a) the contract value after any rider charges have been deducted, or

(b) the MAV on that date, but prior to the reset.

If any new owner is age 80 or older at the time of the covered life change, the MAV death benefit will terminate and the Standard Death Benefit will apply.

5-Year MAXIMUM ANNIVERSARY VALUE (5-Year MAV) DEATH BENEFIT

The 5-year MAV Death Benefit provides that if you die while the contract is in force and before the annuitization start date, the death benefit will be the greatest of these values:

1. the contract value after any rider charges have been deducted;

2. the ROPP value as described above;

3. the 5-year MAV; or

4. the Full Surrender Value as described above.

The 5-year MAV equals the ROPP value prior to the fifth contract anniversary. Every fifth contract anniversary prior to the earlier of your 81st birthday or your death, we compare the 5-year MAV to the current contract value and we reset the 5-Year MAV to the higher amount. The 5-year MAV is increased by any additional purchase payments and reduced by adjusted partial surrenders as described above under “Benefits in Case of Death – Standard Death Benefit” section.

For a spouse who is age 75 or younger and continues the contract, we reset the 5-Year MAV to the contract value on the date of the continuation after any rider charges have been deducted and after any increase to the contract value due to the death benefit that would otherwise have been paid (without regard to the Full Surrender Value). If your spouse is age 76 or older when the contract was continued, the 5-year MAV death benefit will terminate and the Standard Death Benefit will apply.

46 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS

After a covered life change other than for a spouse who continues the contract, if all owners are age 75 or younger, we reset the 5-Year MAV on the valuation date we receive your request for the ownership change to the lesser of these two values:

(a) the contract value after any rider charges have been deducted, or

(b) the 5-Year MAV on that date, but prior to the reset.

If any owner is age 76 or older at the time of the covered life change, the 5-year MAV death benefit will terminate and the Standard Death Benefit will apply.

5% ACCUMULATION DEATH BENEFIT

The 5% Accumulation Death Benefit provides that if you die while the contract is in force and before the annuitization start date, the death benefit will be the greatest of these values:

1. the contract value after any rider charges have been deducted;

2. the ROPP value as described above;

3. the 5% accumulation death benefit floor; or

4. the Full Surrender Value as described above.

The key terms and provisions of the 5% Accumulation Death Benefit are:

5% Accumulation Death Benefit Floor: is equal to the sum of:

1. the contract value in the Excluded Accounts (currently, regular fixed account and GPAs), if any, and

2. the variable account floor.

Protected Account Base (PAB) and Excluded Account Base (EAB): Adjustments to variable account floor require tracking amounts representing purchase payments, not previously surrendered, that are allocated or transferred to the Protected Accounts (currently, subaccounts and the Special DCA fixed account) and Excluded Accounts.


	–	PAB equals amounts representing purchase payments, not previously surrendered or transferred, that are in the Protected Accounts.

	–	EAB equals amounts representing purchase payments, not previously surrendered or transferred, that are in the Excluded Accounts. Establishment, adjustments and increases to Variable Account Floor are explained below.

Variable Account Floor: Variable account floor is PAB increased on contract anniversaries prior to the earlier of your 81^st birthday or your death.

Net Transfer: If multiple transfers are made on the same valuation day, they are combined to determine the net amount of contract value being transferred between the Protected Accounts and Excluded Accounts. This net transfer amount is used to adjust the EAB, PAB and variable account floor values.

Establishment of Variable Account Floor, PAB and EAB

On the contract date, 1) variable account floor and PAB are established as your initial purchase payment allocated to the Protected Accounts; and 2) EAB is established as your initial purchase payment allocated to the Excluded Accounts.

Adjustments to Variable Account Floor, PAB and EAB

Variable account floor, PAB and EAB are adjusted by the following:


1.	When an additional purchase payment is made;


	(A)	any payment you allocate to the Protected Accounts are added to PAB and to variable account floor, and


	(B)	any payment you allocate to the excluded accounts are added to EAB.


2.	When transfers are made to the Protected Accounts from the Excluded Accounts, we increase PAB and variable account floor, and we reduce EAB.

	The amount we deduct from EAB and add to PAB and to variable account floor is calculated for each net transfer using the following formula:


a × b c		where:

a = the amount the contract value in the Excluded Accounts is reduced by the net transfer

b = EAB on the date of (but prior to) the transfer

c = the contract value in the Excluded Accounts on the date of (but prior to) the transfer.


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3.	When partial surrenders are made from the Excluded Accounts, we reduce EAB by the same amount as calculated above for transfers from the Excluded Accounts, using surrender amounts in place of transfer amounts. Partial surrenders from Excluded Accounts do not increase PAB.

4.	When transfers are made to the Excluded Accounts from the Protected Accounts, we reduce PAB and variable account floor, and increase EAB.

The amounts we deduct from PAB and variable account floor are calculated for each net transfer using the following formula:


a × b c		where:

a = the amount the contract value in the Protected Accounts is reduced by the net transfer

b = the applicable PAB or variable account floor on the date of (but prior to) the transfer

c = the contract value in the Protected Accounts on the date of (but prior to) the transfer.

The amount we subtract from PAB is added to EAB.


5.	When partial surrenders are made from the Protected Accounts, we reduce PAB and variable account floor by the same amount as calculated above for transfers from the Protected Accounts, using surrender amounts in place of transfer amounts. Partial surrenders from Protected Accounts do not increase EAB.

6.	After a covered life change for a spouse who continues the contract, variable account floor and PAB are reset to the contract value in the Protected Accounts on the date of continuation. EAB is reset to the contract value in the Excluded Accounts on the date of continuation. The contract value is after any rider charges have been deducted and after any increase to the contract value due to the death benefit that would otherwise have been paid (without regard to the Full Surrender Value).

7.	After a covered life change other than for a spouse who continues the contract, variable account floor, PAB and EAB are reset on the valuation date we receive your written request for the covered life change.

Variable account floor and PAB are reset to the lesser of A or B where:

A = the contract value (after any rider charges have been deducted) in the Protected Accounts on that date, and

B = Variable account floor on that date (but prior to the reset).

EAB is reset to the lesser of A or B where:

A = the contract value (after any rider charges have been deducted) in the Excluded Accounts on that date, and

B = EAB on that date (but prior to the reset).


8.	On a contract anniversary when variable account floor is greater than zero:


	(A)	On the first contract anniversary, we increase variable account floor by an amount equal to 5%, multiplied by variable account floor as of 60 days after the contract date.


	(B)	On each subsequent contract anniversary prior to the earlier of your 81^st birthday or your death, we increase variable account floor by 5 %, multiplied by the prior contract anniversary’s variable account floor.

	(C)	Any variable account floor increase on contract anniversaries does not increase PAB or EAB.

For contracts issued in New Jersey and Washington state, the cap on the variable account floor is 200% of PAB.

For a spouse who is age 79 or younger and continues the contract, the 5% Accumulation Death Benefit will continue and the values may be reset as described above. If your spouse is age 80 or older when the contract is continued, the 5% Accumulation Death Benefit will terminate and the Standard Death Benefit will apply.

After a covered life change other than for a spouse who continues the contract, if all owners are age 79 or younger, the 5% Accumulation Death Benefit will continue and the values may be reset as described above. If any owner is age 80 or older at the time of the covered life change, the 5% Accumulation death benefit will terminate and the Standard Death Benefit will apply.

ENHANCED DEATH BENEFIT

The Enhanced Death Benefit provides that if you die while the contract is in force and before the annuitization start date, the death benefit will be the greatest of these values:


1.	contract value after any rider charges have been deducted;

2.	the ROPP value as described above;

48 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


3.	the MAV as described above;

4.	the 5% accumulation death benefit floor as described above; or

5.	the Full Surrender Value as described above.

For a spouse who is age 79 or younger and continues the contract, the Enhanced Death Benefit will continue and the values may be reset as described above. If your spouse is age 80 or older when the contract is continued, the Enhanced Death Benefit will terminate and the Standard Death Benefit will apply.

After a covered life change other than for a spouse who continues the contract, if all owners are age 79 or younger, the Enhanced Death Benefit will continue and the values may be reset as described above. If any owner is age 80 or older at the time of the covered life change, the Enhanced Death Benefit will terminate and the Standard Death Benefit will apply.

For an example of how each death benefit is calculated, see Appendix D.

BENEFIT PROTECTOR DEATH BENEFIT

The Benefit Protector is intended to provide an additional benefit to your beneficiary to help offset expenses after your death such as funeral expenses or federal and state taxes. This is an optional benefit that you may select for an additional annual charge (see “Charges”). The Benefit Protector provides reduced benefits if you are age 70 or older at the rider effective date. The Benefit Protector does not provide any additional benefit before the first rider anniversary.

If this rider is available in your state and you are age 75 or younger at contract issue, you may choose to add the Benefit Protector to your contract. You must elect the Benefit Protector at the time you purchase your contract and your rider effective date will be the contract issue date. You may not select this rider if you select the Benefit Protector Plus rider, the 5% Accumulation Death Benefit or the Enhanced Death Benefit.

Qualified annuities have minimum distribution rules that govern the timing and amount of distributions from the annuity contract (see “Taxes — Qualified Annuities — Required Minimum Distributions”). Since the benefit paid by the rider is determined by the amount of earnings at death, the amount of the benefit paid may be reduced as a result of taking any surrenders including RMDs. Be sure to discuss with your investment professional and tax advisor whether or not the Benefit Protector is appropriate for your situation.

The Benefit Protector provides that if you die after the first rider anniversary, but before the annuitization start date, and while this contract is in force, we will pay the beneficiary:


•	the applicable death benefit, plus:

•	40% of your earnings at death if you were under age 70 on the rider effective date; or

•	15% of your earnings at death if you were age 70 or older on the rider effective date.

If this rider is effective after the contract date or if there has been a covered life change, remaining purchase payments is established or set as the contract value on the rider effective date or, if later, the date of the most recent covered life change. Thereafter, remaining purchase payments is increased by the amount of each additional purchase payment and adjusted for each partial surrender.

Earnings at death: For purposes of the Benefit Protector and Benefit Protector Plus riders, this is an amount equal to the applicable death benefit minus remaining purchase payments. Partial surrenders will come from any earnings before reducing purchase payments in the contract. The earnings at death may not be less than zero and may not be more than 250% of the remaining purchase payments that are one or more years old.

Note: Remaining purchase payments is calculated differently and is not the same value as purchase payments not previously surrendered used in the surrender charge calculation.

Terminating the Benefit Protector


•	You may terminate the rider within 30 days after the first rider anniversary.

•	You may terminate the rider within 30 days after any rider anniversary beginning with the seventh rider anniversary.

•	The rider will terminate when you make a full surrender from the contract or on the annuitization start date.

•	Your spouse may terminate the rider within 30 days following the effective date of the spousal continuation if your spouse is age 75 or younger.

•	You may terminate the rider within 30 days following the effective date of an ownership change if you are age 75 or younger.

•	The rider will terminate for a spousal continuation or ownership change if the spouse or any owner is age 76 or older at the time of the change.


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•	The rider will terminate after the death benefit is payable, unless the spouse continues the contract under spousal continuation provision.

•	The rider will terminate when beneficiary elects an alternative payment plan which is an inherited IRA.

If your spouse is the sole beneficiary and you die before the annuitization start date, your spouse may keep the contract as owner. Your spouse will be subject to all the limitations and restrictions of the rider just as if they were purchasing a new contract and the age of the spouse at the time of the change will be used to determine the earnings at death percentage going forward. If your spouse does not qualify for the rider on the basis of age we will terminate the rider. If they do qualify for the rider on the basis of age we will set the contract value equal to the death benefit that would otherwise have been paid (without regard to the Full Surrender Value) and we will substitute this new contract value on the date of death for “remaining purchase payments” used in calculating earnings at death.

After a covered life change other than a spouse that continues the contract, all owners will be subject to all of the limitations and restrictions of the rider just as if they were purchasing a new contract; and the age of all owners at the time of the change will be used to determine the earnings at death percentage going forward. If any owner does not qualify for the rider on the basis of age, we will terminate the rider. If they do qualify for the rider on the basis of age, we will substitute the contract value on the date of the ownership change for remaining purchase payments used in calculating earnings at death.

For an example, please see Appendix D.

BENEFIT PROTECTOR PLUS DEATH BENEFIT RIDER (BENEFIT PROTECTOR PLUS)

The Benefit Protector Plus is intended to provide an additional benefit to your beneficiary to help offset expenses after your death such as funeral expenses or federal and state taxes. This is an optional benefit that you may select for an additional annual charge (see “Charges”). The Benefit Protector Plus provides reduced benefits if you are 70 or older at the rider effective date. It does not provide any additional benefit before the first rider anniversary and it does not provide any benefit beyond what is offered under the Benefit Protector rider during the second rider year. Be sure to discuss with your investment professional whether or not the Benefit Protector Plus is appropriate for your situation.

If this rider is available in your state and you are 75 or younger at contract issue, you may choose to add the Benefit Protector Plus to your contract. You must elect the Benefit Protector Plus at the time you purchase your contract and your rider effective date will be the contract issue date. This rider is only available for transfers, exchanges or rollovers. If this is a non-qualified annuity, the transfers, exchanges or rollovers must be from another annuity or life insurance policy. You may not select this rider if you select the Benefit Protector Rider, 5% Accumulation Death Benefit or the Enhanced Death Benefit.

The Benefit Protector Plus provides that if you die after the first rider anniversary, but before the annuitization start date, and while this contract is in force, we will pay the beneficiary:

the benefits payable under the Benefit Protector described above, plus:

a percentage of purchase payments made within 60 days of contract issue not previously surrendered as follows:


	Percentage if you are			Percentage if you are
Rider year when death occurs:	under age 70 on the rider effective date			70 or older on the rider effective date

One and Two		0	%		0	%

Three and Four		10	%		3.75	%

Five or more		20	%		7.5	%

Another way to describe the benefits payable under the Benefit Protector Plus rider is as follows:


•	the applicable death benefit plus:


Rider year when	If you are under age 70	If you are age 70
death occurs	on the rider effective date, add . . .	or older on the rider effective date, add . . .


One	Zero	Zero

Two	40% × earnings at death (see above)	15% × earnings at death

Three and Four	40% × (earnings at death + 25% of initial purchase payment*)	15% × (earnings at death + 25% of initial purchase payment*)

Five or more	40% × (earnings at death + 50% of initial purchase payment*)	15% × (earnings at death + 50% of initial purchase payment*)


*		Initial purchase payments are payments made within 60 days of rider issue not previously surrendered.

50 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS

Terminating the Benefit Protector Plus


•	You may terminate the rider within 30 days of the first rider anniversary.

•	You may terminate the rider within 30 days of any rider anniversary beginning with the seventh rider anniversary.

•	The rider will terminate when you make a full surrender from the contract, on the annuitization start date, or when the death benefit is payable.

•	The rider will terminate if there is a covered life change.

•	The rider will terminate when a beneficiary elects an alternative payment plan which is an inherited IRA.

If your spouse is sole beneficiary and you die before the annuitization start date, your spouse may keep the contract as owner with the contract value equal to the death benefit that would otherwise have been paid without regard to the Full Surrender Value. We will then terminate the Benefit Protector Plus (see “Benefits in Case of Death”).

For an example, see Appendix D.

OPTIONAL LIVING BENEFITS

SECURESOURCE STAGES 2 RIDERS

The SecureSource Stages 2 rider is an optional benefit that you can add to your contract for an additional charge. This benefit is intended to provide to you, after the lifetime benefit is established, a specified withdrawal amount annually for life, even if your contract value is zero, subject to the terms and provisions described in this section. Additionally, this benefit offers a credit feature to help in low or poor performing markets and a step up feature to lock in contract anniversary gains.

The SecureSource Stages 2 rider may be appropriate for you if you intend to make periodic withdrawals from your annuity contract and wish to ensure that market performance will not adversely affect your ability to withdraw income over your lifetime. This rider may not be appropriate for you if you do not intend to limit withdrawals to the amount allowed in order to receive the full benefits of the rider.

Your benefits under the rider can be reduced if any of the following occurs:


•	If you take any withdrawals during the 1-year waiting period, the lifetime benefit amount will be determined using percentage B for the appropriate age band as long as rider benefits are payable;

•	If you withdraw more than the allowed withdrawal amount in a contract year, or you take withdrawals before the lifetime benefit is available;

•	If you take a withdrawal and later choose to allocate your contract value to a Portfolio Navigator fund of funds that is more aggressive than the target fund;

•	If the contract value is 20% or more below purchase payments increased by any contract anniversary gains or rider credits and adjusted for withdrawals (see withdrawal adjustment base described below).

The SecureSource Stages 2 rider guarantees that, regardless of investment performance, you may take withdrawals up to the lifetime benefit amount each contract year after the lifetime benefit is established. Your age at the time of the first withdrawal will determine the age band for as long as benefits are payable except as described in the lifetime payment percentage provision.

As long as your total withdrawals during the current year do not exceed the lifetime benefit amount, you will not be assessed a surrender charge. If you withdraw a larger amount, the excess amount will be assessed any applicable surrender charges and benefits will be reduced in accordance with excess withdrawal processing. At any time, you may withdraw any amount up to your entire surrender value, subject to excess withdrawal processing under the rider.

Subject to conditions and limitations, the rider also guarantees that you or your beneficiary will get back purchase payments you have made, increased by annual step-ups, through withdrawals over time. Any amount we pay in excess of your contract value is subject to our financial strength and claims-paying ability.

Subject to conditions and limitations, the lifetime benefit amount can be increased if a rider credit is available or your contract value has increased on a rider anniversary. The principal back guarantee can also be increased if your contract value has increased on a rider anniversary.

AVAILABILITY

There are two optional SecureSource Stages 2 riders available under your contract:


•	SecureSource Stages 2 — Single Life

•	SecureSource Stages 2 — Joint Life

The information in this section applies to both SecureSource Stages 2 riders, unless otherwise noted.


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For the purpose of this rider, the term “withdrawal” is equal to the term “surrender” in the contract or any riders. Withdrawals will adjust contract values and benefits in the same manner as surrenders.

The SecureSource Stages 2 — Single Life rider covers one person. The SecureSource Stages 2 — Joint Life Rider covers two spouses jointly who are named at contract issue. You may elect only the SecureSource Stages 2 — Single Life rider or the SecureSource Stages 2 — Joint Life rider, not both, and you may not switch riders later. You must elect the rider when you purchase your contract. The rider effective date will be the contract issue date.

The SecureSource Stages 2 rider is an optional benefit that you may select, if approved in your state, for an additional annual charge if:


•	*Single Life:* you are 85 or younger on the date the contract is issued; or

•	*Joint Life:* you and your spouse are 85 or younger on the date the contract is issued.

The SecureSource Stages 2 riders are not available under an inherited qualified annuity.

The SecureSource Stages 2 rider guarantees that after the waiting period, regardless of the investment performance of your contract, you will be able to withdraw up to a certain amount each year from the contract before the annuitization start date until:


•	*Single Life:* death (see “At Death” heading below).

•	*Joint Life:* the death of the last surviving covered spouse (see “Joint Life only: Covered Spouses” and “At Death” headings below).

KEY TERMS

The key terms associated with the SecureSource Stages 2 rider are:

Age Bands: Each age band is associated with a two lifetime payment percentages. The covered person (Joint Life: the younger covered spouse) must be at least the youngest age shown in the first age band for the annual lifetime payment to be established. After the annual lifetime payment is established, in addition to your age, other factors determine when you move to a higher age band.

Annual Lifetime Payment (ALP): the lifetime benefit amount available each contract year after the covered person (Joint Life: the younger covered spouse) has reached the youngest age in the first age band. After the waiting period, the annual withdrawal amount guaranteed by the rider can vary each contract year.

Annual Step-Up: an increase in the benefit base and/or the principal back guarantee and a possible increase in the lifetime payment percentage that is available each rider anniversary if your contract value increases, subject to certain conditions.

Benefit Base (BB): used to calculate the annual lifetime payment and the annual rider charge. The BB cannot be withdrawn in a lump sum or annuitized and is not payable as a death benefit.

Credit Base (CB): used to calculate the rider credit. The CB cannot be withdrawn or annuitized and is not payable as a death benefit.

Excess Withdrawal: (1) a withdrawal taken before the annual lifetime payment is established, or (2) a withdrawal that is greater than the remaining annual lifetime payment after the annual lifetime payment is established.

Excess Withdrawal Processing: a reduction in benefits if a withdrawal is taken before the annual lifetime payment is established or if a withdrawal exceeds the remaining annual lifetime payment.

Lifetime Payment Percentage: used to calculate your annual lifetime payment. Two percentages (“percentage A” and “percentage B”) are used for each age band. The difference between percentage A and percentage B is referred to as the income bonus. Percentage B is referred to as the minimum lifetime payment percentage.

Principal Back Guarantee (PBG): a guarantee that total withdrawals will not be less than purchase payments you have made, increased by annual step-ups, as long as there is no excess withdrawal or benefit reset.

Remaining Annual Lifetime Payment (RALP): as you take withdrawals during a contract year, the remaining amount that the rider guarantees will be available for withdrawal that year is reduced. After the annual lifetime payment is established, the RALP is the guaranteed amount that can be withdrawn during the remainder of the current contract year.

Rider Credit: an amount that can be added to the benefit base on each of the first ten contract anniversaries based on a rider credit percentage of 8% for the first anniversary and 6% thereafter, as long as no withdrawals have been taken since the rider effective date and you do not decline any annual rider fee increase. Investment performance and excess withdrawals may reduce or eliminate the benefit of any rider credits. Rider credits may result in higher rider charges that may exceed the benefit from the credits.

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Waiting Period: the period of time before you can take a withdrawal without limiting benefits under the rider. If you take any withdrawals during the waiting period, the lifetime benefit amount will be determined using percentage B, the minimum lifetime payment percentage, for the appropriate age band and percentage A, and therefore the income bonus, will not be available as long as rider benefits are payable. The waiting period starts on the rider effective date and ends on the day prior to the first anniversary.

Withdrawal Adjustment Base (WAB): one of the components used to determine the lifetime payment percentage after the waiting period. The WAB cannot be withdrawn or annuitized and is not payable as a death benefit.

IMPORTANT SECURESOURCE STAGES 2 RIDER CONSIDERATIONS

You should consider whether a SecureSource Stages 2 rider is appropriate for you taking into account the following considerations:


•	Lifetime Benefit Limitations: The lifetime benefit is subject to certain limitations, including but not limited to:

Single Life: Once the contract value equals zero, payments are made for as long as the covered person is living (see “If Contract Value Reduces to Zero” heading below). However, if the contract value is greater than zero, the lifetime benefit terminates at the first death of any owner even if the covered person is still living (see “At Death” heading below). This possibility may present itself when there are multiple contract owners — when one of the contract owners dies the lifetime benefit terminates even though other contract owners are still living.

Joint Life: Once the contract value equals zero, payments are made for as long as either covered spouse is living (see “If Contract Value Reduces to Zero” heading below). However, if the contract value is greater than zero, the lifetime benefit terminates at the death of the last surviving covered spouse (see “At Death” heading below).

•

Withdrawals: Please consider carefully when you start taking withdrawals from this rider. If you take any withdrawals during the 1-year waiting period, the lifetime benefit amount will be determined using percentage B for the appropriate age band and percentage A, and therefore income bonus, will not be available as long as rider benefits are payable. Any withdrawals in the first 10 years will terminate any remaining rider credits. Also, if you withdraw more than the allowed withdrawal amount in a contract year or take withdrawals before the lifetime benefit is available (“excess withdrawal”), the guaranteed amounts under the rider will be reduced.

•

Investment Allocation Restriction: You must elect one of the approved investment options. We reserve the right to add, remove or substitute approved investment options in the future. This requirement limits your choice of investment options. This means you will not be able to allocate contract value to all of the subaccounts, GPAs or the regular fixed account that are available under the contract to contract owners who do not elect the rider. (See “Making the Most of Your Contract — Portfolio Navigator Program and Portfolio Stabilizer Funds.”) You may allocate purchase payments to the Special DCA fixed account, when available, and we will make monthly transfers into the investment option you have chosen. You may make two elective investment option changes per contract year; we reserve the right to limit elective investment option changes if required to comply with the written instructions of a fund (see “Market Timing”).

Immediately following a withdrawal your contract value will be reallocated to the target investment option classification as shown in your contract if your current investment option is more aggressive than the target investment option classification. This automatic reallocation is not included in the total number of allowed investment option changes per contract year. The target investment option is currently the Moderate investment option. We reserve the right to change the target investment option to an investment option classification that is more aggressive than the Moderate investment option after 30 days written notice.

After you have taken a withdrawal and prior to any benefit reset, you are in a withdrawal phase. During withdrawal phases you may request to change your investment option to the target investment option or any investment option that is more conservative than the target investment option without a benefit reset as described below. If you are in a withdrawal phase and you choose to allocate your contract value to an investment option that is more aggressive than the target investment option, you will be in the accumulation phase again and your rider benefit will be reset as follows:


	1.	the BB, PBG and WAB will be reset to the contract value, if less than their current amount; and

2. the ALP and RALP, if available, will be recalculated.


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You may request to change your investment option by written request on an authorized form or by another method agreed to by us.


•	Non-Cancelable: Once elected, the SecureSource Stages 2 rider may not be cancelled (except as provided under “Rider Termination” heading below) and the charge will continue to be deducted until the contract or rider is terminated or the contract value reduces to zero (described below).

Dissolution of marriage does not terminate the SecureSource Stages 2 — Joint Life rider and will not reduce the fee we charge for this rider. The benefit under the SecureSource Stages 2 — Joint Life rider continues for the covered spouse who is the owner of the contract (or annuitant in the case of nonnatural or revocable trust ownership). The rider will terminate at the death of the contract owner because the original covered spouse will be unable to elect the spousal continuation provision of the contract (see “Joint Life only: Covered Spouses” below).

•

Joint Life: Limitations on Contract Owners, Annuitants and Beneficiaries: Since the joint life benefit will terminate unless the surviving covered spouse continues the contract under the spousal option to continue the contract upon the owner’s death provision, only ownership arrangements that permit such continuation are allowed at rider issue. In general, the covered spouses should be joint owners, or one covered spouse should be the owner and the other covered spouse should be named as the sole primary beneficiary.

For non-natural ownership arrangements that allow for spousal continuation one covered spouse should be the annuitant and the other covered spouse should be the sole primary beneficiary. For revocable trust ownerships, the grantor of the trust must be the annuitant and the beneficiary must either be the annuitant’s spouse or a trust that names the annuitant’s spouse as the sole primary beneficiary. You are responsible for establishing ownership arrangements that will allow for spousal continuation.

If you select the SecureSource Stages 2 — Joint Life rider, please consider carefully whether or not you wish to change the beneficiary of your annuity contract. The rider will terminate if the surviving covered spouse cannot utilize the spousal continuation provision of the contract when the death benefit is payable.


•	Limitations on Purchase Payments: We reserve the right to limit the cumulative amount of purchase payments, subject to state restrictions. For current purchase payment restrictions, please see “Buying Your Contract — Purchase Payments”.

•	Interaction with Total Free Amount (FA) contract provision: The FA is the amount you are allowed to withdraw from the contract in each contract year without incurring a surrender charge (see “Charges — Surrender Charge”). The FA may be greater than the remaining annual lifetime payment under this rider. Any amount you withdraw under the contract’s FA provision that exceeds the remaining annual lifetime payment is subject to the excess withdrawal processing described below.

You should consult your tax advisor before you select this optional rider if you have any questions about the use of the rider in your tax situation because:


•	Tax Considerations for Nonqualified Annuities: Under current federal income tax law, withdrawals under nonqualified annuities, including withdrawals taken from the contract under the terms of the rider, are treated less favorably than amounts received as annuity payments under the contract (see “Taxes — Nonqualified Annuities”). Withdrawals are taxable income to the extent of earnings. Withdrawals of earnings before age 591/2 may also incur a 10% IRS early withdrawal penalty. You should consult your tax advisor before you select this optional rider if you have any questions about the use of the rider in your tax situation.

•	Tax Considerations for Qualified Annuities: Qualified annuities have minimum distribution rules that govern the timing and amount of distributions from the annuity contract (see “Taxes — Qualified Annuities — Required Minimum Distributions”). If you have a qualified annuity, you may need to take an RMD during the waiting period the lifetime benefit amount will be determined using percentage B for as long as rider benefits are payable. While the rider permits certain excess withdrawals to be taken for the purpose of satisfying RMD requirements for your contract alone without reducing future benefits guaranteed under the rider, there can be no guarantee that changes in the federal income tax law after the effective date of the rider will not require a larger RMD to be taken, in which case, future guaranteed withdrawals under the rider could be reduced. See Appendix F for additional information.


•	Treatment of non-spousal distributions: Unless you are married your beneficiary will be required to take distributions as a non-spouse which may result in significantly decreasing the value of the rider.

LIFETIME BENEFIT DESCRIPTION

Single Life only: Covered Person: the person whose life is used to determine when the annual lifetime payment is established, and the duration of the ALP payments (see “Annual Lifetime Payment (ALP)” heading below). The covered

54 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS

person is the oldest contract owner. If any owner is a nonnatural person (e.g., an irrevocable trust or corporation) or a revocable trust, the covered person is the oldest annuitant.

Joint Life only: Covered Spouses: the contract owner and his or her legally married spouse as defined under federal law, as named on the application for as long as the marriage is valid and in effect. If any contract owner is a nonnatural person or a revocable trust, the covered spouses are the annuitant and the legally married spouse of the annuitant. The covered spouses lives are used to determine when the annual lifetime payment is established, and the duration of the ALP payments (see “Annual Lifetime Payment (ALP)” heading below). The covered spouses are established on the rider effective date and cannot be changed.

Annual Lifetime Payment (ALP): the lifetime benefit amount available each contract year after the covered person (Joint life: younger covered spouses) has reached age 50. When the ALP is established and at all times thereafter, the ALP is equal to the BB multiplied by the lifetime payment percentage. Anytime the lifetime payment percentage or BB changes as described below, the ALP will be recalculated. After the waiting period and when the ALP is established, the first withdrawal taken in each contract year will set and fix the lifetime payment percentage for the remainder of the contract year.

If you withdraw less than the ALP in a contract year, the unused portion does not carry over to future contract years.

Single Life: The ALP is established on the later of the rider effective date if the covered person has reached age 50, or the date the covered person’s attained age equals age 50.

Joint Life: The ALP is established on the earliest of the following dates:


•	The rider effective date if the younger covered spouse has already reached age 50.

•	The date the younger covered spouse’s attained age equals age 50.

•	Upon the first death of a covered spouse, then either: (a) the date we receive a written request when the death benefit is not payable and the surviving covered spouse has already reached age 50, (b) the date spousal continuation is effective when the death benefit is payable and the surviving covered spouse has already reached age 50, or (c) the date the surviving covered spouse reaches age 50.

•	Following dissolution of marriage of the covered spouses, then either (a) the date we receive a written request if the remaining covered spouse who is the owner (or annuitant in the case of nonnatural or revocable trust ownership) has already reached age 50, or (b) the date the remaining covered spouse who is the owner (or annuitant in the case of nonnatural or revocable trust ownership) reaches age 50.

Remaining Annual Lifetime Payment (RALP): the annual lifetime payment guaranteed for withdrawal for the remainder of the contract year. The RALP is established at the same time as the ALP. The RALP equals the ALP less all withdrawals in the current contract year, but it will not be less than zero.

Lifetime Payment Percentage: used to calculate the annual lifetime payment. Two percentages are used for a given age band, percentage A or percentage B, depending on the factors described below.

For ages:


•	50-58, percentage A is 4% and percentage B is 3%.

•	59-64, percentage A is 5% and percentage B is 4%.

•	65-79, percentage A is 6% and percentage B is 5%.

•	80 and older, percentage A is 7% and percentage B is 6%.

The age band for the lifetime payment percentage is determined at the following times:


•	When the ALP is established: The age band used to calculate the initial ALP is the percentage for the covered person’s attained age (*Joint life:* younger covered spouse’s attained age).

•	On the covered person’s subsequent birthdays (*Joint life:* younger covered spouse’s subsequent birthdays): Except as noted below, if the covered person’s new attained age (*Joint life:* younger covered spouse’s attained age) is in a higher age band, then the higher age band will be used to determine the appropriate lifetime payment percentage. (However, if you decline any rider fee increase or if a withdrawal has been taken since the ALP was established, then the lifetime payment percentage will not change on subsequent birthdays.)

•	Upon annual step-ups (see “Annual Step ups” below).

•	For the Joint life rider, upon death or change in marital status: In the event of death or dissolution of marriage: (A) If no withdrawal has been taken since the ALP was established and no rider fee increase has been declined, the lifetime payment percentage will be reset based on the Age Band for the remaining covered spouse’s attained age. (B) If the ALP is not established but the remaining covered spouse has reached the youngest age in the first Age Band, the remaining covered spouse’s attained age will be used to determine the age band for the lifetime payment percentage. In the event of remarriage


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	of the covered spouses to each other, the lifetime payment percentage used is the percentage for the younger covered spouse’s attained age.

The following determines whether percentage A or percentage B is used for each applicable age band:

During the waiting period, percentage B will be used. If you take a withdrawal in the waiting period, percentage B will be used and the income bonus will not be available for as long as rider benefits are payable.

If no withdrawal is taken during the waiting period, after the waiting period a comparison of your contract value and the withdrawal adjustment base (WAB) determines whether percentage A or percentage B is used to calculate the ALP unless the percentage is fixed as described below. Market volatility, a prolonged flat, low or down market, rider credits, and the deduction of charges all impact whether you are eligible for percentage A or percentage B.

On each valuation date, if the benefit determining percentage is less than the 20% adjustment threshold, then percentage A is used in calculating your ALP, otherwise percentage B is used. The benefit determining percentage is calculated as follows, but it will not be less than zero:

1 − (a/b) where:

a = Contract value at the end of the prior valuation period

b = WAB at the end of the prior valuation period

After the ALP is established and after the waiting period, the first withdrawal taken in each contract year will set and fix the lifetime payment percentage for the remainder of the contract year. Beginning on the next rider anniversary, the lifetime payment percentage can change on each valuation day as described above until a withdrawal is taken in that contract year.

However, at the earliest of (1), (2) or (3) below Percentage A or Percentage B will be set and remain fixed as long as the benefit is payable:


•	if the ALP is established, when your contract value on a rider anniversary is less than two times the benefit base (BB) multiplied by percentage B for your current age band, or

•	when the contract value reduces to zero, or

•	on the date of death (*Joint life*: remaining covered spouse’s date of death) when a death benefit is payable.

For certain periods of time at our discretion and on a non-discriminatory basis, your lifetime payment percentage may be set by us to percentage A if more favorable to you.

Determination of Adjustments of Benefit Values: Your lifetime benefit values (benefit base (BB), credit base (CB) and withdrawal adjustment base (WAB)) and principal back guarantee (PBG) are determined at the following times and are subject to a maximum amount of $10 million each:


•	On the contract date: The WAB, CB, BB and PBG are set equal to the initial purchase payment.

•	When an additional purchase payment is made: If the WAB and CB are greater than zero, the WAB and CB will be increased by the amount of each additional purchase payment. The BB and PBG will be increased by the amount of each additional purchase payment.

•	When a withdrawal is taken: If the CB is greater than zero, the CB will be permanently reset to zero when the first withdrawal is taken, and there will be no additional rider credits.


	(a)	If the first withdrawal is taken during the waiting period, the WAB will be permanently reset to zero. If the first withdrawal is taken after the waiting period, the WAB will be reduced by the “adjustment for withdrawal,” as defined below.


	(b)	if the ALP is established and the withdrawal is less than or equal to the RALP, the BB does not change and the PBG is reduced by the amount of the withdrawal, but it will not be less than zero.


	(c)	if the ALP is not established, excess withdrawal processing will occur as follows. The BB will be reduced by the “adjustment for withdrawal,” and the PBG will be reduced by the greater of the amount of the withdrawal or the “adjustment for withdrawal,” but it will not be less than zero.


	(d)	If the ALP is established and the withdrawal is greater than the RALP, excess withdrawal processing will occur as follows:

The PBG will be reset to the lesser of:


	(i)	the PBG reduced by the amount of the withdrawal, but it will not be less than zero; or

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	(ii)	the PBG minus the RALP on the date of (but prior to) the withdrawal and further reduced by an amount calculated as follows, but it will not be less than zero:


a × b c		where:

a = the amount of the withdrawal minus the RALP

b = the PBG minus the RALP on the date of (but prior to) the withdrawal

c = the contract value on the date of (but prior to) the withdrawal minus the RALP

The BB will be reduced by an amount as calculated below:


d × e f		where:

d = the amount of the withdrawal minus the RALP

e = the BB on the date of (but prior to) the withdrawal

f = the contract value on the date of (but prior to) the withdrawal minus the RALP.

Adjustment for Withdrawal Definition: When the WAB, PBG or BB is reduced by a withdrawal in the same proportion as the contract value is reduced, the proportional amount deducted is the “adjustment for withdrawal.” The “adjustment for withdrawal” is calculated as follows:


g × h i		where:

g = the amount the contract value is reduced by the withdrawal

h = the WAB, BB or PGB (as applicable) on the date of (but prior to) the withdrawal

i = the contract value on the date of (but prior to) the withdrawal.

Rider Anniversary Processing: The following describes how the WAB, BB and PBG are calculated on rider anniversaries, subject to the maximum amount of $10 million for each, and how the lifetime payment percentage can change on rider anniversaries.


•	The WAB on rider anniversaries: Unless the WAB is permanently reset to zero or you decline any rider fee increase, the WAB (after any rider credit is added) will be increased to the contract value, if the contract value is greater.

•	Rider Credits: If you did not take any withdrawals and you did not decline any rider fee increase, rider credits are available for the first ten contract anniversaries.

On the first anniversary, the rider credit equals the credit base (CB) 180 days following the rider effective date multiplied by 8%. On any subsequent anniversaries, the rider credit equals the CB as of the prior rider anniversary multiplied by 6%. On the first anniversary the BB and WAB will be set to the greater of the current BB, or the BB 180 days following the contract date increased by the rider credit and any additional purchase payments since 180 days following the rider effective date. On any subsequent rider credit dates the BB and WAB will be set to the greater of the current BB, or the BB on the prior anniversary increased by the rider credit and any additional purchase payments since the prior anniversary. If the CB is greater than zero, the CB will be permanently reset to zero on the 10^th rider anniversary after any adjustment to the WAB and BB, and there will be no additional rider credits.


•	Annual step ups: Beginning with the first rider anniversary, an annual step-up may be available. If you decline any rider fee increase, future annual step-ups will no longer be available.

The annual step-up will be executed on any rider anniversary where the contract value (after charges are deducted) is greater than the PBG or the BB after any rider credit is added. If an annual step-up is executed, the PBG, BB and lifetime payment percentage will be adjusted as follows: The PBG will be increased to the contract value, if the contract value is greater. The BB (after any rider credit is added) will be increased to the contract value, if the contract value is greater. If the covered person’s attained age (Joint Life: younger covered spouses attained age) on the rider anniversary is in a higher age band and (1) there is an increase to BB due to a step-up or (2) the BB is at the maximum of $10,000,000 so there was no step-up of the BB, then the higher age band will be used to determine the appropriate lifetime payment percentage, regardless of any prior withdrawals.

OTHER PROVISIONS

Required Minimum Distributions (RMD): If you are taking RMDs from your contract and your RMD calculated separately for your contract is greater than the remaining annual lifetime payment on the most recent contract anniversary, the portion of


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your RMD that exceeds the benefit amount will not be subject to excess withdrawal processing provided that the following conditions are met:


•	The annual lifetime payment is established;

•	The RMD is for your contract alone;

•	The RMD is based on your recalculated life expectancy taken from the Uniform Lifetime Table under the Code; and

•	The RMD amount is otherwise based on the requirements of section 401(a) (9), related Code provisions and regulations thereunder that were in effect on the contract date.

RMD rules follow the calendar year which most likely does not coincide with your contract year and therefore may limit when you can take your RMD and not be subject to excess withdrawal processing. If any withdrawal is taken in the waiting period, including RMDs, Percentage B for the applicable age band will be used as long as rider benefits are payable. Any withdrawals taken before the annual lifetime payment is established or withdrawing amounts greater than the remaining annual lifetime payment that do not meet these conditions will result in excess withdrawal processing. The amount in excess of the RALP that is not subject to excess withdrawal processing will be recalculated if the ALP changes due to a lifetime payment percentage changes. See Appendix F for additional information.

Spousal Option to Continue the Contract upon Owner’s Death (Spousal Continuation):

Joint Life: If a surviving spouse is a covered spouse and elects the spousal continuation provision of the contract as the new owner, the SecureSource Stages 2 — Joint Life rider also continues. The surviving covered spouse can name a new beneficiary; however, a new covered spouse cannot be added to the rider.

Unless you decline a rider fee increase, at the time of spousal continuation, a step-up may be available. All annual step-up rules (see “Rider Anniversary Processing — Annual Step-Up” heading above) also apply to the spousal continuation step-up except that the RALP will be reduced for any prior withdrawals in that contract year. The WAB, if greater than zero, will be increased to the contract value if the contract value is greater. The spousal continuation step-up is processed on the valuation date spousal continuation is effective.

Rules for Surrender: Minimum contract values following surrender no longer apply to your contract. For withdrawals, the withdrawal will be taken from all accounts and the variable subaccounts in the same proportion as your interest in each bears to the contract value. You cannot specify from which accounts the withdrawal is to be taken.

If your contract value is reduced to zero, the CB, if greater than zero, will be permanently reset to zero, and there will be no additional rider credits. Also, the following will occur:


•	If the ALP is not established and if the contract value is reduced to zero as a result of fees or charges, then the owner must wait until the ALP would be established, and the ALP will be paid annually until the death of the covered person (*Joint Life:* both covered spouses).

•	If the ALP is established and if the contract value is reduced to zero as a result of fees or charges, or as a result of a withdrawal that is less than or equal to the RALP, then the owner will receive the ALP paid annually until the death of the covered person (*Joint Life:* both covered spouses).

In either case above:


	–	These annualized amounts will be paid in monthly installments. If the monthly payment is less than $100, We have the right to change the frequency, but no less frequently than annually.


	–	We will no longer accept additional purchase payments.


	–	No more charges will be collected for the rider.


	–	The current ALP is fixed for as long as payments are made.


	–	The death benefit becomes the remaining schedule of annual lifetime payments, if any, until total payments to the owner and the beneficiary are equal to the PBG at the time the contract value falls to zero.


	–	The amount paid in the current contract year will be reduced for any prior withdrawals in that contract year.


•	If the ALP is not established and if the contract value is reduced to zero as a result of a withdrawal, this rider and the contract will terminate.

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•	If the ALP is established and if the contract value is reduced to zero as a result of a withdrawal that is greater than the RALP, this rider and the contract will terminate.

At Death:

Joint Life: If the death benefit becomes payable at the death of a covered spouse, the surviving covered spouse must utilize the spousal continuation option to continue the lifetime benefit. If spousal continuation is not available, the rider terminates. The lifetime benefit ends at the death of the surviving covered spouse.

If the contract value is greater than zero when the death benefit becomes payable, the beneficiary may:


•	elect to take the death benefit under the terms of the contract, or

•	elect to take the principal back guarantee available under this rider, or

•	continue the contract and the SecureSource Stages 2 — Joint Life rider under the spousal continuation option.

•	For single and joint life, if the beneficiary elects the principal back guarantee under this rider, the following will occur:


	1.	If the PBG is greater than zero and the ALP is established, the ALP on the date of death will be paid until total payments to the beneficiary are equal to the PBG on the date of death.

	2.	If the PBG is greater than zero and the ALP is not established, the BB on the date of death multiplied by the lifetime payment percentage used for the youngest age in the first age band will be paid annually until total payments to the beneficiary are equal to the PBG on the date of death.


•	In either of the above cases:

•	After the date of death, there will be no additional rider credits or annual step-ups.

•	The lifetime payment percentage used will be set as of the date of death.

•	The amount paid in the current contract year will be reduced for any prior withdrawals in that year.


	3.	On the date of death (*Joint life:* remaining covered spouse’s date of death), if the CB is greater than zero, the CB will be permanently reset to zero, and there will be no additional rider credits.

	4.	If the PBG equals zero, the benefit terminates. No further payments are made.

Contract Ownership Change:

Assignment: If allowed by state law, an assignment is subject to our approval.

Annuity Provisions: If your annuitization start date is the maximum annuitization start date, you can choose one of the payout options available under the contract or an alternative fixed annuity payout option available under the SecureSource Stages 2 rider. Under the rider’s payout option, the minimum amount payable shown in Table B, will not apply and you will receive the annual lifetime payment provided by this rider until the later of the death of the covered person (Joint Life: both covered spouses) or depletion of the principal back guarantee. If you choose to receive the ALP, the amount payable each year will be equal to the annual lifetime payment on the annuitization start date. The amount paid in the current contract year will be reduced for any prior withdrawals in that year. These annualized amounts will be paid in monthly installments. If the monthly payment is less than $100, we have the right to change the frequency, but no less frequently than annually.

If you choose to receive the ALP rather than a payout option available under the contract, all other contract features, rider features and charges terminate after the annuitization start date except for the PBG.

RIDER TERMINATION

The SecureSource Stages 2 rider cannot be terminated either by you or us except as follows:


•	*Single Life:* a change of ownership that would result in a different covered person will terminate the rider.

•	*Single Life:* after the death benefit is payable, the rider will terminate.

•	*Single Life:* spousal continuation will terminate the rider.


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•	*Joint Life:* After the death benefit is payable the rider will terminate if anyone other than a covered spouse continues the contract. However, if the covered spouse continues the contract as an inherited IRA or as a beneficiary of a participant in an employer sponsored retirement plan, the rider will terminate.

•	On the annuitization start date, the rider will terminate.

•	You may terminate the rider if your annual rider fee after any increase is more than 0.25 percentage points higher than your fee before the increase. (See “Charges — SecureSource Stages 2 rider charge”).

•	When the contract value is zero and either the annual lifetime payment is not established or a withdrawal in excess of the remaining annual lifetime payment is taken, the rider will terminate.

•	Termination of the contract for any reason will terminate the rider.

For an example, see Appendix E.

ACCUMULATION PROTECTOR BENEFIT RIDER

Please note that this rider is not available for sale for contract applications signed on or after Feb. 27, 2012.

The Accumulation Protector Benefit rider is an optional benefit that you may select for an additional charge. It is available for nonqualified annuities and qualified annuities. The Accumulation Protector Benefit rider specifies a waiting period that ends on the benefit date. The current waiting period is 10 years. The Accumulation Protector Benefit rider provides a one-time adjustment to your contract value on the benefit date if your contract value is less than the Minimum Contract Accumulation Value (defined below) on that benefit date. On the benefit date, if the contract value is equal to or greater than the Minimum Contract Accumulation Value, as determined under the Accumulation Protector Benefit rider, the Accumulation Protector Benefit rider ends without value and no benefit is payable.

If the contract value falls to zero as the result of adverse market performance or the deduction of fees and/or charges at any time during the waiting period and before the benefit date, the contract and all riders, including the Accumulation Protector Benefit rider will terminate without value and no benefits will be paid. Exception: if you are still living on the benefit date, we will pay you an amount equal to the Minimum Contract Accumulation Value as determined under the Accumulation Protector Benefit rider on the valuation date your contract value reached zero.

If you are age 80 or younger at contract issue and this rider is available in your state, you may elect the Accumulation Protector Benefit rider at the time you purchase your contract and the rider effective date will be the contract issue date. The Accumulation Protector Benefit rider may not be terminated once you have elected it except as described in the “Terminating the Rider” section below. An additional charge for the Accumulation Protector Benefit rider will be assessed annually during the waiting period. The rider ends when the waiting period expires, no further benefit will be payable, and no further charges for the rider will be deducted.

After the waiting period, you have the following options:


•	Continue your contract;

•	Take partial surrenders or make a full surrender; or

•	Annuitize your contract.

The Accumulation Protector Benefit rider may not be purchased with the optional SecureSource Stages 2 rider.

You should consider whether an Accumulation Protector Benefit rider is appropriate for you because:

•

you must invest in one of the approved investment options. This requirement limits your choice of investments. This means you will not be able to allocate contract value to all of the subaccounts, GPAs or the regular fixed account that are available under the contract to other contract owners who do not elect this rider. You may allocate qualifying purchase payments to the Special DCA fixed account, when available (see “The Special DCA Fixed Account”), and we will make monthly transfers into the investment option you have chosen. (See “Making the Most of Your Contract — Portfolio Navigator Program and Portfolio Stabilizer Funds”);


•	you may not make additional purchase payments to your contract during the waiting period after the first 180 days immediately following the effective date of the Accumulation Protector Benefit rider. Some exceptions apply (see “Additional Purchase Payments with Elective Step Up” below) In addition, we reserve the right to change these additional purchase payment limits, including making further restrictions, upon written notice;

•	if you purchase this contract as a qualified annuity, for example, an IRA, you may need to take partial surrenders from your contract to satisfy the RMDs under the Code. Partial surrenders, including those used to satisfy RMDs, will reduce any potential benefit that the Accumulation Protector Benefit rider provides. You should consult your tax advisor if you have any questions about the use of this rider in your tax situation;

•	if you think you may surrender all of your contract value before you have held your contract with this benefit rider attached for 10 years, or you are considering selecting an annuity payout option within 10 years of the effective date of your contract, you should consider whether this optional benefit is right for you. You must hold the contract a minimum of

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10 years from the effective date of the Accumulation Protector Benefit rider, which is the length of the waiting period under the Accumulation Protector Benefit rider, in order to receive the benefit, if any, provided by the Accumulation Protector Benefit rider. In some cases, as described below, you may need to hold the contract longer than 10 years in order to qualify for any benefit the Accumulation Protector Benefit rider may provide;


•	the 10 year waiting period under the Accumulation Protector Benefit rider will restart if you exercise the elective step-up option (described below) or your surviving spouse exercises the spousal continuation elective step-up (described below); and

•	the 10 year waiting period under the Accumulation Protector Benefit rider may be restarted if you elect to change your investment option to one that causes the Accumulation Protector Benefit rider fee to increase (see “Waiting Period” below).

Be sure to discuss with your financial advisor whether an Accumulation Protector Benefit rider is appropriate for your situation.

Here are some general terms that are used to describe the operation of the Accumulation Protector Benefit:

Benefit Date: This is the first valuation date immediately following the expiration of the waiting period.

Minimum Contract Accumulation Value (MCAV): An amount calculated under the Accumulation Protector Benefit rider. The contract value will be increased to equal the MCAV on the benefit date if the contract value on the benefit date is less than the MCAV on the benefit date.

Adjustments for Partial Surrenders: The adjustment made for each partial surrender from the contract is equal to the amount derived from multiplying (a) and (b) where:


	(a)	is 1 minus the ratio of the contract value on the date of (but immediately after) the partial surrender to the contract value on the date of (but immediately prior to) the partial surrender; and


	(b)	is the MCAV on the date of (but immediately prior to) the partial surrender.

Waiting Period: The waiting period for the rider is 10 years.

We reserve the right to restart the waiting period on the latest contract anniversary if you change your investment option after we have exercised our rights to increase the rider fee. Waiting period will restart upon elective step ups and spousal continuation step ups.

Your initial MCAV is equal to your initial purchase payment. It is increased by the amount of any subsequent purchase payments received within the first 180 days that the rider is effective. It is reduced by any adjustments for partial surrenders made during the waiting period.

Automatic Step Up

On each contract anniversary after the effective date of the rider, the MCAV will be set to the greater of:


	1.	80% of the contract value on the contract anniversary (after charges are deducted); or

	2.	the MCAV immediately prior to the automatic step up.

The automatic step up does not create contract value, guarantee the performance of any investment option, or provide a benefit that can be surrendered or paid upon death. Rather, the automatic step up is an interim calculation used to arrive at the final MCAV, which is used to determine whether a benefit will be paid under the rider on the benefit date.

The automatic step up of the MCAV does not restart the waiting period or increase the fee (although the total charge for the rider may increase).

Elective Step Up Option

Within thirty days following each contract anniversary after the rider effective date, but prior to the benefit date, you may notify us in writing that you wish to exercise the annual elective step up option. You may exercise this elective step up option only once per contract year during this 30 day period. If your contract value (after charges are deducted) on the valuation date we receive your written request to step up is greater than the MCAV on that date, your MCAV will increase to 100% of that contract value.

We may increase the fee for your rider (see “Charges — Accumulation Protector Benefit Rider Charge”). The revised fee would apply to your rider if you exercise the annual elective step up, your MCAV is increased as a result, and the revised fee is higher than your annual rider fee before the elective step up. Elective step ups will also result in a restart of the waiting period as of the most recent contract anniversary.


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The elective step up option is not available to non-spouse beneficiaries that continue the contract during the waiting period.

The elective step up option is not available for inherited IRAs or if the benefit date would be after the annuitization start date.

Additional Purchase Payments with Annual Elective Step Ups

If your MCAV is increased as a result of Elective Step Up, you have 180 days from the latest contract anniversary to make additional purchase payments, if allowed under the base contract. The MCAV will include the amount of any additional purchase payments received during this period.

Spousal Continuation

If a spouse chooses to continue the contract under the spousal continuation provision, the rider will continue as part of the contract. Once, within the thirty days following the date of spousal continuation, the spouse may choose to exercise an elective step up. The spousal continuation elective step up is in addition to the annual elective step up. If the contract value on the valuation date we receive the written request to exercise this option is greater than the MCAV on that date, we will increase the MCAV to that contract value. If the MCAV is increased as a result of the elective step up and we have increased the fee for the Accumulation Protector Benefit rider, you will pay the fee that is in effect on the valuation date we receive their written request to step up. In addition, the waiting period will restart as of the most recent contract anniversary.

Change of Ownership or Assignment

Subject to state limitations, a change of ownership or assignment is subject to our approval.

Terminating the Rider

The rider will terminate under the following conditions:

The rider will terminate before the benefit date without paying a benefit on the date:


•	you take a full surrender;

•	on the annuitization start date;

•	the contract terminates as a result of the death benefit being paid; or

•	when a beneficiary elects an alternative payment plan which is an inherited IRA.

The rider will terminate on the benefit date.

For an example, see Appendix E.

The Annuity Payout Period

As owner of the contract, you have the right to decide how and to whom annuity payouts will be made starting on the annuitization start date. You may select one of the annuity payout plans outlined below, or we may mutually agree on other payout arrangements. We do not deduct any surrender charges under the payout plans listed below except under annuity payout Plan E (See “Charges — Surrender charge under Annuity Payout Plan E”).

You also decide whether we will make annuity payouts on a fixed or variable basis, or a combination of fixed and variable. The amount available to purchase payouts under the plan you select is the contract value on your annuitization start date after any rider charges have been deducted, plus any positive or negative MVA(less any applicable premium tax). Additionally, we currently allow you to use part of the amount available to purchase payouts, leaving any remaining contract value to accumulate on a tax-deferred basis. Special rules apply for partial annuitization of your annuity contract, see “Taxes — Nonqualified Annuities — Annuity payouts” and “Taxes — Qualified Annuities — Annuity payouts.” If you select a variable annuity payout, we reserve the right to limit the number of subaccounts in which you may invest. The GPAs and the Special DCA fixed account are not available during this payout period.

Amounts of fixed and variable payouts depend on:


•	the annuity payout plan you select;

•	the annuitant’s age and, in most cases, sex;

•	the annuity table in the contract; and

•	the amounts you allocated to the accounts at settlement.

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For information with respect to transfers between accounts after annuity payouts begin, see “Making the Most of Your Contract — Transfer policies.”

ANNUITY TABLES

Table A shows the amount of the first monthly variable payout assuming that the contract value is invested at the beginning of the annuity payout period and earns a 5% rate of return, which is reinvested and helps to support future payouts. If you ask us at least 30 days before the annuitization start date, we will substitute an annuity Table based on an assumed 3.5% investment return for the 5% Table A in the contract. The assumed investment return affects both the amount of the first payout and the extent to which subsequent payouts increase or decrease. For example, annuity payouts will increase if the investment return is above the assumed investment return and payouts will decrease if the return is below the assumed investment return. Using the 5% assumed interest return results in a higher initial payout but later payouts will increase more slowly when annuity unit values rise and decrease more rapidly when they decline.

Table B shows the minimum amount of each fixed payout. We declare current payout rates that we use in determining the actual amount of your fixed annuity payout. The current payout rates will equal or exceed the guaranteed payout rates shown in Table B. We will furnish these rates to you upon request.

ANNUITY PAYOUT PLANS

You may choose any one of these annuity payout plans by giving us written instructions at least 30 days before the annuitization start date.


•	Plan A: Life annuity — no refund: We make monthly payouts until the annuitant’s death. Payouts end with the last payout before the annuitant’s death. We will not make any further payouts. This means that if the annuitant dies after we made only one monthly payout, we will not make any more payouts.

•	Plan B: Life annuity with five, ten, 15, or 20 years certain: We make monthly payouts for a guaranteed payout period of five, ten, 15, or 20 years that you elect. This election will determine the length of the payout period to the beneficiary if the annuitant should die before the elected period expires. We calculate the guaranteed payout period from the annuitization start date. If the annuitant outlives the elected guaranteed payout period, we will continue to make payouts until the annuitant’s death.

•	Plan C: Life annuity — installment refund: We make monthly payouts until the annuitant’s death, with our guarantee that payouts will continue for some period of time. We will make payouts for at least the number of months determined by dividing the amount applied under this option by the first monthly payout, whether or not the annuitant is living.

•	Plan D: Joint and last survivor life annuity — no refund: We make monthly payouts while both the annuitant and a joint annuitant are living. If either annuitant dies, we will continue to make monthly payouts at the full amount until the death of the surviving annuitant. Payouts end with the death of the second annuitant.

•

Plan E: Payouts for a specified period: We make monthly payouts for a specific payout period of ten to 30 years that you elect. We will make payouts only for the number of years specified whether the annuitant is living or not. Depending on the selected time period, it is foreseeable that the annuitant can outlive the payout period selected. During the payout period, you can elect to have us determine the present value of any remaining variable payouts and pay it to you in a lump sum. We determine the present value of the remaining annuity payouts which are assumed to remain level at the amount of the payout that would have been made 7 days prior to the date we determine the present value. The discount rate we use in the calculation is 5.17% for the assumed investment return of 3.5% and 6.67% for the assumed investment return of 5%. (See “Charges — Surrender charge under Annuity Payout Plan E.”) A 10% IRS penalty tax could apply to the taxable portion if you take a surrender. (See “Taxes.”)

Annuity payout plan requirements for qualified annuities: If your contract is a qualified annuity, you have the responsibility for electing a payout plan under your contract that complies with applicable law. Your contract describes your payout plan options. The options will meet certain IRS regulations governing RMDs if the payout plan meets the incidental distribution benefit requirements, if any, and the payouts are made:


•	in equal or substantially equal payments over a period not longer than your life expectancy or over the joint life expectancy of you and your designated beneficiary; or


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•	over a period certain not longer than your life expectancy or over the life expectancy of you and your designated beneficiary.

For qualified and nonqualified contracts with the SecureSource Stages 2 rider, if your annuitization start date is the maximum annuitization start date, you can choose one of the payout options available under the contract or an alternative fixed annuity payout option available under the rider. Under the rider’s payout option, the minimum amount payable shown in Table B will not apply, and you will receive the ALP provided by this rider until the later of the death of covered person (Joint Life: both covered spouses) or depletion of the PBG. If you choose to receive the ALP, the amount payable each year will be equal to the ALP on the annuitization start date. The amount paid in the current contract year will be reduced for any prior withdrawals in that year. These annualized amounts will be paid in monthly installments. If the monthly payment is less than $100, we have the right to change the frequency, but no less frequently than annually. If you choose to receive the ALP rather than a payout option available under the contract, all other contract features, rider features and charges terminate after the annuitization start date except for the principal back guarantee.

You must select a payout plan as of the annuitization start date set forth in your contract.

If we do not receive instructions: You must give us written instructions for the annuity payouts at least 30 days before the annuitization start date. If you do not, we will make payouts under Plan B, with 120 monthly payouts guaranteed.

If monthly payouts would be less than $20: We will calculate the amount of monthly payouts at the time amounts are applied to a payout plan. If the calculations show that monthly payouts would be less than $20, we have the right to pay the amount that would otherwise have been applied to a plan to the owner in a lump sum or to change the frequency of the payouts.

Death after annuity payouts begin: If you die after annuity payouts begin, we will pay any amount payable to the beneficiary as provided in the annuity payout plan in effect.

Taxes

NONQUALIFIED ANNUITIES

Surrenders: Generally, if you surrender all or part of your nonqualified annuity before the annuitization start date, including surrenders under any optional withdrawal benefit rider, your surrender will be taxed to the extent that the contract value immediately before the surrender exceeds the investment in the contract. Application of surrender charges may alter the manner in which we tax report the surrender. Different rules may apply if you exchange another contract into this contract.

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You also may have to pay a 10% IRS penalty for surrenders of taxable income you make before reaching age 591/2 unless certain exceptions apply.

The federal income tax withholding requirements differ if we deliver payment outside the United States or you are a non-resident alien.

Death benefits to beneficiaries: The death benefit under a nonqualified contract is not exempt from estate (federal or state) taxes. In addition, for income tax purposes, any amount your beneficiary receives that exceeds the remaining investment in the contract is taxable as ordinary income to the beneficiary in the year he or she receives the payments. (See “Benefits in Case of Death — If You Die Before the Annuitization Start Date”).


•	because of your death or in the event of nonnatural ownership, the death of the annuitant;

•	because you become disabled (as defined in the Code);

•	if the distribution is part of a series of substantially equal periodic payments, made at least annually, over your life or life expectancy (or joint lives or life expectancies of you and your beneficiary);

•	if it is allocable to an investment before Aug. 14, 1982; or

•	if annuity payouts are made under immediate annuities as defined by the Code.

Transfer of ownership: Generally, if you transfer ownership of a nonqualified annuity without receiving adequate consideration, the transfer may be taxed as a surrender for federal income tax purposes. If the transfer is a currently taxable event for income tax purposes, the original owner will be taxed on the amount of deferred earnings at the time of the transfer and also may be subject to the 10% IRS penalty discussed earlier. In this case, the new owner’s investment in the contract will be equal to the investment in the contract at the time of the transfer plus any earnings included in the original owner’s taxable income as a result of the transfer. In general, this rule does not apply to transfers between spouses or former spouses. Similar rules apply if you transfer ownership for a full consideration. Please consult your tax advisor for further details.


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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 or qualified long-term care insurance contract. However, if the life insurance policy has an outstanding loan, there may be tax consequences. 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 contract.

QUALIFIED ANNUITIES

Annuity payouts: Under a qualified annuity, except a Roth IRA, the entire payout generally is includable as ordinary income and is subject to tax unless: (1) the contract is an IRA to which you made non-deductible contributions; or (2) you rolled after-tax dollars from a retirement plan into your IRA; or (3) the contract is used to fund a retirement plan and you or your employer have contributed after-tax dollars. We may permit partial annuitizations of qualified annuity contracts. If we accept partial annuitizations, please remember that your contract will still need to comply with other requirements such as required minimum distributions and the payment of taxes. Prior to considering a partial annuitization on a qualified contract, you should discuss your decision and any implications with your tax adviser. Because we cannot accurately track certain after tax funding sources, we will generally report any payments on partial annuitizations as ordinary income except in the case of a qualified distribution from a Roth IRA.

Annuity payouts from Roth IRAs: In general, the entire payout from a Roth IRA can be free from income and penalty taxes if you have attained age 591/2 and meet the five year holding period.

Surrenders: Under a qualified annuity, except a Roth IRA, the entire surrender will generally be includable as ordinary income and is subject to tax unless: (1) the contract is an IRA to which you made non-deductible contributions; or (2) you rolled after-tax dollars from a retirement plan into your IRA; or (3) the contract is used to fund a retirement plan and you or your employer have contributed after-tax dollars.

Surrenders from Roth IRAs: In general, the entire payout from a Roth IRA can be free from income and penalty taxes if you have attained age 591/2 and meet the five year holding period.

Required Minimum Distributions: Retirement plans (except for Roth IRAs) are subject to required surrenders called required minimum distributions (“RMDs”) beginning at age 701/2. RMDs are based on the fair market value of your contract at year-end divided by the life expectancy factor. Certain death benefits and optional riders may be considered in determining the fair market value of your contract for RMD purposes. This may cause your RMD to be higher. You should consult your tax advisor prior to making a purchase for an explanation of the potential tax implications to you. Inherited IRAs (including inherited Roth IRAs) are subject to special required minimum distribution rules.

Withholding for IRAs, Roth IRAs and SEPs: If you receive taxable income as a result of an annuity payout or a surrender, including surrenders under any optional withdrawal benefit rider, we may deduct withholding against the payment. Any withholding represents a prepayment of your tax due for the year. You take credit for these amounts on your annual income tax return. As long as you have provided us with a valid Social Security Number or Taxpayer Identification Number, you can elect not to have any withholding occur.

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If the payment is part of an annuity payout plan, we generally compute the amount of federal income tax withholding using payroll tables. You may provide us with a statement of how many exemptions to use in calculating the withholding. If the distribution is any other type of payment (such as a partial or full surrender) we compute federal income tax withholding using 10% of the taxable portion.

The federal income tax withholding requirements differ if we deliver payment outside the United States or you are a non-resident alien.


•	the payout is one in a series of substantially equal periodic payouts, made at least annually, over your life or life expectancy (or the joint lives or life expectancies of you and your designated beneficiary) or over a specified period of 10 years or more;

•	the payout is a RMD as defined under the Code;

•	the payout is made on account of an eligible hardship; or

•	the payout is a corrective distribution.

State withholding also may be imposed on taxable distributions.


•	because of your death;

•	because you become disabled (as defined in the Code);

•	if the distribution is part of a series of substantially equal periodic payments made at least annually, over your life or life expectancy (or joint lives or life expectancies of you and your beneficiary);

•	to pay certain medical or education expenses (IRAs only); or

•	if the distribution is made from an inherited IRA.

Death benefits to beneficiaries: The entire death benefit generally is taxable as ordinary income to the beneficiary in the year he/she receives the payments from the qualified annuity. If you made non-deductible contributions to a traditional IRA, the portion of any distribution from the contract that represents after-tax contributions is not taxable as ordinary income to your beneficiary. You are responsible for keeping all records tracking your non-deductible contributions to an IRA. Death benefits under a Roth IRA generally are not taxable as ordinary income to the beneficiary if certain distribution requirements are met. (See “Benefits in Case of Death — If You Die Before the Annuitization Start Date”).

Assignment: You may not assign or pledge your qualified contract as collateral for a loan.

OTHER


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We reserve the right to report charges for these riders as partial surrenders if we, as a withholding and reporting agent, believe that we are required to report them. In addition, we will report any benefits attributable to these riders on your death as an annuity death benefit distribution, not as proceeds from life insurance.

If you have any questions as to the status of your relationship as a marriage, then you should consult an appropriate tax or legal advisor.

Voting Rights

Before annuity payouts begin, the number of votes you have is determined by applying your percentage interest in each subaccount to the total number of votes allowed to the subaccount.

After annuity payouts begin, the number of votes you have is equal to:


•	the reserve held in each subaccount for your contract; divided by

•	the net asset value of one share of the applicable fund.

As we make annuity payouts, the reserve for the contract decreases; therefore, the number of votes also will decrease.

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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 no longer the most suitable) for the subaccounts.

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. If we notify you that a subaccount will be eliminated or closed, you will have a certain period of time to tell us where to reallocate purchase payments or contract value currently allocated to that subaccount. If we do not receive your reallocation instructions by the due date, we automatically will reallocate to the subaccount investing in the Columbia Variable Portfolio — Cash Management Fund. You may then transfer this reallocated amount in accordance with the transfer provisions of your contract (see “Transferring Between Accounts” above).

About the Service Providers

PRINCIPAL UNDERWRITER

RiverSource Distributors, Inc. (RiverSource Distributors), our affiliate, serves as the principal underwriter and general distributor of the contract. Its offices are located at 829 Ameriprise Financial Center, Minneapolis, MN 55474. RiverSource Distributors is a wholly-owned subsidiary of Ameriprise Financial, Inc.

Sales of the Contract


•	Only securities broker-dealers (“selling firms”) registered with the SEC and members of the FINRA may sell the contract.

•	The contracts 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 contracts to the public. RiverSource Distributors pays the selling firm (or an affiliated insurance agency) for contracts its financial advisors sell. The selling firm may be required to return sales commissions under certain circumstances including but not limited to when contracts are returned under the free look period.

Payments to Selling Firms


•	We may use compensation plans which vary by selling firm. For example, some of these plans pay selling firms a commission of up to 7.50% each time you make a purchase payment. We may also pay ongoing trail commissions of up to 1.25% of the contract value. We do not pay or withhold payment of commissions based on which investment options you select.

•	We may pay selling firms a temporary additional sales commission of up to 1% of purchase payments for a period of time we select. For example, we may offer to pay a temporary additional sales commission to get selling firms to market a new or enhanced contract or to increase sales during the period.

•	In addition to commissions, we may, in order to promote sales of the contracts, 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 financial advisors, including subsidy of travel, meal, lodging, entertainment and other expenses related to these meetings;


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•	marketing support related to sales of the contract including for example, the creation of marketing materials, advertising and newsletters;

•	providing service to contract owners; and

•	funding other events sponsored by a selling firm that may encourage the selling firm’s financial advisors to sell the contract.

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 contract, and/or may be a fixed dollar amount. As noted below this additional compensation may cause the selling firm and its financial advisors to favor the contracts.

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 contract (see “Expense Summary”);

•	compensation we or an affiliate receive from the underlying funds in the form of distribution and services fees (see “The Variable Account and the Funds — The funds”);

•	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.


•	fees and expenses we collect from contract 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 contract offered in this prospectus over another investment with lower compensation to the selling firm.

•	cause selling firms to encourage their financial advisors to sell you the contract offered in this prospectus instead of selling you other alternative investments that may result in lower compensation to the selling firm.

•	cause selling firms to grant us access to its financial advisors to promote sales of the contract offered in this prospectus, while denying that access to other firms offering similar contracts or other alternative investments which may pay lower compensation to the selling firm.

Payments to Financial Advisors


•	The selling firm pays its financial advisors. The selling firm decides the compensation and benefits it will pay its financial advisors.

•	To inform yourself of any potential conflicts of interest, ask your financial advisor before you buy how the selling firm and its financial advisors are being compensated and the amount of the compensation that each will receive if you buy the contract.

ISSUER

We issue the contracts. We are a stock life insurance company organized in 1957 under the laws of the state of Minnesota and are located at 829 Ameriprise Financial Center, Minneapolis, MN 55474. We are a wholly-owned subsidiary of Ameriprise Financial, Inc.

LEGAL PROCEEDINGS

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(including inquiries from the State of Minnesota and a multistate insurance department examination). RiverSource Life has cooperated and will continue to cooperate with the applicable regulators regarding their inquiries.

Additional Information

INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE

AVAILABLE INFORMATION

This prospectus is part of a registration statement we file with the SEC. Additional information on RiverSource Life and on this offering is available in the registration statement and other materials we file. You can obtain copies of these materials at the SEC’s Public Reference Room at 100 F Street, N.E., Washington, D.C. 20549. You can obtain information on the operation of the Public Reference Room by calling the SEC at 1-800-SEC-0330. The SEC also maintains an Internet site that contains reports, proxy and information statements and other information regarding issuers that file electronically with the SEC. This prospectus, other information about the contract and other information incorporated by reference are available on the EDGAR Database on the SEC’s Internet site at (http://www.sec.gov).

INDEMNIFICATION


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Appendix A: The Funds


Investing In	Investment Objective and Policies	Investment Adviser
AllianceBernstein VPS Dynamic Asset Allocation Portfolio (Class B)	Seeks to maximize total return consistent with AllianceBernstein’s determination of reasonable risk.	AllianceBernstein L.P.

AllianceBernstein VPS Large Cap Growth Portfolio (Class B)	Seeks long-term growth of capital.	AllianceBernstein L.P.

ALPS/Alerian Energy Infrastructure Portfolio: Class III	Seeks investment results that correspond (before fees and expenses) generally to the price and yield performance of its underlying index.	ALPS Advisors, Inc.

American Century VP Value, Class II	Seeks long-term capital growth. Income is a secondary objective.	American Century Investment Management, Inc.

BlackRock Global Allocation V.I. Fund (Class III)	Seeks high total investment return.	BlackRock Advisors, LLC, adviser; BlackRock Investment Management, LLC and BlackRock International Limited, sub-advisers.

Columbia Variable Portfolio – Balanced Fund (Class 3)	Seeks maximum total investment return through a combination of capital growth and current income.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Cash Management Fund (Class 2)	Seeks maximum current income consistent with liquidity and stability of principal.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Commodity Strategy Fund (Class 2)	Seeks to provide shareholders with total return.	Columbia Management Investment Advisers, LLC, adviser; Threadneedle International Limited, an indirect wholly-owned subsidiary of Ameriprise Financial, subadviser.

Columbia Variable Portfolio – Contrarian Core Fund (Class 2)	Seeks total return, consisting of long-term capital appreciation and current income.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Core Bond Fund (Class 2)	Seeks total return, consisting of current income and capital appreciation.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Diversified Bond Fund (Class 2)	Seeks high level of current income while attempting to conserve the value of the investment for the longest period of time.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Dividend Opportunity Fund (Class 2)	Seeks high level of current income and, as a secondary goal, steady growth of capital.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2)	Seeks to provide shareholders with high total return through current income and, secondarily, through capital appreciation.	Columbia Management Investment Advisers, LLC

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Investing In	Investment Objective and Policies	Investment Adviser
Columbia Variable Portfolio – Emerging Markets Fund (Class 2)	Seeks long-term capital growth.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Global Bond Fund (Class 2)	Non-diversified fund that seeks high total return through income and growth of capital.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – High Yield Bond Fund (Class 2)	Seeks high current income as its primary objective and, as its secondary objective, capital growth.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Income Opportunities Fund (Class 2)	Seeks high total return through current income and capital appreciation.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – International Opportunity Fund (Class 2)	Seeks capital appreciation.	Columbia Management Investment Advisers, LLC, adviser; Threadneedle International Limited, an indirect wholly-owned subsidiary of Ameriprise Financial, subadviser.

Columbia Variable Portfolio – Large Cap Growth Fund (Class 2)	Seeks long-term capital growth.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Large Core Quantitative Fund (Class 2)	Seeks capital appreciation.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Limited Duration Credit Fund (Class 2)	Seeks level of current income consistent with preservation of capital.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Managed Volatility Conservative Fund (Class 2) (Prior to 6/30/14 offered only for contracts with living benefit riders. Effective 6/30/14 offered for all contracts.)	Pursues total return while seeking to manage the Fund’s exposure to equity market volatility.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2) (Prior to 6/30/14 offered only for contracts with living benefit riders. Effective 6/30/14 offered for all contracts.)	Pursues total return while seeking to manage the Fund’s exposure to equity market volatility.	Columbia Management Investment Advisers, LLC


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Investing In	Investment Objective and Policies	Investment Adviser
Columbia Variable Portfolio – Managed Volatility Growth Fund (Class 2) (Prior to 6/30/14 offered only for contracts with living benefit riders. Effective 6/30/14 offered for all contracts.)	Pursues total return while seeking to manage the Fund’s exposure to equity market volatility.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Managed Volatility Moderate Growth Fund (Class 2) (Prior to 6/30/14 offered only for contracts with living benefit riders. Effective 6/30/14 offered for all contracts.)	Pursues total return while seeking to manage the Fund’s exposure to equity market volatility.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Marsico International Opportunities Fund (Class 2)	Seeks long-term growth of capital.	Columbia Management Investment Advisers, LLC, adviser; Marsico Capital Management, LLC, subadviser.

Columbia Variable Portfolio – Mid Cap Growth Opportunity Fund (Class 2)	Seeks growth of capital.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Mid Cap Value Opportunity Fund (Class 2)	Seeks long-term growth of capital.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Multi-Strategy Alternatives Fund (Class 2) (previously Variable Portfolio – Eaton Vance Global Macro Advantage Fund (Class 2))	Seeks total return, consisting of current income and capital appreciation.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – S&P 500 Index Fund (Class 3)	Seeks long-term capital appreciation.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Select Large-Cap Value Fund (Class 2)	Seeks long-term growth of capital.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Select Smaller-Cap Value Fund (Class 2)	Seeks long-term capital growth.	Columbia Management Investment Advisers, LLC

Columbia Variable Portfolio – Strategic Income Fund (Class 2)	Seeks total return, consisting of current income and capital appreciation.	Columbia Management Investment Advisers, LLC

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Investing In	Investment Objective and Policies	Investment Adviser
Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 2)	Seeks current income as its primary objective and, as its secondary objective, preservation of capital.	Columbia Management Investment Advisers, LLC

DWS Alternative Asset Allocation VIP, Class B	Seeks capital appreciation.	Deutsche Investment Management Americas Inc., adviser; QS Investors, LLC and RREEF America L.L.C., sub-advisers.

Fidelity^® VIP Contrafund^® Portfolio Service Class 2	Seeks long-term capital appreciation. Normally invests primarily in common stocks. Invests in securities of companies whose value FMR believes is not fully recognized by the public. Invests in either “growth” stocks or “value” stocks or both. The fund invests in domestic and foreign issuers.	Fidelity Management & Research Company (FMR) is the fund’s manager. FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund.

Fidelity^® VIP Mid Cap Portfolio Service Class 2	Seeks long-term growth of capital. Normally invests primarily in common stocks. Normally invests at least 80% of assets in securities of companies with medium market capitalizations. May invest in companies with smaller or larger market capitalizations. Invests in domestic and foreign issuers. The Fund invests in either “growth” or “value” common stocks or both.	Fidelity Management & Research Company (FMR) is the fund’s manager. FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund.

Fidelity^® VIP Strategic Income Portfolio Service Class 2	Seeks a high level of current income and may also seek capital appreciation.	Fidelity Management & Research Company (FMR) is the fund’s manager. Fidelity Investments Money Management, Inc. (FIMM), FMR Co., Inc. (FMRC), FIL Investment Advisors (UK) Limited (FIA(UK))and other investment advisers serve as sub-advisers for the fund.

FTVIPT Franklin Income VIP Fund – Class 2 (previously FTVIPT Franklin – Income Securities Fund – Class 2)	Seeks to maximize income while maintaining prospects for capital appreciation. Under normal market conditions, the fund invests in both equity and debt securities.	Franklin Advisers, Inc. adviser; Templeton Investment Counsel, LLC, subadviser.

FTVIPT Franklin Mutual Shares VIP Fund – Class 2 (previously FTVIPT – Mutual Shares Securities Fund – Class 2)	Seeks capital appreciation, with income as a secondary goal. Under normal market conditions, the fund invests primarily in U.S. and foreign equity securities that the investment manager believes are undervalued.	Franklin Mutual Advisers, LLC

FTVIPT Franklin Small Cap Value VIP Fund – Class 2 (previously FTVIPT Franklin – Small Cap Value Securities Fund – Class 2)	Seeks long-term total return. Under normal market conditions, the fund invests at least 80% of its net assets in investments of small capitalization companies.	Franklin Advisory Services, LLC


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Investing In	Investment Objective and Policies	Investment Adviser
FTVIPT Templeton Global Bond VIP Fund – Class 2 (previously FTVIPT Templeton Global Bond Securities Fund – Class 2)	Seeks high current income, consistent with preservation of capital, with capital appreciation as a secondary consideration. Under normal market conditions, the fund invests at least 80% of its net assets in bonds, which include debt securities of any maturity, such as bonds, notes, bills and debentures.	Franklin Advisers, Inc.

Goldman Sachs VIT Multi-Strategy Alternatives Portfolio – Advisor Shares (Available on or about 6/30/2014)	Seeks long-term growth of capital.	Goldman Sachs Asset Management, L.P.

Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares	Non-diversified fund that seeks total return with a low to moderate correlation to traditional financial market indices.	Invesco Advisers, Inc.

Ivy Funds VIP Asset Strategy	Seeks total return over the long term.	Waddell & Reed Investment Management Company

Janus Aspen Series Flexible Bond Portfolio: Service Shares	Seeks to obtain maximum total return, consistent with preservation of capital.	Janus Capital Management LLC

Janus Aspen Series Global Allocation Portfolio – Moderate: Service Shares	Seeks total return through growth of capital and income.	Janus Capital Management LLC

Janus Aspen Series Janus Portfolio: Service Shares	Seeks long-term growth of capital.	Janus Capital Management LLC

Lazard Retirement Global Dynamic Multi Asset Portfolio – Service Shares (previously Lazard Retirement Multi-Asset Targeted Volatility Portfolio – Service Shares)	Seeks long-term capital appreciation.	Lazard Asset Management, LLC

MFS^® Utilities Series – Service Class	Seeks total return.	MFS^® Investment Management

Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares	Seeks long-term capital growth by investing primarily in common stocks and other equity securities.	Morgan Stanley Investment Management Inc.

Neuberger Berman Advisers Management Trust Absolute Return Multi-Manager Portfolio (Class S) (Available on or about 6/30/2014)	Seeks capital appreciation with an emphasis on absolute (i.e., positive) returns.	Neuberger Berman Management LLC is the Fund’s investment manager. NB Alternative Investment Management LLC is the Fund’s investment adviser.

Neuberger Berman Advisers Management Trust Socially Responsive Portfolio (Class S)	Seeks long-term growth of capital by investing primarily in securities of companies that meet the Fund’s financial criteria and social policy.	Neuberger Berman Management LLC

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Investing In	Investment Objective and Policies	Investment Adviser
Oppenheimer Global Fund/VA, Service Shares	Seeks long-term capital appreciation by investing a substantial portion of its assets in securities of foreign issuers, “growth-type” companies, cyclical industries and special situations that are considered to have appreciation possibilities.	OFI Global Asset Management, Inc., adviser; OppenheimerFunds, Inc., sub-adviser.

Oppenheimer Global Strategic Income Fund/VA, Service Shares	Seeks a high level of current income principally derived from interest on debt securities.	OFI Global Asset Management, Inc., adviser; OppenheimerFunds, Inc., sub-adviser.

Oppenheimer Main Street Small Cap Fund^®/VA, Service Shares	Seeks capital appreciation.	OFI Global Asset Management, Inc., adviser; OppenheimerFunds, Inc., sub-adviser.

PIMCO VIT All Asset Portfolio, Advisor Class	Seeks maximum real return consistent with preservation of real capital and prudent investment management.	Pacific Investment Management Company LLC (PIMCO)

PIMCO VIT Global Multi-Asset Managed Allocation Portfolio, Advisor Class (previously PIMCO VIT Global Multi-Asset Portfolio, Advisor Class)	Seeks total return which exceeds that of a blend of 60% MSCI World Index/40% Barclays U.S. Aggregate Index.	Pacific Investment Management Company LLC (PIMCO)

PIMCO VIT Total Return Portfolio, Advisor Class	Seeks maximum total return, consistent with preservation of capital and prudent investment management.	Pacific Investment Management Company LLC (PIMCO)

Van Eck VIP Global Gold Fund (Class S Shares)	Seeks long-term capital appreciation by investing in common stocks of gold-mining companies. The Fund may take current income into consideration when choosing investments.	Van Eck Associates Corporation

Variable Portfolio – Aggressive Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with an aggressive level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – American Century Diversified Bond Fund (Class 2)	Seeks high level of current income.	Columbia Management Investment Advisers, LLC, adviser; American Century Investment Management, Inc., subadviser.

Variable Portfolio – AQR Managed Futures Strategy Fund (Class 2)	Seeks positive absolute returns.	Columbia Management Investment Advisers, LLC, adviser; AQR Capital Management, LLC, subadviser.


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 77


Investing In	Investment Objective and Policies	Investment Adviser
Variable Portfolio – BlackRock Global Inflation-Protected Securities Fund (Class 2)	Non-diversified fund that seeks total return that exceeds the rate of inflation over the long term.	Columbia Management Investment Advisers, LLC, adviser; BlackRock Financial Management, Inc., subadviser.

Variable Portfolio – Columbia Wanger International Equities Fund (Class 2)	Seeks long-term capital growth.	Columbia Management Investment Advisers, LLC, adviser; Columbia Wanger Asset Management LLC, subadviser.

Variable Portfolio – Columbia Wanger U.S. Equities Fund (Class 2)	Seeks long-term capital growth.	Columbia Management Investment Advisers, LLC, adviser; Columbia Wanger Asset Management LLC, subadviser.

Variable Portfolio – Conservative Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with a conservative level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – DFA International Value Fund (Class 2)	Seeks long-term capital growth.	Columbia Management Investment Advisers, LLC, adviser; Dimensional Fund Advisors, L.P., subadviser.

Variable Portfolio – Eaton Vance Floating-Rate Income Fund (Class 2)	Seeks high level of current income.	Columbia Management Investment Advisers, LLC, adviser; Eaton Vance Management, subadviser.

Variable Portfolio – Goldman Sachs Commodity Strategy Fund (Class 2)	Seeks total return, consisting of current income and capital appreciation.	Columbia Management Investment Advisers, LLC, adviser; Goldman Sachs Asset Management, L.P., subadviser.

Variable Portfolio – Holland Large Cap Growth Fund (Class 2)	Seeks long-term capital growth.	Columbia Management Investment Advisers, LLC, adviser; Holland Capital Management LLC, subadviser.

Variable Portfolio – Invesco International Growth Fund (Class 2)	Seeks long-term capital growth.	Columbia Management Investment Advisers, LLC, adviser; Invesco Advisers, Inc., subadviser.

Variable Portfolio – J.P. Morgan Core Bond Fund (Class 2)	Seeks high level of current income while conserving the value of the investment for the longest period of time.	Columbia Management Investment Advisers, LLC, adviser; J.P. Morgan Investment Management Inc., subadviser.

78 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


Investing In	Investment Objective and Policies	Investment Adviser
Variable Portfolio – Jennison Mid Cap Growth Fund (Class 2)	Seeks long-term capital growth.	Columbia Management Investment Advisers, LLC, adviser; Jennison Associates LLC, subadviser.

Variable Portfolio – Loomis Sayles Growth Fund (Class 2) (previously Variable Portfolio – American Century Growth Fund (Class 2))	Seeks long-term capital growth.	Columbia Management Investment Advisers, LLC, adviser; Loomis, Sayles & Company, L.P., subadviser.

Variable Portfolio – MFS Value Fund (Class 2)	Seeks long-term capital growth.	Columbia Management Investment Advisers, LLC, adviser; Massachusetts Financial Services Company, subadviser.

Variable Portfolio – Moderate Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with a moderate level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – Moderately Aggressive Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with a moderately aggressive level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 79


Investing In	Investment Objective and Policies	Investment Adviser
Variable Portfolio – Moderately Conservative Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with a moderately conservative level of risk. The Fund is a “fund of funds” that seeks to achieve its objective by investing in a combination of underlying funds representing three primary asset classes: equity, fixed income and cash/cash equivalents, as well as underlying funds that pursue alternative investment strategies (alternative strategies), including those that seek investment returns uncorrelated to the broad equity and fixed income markets, as well as those providing exposure to other markets, including but not limited to absolute (positive) return strategies. The Fund may also invest in derivatives such as index futures, Treasury futures, currency forwards, index-based total return swaps and indexed-based credit default swaps.	Columbia Management Investment Advisers, LLC

Variable Portfolio – Morgan Stanley Global Real Estate Fund (Class 2)	Seeks to provide current income and capital appreciation.	Columbia Management Investment Advisers, LLC, adviser; Morgan Stanley Investment Management Inc., subadviser.

Variable Portfolio – NFJ Dividend Value Fund (Class 2)	Seeks to provide long-term growth of capital and income.	Columbia Management Investment Advisers, LLC, adviser; NFJ Investment Group LLC, subadviser.

Variable Portfolio – Nuveen Winslow Large Cap Growth Fund (Class 2)	Seeks long-term capital growth.	Columbia Management Investment Advisers, LLC, adviser; Winslow Capital Management, LLC, subadviser.

Variable Portfolio – Partners Small Cap Growth Fund (Class 2)	Seeks long-term capital growth.	Columbia Management Investment Advisers, LLC, adviser; London Company of Virginia, doing business as The London Company, Palisade Capital Management, L.L.C. and Wells Capital Management Incorporated, subadvisers.

Variable Portfolio – Partners Small Cap Value Fund (Class 2)	Seeks long-term capital appreciation.	Columbia Management Investment Advisers, LLC, adviser; Barrow, Hanley, Mewhinney & Strauss, LLC, Denver Investment Advisors LLC, Donald Smith & Co., Inc., River Road Asset Management, LLC and Turner Investments L.P., subadvisers.

Variable Portfolio – Pyramis^® International Equity Fund (Class 2)	Seeks long-term growth of capital.	Columbia Management Investment Advisers, LLC, adviser; Pyramis Global Advisers, LLC, subadviser.

Variable Portfolio – Pyrford International Equity Fund (Class 2)	Seeks long-term capital appreciation.	Columbia Management Investment Advisers, LLC, adviser; Pyrford International Ltd., subadviser.

Variable Portfolio – Sit Dividend Growth Fund (Class 2)	Seeks long-term capital growth.	Columbia Management Investment Advisers, LLC, adviser; Sit Investment Associates, Inc., subadviser.

80 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS

Appendix B: Example – Market Value Adjustment (MVA)

Assumptions:


•	You purchase a contract and allocate part of your purchase payment to the ten-year GPA; and

•	we guarantee an interest rate of 3.0% annually for your ten-year Guarantee Period; and

•	after three years, you decide to make a surrender from your GPA. In other words, there are seven years left in your guarantee period.

Remember that the MVA depends partly on the interest rate of a new GPA for the same number of years as the Guarantee Period remaining on your GPA. In this case, that is seven years.

Sample MVA Calculations

The precise MVA formula we apply is as follows:

Early surrender amount ×

[(

1 + i

1 + j + .001

)

^n/12

− 1 ]

= MVA


	Where i	= rate earned in the GPA from which amounts are being transferred or surrendered.

	j	= current rate for a new Guaranteed Period equal to the remaining term in the current Guarantee Period (rounded up to the next year).

	n	= number of months remaining in the current Guarantee Period (rounded up to the next month).

Examples — MVA

Using assumptions similar to those we used in the examples above:


•	You purchase a contract and allocate part of your purchase payment to the ten-year GPA; and

•	we guarantee an interest rate of 3.0% annually for your ten-year Guarantee Period; and

•	after three years, you decide to make a $1,000 surrender from your GPA. In other words, there are seven years left in your guarantee period.

$1,000 ×

[(

1.030

1 + .035 + .001

)

^84/12

− 1]

= –$39.84

In this example, the MVA is a negative $39.84.

82 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS

Appendix C: Example — Surrender Charges

We determine your surrender charge by multiplying the amount of each purchase payment surrendered which could be subject to a surrender charge by the applicable surrender charge percentage, and then totaling the surrender charges. We calculate the amount of purchase payments surrendered (PPS) as:


PPS	=	PPSC + PPF
PPSC	=	purchase payments surrendered that could be subject to a surrender charge
	=	(PS – FA) / (CV – FA) × (PP – PPF)
PPF	=	purchase payments surrendered that are not subject to a surrender charge
	=	FA – contract earnings, but not less than zero
PP	=	purchase payments not previously surrendered (total purchase payments – PPS from all previous surrenders)
PS	=	amount the contract value is reduced by the surrender
FA	=	total free amount = greater of contract earnings or 10% of prior anniversary’s contract value
CV	=	contract value prior to the surrender

When determining the surrender charge, contract earnings are defined as the contract value, including any positive or negative MVA on amounts being surrendered, less purchase payments not previously surrendered. We determine current contract earnings by looking at the entire contract value, not the earnings of any particular subaccount, GPA, the regular fixed account, the Special DCA fixed account. If the contract value is less than purchase payments received and not previously surrendered, then contract earnings are zero.

The examples below show how the surrender charge for a full and partial surrender is calculated. Each example illustrates the amount of the surrender charge for both a contract that experiences gains and a contract that experiences losses, given the same set of assumptions.

Full surrender charge calculation — ten-year surrender charge schedule:

This is an example of how we calculate the surrender charge on a contract with a ten-year (from the date of each purchase payment) surrender charge schedule and the following history:

Assumptions:


•	We receive a single $50,000 purchase payment;


•	During the fourth contract year you surrender the contract for its total value. The surrender charge percentage in the fourth year after a purchase payment is 7.0%; and

•	You have made no prior surrenders.

We will look at two situations, one where the contract has a gain and another where there is a loss:


		Contract		Contract
		with Gain		with Loss
	Contract value just prior to surrender:	$	60,000.00	$	40,000.00
	Contract value on prior anniversary:		58,000.00		42,000.00
We calculate the surrender charge as follows:

Step 1.	First, we determine the amount of earnings available in the contract at the time of surrender as:
	Contract value just prior to surrender (CV):		60,000.00		40,000.00
Less purchase payments received and not previously surrendered (PP):			50.000.00		50.000.00

	Earnings in the contract (but not less than zero):		10,000.00		0.00

Step 2.	Next, we determine the total free amount (FA) available in the contract as the greatest of the following values:
	Earnings in the contract:		10,000.00		0.00
	10% of the prior anniversary’s contract value:		5,800.00		4,200.00

	FA (but not less than zero):		10,000.00		4,200.00

84 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


		Contract			Contract
		with Gain			with Loss
Step 3.	Next we determine PPF, the amount by which the total free amount (FA) exceeds earnings.
	Total free amount (FA):		10,000.00			4,200.00
	Less earnings in the contract:		10,000.00			0.00

	PPF (but not less than zero):		0.00			4,200.00

Step 4.	Next we determine PS, the amount by which the contract value is reduced by the surrender.
	PS:		60,000.00			40,000.00

Step 5.	Now we can determine how much of the PP is being surrendered (PPS) as follows:
	PPS = PPF + PPSC = PPF+ (PS − FA) / (CV − FA) * (PP − PPF)
	PPF from Step 3 =		0.00			4,200.00
	PS from Step 4 =		60,000.00			40,000.00
	CV from Step 1 =		60,000.00			40,000.00
	FA from Step 2 =		10,000.00			4,200.00
	PP from Step 1 =		50,000.00			50,000.00

	PPS =		50,000.00			50,000.00

Step 6.	We then calculate the surrender charge as a percentage of PPS. Note that for a contract with a loss, PPS may be greater than the amount you request to surrender:
	PPS:		50,000.00			50,000.00
	less PPF:		0.00			4,200.00

	PPSC = amount of PPS subject to a surrender charge:		50,000.00			45,800.00
	multiplied by the surrender charge rate:		× 7.0%			× 7.0%

	surrender charge:		3,500.00			3,206.00


Step 7.	The dollar amount you will receive as a result of your full surrender is determined as:
	Contract value surrendered:		60,000.00			40,000.00
	Surrender charge:		(3,500.00	)		(3,206.00	)
	Contract charge (assessed upon full surrender):		(30.00	)		(30.00	)

	Net full surrender proceeds:	$	56,470.00		$	36,764.00

Partial surrender charge calculation — ten-year surrender charge schedule:

This is an example of how we calculate the surrender charge on a contract with a ten-year (from the date of each purchase payment) surrender charge schedule and the following history:

Assumptions:


•	We receive a single $50,000 purchase payment;


•	During the fourth contract year you request a net partial surrender of $15,000.00. The surrender charge percentage in the fourth year after a purchase payment is 7.0%; and

•	You have made no prior surrenders.


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 85

We will look at two situations, one where the contract has a gain and another where there is a loss:


		Contract		Contract
		with Gain		with Loss
	Contract value just prior to surrender:	$	60,000.00	$	40,000.00
	Contract value on prior anniversary:		58,000.00		42,000.00

We determine the amount of contract value that must be surrendered in order for the net partial surrender proceeds to match the amount requested. We start with an estimate of the amount of contract value to surrender and calculate the resulting surrender charge and net partial surrender proceeds as illustrated below. We then adjust our estimate and repeat until we determine the amount of contract value to surrender that generates the desired net partial surrender proceeds.

We calculate the surrender charge for each estimate as follows:

Step 1.	First, we determine the amount of earnings available in the contract at the time of surrender as:
	Contract value just prior to surrender (CV):		60,000.00		40,000.00
Less purchase payments received and not previously surrendered (PP):			50,000.00		50,000.00

	Earnings in the contract (but not less than zero):		10,000.00		0.00

Step 2.	Next, we determine the total free amount (FA) available in the contract as the greatest of the following values:
	Earnings in the contract:		10,000.00		0.00
	10% of the prior anniversary’s contract value:		5,800.00		4,200.00

	FA (but not less than zero):		10,000.00		4,200.00

Step 3.	Next we determine PPF, the amount by which the total free amount (FA) exceeds earnings
	Total free amount (FA):		10,000.00		4,200.00
	Less earnings in the contract:		10,000.00		0.00

	PPF (but not less than zero):		0.00		4,200.00

Step 4.	Next we determine PS, the amount by which the contract value is reduced by the surrender
	PS (determined by iterative process described above):		15,376.34		16,062.31

Step 5.	Now we can determine how much of the PP is being surrendered (PPS) as follows:
	PPS = PPF + PPSC = PPF + (PS − FA) / (CV − FA) * (PP − PPF)
	PPF from Step 3 =		0.00		4,200.00
	PS from Step 4 =		15,376.34		16,062.31
	CV from Step 1 =		60,000.00		40,000.00
	FA from Step 2 =		10,000.00		4,200.00
	PP from Step 1 =		50,000.00		50,000.00

	PPS =		5,376.34		19,375.80

Step 6.	We then calculate the surrender charge as a percentage of PPS. Note that for a contract with a loss, PPS may be greater than the amount you request to surrender:
	PPS:		5,376.34		19,375.80
	less PPF:		0.00		4,200.00

	PPSC = amount of PPS subject to a surrender charge:		5,376.34		15,175.80
	multiplied by the surrender charge rate:		× 7.0%		× 7.0%

	surrender charge:		376.34		1,062.31

86 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


		Contract			Contract
		with Gain			with Loss
Step 7.	The dollar amount you will receive as a result of your partial surrender is determined as:
	Contract value surrendered:		15,376.34			16,062.31
	Surrender charge:		(376.34	)		(1,062.31	)

	Net partial surrender proceeds:	$	15,000.00		$	15,000.00

Full surrender charge calculation — four-year surrender charge schedule:

This is an example of how we calculate the surrender charge on a contract with a four-year (from the contract issue date) surrender charge schedule and the following history:

Assumptions:


•	We receive a single $50,000 purchase payment;


•	During the fourth contract year you surrender the contract for its total value. The surrender charge percentage in the fourth contract year is 4.0%; and

•	You have made no prior surrenders.

We will look at two situations, one where the contract has a gain and another where there is a loss:


		Contract		Contract
		with Gain		with Loss
	Contract value just prior to surrender:	$	60,000.00	$	40,000.00
	Contract value on prior anniversary:		58,000.00		42,000.00

We calculate the surrender charge as follows:

Step 1.	First, we determine the amount of earnings available in the contract at the time of surrender as:
	Contract value just prior to surrender (CV):		60,000.00		40,000.00
Less purchase payments received and not previously surrendered (PP):			50.000.00		50.000.00

	Earnings in the contract (but not less than zero):		10,000.00		0.00

Step 2.	Next, we determine the total free amount (FA) available in the contract as the greatest of the following values:
	Earnings in the contract:		10,000.00		0.00
	10% of the prior anniversary’s contract value:		5,800.00		4,200.00

	FA (but not less than zero):		10,000.00		4,200.00

Step 3.	Next we determine PPF, the amount by which the total free amount (FA) exceeds earnings.
	Total free amount (FA):		10,000.00		4,200.00
	Less earnings in the contract:		10,000.00		0.00

	PPF (but not less than zero):		0.00		4,200.00

Step 4.	Next we determine PS, the amount by which the contract value is reduced by the surrender.
	PS:		60,000.00		40,000.00


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 87


		Contract			Contract
		with Gain			with Loss
Step 5.	Now we can determine how much of the PP is being surrendered (PPS) as follows:
	PPS = PPF + PPSC = PPF + (PS − FA) / (CV − FA) * (PP − PPF)
	PPF from Step 3 =		0.00			4,200.00
	PS from Step 4 =		60,000.00			40,000.00
	CV from Step 1 =		60,000.00			40,000.00
	FA from Step 2 =		10,000.00			4,200.00
	PP from Step 1 =		50,000.00			50,000.00

	PPS =		50,000.00			50,000.00

Step 6.	We then calculate the surrender charge as a percentage of PPS. Note that for a contract with a loss, PPS may be greater than the amount you request to surrender:
	PPS:		50,000.00			50,000.00
	less PPF:		0.00			4,200.00

	PPSC = amount of PPS subject to a surrender charge:		50,000.00			45,800.00
	multiplied by the surrender charge rate:		× 4.0%			× 4.0%

	surrender charge:		2,000.00			1,832.00
Step 7.	The dollar amount you will receive as a result of your full surrender is determined as:
	Contract value surrendered:		60,000.00			40,000.00
	Surrender charge:		(2,000.00	)		(1,832.00	)
	Contract charge (assessed upon full surrender):		(30.00	)		(30.00	)

	Net full surrender proceeds:	$	57,970.00		$	38,138.00

Partial surrender charge calculation — four-year surrender charge schedule:

This is an example of how we calculate the surrender charge on a contract with a four-year (from the contract issue date) surrender charge schedule and the following history:

Assumptions:


•	We receive a single $50,000 purchase payment;


•	During the fourth contract year you request a net partial surrender of $15,000.00. The surrender charge percentage in the fourth contract year is 4.0%; and

•	You have made no prior surrenders.

We will look at two situations, one where the contract has a gain and another where there is a loss:


		Contract		Contract
		with Gain		with Loss
	Contract value just prior to surrender:	$	60,000.00	$	40,000.00
	Contract value on prior anniversary:		58,000.00		42,000.00
We determine the amount of contract value that must be surrendered in order for the net partial surrender proceeds to match the amount requested. We start with an estimate of the amount of contract value to surrender and calculate the resulting surrender charge and net partial surrender proceeds as illustrated below. We then adjust our estimate and repeat until we determine the amount of contract value to surrender that generates the desired net partial surrender proceeds.
We calculate the surrender charge for each estimate as follows:

Step 1.	First, we determine the amount of earnings available in the contract at the time of surrender as:
	Contract value just prior to surrender (CV):		60,000.00		40,000.00
Less purchase payments received and not previously surrendered (PP):			50,000.00		50,000.00

	Earnings in the contract (but not less than zero):		10,000.00		0.00

88 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS

Appendix D: Example — Optional Death Benefits

The purpose of this appendix is to illustrate the operation of various optional death benefit riders.

Example — ROPP Death Benefit

Assumptions:


•	You purchase the contract with a payment of $20,000; and


•	on the first contract anniversary you make an additional purchase payment of $5,000; and

•	During the second contract year the contract value falls to $22,000 and you take a $1,500 (including surrender charge) partial surrender; and

•	During the third contract year the contract value grows to $23,000.


We calculate the ROPP Death Benefit as follows:
Contract value at death:			$	23,000.00

Purchase payments minus adjusted partial surrenders:
	Total purchase payments:		$	25,000.00
	minus adjusted partial surrenders, calculated as:


	$1,500 × $25,000 $22,000	=		–1,704.54

	for a death benefit of:		$	23,295.45

The ROPP Death Benefit, calculated as the greatest of these two values:			$	23,295.45

Example — MAV Death Benefit

Assumptions:


•	You purchase the contract with a payment of $25,000.


•	On the first contract anniversary the contract value grows to $26,000.


•	During the second contract year the contract value falls to $22,000, at which point you take a $1,500 partial surrender (including surrender charge), leaving a contract value of $20,500.


We calculate the MAV death benefit, which is based on the greater of three values, as follows:
1. Contract value at death:			$	20,500.00

2. Purchase payments minus adjusted partial surrenders:
	Total purchase payments:		$	25,000.00
	minus adjusted partial surrenders, calculated as:


	$1,500 × $25,000 $22,000	=		–1,704.55

	for a death benefit of:		$	23,295.45

90 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


3. The MAV immediately preceding the date of death:
	Greatest of your contract anniversary values:		$	26,000.00
	plus purchase payments made since the prior anniversary:			+0.00
	minus adjusted partial surrenders, calculated as:


	$1,500 × $26,000 $22,000	=		–1,772.73



	for a death benefit of:		$	24,227.27

The MAV Death Benefit, calculated as the greatest of these three values, which is the MAV:			$	24,227.27

Example — 5-Year MAV Death Benefit

Assumptions:


•	You purchase the contract with a payment of $25,000.


•	On the fifth contract anniversary the contract value grows to $26,000.

•	During the sixth contract year the contract value falls to $22,000, at which point you take a $1,500 partial surrender (including surrender charge), leaving a contract value at $20,500.


We calculate the 5-Year MAV death benefit, which is based on the greater of three values, as follows:

1. Contract value at death:			$	20,500.00

2. Purchase payments minus adjusted partial surrenders:
	Total purchase payments:		$	25,000.00
	minus adjusted partial surrenders, calculated as:


	$1,500 × $25,000 $22,000	=		–1,704.55

	for a death benefit of:		$	23,295.45

3. The 5-Year MAV immediately preceding the date of death:
	Greatest of your contract anniversary values:		$	26,000.00
	plus purchase payments made since the prior anniversary:			+0.00
	minus adjusted partial surrenders, calculated as:


	$1,500 × $26,000 $22,000	=		–1,772.73



	for a death benefit of:		$	24,227.27

The 5-Year MAV Death Benefit, calculated as the greatest of these three values, which is the 5-Year MAV:			$	24,227.27

Example — Enhanced Death Benefit

Assumptions:


•	You purchase the contract with a payment of $25,000 with $5,000 allocated to the regular fixed account and $20,000 allocated to the subaccounts; and


•	on the first contract anniversary the regular fixed account value is $5,200 and the subaccount value is $17,000. Total contract value is $23,200; and


•	During the second contract year the regular fixed account value is $5,300 and the subaccount value is $19,000. Total contract value is $24,300. You take a $1,500 (including surrender charge) partial surrender all from the subaccounts, leaving the contract value at $22,800.


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 91


The death benefit, which is based on the greatest of four values, is calculated as follows:

1. Contract value at death:			$	22,800.00

2. Purchase payments minus adjusted partial surrenders:
	Total purchase payments:		$	25,000.00
	minus adjusted partial surrenders, calculated as:


	$1,500 × $25,000 $24,300	=		–1,543.21

	for a death benefit of:		$	23,456.79

3. The MAV on the anniversary immediately preceding the date of death:
	The MAV on the immediately preceding anniversary:		$	25,000.00
	plus purchase payments made since that anniversary:			+0.00
	minus adjusted partial surrenders made since that anniversary, calculated as:


	$1,500 × $25,000 $24,300	=		–1,543.21



	for a MAV Death Benefit of:		$	23,456.79

4. The 5% accumulation death benefit floor:
	The variable account floor on the first contract anniversary calculated as: 1.05 × $20,000 =		$	21,000.00


	plus amounts allocated to the subaccounts since that anniversary:			+0.00
	minus the 5% accumulation death benefit floor adjusted partial surrender from the subaccounts, calculated as:


	$1,500 × $21,000 $19,000	=		–1,657.89



	variable account floor benefit:		$	19,342.11
	plus the regular fixed account value:			+5,300.00

	5% accumulation death benefit floor (value of the regular fixed account and the variable account floor):		$	24,642.11

Enhanced Death Benefit, calculated as the greatest of these four values, which is the 5% accumulation death benefit floor:			$	24,642.11

Example — 5% Accumulation Death Benefit

Assumptions:


•	You purchase the contract with a payment of $25,000 with $5,000 allocated to the regular fixed account and $20,000 allocated to the subaccounts; and


•	on the first contract anniversary the regular fixed account value is $5,200 and the subaccount value is $17,000. Total contract value is $23,200; and

•	During the second contract year the regular fixed account value is $5,300 and the subaccount value is $19,000. Total contract value is $24,300. You take a $1,500 (including surrender charge) partial surrender all from the subaccounts, leaving the contract value at $22,800.


The death benefit, which is based on the greatest of three values, is calculated as follows:
1. Contract value at death:			$	22,800.00

2. Purchase payments minus adjusted partial surrenders:
	Total purchase payments:		$	25,000.00
	minus adjusted partial surrenders, calculated as:


	$1,500 × $25,000 $24,300	=		–1,543.21

	for a death benefit of:		$	23,456.79

92 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


3. The 5% accumulation death benefit floor:
	The variable account floor on the first contract anniversary, calculated as: 1.05 × $20,000 =		$	21,000.00
	plus amounts allocated to the subaccounts since that anniversary:			+0.00
	minus the 5% accumulation death benefit floor adjusted partial surrender from the subaccounts, calculated as:


	$1,500 × $21,000 $19,000	=		−1,657.89



	variable account floor benefit:		$	19,342.11
	plus the regular fixed account account value:			+5,300.00

	5% accumulation death benefit floor (value of the regular fixed account and the variable account floor):		$	24,642.11

The 5% Accumulation Death Benefit, calculated as the greatest of these three values, which is the 5% accumulation death benefit floor:			$	24,642.11

Example — Benefit Protector

Assumptions:


•	You purchase the contract with a payment of $100,000 and you are under age 70. You select the seven-year surrender charge schedule, the MAV and the Benefit Protector.


•	During the first contract year the contract value grows to $105,000. The death benefit equals the standard death benefit, which is the contract value, or $105,000. You have not reached the first contract anniversary so the Benefit Protector does not provide any additional benefit at this time.


•	On the first contract anniversary the contract value grows to $110,000. The death benefit equals:


MAV death benefit amount (contract value):			$110,000
plus the Benefit Protector which equals 40% of earnings at death (MAV death benefit amount minus remaining purchase payments):
0.40 × ($110,000 – $100,000) =			+4,000

Total death benefit of:			$114,000

• On the second contract anniversary the contract value falls to $105,000. The death benefit equals:
MAV death benefit amount (maximum anniversary value):			$110,000
plus the Benefit Protector (40% of earnings at death):
0.40 × ($110,000 – $100,000) =			+4,000

Total death benefit of:			$114,000

•

During the third contract year the contract value remains at $105,000 and you request a partial surrender, including the applicable 7% surrender charge, of $50,000. We will surrender $10,500 from your contract value free of charge (10% of your prior anniversary’s contract value). The remainder of the surrender is subject to a 7% surrender charge because your purchase payment is two years old, so we will surrender $39,500 ($36,735 + $2,765 in surrender charges) from your contract value. Altogether, we will surrender $50,000 and pay you $48,025. We calculate remaining purchase payments as $100,000 – $45,000 = $55,000 (remember that $5,000 of the partial surrender is contract earnings). The death benefit equals:

MAV death benefit amount (maximum anniversary value adjusted for partial surrenders):

$110,000 –

($50,000 × $110,000)

$105,000

57,619

plus the Benefit Protector (40% of earnings at death):

0.40 × ($57,619 – $55,000) =

+1,048

Total death benefit of:

58,667


•	On the third contract anniversary the contract value falls by $40,000. The death benefit remains at $58,667. The reduction in contract value has no effect.


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 93


•	On the ninth contract anniversary the contract value grows to a new high of $200,000. Earnings at death reaches its maximum of 250% of remaining purchase payments that are one or more years old. The death benefit equals:


MAV death benefit amount (contract value):			$200,000
plus the Benefit Protector (40% of earnings at death)
0.40 × 2.50 × ($55,000) =			+55,000

Total death benefit of:			$255,000


•	During the tenth contract year you make an additional purchase payment of $50,000 and your contract value grows to $250,500. The new purchase payment is less than one year old and so it has no effect on the EEB. The death benefit equals:


MAV death benefit amount (contract value):			$250,000
plus the Benefit Protector (40% of earnings at death)
0.40 × 2.50 × ($55,000) =			+55,000

Total death benefit of:			$305,000


•	During the eleventh contract year the contract value remains $250,500 and the “new” purchase payment is now one year old. The value of the Benefit Protector changes. The death benefit equals:


MAV death benefit amount (contract value):			$250,500
plus the Benefit Protector which equals 40% of earnings at death (the standard death benefit amount minus remaining purchase payments):
0.40 × ($250,500 – $105,000) =			+58,200

Total death benefit of:			$308,700

Example — Benefit Protector Plus

Assumptions:


•	You purchase the contract with an exchange purchase payment of $100,000 and you are under age 70. You select the seven-year surrender charge schedule, the MAV and the Benefit Protector Plus.


•	During the first contract year the contract value grows to $105,000. The death benefit on equals the standard death benefit amount, which is the contract value, or $104,000. You have not reached the first contract anniversary so neither the Benefit Protector Plus Part I nor Part II provides any additional benefit at this time.

•	On the first contract anniversary the contract value grows to $110,000. You have not reached the second contract anniversary so the Benefit Protector Plus Part II does not provide any additional benefit at this time. The death benefit equals:


MAV death benefit amount (contract value):			$110,000
plus the Benefit Protector Plus Part I which equals 40% of earnings at death (the MAV death benefit amount minus remaining purchase payments):
0.40 × ($110,000 – $100,000) =			+4,000

Total death benefit of:			$114,000


•	On the second contract anniversary the contract value falls to $105,000. The death benefit equals:


MAV death benefit amount (maximum anniversary value):			$110,000
plus the Benefit Protector Plus Part I (40% of earnings at death):
0.40 × ($110,000 – $100,000) =			+4,000
plus the Benefit Protector Plus Part II which in the third contract year equals 10% of exchange purchase payments identified at issue and not previously surrendered: 0.10 × $100,000 =			+10,000

Total death benefit of:			$124,000

•

94 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


	Altogether, we will surrender $50,000 and pay you $47,235. We calculate remaining purchase payments as $100,000 – $45,000 = $55,000 (remember that $5,000 of the partial surrender is contract earnings). The death benefit equals:

MAV death benefit amount (maximum anniversary value adjusted for partial surrenders):

$110,000 –

($50,000 × $110,000)

$105,000

57,619

plus the Benefit Protector Plus Part I (40% of earnings at death):

0.40 × ($57,619 – $55,000) =

+1,048

plus the Benefit Protector Plus Part II which in the third contract year equals 10% of exchange purchase payments identified at issue and not previously surrendered:

0.10 × $55,000 =

+5,500

Total death benefit of:

64,167


•	On the third contract anniversary the contract value falls by $40,000. The death benefit remains at $64,167. The reduction in contract value has no effect.

•	On the ninth contract anniversary the contract value grows to a new high of $200,000. Earnings at death reaches its maximum of 250% of remaining purchase payments that are one or more years old. Because we are beyond the fourth contract anniversary the Benefit Protector Plus also reaches its maximum of 20%. The death benefit equals:


MAV death benefit amount (contract value):			$200,000
plus the Benefit Protector Plus Part I (40% of earnings at death)
.40 × (2.50 × $55,000) =			+55,000
plus the Benefit Protector Plus Part II which after the fourth contract year equals 20% of exchange purchase payments identified at issue and not previously surrendered:
0.20 × $55,000 =			+11,000

Total death benefit of:			$266,000


•	During the tenth contract year you make an additional purchase payment of $50,000 and your contract value grows to $250,500. The new purchase payment is less than one year old and so it has no effect on either the Benefit Protector Plus Part I or Benefit Protector PlusPart II. The death benefit equals:


MAV death benefit amount (contract value):			$250,000
plus the Benefit Protector Plus Part I (40% of earnings at death)
.40 × (2.50 × $55,000) =			+55,000
plus the Benefit Protector Plus Part II, which after the fourth contract year equals 20% of exchange purchase payments identified at issue and not previously surrendered:
0.20 × $55,000 =			+11,000

Total death benefit of:			$316,000


•	During the eleventh contract year the contract value remains $250,500 and the “new” purchase payment is now one year old. The value of the Benefit Protector PlusPart I changes but the value of the Benefit Protector Plus Part II remains constant. The death benefit equals:


MAV death benefit amount (contract value):			$250,500
plus the Benefit Protector PlusPart I which equals 40% of earnings at death (the MAV death benefit minus remaining purchase payments):
0.40 × ($250,500 – $105,000) =			+58,200
plus the Benefit Protector Plus Part II, which after the fourth contract year equals 20% of exchange purchase payments identified at issue and not previously surrendered: 0.20 × $55,000 =			+11,000

Total death benefit of:			$319,700


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 95

Appendix E: Example — Optional Living Benefits

The purpose of this appendix is to illustrate the operation of various optional living benefit riders.

Example — Accumulation Protector Benefit

The following example shows how the Accumulation Protector Benefit rider works based on hypothetical values. It is not intended to depict investment performance of the contract.

The example assumes:


•	You purchase the contract (with the Accumulation Protector Benefit rider) with a payment of $100,000.


•	You make no additional purchase payments.

•	You do not exercise the elective step-up option


									Hypothetical
	Partial Surrender		MCAV Adjustment				Accumulation		Assumed
End of	(beginning of		for Partial				Benefit		Contract
Contract Year	year)		Surrender		MCAV		Amount		Value


1		0		0		100,000		0		112,000

2		0		0		102,400		0		128,000

3		0		0		108,000		0		135,000

4		0		0		108,000		0		118,000

5		0		0		108,000		0		100,000

6		2,000		2,160		105,840		0		122,000

7		0		0		112,000		0		140,000

8		0		0		112,000		0		121,000

9		5,000		4,628		107,372		0		98,000

10		0		0		107,372		22,372		85,000

Example — SecureSource Stages 2 Riders

Assumptions:


•	You purchase the contract with a payment of $100,000 and make no additional payments to the contract.


•	You are the sole owner and also the annuitant. You (and your spouse for the joint benefit) are age 61.


•	Annual Step-ups are applied each anniversary when available, where the contract value is greater than the PBG and/or the BB. Applied annual step-ups are indicated in bold.

•	You elect the Moderate fund of funds at issue.

96 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


					Hypothetical
Contract					Assumed							Benefit											Lifetime
Duration	Purchase		Partial		Contract							Determining											Payment
in Years	Payments		Withdrawals		Value		BB			WAB		Percentage		PBG			ALP			RALP			Percent


At Issue	$	100,000		NA	$	100,000	$	100,000		$	100,000		0.0%	$	100,000		$	4,000		$	4,000	⁽¹⁾		4%

1		0		0		98,000		108,000			108,000		9.3%		100,000			5,400			5,400	⁽²⁾		5%

2		0		0		105,000		114,000			114,000		7.9%		105,000			5,700			5,700			5%

3		0		0		118,000		120,000			120,000		1.7%		118,000			6,000			6,000			5%

3.5		0		6,000		112,000		120,000			113,898		1.7%		112,000			6,000			0			5%

4		0		0		115,000		120,000			115,000		0.0%		115,000			6,000			6,000			5%

5		0		0		130,000		130,000			130,000		0.0%		130,000			7,800	⁽³⁾		7,800	⁽³⁾		6%	⁽³⁾

6		0		0		110,000		130,000			130,000		15.4%		130,000			7,800			7,800			6%

7		0		0		100,000		130,000			130,000		23.1%		130,000			6,500	⁽⁴⁾		6,500	⁽⁴⁾		5%	⁽⁴⁾

7.5		0		10,000		90,000		125,134	⁽⁵⁾		117,000		23.1%		118,877	⁽⁵⁾		6,257	⁽⁵⁾		0			5%

8		0		0		80,000		125,134			117,000		31.6%		118,877			6,257			6,257			5%

9		0		0		95,000		125,134			117,000		18.8%		118,877			7,508	⁽⁴⁾		7,508	⁽⁴⁾		6%	⁽⁴⁾


⁽¹⁾		The ALP and RALP are based on percentage B until the end of the 1-year waiting period.
⁽²⁾		Since no withdrawal was taken, at the end of the 1-year waiting period, the ALP and RALP are recalculated based on percentage A.
⁽³⁾		Because the annual step-up increased the BB on the anniversary and the covered person’s (for the joint benefit, younger covered spouse’s) attained age is in a higher age band, the Lifetime Payment Percentage increased.
⁽⁴⁾		The Lifetime Payment Percentage is based on percentage A when the BDP is less than 20% and percentage B when the BDP is greater than or equal to 20%.
⁽⁵⁾		The $10,000 withdrawal is greater than the $6,500 RALP allowed under the rider and therefore excess withdrawal processing is applied. The BB and PBG are reset as described in “Lifetime Benefit Description — Determination of Adjustment of Benefit Values”.


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 97

Appendix F: Additional RMD Disclosure

This appendix describes our current administrative practice for determining the amount of withdrawals in any contract year which an owner may take under the SecureSource Stages 2 rider to satisfy the RMD rules under 401(a)(9) of the Code without application of the excess withdrawal processing described in the rider. We reserve the right to modify this administrative practice at any time upon 30 days’ written notice to you.

For contract holders subject to annual RMD rules under the Section 401(a)(9) of the Code, amounts you withdraw from this contract to satisfy these rules are not subject to excess withdrawal processing under the terms of the rider, subject to the following rules and our current administrative practice:


(1)	Each calendar year, if your ALERMDA is greater than the ALP.


	•	A Lifetime Additional Benefit Amount (LABA) will be set equal to that portion of your ALERMDA that exceeds the value of ALP.

	•	The LABA will be reduced by the total of the amount that each withdrawal in the current calendar year exceeds the RALP at the time of each withdrawal, but shall not be reduced to less than zero.

	•	Any withdrawals taken in a contract year will count first against and reduce the RALP for that contract year.

	•	Once the RALP for the current contract year has been depleted, any additional amounts withdrawn will count against and reduce the LABA. These withdrawals will not be considered excess withdrawals with regard to the ALP as long as they do not exceed the remaining LABA.

	•	Once the LABA has been depleted, any additional withdrawal amounts will be considered excess withdrawals with regard to the ALP and will subject the ALP to the excess withdrawal processing described by the SecureSource Stages 2 rider.

The ALERMDA is:


(1)	determined by us each calendar year;

(2)	based on your initial purchase payment and not the entire interest value in the calendar year of contract issue and therefore may not be sufficient to allow you to withdraw your RMD without causing an excess withdrawal;

(3)	based on the value of this contract alone on the date it is determined;

(4)	based on recalculated life expectancy taken from the Uniform Lifetime Table under the Code ; and

(5)	based on the company’s understanding and interpretation of the requirements for life expectancy distributions intended to satisfy the required minimum distribution rules under Code Section 401(a)(9) and the Treasury Regulations promulgated thereunder as applicable on the effective date of this prospectus, to:


	1.	IRAs under Section 408(b) of the Code;

	2.	Roth IRAs under Section 408A of the Code;

	3.	Simplified Employee Pension IRA (SEP) plans under Section 408(k) of the Code.

In the future, the requirements under tax law for such distributions may change and the life expectancy amount calculation provided under your SecureSource Stages 2 rider may not be sufficient to satisfy the requirements under the tax law for these types of distributions. In such a situation, amounts withdrawn to satisfy such distribution requirements will exceed your available RALP amount and may result in the reduction of your guaranteed values as described under the excess withdrawal provision of the rider.

In cases where the Code does not allow the life expectancy of a natural person to be used to calculate the required minimum distribution amount (e.g., some ownerships by trusts and charities), we will calculate the life expectancy RMD amount as zero in all years.

Please consult your tax advisor about the impact of these rules prior to purchasing the SecureSource Stages 2 rider.

98 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS

Appendix G: Condensed Financial Information (Unaudited)

The following tables give per-unit information about the financial history of each subaccount representing the lowest and highest total annual variable account expense combinations for each contract. The date in which operations commenced in each subaccount is noted in parentheses. The SAI contains tables that give per-unit information about the financial history of each existing subaccount. We have not provided this information for subaccounts that were not available under your contract as of Dec. 31, 2013. You may obtain a copy of the SAI without charge by contacting us at the telephone number or address listed on the first page of the prospectus.


Variable account charges of 0.85% of the daily net assets of the variable account.
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006


AllianceBernstein VPS Dynamic Asset Allocation Portfolio (Class B) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.07		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		215		—		—		—		—		—		—		—

AllianceBernstein VPS Large Cap Growth Portfolio (Class B) (06/26/2006)
Accumulation unit value at beginning of period		$1.20		$1.05		$1.09		$1.00		$0.74		$1.23		$1.10		$1.00
Accumulation unit value at end of period		$1.64		$1.20		$1.05		$1.09		$1.00		$0.74		$1.23		$1.10
Number of accumulation units outstanding at end of period (000 omitted)		1,589		1,870		1,920		1,769		1,603		1,325		1,295		346

ALPS/Alerian Energy Infrastructure Portfolio: Class III (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.07		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		2,030		—		—		—		—		—		—		—

American Century VP Value, Class II (06/26/2006)
Accumulation unit value at beginning of period		$1.20		$1.05		$1.05		$0.94		$0.79		$1.09		$1.16		$1.00
Accumulation unit value at end of period		$1.56		$1.20		$1.05		$1.05		$0.94		$0.79		$1.09		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		13,907		14,115		14,358		12,846		12,296		10,333		11,609		3,143

BlackRock Global Allocation V.I. Fund (Class III) (04/30/2012)
Accumulation unit value at beginning of period		$1.03		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.17		$1.03		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		4,565		1,275		—		—		—		—		—		—

Columbia Variable Portfolio – Balanced Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.25		$1.10		$1.09		$0.97		$0.79		$1.14		$1.13		$1.00
Accumulation unit value at end of period		$1.51		$1.25		$1.10		$1.09		$0.97		$0.79		$1.14		$1.13
Number of accumulation units outstanding at end of period (000 omitted)		9,898		7,709		7,342		8,118		9,918		2,682		3,274		829

Columbia Variable Portfolio – Cash Management Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$0.98		$0.99		$1.00		$1.00		—		—		—		—
Accumulation unit value at end of period		$0.97		$0.98		$0.99		$1.00		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		800		515		2,071		1,047		—		—		—		—

Columbia Variable Portfolio – Commodity Strategy Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.93		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		38		—		—		—		—		—		—		—

Columbia Variable Portfolio – Contrarian Core Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.21		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		684		—		—		—		—		—		—		—

Columbia Variable Portfolio – Core Bond Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.95		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		82		—		—		—		—		—		—		—

Columbia Variable Portfolio – Diversified Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.14		$1.07		$1.02		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.11		$1.14		$1.07		$1.02		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		2,008		3,372		2,062		1,102		—		—		—		—

Columbia Variable Portfolio – Dividend Opportunity Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.28		$1.14		$1.21		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.61		$1.28		$1.14		$1.21		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,152		1,085		824		316		—		—		—		—

Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.90		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		296		—		—		—		—		—		—		—


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 99


Variable account charges of 0.85% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006


Columbia Variable Portfolio – Emerging Markets Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.14		$0.95		$1.22		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.11		$1.14		$0.95		$1.22		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,819		1,647		1,374		398		—		—		—		—

Columbia Variable Portfolio – Global Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.14		$1.08		$1.04		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.04		$1.14		$1.08		$1.04		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,425		1,533		865		406		—		—		—		—

Columbia Variable Portfolio – High Yield Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.30		$1.13		$1.08		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.36		$1.30		$1.13		$1.08		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		3,199		3,149		1,786		859		—		—		—		—

Columbia Variable Portfolio – Income Opportunities Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.28		$1.13		$1.07		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.34		$1.28		$1.13		$1.07		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		12,400		1,012		505		123		—		—		—		—

Columbia Variable Portfolio – International Opportunity Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.21		$1.04		$1.19		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.46		$1.21		$1.04		$1.19		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		465		356		349		138		—		—		—		—

Columbia Variable Portfolio – Large Cap Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.38		$1.16		$1.21		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.78		$1.38		$1.16		$1.21		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		409		310		401		75		—		—		—		—

Columbia Variable Portfolio – Large Core Quantitative Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.42		$1.26		$1.21		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.88		$1.42		$1.26		$1.21		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		133		118		80		—		—		—		—		—

Columbia Variable Portfolio – Limited Duration Credit Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.08		$1.02		$1.01		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.08		$1.08		$1.02		$1.01		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		633		469		457		299		—		—		—		—

Columbia Variable Portfolio – Managed Volatility Conservative Fund (Class 2) (11/18/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.00		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		5,181		—		—		—		—		—		—		—

Columbia Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2) (11/18/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.01		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		21,256		—		—		—		—		—		—		—

Columbia Variable Portfolio – Managed Volatility Growth Fund (Class 2) (11/18/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.03		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		446,881		—		—		—		—		—		—		—

Columbia Variable Portfolio – Managed Volatility Moderate Growth Fund (Class 2) (11/18/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.02		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		297,687		—		—		—		—		—		—		—

Columbia Variable Portfolio – Marsico International Opportunities Fund (Class 2) (06/26/2006)
Accumulation unit value at beginning of period		$1.09		$0.94		$1.13		$1.00		$0.73		$1.43		$1.20		$1.00
Accumulation unit value at end of period		$1.30		$1.09		$0.94		$1.13		$1.00		$0.73		$1.43		$1.20
Number of accumulation units outstanding at end of period (000 omitted)		5,975		6,783		8,041		9,469		10,385		10,806		7,134		23,001

Columbia Variable Portfolio – Mid Cap Growth Opportunity Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.18		$1.07		$1.27		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.53		$1.18		$1.07		$1.27		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		194		153		91		12		—		—		—		—

Columbia Variable Portfolio – Mid Cap Value Opportunity Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.34		$1.15		$1.26		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.83		$1.34		$1.15		$1.26		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		394		216		222		75		—		—		—		—

100 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 0.85% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006


Columbia Variable Portfolio – Multi-Strategy Alternatives Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.95		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		393		—		—		—		—		—		—		—

Columbia Variable Portfolio – S&P 500 Index Fund (Class 3) (06/26/2006)
Accumulation unit value at beginning of period		$1.22		$1.06		$1.06		$0.93		$0.74		$1.19		$1.14		$1.00
Accumulation unit value at end of period		$1.59		$1.22		$1.06		$1.06		$0.93		$0.74		$1.19		$1.14
Number of accumulation units outstanding at end of period (000 omitted)		8,860		7,379		6,657		6,003		5,694		4,520		3,380		1,079

Columbia Variable Portfolio – Select Large-Cap Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.37		$1.17		$1.20		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.88		$1.37		$1.17		$1.20		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		230		181		197		23		—		—		—		—

Columbia Variable Portfolio – Select Smaller-Cap Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.35		$1.15		$1.27		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.98		$1.35		$1.15		$1.27		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		119		66		67		17		—		—		—		—

Columbia Variable Portfolio – Strategic Income Fund (Class 2) (04/29/2011)
Accumulation unit value at beginning of period		$1.05		$0.95		$1.00		—		—		—		—		—
Accumulation unit value at end of period		$1.04		$1.05		$0.95		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,677		1,807		1,305		—		—		—		—		—

Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.01		$1.01		$1.00		$1.00		—		—		—		—
Accumulation unit value at end of period		$0.98		$1.01		$1.01		$1.00		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		191		369		466		271		—		—		—		—

DWS Alternative Asset Allocation VIP, Class B (04/30/2012)
Accumulation unit value at beginning of period		$1.00		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.00		$1.00		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		2,058		633		—		—		—		—		—		—

Fidelity^® VIP Contrafund^® Portfolio Service Class 2 (06/26/2006)
Accumulation unit value at beginning of period		$1.25		$1.09		$1.13		$0.97		$0.73		$1.28		$1.10		$1.00
Accumulation unit value at end of period		$1.63		$1.25		$1.09		$1.13		$0.97		$0.73		$1.28		$1.10
Number of accumulation units outstanding at end of period (000 omitted)		43,929		46,775		50,040		52,513		180,001		379,751		246,455		94,738

Fidelity^® VIP Mid Cap Portfolio Service Class 2 (06/26/2006)
Accumulation unit value at beginning of period		$1.33		$1.17		$1.32		$1.04		$0.75		$1.25		$1.09		$1.00
Accumulation unit value at end of period		$1.79		$1.33		$1.17		$1.32		$1.04		$0.75		$1.25		$1.09
Number of accumulation units outstanding at end of period (000 omitted)		34,636		36,939		41,822		44,384		199,837		248,092		127,339		36,125

Fidelity^® VIP Strategic Income Portfolio Service Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,039		—		—		—		—		—		—		—

FTVIPT Franklin Income VIP Fund – Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.07		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,815		—		—		—		—		—		—		—

FTVIPT Franklin Mutual Shares VIP Fund – Class 2 (06/26/2006)
Accumulation unit value at beginning of period		$1.12		$0.99		$1.01		$0.91		$0.73		$1.17		$1.14		$1.00
Accumulation unit value at end of period		$1.42		$1.12		$0.99		$1.01		$0.91		$0.73		$1.17		$1.14
Number of accumulation units outstanding at end of period (000 omitted)		14,378		15,322		16,523		16,807		17,365		17,652		20,093		5,798

FTVIPT Franklin Small Cap Value VIP Fund – Class 2 (06/26/2006)
Accumulation unit value at beginning of period		$1.28		$1.09		$1.14		$0.90		$0.70		$1.06		$1.09		$1.00
Accumulation unit value at end of period		$1.73		$1.28		$1.09		$1.14		$0.90		$0.70		$1.06		$1.09
Number of accumulation units outstanding at end of period (000 omitted)		10,846		11,090		12,614		12,529		13,709		12,625		11,602		4,228

FTVIPT Templeton Global Bond VIP Fund – Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,816		—		—		—		—		—		—		—

Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,391		—		—		—		—		—		—		—


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 101


Variable account charges of 0.85% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006


Ivy Funds VIP Asset Strategy (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.20		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		2,674		—		—		—		—		—		—		—

Janus Aspen Series Flexible Bond Portfolio: Service Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		776		—		—		—		—		—		—		—

Janus Aspen Series Global Allocation Portfolio – Moderate: Service Shares (04/30/2012)
Accumulation unit value at beginning of period		$1.04		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.18		$1.04		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		2,323		63		—		—		—		—		—		—

Janus Aspen Series Janus Portfolio: Service Shares (05/01/2007)
Accumulation unit value at beginning of period		$1.06		$0.90		$0.97		$0.85		$0.63		$1.06		$1.00		—
Accumulation unit value at end of period		$1.37		$1.06		$0.90		$0.97		$0.85		$0.63		$1.06		—
Number of accumulation units outstanding at end of period (000 omitted)		9,620		11,784		13,258		15,295		639,872		430,107		255,815		—

Lazard Retirement Global Dynamic Multi Asset Portfolio – Service Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.12		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		370		—		—		—		—		—		—		—

MFS^® Utilities Series – Service Class (06/26/2006)
Accumulation unit value at beginning of period		$1.70		$1.52		$1.44		$1.28		$0.97		$1.57		$1.24		$1.00
Accumulation unit value at end of period		$2.03		$1.70		$1.52		$1.44		$1.28		$0.97		$1.57		$1.24
Number of accumulation units outstanding at end of period (000 omitted)		16,808		17,920		17,962		16,579		17,912		18,559		16,501		4,446

Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares (06/26/2006)
Accumulation unit value at beginning of period		$1.40		$1.31		$1.42		$1.08		$0.69		$1.31		$1.08		$1.00
Accumulation unit value at end of period		$1.91		$1.40		$1.31		$1.42		$1.08		$0.69		$1.31		$1.08
Number of accumulation units outstanding at end of period (000 omitted)		4,661		5,355		6,756		6,158		5,604		4,975		4,591		17,766

Neuberger Berman Advisers Management Trust Socially Responsive Portfolio (Class S) (06/26/2006)
Accumulation unit value at beginning of period		$1.22		$1.11		$1.15		$0.95		$0.73		$1.21		$1.14		$1.00
Accumulation unit value at end of period		$1.66		$1.22		$1.11		$1.15		$0.95		$0.73		$1.21		$1.14
Number of accumulation units outstanding at end of period (000 omitted)		1,512		1,214		1,392		1,455		1,127		833		629		164

Oppenheimer Global Fund/VA, Service Shares (06/26/2006)
Accumulation unit value at beginning of period		$1.25		$1.04		$1.15		$1.00		$0.73		$1.23		$1.17		$1.00
Accumulation unit value at end of period		$1.58		$1.25		$1.04		$1.15		$1.00		$0.73		$1.23		$1.17
Number of accumulation units outstanding at end of period (000 omitted)		7,968		8,142		8,569		8,021		7,911		7,145		6,835		2,542

Oppenheimer Global Strategic Income Fund/VA, Service Shares (06/26/2006)
Accumulation unit value at beginning of period		$1.49		$1.33		$1.33		$1.17		$1.00		$1.17		$1.08		$1.00
Accumulation unit value at end of period		$1.47		$1.49		$1.33		$1.33		$1.17		$1.00		$1.17		$1.08
Number of accumulation units outstanding at end of period (000 omitted)		47,078		57,221		60,624		65,085		577,448		420,661		316,103		64,310

Oppenheimer Main Street Small Cap Fund^®/VA, Service Shares (06/26/2006)
Accumulation unit value at beginning of period		$1.24		$1.06		$1.10		$0.90		$0.66		$1.08		$1.10		$1.00
Accumulation unit value at end of period		$1.73		$1.24		$1.06		$1.10		$0.90		$0.66		$1.08		$1.10
Number of accumulation units outstanding at end of period (000 omitted)		6,265		6,322		6,884		7,403		8,026		7,814		7,765		3,088

PIMCO VIT All Asset Portfolio, Advisor Class (06/26/2006)
Accumulation unit value at beginning of period		$1.48		$1.30		$1.29		$1.15		$0.96		$1.15		$1.07		$1.00
Accumulation unit value at end of period		$1.47		$1.48		$1.30		$1.29		$1.15		$0.96		$1.15		$1.07
Number of accumulation units outstanding at end of period (000 omitted)		18,682		23,468		20,990		18,465		351,435		346,275		235,995		82,883

PIMCO VIT Global Multi-Asset Managed Allocation Portfolio, Advisor Class (04/30/2012)
Accumulation unit value at beginning of period		$1.03		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$0.94		$1.03		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		286		246		—		—		—		—		—		—

PIMCO VIT Total Return Portfolio, Advisor Class (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.96		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		661		—		—		—		—		—		—		—

Van Eck VIP Global Gold Fund (Class S Shares) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.77		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,001		—		—		—		—		—		—		—

102 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 0.85% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006


Variable Portfolio – Aggressive Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.22		$1.08		$1.12		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.46		$1.22		$1.08		$1.12		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		319,087		288,564		249,264		79,955		—		—		—		—

Variable Portfolio – American Century Diversified Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.11		$1.07		$1.00		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.07		$1.11		$1.07		$1.00		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		637		795		363		370		—		—		—		—

Variable Portfolio – AQR Managed Futures Strategy Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.03		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		700		—		—		—		—		—		—		—

Variable Portfolio – BlackRock Global Inflation-Protected Securities Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.16		$1.11		$1.02		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.09		$1.16		$1.11		$1.02		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		517		1,263		1,140		163		—		—		—		—

Variable Portfolio – Columbia Wanger International Equities Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.25		$1.03		$1.21		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.51		$1.25		$1.03		$1.21		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,114		1,025		924		276		—		—		—		—

Variable Portfolio – Columbia Wanger U.S. Equities Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.44		$1.22		$1.29		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.93		$1.44		$1.22		$1.29		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		884		817		665		199		—		—		—		—

Variable Portfolio – Conservative Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.14		$1.07		$1.05		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.17		$1.14		$1.07		$1.05		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		111,142		179,383		124,664		37,862		—		—		—		—

Variable Portfolio – DFA International Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.09		$0.94		$1.18		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.29		$1.09		$0.94		$1.18		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		640		350		453		143		—		—		—		—

Variable Portfolio – Eaton Vance Floating-Rate Income Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.12		$1.06		$1.05		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.16		$1.12		$1.06		$1.05		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,889		1,208		975		376		—		—		—		—

Variable Portfolio – Goldman Sachs Commodity Strategy Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.92		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		149		—		—		—		—		—		—		—

Variable Portfolio – Holland Large Cap Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.33		$1.20		$1.24		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.72		$1.33		$1.20		$1.24		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		263		261		175		52		—		—		—		—

Variable Portfolio – Invesco International Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.22		$1.07		$1.16		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.44		$1.22		$1.07		$1.16		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		598		408		382		65		—		—		—		—

Variable Portfolio – J.P. Morgan Core Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.10		$1.06		$1.01		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.07		$1.10		$1.06		$1.01		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		763		894		695		369		—		—		—		—

Variable Portfolio – Jennison Mid Cap Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.38		$1.20		$1.19		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.75		$1.38		$1.20		$1.19		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		302		295		206		67		—		—		—		—

Variable Portfolio – Loomis Sayles Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.34		$1.19		$1.21		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.72		$1.34		$1.19		$1.21		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		209		218		92		64		—		—		—		—


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 103


Variable account charges of 0.85% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006


Variable Portfolio – MFS Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.31		$1.14		$1.16		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.77		$1.31		$1.14		$1.16		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		403		284		147		87		—		—		—		—

Variable Portfolio – Moderate Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.20		$1.09		$1.09		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.32		$1.20		$1.09		$1.09		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,702,393		1,710,156		1,372,850		543,150		—		—		—		—

Variable Portfolio – Moderately Aggressive Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.21		$1.09		$1.11		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.39		$1.21		$1.09		$1.11		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,171,461		1,155,594		1,004,346		382,806		—		—		—		—

Variable Portfolio – Moderately Conservative Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.17		$1.08		$1.07		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.24		$1.17		$1.08		$1.07		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		329,279		429,367		310,373		130,486		—		—		—		—

Variable Portfolio – Morgan Stanley Global Real Estate Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.38		$1.07		$1.20		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.41		$1.38		$1.07		$1.20		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,088		1,065		707		214		—		—		—		—

Variable Portfolio – NFJ Dividend Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.36		$1.20		$1.17		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.72		$1.36		$1.20		$1.17		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		379		366		213		15		—		—		—		—

Variable Portfolio – Nuveen Winslow Large Cap Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.37		$1.22		$1.23		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.85		$1.37		$1.22		$1.23		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		170		128		140		11		—		—		—		—

Variable Portfolio – Partners Small Cap Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.40		$1.27		$1.29		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.94		$1.40		$1.27		$1.29		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		166		154		120		—		—		—		—		—

Variable Portfolio – Partners Small Cap Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.31		$1.17		$1.23		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.75		$1.31		$1.17		$1.23		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		234		212		134		73		—		—		—		—

Variable Portfolio – Pyramis^® International Equity Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.21		$1.01		$1.17		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.45		$1.21		$1.01		$1.17		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		234		145		82		9		—		—		—		—

Variable Portfolio – Pyrford International Equity Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.05		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		217		—		—		—		—		—		—		—

Variable Portfolio – Sit Dividend Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.22		$1.11		$1.16		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.55		$1.22		$1.11		$1.16		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		343		296		219		138		—		—		—		—

Variable Portfolio – TCW Core Plus Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.06		$1.05		$1.00		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.02		$1.06		$1.05		$1.00		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		508		824		320		184		—		—		—		—

Variable Portfolio – Victory Established Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.32		$1.14		$1.23		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.78		$1.32		$1.14		$1.23		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		669		752		563		230		—		—		—		—

Variable Portfolio – Wells Fargo Short Duration Government Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.03		$1.02		$1.00		$1.00		—		—		—		—
Accumulation unit value at end of period		$1.01		$1.03		$1.02		$1.00		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		203		218		67		39		—		—		—		—

104 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 0.85% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,					2013		2012		2011		2010		2009		2008		2007		2006


Wells Fargo Advantage VT Opportunity Fund – Class 2 (06/26/2006)
Accumulation unit value at beginning of period						$1.35		$1.18		$1.26		$1.03		$0.70		$1.18		$1.12		$1.00
Accumulation unit value at end of period						$1.75		$1.35		$1.18		$1.26		$1.03		$0.70		$1.18		$1.12
Number of accumulation units outstanding at end of period (000 omitted)						4,561		4,859		5,638		2,066		2,178		1,767		2,129		556

Wells Fargo Advantage VT Small Cap Growth Fund – Class 2 (06/26/2006)
Accumulation unit value at beginning of period						$1.44		$1.35		$1.43		$1.14		$0.75		$1.29		$1.15		$1.00
Accumulation unit value at end of period						$2.15		$1.44		$1.35		$1.43		$1.14		$0.75		$1.29		$1.15
Number of accumulation units outstanding at end of period (000 omitted)						6,304		6,577		7,143		8,077		7,416		5,757		5,179		1,212

Western Asset Variable Global High Yield Bond Portfolio – Class II (04/29/2013)
Accumulation unit value at beginning of period						$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period						$1.01		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)						258		—		—		—		—		—		—		—


Variable account charges of 1.20% of the daily net assets of the variable account.
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


AllianceBernstein VPS Dynamic Asset Allocation Portfolio (Class B) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.06		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		433		—		—		—		—		—		—		—		—		—

AllianceBernstein VPS Large Cap Growth Portfolio (Class B) (07/19/2010)
Accumulation unit value at beginning of period		$1.32		$1.15		$1.21		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.79		$1.32		$1.15		$1.21		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		660		660		250		11		—		—		—		—		—		—

ALPS/Alerian Energy Infrastructure Portfolio: Class III (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.06		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		543		—		—		—		—		—		—		—		—		—

American Century VP Value, Class II (02/13/2002)
Accumulation unit value at beginning of period		$1.56		$1.38		$1.38		$1.24		$1.05		$1.45		$1.54		$1.32		$1.27		$1.13
Accumulation unit value at end of period		$2.02		$1.56		$1.38		$1.38		$1.24		$1.05		$1.45		$1.54		$1.32		$1.27
Number of accumulation units outstanding at end of period (000 omitted)		4,853		4,953		5,339		5,469		6,158		8,079		12,429		15,592		16,716		10,779

BlackRock Global Allocation V.I. Fund (Class III) (04/30/2012)
Accumulation unit value at beginning of period		$1.03		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.16		$1.03		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,906		428		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Balanced Fund (Class 3) (02/13/2002)
Accumulation unit value at beginning of period		$1.45		$1.29		$1.27		$1.14		$0.93		$1.35		$1.34		$1.18		$1.15		$1.07
Accumulation unit value at end of period		$1.74		$1.45		$1.29		$1.27		$1.14		$0.93		$1.35		$1.34		$1.18		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		3,681		3,269		3,744		4,325		6,111		2,378		4,008		3,764		3,085		2,273

Columbia Variable Portfolio – Cash Management Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$0.97		$0.98		$0.99		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$0.96		$0.97		$0.98		$0.99		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		3,841		2,988		3,304		666		—		—		—		—		—		—

Columbia Variable Portfolio – Commodity Strategy Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.92		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		32		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Contrarian Core Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.21		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		342		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Core Bond Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.95		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		45		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Diversified Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.13		$1.07		$1.02		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.09		$1.13		$1.07		$1.02		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		3,597		5,512		3,728		428		—		—		—		—		—		—


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 105


Variable account charges of 1.20% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Columbia Variable Portfolio – Dividend Opportunity Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.27		$1.13		$1.21		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.59		$1.27		$1.13		$1.21		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,739		1,079		901		293		—		—		—		—		—		—

Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.90		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		254		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Emerging Markets Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.13		$0.95		$1.22		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.09		$1.13		$0.95		$1.22		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		2,147		1,444		982		417		—		—		—		—		—		—

Columbia Variable Portfolio – Global Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.13		$1.07		$1.04		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.03		$1.13		$1.07		$1.04		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,916		2,345		1,777		517		—		—		—		—		—		—

Columbia Variable Portfolio – High Yield Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.28		$1.12		$1.08		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.34		$1.28		$1.12		$1.08		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		2,366		2,347		1,717		478		—		—		—		—		—		—

Columbia Variable Portfolio – Income Opportunities Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.27		$1.12		$1.07		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.32		$1.27		$1.12		$1.07		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		5,110		1,881		1,504		171		—		—		—		—		—		—

Columbia Variable Portfolio – International Opportunity Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.20		$1.03		$1.19		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.44		$1.20		$1.03		$1.19		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		674		522		263		53		—		—		—		—		—		—

Columbia Variable Portfolio – Large Cap Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.37		$1.15		$1.21		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.76		$1.37		$1.15		$1.21		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		780		441		347		100		—		—		—		—		—		—

Columbia Variable Portfolio – Large Core Quantitative Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.41		$1.25		$1.21		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.85		$1.41		$1.25		$1.21		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		134		80		49		—		—		—		—		—		—		—

Columbia Variable Portfolio – Limited Duration Credit Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.07		$1.02		$1.01		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.07		$1.07		$1.02		$1.01		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,413		1,113		1,220		145		—		—		—		—		—		—

Columbia Variable Portfolio – Managed Volatility Conservative Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.01		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		3,637		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.04		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		9,694		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Managed Volatility Growth Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.11		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		52,708		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Managed Volatility Moderate Growth Fund (Class 2) (04/30/2012)
Accumulation unit value at beginning of period		$1.02		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.15		$1.02		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		141,007		36,030		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – Marsico International Opportunities Fund (Class 2) (05/01/2006)
Accumulation unit value at beginning of period		$0.94		$0.81		$0.98		$0.87		$0.64		$1.26		$1.06		$1.00		—		—
Accumulation unit value at end of period		$1.12		$0.94		$0.81		$0.98		$0.87		$0.64		$1.26		$1.06		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,243		1,302		1,688		1,766		2,195		2,857		2,426		5,251		—		—

106 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 1.20% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Columbia Variable Portfolio – Mid Cap Growth Opportunity Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.17		$1.06		$1.27		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.51		$1.17		$1.06		$1.27		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		338		175		117		32		—		—		—		—		—		—

Columbia Variable Portfolio – Mid Cap Value Opportunity Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.33		$1.14		$1.26		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.81		$1.33		$1.14		$1.26		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		600		271		231		56		—		—		—		—		—		—

Columbia Variable Portfolio – Multi-Strategy Alternatives Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.95		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		252		—		—		—		—		—		—		—		—		—

Columbia Variable Portfolio – S&P 500 Index Fund (Class 3) (02/13/2002)
Accumulation unit value at beginning of period		$1.34		$1.18		$1.17		$1.03		$0.83		$1.34		$1.29		$1.13		$1.10		$1.01
Accumulation unit value at end of period		$1.75		$1.34		$1.18		$1.17		$1.03		$0.83		$1.34		$1.29		$1.13		$1.10
Number of accumulation units outstanding at end of period (000 omitted)		3,312		2,590		3,038		3,421		4,568		5,854		8,187		9,874		10,825		9,241

Columbia Variable Portfolio – Select Large-Cap Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.36		$1.17		$1.20		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.85		$1.36		$1.17		$1.20		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		427		270		204		40		—		—		—		—		—		—

Columbia Variable Portfolio – Select Smaller-Cap Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.33		$1.15		$1.27		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.96		$1.33		$1.15		$1.27		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		659		471		170		22		—		—		—		—		—		—

Columbia Variable Portfolio – Strategic Income Fund (Class 2) (04/29/2011)
Accumulation unit value at beginning of period		$1.05		$0.95		$1.00		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.03		$1.05		$0.95		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		2,602		3,268		2,125		—		—		—		—		—		—		—

Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.00		$1.00		$1.00		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$0.97		$1.00		$1.00		$1.00		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		745		881		1,095		460		—		—		—		—		—		—

DWS Alternative Asset Allocation VIP, Class B (04/30/2012)
Accumulation unit value at beginning of period		$1.00		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.99		$1.00		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		896		228		—		—		—		—		—		—		—		—

Fidelity^® VIP Contrafund^® Portfolio Service Class 2 (05/01/2006)
Accumulation unit value at beginning of period		$1.15		$1.00		$1.05		$0.90		$0.68		$1.19		$1.03		$1.00		—		—
Accumulation unit value at end of period		$1.49		$1.15		$1.00		$1.05		$0.90		$0.68		$1.19		$1.03		—		—
Number of accumulation units outstanding at end of period (000 omitted)		10,325		10,153		11,122		12,302		15,949		27,515		23,069		20,348		—		—

Fidelity^® VIP Mid Cap Portfolio Service Class 2 (02/13/2002)
Accumulation unit value at beginning of period		$2.33		$2.05		$2.33		$1.84		$1.33		$2.23		$1.95		$1.76		$1.51		$1.23
Accumulation unit value at end of period		$3.12		$2.33		$2.05		$2.33		$1.84		$1.33		$2.23		$1.95		$1.76		$1.51
Number of accumulation units outstanding at end of period (000 omitted)		5,816		6,547		8,022		9,514		14,164		20,610		25,720		32,335		28,423		18,934

Fidelity^® VIP Strategic Income Portfolio Service Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		530		—		—		—		—		—		—		—		—		—

FTVIPT Franklin Income VIP Fund – Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.07		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		864		—		—		—		—		—		—		—		—		—

FTVIPT Franklin Mutual Shares VIP Fund – Class 2 (02/13/2002)
Accumulation unit value at beginning of period		$1.50		$1.33		$1.36		$1.24		$0.99		$1.60		$1.56		$1.34		$1.22		$1.10
Accumulation unit value at end of period		$1.90		$1.50		$1.33		$1.36		$1.24		$0.99		$1.60		$1.56		$1.34		$1.22
Number of accumulation units outstanding at end of period (000 omitted)		2,751		3,107		3,633		4,727		5,705		8,193		12,837		13,922		11,400		7,311

FTVIPT Franklin Small Cap Value VIP Fund – Class 2 (02/13/2002)
Accumulation unit value at beginning of period		$2.09		$1.78		$1.88		$1.48		$1.16		$1.75		$1.82		$1.57		$1.46		$1.20
Accumulation unit value at end of period		$2.81		$2.09		$1.78		$1.88		$1.48		$1.16		$1.75		$1.82		$1.57		$1.46
Number of accumulation units outstanding at end of period (000 omitted)		1,922		2,057		2,496		2,911		3,457		4,647		7,056		8,954		8,682		5,338


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 107


Variable account charges of 1.20% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


FTVIPT Templeton Global Bond VIP Fund – Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		681		—		—		—		—		—		—		—		—		—

Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		2,301		—		—		—		—		—		—		—		—		—

Ivy Funds VIP Asset Strategy (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.20		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,387		—		—		—		—		—		—		—		—		—

Janus Aspen Series Flexible Bond Portfolio: Service Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		243		—		—		—		—		—		—		—		—		—

Janus Aspen Series Global Allocation Portfolio – Moderate: Service Shares (04/30/2012)
Accumulation unit value at beginning of period		$1.04		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.17		$1.04		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		68		—		—		—		—		—		—		—		—		—

Janus Aspen Series Janus Portfolio: Service Shares (05/01/2007)
Accumulation unit value at beginning of period		$1.04		$0.89		$0.95		$0.84		$0.63		$1.06		$1.00		—		—		—
Accumulation unit value at end of period		$1.33		$1.04		$0.89		$0.95		$0.84		$0.63		$1.06		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		904		1,063		1,400		1,827		18,450		16,906		12,686		—		—		—

Lazard Retirement Global Dynamic Multi Asset Portfolio – Service Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.12		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		397		—		—		—		—		—		—		—		—		—

MFS^® Utilities Series – Service Class (02/13/2002)
Accumulation unit value at beginning of period		$2.92		$2.61		$2.48		$2.21		$1.69		$2.74		$2.18		$1.68		$1.46		$1.14
Accumulation unit value at end of period		$3.47		$2.92		$2.61		$2.48		$2.21		$1.69		$2.74		$2.18		$1.68		$1.46
Number of accumulation units outstanding at end of period (000 omitted)		2,644		2,679		2,928		2,748		3,343		4,698		6,370		6,302		5,189		2,575

Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares (05/01/2006)
Accumulation unit value at beginning of period		$1.25		$1.17		$1.28		$0.98		$0.63		$1.19		$0.99		$1.00		—		—
Accumulation unit value at end of period		$1.70		$1.25		$1.17		$1.28		$0.98		$0.63		$1.19		$0.99		—		—
Number of accumulation units outstanding at end of period (000 omitted)		933		1,242		1,686		1,284		1,240		1,487		1,490		3,111		—		—

Neuberger Berman Advisers Management Trust Socially Responsive Portfolio (Class S) (07/19/2010)
Accumulation unit value at beginning of period		$1.24		$1.14		$1.19		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.69		$1.24		$1.14		$1.19		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		158		115		81		17		—		—		—		—		—		—

Oppenheimer Global Fund/VA, Service Shares (02/04/2004)
Accumulation unit value at beginning of period		$1.58		$1.32		$1.46		$1.28		$0.93		$1.58		$1.50		$1.30		$1.15		$1.00
Accumulation unit value at end of period		$1.98		$1.58		$1.32		$1.46		$1.28		$0.93		$1.58		$1.50		$1.30		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		2,554		2,440		2,763		2,966		3,414		4,437		6,986		8,796		5,927		2,391

Oppenheimer Global Strategic Income Fund/VA, Service Shares (02/04/2004)
Accumulation unit value at beginning of period		$1.54		$1.38		$1.38		$1.22		$1.04		$1.23		$1.14		$1.08		$1.06		$1.00
Accumulation unit value at end of period		$1.51		$1.54		$1.38		$1.38		$1.22		$1.04		$1.23		$1.14		$1.08		$1.06
Number of accumulation units outstanding at end of period (000 omitted)		13,581		17,582		20,765		25,920		45,739		58,677		62,902		46,387		23,303		4,223

Oppenheimer Main Street Small Cap Fund^®/VA, Service Shares (02/04/2004)
Accumulation unit value at beginning of period		$1.55		$1.33		$1.38		$1.14		$0.84		$1.37		$1.41		$1.24		$1.15		$1.00
Accumulation unit value at end of period		$2.16		$1.55		$1.33		$1.38		$1.14		$0.84		$1.37		$1.41		$1.24		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		1,577		1,506		1,679		2,099		2,510		3,184		4,773		5,725		3,700		1,477

PIMCO VIT All Asset Portfolio, Advisor Class (05/01/2006)
Accumulation unit value at beginning of period		$1.41		$1.25		$1.24		$1.11		$0.92		$1.11		$1.04		$1.00		—		—
Accumulation unit value at end of period		$1.40		$1.41		$1.25		$1.24		$1.11		$0.92		$1.11		$1.04		—		—
Number of accumulation units outstanding at end of period (000 omitted)		7,334		9,642		8,325		7,492		15,667		18,406		14,755		14,860		—		—

PIMCO VIT Global Multi-Asset Managed Allocation Portfolio, Advisor Class (04/30/2012)
Accumulation unit value at beginning of period		$1.03		$1.00		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.94		$1.03		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		332		233		—		—		—		—		—		—		—		—

108 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 1.20% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


PIMCO VIT Total Return Portfolio, Advisor Class (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.96		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		264		—		—		—		—		—		—		—		—		—

Van Eck VIP Global Gold Fund (Class S Shares) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.77		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		184		—		—		—		—		—		—		—		—		—

Variable Portfolio – Aggressive Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.20		$1.07		$1.12		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.44		$1.20		$1.07		$1.12		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		112,247		95,228		88,245		18,111		—		—		—		—		—		—

Variable Portfolio – American Century Diversified Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.10		$1.06		$1.00		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.06		$1.10		$1.06		$1.00		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		991		1,384		857		109		—		—		—		—		—		—

Variable Portfolio – AQR Managed Futures Strategy Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.03		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		184		—		—		—		—		—		—		—		—		—

Variable Portfolio – BlackRock Global Inflation-Protected Securities Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.15		$1.10		$1.02		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.07		$1.15		$1.10		$1.02		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,311		1,762		1,438		237		—		—		—		—		—		—

Variable Portfolio – Columbia Wanger International Equities Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.24		$1.03		$1.21		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.49		$1.24		$1.03		$1.21		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,717		1,201		943		200		—		—		—		—		—		—

Variable Portfolio – Columbia Wanger U.S. Equities Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.43		$1.21		$1.29		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.90		$1.43		$1.21		$1.29		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		986		818		446		44		—		—		—		—		—		—

Variable Portfolio – Conservative Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.13		$1.06		$1.04		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.15		$1.13		$1.06		$1.04		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		106,272		160,513		106,320		31,375		—		—		—		—		—		—

Variable Portfolio – DFA International Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.08		$0.94		$1.18		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.28		$1.08		$0.94		$1.18		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		929		723		479		118		—		—		—		—		—		—

Variable Portfolio – Eaton Vance Floating-Rate Income Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.11		$1.05		$1.04		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.14		$1.11		$1.05		$1.04		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		5,065		2,672		2,080		490		—		—		—		—		—		—

Variable Portfolio – Goldman Sachs Commodity Strategy Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$0.92		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		86		—		—		—		—		—		—		—		—		—

Variable Portfolio – Holland Large Cap Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.32		$1.19		$1.24		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.70		$1.32		$1.19		$1.24		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		574		528		429		39		—		—		—		—		—		—

Variable Portfolio – Invesco International Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.21		$1.07		$1.16		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.43		$1.21		$1.07		$1.16		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		944		741		433		97		—		—		—		—		—		—

Variable Portfolio – J.P. Morgan Core Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.09		$1.06		$1.00		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.05		$1.09		$1.06		$1.00		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		728		1,316		1,006		184		—		—		—		—		—		—


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 109


Variable account charges of 1.20% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Variable Portfolio – Jennison Mid Cap Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.37		$1.20		$1.19		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.73		$1.37		$1.20		$1.19		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		356		218		225		87		—		—		—		—		—		—

Variable Portfolio – Loomis Sayles Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.33		$1.18		$1.21		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.70		$1.33		$1.18		$1.21		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		247		154		67		14		—		—		—		—		—		—

Variable Portfolio – MFS Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.30		$1.14		$1.15		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.74		$1.30		$1.14		$1.15		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		773		565		344		85		—		—		—		—		—		—

Variable Portfolio – Moderate Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.18		$1.08		$1.09		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.30		$1.18		$1.08		$1.09		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		970,843		983,581		803,653		267,638		—		—		—		—		—		—

Variable Portfolio – Moderately Aggressive Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.20		$1.08		$1.11		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.37		$1.20		$1.08		$1.11		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		448,743		416,636		380,432		98,233		—		—		—		—		—		—

Variable Portfolio – Moderately Conservative Portfolio (Class 2) (05/07/2010)
Accumulation unit value at beginning of period		$1.15		$1.07		$1.07		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.22		$1.15		$1.07		$1.07		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		236,976		315,033		235,332		82,795		—		—		—		—		—		—

Variable Portfolio – Morgan Stanley Global Real Estate Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.37		$1.07		$1.19		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.40		$1.37		$1.07		$1.19		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		1,528		1,004		667		155		—		—		—		—		—		—

Variable Portfolio – NFJ Dividend Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.35		$1.20		$1.17		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.70		$1.35		$1.20		$1.17		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		752		632		401		10		—		—		—		—		—		—

Variable Portfolio – Nuveen Winslow Large Cap Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.36		$1.21		$1.23		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.83		$1.36		$1.21		$1.23		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		198		144		91		—		—		—		—		—		—		—

Variable Portfolio – Partners Small Cap Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.39		$1.27		$1.29		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.92		$1.39		$1.27		$1.29		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		272		178		96		18		—		—		—		—		—		—

Variable Portfolio – Partners Small Cap Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.30		$1.16		$1.23		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.73		$1.30		$1.16		$1.23		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		238		215		165		74		—		—		—		—		—		—

Variable Portfolio – Pyramis^® International Equity Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.20		$1.01		$1.17		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.44		$1.20		$1.01		$1.17		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		347		376		230		6		—		—		—		—		—		—

Variable Portfolio – Pyrford International Equity Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.05		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		36		—		—		—		—		—		—		—		—		—

Variable Portfolio – Sit Dividend Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.21		$1.11		$1.16		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.53		$1.21		$1.11		$1.16		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		424		354		310		38		—		—		—		—		—		—

Variable Portfolio – TCW Core Plus Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.05		$1.04		$1.00		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.01		$1.05		$1.04		$1.00		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		502		637		565		159		—		—		—		—		—		—

110 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 1.20% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010		2009		2008		2007		2006		2005		2004


Variable Portfolio – Victory Established Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.31		$1.13		$1.23		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.76		$1.31		$1.13		$1.23		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		560		544		381		67		—		—		—		—		—		—

Variable Portfolio – Wells Fargo Short Duration Government Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.02		$1.01		$1.00		$1.00		—		—		—		—		—		—
Accumulation unit value at end of period		$1.00		$1.02		$1.01		$1.00		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		335		395		320		163		—		—		—		—		—		—

Wells Fargo Advantage VT Opportunity Fund – Class 2 (02/13/2002)
Accumulation unit value at beginning of period		$1.65		$1.45		$1.55		$1.27		$0.87		$1.47		$1.39		$1.25		$1.18		$1.01
Accumulation unit value at end of period		$2.13		$1.65		$1.45		$1.55		$1.27		$0.87		$1.47		$1.39		$1.25		$1.18
Number of accumulation units outstanding at end of period (000 omitted)		1,074		1,295		1,577		941		1,067		1,472		2,414		3,081		3,829		3,698

Wells Fargo Advantage VT Small Cap Growth Fund – Class 2 (02/13/2002)
Accumulation unit value at beginning of period		$1.65		$1.55		$1.65		$1.31		$0.87		$1.51		$1.34		$1.10		$1.05		$0.94
Accumulation unit value at end of period		$2.46		$1.65		$1.55		$1.65		$1.31		$0.87		$1.51		$1.34		$1.10		$1.05
Number of accumulation units outstanding at end of period (000 omitted)		1,040		1,006		1,106		1,331		1,388		1,360		1,799		1,527		1,557		1,643

Western Asset Variable Global High Yield Bond Portfolio – Class II (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—		—		—		—		—		—		—
Accumulation unit value at end of period		$1.01		—		—		—		—		—		—		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		47		—		—		—		—		—		—		—		—		—


Variable account charges of 1.35% of the daily net assets of the variable account.
Year ended Dec. 31,													2013		2012		2011		2010


AllianceBernstein VPS Dynamic Asset Allocation Portfolio (Class B) (04/29/2013)
Accumulation unit value at beginning of period														$1.00		—		—		—
Accumulation unit value at end of period														$1.06		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)														22		—		—		—

AllianceBernstein VPS Large Cap Growth Portfolio (Class B) (07/19/2010)
Accumulation unit value at beginning of period														$1.32		$1.15		$1.21		$1.00
Accumulation unit value at end of period														$1.78		$1.32		$1.15		$1.21
Number of accumulation units outstanding at end of period (000 omitted)														113		79		42		2

ALPS/Alerian Energy Infrastructure Portfolio: Class III (04/30/2013)
Accumulation unit value at beginning of period														$1.00		—		—		—
Accumulation unit value at end of period														$1.06		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)														247		—		—		—

American Century VP Value, Class II (07/19/2010)
Accumulation unit value at beginning of period														$1.30		$1.15		$1.16		$1.00
Accumulation unit value at end of period														$1.69		$1.30		$1.15		$1.16
Number of accumulation units outstanding at end of period (000 omitted)														679		327		255		127

BlackRock Global Allocation V.I. Fund (Class III) (04/30/2012)
Accumulation unit value at beginning of period														$1.03		$1.00		—		—
Accumulation unit value at end of period														$1.16		$1.03		—		—
Number of accumulation units outstanding at end of period (000 omitted)														657		51		—		—

Columbia Variable Portfolio – Balanced Fund (Class 3) (07/19/2010)
Accumulation unit value at beginning of period														$1.30		$1.15		$1.14		$1.00
Accumulation unit value at end of period														$1.56		$1.30		$1.15		$1.14
Number of accumulation units outstanding at end of period (000 omitted)														242		57		69		—

Columbia Variable Portfolio – Cash Management Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period														$0.97		$0.98		$0.99		$1.00
Accumulation unit value at end of period														$0.95		$0.97		$0.98		$0.99
Number of accumulation units outstanding at end of period (000 omitted)														1,916		306		1,336		340

Columbia Variable Portfolio – Commodity Strategy Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period														$1.00		—		—		—
Accumulation unit value at end of period														$0.92		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)														16		—		—		—

Columbia Variable Portfolio – Contrarian Core Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period														$1.00		—		—		—
Accumulation unit value at end of period														$1.21		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)														352		—		—		—


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 111


Variable account charges of 1.35% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010


Columbia Variable Portfolio – Core Bond Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.95		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		95		—		—		—

Columbia Variable Portfolio – Diversified Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.13		$1.07		$1.02		$1.00
Accumulation unit value at end of period		$1.09		$1.13		$1.07		$1.02
Number of accumulation units outstanding at end of period (000 omitted)		579		903		707		306

Columbia Variable Portfolio – Dividend Opportunity Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.27		$1.13		$1.21		$1.00
Accumulation unit value at end of period		$1.58		$1.27		$1.13		$1.21
Number of accumulation units outstanding at end of period (000 omitted)		591		136		287		38

Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.90		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		61		—		—		—

Columbia Variable Portfolio – Emerging Markets Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.12		$0.95		$1.22		$1.00
Accumulation unit value at end of period		$1.09		$1.12		$0.95		$1.22
Number of accumulation units outstanding at end of period (000 omitted)		565		177		110		33

Columbia Variable Portfolio – Global Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.12		$1.07		$1.04		$1.00
Accumulation unit value at end of period		$1.02		$1.12		$1.07		$1.04
Number of accumulation units outstanding at end of period (000 omitted)		239		241		301		97

Columbia Variable Portfolio – High Yield Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.28		$1.12		$1.08		$1.00
Accumulation unit value at end of period		$1.34		$1.28		$1.12		$1.08
Number of accumulation units outstanding at end of period (000 omitted)		827		262		294		121

Columbia Variable Portfolio – Income Opportunities Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.27		$1.12		$1.07		$1.00
Accumulation unit value at end of period		$1.31		$1.27		$1.12		$1.07
Number of accumulation units outstanding at end of period (000 omitted)		753		269		155		59

Columbia Variable Portfolio – International Opportunity Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.19		$1.03		$1.19		$1.00
Accumulation unit value at end of period		$1.44		$1.19		$1.03		$1.19
Number of accumulation units outstanding at end of period (000 omitted)		176		37		25		10

Columbia Variable Portfolio – Large Cap Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.36		$1.15		$1.21		$1.00
Accumulation unit value at end of period		$1.75		$1.36		$1.15		$1.21
Number of accumulation units outstanding at end of period (000 omitted)		140		45		40		38

Columbia Variable Portfolio – Large Core Quantitative Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.40		$1.25		$1.20		$1.00
Accumulation unit value at end of period		$1.85		$1.40		$1.25		$1.20
Number of accumulation units outstanding at end of period (000 omitted)		245		64		10		13

Columbia Variable Portfolio – Limited Duration Credit Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.06		$1.02		$1.01		$1.00
Accumulation unit value at end of period		$1.06		$1.06		$1.02		$1.01
Number of accumulation units outstanding at end of period (000 omitted)		328		233		483		27

Columbia Variable Portfolio – Managed Volatility Conservative Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.01		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		2,818		—		—		—

Columbia Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.04		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		13,385		—		—		—

Columbia Variable Portfolio – Managed Volatility Growth Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.11		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		39,275		—		—		—

112 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 1.35% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010


Columbia Variable Portfolio – Managed Volatility Moderate Growth Fund (Class 2) (04/30/2012)
Accumulation unit value at beginning of period		$1.02		$1.00		—		—
Accumulation unit value at end of period		$1.15		$1.02		—		—
Number of accumulation units outstanding at end of period (000 omitted)		80,023		5,866		—		—

Columbia Variable Portfolio – Marsico International Opportunities Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.17		$1.01		$1.22		$1.00
Accumulation unit value at end of period		$1.39		$1.17		$1.01		$1.22
Number of accumulation units outstanding at end of period (000 omitted)		154		42		37		5

Columbia Variable Portfolio – Mid Cap Growth Opportunity Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.16		$1.06		$1.27		$1.00
Accumulation unit value at end of period		$1.50		$1.16		$1.06		$1.27
Number of accumulation units outstanding at end of period (000 omitted)		76		19		17		6

Columbia Variable Portfolio – Mid Cap Value Opportunity Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.33		$1.14		$1.26		$1.00
Accumulation unit value at end of period		$1.80		$1.33		$1.14		$1.26
Number of accumulation units outstanding at end of period (000 omitted)		141		10		2		—

Columbia Variable Portfolio – Multi-Strategy Alternatives Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.95		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		167		—		—		—

Columbia Variable Portfolio – S&P 500 Index Fund (Class 3) (07/19/2010)
Accumulation unit value at beginning of period		$1.34		$1.18		$1.18		$1.00
Accumulation unit value at end of period		$1.75		$1.34		$1.18		$1.18
Number of accumulation units outstanding at end of period (000 omitted)		558		94		240		66

Columbia Variable Portfolio – Select Large-Cap Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.36		$1.16		$1.20		$1.00
Accumulation unit value at end of period		$1.84		$1.36		$1.16		$1.20
Number of accumulation units outstanding at end of period (000 omitted)		155		15		17		2

Columbia Variable Portfolio – Select Smaller-Cap Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.33		$1.15		$1.27		$1.00
Accumulation unit value at end of period		$1.95		$1.33		$1.15		$1.27
Number of accumulation units outstanding at end of period (000 omitted)		109		59		55		3

Columbia Variable Portfolio – Strategic Income Fund (Class 2) (04/29/2011)
Accumulation unit value at beginning of period		$1.04		$0.94		$1.00		—
Accumulation unit value at end of period		$1.03		$1.04		$0.94		—
Number of accumulation units outstanding at end of period (000 omitted)		762		648		520		—

Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.00		$1.00		$1.00		$1.00
Accumulation unit value at end of period		$0.97		$1.00		$1.00		$1.00
Number of accumulation units outstanding at end of period (000 omitted)		271		587		713		147

DWS Alternative Asset Allocation VIP, Class B (04/30/2012)
Accumulation unit value at beginning of period		$1.00		$1.00		—		—
Accumulation unit value at end of period		$0.99		$1.00		—		—
Number of accumulation units outstanding at end of period (000 omitted)		349		—		—		—

Fidelity^® VIP Contrafund^® Portfolio Service Class 2 (07/19/2010)
Accumulation unit value at beginning of period		$1.32		$1.15		$1.20		$1.00
Accumulation unit value at end of period		$1.71		$1.32		$1.15		$1.20
Number of accumulation units outstanding at end of period (000 omitted)		1,060		391		337		51

Fidelity^® VIP Mid Cap Portfolio Service Class 2 (07/19/2010)
Accumulation unit value at beginning of period		$1.23		$1.09		$1.24		$1.00
Accumulation unit value at end of period		$1.65		$1.23		$1.09		$1.24
Number of accumulation units outstanding at end of period (000 omitted)		546		299		348		58

Fidelity^® VIP Strategic Income Portfolio Service Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		147		—		—		—

FTVIPT Franklin Income VIP Fund – Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.07		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		344		—		—		—


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 113


Variable account charges of 1.35% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010


FTVIPT Franklin Mutual Shares VIP Fund – Class 2 (07/19/2010)
Accumulation unit value at beginning of period		$1.23		$1.09		$1.12		$1.00
Accumulation unit value at end of period		$1.56		$1.23		$1.09		$1.12
Number of accumulation units outstanding at end of period (000 omitted)		196		135		99		15

FTVIPT Franklin Small Cap Value VIP Fund – Class 2 (07/19/2010)
Accumulation unit value at beginning of period		$1.44		$1.24		$1.30		$1.00
Accumulation unit value at end of period		$1.94		$1.44		$1.24		$1.30
Number of accumulation units outstanding at end of period (000 omitted)		205		99		78		20

FTVIPT Templeton Global Bond VIP Fund – Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		176		—		—		—

Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		866		—		—		—

Ivy Funds VIP Asset Strategy (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.20		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		950		—		—		—

Janus Aspen Series Flexible Bond Portfolio: Service Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		64		—		—		—

Janus Aspen Series Global Allocation Portfolio – Moderate: Service Shares (04/30/2012)
Accumulation unit value at beginning of period		$1.03		$1.00		—		—
Accumulation unit value at end of period		$1.17		$1.03		—		—
Number of accumulation units outstanding at end of period (000 omitted)		3		—		—		—

Janus Aspen Series Janus Portfolio: Service Shares (07/19/2010)
Accumulation unit value at beginning of period		$1.27		$1.09		$1.17		$1.00
Accumulation unit value at end of period		$1.63		$1.27		$1.09		$1.17
Number of accumulation units outstanding at end of period (000 omitted)		106		34		36		11

Lazard Retirement Global Dynamic Multi Asset Portfolio – Service Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.12		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		140		—		—		—

MFS^® Utilities Series – Service Class (07/19/2010)
Accumulation unit value at beginning of period		$1.37		$1.23		$1.17		$1.00
Accumulation unit value at end of period		$1.63		$1.37		$1.23		$1.17
Number of accumulation units outstanding at end of period (000 omitted)		330		175		137		21

Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares (07/19/2010)
Accumulation unit value at beginning of period		$1.23		$1.15		$1.26		$1.00
Accumulation unit value at end of period		$1.67		$1.23		$1.15		$1.26
Number of accumulation units outstanding at end of period (000 omitted)		253		54		41		5

Neuberger Berman Advisers Management Trust Socially Responsive Portfolio (Class S) (07/19/2010)
Accumulation unit value at beginning of period		$1.24		$1.13		$1.19		$1.00
Accumulation unit value at end of period		$1.68		$1.24		$1.13		$1.19
Number of accumulation units outstanding at end of period (000 omitted)		59		2		2		—

Oppenheimer Global Fund/VA, Service Shares (07/19/2010)
Accumulation unit value at beginning of period		$1.28		$1.07		$1.19		$1.00
Accumulation unit value at end of period		$1.60		$1.28		$1.07		$1.19
Number of accumulation units outstanding at end of period (000 omitted)		632		239		227		166

Oppenheimer Global Strategic Income Fund/VA, Service Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.97		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		187		—		—		—

Oppenheimer Main Street Small Cap Fund^®/VA, Service Shares (07/19/2010)
Accumulation unit value at beginning of period		$1.37		$1.18		$1.22		$1.00
Accumulation unit value at end of period		$1.90		$1.37		$1.18		$1.22
Number of accumulation units outstanding at end of period (000 omitted)		254		45		81		18

114 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 1.35% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010


PIMCO VIT All Asset Portfolio, Advisor Class (07/19/2010)
Accumulation unit value at beginning of period		$1.21		$1.07		$1.06		$1.00
Accumulation unit value at end of period		$1.19		$1.21		$1.07		$1.06
Number of accumulation units outstanding at end of period (000 omitted)		576		441		482		194

PIMCO VIT Global Multi-Asset Managed Allocation Portfolio, Advisor Class (04/30/2012)
Accumulation unit value at beginning of period		$1.03		$1.00		—		—
Accumulation unit value at end of period		$0.93		$1.03		—		—
Number of accumulation units outstanding at end of period (000 omitted)		127		—		—		—

PIMCO VIT Total Return Portfolio, Advisor Class (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.96		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		170		—		—		—

Van Eck VIP Global Gold Fund (Class S Shares) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.76		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		51		—		—		—

Variable Portfolio – Aggressive Portfolio (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.25		$1.11		$1.16		$1.00
Accumulation unit value at end of period		$1.49		$1.25		$1.11		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		2,833		1,197		1,022		302

Variable Portfolio – American Century Diversified Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.09		$1.06		$1.00		$1.00
Accumulation unit value at end of period		$1.05		$1.09		$1.06		$1.00
Number of accumulation units outstanding at end of period (000 omitted)		342		392		239		54

Variable Portfolio – AQR Managed Futures Strategy Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.03		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		52		—		—		—

Variable Portfolio – BlackRock Global Inflation-Protected Securities Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.15		$1.10		$1.02		$1.00
Accumulation unit value at end of period		$1.07		$1.15		$1.10		$1.02
Number of accumulation units outstanding at end of period (000 omitted)		300		390		359		187

Variable Portfolio – Columbia Wanger International Equities Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.23		$1.03		$1.21		$1.00
Accumulation unit value at end of period		$1.48		$1.23		$1.03		$1.21
Number of accumulation units outstanding at end of period (000 omitted)		393		59		76		28

Variable Portfolio – Columbia Wanger U.S. Equities Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.42		$1.21		$1.29		$1.00
Accumulation unit value at end of period		$1.89		$1.42		$1.21		$1.29
Number of accumulation units outstanding at end of period (000 omitted)		311		127		122		8

Variable Portfolio – Conservative Portfolio (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.13		$1.07		$1.05		$1.00
Accumulation unit value at end of period		$1.15		$1.13		$1.07		$1.05
Number of accumulation units outstanding at end of period (000 omitted)		11,471		14,119		11,499		3,209

Variable Portfolio – DFA International Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.08		$0.93		$1.18		$1.00
Accumulation unit value at end of period		$1.27		$1.08		$0.93		$1.18
Number of accumulation units outstanding at end of period (000 omitted)		192		23		123		31

Variable Portfolio – Eaton Vance Floating-Rate Income Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.11		$1.05		$1.04		$1.00
Accumulation unit value at end of period		$1.14		$1.11		$1.05		$1.04
Number of accumulation units outstanding at end of period (000 omitted)		1,736		1,135		969		100

Variable Portfolio – Goldman Sachs Commodity Strategy Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.92		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		32		—		—		—

Variable Portfolio – Holland Large Cap Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.31		$1.19		$1.24		$1.00
Accumulation unit value at end of period		$1.69		$1.31		$1.19		$1.24
Number of accumulation units outstanding at end of period (000 omitted)		125		121		81		11


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 115


Variable account charges of 1.35% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010


Variable Portfolio – Invesco International Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.21		$1.06		$1.16		$1.00
Accumulation unit value at end of period		$1.42		$1.21		$1.06		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		99		113		237		52

Variable Portfolio – J.P. Morgan Core Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.09		$1.06		$1.00		$1.00
Accumulation unit value at end of period		$1.05		$1.09		$1.06		$1.00
Number of accumulation units outstanding at end of period (000 omitted)		279		173		167		30

Variable Portfolio – Jennison Mid Cap Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.37		$1.19		$1.19		$1.00
Accumulation unit value at end of period		$1.72		$1.37		$1.19		$1.19
Number of accumulation units outstanding at end of period (000 omitted)		134		33		23		12

Variable Portfolio – Loomis Sayles Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.33		$1.18		$1.21		$1.00
Accumulation unit value at end of period		$1.69		$1.33		$1.18		$1.21
Number of accumulation units outstanding at end of period (000 omitted)		97		60		24		7

Variable Portfolio – MFS Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.30		$1.14		$1.15		$1.00
Accumulation unit value at end of period		$1.74		$1.30		$1.14		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		167		54		58		10

Variable Portfolio – Moderate Portfolio (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.20		$1.09		$1.11		$1.00
Accumulation unit value at end of period		$1.32		$1.20		$1.09		$1.11
Number of accumulation units outstanding at end of period (000 omitted)		48,448		30,878		28,107		8,015

Variable Portfolio – Moderately Aggressive Portfolio (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.22		$1.10		$1.13		$1.00
Accumulation unit value at end of period		$1.40		$1.22		$1.10		$1.13
Number of accumulation units outstanding at end of period (000 omitted)		18,700		9,398		9,272		1,891

Variable Portfolio – Moderately Conservative Portfolio (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.16		$1.08		$1.08		$1.00
Accumulation unit value at end of period		$1.23		$1.16		$1.08		$1.08
Number of accumulation units outstanding at end of period (000 omitted)		19,853		19,190		14,556		4,109

Variable Portfolio – Morgan Stanley Global Real Estate Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.37		$1.06		$1.19		$1.00
Accumulation unit value at end of period		$1.39		$1.37		$1.06		$1.19
Number of accumulation units outstanding at end of period (000 omitted)		364		207		241		49

Variable Portfolio – NFJ Dividend Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.34		$1.19		$1.17		$1.00
Accumulation unit value at end of period		$1.69		$1.34		$1.19		$1.17
Number of accumulation units outstanding at end of period (000 omitted)		227		101		28		3

Variable Portfolio – Nuveen Winslow Large Cap Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.35		$1.21		$1.23		$1.00
Accumulation unit value at end of period		$1.82		$1.35		$1.21		$1.23
Number of accumulation units outstanding at end of period (000 omitted)		80		6		8		6

Variable Portfolio – Partners Small Cap Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.38		$1.26		$1.29		$1.00
Accumulation unit value at end of period		$1.91		$1.38		$1.26		$1.29
Number of accumulation units outstanding at end of period (000 omitted)		20		7		8		1

Variable Portfolio – Partners Small Cap Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.29		$1.16		$1.23		$1.00
Accumulation unit value at end of period		$1.72		$1.29		$1.16		$1.23
Number of accumulation units outstanding at end of period (000 omitted)		60		41		17		21

Variable Portfolio – Pyramis^® International Equity Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.19		$1.00		$1.17		$1.00
Accumulation unit value at end of period		$1.43		$1.19		$1.00		$1.17
Number of accumulation units outstanding at end of period (000 omitted)		195		23		123		38

Variable Portfolio – Pyrford International Equity Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.05		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		30		—		—		—

116 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 1.35% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010


Variable Portfolio – Sit Dividend Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.21		$1.10		$1.16		$1.00
Accumulation unit value at end of period		$1.52		$1.21		$1.10		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		122		33		22		3

Variable Portfolio – TCW Core Plus Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.04		$1.04		$1.00		$1.00
Accumulation unit value at end of period		$1.01		$1.04		$1.04		$1.00
Number of accumulation units outstanding at end of period (000 omitted)		80		89		84		4

Variable Portfolio – Victory Established Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.31		$1.13		$1.23		$1.00
Accumulation unit value at end of period		$1.75		$1.31		$1.13		$1.23
Number of accumulation units outstanding at end of period (000 omitted)		202		91		149		8

Variable Portfolio – Wells Fargo Short Duration Government Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.01		$1.01		$1.00		$1.00
Accumulation unit value at end of period		$1.00		$1.01		$1.01		$1.00
Number of accumulation units outstanding at end of period (000 omitted)		273		175		132		11

Wells Fargo Advantage VT Opportunity Fund – Class 2 (07/19/2010)
Accumulation unit value at beginning of period		$1.30		$1.14		$1.23		$1.00
Accumulation unit value at end of period		$1.68		$1.30		$1.14		$1.23
Number of accumulation units outstanding at end of period (000 omitted)		52		33		12		2

Wells Fargo Advantage VT Small Cap Growth Fund – Class 2 (07/19/2010)
Accumulation unit value at beginning of period		$1.28		$1.20		$1.28		$1.00
Accumulation unit value at end of period		$1.90		$1.28		$1.20		$1.28
Number of accumulation units outstanding at end of period (000 omitted)		263		57		56		6

Western Asset Variable Global High Yield Bond Portfolio – Class II (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.01		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		26		—		—		—


Variable account charges of 1.40% of the daily net assets of the variable account.
Year ended Dec. 31,	2013		2012		2011		2010


AllianceBernstein VPS Dynamic Asset Allocation Portfolio (Class B) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.06		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

AllianceBernstein VPS Large Cap Growth Portfolio (Class B) (07/19/2010)
Accumulation unit value at beginning of period		$1.32		$1.15		$1.21		$1.00
Accumulation unit value at end of period		$1.78		$1.32		$1.15		$1.21
Number of accumulation units outstanding at end of period (000 omitted)		34		24		10		—

ALPS/Alerian Energy Infrastructure Portfolio: Class III (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.06		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		170		—		—		—

American Century VP Value, Class II (07/19/2010)
Accumulation unit value at beginning of period		$1.30		$1.15		$1.16		$1.00
Accumulation unit value at end of period		$1.69		$1.30		$1.15		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		166		154		49		—

BlackRock Global Allocation V.I. Fund (Class III) (04/30/2012)
Accumulation unit value at beginning of period		$1.03		$1.00		—		—
Accumulation unit value at end of period		$1.16		$1.03		—		—
Number of accumulation units outstanding at end of period (000 omitted)		534		149		—		—

Columbia Variable Portfolio – Balanced Fund (Class 3) (07/19/2010)
Accumulation unit value at beginning of period		$1.30		$1.15		$1.14		$1.00
Accumulation unit value at end of period		$1.55		$1.30		$1.15		$1.14
Number of accumulation units outstanding at end of period (000 omitted)		434		177		—		—

Columbia Variable Portfolio – Cash Management Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$0.97		$0.98		$0.99		$1.00
Accumulation unit value at end of period		$0.95		$0.97		$0.98		$0.99
Number of accumulation units outstanding at end of period (000 omitted)		466		234		219		—


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 117


Variable account charges of 1.40% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010


Columbia Variable Portfolio – Commodity Strategy Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.92		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Columbia Variable Portfolio – Contrarian Core Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.21		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		23		—		—		—

Columbia Variable Portfolio – Core Bond Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.95		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Columbia Variable Portfolio – Diversified Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.13		$1.07		$1.01		$1.00
Accumulation unit value at end of period		$1.09		$1.13		$1.07		$1.01
Number of accumulation units outstanding at end of period (000 omitted)		868		511		46		7

Columbia Variable Portfolio – Dividend Opportunity Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.27		$1.13		$1.21		$1.00
Accumulation unit value at end of period		$1.58		$1.27		$1.13		$1.21
Number of accumulation units outstanding at end of period (000 omitted)		555		165		26		—

Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.90		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		51		—		—		—

Columbia Variable Portfolio – Emerging Markets Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.12		$0.95		$1.22		$1.00
Accumulation unit value at end of period		$1.09		$1.12		$0.95		$1.22
Number of accumulation units outstanding at end of period (000 omitted)		435		217		131		65

Columbia Variable Portfolio – Global Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.12		$1.07		$1.04		$1.00
Accumulation unit value at end of period		$1.02		$1.12		$1.07		$1.04
Number of accumulation units outstanding at end of period (000 omitted)		409		225		86		17

Columbia Variable Portfolio – High Yield Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.28		$1.12		$1.08		$1.00
Accumulation unit value at end of period		$1.34		$1.28		$1.12		$1.08
Number of accumulation units outstanding at end of period (000 omitted)		449		288		93		6

Columbia Variable Portfolio – Income Opportunities Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.27		$1.12		$1.07		$1.00
Accumulation unit value at end of period		$1.31		$1.27		$1.12		$1.07
Number of accumulation units outstanding at end of period (000 omitted)		698		185		49		—

Columbia Variable Portfolio – International Opportunity Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.19		$1.03		$1.19		$1.00
Accumulation unit value at end of period		$1.43		$1.19		$1.03		$1.19
Number of accumulation units outstanding at end of period (000 omitted)		45		42		23		1

Columbia Variable Portfolio – Large Cap Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.36		$1.15		$1.21		$1.00
Accumulation unit value at end of period		$1.74		$1.36		$1.15		$1.21
Number of accumulation units outstanding at end of period (000 omitted)		115		112		24		13

Columbia Variable Portfolio – Large Core Quantitative Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.40		$1.25		$1.20		$1.00
Accumulation unit value at end of period		$1.84		$1.40		$1.25		$1.20
Number of accumulation units outstanding at end of period (000 omitted)		30		4		—		—

Columbia Variable Portfolio – Limited Duration Credit Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.06		$1.02		$1.01		$1.00
Accumulation unit value at end of period		$1.06		$1.06		$1.02		$1.01
Number of accumulation units outstanding at end of period (000 omitted)		610		191		—		—

Columbia Variable Portfolio – Managed Volatility Conservative Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.01		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		275		—		—		—

118 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 1.40% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010


Columbia Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.04		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Columbia Variable Portfolio – Managed Volatility Growth Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.11		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		604		—		—		—

Columbia Variable Portfolio – Managed Volatility Moderate Growth Fund (Class 2) (04/30/2012)
Accumulation unit value at beginning of period		$1.02		$1.00		—		—
Accumulation unit value at end of period		$1.15		$1.02		—		—
Number of accumulation units outstanding at end of period (000 omitted)		35,461		24,797		—		—

Columbia Variable Portfolio – Marsico International Opportunities Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.17		$1.01		$1.22		$1.00
Accumulation unit value at end of period		$1.39		$1.17		$1.01		$1.22
Number of accumulation units outstanding at end of period (000 omitted)		105		98		56		34

Columbia Variable Portfolio – Mid Cap Growth Opportunity Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.16		$1.06		$1.27		$1.00
Accumulation unit value at end of period		$1.50		$1.16		$1.06		$1.27
Number of accumulation units outstanding at end of period (000 omitted)		59		49		7		—

Columbia Variable Portfolio – Mid Cap Value Opportunity Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.33		$1.14		$1.26		$1.00
Accumulation unit value at end of period		$1.80		$1.33		$1.14		$1.26
Number of accumulation units outstanding at end of period (000 omitted)		107		33		9		—

Columbia Variable Portfolio – Multi-Strategy Alternatives Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.95		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		8		—		—		—

Columbia Variable Portfolio – S&P 500 Index Fund (Class 3) (07/19/2010)
Accumulation unit value at beginning of period		$1.34		$1.18		$1.18		$1.00
Accumulation unit value at end of period		$1.74		$1.34		$1.18		$1.18
Number of accumulation units outstanding at end of period (000 omitted)		235		335		1		—

Columbia Variable Portfolio – Select Large-Cap Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.36		$1.16		$1.20		$1.00
Accumulation unit value at end of period		$1.84		$1.36		$1.16		$1.20
Number of accumulation units outstanding at end of period (000 omitted)		54		43		9		—

Columbia Variable Portfolio – Select Smaller-Cap Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.33		$1.14		$1.27		$1.00
Accumulation unit value at end of period		$1.94		$1.33		$1.14		$1.27
Number of accumulation units outstanding at end of period (000 omitted)		63		60		27		—

Columbia Variable Portfolio – Strategic Income Fund (Class 2) (04/29/2011)
Accumulation unit value at beginning of period		$1.04		$0.94		$1.00		—
Accumulation unit value at end of period		$1.03		$1.04		$0.94		—
Number of accumulation units outstanding at end of period (000 omitted)		618		454		148		—

Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.00		$1.00		$1.00		$1.00
Accumulation unit value at end of period		$0.96		$1.00		$1.00		$1.00
Number of accumulation units outstanding at end of period (000 omitted)		119		12		6		6

DWS Alternative Asset Allocation VIP, Class B (04/30/2012)
Accumulation unit value at beginning of period		$1.00		$1.00		—		—
Accumulation unit value at end of period		$0.99		$1.00		—		—
Number of accumulation units outstanding at end of period (000 omitted)		177		80		—		—

Fidelity^® VIP Contrafund^® Portfolio Service Class 2 (07/19/2010)
Accumulation unit value at beginning of period		$1.32		$1.15		$1.20		$1.00
Accumulation unit value at end of period		$1.70		$1.32		$1.15		$1.20
Number of accumulation units outstanding at end of period (000 omitted)		579		341		164		80

Fidelity^® VIP Mid Cap Portfolio Service Class 2 (07/19/2010)
Accumulation unit value at beginning of period		$1.23		$1.09		$1.24		$1.00
Accumulation unit value at end of period		$1.65		$1.23		$1.09		$1.24
Number of accumulation units outstanding at end of period (000 omitted)		232		128		20		15


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 119


Variable account charges of 1.40% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010


Fidelity^® VIP Strategic Income Portfolio Service Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		118		—		—		—

FTVIPT Franklin Income VIP Fund – Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.07		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		110		—		—		—

FTVIPT Franklin Mutual Shares VIP Fund – Class 2 (07/19/2010)
Accumulation unit value at beginning of period		$1.23		$1.09		$1.12		$1.00
Accumulation unit value at end of period		$1.55		$1.23		$1.09		$1.12
Number of accumulation units outstanding at end of period (000 omitted)		41		39		30		—

FTVIPT Franklin Small Cap Value VIP Fund – Class 2 (07/19/2010)
Accumulation unit value at beginning of period		$1.44		$1.24		$1.30		$1.00
Accumulation unit value at end of period		$1.94		$1.44		$1.24		$1.30
Number of accumulation units outstanding at end of period (000 omitted)		73		19		18		9

FTVIPT Templeton Global Bond VIP Fund – Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		14		—		—		—

Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		165		—		—		—

Ivy Funds VIP Asset Strategy (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.20		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		205		—		—		—

Janus Aspen Series Flexible Bond Portfolio: Service Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		2		—		—		—

Janus Aspen Series Global Allocation Portfolio – Moderate: Service Shares (04/30/2012)
Accumulation unit value at beginning of period		$1.03		$1.00		—		—
Accumulation unit value at end of period		$1.17		$1.03		—		—
Number of accumulation units outstanding at end of period (000 omitted)		95		14		—		—

Janus Aspen Series Janus Portfolio: Service Shares (07/19/2010)
Accumulation unit value at beginning of period		$1.27		$1.09		$1.17		$1.00
Accumulation unit value at end of period		$1.63		$1.27		$1.09		$1.17
Number of accumulation units outstanding at end of period (000 omitted)		4		—		9		9

Lazard Retirement Global Dynamic Multi Asset Portfolio – Service Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.12		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

MFS^® Utilities Series – Service Class (07/19/2010)
Accumulation unit value at beginning of period		$1.37		$1.23		$1.17		$1.00
Accumulation unit value at end of period		$1.63		$1.37		$1.23		$1.17
Number of accumulation units outstanding at end of period (000 omitted)		450		215		69		2

Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares (07/19/2010)
Accumulation unit value at beginning of period		$1.23		$1.15		$1.26		$1.00
Accumulation unit value at end of period		$1.67		$1.23		$1.15		$1.26
Number of accumulation units outstanding at end of period (000 omitted)		44		35		32		10

Neuberger Berman Advisers Management Trust Socially Responsive Portfolio (Class S) (07/19/2010)
Accumulation unit value at beginning of period		$1.24		$1.13		$1.19		$1.00
Accumulation unit value at end of period		$1.68		$1.24		$1.13		$1.19
Number of accumulation units outstanding at end of period (000 omitted)		—		—		9		—

Oppenheimer Global Fund/VA, Service Shares (07/19/2010)
Accumulation unit value at beginning of period		$1.28		$1.07		$1.19		$1.00
Accumulation unit value at end of period		$1.60		$1.28		$1.07		$1.19
Number of accumulation units outstanding at end of period (000 omitted)		102		59		46		1

120 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 1.40% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010


Oppenheimer Global Strategic Income Fund/VA, Service Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.97		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Oppenheimer Main Street Small Cap Fund^®/VA, Service Shares (07/19/2010)
Accumulation unit value at beginning of period		$1.37		$1.18		$1.22		$1.00
Accumulation unit value at end of period		$1.90		$1.37		$1.18		$1.22
Number of accumulation units outstanding at end of period (000 omitted)		63		43		1		—

PIMCO VIT All Asset Portfolio, Advisor Class (07/19/2010)
Accumulation unit value at beginning of period		$1.21		$1.07		$1.06		$1.00
Accumulation unit value at end of period		$1.19		$1.21		$1.07		$1.06
Number of accumulation units outstanding at end of period (000 omitted)		768		184		57		—

PIMCO VIT Global Multi-Asset Managed Allocation Portfolio, Advisor Class (04/30/2012)
Accumulation unit value at beginning of period		$1.03		$1.00		—		—
Accumulation unit value at end of period		$0.93		$1.03		—		—
Number of accumulation units outstanding at end of period (000 omitted)		326		124		—		—

PIMCO VIT Total Return Portfolio, Advisor Class (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.96		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Van Eck VIP Global Gold Fund (Class S Shares) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.76		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		15		—		—		—

Variable Portfolio – Aggressive Portfolio (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.25		$1.11		$1.16		$1.00
Accumulation unit value at end of period		$1.48		$1.25		$1.11		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		5,797		4,222		1,906		387

Variable Portfolio – American Century Diversified Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.09		$1.06		$1.00		$1.00
Accumulation unit value at end of period		$1.05		$1.09		$1.06		$1.00
Number of accumulation units outstanding at end of period (000 omitted)		92		85		24		11

Variable Portfolio – AQR Managed Futures Strategy Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.03		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Variable Portfolio – BlackRock Global Inflation-Protected Securities Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.15		$1.10		$1.02		$1.00
Accumulation unit value at end of period		$1.07		$1.15		$1.10		$1.02
Number of accumulation units outstanding at end of period (000 omitted)		230		291		25		—

Variable Portfolio – Columbia Wanger International Equities Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.23		$1.03		$1.21		$1.00
Accumulation unit value at end of period		$1.48		$1.23		$1.03		$1.21
Number of accumulation units outstanding at end of period (000 omitted)		313		209		89		54

Variable Portfolio – Columbia Wanger U.S. Equities Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.42		$1.21		$1.29		$1.00
Accumulation unit value at end of period		$1.89		$1.42		$1.21		$1.29
Number of accumulation units outstanding at end of period (000 omitted)		143		107		63		40

Variable Portfolio – Conservative Portfolio (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.13		$1.07		$1.05		$1.00
Accumulation unit value at end of period		$1.15		$1.13		$1.07		$1.05
Number of accumulation units outstanding at end of period (000 omitted)		11,122		12,192		4,424		673

Variable Portfolio – DFA International Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.07		$0.93		$1.18		$1.00
Accumulation unit value at end of period		$1.27		$1.07		$0.93		$1.18
Number of accumulation units outstanding at end of period (000 omitted)		48		42		11		—

Variable Portfolio – Eaton Vance Floating-Rate Income Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.11		$1.05		$1.04		$1.00
Accumulation unit value at end of period		$1.14		$1.11		$1.05		$1.04
Number of accumulation units outstanding at end of period (000 omitted)		548		176		43		—


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 121


Variable account charges of 1.40% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010


Variable Portfolio – Goldman Sachs Commodity Strategy Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.92		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		16		—		—		—

Variable Portfolio – Holland Large Cap Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.31		$1.19		$1.24		$1.00
Accumulation unit value at end of period		$1.69		$1.31		$1.19		$1.24
Number of accumulation units outstanding at end of period (000 omitted)		90		72		35		—

Variable Portfolio – Invesco International Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.21		$1.06		$1.16		$1.00
Accumulation unit value at end of period		$1.42		$1.21		$1.06		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		177		27		32		5

Variable Portfolio – J.P. Morgan Core Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.09		$1.06		$1.00		$1.00
Accumulation unit value at end of period		$1.05		$1.09		$1.06		$1.00
Number of accumulation units outstanding at end of period (000 omitted)		175		130		35		—

Variable Portfolio – Jennison Mid Cap Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.37		$1.19		$1.19		$1.00
Accumulation unit value at end of period		$1.72		$1.37		$1.19		$1.19
Number of accumulation units outstanding at end of period (000 omitted)		154		122		1		—

Variable Portfolio – Loomis Sayles Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.32		$1.18		$1.21		$1.00
Accumulation unit value at end of period		$1.69		$1.32		$1.18		$1.21
Number of accumulation units outstanding at end of period (000 omitted)		55		44		—		—

Variable Portfolio – MFS Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.30		$1.13		$1.15		$1.00
Accumulation unit value at end of period		$1.73		$1.30		$1.13		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		138		166		39		—

Variable Portfolio – Moderate Portfolio (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.20		$1.09		$1.11		$1.00
Accumulation unit value at end of period		$1.31		$1.20		$1.09		$1.11
Number of accumulation units outstanding at end of period (000 omitted)		53,838		45,726		22,126		6,259

Variable Portfolio – Moderately Aggressive Portfolio (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.22		$1.10		$1.13		$1.00
Accumulation unit value at end of period		$1.40		$1.22		$1.10		$1.13
Number of accumulation units outstanding at end of period (000 omitted)		22,020		13,969		11,746		3,622

Variable Portfolio – Moderately Conservative Portfolio (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.16		$1.08		$1.08		$1.00
Accumulation unit value at end of period		$1.22		$1.16		$1.08		$1.08
Number of accumulation units outstanding at end of period (000 omitted)		20,160		19,211		9,784		2,470

Variable Portfolio – Morgan Stanley Global Real Estate Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.37		$1.06		$1.19		$1.00
Accumulation unit value at end of period		$1.39		$1.37		$1.06		$1.19
Number of accumulation units outstanding at end of period (000 omitted)		214		174		75		10

Variable Portfolio – NFJ Dividend Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.34		$1.19		$1.17		$1.00
Accumulation unit value at end of period		$1.69		$1.34		$1.19		$1.17
Number of accumulation units outstanding at end of period (000 omitted)		303		150		15		9

Variable Portfolio – Nuveen Winslow Large Cap Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.35		$1.21		$1.23		$1.00
Accumulation unit value at end of period		$1.81		$1.35		$1.21		$1.23
Number of accumulation units outstanding at end of period (000 omitted)		65		52		32		—

Variable Portfolio – Partners Small Cap Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.38		$1.26		$1.29		$1.00
Accumulation unit value at end of period		$1.90		$1.38		$1.26		$1.29
Number of accumulation units outstanding at end of period (000 omitted)		12		13		13		—

Variable Portfolio – Partners Small Cap Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.29		$1.16		$1.23		$1.00
Accumulation unit value at end of period		$1.72		$1.29		$1.16		$1.23
Number of accumulation units outstanding at end of period (000 omitted)		75		49		15		9

122 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 1.40% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010


Variable Portfolio – Pyramis^® International Equity Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.19		$1.00		$1.17		$1.00
Accumulation unit value at end of period		$1.43		$1.19		$1.00		$1.17
Number of accumulation units outstanding at end of period (000 omitted)		26		27		4		—

Variable Portfolio – Pyrford International Equity Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.05		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		5		—		—		—

Variable Portfolio – Sit Dividend Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.20		$1.10		$1.16		$1.00
Accumulation unit value at end of period		$1.52		$1.20		$1.10		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		244		48		22		20

Variable Portfolio – TCW Core Plus Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.04		$1.04		$1.00		$1.00
Accumulation unit value at end of period		$1.00		$1.04		$1.04		$1.00
Number of accumulation units outstanding at end of period (000 omitted)		364		108		11		11

Variable Portfolio – Victory Established Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.30		$1.13		$1.23		$1.00
Accumulation unit value at end of period		$1.74		$1.30		$1.13		$1.23
Number of accumulation units outstanding at end of period (000 omitted)		8		7		2		—

Variable Portfolio – Wells Fargo Short Duration Government Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.01		$1.01		$1.00		$1.00
Accumulation unit value at end of period		$0.99		$1.01		$1.01		$1.00
Number of accumulation units outstanding at end of period (000 omitted)		72		11		—		—

Wells Fargo Advantage VT Opportunity Fund – Class 2 (07/19/2010)
Accumulation unit value at beginning of period		$1.30		$1.14		$1.23		$1.00
Accumulation unit value at end of period		$1.68		$1.30		$1.14		$1.23
Number of accumulation units outstanding at end of period (000 omitted)		72		52		24		—

Wells Fargo Advantage VT Small Cap Growth Fund – Class 2 (07/19/2010)
Accumulation unit value at beginning of period		$1.28		$1.20		$1.28		$1.00
Accumulation unit value at end of period		$1.89		$1.28		$1.20		$1.28
Number of accumulation units outstanding at end of period (000 omitted)		37		21		11		—

Western Asset Variable Global High Yield Bond Portfolio – Class II (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.01		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		114		—		—		—


Variable account charges of 1.65% of the daily net assets of the variable account.
Year ended Dec. 31,	2013		2012		2011		2010


AllianceBernstein VPS Dynamic Asset Allocation Portfolio (Class B) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.06		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		76		—		—		—

AllianceBernstein VPS Large Cap Growth Portfolio (Class B) (07/19/2010)
Accumulation unit value at beginning of period		$1.31		$1.15		$1.20		$1.00
Accumulation unit value at end of period		$1.76		$1.31		$1.15		$1.20
Number of accumulation units outstanding at end of period (000 omitted)		7		8		—		—

ALPS/Alerian Energy Infrastructure Portfolio: Class III (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.06		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		5		—		—		—

American Century VP Value, Class II (07/19/2010)
Accumulation unit value at beginning of period		$1.29		$1.15		$1.16		$1.00
Accumulation unit value at end of period		$1.67		$1.29		$1.15		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		152		137		10		—

BlackRock Global Allocation V.I. Fund (Class III) (04/30/2012)
Accumulation unit value at beginning of period		$1.02		$1.00		—		—
Accumulation unit value at end of period		$1.15		$1.02		—		—
Number of accumulation units outstanding at end of period (000 omitted)		94		39		—		—


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 123


Variable account charges of 1.65% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010


Columbia Variable Portfolio – Balanced Fund (Class 3) (07/19/2010)
Accumulation unit value at beginning of period		$1.29		$1.15		$1.14		$1.00
Accumulation unit value at end of period		$1.54		$1.29		$1.15		$1.14
Number of accumulation units outstanding at end of period (000 omitted)		67		9		—		—

Columbia Variable Portfolio – Cash Management Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$0.96		$0.98		$0.99		$1.00
Accumulation unit value at end of period		$0.94		$0.96		$0.98		$0.99
Number of accumulation units outstanding at end of period (000 omitted)		128		57		277		—

Columbia Variable Portfolio – Commodity Strategy Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.92		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Columbia Variable Portfolio – Contrarian Core Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.21		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Columbia Variable Portfolio – Core Bond Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.95		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Columbia Variable Portfolio – Diversified Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.12		$1.06		$1.01		$1.00
Accumulation unit value at end of period		$1.08		$1.12		$1.06		$1.01
Number of accumulation units outstanding at end of period (000 omitted)		376		530		72		—

Columbia Variable Portfolio – Dividend Opportunity Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.26		$1.12		$1.20		$1.00
Accumulation unit value at end of period		$1.57		$1.26		$1.12		$1.20
Number of accumulation units outstanding at end of period (000 omitted)		114		67		84		—

Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.90		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		8		—		—		—

Columbia Variable Portfolio – Emerging Markets Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.12		$0.94		$1.21		$1.00
Accumulation unit value at end of period		$1.08		$1.12		$0.94		$1.21
Number of accumulation units outstanding at end of period (000 omitted)		197		172		125		—

Columbia Variable Portfolio – Global Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.12		$1.07		$1.04		$1.00
Accumulation unit value at end of period		$1.01		$1.12		$1.07		$1.04
Number of accumulation units outstanding at end of period (000 omitted)		176		221		48		—

Columbia Variable Portfolio – High Yield Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.27		$1.12		$1.08		$1.00
Accumulation unit value at end of period		$1.32		$1.27		$1.12		$1.08
Number of accumulation units outstanding at end of period (000 omitted)		127		184		154		93

Columbia Variable Portfolio – Income Opportunities Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.26		$1.12		$1.07		$1.00
Accumulation unit value at end of period		$1.30		$1.26		$1.12		$1.07
Number of accumulation units outstanding at end of period (000 omitted)		216		85		48		—

Columbia Variable Portfolio – International Opportunity Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.18		$1.02		$1.19		$1.00
Accumulation unit value at end of period		$1.42		$1.18		$1.02		$1.19
Number of accumulation units outstanding at end of period (000 omitted)		67		43		20		—

Columbia Variable Portfolio – Large Cap Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.35		$1.15		$1.20		$1.00
Accumulation unit value at end of period		$1.73		$1.35		$1.15		$1.20
Number of accumulation units outstanding at end of period (000 omitted)		55		23		9		—

Columbia Variable Portfolio – Large Core Quantitative Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.39		$1.24		$1.20		$1.00
Accumulation unit value at end of period		$1.83		$1.39		$1.24		$1.20
Number of accumulation units outstanding at end of period (000 omitted)		31		9		9		—

124 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 1.65% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010


Columbia Variable Portfolio – Limited Duration Credit Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.06		$1.01		$1.01		$1.00
Accumulation unit value at end of period		$1.05		$1.06		$1.01		$1.01
Number of accumulation units outstanding at end of period (000 omitted)		304		232		122		—

Columbia Variable Portfolio – Managed Volatility Conservative Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.00		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Columbia Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.04		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Columbia Variable Portfolio – Managed Volatility Growth Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.11		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		395		—		—		—

Columbia Variable Portfolio – Managed Volatility Moderate Growth Fund (Class 2) (04/30/2012)
Accumulation unit value at beginning of period		$1.02		$1.00		—		—
Accumulation unit value at end of period		$1.14		$1.02		—		—
Number of accumulation units outstanding at end of period (000 omitted)		3,802		1,865		—		—

Columbia Variable Portfolio – Marsico International Opportunities Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.16		$1.00		$1.22		$1.00
Accumulation unit value at end of period		$1.37		$1.16		$1.00		$1.22
Number of accumulation units outstanding at end of period (000 omitted)		20		30		3		—

Columbia Variable Portfolio – Mid Cap Growth Opportunity Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.15		$1.06		$1.27		$1.00
Accumulation unit value at end of period		$1.49		$1.15		$1.06		$1.27
Number of accumulation units outstanding at end of period (000 omitted)		46		17		17		1

Columbia Variable Portfolio – Mid Cap Value Opportunity Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.32		$1.13		$1.26		$1.00
Accumulation unit value at end of period		$1.78		$1.32		$1.13		$1.26
Number of accumulation units outstanding at end of period (000 omitted)		56		37		22		—

Columbia Variable Portfolio – Multi-Strategy Alternatives Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.94		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		11		—		—		—

Columbia Variable Portfolio – S&P 500 Index Fund (Class 3) (07/19/2010)
Accumulation unit value at beginning of period		$1.33		$1.17		$1.17		$1.00
Accumulation unit value at end of period		$1.73		$1.33		$1.17		$1.17
Number of accumulation units outstanding at end of period (000 omitted)		74		15		—		—

Columbia Variable Portfolio – Select Large-Cap Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.35		$1.16		$1.20		$1.00
Accumulation unit value at end of period		$1.82		$1.35		$1.16		$1.20
Number of accumulation units outstanding at end of period (000 omitted)		45		10		7		—

Columbia Variable Portfolio – Select Smaller-Cap Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.32		$1.14		$1.27		$1.00
Accumulation unit value at end of period		$1.93		$1.32		$1.14		$1.27
Number of accumulation units outstanding at end of period (000 omitted)		46		23		20		—

Columbia Variable Portfolio – Strategic Income Fund (Class 2) (04/29/2011)
Accumulation unit value at beginning of period		$1.04		$0.94		$1.00		—
Accumulation unit value at end of period		$1.02		$1.04		$0.94		—
Number of accumulation units outstanding at end of period (000 omitted)		146		180		102		—

Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$0.99		$0.99		$1.00		$1.00
Accumulation unit value at end of period		$0.96		$0.99		$0.99		$1.00
Number of accumulation units outstanding at end of period (000 omitted)		37		45		1		—

DWS Alternative Asset Allocation VIP, Class B (04/30/2012)
Accumulation unit value at beginning of period		$0.99		$1.00		—		—
Accumulation unit value at end of period		$0.99		$0.99		—		—
Number of accumulation units outstanding at end of period (000 omitted)		37		16		—		—


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 125


Variable account charges of 1.65% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010


Fidelity^® VIP Contrafund^® Portfolio Service Class 2 (07/19/2010)
Accumulation unit value at beginning of period		$1.31		$1.15		$1.20		$1.00
Accumulation unit value at end of period		$1.69		$1.31		$1.15		$1.20
Number of accumulation units outstanding at end of period (000 omitted)		206		190		62		1

Fidelity^® VIP Mid Cap Portfolio Service Class 2 (07/19/2010)
Accumulation unit value at beginning of period		$1.22		$1.09		$1.24		$1.00
Accumulation unit value at end of period		$1.63		$1.22		$1.09		$1.24
Number of accumulation units outstanding at end of period (000 omitted)		121		130		29		—

Fidelity^® VIP Strategic Income Portfolio Service Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

FTVIPT Franklin Income VIP Fund – Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.06		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		59		—		—		—

FTVIPT Franklin Mutual Shares VIP Fund – Class 2 (07/19/2010)
Accumulation unit value at beginning of period		$1.22		$1.09		$1.12		$1.00
Accumulation unit value at end of period		$1.54		$1.22		$1.09		$1.12
Number of accumulation units outstanding at end of period (000 omitted)		50		43		17		—

FTVIPT Franklin Small Cap Value VIP Fund – Class 2 (07/19/2010)
Accumulation unit value at beginning of period		$1.43		$1.23		$1.30		$1.00
Accumulation unit value at end of period		$1.92		$1.43		$1.23		$1.30
Number of accumulation units outstanding at end of period (000 omitted)		42		25		7		—

FTVIPT Templeton Global Bond VIP Fund – Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.97		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		15		—		—		—

Ivy Funds VIP Asset Strategy (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.20		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		18		—		—		—

Janus Aspen Series Flexible Bond Portfolio: Service Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Janus Aspen Series Global Allocation Portfolio – Moderate: Service Shares (04/30/2012)
Accumulation unit value at beginning of period		$1.03		$1.00		—		—
Accumulation unit value at end of period		$1.16		$1.03		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Janus Aspen Series Janus Portfolio: Service Shares (07/19/2010)
Accumulation unit value at beginning of period		$1.26		$1.09		$1.17		$1.00
Accumulation unit value at end of period		$1.61		$1.26		$1.09		$1.17
Number of accumulation units outstanding at end of period (000 omitted)		27		2		—		—

Lazard Retirement Global Dynamic Multi Asset Portfolio – Service Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.12		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

MFS^® Utilities Series – Service Class (07/19/2010)
Accumulation unit value at beginning of period		$1.36		$1.23		$1.17		$1.00
Accumulation unit value at end of period		$1.61		$1.36		$1.23		$1.17
Number of accumulation units outstanding at end of period (000 omitted)		137		125		63		—

Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares (07/19/2010)
Accumulation unit value at beginning of period		$1.23		$1.15		$1.26		$1.00
Accumulation unit value at end of period		$1.66		$1.23		$1.15		$1.26
Number of accumulation units outstanding at end of period (000 omitted)		18		14		—		—

126 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 1.65% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010


Neuberger Berman Advisers Management Trust Socially Responsive Portfolio (Class S) (07/19/2010)
Accumulation unit value at beginning of period		$1.23		$1.13		$1.18		$1.00
Accumulation unit value at end of period		$1.66		$1.23		$1.13		$1.18
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Oppenheimer Global Fund/VA, Service Shares (07/19/2010)
Accumulation unit value at beginning of period		$1.27		$1.07		$1.18		$1.00
Accumulation unit value at end of period		$1.58		$1.27		$1.07		$1.18
Number of accumulation units outstanding at end of period (000 omitted)		43		24		31		—

Oppenheimer Global Strategic Income Fund/VA, Service Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.96		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Oppenheimer Main Street Small Cap Fund^®/VA, Service Shares (07/19/2010)
Accumulation unit value at beginning of period		$1.36		$1.17		$1.22		$1.00
Accumulation unit value at end of period		$1.88		$1.36		$1.17		$1.22
Number of accumulation units outstanding at end of period (000 omitted)		11		8		—		—

PIMCO VIT All Asset Portfolio, Advisor Class (07/19/2010)
Accumulation unit value at beginning of period		$1.20		$1.06		$1.06		$1.00
Accumulation unit value at end of period		$1.18		$1.20		$1.06		$1.06
Number of accumulation units outstanding at end of period (000 omitted)		236		331		159		47

PIMCO VIT Global Multi-Asset Managed Allocation Portfolio, Advisor Class (04/30/2012)
Accumulation unit value at beginning of period		$1.03		$1.00		—		—
Accumulation unit value at end of period		$0.93		$1.03		—		—
Number of accumulation units outstanding at end of period (000 omitted)		173		121		—		—

PIMCO VIT Total Return Portfolio, Advisor Class (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.96		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Van Eck VIP Global Gold Fund (Class S Shares) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.76		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Variable Portfolio – Aggressive Portfolio (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.24		$1.11		$1.16		$1.00
Accumulation unit value at end of period		$1.47		$1.24		$1.11		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		3,725		2,508		2,115		234

Variable Portfolio – American Century Diversified Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.09		$1.05		$1.00		$1.00
Accumulation unit value at end of period		$1.04		$1.09		$1.05		$1.00
Number of accumulation units outstanding at end of period (000 omitted)		108		101		7		3

Variable Portfolio – AQR Managed Futures Strategy Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.02		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		5		—		—		—

Variable Portfolio – BlackRock Global Inflation-Protected Securities Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.14		$1.10		$1.01		$1.00
Accumulation unit value at end of period		$1.06		$1.14		$1.10		$1.01
Number of accumulation units outstanding at end of period (000 omitted)		67		205		43		—

Variable Portfolio – Columbia Wanger International Equities Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.22		$1.02		$1.21		$1.00
Accumulation unit value at end of period		$1.47		$1.22		$1.02		$1.21
Number of accumulation units outstanding at end of period (000 omitted)		56		43		21		—

Variable Portfolio – Columbia Wanger U.S. Equities Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.41		$1.20		$1.29		$1.00
Accumulation unit value at end of period		$1.87		$1.41		$1.20		$1.29
Number of accumulation units outstanding at end of period (000 omitted)		83		44		11		—

Variable Portfolio – Conservative Portfolio (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.12		$1.06		$1.05		$1.00
Accumulation unit value at end of period		$1.14		$1.12		$1.06		$1.05
Number of accumulation units outstanding at end of period (000 omitted)		7,706		8,419		4,761		306


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 127


Variable account charges of 1.65% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010


Variable Portfolio – DFA International Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.07		$0.93		$1.18		$1.00
Accumulation unit value at end of period		$1.26		$1.07		$0.93		$1.18
Number of accumulation units outstanding at end of period (000 omitted)		6		39		33		1

Variable Portfolio – Eaton Vance Floating-Rate Income Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.10		$1.05		$1.04		$1.00
Accumulation unit value at end of period		$1.13		$1.10		$1.05		$1.04
Number of accumulation units outstanding at end of period (000 omitted)		326		224		198		95

Variable Portfolio – Goldman Sachs Commodity Strategy Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.92		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Variable Portfolio – Holland Large Cap Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.30		$1.18		$1.23		$1.00
Accumulation unit value at end of period		$1.68		$1.30		$1.18		$1.23
Number of accumulation units outstanding at end of period (000 omitted)		8		4		1		1

Variable Portfolio – Invesco International Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.20		$1.06		$1.16		$1.00
Accumulation unit value at end of period		$1.40		$1.20		$1.06		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		25		14		8		1

Variable Portfolio – J.P. Morgan Core Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.08		$1.05		$1.00		$1.00
Accumulation unit value at end of period		$1.04		$1.08		$1.05		$1.00
Number of accumulation units outstanding at end of period (000 omitted)		102		85		—		—

Variable Portfolio – Jennison Mid Cap Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.36		$1.19		$1.19		$1.00
Accumulation unit value at end of period		$1.71		$1.36		$1.19		$1.19
Number of accumulation units outstanding at end of period (000 omitted)		7		3		1		—

Variable Portfolio – Loomis Sayles Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.32		$1.18		$1.21		$1.00
Accumulation unit value at end of period		$1.68		$1.32		$1.18		$1.21
Number of accumulation units outstanding at end of period (000 omitted)		55		26		18		—

Variable Portfolio – MFS Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.29		$1.13		$1.15		$1.00
Accumulation unit value at end of period		$1.72		$1.29		$1.13		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		67		28		12		1

Variable Portfolio – Moderate Portfolio (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.19		$1.09		$1.10		$1.00
Accumulation unit value at end of period		$1.30		$1.19		$1.09		$1.10
Number of accumulation units outstanding at end of period (000 omitted)		26,063		27,190		23,508		10,038

Variable Portfolio – Moderately Aggressive Portfolio (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.21		$1.10		$1.13		$1.00
Accumulation unit value at end of period		$1.39		$1.21		$1.10		$1.13
Number of accumulation units outstanding at end of period (000 omitted)		10,786		9,749		7,580		1,963

Variable Portfolio – Moderately Conservative Portfolio (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.15		$1.08		$1.07		$1.00
Accumulation unit value at end of period		$1.21		$1.15		$1.08		$1.07
Number of accumulation units outstanding at end of period (000 omitted)		9,673		8,976		5,698		1,757

Variable Portfolio – Morgan Stanley Global Real Estate Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.36		$1.06		$1.19		$1.00
Accumulation unit value at end of period		$1.38		$1.36		$1.06		$1.19
Number of accumulation units outstanding at end of period (000 omitted)		63		56		13		—

Variable Portfolio – NFJ Dividend Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.33		$1.19		$1.17		$1.00
Accumulation unit value at end of period		$1.67		$1.33		$1.19		$1.17
Number of accumulation units outstanding at end of period (000 omitted)		32		33		19		22

Variable Portfolio – Nuveen Winslow Large Cap Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.34		$1.20		$1.23		$1.00
Accumulation unit value at end of period		$1.80		$1.34		$1.20		$1.23
Number of accumulation units outstanding at end of period (000 omitted)		23		9		8		—

128 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 1.65% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010


Variable Portfolio – Partners Small Cap Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.37		$1.26		$1.29		$1.00
Accumulation unit value at end of period		$1.89		$1.37		$1.26		$1.29
Number of accumulation units outstanding at end of period (000 omitted)		1		1		1		—

Variable Portfolio – Partners Small Cap Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.29		$1.15		$1.23		$1.00
Accumulation unit value at end of period		$1.70		$1.29		$1.15		$1.23
Number of accumulation units outstanding at end of period (000 omitted)		16		9		2		—

Variable Portfolio – Pyramis^® International Equity Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.19		$1.00		$1.17		$1.00
Accumulation unit value at end of period		$1.42		$1.19		$1.00		$1.17
Number of accumulation units outstanding at end of period (000 omitted)		—		6		—		—

Variable Portfolio – Pyrford International Equity Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.05		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Variable Portfolio – Sit Dividend Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.20		$1.10		$1.16		$1.00
Accumulation unit value at end of period		$1.51		$1.20		$1.10		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		6		52		32		—

Variable Portfolio – TCW Core Plus Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.04		$1.03		$1.00		$1.00
Accumulation unit value at end of period		$1.00		$1.04		$1.03		$1.00
Number of accumulation units outstanding at end of period (000 omitted)		56		58		3		—

Variable Portfolio – Victory Established Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.30		$1.13		$1.23		$1.00
Accumulation unit value at end of period		$1.73		$1.30		$1.13		$1.23
Number of accumulation units outstanding at end of period (000 omitted)		59		72		51		—

Variable Portfolio – Wells Fargo Short Duration Government Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.01		$1.01		$1.00		$1.00
Accumulation unit value at end of period		$0.99		$1.01		$1.01		$1.00
Number of accumulation units outstanding at end of period (000 omitted)		52		189		—		—

Wells Fargo Advantage VT Opportunity Fund – Class 2 (07/19/2010)
Accumulation unit value at beginning of period		$1.29		$1.14		$1.23		$1.00
Accumulation unit value at end of period		$1.66		$1.29		$1.14		$1.23
Number of accumulation units outstanding at end of period (000 omitted)		131		132		27		—

Wells Fargo Advantage VT Small Cap Growth Fund – Class 2 (07/19/2010)
Accumulation unit value at beginning of period		$1.27		$1.20		$1.28		$1.00
Accumulation unit value at end of period		$1.88		$1.27		$1.20		$1.28
Number of accumulation units outstanding at end of period (000 omitted)		35		33		7		—

Western Asset Variable Global High Yield Bond Portfolio – Class II (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.01		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		8		—		—		—


Variable account charges of 1.80% of the daily net assets of the variable account.
Year ended Dec. 31,	2013		2012		2011		2010


AllianceBernstein VPS Dynamic Asset Allocation Portfolio (Class B) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.06		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

AllianceBernstein VPS Large Cap Growth Portfolio (Class B) (07/19/2010)
Accumulation unit value at beginning of period		$1.30		$1.14		$1.20		$1.00
Accumulation unit value at end of period		$1.76		$1.30		$1.14		$1.20
Number of accumulation units outstanding at end of period (000 omitted)		—		—		13		—

ALPS/Alerian Energy Infrastructure Portfolio: Class III (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.06		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		55		—		—		—


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 129


Variable account charges of 1.80% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010


American Century VP Value, Class II (07/19/2010)
Accumulation unit value at beginning of period		$1.29		$1.15		$1.16		$1.00
Accumulation unit value at end of period		$1.66		$1.29		$1.15		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		60		6		6		—

BlackRock Global Allocation V.I. Fund (Class III) (04/30/2012)
Accumulation unit value at beginning of period		$1.02		$1.00		—		—
Accumulation unit value at end of period		$1.15		$1.02		—		—
Number of accumulation units outstanding at end of period (000 omitted)		56		44		—		—

Columbia Variable Portfolio – Balanced Fund (Class 3) (07/19/2010)
Accumulation unit value at beginning of period		$1.28		$1.14		$1.14		$1.00
Accumulation unit value at end of period		$1.53		$1.28		$1.14		$1.14
Number of accumulation units outstanding at end of period (000 omitted)		152		—		—		—

Columbia Variable Portfolio – Cash Management Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$0.96		$0.97		$0.99		$1.00
Accumulation unit value at end of period		$0.94		$0.96		$0.97		$0.99
Number of accumulation units outstanding at end of period (000 omitted)		59		27		8		—

Columbia Variable Portfolio – Commodity Strategy Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.92		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Columbia Variable Portfolio – Contrarian Core Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.21		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Columbia Variable Portfolio – Core Bond Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.95		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Columbia Variable Portfolio – Diversified Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.12		$1.06		$1.01		$1.00
Accumulation unit value at end of period		$1.07		$1.12		$1.06		$1.01
Number of accumulation units outstanding at end of period (000 omitted)		75		147		26		—

Columbia Variable Portfolio – Dividend Opportunity Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.25		$1.12		$1.20		$1.00
Accumulation unit value at end of period		$1.56		$1.25		$1.12		$1.20
Number of accumulation units outstanding at end of period (000 omitted)		96		28		6		—

Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.90		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Columbia Variable Portfolio – Emerging Markets Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.11		$0.94		$1.21		$1.00
Accumulation unit value at end of period		$1.07		$1.11		$0.94		$1.21
Number of accumulation units outstanding at end of period (000 omitted)		20		7		4		2

Columbia Variable Portfolio – Global Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.11		$1.06		$1.04		$1.00
Accumulation unit value at end of period		$1.01		$1.11		$1.06		$1.04
Number of accumulation units outstanding at end of period (000 omitted)		66		11		7		3

Columbia Variable Portfolio – High Yield Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.27		$1.11		$1.08		$1.00
Accumulation unit value at end of period		$1.32		$1.27		$1.11		$1.08
Number of accumulation units outstanding at end of period (000 omitted)		72		19		14		3

Columbia Variable Portfolio – Income Opportunities Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.25		$1.11		$1.07		$1.00
Accumulation unit value at end of period		$1.29		$1.25		$1.11		$1.07
Number of accumulation units outstanding at end of period (000 omitted)		50		—		—		—

Columbia Variable Portfolio – International Opportunity Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.18		$1.02		$1.19		$1.00
Accumulation unit value at end of period		$1.41		$1.18		$1.02		$1.19
Number of accumulation units outstanding at end of period (000 omitted)		25		23		—		—

130 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 1.80% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010


Columbia Variable Portfolio – Large Cap Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.35		$1.14		$1.20		$1.00
Accumulation unit value at end of period		$1.72		$1.35		$1.14		$1.20
Number of accumulation units outstanding at end of period (000 omitted)		3		—		—		—

Columbia Variable Portfolio – Large Core Quantitative Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.39		$1.24		$1.20		$1.00
Accumulation unit value at end of period		$1.82		$1.39		$1.24		$1.20
Number of accumulation units outstanding at end of period (000 omitted)		3		—		—		—

Columbia Variable Portfolio – Limited Duration Credit Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.05		$1.01		$1.01		$1.00
Accumulation unit value at end of period		$1.05		$1.05		$1.01		$1.01
Number of accumulation units outstanding at end of period (000 omitted)		73		9		5		—

Columbia Variable Portfolio – Managed Volatility Conservative Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.00		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Columbia Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.04		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Columbia Variable Portfolio – Managed Volatility Growth Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.11		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Columbia Variable Portfolio – Managed Volatility Moderate Growth Fund (Class 2) (04/30/2012)
Accumulation unit value at beginning of period		$1.02		$1.00		—		—
Accumulation unit value at end of period		$1.14		$1.02		—		—
Number of accumulation units outstanding at end of period (000 omitted)		66		10		—		—

Columbia Variable Portfolio – Marsico International Opportunities Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.16		$1.00		$1.22		$1.00
Accumulation unit value at end of period		$1.37		$1.16		$1.00		$1.22
Number of accumulation units outstanding at end of period (000 omitted)		1		—		—		—

Columbia Variable Portfolio – Mid Cap Growth Opportunity Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.15		$1.05		$1.27		$1.00
Accumulation unit value at end of period		$1.48		$1.15		$1.05		$1.27
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Columbia Variable Portfolio – Mid Cap Value Opportunity Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.31		$1.13		$1.26		$1.00
Accumulation unit value at end of period		$1.77		$1.31		$1.13		$1.26
Number of accumulation units outstanding at end of period (000 omitted)		60		20		—		—

Columbia Variable Portfolio – Multi-Strategy Alternatives Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.94		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Columbia Variable Portfolio – S&P 500 Index Fund (Class 3) (07/19/2010)
Accumulation unit value at beginning of period		$1.33		$1.17		$1.17		$1.00
Accumulation unit value at end of period		$1.72		$1.33		$1.17		$1.17
Number of accumulation units outstanding at end of period (000 omitted)		1		—		—		—

Columbia Variable Portfolio – Select Large-Cap Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.34		$1.16		$1.20		$1.00
Accumulation unit value at end of period		$1.82		$1.34		$1.16		$1.20
Number of accumulation units outstanding at end of period (000 omitted)		59		—		—		—

Columbia Variable Portfolio – Select Smaller-Cap Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.32		$1.14		$1.27		$1.00
Accumulation unit value at end of period		$1.92		$1.32		$1.14		$1.27
Number of accumulation units outstanding at end of period (000 omitted)		15		15		—		—

Columbia Variable Portfolio – Strategic Income Fund (Class 2) (04/29/2011)
Accumulation unit value at beginning of period		$1.04		$0.94		$1.00		—
Accumulation unit value at end of period		$1.02		$1.04		$0.94		—
Number of accumulation units outstanding at end of period (000 omitted)		23		8		1		—


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 131


Variable account charges of 1.80% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010


Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$0.99		$0.99		$1.00		$1.00
Accumulation unit value at end of period		$0.95		$0.99		$0.99		$1.00
Number of accumulation units outstanding at end of period (000 omitted)		3		395		31		—

DWS Alternative Asset Allocation VIP, Class B (04/30/2012)
Accumulation unit value at beginning of period		$0.99		$1.00		—		—
Accumulation unit value at end of period		$0.98		$0.99		—		—
Number of accumulation units outstanding at end of period (000 omitted)		80		—		—		—

Fidelity^® VIP Contrafund^® Portfolio Service Class 2 (07/19/2010)
Accumulation unit value at beginning of period		$1.31		$1.15		$1.20		$1.00
Accumulation unit value at end of period		$1.68		$1.31		$1.15		$1.20
Number of accumulation units outstanding at end of period (000 omitted)		53		19		—		8

Fidelity^® VIP Mid Cap Portfolio Service Class 2 (07/19/2010)
Accumulation unit value at beginning of period		$1.22		$1.08		$1.24		$1.00
Accumulation unit value at end of period		$1.63		$1.22		$1.08		$1.24
Number of accumulation units outstanding at end of period (000 omitted)		49		30		7		4

Fidelity^® VIP Strategic Income Portfolio Service Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

FTVIPT Franklin Income VIP Fund – Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.06		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		25		—		—		—

FTVIPT Franklin Mutual Shares VIP Fund – Class 2 (07/19/2010)
Accumulation unit value at beginning of period		$1.22		$1.08		$1.12		$1.00
Accumulation unit value at end of period		$1.53		$1.22		$1.08		$1.12
Number of accumulation units outstanding at end of period (000 omitted)		114		21		—		—

FTVIPT Franklin Small Cap Value VIP Fund – Class 2 (07/19/2010)
Accumulation unit value at beginning of period		$1.43		$1.23		$1.30		$1.00
Accumulation unit value at end of period		$1.91		$1.43		$1.23		$1.30
Number of accumulation units outstanding at end of period (000 omitted)		3		3		2		—

FTVIPT Templeton Global Bond VIP Fund – Class 2 (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.97		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		26		—		—		—

Ivy Funds VIP Asset Strategy (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.19		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		78		—		—		—

Janus Aspen Series Flexible Bond Portfolio: Service Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.98		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		47		—		—		—

Janus Aspen Series Global Allocation Portfolio – Moderate: Service Shares (04/30/2012)
Accumulation unit value at beginning of period		$1.03		$1.00		—		—
Accumulation unit value at end of period		$1.16		$1.03		—		—
Number of accumulation units outstanding at end of period (000 omitted)		5		—		—		—

Janus Aspen Series Janus Portfolio: Service Shares (07/19/2010)
Accumulation unit value at beginning of period		$1.26		$1.08		$1.17		$1.00
Accumulation unit value at end of period		$1.61		$1.26		$1.08		$1.17
Number of accumulation units outstanding at end of period (000 omitted)		4		—		—		—

Lazard Retirement Global Dynamic Multi Asset Portfolio – Service Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.12		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

132 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 1.80% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010


MFS^® Utilities Series – Service Class (07/19/2010)
Accumulation unit value at beginning of period		$1.36		$1.22		$1.17		$1.00
Accumulation unit value at end of period		$1.61		$1.36		$1.22		$1.17
Number of accumulation units outstanding at end of period (000 omitted)		38		19		—		—

Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares (07/19/2010)
Accumulation unit value at beginning of period		$1.22		$1.15		$1.26		$1.00
Accumulation unit value at end of period		$1.65		$1.22		$1.15		$1.26
Number of accumulation units outstanding at end of period (000 omitted)		1		—		—		—

Neuberger Berman Advisers Management Trust Socially Responsive Portfolio (Class S) (07/19/2010)
Accumulation unit value at beginning of period		$1.22		$1.13		$1.18		$1.00
Accumulation unit value at end of period		$1.65		$1.22		$1.13		$1.18
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Oppenheimer Global Fund/VA, Service Shares (07/19/2010)
Accumulation unit value at beginning of period		$1.26		$1.06		$1.18		$1.00
Accumulation unit value at end of period		$1.58		$1.26		$1.06		$1.18
Number of accumulation units outstanding at end of period (000 omitted)		—		1		10		—

Oppenheimer Global Strategic Income Fund/VA, Service Shares (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.96		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		134		—		—		—

Oppenheimer Main Street Small Cap Fund^®/VA, Service Shares (07/19/2010)
Accumulation unit value at beginning of period		$1.35		$1.17		$1.22		$1.00
Accumulation unit value at end of period		$1.87		$1.35		$1.17		$1.22
Number of accumulation units outstanding at end of period (000 omitted)		17		3		—		—

PIMCO VIT All Asset Portfolio, Advisor Class (07/19/2010)
Accumulation unit value at beginning of period		$1.19		$1.06		$1.06		$1.00
Accumulation unit value at end of period		$1.17		$1.19		$1.06		$1.06
Number of accumulation units outstanding at end of period (000 omitted)		—		133		—		—

PIMCO VIT Global Multi-Asset Managed Allocation Portfolio, Advisor Class (04/30/2012)
Accumulation unit value at beginning of period		$1.03		$1.00		—		—
Accumulation unit value at end of period		$0.93		$1.03		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

PIMCO VIT Total Return Portfolio, Advisor Class (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.96		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Van Eck VIP Global Gold Fund (Class S Shares) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.76		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Variable Portfolio – Aggressive Portfolio (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.23		$1.11		$1.16		$1.00
Accumulation unit value at end of period		$1.46		$1.23		$1.11		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		81		82		9		—

Variable Portfolio – American Century Diversified Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.08		$1.05		$1.00		$1.00
Accumulation unit value at end of period		$1.03		$1.08		$1.05		$1.00
Number of accumulation units outstanding at end of period (000 omitted)		7		6		—		5

Variable Portfolio – AQR Managed Futures Strategy Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.02		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Variable Portfolio – BlackRock Global Inflation-Protected Securities Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.13		$1.09		$1.01		$1.00
Accumulation unit value at end of period		$1.05		$1.13		$1.09		$1.01
Number of accumulation units outstanding at end of period (000 omitted)		23		24		18		—

Variable Portfolio – Columbia Wanger International Equities Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.22		$1.02		$1.20		$1.00
Accumulation unit value at end of period		$1.46		$1.22		$1.02		$1.20
Number of accumulation units outstanding at end of period (000 omitted)		92		21		—		—


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 133


Variable account charges of 1.80% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010


Variable Portfolio – Columbia Wanger U.S. Equities Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.41		$1.20		$1.29		$1.00
Accumulation unit value at end of period		$1.86		$1.41		$1.20		$1.29
Number of accumulation units outstanding at end of period (000 omitted)		46		18		—		—

Variable Portfolio – Conservative Portfolio (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.12		$1.06		$1.05		$1.00
Accumulation unit value at end of period		$1.13		$1.12		$1.06		$1.05
Number of accumulation units outstanding at end of period (000 omitted)		1,789		1,213		494		116

Variable Portfolio – DFA International Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.06		$0.93		$1.18		$1.00
Accumulation unit value at end of period		$1.25		$1.06		$0.93		$1.18
Number of accumulation units outstanding at end of period (000 omitted)		—		1		—		3

Variable Portfolio – Eaton Vance Floating-Rate Income Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.10		$1.04		$1.04		$1.00
Accumulation unit value at end of period		$1.12		$1.10		$1.04		$1.04
Number of accumulation units outstanding at end of period (000 omitted)		323		13		8		4

Variable Portfolio – Goldman Sachs Commodity Strategy Fund (Class 2) (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$0.91		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Variable Portfolio – Holland Large Cap Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.30		$1.18		$1.23		$1.00
Accumulation unit value at end of period		$1.67		$1.30		$1.18		$1.23
Number of accumulation units outstanding at end of period (000 omitted)		43		24		5		—

Variable Portfolio – Invesco International Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.20		$1.06		$1.16		$1.00
Accumulation unit value at end of period		$1.40		$1.20		$1.06		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		10		10		9		3

Variable Portfolio – J.P. Morgan Core Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.08		$1.05		$1.00		$1.00
Accumulation unit value at end of period		$1.03		$1.08		$1.05		$1.00
Number of accumulation units outstanding at end of period (000 omitted)		62		22		21		5

Variable Portfolio – Jennison Mid Cap Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.35		$1.19		$1.19		$1.00
Accumulation unit value at end of period		$1.70		$1.35		$1.19		$1.19
Number of accumulation units outstanding at end of period (000 omitted)		54		—		4		—

Variable Portfolio – Loomis Sayles Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.31		$1.17		$1.21		$1.00
Accumulation unit value at end of period		$1.67		$1.31		$1.17		$1.21
Number of accumulation units outstanding at end of period (000 omitted)		18		1		—		—

Variable Portfolio – MFS Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.28		$1.13		$1.15		$1.00
Accumulation unit value at end of period		$1.71		$1.28		$1.13		$1.15
Number of accumulation units outstanding at end of period (000 omitted)		1		—		—		8

Variable Portfolio – Moderate Portfolio (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.18		$1.09		$1.10		$1.00
Accumulation unit value at end of period		$1.30		$1.18		$1.09		$1.10
Number of accumulation units outstanding at end of period (000 omitted)		1,885		1,235		430		163

Variable Portfolio – Moderately Aggressive Portfolio (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.21		$1.10		$1.13		$1.00
Accumulation unit value at end of period		$1.38		$1.21		$1.10		$1.13
Number of accumulation units outstanding at end of period (000 omitted)		698		572		177		102

Variable Portfolio – Moderately Conservative Portfolio (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.15		$1.07		$1.07		$1.00
Accumulation unit value at end of period		$1.21		$1.15		$1.07		$1.07
Number of accumulation units outstanding at end of period (000 omitted)		2,005		1,751		745		198

Variable Portfolio – Morgan Stanley Global Real Estate Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.35		$1.06		$1.19		$1.00
Accumulation unit value at end of period		$1.37		$1.35		$1.06		$1.19
Number of accumulation units outstanding at end of period (000 omitted)		35		4		1		—

134 RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS


Variable account charges of 1.80% of the daily net assets of the variable account. (continued)
Year ended Dec. 31,	2013		2012		2011		2010


Variable Portfolio – NFJ Dividend Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.33		$1.19		$1.17		$1.00
Accumulation unit value at end of period		$1.66		$1.33		$1.19		$1.17
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Variable Portfolio – Nuveen Winslow Large Cap Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.34		$1.20		$1.23		$1.00
Accumulation unit value at end of period		$1.79		$1.34		$1.20		$1.23
Number of accumulation units outstanding at end of period (000 omitted)		45		—		—		—

Variable Portfolio – Partners Small Cap Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.37		$1.25		$1.29		$1.00
Accumulation unit value at end of period		$1.88		$1.37		$1.25		$1.29
Number of accumulation units outstanding at end of period (000 omitted)		13		—		—		2

Variable Portfolio – Partners Small Cap Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.28		$1.15		$1.23		$1.00
Accumulation unit value at end of period		$1.69		$1.28		$1.15		$1.23
Number of accumulation units outstanding at end of period (000 omitted)		4		4		4		2

Variable Portfolio – Pyramis^® International Equity Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.18		$1.00		$1.17		$1.00
Accumulation unit value at end of period		$1.41		$1.18		$1.00		$1.17
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Variable Portfolio – Pyrford International Equity Fund (Class 2) (04/30/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.05		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Variable Portfolio – Sit Dividend Growth Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.19		$1.10		$1.16		$1.00
Accumulation unit value at end of period		$1.50		$1.19		$1.10		$1.16
Number of accumulation units outstanding at end of period (000 omitted)		47		—		—		—

Variable Portfolio – TCW Core Plus Bond Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.03		$1.03		$1.00		$1.00
Accumulation unit value at end of period		$0.99		$1.03		$1.03		$1.00
Number of accumulation units outstanding at end of period (000 omitted)		31		33		—		—

Variable Portfolio – Victory Established Value Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.29		$1.13		$1.23		$1.00
Accumulation unit value at end of period		$1.72		$1.29		$1.13		$1.23
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—

Variable Portfolio – Wells Fargo Short Duration Government Fund (Class 2) (07/19/2010)
Accumulation unit value at beginning of period		$1.00		$1.00		$1.00		$1.00
Accumulation unit value at end of period		$0.98		$1.00		$1.00		$1.00
Number of accumulation units outstanding at end of period (000 omitted)		23		12		7		3

Wells Fargo Advantage VT Opportunity Fund – Class 2 (07/19/2010)
Accumulation unit value at beginning of period		$1.29		$1.14		$1.23		$1.00
Accumulation unit value at end of period		$1.66		$1.29		$1.14		$1.23
Number of accumulation units outstanding at end of period (000 omitted)		24		6		6		—

Wells Fargo Advantage VT Small Cap Growth Fund – Class 2 (07/19/2010)
Accumulation unit value at beginning of period		$1.27		$1.19		$1.27		$1.00
Accumulation unit value at end of period		$1.87		$1.27		$1.19		$1.27
Number of accumulation units outstanding at end of period (000 omitted)		40		15		1		—

Western Asset Variable Global High Yield Bond Portfolio – Class II (04/29/2013)
Accumulation unit value at beginning of period		$1.00		—		—		—
Accumulation unit value at end of period		$1.01		—		—		—
Number of accumulation units outstanding at end of period (000 omitted)		—		—		—		—


	RIVERSOURCE RAVA 5 ADVANTAGE / RAVA 5 SELECT / RAVA 5 ACCESS VARIABLE ANNUITY — PROSPECTUS 135

PART C.

Item 24. Financial Statements and Exhibits

(a)

Financial Statements included in Part B of this Registration Statement:


RiverSource Variable Account 10

Report of Independent Registered Public Accounting Firm dated April 21, 2014
Statements of Assets and Liabilities for the year ended Dec. 31, 2013
Statements of Operations for the year ended Dec. 31, 2013
Statements of Changes in Net Assets for the two years ended Dec. 31, 2013
Notes to Financial Statements

RiverSource Life Insurance Company

Report of Independent Registered Public Accounting Firm dated Feb. 25, 2014
Consolidated Balance Sheets as of Dec. 31, 2013 and 2012
Consolidated Statements of Income for the years ended Dec. 31, 2013, 2012 and 2011
Consolidated Statements of Comprehensive Income for the years ended Dec. 31, 2013, 2012 and 2011
Consolidated Statements of Shareholder’s Equity for the three years ended Dec. 31, 2013, 2012 and 2011
Consolidated Statements of Cash Flows for the years ended Dec. 31, 2013, 2012 and 2011
Notes to Consolidated Financial Statements

(b)		Exhibits:

1.1		Resolution of the Board of Directors of IDS Life Insurance Company establishing the IDS Life Variable Account 10 dated August 23, 1995, filed electronically as Exhibit 1 to Registrant’s Initial Registration Statement No. 33-62407 is incorporated herein by reference.

1.2		Resolution of the Board of Directors of IDS Life Insurance Company establishing 105 additional subaccounts within the separate account, filed electronically as Exhibit 1.2 to Pre-Effective Amendment No. 1 to Registration Statement No. 333-79311 filed on or about Aug. 10, 1999, is incorporated herein by reference.

1.3		Resolution of the Board of Directors of IDS life Insurance Company establishing 25 additional subaccounts within the separate account, filed electronically as Exhibit 1.3 to Registrant’s Post-Effective Amendment No. 2 to Registration Statement No. 333-79311, is incorporated herein by reference.

1.4		Resolution of the Board of Directors of IDS Life Insurance Company establishing 12 additional subaccounts within the separate account, filed electronically as Exhibit 1.3 to Registrant’s Post-Effective Amendment No. 3 to Registration Statement No. 333-79311, is incorporated herein by reference.

1.5		Resolution of the Board of Directors of IDS Life Insurance Company establishing 69 additional subaccounts within the separate account, filed electronically as Exhibit 1.5 to Registrant’s Post-Effective Amendment No. 6 to Registration Statement No. 333-79311, is incorporated herein by reference.

1.6		Resolution of the Board of Directors of IDS Life Insurance Company establishing 112 additional subaccounts within the separate account, dated Feb. 11, 2002, filed electronically as Exhibit 1.6 to Registrant’s Post-Effective Amendment No. 8 to Registration Statement No. 333-79311, is incorporated herein by reference.

1.7		Resolution of the Board of Directors of IDS Life Insurance Company establishing 3 additional subaccounts within the separate account, dated Feb. 28, 2002, filed electronically as Exhibit 1.7 to Registrant’s Post-Effective Amendment No. 10 to Registration Statement No. 333-79311, is incorporated herein by reference.

1.8		Resolution of the Board of Directors of IDS Life Insurance Company establishing 8 additional subaccounts within the separate account, dated January 6, 2004, filed electronically as Exhibit 1.8 to Registrant’s Post-Effective Amendment No. 21 to Registration Statement No. 333-79311, filed on or about Jan. 23, 2004, is incorporated by reference.

1.9		Resolution of the Board of Directors of IDS Life Insurance Company establishing 6 additional subaccounts within the separate account, dated August 12, 2004 filed electronically as Exhibit 1.9 to Post-Effective Amendment No. 32 to Registration Statement No. 333-79311 is incorporated by reference.

1.10		Resolution of the Board of Directors of IDS Life Insurance Company establishing an additional subaccount within the separate account, dated April 27, 2005 filed electronically as Exhibit 1.10 to Post-Effective Amendment No. 32 to Registration Statement No. 333-79311 is incorporated by reference.

1.11		Resolution of the Board of Directors establishing 18 additional subaccounts within the separate accounts dated April 12, 2006 filed electronically as Exhibit 1.11 to Registrant’s Post-Effective Amendment No. 39 to Registration Statement No. 333-79311 is incorporated by reference.

1.12		Unanimous Written Consent of the Board of Directors In Lieu of a Meeting for IDS Life Insurance Company, adopted December 8, 2006 for the Re-designation of the Separate Accounts to Reflect Entity Consolidation and Rebranding filed electronically as Exhibit 27(a)(6) to Post-Effective Amendment No. 28 to Registration Statement No. 333-69777 is incorporated by reference.

1.13		Resolution of the Board of Directors of RiverSource Life Insurance Company establishing 988 additional subaccounts within the separate accounts dated April 6, 2011 filed electronically as Exhibit 1.13 to Post-Effective Amendment No.64 to Registration Statement No. 333-79311 is incorporated by reference.

1.14		Resolution of the Board of Directors of RiverSource Life Insurance Company establishing 399 additional subaccounts within the separate accounts dated April 6, 2012 filed electronically as Exhibit 1.14 to Post-Effective Amendment No. 66 to Registration Statement No. 333-79311 is incorporated by reference.

1.15		Resolution of the Board of Directors establishing 560 additional subaccounts within the separate accounts dated April 12, 2013 filed electronically as Exhibit 1.16 to Registrant’s Post-Effective Amendment No 4 to Registration Statement No. 333-179398, filed on or about April 22, 2013 is incorporated herein by reference.

2.		Not applicable.

3.		Form of Principal Underwriter Agreement for RiverSource Life Insurance Company Variable Annuities and Variable Life Insurance filed electronically as Exhibit 3.1 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource Signature(SM) Select Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference.

4.1		Form of Deferred Annuity Contract for non-qualified contracts (form 31043) filed electronically as Exhibit 4.1 to Registrant’s Initial Registration Statement No. 333-79311, filed on or about May 26, 1999, is incorporated herein by reference.

4.2		Form of Deferred Annuity Contract for tax qualified contracts (form 31044) filed electronically as Exhibit 4.2 to Registrant’s Initial Registration Statement No. 333-79311, filed on or about May 26, 1999, is incorporated herein by reference.

4.3		Form of Deferred Annuity Contract for IRA contracts (form 31045-IRA) filed electronically as Exhibit 4.3 to Registrant’s Initial Registration Statement No. 333-79311, filed on or about May 26, 1999, is incorporated herein by reference.

4.4		Form of Deferred Annuity Contract for non-qualified contracts (form 31046) filed electronically as Exhibit 4.4 to Registrant’s Initial Registration Statement No. 333-79311, filed on or about May 26, 1999, is incorporated herein by reference.

4.5		Form of Deferred Annuity Contract for tax qualified contracts (form 31047) filed electronically as Exhibit 4.5 to Registrant’s Initial Registration Statement No. 333-79311, filed on or about May 26, 1999, is incorporated herein by reference.

4.6		Form of Deferred Annuity Contract for IRA contracts (form 31048-IRA) filed electronically as Exhibit 4.6 to Registrant’s Initial Registration Statement No. 333-79311, filed on or about May 26, 1999, is incorporated herein by reference.

4.7		Form of TSA Endorsement (form 31049), filed electronically as Exhibit 4.7 to Pre-Effective Amendment No. 1 to Registration Statement No. 333-79311 filed on or about Aug. 10, 1999 is incorporated herein by reference.

4.8		Form of Maximum Anniversary Value Death Benefit Rider, filed electronically as Exhibit 4.8 to Post-Effective Amendment No. 4 to Registration Statement No. 333-79311, is incorporated herein by reference.

4.9		Form of Enhanced Earnings Death Benefit Rider, filed electronically as Exhibit 4.9 to Post-Effective Amendment No. 4 to Registration Statement No. 333-79311, is incorporated herein by reference.

4.10		Form of Enhanced Earnings Plus Death Benefit Rider, filed electronically as Exhibit 4.10 to Post-Effective Amendment No. 4 to Registration Statement No. 333-79311, is incorporated herein by reference.

4.11		Form of Traditional IRA or SEP-IRA Annuity Endorsement (form 131061) filed electronically as Exhibit 4.11 to Post-Effective Amendment No. 14 to Registration Statement No. 333-79311, is incorporated herein by reference.

4.12		Form of Roth IRA Annuity Endorsement (form 131062) filed electronically as Exhibit 4.12 to Post-Effective Amendment No. 14 to Registration Statement No. 333-79311, is incorporated herein by reference.

4.13		Form of SIMPLE IRA Annuity Endorsement (form 131063) filed electronically as Exhibit 4.13 to Post-Effective Amendment No. 14 to Registration Statement No. 333-79311, is incorporated herein by reference.

4.14		Form of Deferred Annuity Contract for non-qualified contracts (form 131041) filed electronically as Exhibit 4.14 to Post-Effective Amendment No. 14 to Registration Statement No. 333-79311, is incorporated herein by reference.

4.15		Form of Deferred Annuity Contract for Retirement Advisor Advantage Plus (form 1043 A) filed electronically as Exhibit 4.15 to Post-Effective Amendment No. 21 to Registration Statement No. 333-79311, filed on or about Jan. 23, 2004, is incorporated by reference.

4.16		Form of Deferred Annuity Contract for Retirement Advisor Select Plus (form 131041 A) filed electronically as Exhibit 4.16 to Post-Effective Amendment No. 21 to Registration Statement No. 333-79311, filed on or about Jan. 23, 2004, is incorporated by reference.

4.17		Form of Deferred Annuity Contract for RiverSource Retirement Advisor 4 Advantage Variable Annuity (form 131101), filed electronically as Exhibit 4.17 to Post-Effective Amendment No. 40 to Registration Statement No. 333-79311, filed on or about June 5, 2006, is incorporated by reference.

4.18		Form of Deferred Annuity Contract for RiverSource Retirement Advisor 4 Select Variable Annuity (form 131102), filed electronically as Exhibit 4.18 to Post-Effective Amendment No. 40 to Registration Statement No. 333-79311, filed on or about June 5, 2006, is incorporated by reference.

4.19		Form of Deferred Annuity Contract for RiverSource Retirement Advisor 4 Access Variable Annuity (form 131103), filed electronically as Exhibit 4.19 to Post-Effective Amendment No. 40 to Registration Statement No. 333-79311, filed on or about June 5, 2006, is incorporated by reference.

4.20		Form of TSA Endorsement (form 131068), filed electronically as Exhibit 4.17 to Post-Effective Amendment No. 21 to Registration Statement No. 333-79311, filed on or about Jan. 23, 2004, is incorporated by reference.

4.21		Form of Return of Purchase Payments Rider (form 131072), filed electronically as Exhibit 4.18 to Post-Effective Amendment No. 21 to Registration Statement No. 333-79311, filed on or about Jan. 23, 2004, is incorporated by reference.

4.22		Form of Maximum Anniversary Value Death Benefit Rider (form 131031), filed electronically as Exhibit 4.19 to Post-Effective Amendment No. 21 to Registration Statement No. 333-79311, filed on or about Jan. 23, 2004, is incorporated by reference.

4.23		Form of 5-Year Maximum Anniversary Value Death Benefit Rider (form 131071), filed electronically as Exhibit 4.20 to Post-Effective Amendment No. 21 to Registration Statement No. 333-79311, filed on or about Jan. 23, 2004, is incorporated by reference.

4.24		Form of Enhanced Earnings Death Benefit Rider (form 131032 A), filed electronically as Exhibit 4.21 to Post-Effective Amendment No. 21 to Registration Statement No. 333-79311, filed on or about Jan. 23, 2004, is incorporated by reference.

4.25		Form of Enhanced Earnings Plus Death Benefit Rider (form 131033 A), filed electronically as Exhibit 4.22 to Post-Effective Amendment No. 21 to Registration Statement No. 333-79311, filed on or about Jan. 23, 2004, is incorporated by reference.

4.26		Form of 401 (a) Annuity Endorsement (form 131069), filed electronically as Exhibit 4.23 to Post-Effective Amendment No. 21 to Registration Statement No. 333-79311, filed on or about Jan. 23, 2004, is incorporated by reference.

4.27		Form of Guarantee Period Accounts Rider filed electronically as Exhibit 4.24 to Post-Effective Amendment No. 25 to Registration Statement No. 333-79311, filed on or about June 2, 2004, is incorporated by reference.

4.28		Form of Guaranteed Minimum Withdrawal Benefit Rider (form 131034) filed electronically as Exhibit 4.25 to Post-Effective Amendment No. 29 to Registration Statement No. 333-79311, filed on or about Oct. 21, 2004, is incorporated by reference.

4.29		Form of Guaranteed Minimum Accumulation Benefit Rider (GMAB) (form 131035) filed electronically as Exhibit 4.29 to Registrant’s Post-Effective Amendment No. 39 to Registration Statement No. 333-79311 is incorporated by reference.

4.30		Form of Portfolio Navigator Model Portfolio Rider (form 131070C) filed electronically as Exhibit 4.30 to Registrant’s Post-Effective Amendment No. 39 to Registration Statement No. 333-79311 is incorporated by reference.

4.31		Form of Guaranteed Minimum Lifetime Withdrawal Benefit Rider (Withdrawal Benefit for Life), filed electronically as Exhibit 4.31 to Post-Effective Amendment No. 40 to Registration Statement No. 333-79311, filed on or about June 5, 2006, is incorporated by reference.

4.32		Copy of Company name change endorsement (form 131115) for RiverSource Life Insurance Company, filed electronically as Exhibit 4.32 to Registrant’s Post-Effective Amendment No. 41 to Registration Statement No. 333-79311 filed on or about Jan. 2, 2007, is incorporated by reference.

4.33		Form of SecureSource Joint Life rider filed electronically as Exhibit 4.33 to Registrant’s Post-Effective Amendment No. 44 to Registration Statement No. 333-79311 is incorporated herein by reference.

4.34		Form of SecureSource Single Life rider filed electronically as Exhibit 4.34 to Registrant’s Post-Effective Amendment No. 44 to Registration Statement No. 333-79311 is incorporated herein by reference.

4.35		Form of Guaranteed Minimum Withdrawal Benefit Rider (form 131034-E) filed electronically as Exhibit 4.35 to Registrant’s Post-Effective Amendment No. 47 to Registration Statement No. 333-79311 is incorporated herein by reference.

4.36		Form of Deferred Annuity Contract for RAVA 5 Advantage and data pages filed electronically as Exhibit 4.36 to Registrant’s Post-Effective Amendment No. 61 to Registration Statement No. 333-79311 is incorporated herein by reference.

4.37		Form of Deferred Annuity Contract for RAVA 5 Select and data pages filed electronically as Exhibit 4.37 to Registrant’s Post-Effective Amendment No. 61 to Registration Statement No. 333-79311 is incorporated herein by reference.

4.38		Form of Deferred Annuity Contract for RAVA 5 Access and data pages filed electronically as Exhibit 4.38 to Registrant’s Post-Effective Amendment No. 61 to Registration Statement No. 333-79311 is incorporated herein by reference.

4.39		Form of Guarantee Period Accounts Endorsement (form 411272) filed electronically as Exhibit 4.56 to RiverSource Variable Account’s Post-Effective Amendment No. 10 to Registration Statement No. 333-139763 is incorporated herein by reference.

4.40		Form of Maximum Anniversary Value Death Benefit Rider (form 411278) filed electronically as Exhibit 4.57 to Post-Effective Amendment No. 10 to Registration Statement No. 333-139763 is incorporated herein by reference.

4.41		Form of 5-Year Maximum Anniversary Value Death Benefit Rider filed electronically as Exhibit 4.41 to Registrant’s Post-Effective Amendment No. 61 to Registration Statement No. 333-79311 is incorporated herein by reference.

4.42		Form of 5% Accumulation Death Benefit Rider (form 411279) filed electronically as Exhibit 4.58 to RiverSource Variable Account’s Post-Effective Amendment No. 10 to Registration Statement No. 333-139763 is incorporated herein by reference.

4.43		Form of Enhanced Death Benefit Rider (form 411280) filed electronically as Exhibit 4.59 to RiverSource Variable Account’s Post-Effective Amendment No. 10 to Registration Statement No. 333-139763 is incorporated herein by reference.

4.44		Form of Return of Purchase Payment Death Benefit Rider (form 411277) filed electronically as Exhibit 4.60 to RiverSource Variable Account’s Post-Effective Amendment No. 10 to Registration Statement No. 333-139763 is incorporated herein by reference.

4.45		Form of Benefit Protector(SM) Death Benefit Rider (form 411281) filed electronically as Exhibit 4.61 to RiverSource Variable Account’s Post-Effective Amendment No. 10 to Registration Statement No. 333-139763 is incorporated herein by reference.

4.46		Form of Benefit Protector(SM) Plus Death Benefit Rider (form 411282) filed electronically as Exhibit 4.62 to RiverSource Variable Account’s Post-Effective Amendment No. 10 to Registration Statement No. 333-139763 is incorporated herein by reference.

4.47		Form of Guaranteed Minimum Accumulation Benefit Rider (form 411283) filed electronically as Exhibit 4.63 to RiverSource Variable Account’s Post-Effective Amendment No. 10 to Registration Statement No. 333-139763 is incorporated herein by reference.

4.48		Form of Guaranteed Lifetime Withdrawal Benefit Single Life Rider SecureSource Stages 2 Rider filed electronically as Exhibit 4.48 to Registrant’s Post-Effective Amendment No. 61 to Registration Statement No. 333-79311 is incorporated herein by reference.

4.49		Form of Guaranteed Lifetime Withdrawal Benefit Joint Life Rider SecureSource Stages 2 Rider filed electronically as Exhibit 4.49 to Registrant’s Post-Effective Amendment No. 61 to Registration Statement No. 333-79311 is incorporated herein by reference.

5.		Form of Variable Annuity Application (form 31063), filed electronically as Exhibit 5 to Pre-Effective Amendment No. 1 to Registration Statement No. 333-79311 filed on or about Aug. 10, 1999 is incorporated herein by reference.

6.1		Certificate of Incorporation of IDS Life dated July 24, 1957, filed electronically as Exhibit 6.1 to Registrant’s Initial Registration Statement No. 33-62407 is incorporated herein by reference.

6.2		Copy of Certificate of Amendment of Certificate of Incorporation of IDS Life Insurance Company dated June 22, 2006, filed electronically as Exhibit 27(f)(1) to Post-Effective Amendment No. 22 to Registration Statement No. 333-44644 is incorporated by reference.

6.3		Copy of Amended and Restated By-Laws of RiverSource Life Insurance Company filed electronically as Exhibit 27(f)(2) to Post-Effective Amendment No. 22 to Registration Statement No. 333-44644 is incorporated by reference.

7.		Not applicable.

8.1		Copy of Amended and Restated Participation Agreement dated April 17, 2006, by and among AIM Variable Insurance Funds, AIM Distributors, Inc. American Enterprise Life Insurance Company, American Partners Life Insurance Company, IDS Life Insurance Company, and Ameriprise Financial Services, Inc. filed electronically as Exhibit 27(h) (1) to Post-Effective Amendment No. 28 to Registration Statement No. 333-69777 is incorporated herein by reference.

8.2		Copy of Amended and Restated Participation Agreement dated August 1, 2006, among American Enterprise Life Insurance Company, IDS Life Insurance Company, Ameriprise Financial Services, Inc., AllianceBernstein L.P. and AllianceBernstein Investments, Inc. filed electronically as Exhibit 27(h) (20) to Post-Effective Amendment No. 28 to Registration Statement No. 333-69777 is incorporated herein by reference.

8.3		Copy of Amended and Restated Fund Participation Agreement dated June 1, 2006, by and among American Centurion Life Assurance Company, American Enterprise Life Insurance Company, American Partners Life Insurance Company, IDS Life Insurance Company, IDS Life Insurance Company of New York, Ameriprise Financial Services, Inc. and American Century Investment Services, Inc. filed electronically as Exhibit 27(h)(3) to Post-Effective Amendment No. 22 to Registration Statement No. 333-44644 is incorporated herein by reference.

8.4		Copy of Amended and Restated Participation Agreement dated June 19, 2006, by and among Calvert Variable Series, Inc., Calvert Asset Management Company, Inc., Calvert Distributors, Inc. and IDS Life Insurance Company filed electronically as Exhibit 27(h)(4) to Post-Effective Amendment No. 28 to Registration Statement No. 333-69777 is incorporated herein by reference.

8.5		Copy of Fund Participation Agreement dated May 1, 2006 among American Enterprise Life Insurance Company, IDS Life Insurance Company, Columbia Funds Variable Insurance Trust I, Columbia Management Advisors, LLC and Columbia Management Distributors, Inc. filed electronically as Exhibit 27(h) (22) to Post-Effective Amendment No. 28 to Registration Statement No. 333-69777 is incorporated herein by reference.

8.6		Copy of Amended and Restated Participation Agreement dated May 1, 2006, by and among American Enterprise Life Insurance Company, American Partners Life Insurance Company, IDS Life Insurance Company, Credit Suisse Trust, Credit Suisse Asset Management, LLC. and Credit Suisse Asset Management Securities, Inc. filed electronically as Exhibit 8.6 to Post-Effective Amendment No. 41 to Registration Statement No. 333-79311 is incorporated herein by reference.

8.7		Copy of Fund Participation Agreement dated May 1, 2006, by and among American Enterprise Life Insurance Company, IDS Life Insurance Company, The Dreyfus Corporation, Dreyfus Variable Investment Fund, and Dreyfus Investment Portfolios filed electronically as Exhibit 8.7 to Post-Effective Amendment No. 41 to Registration Statement No. 333-79311 is incorporated herein by reference.

8.8		Copy of Participation Agreement dated May 1, 2006, among Eaton Vance Variable Trust, Eaton Vance Distributors, Inc. and IDS Life Insurance Company filed electronically as Exhibit 8.8 to Post-Effective Amendment No. 41 to Registration Statement No. 333-79311 is incorporated herein by reference.

8.9		Copy of Evergreen Variable Annuity Trust Amended and Restated Participation Agreement dated June 1, 2006, by and among American Enterprise Life Insurance Company, IDS Life Insurance Company and Evergreen Variable Annuity Trust filed electronically as Exhibit 27(h) (6) to Post-Effective Amendment No. 28 to Registration Statement No. 333-69777 is incorporated herein by reference.

8.10		Copy of Amended and Restated Fund Participation Agreement dated January 1, 2007, among Variable Insurance Products Funds, Fidelity Distributors Corporation and RiverSource Life Insurance Co. of New York filed electronically as Exhibit 8.16 to RiverSource of New York Variable Annuity Account 2’s Post-Effective Amendment No. 3 to Registration Statement No. 333-139764 on or about April 24, 2008 is incorporated by reference herein.

8.11		Copy of Amended and Restated Participation Agreement by and between Franklin Templeton Variable Insurance Products Trust, Franklin/Templeton Distributors, Inc., American Centurion Life Assurance Company, American Enterprise Life Insurance Company, IDS Life Insurance Company, IDS Life Insurance Company of New York, Ameriprise Financial Services, Inc. (formerly American Express Financial Advisors Inc.), dated August 1, 2005 filed electronically as Exhibit 8.7 to Registrant’s Post-Effective Amendment No. 39 to Registration Statement No. 333-79311 is incorporated by reference.

8.12		Copy of Amended and Restated Participation Agreement dated June 9, 2006, by and among American Enterprise Life Insurance Company, IDS Life Insurance Company, Goldman Sachs Variable Insurance Trust and Goldman, Sachs & Co. filed electronically as Exhibit 27(h)(24) to Post-Effective Amendment No. 28 to Registration Statement No. 333-69777 is incorporated herein by reference.

8.13		Copy of Janus Aspen Series Amended and Restated Fund Participation Agreement dated September 1, 2006, by and among American Enterprise Life Insurance Company, American Partners Life Insurance Company, IDS Life Insurance Company and Janus Aspen Series filed electronically as Exhibit 27(h)(12) to Post-Effective Amendment No. 28 to Registration Statement No. 333-69777 is incorporated herein by reference.

8.14		Copy of Amended and Restated Participation Agreement by and among IDS Life Insurance Company, American Enterprise Life Insurance Company, Ameriprise Financial Services, Inc., Lazard Asset Management Securities LLC, and Lazard Retirement Series, Inc., dated Oct. 16, 2006, filed electronically as Exhibit 8.14 to Post-Effective Amendment No. 42 to Registration Statement No. 333-79311 is incorporated by reference.

8.15		Copy of Fund Participation Agreement dated Jan. 1, 2007, by and among RiverSource Life Insurance Company, RiverSource Distributors, Inc. and Lazard Asset Management Securities LLC and Lazard Retirement Series, Inc. filed electronically as Exhibit 8.15 to Post-Effective Amendment No. 42 to Registration Statement No. 333-79311 is incorporated by reference.

8.16		Copy of Amended and Restated Participation Agreement dated September 1, 2006, by and among IDS Life Insurance Company, Legg Mason Partners Variable Portfolios I, Inc. (formerly Salomon Brothers Variable Series Fund, Inc.), Legg Mason Partners Variable Portfolios II, Inc. (formerly Greenwich Street Series Fund, formerly Smith Barney Series Fund, formerly Smith Barney Shearson Series Fund, formerly Shearson Series Fund), Legg Mason Partners Variable Portfolios III, Inc. (formerly Travelers Series Fund Inc., formerly Smith Barney Travelers Series Fund Inc.) and Legg Mason Investor Services, LLC filed electronically as Exhibit 8.15 to Post-Effective Amendment No. 41 to Registration Statement No. 333-79311 is incorporated herein by reference.

8.17		Copy of Participation Agreement Among MFS Variable Insurance Trust, American Enterprise Life Insurance Company, IDS Life Insurance Company and Massachusetts Financial Services Company, dated June 9, 2006, filed electronically as Exhibit 8.17 to Post-Effective Amendment No. 42 to Registration Statement No. 333-79311 is incorporated by reference.

8.18		Copy of Fund Participation Agreement dated March 2, 2006, by and between Neuberger Berman Advisers Management Trust, Neuberger Berman Management, Inc. and IDS Life Insurance Company filed electronically as Exhibit 8.17 to Post-Effective Amendment No. 41 to Registration Statement No. 333-79311 is incorporated herein by reference.

8.19		Copy of Amended and Restated Fund Participation Agreement dated March 30, 2007, among Oppenheimer Variable Account funds, Oppenheimer Funds, Inc. and RiverSource Life Insurance Company filed electronically as Exhibit 8.4 to RiverSource Variable Annuity Account Post-Effective Amendment No. 2 to Registration Statement No. 333-139760 on or about April 24, 2008 is incorporated by reference herein.

8.20		Copy of Participation Agreement dated March 1, 2006, among IDS Life Insurance Company, PIMCO Variable Insurance Trust and Allianz Global Investors Distributors LLC filed electronically as Exhibit 8.19 to Post-Effective Amendment No. 41 to Registration Statement No. 333-79311 is incorporated herein by reference.

8.21		Copy of Amended and Restated Fund Participation Agreement dated September 1, 2006, among Pioneer Variable Contracts Trust, IDS Life Insurance Company, Pioneer Investment Management, Inc., and Pioneer Funds Distributor, Inc. filed electronically as Exhibit 27(h)(15) to Post-Effective Amendment No. 28 to Registration Statement No. 333-69777 is incorporated herein by reference.

8.22		Copy of Amended and Restated Fund Participation Agreement dated Jan. 1, 2007, among Riversource Life Insurance Company, Putnam Variable Trust and Putnam Retail Management Limited Partnership filed electronically as Exhibit 8.2 to RiverSource Variable Annuity Account’s Post-Effective Amendment No. 2 to Registration Statement No. 333-139760 on or about April 24, 2008 is incorporated by reference herein.

8.23		Copy of Participation Agreement dated January 1, 2007, by and among RiverSource Life Insurance Company, RiverSource Life Insurance Co. of New York and RiverSource Distributors, Inc. filed electronically as Exhibit 8.23 to Post-Effective Amendment No. 42 to Registration Statement No. 333-79311 is incorporated herein by reference.

8.24		Copy of Participation Agreement by and among Royce Capital Fund and Royce & Associates, Inc. and RiverSource Life Insurance Company, dated Jan. 1, 2007, filed electronically as Exhibit 8.24 to Post-Effective Amendment No. 42 to Registration Statement No. 333-79311 is incorporated by reference.

8.25		Copy of Amended and Restated Participation Agreement dated May 1, 2006, among The Universal Institutional Funds, Inc., Morgan Stanley Investment Management Inc., Morgan Stanley Distribution, Inc., American Enterprise Life Insurance Company and IDS Life Insurance Company filed electronically as Exhibit 8.24 to Post-Effective Amendment No. 41 to Registration Statement No. 333-79311 is incorporated herein by reference.

8.26		Copy of Amended and Restated Participation Agreement dated October 12, 2006, by and among Third Avenue Variable Series Trust, Third Avenue Management LLC, American Enterprise Life Insurance Company and IDS Life Insurance Company filed electronically as Exhibit 27(h)(18) to Post-Effective Amendment No. 28 to Registration Statement No. 333-69777 is incorporated herein by reference.

8.27		Copy of Amended and Restated Participation Agreement dated May 1, 2006, among Van Kampen Life Investment Trust, Van Kampen Funds Inc., Van Kampen Asset Management, American Enterprise Life Insurance Company and IDS Life Insurance Company filed electronically as Exhibit 8.26 to Post-Effective Amendment No. 41 to Registration Statement No. 333-79311 is incorporated herein by reference.

8.28		Copy of Fund Participation Agreement dated April 2, 2007, RiverSource Life Insurance Company, Wanger Advisors Trust, Columbia Wanger Asset Management, L.P. and Columbia Management Distributors, Inc. filed electronically as Exhibit 8.11 to RiverSource Variable Annuity Account Post-Effective Amendment No. 2 to Registration Statement No. 333-139760 on or about April 24, 2008 is incorporated by reference herein.

8.29		Copy of Participation Agreement by and among Wells Fargo Variable Trust and RiverSource Life Insurance Company and Wells Fargo Funds Distributors, LLC dated Jan. 1, 2007, filed electronically as Exhibit 8.29 to Post-Effective Amendment No. 42 to Registration Statement No. 333-79311 is incorporated by reference.

8.30		Copy of Fund Participation Agreement dated April 24, 2009, by and among RiverSource Life Insurance Company, JPMorgan Insurance Trust, JPMorgan Investment Advisors Inc., J. P. Morgan Investment Management Inc. and JPMorgan Funds Management, Inc., filed electronically as Exhibit 8.30 to Post-Effective Amendment No. 58 to Registration Statement No. 333-79311 is incorporated by reference.

8.31		Copy of Fund Participation Agreement dated April 26, 2012 by and among RiverSource Life Insurance Company, BlackRock Variable Series Funds, Inc. and BlackRock Investments filed electronically as Exhibit 8.3 to RiverSource Variable Account 10’s Post-Effective Amendment No. 1 to Registration Statement No. 333-179398 is incorporated herein by reference.

8.32		Copy of Fund Participation Agreement dated April 26, 2012 by and among RiverSource Life Insurance Company, RiverSource Distributors, Inc., DWS Variable Series I, DWS Variable Series II, DWS Investments VIT Funds DWS Investment Distributors, Inc. and Deutsche Investment Management Americas Inc. filed electronically as Exhibit 8.5 to RiverSource Variable Account 10’s Post-Effective Amendment No. 1 to Registration Statement No. 333-179398 is incorporated herein by reference.

8.33		Copy of Fund Participation Agreement dated April 30, 2013, by and among ALPS Variable Investment Trust, ALPS Portfolio Solutions Distributor, Inc., and RiverSource Life Insurance Company filed electronically as Exhibit 8.16 to Registrant’s Post-Effective Amendment No. 4 to Registration Statement No. 333-179398, filed on or about April 22, 2013 is incorporated herein by reference.

8.34		Copy of Fund Participation Agreement dated April 29, 2013, by and among Van Eck VIP Trust, Van Eck Securities Corporation, and RiverSource Life Insurance Company filed electronically as Exhibit 8.17 to Registrant’s Post-Effective Amendment No. 4 to Registration Statement No. 333-179398, filed on or about April 22, 2013 is incorporated herein by reference.

8.35		Copy of Fund Participation Agreement dated April 29, 2013, by and among Ivy Funds Variable Insurance Portfolios, Waddell & Reed, Inc., and RiverSource Life Insurance Company filed electronically as Exhibit 8.18 to Registrant’s Post-Effective Amendment No. 4 to Registration Statement No. 333-179398, filed on or about April 22, 2013 is incorporated herein by reference.


Subsidiary Name		Incorp State
AMPF Realty Corporation		MI
Columbia Management Investment Advisers, LLC		MN
Advisory Capital Strategies Group Inc.		MN
Columbia Wanger Asset Management, LLC		DE
GA Legacy, LLC		DE
J.& W. Seligman & Co. Incorporated		DE
Columbia Management Investment Distributors, Inc.**		NY
Columbia Research Partners LLC		DE
Seligman Focus Partners LLC		DE
Seligman Global Technology Partners LLC		DE
Seligman Health Partners LLC		DE
Seligman Health Plus Partners LLC		DE
Seligman Partners LLC		DE
RiverSource CDO Seed Investment, LLC		MN
WAM Acquisition GP, Inc.		DE
Columbia Management Investment Services Corp.		MN
IDS Property Casualty Insurance Company		WI
Ameriprise Auto & Home Insurance Agency, Inc.		WI
Ameriprise Insurance Company		WI
RiverSource Distributors, Inc.**		DE
RiverSource Life Insurance Company		MN
RiverSource Life Insurance Co. of New York		NY
RiverSource NY REO, LLC		NY
RiverSource REO 1, LLC		MN
RiverSource Tax Advantaged Investments, Inc.		DE
AEXP Affordable Housing Porfolio LLC		DE
Threadneedle Asset Management Holdings Sarl		Luxembourg
(Threadneedle subsidiary list is not included.)


*		This entity has three shareholders: Ameriprise Financial, Inc. (19%), Ameriprise India Private Limited (7%), and personally owned by T.D. Chandrasekhar (74%) as required by India law.

**		Registered Broker-Dealer

Item 27. Number of Contract owners

As of March 31, 2014 there were 197,750 non-qualified contract owners and 467,978 qualified contract owners.

Item 28. 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 29. Principal Underwriter

RiverSource Distributors Inc.

(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


REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933

Pre-Effective Amendment No. ___________		o

Post-Effective Amendment No. 72 (File No. 333-79311)		þ

and/or

REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940

Amendment No. 87 (File No. 811-07355)		þ

o		immediately upon filing pursuant to paragraph (b) of Rule 485

þ		on May 1, 2014 pursuant to paragraph (b) of Rule 485

o		60 days after filing pursuant to paragraph (a)(1) of Rule 485

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



Calculating Annuity Payouts			p. 3

Rating Agencies			p. 4

Revenues Received During Calendar Year 2013			p. 4

Principal Underwriter			p. 5

Independent Registered Public Accounting Firm			p. 5

Condensed Financial Information (Unaudited)			p. 6

Financial Statements


*		For contracts purchased before May 1, 2003, the MAV rider fee is 0.15%.

**		Effective May 10, 2010, the rider is not required to select funds of funds in the PN program and this fee does not apply. Prior to May 10, 2010, the PN rider fee was 0.10% and the maximum fee was 0.20%.


Amount requested 1.00 – surrender charge		or		$1,000 .93		=		$1,075.27


	•	$10,000 paid on the contract date;

	•	$8,000 paid on the sixth contract anniversary;

	•	$6,000 paid on the eighth contract anniversary; and


	Assumed Net			Partial Surrender		Adjusted				Accumulation
End of Contract Year	Rate of Return			(Beginning of Year)		Partial Surrender		MCAV		Benefit Amount		Contract Value

1		12	%		0		0		100,000		0		111,328

2		15	%		0		0		102,422		0		127,259

3		3	%		0		0		104,861		0		130,290

4		−8	%		0		0		104,861		0		119,148

5		−15	%		0		0		104,861		0		100,647

6		20	%		2,000		2,084		102,778		0		117,666

7		15	%		0		0		108,252		0		134,504

8		−10	%		0		0		108,252		0		120,327

9		−20	%		5,000		4,498		103,754		0		91,639

10		−12	%		0		0		103,754		23,734		103,754


•	You purchase the RAVA Select Plus contract (with the Withdrawal Benefit rider) with a payment of $100,000. No purchase payment credit applies.


•	You make no additional purchase payments.

•	The contract earns a net return of –5%.

•	The Withdrawal Benefit rider fee is 0.60%.


	(a)	any one other than your spouse continues the contract, or


	(b)	your spouse does not use the spousal continuation provision of the contract to continue the contract.



Annual contract administrative charge	Maximum: $50	Current: $30

Annual contract administrative charge if your contract value equals or exceeds $50,000	Maximum: $20	Current: $0

Contract administrative charge at full surrender	Maximum: $50	Current: $30

9.		Opinion of counsel and consent to its use as the legality of the securities being registered is filed electronically herewith.

10.1		Consent of Independent Registered Public Accounting Firm for RiverSource Retirement Advisor Variable Annuity is filed electronically herewith.

10.2		Consent of Independent Registered Public Accounting Firm for RiverSource Retirement Advisor Advantage Variable Annuity/ Retirement Advisor Select Variable Annuity is filed electronically herewith.

10.3		Consent of Independent Registered Public Accounting Firm for RiverSource Retirement Advisor Advantage Plus Variable Annuity/ RiverSource Retirement Advisor Select Plus Variable Annuity is filed electronically herewith.

10.4		Consent of Independent Registered Public Accounting Firm for RiverSource Retirement Advisor 4 Advantage Variable Annuity/ RiverSource Retirement Advisor 4 Select Variable Annuity/RiverSource Retirement Advisor 4 Access Variable Annuity is filed electronically herewith.

10.5		Consent of Independent Registered Public Accounting Firm for RiverSource RAVA 5 Advantage Variable Annuity/ RiverSource RAVA 5 Select Variable Annuity/RiverSource RAVA 5 Access Variable Annuity (offered for contract applications signed prior to April 30, 2012)is filed electronically herewith.

11.		None

12.		Not applicable.

13.		Power of Attorney to sign Amendment to this Registration Statement dated Aug. 2, 2013 filed electronically as Exhibit 13 to RiverSource Variable Annuity Account’s Post-Effective Amendment No. 24 to Registration Statement No. 333-139759 on or about Aug. 15, 2013 is incorporated herein by reference.

14.		Not applicable.


		Position and Offices
Name	Principal Business Address*	With Depositor
John R. Woerner		Chairman of the Board and President

Gumer C. Alvero		Director and Executive Vice President – Annuities

Richard N. Bush		Senior Vice President – Corporate Tax


*		The business address is 70100 Ameriprise Financial Center, Minneapolis, MN 55474.


Parent Company		Incorp State
Ameriprise Financial, Inc.		DE

Subsidiary Name		Incorp State
Ameriprise Advisor Capital, LLC		DE
Ameriprise National Trust Bank		Federal
Ameriprise Capital Trust I		DE
Ameriprise Capital Trust II		DE
Ameriprise Capital Trust III		DE
Ameriprise Capital Trust IV		DE
Ameriprise Captive Insurance Company		VT
Ameriprise Certificate Company		DE
Investors Syndicate Development Corporation		NV
Ameriprise Holdings, Inc.		DE
201 Eleventh Street South, LLC		MN
Ameriprise India Private Limited		India
Ameriprise India Insurance Brokers Services Private Limited*		India
Ameriprise Trust Company		MN
AMPF Holding Corporation		MI
American Enterprise Investment Services Inc.**		MN
Ameriprise Financial Services, Inc.**		DE
AMPF Property Corporation		MI


Name and Principal		Positions and Offices
Business Address*		with Underwriter
Lynn Abbott		President

Gumer C. Alvero		Vice President

James L. Hamalainen		Treasurer

Thomas R. Moore		Secretary

Mark D. Scalercio		Vice President

Jon Stenberg		Director and Vice President

David K. Stewart		Chief Financial Officer

John R. Woerner		Chairman of the Board and Chief Executive Officer


*		Business address is: 50611 Ameriprise Financial Center, Minneapolis, MN 55474

(c)		RiverSource Distributors Inc., the principal underwriter during Registrant’s last fiscal year, was paid the following commissions:

(a)		Registrant undertakes to file a post-effective amendment to this registration statement as frequently as is necessary to ensure that the audited financial statements in the registration statement are never more than 16 months old for so long as payments under the variable annuity contracts may be accepted.

(b)		Registrant undertakes to include either (1) as part of any application to purchase a contract offered by the prospectus, a space that an applicant can check to request a Statement of Additional Information, or (2) a post card or similar written communication affixed to or included in the prospectus that the applicant can remove to send for a Statement of Additional Information.

(c)		Registrant undertakes to deliver any Statement of Additional Information and any financial statements required to be made available under this Form promptly upon written or oral request.

(d)		Registrant represents that it is relying upon the no-action assurance given to the American Council of Life Insurance (pub. avail. Nov. 28,1988). Further, Registrant represents that it has complied with the provisions of paragraphs (1)-(4) of that no-action letter.

(e)		The sponsoring insurance company represents that the fees and charges deducted under the contract, 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.


		RIVERSOURCE VARIABLE ACCOUNT 10
		(Registrant)

		By RiverSource Life Insurance Company
		(Depositor)

		By		/s/ John R. Woerner*
				John R. Woerner
				Chairman of the Board and President


Signature		Title

/s/ Gumer C. Alvero* Gumer C. Alvero		Director and Executive Vice President – Annuities

/s/ Richard N. Bush* Richard N. Bush		Senior Vice President – Corporate Tax

/s/ Steve M. Gathje* Steve M. Gathje		Director, Senior Vice President and Chief Actuary

/s/ James L. Hamalainen* James L. Hamalainen		Director, Senior Vice President – Investments

/s/ Brian J. McGrane* Brian J. McGrane		Director, Executive Vice President and Chief Financial Officer


Signature		Title

/s/ Bridget M. Sperl* Bridget M. Sperl		Director and Executive Vice President Service Delivery

/s/ Jon Stenberg* Jon Stenberg		Director and Executive Vice President – Life and Disability Insurance

/s/ William F. Truscott* William F. Truscott		Director

/s/ John R. Woerner* John R. Woerner		Chairman of the Board and President


*		Signed pursuant to Power of Attorney dated Aug. 2, 2013 filed electronically as Exhibit 13 to Post-Effective Amendment No. 24 to RiverSource Variable Annuity Account’s Post-Effective Amendment No. 24 to Registration Statement No. 333-139759 on or about Aug. 16, 2013, incorporated by reference herein, by:


/s/ Timothy D. Crawford
Timothy D. Crawford
Assistant General Counsel and Assistant Secretary

9.		Opinion of counsel and consent to its use as to the legality of the securities being registered.

10.1		- 10.5 Consents of Independent Registered Public Accounting Firm