2013 Annual Report

RiverSource Retirement Advisor

Variable Annuity^® – Band 3

S-6477 W (5/14) Issued by: RiverSource Life Insurance Company

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Annual Financial Information

REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

TO THE BOARD OF DIRECTORS OF
RIVERSOURCE LIFE INSURANCE COMPANY

In our opinion, the accompanying statement of assets and liabilities and the related statements of operations and of changes in net assets present fairly, in all material respects, the financial position of each of the divisions of RiverSource Variable Account 10 that is offered through RiverSource Retirement Advisor Variable Annuity^® – Band 3 (the Account) sponsored by RiverSource Life Insurance Company, referred to in Note 1, at December 31, 2013, the results of their operations for the period then ended, and the changes in their net assets for the periods presented, in conformity with accounting principles generally accepted in the United States of America. These financial statements are the responsibility of the management of RiverSource Life Insurance Company; our responsibility is to express an opinion on these financial statements based on our audits. The financial statements of the divisions of the Account, including the financial highlights which appear in the footnotes, for the periods ended December 31, 2010 and prior were audited by another independent registered public accounting firm whose report dated April 22, 2011 expressed an unqualified opinion. We conducted our audits of these financial statements in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements, assessing the accounting principles used and significant estimates made by management, and evaluating the overall financial statement presentation. We believe that our audits, which included confirmation of securities at December 31, 2013 by correspondence with the affiliated and unaffiliated mutual fund managers, provide a reasonable basis for our opinion.

Minneapolis, Minnesota

April 21, 2014

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  1

Statements of Assets and Liabilities

	AB VPS		AB VPS Global		AB VPS		AB VPS		ALPS Alerian
	Dyn Asset Alloc,		Thematic Gro,		Gro & Inc,		Intl Val,		Engy Infr,
Dec. 31, 2013	Cl B		Cl B		Cl B		Cl B		Class III
Assets
Investments, at fair value(1),(2)	$	3,663,560	$	9,113,778	$	122,245,132	$	221,773,783	$	15,719,647
Dividends receivable		—		—		—		—		—
Accounts receivable from RiverSource Life for contract purchase payments		2,281		8,589		82,766		6,429		48,719
Receivable for share redemptions		3,778		8,189		132,223		183,040		13,786
Total assets		3,669,619		9,130,556		122,460,121		221,963,252		15,782,152
Liabilities
Payable to RiverSource Life for:
Mortality and expense risk fee		3,168		7,344		92,827		169,683		12,401
Contract terminations		611		845		39,395		13,357		1,384
Payable for investments purchased		2,281		8,589		82,766		6,429		48,719
Total liabilities		6,060		16,778		214,988		189,469		62,504
Net assets applicable to contracts in accumulation period		3,662,700		9,113,778		122,060,645		221,370,251		15,719,086
Net assets applicable to contracts in payment period		—		—		184,488		403,532		—
Net assets applicable to seed money		859		—		—		—		562
Total net assets	$	3,663,559	$	9,113,778	$	122,245,133	$	221,773,783	$	15,719,648
(1) Investment shares		313,661		451,624		4,446,895		14,924,212		1,466,385
(2) Investments, at cost	$	3,525,159	$	7,275,590	$	92,085,308	$	236,925,160	$	14,543,466
	AC VP		AC VP		AC VP		AC VP		BlackRock
	Intl,		Mid Cap Val,		Ultra,		Val,		Global Alloc,
Dec. 31, 2013 (continued)	Cl I		Cl II		Cl II		Cl I		Cl III
Assets
Investments, at fair value(1),(2)	$	14,796,918	$	52,077,512	$	30,406,131	$	51,195,554	$	47,699,273
Dividends receivable		—		—		—		—		—
Accounts receivable from RiverSource Life for contract purchase payments		—		1,981		8,330		—		243,874
Receivable for share redemptions		55,308		83,050		204,360		44,678		62,685
Total assets		14,852,226		52,162,543		30,618,821		51,240,232		48,005,832
Liabilities
Payable to RiverSource Life for:
Mortality and expense risk fee		10,964		42,328		23,780		37,693		38,825
Contract terminations		44,343		40,722		180,580		6,985		23,860
Payable for investments purchased		—		1,981		8,330		—		243,874
Total liabilities		55,307		85,031		212,690		44,678		306,559
Net assets applicable to contracts in accumulation period		14,737,533		52,000,004		30,391,975		50,738,934		47,148,194
Net assets applicable to contracts in payment period		59,386		77,508		14,156		456,620		550,738
Net assets applicable to seed money		—		—		—		—		341
Total net assets	$	14,796,919	$	52,077,512	$	30,406,131	$	51,195,554	$	47,699,273
(1) Investment shares		1,377,739		2,818,047		2,094,086		6,058,645		3,061,571
(2) Investments, at cost	$	12,002,453	$	38,720,731	$	20,122,696	$	40,408,082	$	46,150,837

See accompanying notes to financial statements.

2  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

Statements of Assets and Liabilities

			Col		Col VP		Col VP		Col VP
	Calvert VP		VP Bal,		Cash Mgmt,		Commodity		Contrarian
Dec. 31, 2013 (continued)	SRI Bal		Cl 3		Cl 3		Strategy, Cl 2		Core, Cl 2
Assets
Investments, at fair value(1),(2)	$	26,439,874	$	258,134,318	$	247,621,406	$	601,751	$	9,184,967
Dividends receivable		—		—		68		—		—
Accounts receivable from RiverSource Life for contract purchase payments		2,619		145,841		61,941		851		77,616
Receivable for share redemptions		26,533		—		—		—		—
Total assets		26,469,026		258,280,159		247,683,415		602,602		9,262,583
Liabilities
Payable to RiverSource Life for:
Mortality and expense risk fee		19,657		225,834		203,051		492		7,365
Contract terminations		6,876		51,541		429,525		—		494
Payable for investments purchased		2,619		—		—		—		—
Total liabilities		29,152		277,375		632,576		492		7,859
Net assets applicable to contracts in accumulation period		26,363,359		254,061,393		246,672,164		601,187		9,254,580
Net assets applicable to contracts in payment period		76,515		3,941,336		378,675		—		—
Net assets applicable to seed money		—		55		—		923		144
Total net assets	$	26,439,874	$	258,002,784	$	247,050,839	$	602,110	$	9,254,724
(1) Investment shares		12,973,442		13,136,607		247,621,406		64,566		644,107
(2) Investments, at cost	$	23,638,091	$	193,561,688	$	247,577,572	$	611,466	$	8,433,200
	Col VP		Col VP		Col VP		Col VP Emerg		Col VP
	Core Bond,		Div Bond,		Divd Opp,		Mkts Bond,		Emer Mkts,
Dec. 31, 2013 (continued)	Cl 2		Cl 3		Cl 3		Cl 2		Cl 3
Assets
Investments, at fair value(1),(2)	$	1,405,771	$	663,792,442	$	790,783,620	$	3,432,904	$	230,702,821
Dividends receivable		—		—		—		—		—
Accounts receivable from RiverSource Life for contract purchase payments		11,231		186,531		18,077		22,442		55,373
Receivable for share redemptions		—		—		—		—		—
Total assets		1,417,002		663,978,973		790,801,697		3,455,346		230,758,194
Liabilities
Payable to RiverSource Life for:
Mortality and expense risk fee		1,233		540,379		632,268		2,797		192,561
Contract terminations		—		207,943		328,295		187		72,337
Payable for investments purchased		—		—		—		—		—
Total liabilities		1,233		748,322		960,563		2,984		264,898
Net assets applicable to contracts in accumulation period		1,414,761		659,562,631		785,766,555		3,451,621		229,755,354
Net assets applicable to contracts in payment period		—		3,668,020		4,074,579		—		737,942
Net assets applicable to seed money		1,008		—		—		741		—
Total net assets	$	1,415,769	$	663,230,651	$	789,841,134	$	3,452,362	$	230,493,296
(1) Investment shares		146,587		66,246,751		43,762,237		364,041		14,610,692
(2) Investments, at cost	$	1,413,509	$	696,080,462	$	532,141,564	$	3,599,711	$	191,016,835

See accompanying notes to financial statements.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  3

Statements of Assets and Liabilities

	Col VP		Col VP		Col VP		Col VP		Col VP
	Global Bond,		Hi Yield Bond,		Inc Opp,		Intl Opp,		Lg Cap Gro,
Dec. 31, 2013 (continued)	Cl 3		Cl 3		Cl 3		Cl 3		Cl 3
Assets
Investments, at fair value(1),(2)	$	224,323,013	$	416,152,818	$	181,839,526	$	105,742,863	$	140,857,765
Dividends receivable		—		—		—		—		—
Accounts receivable from RiverSource Life for contract purchase payments		70,874		43,774		31,486		29,571		26,823
Receivable for share redemptions		—		—		—		—		—
Total assets		224,393,887		416,196,592		181,871,012		105,772,434		140,884,588
Liabilities
Payable to RiverSource Life for:
Mortality and expense risk fee		182,433		337,219		143,954		94,739		105,002
Contract terminations		61,724		26,971		95,152		13,257		74,186
Payable for investments purchased		—		—		—		—		—
Total liabilities		244,157		364,190		239,106		107,996		179,188
Net assets applicable to contracts in accumulation period		223,651,979		413,553,074		181,376,721		104,561,770		140,405,635
Net assets applicable to contracts in payment period		497,751		2,279,328		255,185		1,102,668		299,765
Net assets applicable to seed money		—		—		—		—		—
Total net assets	$	224,149,730	$	415,832,402	$	181,631,906	$	105,664,438	$	140,705,400
(1) Investment shares		21,162,548		58,284,708		20,781,660		7,282,566		13,635,795
(2) Investments, at cost	$	234,540,971	$	387,137,210	$	200,709,899	$	80,032,795	$	102,687,773
	Col VP		Col VP		Col VP		Col VP		Col VP
	Lg Core Quan,		Marsico Gro,		Marsico Intl		Mid Cap Gro		Mid Cap Val
Dec. 31, 2013 (continued)	Cl 3		Cl 1		Opp, Cl 2		Opp, Cl 3		Opp, Cl 3
Assets
Investments, at fair value(1),(2)	$	425,080,435	$	186,080,927	$	47,659,471	$	97,831,059	$	100,106,275
Dividends receivable		—		—		—		—		—
Accounts receivable from RiverSource Life for contract purchase payments		3,114		359		11,280		364		5,343
Receivable for share redemptions		—		—		—		—		—
Total assets		425,083,549		186,081,286		47,670,751		97,831,423		100,111,618
Liabilities
Payable to RiverSource Life for:
Mortality and expense risk fee		364,257		145,919		38,552		83,875		78,243
Contract terminations		109,930		207,120		314		17,583		34,254
Payable for investments purchased		—		—		—		—		—
Total liabilities		474,187		353,039		38,866		101,458		112,497
Net assets applicable to contracts in accumulation period		419,376,675		185,433,566		47,438,197		96,905,748		99,800,668
Net assets applicable to contracts in payment period		5,232,687		294,681		193,230		824,217		198,453
Net assets applicable to seed money		—		—		458		—		—
Total net assets	$	424,609,362	$	185,728,247	$	47,631,885	$	97,729,965	$	99,999,121
(1) Investment shares		13,738,863		6,196,501		2,567,859		5,438,080		6,122,708
(2) Investments, at cost	$	310,029,649	$	108,402,117	$	48,704,933	$	62,675,979	$	70,766,778

See accompanying notes to financial statements.

4  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

Statements of Assets and Liabilities

	Col VP		Col VP		Col VP		Col VP		Col VP
	Multi-Strategy		S&P 500,		Select Lg Cap		Select Sm Cap		US Govt Mtge,
Dec. 31, 2013 (continued)	Alt, Cl 2		Cl 3		Val, Cl 3		Val, Cl 3		Cl 3
Assets
Investments, at fair value(1),(2)	$	4,196,597	$	174,863,717	$	47,074,672	$	66,678,550	$	148,776,623
Dividends receivable		—		—		—		—		—
Accounts receivable from RiverSource Life for contract purchase payments		1,266		68,065		50		7,957		103,411
Receivable for share redemptions		—		—		—		—		—
Total assets		4,197,863		174,931,782		47,074,722		66,686,507		148,880,034
Liabilities
Payable to RiverSource Life for:
Mortality and expense risk fee		3,711		136,666		35,896		50,401		118,729
Contract terminations		100		71,227		22,208		47,505		22,939
Payable for investments purchased		—		—		—		—		—
Total liabilities		3,811		207,893		58,104		97,906		141,668
Net assets applicable to contracts in accumulation period		4,193,932		173,804,813		46,977,427		66,525,028		148,248,759
Net assets applicable to contracts in payment period		—		919,003		39,191		63,573		489,607
Net assets applicable to seed money		120		73		—		—		—
Total net assets	$	4,194,052	$	174,723,889	$	47,016,618	$	66,588,601	$	148,738,366
(1) Investment shares		429,100		13,127,907		2,927,529		3,623,834		14,557,400
(2) Investments, at cost	$	4,242,585	$	110,436,620	$	33,160,575	$	42,992,929	$	150,014,931
	CS		DWS Alt		EV VT		Fid VIP		Fid VIP
	Commodity		Asset Alloc		Floating-		Contrafund,		Gro & Inc,
Dec. 31, 2013 (continued)	Return		VIP, Cl B		Rate Inc		Serv Cl 2		Serv Cl
Assets
Investments, at fair value(1),(2)	$	52,642,791	$	24,843,922	$	333,885,716	$	509,204,693	$	59,592,312
Dividends receivable		—		—		1,105,892		—		—
Accounts receivable from RiverSource Life for contract purchase payments		24,554		84,616		283,375		325,720		—
Receivable for share redemptions		68,792		19,993		318,775		734,934		129,907
Total assets		52,736,137		24,948,531		335,593,758		510,265,347		59,722,219
Liabilities
Payable to RiverSource Life for:
Mortality and expense risk fee		42,041		19,993		266,735		407,385		44,099
Contract terminations		26,750		—		52,040		327,550		85,809
Payable for investments purchased		24,554		84,616		1,389,267		325,720		—
Total liabilities		93,345		104,609		1,708,042		1,060,655		129,908
Net assets applicable to contracts in accumulation period		52,518,110		24,698,726		333,396,836		507,725,634		59,409,755
Net assets applicable to contracts in payment period		124,682		144,886		488,880		1,478,787		182,556
Net assets applicable to seed money		—		310		—		271		—
Total net assets	$	52,642,792	$	24,843,922	$	333,885,716	$	509,204,692	$	59,592,311
(1) Investment shares		8,369,283		1,808,146		35,406,757		15,078,611		3,134,788
(2) Investments, at cost	$	76,480,983	$	24,751,673	$	329,361,236	$	392,046,527	$	44,346,783

See accompanying notes to financial statements.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  5

Statements of Assets and Liabilities

	Fid VIP		Fid VIP		Fid VIP		FTVIPT Frank		FTVIPT
	Mid Cap,		Overseas,		Strategic Inc,		Global Real		Frank Inc,
Dec. 31, 2013 (continued)	Serv Cl		Serv Cl		Serv Cl 2		Est, Cl 2		Cl 2
Assets
Investments, at fair value(1),(2)	$	124,273,288	$	20,736,904	$	12,848,110	$	148,569,200	$	17,726,376
Dividends receivable		—		—		—		—		—
Accounts receivable from RiverSource Life for contract purchase payments		—		437		748		137,818		143,645
Receivable for share redemptions		112,850		37,550		18,226		113,725		30,513
Total assets		124,386,138		20,774,891		12,867,084		148,820,743		17,900,534
Liabilities
Payable to RiverSource Life for:
Mortality and expense risk fee		91,323		15,204		10,276		113,725		13,665
Contract terminations		21,526		22,346		7,949		—		16,848
Payable for investments purchased		—		437		748		137,818		143,645
Total liabilities		112,849		37,987		18,973		251,543		174,158
Net assets applicable to contracts in accumulation period		123,057,359		20,601,286		12,847,527		148,245,735		17,725,901
Net assets applicable to contracts in payment period		1,215,930		135,618		—		323,465		—
Net assets applicable to seed money		—		—		584		—		475
Total net assets	$	124,273,289	$	20,736,904	$	12,848,111	$	148,569,200	$	17,726,376
(1) Investment shares		3,436,761		1,008,604		1,153,331		10,665,413		1,103,073
(2) Investments, at cost	$	86,038,194	$	18,212,431	$	13,322,987	$	198,598,734	$	17,128,229
	FTVIPT Frank		FTVIPT		GS VIT		GS VIT		GS VIT
	Sm Cap		Temp Global		Mid Cap		Sm Cap Eq		U.S. Eq
Dec. 31, 2013 (continued)	Val, Cl 2		Bond, Cl 2		Val, Inst		Insights, Inst		Insights, Inst
Assets
Investments, at fair value(1),(2)	$	176,995,728	$	18,599,846	$	257,444,463	$	8,413,282	$	157,109,824
Dividends receivable		—		—		—		—		—
Accounts receivable from RiverSource Life for contract purchase payments		16,891		82,068		89,432		175		55,381
Receivable for share redemptions		258,981		24,569		233,608		20,990		217,191
Total assets		177,271,600		18,706,483		257,767,503		8,434,447		157,382,396
Liabilities
Payable to RiverSource Life for:
Mortality and expense risk fee		137,495		14,756		191,906		6,168		118,792
Contract terminations		121,485		9,814		41,702		14,822		98,399
Payable for investments purchased		16,891		82,068		89,432		175		55,381
Total liabilities		275,871		106,638		323,040		21,165		272,572
Net assets applicable to contracts in accumulation period		176,581,181		18,599,068		256,285,844		8,377,358		156,443,779
Net assets applicable to contracts in payment period		414,060		—		1,158,619		35,924		666,045
Net assets applicable to seed money		488		777		—		—		—
Total net assets	$	176,995,729	$	18,599,845	$	257,444,463	$	8,413,282	$	157,109,824
(1) Investment shares		7,353,375		999,992		13,811,398		558,280		9,510,280
(2) Investments, at cost	$	105,766,056	$	18,523,438	$	199,865,562	$	6,578,864	$	114,503,142

See accompanying notes to financial statements.

6  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

Statements of Assets and Liabilities

	Invesco VI		Invesco VI		Invesco VI		Invesco VI		Invesco VI
	Am Fran,		Bal Risk Alloc,		Comstock,		Global Hlth,		Intl Gro,
Dec. 31, 2013 (continued)	Ser I		Ser II		Ser II		Ser II		Ser II
Assets
Investments, at fair value(1),(2)	$	15,863,232	$	21,763,371	$	236,246,838	$	44,304,941	$	100,859,235
Dividends receivable		—		—		—		—		—
Accounts receivable from RiverSource Life for contract purchase payments		—		29,146		131		20,469		110,456
Receivable for share redemptions		64,249		65,406		325,177		46,153		82,804
Total assets		15,927,481		21,857,923		236,572,146		44,371,563		101,052,495
Liabilities
Payable to RiverSource Life for:
Mortality and expense risk fee		11,613		19,131		182,278		34,732		78,528
Contract terminations		52,636		46,275		142,899		11,420		4,276
Payable for investments purchased		—		29,146		131		20,469		110,456
Total liabilities		64,249		94,552		325,308		66,621		193,260
Net assets applicable to contracts in accumulation period		15,807,538		21,762,932		236,059,961		44,157,762		100,777,125
Net assets applicable to contracts in payment period		55,694		—		186,877		147,180		82,110
Net assets applicable to seed money		—		439		—		—		—
Total net assets	$	15,863,232	$	21,763,371	$	236,246,838	$	44,304,942	$	100,859,235
(1) Investment shares		313,317		1,783,883		13,362,378		1,550,750		2,891,607
(2) Investments, at cost	$	11,693,405	$	22,147,660	$	166,099,785	$	29,689,795	$	76,980,867
	Invesco				Janus Aspen		Janus Aspen		Janus Aspen
	VI Mid Cap		Ivy VIP		Enterprise,		Flex Bond,		Gbl Alloc Mod,
Dec. 31, 2013 (continued)	Gro, Ser I		Asset Strategy		Serv		Serv		Serv
Assets
Investments, at fair value(1),(2)	$	17,575,045	$	27,766,379	$	15,665,106	$	6,997,533	$	9,385,488
Dividends receivable		—		—		—		—		—
Accounts receivable from RiverSource Life for contract purchase payments		—		169,472		—		37,528		3,978
Receivable for share redemptions		31,895		41,203		41,747		5,463		7,316
Total assets		17,606,940		27,977,054		15,706,853		7,040,524		9,396,782
Liabilities
Payable to RiverSource Life for:
Mortality and expense risk fee		12,961		21,837		11,221		5,462		7,317
Contract terminations		18,935		19,366		30,526		1		—
Payable for investments purchased		—		169,472		—		37,528		3,978
Total liabilities		31,896		210,675		41,747		42,991		11,295
Net assets applicable to contracts in accumulation period		17,494,881		27,645,693		15,665,106		6,976,963		9,159,820
Net assets applicable to contracts in payment period		80,163		120,069		—		19,840		224,778
Net assets applicable to seed money		—		617		—		730		889
Total net assets	$	17,575,044	$	27,766,379	$	15,665,106	$	6,997,533	$	9,385,487
(1) Investment shares		3,285,055		2,095,797		275,794		547,538		764,291
(2) Investments, at cost	$	13,167,342	$	25,620,957	$	9,889,523	$	7,061,111	$	9,017,179

See accompanying notes to financial statements.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  7

Statements of Assets and Liabilities

	Janus Aspen		Janus Aspen		Janus Aspen		Lazard Ret		MFS
	Global		Janus,		Overseas,		Global Dyn MA,		Inv Gro Stock,
Dec. 31, 2013 (continued)	Tech, Serv		Serv		Serv		Serv		Serv Cl
Assets
Investments, at fair value(1),(2)	$	19,917,928	$	59,209,058	$	58,266,647	$	5,819,949	$	82,993,521
Dividends receivable		—		—		—		—		—
Accounts receivable from RiverSource Life for contract purchase payments		—		188		394		20,897		24,507
Receivable for share redemptions		35,729		108,758		127,892		569,104		88,177
Total assets		19,953,657		59,318,004		58,394,933		6,409,950		83,106,205
Liabilities
Payable to RiverSource Life for:
Mortality and expense risk fee		14,483		47,185		43,227		5,170		63,987
Contract terminations		21,246		61,573		84,665		563,934		24,190
Payable for investments purchased		—		188		394		20,897		24,507
Total liabilities		35,729		108,946		128,286		590,001		112,684
Net assets applicable to contracts in accumulation period		19,734,557		59,176,812		58,005,835		5,818,965		82,819,866
Net assets applicable to contracts in payment period		183,371		31,530		260,812		—		173,655
Net assets applicable to seed money		—		716		—		984		—
Total net assets	$	19,917,928	$	59,209,058	$	58,266,647	$	5,819,949	$	82,993,521
(1) Investment shares		2,388,241		1,754,862		1,423,916		473,167		5,547,695
(2) Investments, at cost	$	12,671,918	$	39,016,768	$	50,896,715	$	5,637,181	$	56,586,283
	MFS		MFS		MS UIF		MS UIF		NB AMT
	New Dis,		Utilities,		Global Real		Mid Cap Gro,		Intl Eq,
Dec. 31, 2013 (continued)	Serv Cl		Serv Cl		Est, Cl II		Cl II		Cl S
Assets
Investments, at fair value(1),(2)	$	64,507,702	$	257,426,088	$	63,190,597	$	49,578,317	$	20,121,038
Dividends receivable		—		—		—		—		—
Accounts receivable from RiverSource Life for contract purchase payments		2,297		318,521		60,600		5,556		10,820
Receivable for share redemptions		59,737		223,714		75,287		74,392		16,142
Total assets		64,569,736		257,968,323		63,326,484		49,658,265		20,148,000
Liabilities
Payable to RiverSource Life for:
Mortality and expense risk fee		48,395		204,351		50,498		39,961		15,803
Contract terminations		11,342		19,364		24,789		34,431		339
Payable for investments purchased		2,297		318,521		60,600		5,556		10,820
Total liabilities		62,034		542,236		135,887		79,948		26,962
Net assets applicable to contracts in accumulation period		64,383,839		256,995,245		63,018,301		49,503,454		20,100,205
Net assets applicable to contracts in payment period		123,863		430,458		172,296		74,449		20,833
Net assets applicable to seed money		—		384		—		414		—
Total net assets	$	64,507,702	$	257,426,087	$	63,190,597	$	49,578,317	$	20,121,038
(1) Investment shares		3,068,873		8,180,047		6,758,353		3,479,180		1,743,591
(2) Investments, at cost	$	44,486,335	$	205,271,741	$	58,274,933	$	39,148,992	$	18,006,619

See accompanying notes to financial statements.

8  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

Statements of Assets and Liabilities

									PIMCO
	Oppen		Oppen Global		Oppen		PIMCO		VIT Glb
	Global VA,		Strategic Inc		Main St Sm Cap		VIT All Asset,		MA Man Alloc,
Dec. 31, 2013 (continued)	Serv		VA, Srv		VA, Serv		Advisor Cl		Adv Cl
Assets
Investments, at fair value(1),(2)	$	114,932,532	$	631,310,800	$	85,904,690	$	222,702,641	$	4,991,472
Dividends receivable		—		—		—		—		—
Accounts receivable from RiverSource Life for contract purchase payments		46,420		107,491		31,413		107,161		11,276
Receivable for share redemptions		112,790		858,891		98,585		419,830		4,717
Total assets		115,091,742		632,277,182		86,034,688		223,229,632		5,007,465
Liabilities
Payable to RiverSource Life for:
Mortality and expense risk fee		91,935		506,641		69,332		185,534		4,498
Contract terminations		20,855		352,250		29,253		234,296		219
Payable for investments purchased		46,420		107,491		31,413		107,161		11,276
Total liabilities		159,210		966,382		129,998		526,991		15,993
Net assets applicable to contracts in accumulation period		114,603,072		629,506,011		85,801,871		221,642,587		4,990,908
Net assets applicable to contracts in payment period		328,456		1,804,141		102,374		1,059,740		—
Net assets applicable to seed money		1,004		648		445		314		564
Total net assets	$	114,932,532	$	631,310,800	$	85,904,690	$	222,702,641	$	4,991,472
(1) Investment shares		2,839,944		114,783,782		3,120,403		20,282,572		438,618
(2) Investments, at cost	$	86,261,917	$	609,715,296	$	54,878,044	$	225,327,436	$	5,405,935
	PIMCO		Put VT		Royce				VanEck
	VIT Tot Return,		Multi-Cap		Micro-Cap,		Third		VIP Global
Dec. 31, 2013 (continued)	Advisor Cl		Gro, Cl IB		Invest Cl		Ave Val		Gold, Cl S
Assets
Investments, at fair value(1),(2)	$	7,896,999	$	29,282,832	$	30,689,160	$	28,415,479	$	3,278,475
Dividends receivable		33,225		—		—		—		—
Accounts receivable from RiverSource Life for contract purchase payments		11,040		—		4,733		1,694		5,243
Receivable for share redemptions		6,614		115,818		22,758		28,678		2,538
Total assets		7,947,878		29,398,650		30,716,651		28,445,851		3,286,256
Liabilities
Payable to RiverSource Life for:
Mortality and expense risk fee		6,614		21,488		22,758		21,115		2,538
Contract terminations		—		94,330		—		7,563		—
Payable for investments purchased		44,265		—		4,733		1,694		5,243
Total liabilities		50,879		115,818		27,491		30,372		7,781
Net assets applicable to contracts in accumulation period		7,872,674		29,180,265		30,421,707		28,231,716		3,277,952
Net assets applicable to contracts in payment period		—		102,567		267,453		183,763		—
Net assets applicable to seed money		24,325		—		—		—		523
Total net assets	$	7,896,999	$	29,282,832	$	30,689,160	$	28,415,479	$	3,278,475
(1) Investment shares		719,217		961,038		2,391,984		1,715,911		478,609
(2) Investments, at cost	$	8,086,558	$	17,530,023	$	21,743,077	$	28,121,683	$	3,846,988

See accompanying notes to financial statements.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  9

Statements of Assets and Liabilities

	VP		VP		VP AQR		VP BR		VP
	Aggr,		Aggr,		Man Fut		Gl Infl Prot		Conserv,
Dec. 31, 2013 (continued)	Cl 2		Cl 4		Strategy, Cl 2		Sec, Cl 3		Cl 2
Assets
Investments, at fair value(1),(2)	$	1,175,116,378	$	1,626,306,194	$	6,704,287	$	164,618,543	$	679,417,990
Dividends receivable		—		—		—		—		—
Accounts receivable from RiverSource Life for contract purchase payments		85,329		1,803		18,955		78,777		336,341
Receivable for share redemptions		—		—		—		—		—
Total assets		1,175,201,707		1,626,307,997		6,723,242		164,697,320		679,754,331
Liabilities
Payable to RiverSource Life for:
Mortality and expense risk fee		989,261		1,322,395		5,102		131,363		631,735
Contract terminations		1,142,291		2,165,995		156		114,988		240,223
Payable for investments purchased		—		—		—		—		—
Total liabilities		2,131,552		3,488,390		5,258		246,351		871,958
Net assets applicable to contracts in accumulation period		1,172,821,071		1,622,819,607		6,717,074		164,318,434		678,688,568
Net assets applicable to contracts in payment period		249,048		—		—		132,535		193,794
Net assets applicable to seed money		36		—		910		—		11
Total net assets	$	1,173,070,155	$	1,622,819,607	$	6,717,984	$	164,450,969	$	678,882,373
(1) Investment shares		78,236,776		108,132,061		619,620		18,856,649		56,523,959
(2) Investments, at cost	$	922,791,277	$	1,102,709,137	$	6,460,454	$	178,732,030	$	623,772,339
	VP		VP GS		VP		VP		VP
	Conserv,		Commodity		Mod,		Mod,		Mod Aggr,
Dec. 31, 2013 (continued)	Cl 4		Strategy, Cl 2		Cl 2		Cl 4		Cl 2
Assets
Investments, at fair value(1),(2)	$	1,125,302,606	$	1,508,533	$	6,949,099,165	$	11,685,829,210	$	4,202,088,910
Dividends receivable		—		—		—		—		—
Accounts receivable from RiverSource Life for contract purchase payments		82,000		741		1,269,072		32,254		525,336
Receivable for share redemptions		—		—		—		—		—
Total assets		1,125,384,606		1,509,274		6,950,368,237		11,685,861,464		4,202,614,246
Liabilities
Payable to RiverSource Life for:
Mortality and expense risk fee		978,032		1,181		6,083,544		9,638,232		3,583,588
Contract terminations		760,185		—		2,501,543		5,162,988		3,734,000
Payable for investments purchased		—		—		—		—		—
Total liabilities		1,738,217		1,181		8,585,087		14,801,220		7,317,588
Net assets applicable to contracts in accumulation period		1,123,646,389		1,507,383		6,940,214,189		11,671,060,244		4,193,087,822
Net assets applicable to contracts in payment period		—		—		1,568,949		—		2,208,824
Net assets applicable to seed money		—		710		12		—		12
Total net assets	$	1,123,646,389	$	1,508,093	$	6,941,783,150	$	11,671,060,244	$	4,195,296,658
(1) Investment shares		93,697,136		176,231		509,838,530		856,104,704		292,420,940
(2) Investments, at cost	$	979,213,651	$	1,531,733	$	5,730,170,427	$	8,595,504,431	$	3,353,724,389

See accompanying notes to financial statements.

10  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

Statements of Assets and Liabilities

	VP Mod		VP Mod		VP Mod		VP Ptnrs		VP Pyrford
	Aggr,		Conserv,		Conserv,		Sm Cap Val,		Intl Eq,
Dec. 31, 2013 (continued)	Cl 4		Cl 2		Cl 4		Cl 3		Cl 2
Assets
Investments, at fair value(1),(2)	$	5,956,295,743	$	1,707,816,888	$	2,947,097,641	$	147,373,093	$	797,405
Dividends receivable		—		—		—		—		—
Accounts receivable from RiverSource Life for contract purchase payments		3,090		128,713		13,774		4,612		21,756
Receivable for share redemptions		—		—		—		—		—
Total assets		5,956,298,833		1,707,945,601		2,947,111,415		147,377,705		819,161
Liabilities
Payable to RiverSource Life for:
Mortality and expense risk fee		4,884,625		1,534,670		2,495,902		111,697		664
Contract terminations		6,271,698		1,447,612		3,967,762		71,883		—
Payable for investments purchased		—		—		—		—		—
Total liabilities		11,156,323		2,982,282		6,463,664		183,580		664
Net assets applicable to contracts in accumulation period		5,945,142,510		1,704,597,120		2,940,647,751		146,676,387		817,482
Net assets applicable to contracts in payment period		—		366,188		—		517,738		—
Net assets applicable to seed money		—		11		—		—		1,015
Total net assets	$	5,945,142,510	$	1,704,963,319	$	2,940,647,751	$	147,194,125	$	818,497
(1) Investment shares		413,919,093		133,631,994		230,062,267		6,605,697		75,799
(2) Investments, at cost	$	4,148,709,329	$	1,481,979,365	$	2,346,819,601	$	85,472,899	$	766,200
	VP Sit		VP Vty						WF Adv
	Divd Gro,		Estb Val,						VT Index Asset
Dec. 31, 2013 (continued)	Cl 3		Cl 3		Wanger Intl		Wanger USA		Alloc, Cl 2
Assets
Investments, at fair value(1),(2)	$	46,158,516	$	18,012,204	$	342,949,976	$	392,288,094	$	29,124,911
Dividends receivable		—		—		—		—		—
Accounts receivable from RiverSource Life for contract purchase payments		11,024		12,002		1,315		—		1,796
Receivable for share redemptions		—		—		—		—		53,093
Total assets		46,169,540		18,024,206		342,951,291		392,288,094		29,179,800
Liabilities
Payable to RiverSource Life for:
Mortality and expense risk fee		36,348		13,808		263,740		299,955		22,002
Contract terminations		44,599		13,804		139,605		230,029		31,090
Payable for investments purchased		—		—		—		—		1,796
Total liabilities		80,947		27,612		403,345		529,984		54,888
Net assets applicable to contracts in accumulation period		46,023,501		17,971,069		341,991,464		391,081,065		28,866,024
Net assets applicable to contracts in payment period		65,092		25,525		556,482		677,045		258,888
Net assets applicable to seed money		—		—		—		—		—
Total net assets	$	46,088,593	$	17,996,594	$	342,547,946	$	391,758,110	$	29,124,912
(1) Investment shares		3,369,235		1,083,115		9,926,193		9,537,761		1,837,534
(2) Investments, at cost	$	30,499,246	$	12,207,630	$	265,558,577	$	272,158,244	$	22,884,381

See accompanying notes to financial statements.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  11

Statements of Assets and Liabilities

	WF Adv		WF Adv		WA Var
	VT Intl Eq,		VT Sm Cap Gro,		Global Hi Yd Bond,
Dec. 31, 2013 (continued)	Cl 2		Cl 2		Cl II
Assets
Investments, at fair value(1),(2)	$	48,585,588	$	84,690,225	$	3,051,408
Dividends receivable		—		—		—
Accounts receivable from RiverSource Life for contract purchase payments		993		158,152		8,232
Receivable for share redemptions		69,029		80,425		50,507
Total assets		48,655,610		84,928,802		3,110,147
Liabilities
Payable to RiverSource Life for:
Mortality and expense risk fee		38,208		67,610		2,527
Contract terminations		30,822		12,815		47,981
Payable for investments purchased		993		158,152		8,232
Total liabilities		70,023		238,577		58,740
Net assets applicable to contracts in accumulation period		48,429,518		84,611,841		3,050,582
Net assets applicable to contracts in payment period		156,069		77,826		—
Net assets applicable to seed money		—		558		825
Total net assets	$	48,585,587	$	84,690,225	$	3,051,407
(1) Investment shares		8,833,743		7,548,148		367,639
(2) Investments, at cost	$	40,987,855	$	57,768,978	$	3,151,345

See accompanying notes to financial statements.

12  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

Statements of Operations

	AB VPS			AB VPS Global			AB VPS			AB VPS			ALPS Alerian
	Dyn Asset Alloc,			Thematic Gro,			Gro & Inc,			Intl Val,			Engy Infr,
Period ended Dec. 31, 2013	Cl B(1)			Cl B			Cl B			Cl B			Class III(2)
Investment income
Dividend income		$  3,092			$    1,862			$ 1,304,503			$12,483,106			$      —
Variable account expenses		11,788			78,508			997,208			1,885,465			48,749
Investment income (loss) — net		(8,696	)		(76,646	)		307,295			10,597,641			(48,749	)
Realized and unrealized gain (loss) on investments — net
Realized gain (loss) on sales of investments:
Proceeds from sales		195,716			2,571,808			21,481,305			42,580,719			357,662
Cost of investments sold		192,518			2,326,972			18,442,350			48,877,167			351,601
Net realized gain (loss) on sales of investments		3,198			244,836			3,038,955			(6,296,448	)		6,061
Distributions from capital gains		4,265			—			—			—			—
Net change in unrealized appreciation or depreciation of investments		138,401			1,529,175			29,572,184			38,265,538			1,176,181
Net gain (loss) on investments		145,864			1,774,011			32,611,139			31,969,090			1,182,242
Net increase (decrease) in net assets resulting from operations		$137,168			$1,697,365			$32,918,434			$42,566,731			$1,133,493
(1) For the period April 29, 2013 (commencement of operations) to Dec. 31, 2013.
(2) For the period April 30, 2013 (commencement of operations) to Dec. 31, 2013.
	AC VP			AC VP			AC VP			AC VP			BlackRock
	Intl,			Mid Cap Val,			Ultra,			Val,			Global Alloc,
Year ended Dec. 31, 2013 (continued)	Cl I			Cl II			Cl II			Cl I			Cl III
Investment income
Dividend income		$  251,165			$   509,326			$  114,045			$   803,125			$  475,678
Variable account expenses		121,739			447,457			247,338			413,031			260,153
Investment income (loss) — net		129,426			61,869			(133,293	)		390,094			215,525
Realized and unrealized gain (loss) on investments — net
Realized gain (loss) on sales of investments:
Proceeds from sales		2,873,405			11,362,655			6,878,677			8,515,640			2,840,328
Cost of investments sold		2,587,140			9,066,051			5,298,265			7,445,646			2,711,366
Net realized gain (loss) on sales of investments		286,265			2,296,604			1,580,412			1,069,994			128,962
Distributions from capital gains		—			676,647			—			—			1,787,353
Net change in unrealized appreciation or depreciation of investments		2,379,332			8,866,133			7,029,182			11,472,912			1,306,220
Net gain (loss) on investments		2,665,597			11,839,384			8,609,594			12,542,906			3,222,535
Net increase (decrease) in net assets resulting from operations		$2,795,023			$11,901,253			$8,476,301			$12,933,000			$3,438,060

See accompanying notes to financial statements.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  13

Statements of Operations

				Col			Col VP			Col VP			Col VP
	Calvert VP			VP Bal,			Cash Mgmt,			Commodity			Contrarian
Period ended Dec. 31, 2013 (continued)	SRI Bal			Cl 3			Cl 3			Strategy, Cl 2(1)			Core, Cl 2(2)
Investment income
Dividend income		$  264,604			$       —			$      26,771			$     —			$      —
Variable account expenses		212,598			2,333,038			2,490,501			2,208			24,539
Investment income (loss) — net		52,006			(2,333,038	)		(2,463,730	)		(2,208	)		(24,539	)
Realized and unrealized gain (loss) on investments — net
Realized gain (loss) on sales of investments:
Proceeds from sales		3,878,850			33,504,685			126,977,953			54,288			361,644
Cost of investments sold		3,352,212			26,770,348			126,953,315			55,747			355,522
Net realized gain (loss) on sales of investments		526,638			6,734,337			24,638			(1,459	)		6,122
Distributions from capital gains		2,232,106			—			—			—			—
Net change in unrealized appreciation or depreciation of investments		1,122,432			38,097,340			(24,636	)		(9,715	)		751,767
Net gain (loss) on investments		3,881,176			44,831,677			2			(11,174	)		757,889
Net increase (decrease) in net assets resulting from operations		$3,933,182			$42,498,639			$   (2,463,728	)		$ (13,382	)		$733,350
(1) For the period April 30, 2013 (commencement of operations) to Dec. 31, 2013.
(2) For the period April 29, 2013 (commencement of operations) to Dec. 31, 2013.
	Col VP			Col VP			Col VP			Col VP Emerg			Col VP
	Core Bond,			Div Bond,			Divd Opp,			Mkts Bond,			Emer Mkts,
Period ended Dec. 31, 2013 (continued)	Cl 2(1)			Cl 3			Cl 3			Cl 2(2)			Cl 3
Investment income
Dividend income		$     —			$  36,988,717			$         —			$  95,478			$  1,438,192
Variable account expenses		5,290			7,633,342			6,958,770			12,661			2,336,901
Investment income (loss) — net		(5,290	)		29,355,375			(6,958,770	)		82,817			(898,709	)
Realized and unrealized gain (loss) on investments — net
Realized gain (loss) on sales of investments:
Proceeds from sales		245,329			332,565,587			108,602,252			438,076			46,654,270
Cost of investments sold		247,155			331,551,801			80,758,679			463,073			39,041,030
Net realized gain (loss) on sales of investments		(1,826	)		1,013,786			27,843,573			(24,997	)		7,613,240
Distributions from capital gains		—			36,977,380			—			7,349			—
Net change in unrealized appreciation or depreciation of investments		(7,738	)		(95,984,220	)		151,065,108			(166,807	)		(14,182,807	)
Net gain (loss) on investments		(9,564	)		(57,993,054	)		178,908,681			(184,455	)		(6,569,567	)
Net increase (decrease) in net assets resulting from operations		$(14,854	)		$ (28,637,679	)		$171,949,911			$(101,638	)		$ (7,468,276	)
(1) For the period April 30, 2013 (commencement of operations) to Dec. 31, 2013.
(2) For the period April 29, 2013 (commencement of operations) to Dec. 31, 2013.

See accompanying notes to financial statements.

14  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

Statements of Operations

	Col VP			Col VP			Col VP			Col VP			Col VP
	Global Bond,			Hi Yield Bond,			Inc Opp,			Intl Opp,			Lg Cap Gro,
Year ended Dec. 31, 2013 (continued)	Cl 3			Cl 3			Cl 3			Cl 3			Cl 3
Investment income
Dividend income		$ 16,302,857			$28,667,605			$ 26,878,519			$ 1,662,419			$        —
Variable account expenses		2,530,594			4,044,493			1,839,006			1,034,921			1,127,277
Investment income (loss) — net		13,772,263			24,623,112			25,039,513			627,498			(1,127,277	)
Realized and unrealized gain (loss) on investments — net
Realized gain (loss) on sales of investments:
Proceeds from sales		86,069,911			84,715,750			58,906,731			17,566,490			21,912,431
Cost of investments sold		86,367,442			77,627,744			62,512,397			14,458,546			18,203,567
Net realized gain (loss) on sales of investments		(297,531	)		7,088,006			(3,605,666	)		3,107,944			3,708,864
Distributions from capital gains		1,883,835			—			19,784,265			—			—
Net change in unrealized appreciation or depreciation of investments		(40,779,168	)		(9,897,196	)		(33,277,189	)		15,527,523			31,204,096
Net gain (loss) on investments		(39,192,864	)		(2,809,190	)		(17,098,590	)		18,635,467			34,912,960
Net increase (decrease) in net assets resulting from operations		$(25,420,601	)		$21,813,922			$  7,940,923			$19,262,965			$33,785,683
	Col VP			Col VP			Col VP			Col VP			Col VP
	Lg Core Quan,			Marsico Gro,			Marsico Intl			Mid Cap Gro			Mid Cap Val
Year ended Dec. 31, 2013 (continued)	Cl 3			Cl 1			Opp, Cl 2			Opp, Cl 3			Opp, Cl 3
Investment income
Dividend income		$         —			$   416,164			$   194,558			$        —			$       —
Variable account expenses		3,920,034			1,583,408			420,853			901,220			803,163
Investment income (loss) — net		(3,920,034	)		(1,167,244	)		(226,295	)		(901,220	)		(803,163	)
Realized and unrealized gain (loss) on investments — net
Realized gain (loss) on sales of investments:
Proceeds from sales		68,990,320			38,418,270			9,479,832			16,468,179			14,186,014
Cost of investments sold		57,386,127			25,869,490			10,780,617			11,969,162			11,583,061
Net realized gain (loss) on sales of investments		11,604,193			12,548,780			(1,300,785	)		4,499,017			2,602,953
Distributions from capital gains		—			—			—			—			—
Net change in unrealized appreciation or depreciation of investments		104,594,461			40,862,066			9,642,440			20,306,023			25,759,693
Net gain (loss) on investments		116,198,654			53,410,846			8,341,655			24,805,040			28,362,646
Net increase (decrease) in net assets resulting from operations		$112,278,620			$52,243,602			$ 8,115,360			$23,903,820			$27,559,483

See accompanying notes to financial statements.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  15

Statements of Operations

	Col VP			Col VP			Col VP			Col VP			Col VP
	Multi-Strategy			S&P 500,			Select Lg Cap			Select Sm Cap			US Govt Mtge,
Period ended Dec. 31, 2013 (continued)	Alt, Cl 2(1)			Cl 3			Val, Cl 3			Val, Cl 3			Cl 3
Investment income
Dividend income		$     —			$       —			$       —			$        —			$ 1,190,044
Variable account expenses		16,816			1,373,676			314,031			496,640			1,702,554
Investment income (loss) — net		(16,816	)		(1,373,676	)		(314,031	)		(496,640	)		(512,510	)
Realized and unrealized gain (loss) on investments — net
Realized gain (loss) on sales of investments:
Proceeds from sales		449,030			24,873,327			4,626,172			9,249,647			85,401,386
Cost of investments sold		459,899			17,450,356			3,484,850			7,096,021			85,246,431
Net realized gain (loss) on sales of investments		(10,869	)		7,422,971			1,141,322			2,153,626			154,955
Distributions from capital gains		—			—			—			—			—
Net change in unrealized appreciation or depreciation of investments		(45,988	)		34,911,100			9,881,678			20,129,945			(5,357,564	)
Net gain (loss) on investments		(56,857	)		42,334,071			11,023,000			22,283,571			(5,202,609	)
Net increase (decrease) in net assets resulting from operations		$(73,673	)		$40,960,395			$10,708,969			$21,786,931			$(5,715,119	)
(1) For the period April 29, 2013 (commencement of operations) to Dec. 31, 2013.
	CS			DWS Alt			EV VT			Fid VIP			Fid VIP
	Commodity			Asset Alloc			Floating-			Contrafund,			Gro & Inc,
Year ended Dec. 31, 2013 (continued)	Return			VIP, Cl B			Rate Inc			Serv Cl 2			Serv Cl
Investment income
Dividend income		$       —			$  258,153			$10,063,959			$  3,858,375			$   979,414
Variable account expenses		556,902			158,080			2,641,018			4,278,160			487,726
Investment income (loss) — net		(556,902	)		100,073			7,422,941			(419,785	)		491,688
Realized and unrealized gain (loss) on investments — net
Realized gain (loss) on sales of investments:
Proceeds from sales		17,000,770			2,459,341			19,656,361			63,899,342			11,300,228
Cost of investments sold		23,971,249			2,470,905			19,283,385			55,660,905			9,292,831
Net realized gain (loss) on sales of investments		(6,970,479	)		(11,564	)		372,976			8,238,437			2,007,397
Distributions from capital gains		—			—			1,776,599			135,118			—
Net change in unrealized appreciation or depreciation of investments		(2,323	)		(108,116	)		(1,496,327	)		114,220,805			13,583,824
Net gain (loss) on investments		(6,972,802	)		(119,680	)		653,248			122,594,360			15,591,221
Net increase (decrease) in net assets resulting from operations		$(7,529,704	)		$  (19,607	)		$ 8,076,189			$122,174,575			$16,082,909

See accompanying notes to financial statements.

16  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

Statements of Operations

	Fid VIP			Fid VIP			Fid VIP			FTVIPT Frank			FTVIPT
	Mid Cap,			Overseas,			Strategic Inc,			Global Real			Frank Inc,
Period ended Dec. 31, 2013 (continued)	Serv Cl			Serv Cl			Serv Cl 2(1)			Est, Cl 2			Cl 2(1)
Investment income
Dividend income		$   461,823			$  238,372			$ 479,581			$  7,214,640			$ 64,035
Variable account expenses		976,895			163,436			44,615			1,366,134			42,326
Investment income (loss) — net		(515,072	)		74,936			434,966			5,848,506			21,709
Realized and unrealized gain (loss) on investments — net
Realized gain (loss) on sales of investments:
Proceeds from sales		21,259,734			4,292,799			708,088			19,915,977			287,373
Cost of investments sold		14,592,214			4,350,391			714,438			25,995,830			285,737
Net realized gain (loss) on sales of investments		6,667,520			(57,592	)		(6,350	)		(6,079,853	)		1,636
Distributions from capital gains		14,595,928			70,813			99,044			—			—
Net change in unrealized appreciation or depreciation of investments		14,010,207			4,920,441			(474,877	)		2,615,119			598,147
Net gain (loss) on investments		35,273,655			4,933,662			(382,183	)		(3,464,734	)		599,783
Net increase (decrease) in net assets resulting from operations		$34,758,583			$5,008,598			$  52,783			$ 2,383,772			$621,492
(1) For the period April 29, 2013 (commencement of operations) to Dec. 31, 2013.
	FTVIPT Frank			FTVIPT			GS VIT			GS VIT			GS VIT
	Sm Cap			Temp Global			Mid Cap			Sm Cap Eq			U.S. Eq
Period ended Dec. 31, 2013 (continued)	Val, Cl 2			Bond, Cl 2(1)			Val, Inst			Insights, Inst			Insights, Inst
Investment income
Dividend income		$ 2,082,773			$163,795			$ 2,022,109			$   75,860			$ 1,622,536
Variable account expenses		1,423,282			59,569			2,127,332			64,427			1,277,443
Investment income (loss) — net		659,491			104,226			(105,223	)		11,433			345,093
Realized and unrealized gain (loss) on investments — net
Realized gain (loss) on sales of investments:
Proceeds from sales		25,679,233			467,685			46,947,194			1,251,624			27,925,313
Cost of investments sold		17,234,393			478,035			37,044,011			965,210			22,967,972
Net realized gain (loss) on sales of investments		8,444,840			(10,350	)		9,903,183			286,414			4,957,341
Distributions from capital gains		2,687,888			42,290			19,511,061			957,554			—
Net change in unrealized appreciation or depreciation of investments		36,435,313			76,408			39,019,559			1,002,699			40,301,644
Net gain (loss) on investments		47,568,041			108,348			68,433,803			2,246,667			45,258,985
Net increase (decrease) in net assets resulting from operations		$48,227,532			$212,574			$68,328,580			$2,258,100			$45,604,078
(1) For the period April 29, 2013 (commencement of operations) to Dec. 31, 2013.

See accompanying notes to financial statements.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  17

Statements of Operations

	Invesco VI			Invesco VI			Invesco VI			Invesco VI			Invesco VI
	Am Fran,			Bal Risk Alloc,			Comstock,			Global Hlth,			Intl Gro,
Period ended Dec. 31, 2013 (continued)	Ser I			Ser II(1)			Ser II			Ser II			Ser II
Investment income
Dividend income		$   61,498			$ 220,983			$ 3,201,072			$   204,222			$   998,213
Variable account expenses		119,452			82,064			1,987,468			325,697			859,557
Investment income (loss) — net		(57,954	)		138,919			1,213,604			(121,475	)		138,656
Realized and unrealized gain (loss) on investments — net
Realized gain (loss) on sales of investments:
Proceeds from sales		2,935,494			760,823			45,233,965			4,465,245			15,491,706
Cost of investments sold		2,627,226			774,403			35,638,182			3,295,654			12,898,545
Net realized gain (loss) on sales of investments		308,268			(13,580	)		9,595,783			1,169,591			2,593,161
Distributions from capital gains		—			419,424			—			—			—
Net change in unrealized appreciation or depreciation of investments		4,502,826			(384,289	)		55,789,182			10,402,153			13,080,964
Net gain (loss) on investments		4,811,094			21,555			65,384,965			11,571,744			15,674,125
Net increase (decrease) in net assets resulting from operations		$4,753,140			$ 160,474			$66,598,569			$11,450,269			$15,812,781
(1) For the period April 29, 2013 (commencement of operations) to Dec. 31, 2013.
	Invesco						Janus Aspen			Janus Aspen			Janus Aspen
	VI Mid Cap			Ivy VIP			Enterprise,			Flex Bond,			Gbl Alloc Mod,
Period ended Dec. 31, 2013 (continued)	Gro, Ser I			Asset Strategy(1)			Serv			Serv(1)			Serv
Investment income
Dividend income		$   66,802			$    9,607			$   53,405			$110,395			$  118,957
Variable account expenses		138,119			65,637			120,455			21,306			43,517
Investment income (loss) — net		(71,317	)		(56,030	)		(67,050	)		89,089			75,440
Realized and unrealized gain (loss) on investments — net
Realized gain (loss) on sales of investments:
Proceeds from sales		3,044,110			568,588			2,384,208			663,435			1,312,896
Cost of investments sold		2,651,675			548,065			1,712,562			670,932			1,262,014
Net realized gain (loss) on sales of investments		392,435			20,523			671,646			(7,497	)		50,882
Distributions from capital gains		—			—			—			—			104,154
Net change in unrealized appreciation or depreciation of investments		4,672,641			2,145,422			3,351,067			(63,578	)		359,780
Net gain (loss) on investments		5,065,076			2,165,945			4,022,713			(71,075	)		514,816
Net increase (decrease) in net assets resulting from operations		$4,993,759			$2,109,915			$3,955,663			$ 18,014			$  590,256
(1) For the period April 29, 2013 (commencement of operations) to Dec. 31, 2013.

See accompanying notes to financial statements.

18  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

Statements of Operations

	Janus Aspen			Janus Aspen			Janus Aspen			Lazard Ret			MFS
	Global			Janus,			Overseas,			Global Dyn MA,			Inv Gro Stock,
Period ended Dec. 31, 2013 (continued)	Tech, Serv			Serv			Serv			Serv(1)			Serv Cl
Investment income
Dividend income		$      —			$   375,773			$ 1,821,863			$ 17,908			$   323,578
Variable account expenses		149,080			521,186			508,712			14,979			680,552
Investment income (loss) — net		(149,080	)		(145,413	)		1,313,151			2,929			(356,974	)
Realized and unrealized gain (loss) on investments — net
Realized gain (loss) on sales of investments:
Proceeds from sales		3,544,333			14,726,696			18,325,038			663,241			13,724,340
Cost of investments sold		2,665,639			11,064,680			17,273,584			644,550			10,225,420
Net realized gain (loss) on sales of investments		878,694			3,662,016			1,051,454			18,691			3,498,920
Distributions from capital gains		—			—			—			126,201			2,431,708
Net change in unrealized appreciation or depreciation of investments		4,567,217			11,051,841			5,017,085			182,768			14,079,074
Net gain (loss) on investments		5,445,911			14,713,857			6,068,539			327,660			20,009,702
Net increase (decrease) in net assets resulting from operations		$5,296,831			$14,568,444			$ 7,381,690			$330,589			$19,652,728
(1) For the period April 29, 2013 (commencement of operations) to Dec. 31, 2013.
	MFS			MFS			MS UIF			MS UIF			NB AMT
	New Dis,			Utilities,			Global Real			Mid Cap Gro,			Intl Eq,
Year ended Dec. 31, 2013 (continued)	Serv Cl			Serv CI			Est, Cl II			Cl II			Cl S
Investment income
Dividend income		$       —			$ 5,313,547			$ 2,434,727			$   105,598			$  257,901
Variable account expenses		511,393			2,286,398			602,206			412,969			166,820
Investment income (loss) — net		(511,393	)		3,027,149			1,832,521			(307,371	)		91,081
Realized and unrealized gain (loss) on investments — net
Realized gain (loss) on sales of investments:
Proceeds from sales		10,692,477			42,741,594			10,830,053			13,166,423			4,006,925
Cost of investments sold		8,554,120			35,300,090			9,683,652			12,166,638			3,842,310
Net realized gain (loss) on sales of investments		2,138,357			7,441,504			1,146,401			999,785			164,615
Distributions from capital gains		506,974			4,728,311			—			998,098			—
Net change in unrealized appreciation or depreciation of investments		17,685,063			28,572,954			(1,817,232	)		12,205,683			2,640,482
Net gain (loss) on investments		20,330,394			40,742,769			(670,831	)		14,203,566			2,805,097
Net increase (decrease) in net assets resulting from operations		$19,819,001			$43,769,918			$ 1,161,690			$13,896,195			$2,896,178

See accompanying notes to financial statements.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  19

Statements of Operations

													PIMCO
	Oppen			Oppen Global			Oppen			PIMCO			VIT Glb
	Global VA,			Strategic Inc			Main St Sm Cap			VIT All Asset,			MA Man Alloc,
Year ended Dec. 31, 2013 (continued)	Serv			VA, Srv			VA, Serv			Advisor Cl			Adv Cl
Investment income
Dividend income		$ 1,194,540			$ 35,724,017			$   522,820			$ 11,477,806			$   156,041
Variable account expenses		934,805			6,723,090			691,734			2,552,258			47,866
Investment income (loss) — net		259,735			29,000,927			(168,914	)		8,925,548			108,175
Realized and unrealized gain (loss) on investments — net
Realized gain (loss) on sales of investments:
Proceeds from sales		12,956,989			199,686,986			10,766,639			93,601,952			1,772,983
Cost of investments sold		10,785,028			190,734,900			7,697,471			92,963,354			1,874,528
Net realized gain (loss) on sales of investments		2,171,961			8,952,086			3,069,168			638,598			(101,545	)
Distributions from capital gains		—			—			902,579			—			—
Net change in unrealized appreciation or depreciation of investments		21,113,309			(48,484,091	)		20,469,788			(12,846,542	)		(471,287	)
Net gain (loss) on investments		23,285,270			(39,532,005	)		24,441,535			(12,207,944	)		(572,832	)
Net increase (decrease) in net assets resulting from operations		$23,545,005			$(10,531,078	)		$24,272,621			$ (3,282,396	)		$  (464,657	)
	PIMCO			Put VT			Royce						VanEck
	VIT Tot Return,			Multi-Cap			Micro-Cap,			Third			VIP Global
Period ended Dec. 31, 2013 (continued)	Advisor Cl(1)			Gro, Cl IB			Invest Cl			Ave Val			Gold, Cl S(1)
Investment income
Dividend income		$  80,594			$  136,350			$  149,392			$  946,994			$      —
Variable account expenses		33,934			223,744			257,434			244,900			12,745
Investment income (loss) — net		46,660			(87,394	)		(108,042	)		702,094			(12,745	)
Realized and unrealized gain (loss) on investments — net
Realized gain (loss) on sales of investments:
Proceeds from sales		642,256			4,266,213			7,219,976			6,069,680			202,899
Cost of investments sold		652,638			2,988,796			5,569,159			6,353,740			212,371
Net realized gain (loss) on sales of investments		(10,382	)		1,277,417			1,650,817			(284,060	)		(9,472	)
Distributions from capital gains		66,299			—			782,906			—			—
Net change in unrealized appreciation or depreciation of investments		(189,559	)		6,908,530			3,144,052			4,386,177			(568,513	)
Net gain (loss) on investments		(133,642	)		8,185,947			5,577,775			4,102,117			(577,985	)
Net increase (decrease) in net assets resulting from operations		$ (86,982	)		$8,098,553			$5,469,733			$4,804,211			$(590,730	)
(1) For the period April 29, 2013 (commencement of operations) to Dec. 31, 2013.

See accompanying notes to financial statements.

20  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

Statements of Operations

	VP			VP			VP AQR			VP BR			VP
	Aggr,			Aggr,			Man Fut			Gl Infl Prot			Conserv,
Period ended Dec. 31, 2013 (continued)	Cl 2			Cl 4			Strategy, Cl 2(1)			Sec, Cl 3			Cl 2
Investment income
Dividend income		$        —			$        —			$ 43,402			$        —			$        —
Variable account expenses		9,597,921			14,588,130			17,213			1,911,075			8,769,729
Investment income (loss) — net		(9,597,921	)		(14,588,130	)		26,189			(1,911,075	)		(8,769,729	)
Realized and unrealized gain (loss) on investments — net
Realized gain (loss) on sales of investments:
Proceeds from sales		97,238,061			327,325,727			235,922			85,693,544			419,422,790
Cost of investments sold		81,108,650			233,453,545			240,800			89,494,843			389,536,489
Net realized gain (loss) on sales of investments		16,129,411			93,872,182			(4,878	)		(3,801,299	)		29,886,301
Distributions from capital gains		—			—			9,469			7,208,244			—
Net change in unrealized appreciation or depreciation of investments		172,244,616			207,777,282			243,833			(15,151,001	)		(4,356,385	)
Net gain (loss) on investments		188,374,027			301,649,464			248,424			(11,744,056	)		25,529,916
Net increase (decrease) in net assets resulting from operations		$178,776,106			$287,061,334			$274,613			$(13,655,131	)		$ 16,760,187
(1) For the period April 29, 2013 (commencement of operations) to Dec. 31, 2013.
	VP			VP GS			VP			VP			VP
	Conserv,			Commodity			Mod,			Mod,			Mod Aggr,
Period ended Dec. 31, 2013 (continued)	Cl 4			Strategy, Cl 2(1)			Cl 2			Cl 4			Cl 2
Investment income
Dividend income		$         —			$    —			$        —			$          —			$         —
Variable account expenses		14,866,564			4,837			65,568,776			107,059,588			36,880,735
Investment income (loss) — net		(14,866,564	)		(4,837	)		(65,568,776	)		(107,059,588	)		(36,880,735	)
Realized and unrealized gain (loss) on investments — net
Realized gain (loss) on sales of investments:
Proceeds from sales		875,440,145			127,515			507,813,519			942,105,222			287,868,317
Cost of investments sold		773,611,877			131,069			434,484,477			717,715,927			240,405,806
Net realized gain (loss) on sales of investments		101,828,268			(3,554	)		73,329,042			224,389,295			47,462,511
Distributions from capital gains		—			—			—			—			—
Net change in unrealized appreciation or depreciation of investments		(55,471,345	)		(23,200	)		632,330,334			1,010,995,692			518,229,728
Net gain (loss) on investments		46,356,923			(26,754	)		705,659,376			1,235,384,987			565,692,239
Net increase (decrease) in net assets resulting from operations		$ 31,490,359			$ (31,591	)		$640,090,600			$1,128,325,399			$528,811,504
(1) For the period April 29, 2013 (commencement of operations) to Dec. 31, 2013.

See accompanying notes to financial statements.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  21

Statements of Operations

	VP Mod			VP Mod			VP Mod			VP Ptnrs			VP Pyrford
	Aggr,			Conserv,			Conserv,			Sm Cap Val,			Intl Eq,
Period ended Dec. 31, 2013 (continued)	Cl 4			Cl 2			Cl 4			Cl 3			Cl 2(1)
Investment income
Dividend income		$         —			$        —			$          —			$        —			$ 2,667
Variable account expenses		56,926,863			19,048,913			32,316,791			1,246,358			2,537
Investment income (loss) — net		(56,926,863	)		(19,048,913	)		(32,316,791	)		(1,246,358	)		130
Realized and unrealized gain (loss) on investments — net
Realized gain (loss) on sales of investments:
Proceeds from sales		1,185,560,643			572,862,323			1,002,896,863			34,306,527			50,601
Cost of investments sold		859,150,056			510,258,541			822,887,818			22,742,389			50,430
Net realized gain (loss) on sales of investments		326,410,587			62,603,782			180,009,045			11,564,138			171
Distributions from capital gains		—			—			—			—			—
Net change in unrealized appreciation or depreciation of investments		598,261,192			66,578,931			50,632,841			31,342,340			31,205
Net gain (loss) on investments		924,671,779			129,182,713			230,641,886			42,906,478			31,376
Net increase (decrease) in net assets resulting from operations		$867,744,916			$110,133,800			$  198,325,095			$41,660,120			$31,506
(1) For the period April 30, 2013 (commencement of operations) to Dec. 31, 2013.
	VP Sit			VP Vty									WF Adv
	Divd Gro,			Estb Val,									VT Index Asset
Year ended Dec. 31, 2013 (continued)	Cl 3			Cl 3			Wanger Intl			Wanger USA			Alloc, Cl 2
Investment income
Dividend income		$       —			$      —			$ 8,560,541			$    506,768			$  481,414
Variable account expenses		394,178			141,787			2,885,139			3,235,641			252,151
Investment income (loss) — net		(394,178	)		(141,787	)		5,675,402			(2,728,873	)		229,263
Realized and unrealized gain (loss) on investments — net
Realized gain (loss) on sales of investments:
Proceeds from sales		9,787,634			3,419,418			48,260,673			64,020,262			6,311,213
Cost of investments sold		7,057,194			2,600,087			38,911,822			48,233,865			5,236,162
Net realized gain (loss) on sales of investments		2,730,440			819,331			9,348,851			15,786,397			1,075,051
Distributions from capital gains		—			—			22,333,670			32,142,042			—
Net change in unrealized appreciation or depreciation of investments		8,169,469			4,043,201			26,225,119			58,853,478			3,741,002
Net gain (loss) on investments		10,899,909			4,862,532			57,907,640			106,781,917			4,816,053
Net increase (decrease) in net assets resulting from operations		$10,505,731			$4,720,745			$63,583,042			$104,053,044			$5,045,316

See accompanying notes to financial statements.

22  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

Statements of Operations

	WF Adv		WF Adv			WA Var
	VT Intl Eq,		VT Sm Cap Gro,			Global Hi Yd Bond,
Period ended Dec. 31, 2013 (continued)	Cl 2		Cl 2			Cl II(1)
Investment income
Dividend income	$	1,040,551	$	—		$	166,164
Variable account expenses		434,217		666,116			9,746
Investment income (loss) — net		606,334		(666,116	)		156,418
Realized and unrealized gain (loss) on investments — net
Realized gain (loss) on sales of investments:
Proceeds from sales		10,960,632		15,094,235			356,731
Cost of investments sold		9,715,674		11,983,447			362,204
Net realized gain (loss) on sales of investments		1,244,958		3,110,788			(5,473	)
Distributions from capital gains		2,419,735		3,741,776			—
Net change in unrealized appreciation or depreciation of investments		4,001,060		22,342,123			(99,937	)
Net gain (loss) on investments		7,665,753		29,194,687			(105,410	)
Net increase (decrease) in net assets resulting from operations	$	8,272,087	$	28,528,571		$	51,008
(1) For the period April 29, 2013 (commencement of operations) to Dec. 31, 2013.

See accompanying notes to financial statements.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  23

Statements of Changes in Net Assets

	AB VPS			AB VPS Global			AB VPS			AB VPS			ALPS Alerian
	Dyn Asset Alloc,			Thematic Gro,			Gro & Inc,			Intl Val,			Engy Infr,
Period ended Dec. 31, 2013	Cl B(2)			Cl B			Cl B			Cl B			Class III(3)
Operations
Investment income (loss) — net	$	(8,696	)	$	(76,646	)	$	307,295		$	10,597,641		$	(48,749	)
Net realized gain (loss) on sales of investments		3,198			244,836			3,038,955			(6,296,448	)		6,061
Distributions from capital gains		4,265			—			—			—			—
Net change in unrealized appreciation or depreciation of investments		138,401			1,529,175			29,572,184			38,265,538			1,176,181
Net increase (decrease) in net assets resulting from operations		137,168			1,697,365			32,918,434			42,566,731			1,133,493
Contract transactions
Contract purchase payments		522,743			155,314			1,195,645			3,353,092			1,528,007
Net transfers(1)		3,106,459			(497,873	)		(4,347,596	)		(16,129,395	)		13,363,088
Transfers for policy loans		(4,890	)		2,072			(7,923	)		89,066			(1,598	)
Adjustments to net assets allocated to contracts in payment period		—			(33,180	)		(3,752	)		(90,744	)		—
Contract charges		(1,162	)		(8,311	)		(81,222	)		(288,359	)		(2,355	)
Contract terminations:
Surrender benefits		(96,759	)		(694,720	)		(12,447,256	)		(21,955,659	)		(266,477	)
Death benefits		—			(81,590	)		(980,890	)		(1,703,527	)		(34,510	)
Increase (decrease) from contract transactions		3,526,391			(1,158,288	)		(16,672,994	)		(36,725,526	)		14,586,155
Net assets at beginning of year		—			8,574,701			105,999,693			215,932,578			—
Net assets at end of year	$	3,663,559		$	9,113,778		$	122,245,133		$	221,773,783		$	15,719,648
Accumulation unit activity
Units outstanding at beginning of year		—			7,945,047			82,727,416			165,112,309			—
Contract purchase payments		510,864			134,664			800,489			2,748,176			1,537,068
Net transfers(1)		3,022,933			(452,281	)		(2,921,203	)		(10,905,446	)		13,525,014
Transfers for policy loans		(4,638	)		1,956			(4,718	)		59,120			(1,650	)
Contract charges		(1,126	)		(7,179	)		(54,384	)		(194,228	)		(2,380	)
Contract terminations:
Surrender benefits		(92,197	)		(596,576	)		(8,249,596	)		(14,539,859	)		(263,560	)
Death benefits		—			(69,182	)		(661,085	)		(1,245,210	)		(35,161	)
Units outstanding at end of year		3,435,836			6,956,449			71,636,919			141,034,862			14,759,331

(1)	Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.
(2)	For the period April 29, 2013 (commencement of operations) to Dec. 31, 2013.
(3)	For the period April 30, 2013 (commencement of operations) to Dec. 31, 2013.

See accompanying notes to financial statements.

24  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

Statements of Changes in Net Assets

	AC VP			AC VP			AC VP			AC VP			BlackRock
	Intl,			Mid Cap Val,			Ultra,			Val,			Global Alloc,
Year ended Dec. 31, 2013 (continued)	Cl I			Cl II			Cl II			Cl I			Cl III
Operations
Investment income (loss) — net	$	129,426		$	61,869		$	(133,293	)	$	390,094		$	215,525
Net realized gain (loss) on sales of investments		286,265			2,296,604			1,580,412			1,069,994			128,962
Distributions from capital gains		—			676,647			—			—			1,787,353
Net change in unrealized appreciation or depreciation of investments		2,379,332			8,866,133			7,029,182			11,472,912			1,306,220
Net increase (decrease) in net assets resulting from operations		2,795,023			11,901,253			8,476,301			12,933,000			3,438,060
Contract transactions
Contract purchase payments		157,241			624,489			376,086			412,114			7,191,735
Net transfers(1)		(528,378	)		2,856,257			(1,777,389	)		(318,942	)		27,403,406
Transfers for policy loans		5,844			(4,580	)		(1,357	)		36,263			(27,752	)
Adjustments to net assets allocated to contracts in payment period		4,414			(9,991	)		(1,804	)		(60,051	)		468,512
Contract charges		(5,680	)		(49,517	)		(24,090	)		(15,861	)		(17,020	)
Contract terminations:
Surrender benefits		(1,767,067	)		(4,061,244	)		(2,588,383	)		(5,945,578	)		(1,979,663	)
Death benefits		(176,989	)		(387,363	)		(275,444	)		(583,976	)		(145,887	)
Increase (decrease) from contract transactions		(2,310,615	)		(1,031,949	)		(4,292,381	)		(6,476,031	)		32,893,331
Net assets at beginning of year		14,312,511			41,208,208			26,222,211			44,738,585			11,367,882
Net assets at end of year	$	14,796,919		$	52,077,512		$	30,406,131		$	51,195,554		$	47,699,273
Accumulation unit activity
Units outstanding at beginning of year		11,074,242			32,199,817			21,816,688			22,999,121			11,013,193
Contract purchase payments		111,076			407,412			268,329			181,939			6,542,925
Net transfers(1)		(377,200	)		2,195,579			(1,361,672	)		(149,269	)		24,838,590
Transfers for policy loans		3,774			(2,448	)		(1,808	)		16,116			(24,883	)
Contract charges		(4,050	)		(33,551	)		(17,607	)		(7,078	)		(15,370	)
Contract terminations:
Surrender benefits		(1,254,344	)		(2,832,678	)		(1,889,000	)		(2,642,407	)		(1,780,051	)
Death benefits		(128,471	)		(272,627	)		(195,618	)		(256,709	)		(130,167	)
Units outstanding at end of year		9,425,027			31,661,504			18,619,312			20,141,713			40,444,237

⁽¹⁾ Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.

See accompanying notes to financial statements.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  25

Statements of Changes in Net Assets

				Col			Col VP			Col VP			Col VP
	Calvert VP			VP Bal,			Cash Mgmt,			Commodity			Contrarian
Period ended Dec. 31, 2013 (continued)	SRI Bal			Cl 3			Cl 3			Strategy, Cl 2(2)			Core, Cl 2(3)
Operations
Investment income (loss) — net	$	52,006		$	(2,333,038	)	$	(2,463,730	)	$	(2,208	)	$	(24,539	)
Net realized gain (loss) on sales of investments		526,638			6,734,337			24,638			(1,459	)		6,122
Distributions from capital gains		2,232,106			—			—			—			—
Net change in unrealized appreciation or depreciation of investments		1,122,432			38,097,340			(24,636	)		(9,715	)		751,767
Net increase (decrease) in net assets resulting from operations		3,933,182			42,498,639			(2,463,728	)		(13,382	)		733,350
Contract transactions
Contract purchase payments		579,807			6,515,204			15,413,432			119,880			1,112,616
Net transfers(1)		570,917			26,741,372			11,416,741			515,462			7,580,709
Transfers for policy loans		63,826			29,697			257,912			97			73
Adjustments to net assets allocated to contracts in payment period		(6,342	)		(521,028	)		(1,150,488	)		—			—
Contract charges		(21,326	)		(160,102	)		(228,726	)		(59	)		(1,096	)
Contract terminations:
Surrender benefits		(2,689,243	)		(24,638,457	)		(67,670,429	)		(17,495	)		(165,311	)
Death benefits		(100,166	)		(4,407,958	)		(3,850,705	)		(2,393	)		(5,617	)
Increase (decrease) from contract transactions		(1,602,527	)		3,558,728			(45,812,263	)		615,492			8,521,374
Net assets at beginning of year		24,109,219			211,945,417			295,326,830			—			—
Net assets at end of year	$	26,439,874		$	258,002,784		$	247,050,839		$	602,110		$	9,254,724
Accumulation unit activity
Units outstanding at beginning of year		19,606,477			139,006,792			257,767,463			—			—
Contract purchase payments		427,948			4,385,638			14,073,229			126,374			989,883
Net transfers(1)		407,741			17,422,325			9,404,542			544,106			6,795,680
Transfers for policy loans		43,432			(10,362	)		213,053			104			61
Contract charges		(16,092	)		(95,930	)		(200,269	)		(63	)		(962	)
Contract terminations:
Surrender benefits		(2,033,859	)		(14,904,832	)		(59,182,414	)		(18,215	)		(145,303	)
Death benefits		(77,416	)		(2,644,789	)		(3,453,115	)		(2,573	)		(4,995	)
Units outstanding at end of year		18,358,231			143,158,842			218,622,489			649,733			7,634,364

(1)	Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.
(2)	For the period April 30, 2013 (commencement of operations) to Dec. 31, 2013.
(3)	For the period April 29, 2013 (commencement of operations) to Dec. 31, 2013.

See accompanying notes to financial statements.

26  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

Statements of Changes in Net Assets

	Col VP			Col VP			Col VP			Col VP Emerg			Col VP
	Core Bond,			Div Bond,			Divd Opp,			Mkts Bond,			Emer Mkts,
Period ended Dec. 31, 2013 (continued)	Cl 2(2)			Cl 3			Cl 3			Cl 2(3)			Cl 3
Operations
Investment income (loss) — net	$	(5,290	)	$	29,355,375		$	(6,958,770	)	$	82,817		$	(898,709	)
Net realized gain (loss) on sales of investments		(1,826	)		1,013,786			27,843,573			(24,997	)		7,613,240
Distributions from capital gains		—			36,977,380			—			7,349			—
Net change in unrealized appreciation or depreciation of investments		(7,738	)		(95,984,220	)		151,065,108			(166,807	)		(14,182,807	)
Net increase (decrease) in net assets resulting from operations		(14,854	)		(28,637,679	)		171,949,911			(101,638	)		(7,468,276	)
Contract transactions
Contract purchase payments		221,657			7,582,202			9,163,509			611,729			3,897,545
Net transfers(1)		1,317,792			(201,141,902	)		(11,485,833	)		2,986,600			(11,486,665	)
Transfers for policy loans		—			70,182			315,076			—			100,809
Adjustments to net assets allocated to contracts in payment period		—			(955,624	)		(417,696	)		—			(16,886	)
Contract charges		(151	)		(921,286	)		(639,358	)		(557	)		(281,970	)
Contract terminations:
Surrender benefits		(108,675	)		(104,147,743	)		(80,237,747	)		(43,772	)		(24,755,311	)
Death benefits		—			(12,217,105	)		(7,017,856	)		—			(1,632,489	)
Increase (decrease) from contract transactions		1,430,623			(311,731,276	)		(90,319,905	)		3,554,000			(34,174,967	)
Net assets at beginning of year		—			1,003,599,606			708,211,128			—			272,136,539
Net assets at end of year	$	1,415,769		$	663,230,651		$	789,841,134		$	3,452,362		$	230,493,296
Accumulation unit activity
Units outstanding at beginning of year		—			596,330,334			436,246,430			—			124,470,363
Contract purchase payments		231,453			4,784,627			5,322,766			663,661			1,951,473
Net transfers(1)		1,367,546			(125,287,909	)		(5,728,676	)		3,203,962			(5,475,337	)
Transfers for policy loans		—			39,841			170,420			—			52,133
Contract charges		(158	)		(566,665	)		(363,992	)		(618	)		(130,239	)
Contract terminations:
Surrender benefits		(113,128	)		(61,604,196	)		(41,834,039	)		(47,056	)		(11,266,023	)
Death benefits		—			(7,490,871	)		(3,785,520	)		—			(788,833	)
Units outstanding at end of year		1,485,713			406,205,161			390,027,389			3,819,949			108,813,537

(1)	Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.
(2)	For the period April 30, 2013 (commencement of operations) to Dec. 31, 2013.
(3)	For the period April 29, 2013 (commencement of operations) to Dec. 31, 2013.

See accompanying notes to financial statements.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  27

Statements of Changes in Net Assets

	Col VP			Col VP			Col VP			Col VP			Col VP
	Global Bond,			Hi Yield Bond,			Inc Opp,			Intl Opp,			Lg Cap Gro,
Year ended Dec. 31, 2013 (continued)	Cl 3			Cl 3			Cl 3			Cl 3			Cl 3
Operations
Investment income (loss) — net	$	13,772,263		$	24,623,112		$	25,039,513		$	627,498		$	(1,127,277	)
Net realized gain (loss) on sales of investments		(297,531	)		7,088,006			(3,605,666	)		3,107,944			3,708,864
Distributions from capital gains		1,883,835			—			19,784,265			—			—
Net change in unrealized appreciation or depreciation of investments		(40,779,168	)		(9,897,196	)		(33,277,189	)		15,527,523			31,204,096
Net increase (decrease) in net assets resulting from operations		(25,420,601	)		21,813,922			7,940,923			19,262,965			33,785,683
Contract transactions
Contract purchase payments		2,410,174			3,449,471			2,010,672			1,389,720			1,818,791
Net transfers(1)		(44,607,367	)		(9,945,185	)		(25,906,819	)		(2,169,260	)		(3,125,309	)
Transfers for policy loans		17,820			48,067			(3,208	)		90,435			85,597
Adjustments to net assets allocated to contracts in payment period		(206,574	)		(990,739	)		(261,190	)		(124,774	)		(188,044	)
Contract charges		(295,761	)		(259,872	)		(256,411	)		(77,485	)		(132,766	)
Contract terminations:
Surrender benefits		(30,282,105	)		(50,872,565	)		(22,273,251	)		(11,167,184	)		(13,001,637	)
Death benefits		(3,431,974	)		(5,493,920	)		(2,772,146	)		(935,587	)		(1,264,009	)
Increase (decrease) from contract transactions		(76,395,787	)		(64,064,743	)		(49,462,353	)		(12,994,135	)		(15,807,377	)
Net assets at beginning of year		325,966,118			458,083,223			223,153,336			99,395,608			122,727,094
Net assets at end of year	$	224,149,730		$	415,832,402		$	181,631,906		$	105,664,438		$	140,705,400
Accumulation unit activity
Units outstanding at beginning of year		180,926,539			221,316,405			128,289,014			81,718,464			156,364,035
Contract purchase payments		1,450,675			1,706,972			1,150,947			1,054,560			1,967,094
Net transfers(1)		(27,159,319	)		(4,943,926	)		(14,749,045	)		(1,756,128	)		(3,892,045	)
Transfers for policy loans		9,921			24,398			(1,299	)		66,453			102,868
Contract charges		(175,500	)		(123,402	)		(145,812	)		(59,084	)		(147,868	)
Contract terminations:
Surrender benefits		(17,085,568	)		(23,603,297	)		(12,474,736	)		(8,533,835	)		(14,624,565	)
Death benefits		(2,054,818	)		(2,649,347	)		(1,571,714	)		(720,862	)		(1,433,275	)
Units outstanding at end of year		135,911,930			191,727,803			100,497,355			71,769,568			138,336,244

⁽¹⁾ Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.

See accompanying notes to financial statements.

28  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

Statements of Changes in Net Assets

	Col VP			Col VP			Col VP			Col VP			Col VP
	Lg Core Quan,			Marsico Gro,			Marsico Intl			Mid Cap Gro			Mid Cap Val
Year ended Dec. 31, 2013 (continued)	Cl 3			Cl 1			Opp, Cl 2			Opp, Cl 3			Opp, Cl 3
Operations
Investment income (loss) — net	$	(3,920,034	)	$	(1,167,244	)	$	(226,295	)	$	(901,220	)	$	(803,163	)
Net realized gain (loss) on sales of investments		11,604,193			12,548,780			(1,300,785	)		4,499,017			2,602,953
Distributions from capital gains		—			—			—			—			—
Net change in unrealized appreciation or depreciation of investments		104,594,461			40,862,066			9,642,440			20,306,023			25,759,693
Net increase (decrease) in net assets resulting from operations		112,278,620			52,243,602			8,115,360			23,903,820			27,559,483
Contract transactions
Contract purchase payments		5,170,914			2,331,013			1,507,592			1,244,502			1,240,081
Net transfers(1)		(21,200,530	)		(17,313,568	)		(3,115,578	)		(3,224,148	)		764,836
Transfers for policy loans		470,387			55,039			7,887			78,781			21,071
Adjustments to net assets allocated to contracts in payment period		(644,457	)		(218,931	)		(22,309	)		(88,346	)		63,374
Contract charges		(750,860	)		(210,568	)		(32,366	)		(81,542	)		(68,867	)
Contract terminations:
Surrender benefits		(40,250,922	)		(17,115,766	)		(3,896,897	)		(10,122,195	)		(7,911,056	)
Death benefits		(4,178,528	)		(1,404,834	)		(273,867	)		(735,896	)		(708,606	)
Increase (decrease) from contract transactions		(61,383,996	)		(33,877,615	)		(5,825,538	)		(12,928,844	)		(6,599,167	)
Net assets at beginning of year		373,714,738			167,362,260			45,342,063			86,754,989			79,038,805
Net assets at end of year	$	424,609,362		$	185,728,247		$	47,631,885		$	97,729,965		$	99,999,121
Accumulation unit activity
Units outstanding at beginning of year		342,552,788			140,799,124			44,804,339			67,301,550			58,788,112
Contract purchase payments		4,062,293			1,686,763			1,328,446			880,872			816,798
Net transfers(1)		(18,181,958	)		(12,669,101	)		(2,861,218	)		(2,145,355	)		368,827
Transfers for policy loans		336,668			40,697			7,321			60,039			14,195
Contract charges		(628,516	)		(151,655	)		(29,703	)		(56,425	)		(43,473	)
Contract terminations:
Surrender benefits		(32,255,585	)		(12,481,751	)		(3,617,664	)		(6,863,298	)		(4,843,460	)
Death benefits		(3,339,976	)		(1,036,580	)		(250,112	)		(533,767	)		(450,265	)
Units outstanding at end of year		292,545,714			116,187,497			39,381,409			58,643,616			54,650,734

⁽¹⁾ Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.

See accompanying notes to financial statements.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  29

Statements of Changes in Net Assets

	Col VP			Col VP			Col VP			Col VP			Col VP
	Multi-Strategy			S&P 500,			Select Lg Cap			Select Sm Cap			US Govt Mtge,
Period ended Dec. 31, 2013 (continued)	Alt, Cl 2(2)			Cl 3			Val, Cl 3			Val, Cl 3			Cl 3
Operations
Investment income (loss) — net	$	(16,816	)	$	(1,373,676	)	$	(314,031	)	$	(496,640	)	$	(512,510	)
Net realized gain (loss) on sales of investments		(10,869	)		7,422,971			1,141,322			2,153,626			154,955
Distributions from capital gains		—			—			—			—			—
Net change in unrealized appreciation or depreciation of investments		(45,988	)		34,911,100			9,881,678			20,129,945			(5,357,564	)
Net increase (decrease) in net assets resulting from operations		(73,673	)		40,960,395			10,708,969			21,786,931			(5,715,119	)
Contract transactions
Contract purchase payments		265,055			6,483,212			537,380			670,846			2,495,797
Net transfers(1)		4,080,041			9,960,978			14,149,746			2,412,101			(49,572,067	)
Transfers for policy loans		19			49,119			3,255			(21,833	)		112,555
Adjustments to net assets allocated to contracts in payment period		—			(17,891	)		20,488			(84,823	)		(90,724	)
Contract charges		(1,292	)		(105,475	)		(22,973	)		(43,108	)		(124,602	)
Contract terminations:
Surrender benefits		(76,098	)		(15,050,025	)		(3,374,169	)		(6,363,503	)		(26,054,240	)
Death benefits		—			(1,489,400	)		(280,982	)		(313,785	)		(3,009,198	)
Increase (decrease) from contract transactions		4,267,725			(169,482	)		11,032,745			(3,744,105	)		(76,242,479	)
Net assets at beginning of year		—			133,932,976			25,274,904			48,545,775			230,695,964
Net assets at end of year	$	4,194,052		$	174,723,889		$	47,016,618		$	66,588,601		$	148,738,366
Accumulation unit activity
Units outstanding at beginning of year		—			121,375,393			19,210,218			27,552,991			179,536,936
Contract purchase payments		273,237			4,847,873			349,459			330,863			2,045,158
Net transfers(1)		4,232,591			7,251,849			8,966,332			1,279,554			(40,362,747	)
Transfers for policy loans		20			41,329			2,283			(9,680	)		86,973
Contract charges		(1,363	)		(83,091	)		(14,645	)		(20,145	)		(97,703	)
Contract terminations:
Surrender benefits		(79,781	)		(11,934,539	)		(2,096,671	)		(2,820,347	)		(20,158,423	)
Death benefits		—			(1,211,647	)		(180,024	)		(149,821	)		(2,411,646	)
Units outstanding at end of year		4,424,704			120,287,167			26,236,952			26,163,415			118,638,548

(1)	Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.
(2)	For the period April 29, 2013 (commencement of operations) to Dec. 31, 2013.

See accompanying notes to financial statements.

30  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

Statements of Changes in Net Assets

	CS			DWS Alt			EV VT			Fid VIP			Fid VIP
	Commodity			Asset Alloc			Floating-			Contrafund,			Gro & Inc,
Year ended Dec. 31, 2013 (continued)	Return			VIP, Cl B			Rate Inc			Serv Cl 2			Serv Cl
Operations
Investment income (loss) — net	$	(556,902	)	$	100,073		$	7,422,941		$	(419,785	)	$	491,688
Net realized gain (loss) on sales of investments		(6,970,479	)		(11,564	)		372,976			8,238,437			2,007,397
Distributions from capital gains		—			—			1,776,599			135,118			—
Net change in unrealized appreciation or depreciation of investments		(2,323	)		(108,116	)		(1,496,327	)		114,220,805			13,583,824
Net increase (decrease) in net assets resulting from operations		(7,529,704	)		(19,607	)		8,076,189			122,174,575			16,082,909
Contract transactions
Contract purchase payments		1,165,626			2,230,135			3,757,475			14,528,716			486,228
Net transfers(1)		(7,046,483	)		15,476,869			106,142,942			(10,229,297	)		(1,956,760	)
Transfers for policy loans		16,364			(5,316	)		12,831			28,734			60,213
Adjustments to net assets allocated to contracts in payment period		(39,000	)		137,245			163,019			(8,344	)		(89,630	)
Contract charges		(38,977	)		(9,220	)		(228,133	)		(298,495	)		(24,378	)
Contract terminations:
Surrender benefits		(6,240,575	)		(1,028,123	)		(28,680,762	)		(43,098,986	)		(7,840,616	)
Death benefits		(337,841	)		(86,134	)		(2,443,994	)		(3,398,589	)		(663,660	)
Increase (decrease) from contract transactions		(12,520,886	)		16,715,456			78,723,378			(42,476,261	)		(10,028,603	)
Net assets at beginning of year		72,693,382			8,148,073			247,086,149			429,506,378			53,538,005
Net assets at end of year	$	52,642,792		$	24,843,922		$	333,885,716		$	509,204,692		$	59,592,311
Accumulation unit activity
Units outstanding at beginning of year		84,047,507			8,137,607			197,523,109			357,487,912			42,855,704
Contract purchase payments		1,423,676			2,228,896			2,955,796			10,577,188			333,476
Net transfers(1)		(8,829,231	)		15,513,939			83,428,025			(7,372,089	)		(1,313,779	)
Transfers for policy loans		19,334			(5,364	)		10,080			22,894			43,527
Contract charges		(48,168	)		(9,264	)		(179,333	)		(218,118	)		(16,743	)
Contract terminations:
Surrender benefits		(7,758,008	)		(1,034,154	)		(22,480,730	)		(31,707,427	)		(5,366,126	)
Death benefits		(422,179	)		(85,746	)		(1,931,367	)		(2,487,133	)		(464,820	)
Units outstanding at end of year		68,432,931			24,745,914			259,325,580			326,303,227			36,071,239

⁽¹⁾ Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.

See accompanying notes to financial statements.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  31

Statements of Changes in Net Assets

	Fid VIP			Fid VIP			Fid VIP			FTVIPT Frank			FTVIPT
	Mid Cap,			Overseas,			Strategic Inc,			Global Real			Frank Inc,
Period ended Dec. 31, 2013 (continued)	Serv Cl			Serv Cl			Serv Cl 2(2)			Est, Cl 2			Cl 2(2)
Operations
Investment income (loss) — net	$	(515,072	)	$	74,936		$	434,966		$	5,848,506		$	21,709
Net realized gain (loss) on sales of investments		6,667,520			(57,592	)		(6,350	)		(6,079,853	)		1,636
Distributions from capital gains		14,595,928			70,813			99,044			—			—
Net change in unrealized appreciation or depreciation of investments		14,010,207			4,920,441			(474,877	)		2,615,119			598,147
Net increase (decrease) in net assets resulting from operations		34,758,583			5,008,598			52,783			2,383,772			621,492
Contract transactions
Contract purchase payments		1,043,457			223,343			1,089,289			2,299,086			1,390,879
Net transfers(1)		(5,995,315	)		(621,951	)		12,002,327			4,030,676			16,025,245
Transfers for policy loans		84,485			9,104			(393	)		37,953			(1,575	)
Adjustments to net assets allocated to contracts in payment period		(67,449	)		(118,810	)		—			(7,818	)		—
Contract charges		(46,027	)		(7,741	)		(3,679	)		(119,490	)		(2,407	)
Contract terminations:
Surrender benefits		(13,654,428	)		(2,843,333	)		(291,249	)		(16,237,755	)		(297,080	)
Death benefits		(1,131,323	)		(153,605	)		(967	)		(1,333,678	)		(10,178	)
Increase (decrease) from contract transactions		(19,766,600	)		(3,512,993	)		12,795,328			(11,331,026	)		17,104,884
Net assets at beginning of year		109,281,306			19,241,299			—			157,516,454			—
Net assets at end of year	$	124,273,289		$	20,736,904		$	12,848,111		$	148,569,200		$	17,726,376
Accumulation unit activity
Units outstanding at beginning of year		28,179,159			15,945,122			—			82,663,555			—
Contract purchase payments		233,407			167,490			1,110,971			1,338,605			1,349,961
Net transfers(1)		(1,362,075	)		(501,943	)		12,254,794			3,236,751			15,512,555
Transfers for policy loans		19,468			7,447			(401	)		14,307			(1,481	)
Contract charges		(10,348	)		(5,826	)		(3,771	)		(59,791	)		(2,329	)
Contract terminations:
Surrender benefits		(3,080,461	)		(2,149,874	)		(296,471	)		(7,683,473	)		(286,307	)
Death benefits		(257,605	)		(112,820	)		(1,002	)		(644,932	)		(9,731	)
Units outstanding at end of year		23,721,545			13,349,596			13,064,120			78,865,022			16,562,668

(1)	Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.
(2)	For the period April 29, 2013 (commencement of operations) to Dec. 31, 2013.

See accompanying notes to financial statements.

32  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

Statements of Changes in Net Assets

	FTVIPT Frank			FTVIPT			GS VIT			GS VIT			GS VIT
	Sm Cap			Temp Global			Mid Cap			Sm Cap Eq			U.S. Eq
Period ended Dec. 31, 2013 (continued)	Val, Cl 2			Bond, Cl 2(2)			Val, Inst			Insights, Inst			Insights, Inst
Operations
Investment income (loss) — net	$	659,491		$	104,226		$	(105,223	)	$	11,433		$	345,093
Net realized gain (loss) on sales of investments		8,444,840			(10,350	)		9,903,183			286,414			4,957,341
Distributions from capital gains		2,687,888			42,290			19,511,061			957,554			—
Net change in unrealized appreciation or depreciation of investments		36,435,313			76,408			39,019,559			1,002,699			40,301,644
Net increase (decrease) in net assets resulting from operations		48,227,532			212,574			68,328,580			2,258,100			45,604,078
Contract transactions
Contract purchase payments		3,756,159			1,748,173			2,262,938			74,236			1,383,903
Net transfers(1)		(3,494,552	)		17,007,037			(13,740,547	)		(127,349	)		(8,970,349	)
Transfers for policy loans		(16,840	)		(7,798	)		31,195			4,892			(4,924	)
Adjustments to net assets allocated to contracts in payment period		(44,275	)		—			87,129			(8,249	)		(26,322	)
Contract charges		(98,666	)		(2,497	)		(261,140	)		(3,632	)		(326,922	)
Contract terminations:
Surrender benefits		(16,535,852	)		(354,157	)		(30,570,540	)		(708,629	)		(14,427,904	)
Death benefits		(1,195,761	)		(3,487	)		(1,821,410	)		(83,629	)		(1,000,164	)
Increase (decrease) from contract transactions		(17,629,787	)		18,387,271			(44,012,375	)		(852,360	)		(23,372,682	)
Net assets at beginning of year		146,397,984			—			233,128,258			7,007,542			134,878,428
Net assets at end of year	$	176,995,729		$	18,599,845		$	257,444,463		$	8,413,282		$	157,109,824
Accumulation unit activity
Units outstanding at beginning of year		64,149,427			—			79,577,121			3,610,927			120,009,391
Contract purchase payments		1,731,673			1,802,024			697,917			33,074			1,044,319
Net transfers(1)		(656,683	)		17,564,434			(4,052,033	)		(63,012	)		(6,571,763	)
Transfers for policy loans		(5,527	)		(8,261	)		8,512			1,980			(3,799	)
Contract charges		(37,251	)		(2,585	)		(76,596	)		(1,610	)		(244,355	)
Contract terminations:
Surrender benefits		(5,788,015	)		(365,326	)		(9,044,308	)		(321,189	)		(10,851,745	)
Death benefits		(415,582	)		(3,624	)		(529,388	)		(36,963	)		(764,296	)
Units outstanding at end of year		58,978,042			18,986,662			66,581,225			3,223,207			102,617,752

(1)	Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.
(2)	For the period April 29, 2013 (commencement of operations) to Dec. 31, 2013.

See accompanying notes to financial statements.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  33

Statements of Changes in Net Assets

	Invesco VI			Invesco VI			Invesco VI			Invesco VI			Invesco VI
	Am Fran,			Bal Risk Alloc,			Comstock,			Global Hlth,			Intl Gro,
Period ended Dec. 31, 2013 (continued)	Ser I			Ser II(2)			Ser II			Ser II			Ser II
Operations
Investment income (loss) — net	$	(57,954	)	$	138,919		$	1,213,604		$	(121,475	)	$	138,656
Net realized gain (loss) on sales of investments		308,268			(13,580	)		9,595,783			1,169,591			2,593,161
Distributions from capital gains		—			419,424			—			—			—
Net change in unrealized appreciation or depreciation of investments		4,502,826			(384,289	)		55,789,182			10,402,153			13,080,964
Net increase (decrease) in net assets resulting from operations		4,753,140			160,474			66,598,569			11,450,269			15,812,781
Contract transactions
Contract purchase payments		250,927			3,281,132			2,231,986			652,755			1,298,996
Net transfers(1)		(688,700	)		18,844,116			(19,644,216	)		8,459,910			(1,899,312	)
Transfers for policy loans		10,015			(2,524	)		15,124			(7,639	)		41,449
Adjustments to net assets allocated to contracts in payment period		(7,002	)		—			(21,097	)		75,336			(11,535	)
Contract charges		(8,910	)		(3,485	)		(548,865	)		(25,814	)		(103,352	)
Contract terminations:
Surrender benefits		(1,901,719	)		(464,560	)		(18,853,913	)		(3,194,738	)		(8,583,578	)
Death benefits		(122,153	)		(51,782	)		(1,864,601	)		(294,849	)		(529,384	)
Increase (decrease) from contract transactions		(2,467,542	)		21,602,897			(38,685,582	)		5,664,961			(9,786,716	)
Net assets at beginning of year		13,577,634			—			208,333,851			27,189,712			94,833,170
Net assets at end of year	$	15,863,232		$	21,763,371		$	236,246,838		$	44,304,942		$	100,859,235
Accumulation unit activity
Units outstanding at beginning of year		13,956,783			—			152,619,927			20,623,867			67,387,615
Contract purchase payments		224,947			3,374,246			1,429,376			402,928			880,189
Net transfers(1)		(632,735	)		19,313,176			(11,805,226	)		5,347,044			(1,244,293	)
Transfers for policy loans		9,728			(2,615	)		8,804			(4,696	)		27,270
Contract charges		(8,049	)		(3,571	)		(334,636	)		(16,243	)		(70,256	)
Contract terminations:
Surrender benefits		(1,710,773	)		(472,917	)		(11,687,448	)		(2,034,771	)		(5,632,267	)
Death benefits		(108,746	)		(53,356	)		(1,188,237	)		(183,365	)		(349,446	)
Units outstanding at end of year		11,731,155			22,154,963			129,042,560			24,134,764			60,998,812

(1)	Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.
(2)	For the period April 29, 2013 (commencement of operations) to Dec. 31, 2013.

See accompanying notes to financial statements.

34  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

Statements of Changes in Net Assets

	Invesco						Janus Aspen			Janus Aspen			Janus Aspen
	VI Mid Cap			Ivy VIP			Enterprise,			Flex Bond,			Gbl Alloc Mod,
Period ended Dec. 31, 2013 (continued)	Gro, Ser I			Asset Strategy(2)			Serv			Serv(2)			Serv
Operations
Investment income (loss) — net	$	(71,317	)	$	(56,030	)	$	(67,050	)	$	89,089		$	75,440
Net realized gain (loss) on sales of investments		392,435			20,523			671,646			(7,497	)		50,882
Distributions from capital gains		—			—			—			—			104,154
Net change in unrealized appreciation or depreciation of investments		4,672,641			2,145,422			3,351,067			(63,578	)		359,780
Net increase (decrease) in net assets resulting from operations		4,993,759			2,109,915			3,955,663			18,014			590,256
Contract transactions
Contract purchase payments		188,710			3,975,372			187,486			477,387			1,240,473
Net transfers(1)		(509,584	)		22,020,998			(343,450	)		6,682,234			7,496,287
Transfers for policy loans		(426	)		(12,480	)		2,053			66			—
Adjustments to net assets allocated to contracts in payment period		(6,208	)		110,900			—			19,720			206,203
Contract charges		(9,503	)		(3,761	)		(9,558	)		(1,550	)		(3,417	)
Contract terminations:
Surrender benefits		(2,017,397	)		(424,822	)		(1,697,516	)		(198,338	)		(593,970	)
Death benefits		(178,005	)		(9,743	)		(65,722	)		—			(7,631	)
Increase (decrease) from contract transactions		(2,532,413	)		25,656,464			(1,926,707	)		6,979,519			8,337,945
Net assets at beginning of year		15,113,698			—			13,636,150			—			457,286
Net assets at end of year	$	17,575,044		$	27,766,379		$	15,665,106		$	6,997,533		$	9,385,487
Accumulation unit activity
Units outstanding at beginning of year		15,400,745			—			16,750,402			—			439,121
Contract purchase payments		165,208			3,528,243			198,788			482,396			1,128,010
Net transfers(1)		(466,040	)		19,866,366			(369,448	)		6,814,067			6,727,920
Transfers for policy loans		245			(11,094	)		1,117			68			—
Contract charges		(8,273	)		(3,321	)		(10,133	)		(1,579	)		(3,027	)
Contract terminations:
Surrender benefits		(1,757,242	)		(369,349	)		(1,806,723	)		(200,978	)		(519,871	)
Death benefits		(158,555	)		(8,491	)		(70,942	)		—			(6,677	)
Units outstanding at end of year		13,176,088			23,002,354			14,693,061			7,093,974			7,765,476

(1)	Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.
(2)	For the period April 29, 2013 (commencement of operations) to Dec. 31, 2013.

See accompanying notes to financial statements.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  35

Statements of Changes in Net Assets

	Janus Aspen			Janus Aspen			Janus Aspen			Lazard Ret			MFS
	Global			Janus,			Overseas,			Global Dyn MA,			Inv Gro Stock,
Period ended Dec. 31, 2013 (continued)	Tech, Serv			Serv			Serv			Serv(2)			Serv Cl
Operations
Investment income (loss) — net	$	(149,080	)	$	(145,413	)	$	1,313,151		$	2,929		$	(356,974	)
Net realized gain (loss) on sales of investments		878,694			3,662,016			1,051,454			18,691			3,498,920
Distributions from capital gains		—			—			—			126,201			2,431,708
Net change in unrealized appreciation or depreciation of investments		4,567,217			11,051,841			5,017,085			182,768			14,079,074
Net increase (decrease) in net assets resulting from operations		5,296,831			14,568,444			7,381,690			330,589			19,652,728
Contract transactions
Contract purchase payments		208,228			1,161,407			653,918			1,033,886			978,449
Net transfers(1)		(416,480	)		(7,470,327	)		(9,351,461	)		4,509,024			(1,144,949	)
Transfers for policy loans		3,347			7,508			7,791			—			(11,305	)
Adjustments to net assets allocated to contracts in payment period		(5,248	)		4,401			(46,537	)		—			27,268
Contract charges		(10,333	)		(121,356	)		(32,818	)		(928	)		(51,765	)
Contract terminations:
Surrender benefits		(2,083,603	)		(4,944,376	)		(8,220,295	)		(47,358	)		(7,927,856	)
Death benefits		(69,356	)		(508,293	)		(341,742	)		(5,264	)		(605,978	)
Increase (decrease) from contract transactions		(2,373,445	)		(11,871,036	)		(17,331,144	)		5,489,360			(8,736,136	)
Net assets at beginning of year		16,994,542			56,511,650			68,216,101			—			72,076,929
Net assets at end of year	$	19,917,928		$	59,209,058		$	58,266,647		$	5,819,949		$	82,993,521
Accumulation unit activity
Units outstanding at beginning of year		28,136,257			53,421,826			50,321,741			—			78,214,249
Contract purchase payments		310,952			959,443			452,468			977,151			874,937
Net transfers(1)		(779,850	)		(6,251,665	)		(6,714,542	)		4,258,192			(1,589,150	)
Transfers for policy loans		5,530			6,475			5,349			—			(11,833	)
Contract charges		(14,687	)		(102,624	)		(23,203	)		(876	)		(48,764	)
Contract terminations:
Surrender benefits		(3,060,760	)		(4,168,769	)		(5,903,517	)		(42,971	)		(7,749,932	)
Death benefits		(104,910	)		(434,808	)		(243,470	)		(4,814	)		(602,660	)
Units outstanding at end of year		24,492,532			43,429,878			37,894,826			5,186,682			69,086,847

(1)	Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.
(2)	For the period April 29, 2013 (commencement of operations) to Dec. 31, 2013.

See accompanying notes to financial statements.

36  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

Statements of Changes in Net Assets

	MFS			MFS			MS UIF			MS UIF			NB AMT
	New Dis,			Utilities,			Global Real			Mid Cap Gro,			Intl Eq,
Year ended Dec. 31, 2013 (continued)	Serv Cl			Serv Cl			Est, Cl II			Cl II			Cl S
Operations
Investment income (loss) — net	$	(511,393	)	$	3,027,149		$	1,832,521		$	(307,371	)	$	91,081
Net realized gain (loss) on sales of investments		2,138,357			7,441,504			1,146,401			999,785			164,615
Distributions from capital gains		506,974			4,728,311			—			998,098			—
Net change in unrealized appreciation or depreciation of investments		17,685,063			28,572,954			(1,817,232	)		12,205,683			2,640,482
Net increase (decrease) in net assets resulting from operations		19,819,001			43,769,918			1,161,690			13,896,195			2,896,178
Contract transactions
Contract purchase payments		620,306			7,673,165			982,277			1,776,326			235,978
Net transfers(1)		(1,014,581	)		(7,047,826	)		3,107,279			(5,307,921	)		879,269
Transfers for policy loans		18,454			(12,792	)		15,715			(5,221	)		710
Adjustments to net assets allocated to contracts in payment period		(12,831	)		(129,105	)		92,153			(9,207	)		(4,931	)
Contract charges		(41,749	)		(159,281	)		(54,449	)		(29,453	)		(34,624	)
Contract terminations:
Surrender benefits		(7,410,515	)		(23,535,971	)		(6,666,909	)		(4,271,476	)		(1,709,891	)
Death benefits		(387,897	)		(2,568,767	)		(504,188	)		(416,975	)		(125,804	)
Increase (decrease) from contract transactions		(8,228,813	)		(25,780,577	)		(3,028,122	)		(8,263,927	)		(759,293	)
Net assets at beginning of year		52,917,514			239,436,746			65,057,029			43,946,049			17,984,153
Net assets at end of year	$	64,507,702		$	257,426,087		$	63,190,597		$	49,578,317		$	20,121,038
Accumulation unit activity
Units outstanding at beginning of year		37,451,503			108,853,040			53,624,514			33,274,254			18,400,666
Contract purchase payments		363,413			3,727,405			782,447			1,144,380			222,050
Net transfers(1)		(534,708	)		(2,847,838	)		2,491,843			(3,770,873	)		829,122
Transfers for policy loans		11,318			(589	)		11,867			(3,165	)		838
Contract charges		(24,759	)		(65,585	)		(43,222	)		(19,151	)		(32,835	)
Contract terminations:
Surrender benefits		(4,434,512	)		(9,043,226	)		(5,347,466	)		(2,810,040	)		(1,661,098	)
Death benefits		(230,029	)		(1,063,795	)		(405,050	)		(278,797	)		(120,147	)
Units outstanding at end of year		32,602,226			99,559,412			51,114,933			27,536,608			17,638,596

⁽¹⁾ Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.

See accompanying notes to financial statements.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  37

Statements of Changes in Net Assets

													PIMCO
	Oppen			Oppen Global			Oppen			PIMCO			VIT Glb
	Global VA,			Strategic Inc			Main St Sm Cap			VIT All Asset,			MA Man Alloc,
Year ended Dec. 31, 2013 (continued)	Serv			VA, Srv			VA, Serv			Advisor Cl			Adv Cl
Operations
Investment income (loss) — net	$	259,735		$	29,000,927		$	(168,914	)	$	8,925,548		$	108,175
Net realized gain (loss) on sales of investments		2,171,961			8,952,086			3,069,168			638,598			(101,545	)
Distributions from capital gains		—			—			902,579			—			—
Net change in unrealized appreciation or depreciation of investments		21,113,309			(48,484,091	)		20,469,788			(12,846,542	)		(471,287	)
Net increase (decrease) in net assets resulting from operations		23,545,005			(10,531,078	)		24,272,621			(3,282,396	)		(464,657	)
Contract transactions
Contract purchase payments		4,836,079			9,377,073			4,135,508			9,866,653			821,102
Net transfers(1)		3,091,651			(103,804,154	)		2,459,603			(50,507,944	)		1,686,557
Transfers for policy loans		(20,627	)		105,842			(7,273	)		657			(3,431	)
Adjustments to net assets allocated to contracts in payment period		11,455			(355,467	)		(10,472	)		(512,651	)		—
Contract charges		(58,470	)		(675,880	)		(46,211	)		(231,744	)		(1,683	)
Contract terminations:
Surrender benefits		(7,976,383	)		(78,310,332	)		(6,435,323	)		(28,182,009	)		(383,194	)
Death benefits		(1,105,905	)		(7,670,541	)		(666,494	)		(2,947,962	)		(17,840	)
Increase (decrease) from contract transactions		(1,222,200	)		(181,333,459	)		(570,662	)		(72,515,000	)		2,101,511
Net assets at beginning of year		92,609,727			823,175,337			62,202,731			298,500,037			3,354,618
Net assets at end of year	$	114,932,532		$	631,310,800		$	85,904,690		$	222,702,641		$	4,991,472
Accumulation unit activity
Units outstanding at beginning of year		61,186,635			528,176,929			42,432,206			205,042,915			3,251,456
Contract purchase payments		3,178,541			6,240,886			2,620,276			7,169,616			827,580
Net transfers(1)		1,849,824			(68,331,995	)		1,343,729			(35,942,110	)		1,642,419
Transfers for policy loans		(12,047	)		69,830			(4,246	)		(89	)		(2,926	)
Contract charges		(34,559	)		(436,783	)		(26,030	)		(160,025	)		(1,712	)
Contract terminations:
Surrender benefits		(4,571,828	)		(50,157,148	)		(3,526,009	)		(19,558,200	)		(388,266	)
Death benefits		(646,587	)		(4,989,108	)		(401,948	)		(2,043,684	)		(18,420	)
Units outstanding at end of year		60,949,979			410,572,611			42,437,978			154,508,423			5,310,131

⁽¹⁾ Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.

See accompanying notes to financial statements.

38  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

Statements of Changes in Net Assets

	PIMCO			Put VT			Royce						VanEck
	VIT Tot Return,			Multi-Cap			Micro-Cap,			Third			VIP Global
Period ended Dec. 31, 2013 (continued)	Advisor Cl(2)			Gro, Cl IB			Invest Cl			Ave Val			Gold, Cl S(2)
Operations
Investment income (loss) — net	$	46,660		$	(87,394	)	$	(108,042	)	$	702,094		$	(12,745	)
Net realized gain (loss) on sales of investments		(10,382	)		1,277,417			1,650,817			(284,060	)		(9,472	)
Distributions from capital gains		66,299			—			782,906			—			—
Net change in unrealized appreciation or depreciation of investments		(189,559	)		6,908,530			3,144,052			4,386,177			(568,513	)
Net increase (decrease) in net assets resulting from operations		(86,982	)		8,098,553			5,469,733			4,804,211			(590,730	)
Contract transactions
Contract purchase payments		1,681,360			378,426			335,353			291,072			437,119
Net transfers(1)		6,430,865			(899,297	)		(3,207,576	)		(1,960,575	)		3,508,142
Transfers for policy loans		(1,992	)		11,102			23,374			17,796			1,023
Adjustments to net assets allocated to contracts in payment period		—			13,051			(13,420	)		(28,863	)		—
Contract charges		(1,121	)		(21,881	)		(11,492	)		(11,864	)		(1,921	)
Contract terminations:
Surrender benefits		(123,939	)		(2,781,455	)		(3,514,802	)		(3,711,307	)		(61,898	)
Death benefits		(1,192	)		(170,594	)		(286,282	)		(208,174	)		(13,260	)
Increase (decrease) from contract transactions		7,983,981			(3,470,648	)		(6,674,845	)		(5,611,915	)		3,869,205
Net assets at beginning of year		—			24,654,927			31,894,272			29,223,183			—
Net assets at end of year	$	7,896,999		$	29,282,832		$	30,689,160		$	28,415,479		$	3,278,475
Accumulation unit activity
Units outstanding at beginning of year		—			19,953,112			8,698,770			10,402,654			—
Contract purchase payments		1,683,199			268,181			85,593			94,473			492,692
Net transfers(1)		6,618,599			(650,990	)		(839,169	)		(641,866	)		3,872,377
Transfers for policy loans		(2,093	)		7,457			5,934			5,572			1,213
Contract charges		(1,168	)		(15,481	)		(2,963	)		(3,879	)		(2,120	)
Contract terminations:
Surrender benefits		(105,276	)		(1,945,263	)		(906,774	)		(1,217,389	)		(71,806	)
Death benefits		(1,228	)		(116,228	)		(75,921	)		(68,262	)		(16,387	)
Units outstanding at end of year		8,192,033			17,500,788			6,965,470			8,571,303			4,275,969

(1)	Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.
(2)	For the period April 29, 2013 (commencement of operations) to Dec. 31, 2013.

See accompanying notes to financial statements.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  39

Statements of Changes in Net Assets

	VP			VP			VP AQR			VP BR			VP
	Aggr,			Aggr,			Man Fut			Gl Infl Prot			Conserv,
Period ended Dec. 31, 2013 (continued)	Cl 2			Cl 4			Strategy, Cl 2(2)			Sec, Cl 3			Cl 2
Operations
Investment income (loss) — net	$	(9,597,921	)	$	(14,588,130	)	$	26,189		$	(1,911,075	)	$	(8,769,729	)
Net realized gain (loss) on sales of investments		16,129,411			93,872,182			(4,878	)		(3,801,299	)		29,886,301
Distributions from capital gains		—			—			9,469			7,208,244			—
Net change in unrealized appreciation or depreciation of investments		172,244,616			207,777,282			243,833			(15,151,001	)		(4,356,385	)
Net increase (decrease) in net assets resulting from operations		178,776,106			287,061,334			274,613			(13,655,131	)		16,760,187
Contract transactions
Contract purchase payments		42,365,578			15,095,687			283,930			1,926,461			38,195,829
Net transfers(1)		138,813,229			(75,813,986	)		6,221,612			(48,242,484	)		(275,182,806	)
Transfers for policy loans		6,112			76,188			(1,974	)		16,176			(15,487	)
Adjustments to net assets allocated to contracts in payment period		(137,807	)		(229,677	)		—			2,746			(123,545	)
Contract charges		(8,080,195	)		(8,710,836	)		(978	)		(426,763	)		(5,701,953	)
Contract terminations:
Surrender benefits		(20,031,582	)		(77,676,563	)		(49,196	)		(22,615,773	)		(48,762,313	)
Death benefits		(4,643,707	)		(6,254,856	)		(10,023	)		(2,895,750	)		(13,053,676	)
Increase (decrease) from contract transactions		148,291,628			(153,514,043	)		6,443,371			(72,235,387	)		(304,643,951	)
Net assets at beginning of year		846,002,421			1,489,272,316			—			250,341,487			966,766,137
Net assets at end of year	$	1,173,070,155		$	1,622,819,607		$	6,717,984		$	164,450,969		$	678,882,373
Accumulation unit activity
Units outstanding at beginning of year		697,180,170			1,224,668,220			—			180,662,412			852,751,950
Contract purchase payments		31,778,762			11,395,654			286,290			1,418,713			33,687,013
Net transfers(1)		104,063,754			(51,202,034	)		6,296,020			(36,372,225	)		(240,671,163	)
Transfers for policy loans		4,679			57,505			(2,056	)		12,029			(14,222	)
Contract charges		(6,073,516	)		(6,534,169	)		(985	)		(315,054	)		(4,976,122	)
Contract terminations:
Surrender benefits		(14,964,072	)		(58,104,721	)		(48,868	)		(16,645,233	)		(42,473,708	)
Death benefits		(3,443,892	)		(4,688,219	)		(10,132	)		(2,153,189	)		(11,400,513	)
Units outstanding at end of year		808,545,885			1,115,592,236			6,520,269			126,607,453			586,903,235

(1)	Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.
(2)	For the period April 29, 2013 (commencement of operations) to Dec. 31, 2013.

See accompanying notes to financial statements.

40  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

Statements of Changes in Net Assets

	VP			VP GS			VP			VP			VP
	Conserv,			Commodity			Mod,			Mod,			Mod Aggr,
Period ended Dec. 31, 2013 (continued)	Cl 4			Strategy, Cl 2(2)			Cl 2			Cl 4			Cl 2
Operations
Investment income (loss) — net	$	(14,866,564	)	$	(4,837	)	$	(65,568,776	)	$	(107,059,588	)	$	(36,880,735	)
Net realized gain (loss) on sales of investments		101,828,268			(3,554	)		73,329,042			224,389,295			47,462,511
Distributions from capital gains		—			—			—			—			—
Net change in unrealized appreciation or depreciation of investments		(55,471,345	)		(23,200	)		632,330,334			1,010,995,692			518,229,728
Net increase (decrease) in net assets resulting from operations		31,490,359			(31,591	)		640,090,600			1,128,325,399			528,811,504
Contract transactions
Contract purchase payments		5,396,135			219,545			246,583,054			51,000,989			136,172,301
Net transfers(1)		(666,395,304	)		1,328,936			304,137,330			412,181,993			308,756,371
Transfers for policy loans		62,103			—			(223,397	)		528,043			(153,820	)
Adjustments to net assets allocated to contracts in payment period		(1,941,881	)		—			(1,484,275	)		(6,794,608	)		(446,627	)
Contract charges		(8,929,398	)		(91	)		(54,779,606	)		(65,988,914	)		(33,640,797	)
Contract terminations:
Surrender benefits		(126,490,350	)		(8,706	)		(216,660,205	)		(702,311,664	)		(78,766,732	)
Death benefits		(25,206,362	)		—			(42,437,335	)		(90,808,523	)		(16,305,419	)
Increase (decrease) from contract transactions		(823,505,057	)		1,539,684			235,135,566			(402,192,684	)		315,615,277
Net assets at beginning of year		1,915,661,087			—			6,066,556,984			10,944,927,529			3,350,869,877
Net assets at end of year	$	1,123,646,389		$	1,508,093		$	6,941,783,150		$	11,671,060,244		$	4,195,296,658
Accumulation unit activity
Units outstanding at beginning of year		1,687,368,305			—			5,088,615,794			9,162,517,935			2,775,342,574
Contract purchase payments		4,706,495			233,558			198,570,417			40,684,208			105,988,654
Net transfers(1)		(582,586,865	)		1,413,638			244,994,479			329,366,324			241,139,024
Transfers for policy loans		54,102			—			(182,093	)		422,227			(117,972	)
Contract charges		(7,776,106	)		(98	)		(43,582,315	)		(52,433,032	)		(25,914,383	)
Contract terminations:
Surrender benefits		(110,112,205	)		(8,337	)		(172,013,696	)		(557,961,256	)		(60,341,407	)
Death benefits		(21,991,243	)		—			(33,910,154	)		(72,208,513	)		(12,394,750	)
Units outstanding at end of year		969,662,483			1,638,761			5,282,492,432			8,850,387,893			3,023,701,740

(1)	Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.
(2)	For the period April 29, 2013 (commencement of operations) to Dec. 31, 2013.

See accompanying notes to financial statements.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  41

Statements of Changes in Net Assets

	VP Mod			VP Mod			VP Mod			VP Ptnrs			VP Pyrford
	Aggr,			Conserv,			Conserv,			Sm Cap Val,			Intl Eq,
Period ended Dec. 31, 2013 (continued)	Cl 4			Cl 2			Cl 4			Cl 3			Cl 2(2)
Operations
Investment income (loss) — net	$	(56,926,863	)	$	(19,048,913	)	$	(32,316,791	)	$	(1,246,358	)	$	130
Net realized gain (loss) on sales of investments		326,410,587			62,603,782			180,009,045			11,564,138			171
Distributions from capital gains		—			—			—			—			—
Net change in unrealized appreciation or depreciation of investments		598,261,192			66,578,931			50,632,841			31,342,340			31,205
Net increase (decrease) in net assets resulting from operations		867,744,916			110,133,800			198,325,095			41,660,120			31,506
Contract transactions
Contract purchase payments		46,146,012			75,508,842			14,232,610			1,222,856			43,687
Net transfers(1)		(553,429,442	)		(325,502,907	)		(626,164,296	)		(16,326,065	)		751,646
Transfers for policy loans		9,632			3,630			71,730			17,496			(408	)
Adjustments to net assets allocated to contracts in payment period		(2,560,978	)		(1,024,049	)		(2,504,038	)		(73,507	)		—
Contract charges		(34,326,174	)		(12,874,729	)		(17,799,042	)		(319,931	)		(42	)
Contract terminations:
Surrender benefits		(305,357,559	)		(90,104,786	)		(232,068,795	)		(14,887,029	)		(7,892	)
Death benefits		(32,913,632	)		(23,712,470	)		(46,617,556	)		(1,091,239	)		—
Increase (decrease) from contract transactions		(882,432,141	)		(377,706,469	)		(910,849,387	)		(31,457,419	)		786,991
Net assets at beginning of year		5,959,829,735			1,972,535,988			3,653,172,043			136,991,424			—
Net assets at end of year	$	5,945,142,510		$	1,704,963,319		$	2,940,647,751		$	147,194,125		$	818,497
Accumulation unit activity
Units outstanding at beginning of year		4,925,650,775			1,698,010,069			3,133,835,674			69,565,877			—
Contract purchase payments		35,662,265			63,974,483			11,884,536			561,843			41,684
Net transfers(1)		(402,498,996	)		(271,462,948	)		(521,041,196	)		(7,232,800	)		743,107
Transfers for policy loans		6,814			2,843			59,379			7,227			(404	)
Contract charges		(26,414,995	)		(10,746,040	)		(14,821,653	)		(141,632	)		(42	)
Contract terminations:
Surrender benefits		(234,543,508	)		(75,059,563	)		(193,052,269	)		(6,262,334	)		(6,945	)
Death benefits		(25,274,908	)		(19,833,952	)		(38,882,735	)		(474,223	)		—
Units outstanding at end of year		4,272,587,447			1,384,884,892			2,377,981,736			56,023,958			777,400

(1)	Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.
(2)	For the period April 30, 2013 (commencement of operations) to Dec. 31, 2013.

See accompanying notes to financial statements.

42  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

Statements of Changes in Net Assets

	VP Sit			VP Vty									WF Adv
	Divd Gro,			Estb Val,									VT Index Asset
Year ended Dec. 31, 2013 (continued)	Cl 3			Cl 3			Wanger Intl			Wanger USA			Alloc, Cl 2
Operations
Investment income (loss) — net	$	(394,178	)	$	(141,787	)	$	5,675,402		$	(2,728,873	)	$	229,263
Net realized gain (loss) on sales of investments		2,730,440			819,331			9,348,851			15,786,397			1,075,051
Distributions from capital gains		—			—			22,333,670			32,142,042			—
Net change in unrealized appreciation or depreciation of investments		8,169,469			4,043,201			26,225,119			58,853,478			3,741,002
Net increase (decrease) in net assets resulting from operations		10,505,731			4,720,745			63,583,042			104,053,044			5,045,316
Contract transactions
Contract purchase payments		424,462			256,402			4,030,644			4,250,592			281,781
Net transfers(1)		(1,525,936	)		952,698			(6,790,572	)		(18,019,394	)		(597,784	)
Transfers for policy loans		4,481			1,025			58,465			4,001			28,096
Adjustments to net assets allocated to contracts in payment period		(17,147	)		(4,996	)		(82,398	)		(175,889	)		5,793
Contract charges		(124,777	)		(13,865	)		(351,801	)		(340,903	)		(24,883	)
Contract terminations:
Surrender benefits		(3,668,101	)		(1,603,580	)		(33,098,561	)		(39,004,563	)		(4,162,447	)
Death benefits		(348,196	)		(108,869	)		(2,397,708	)		(2,880,520	)		(343,613	)
Increase (decrease) from contract transactions		(5,255,214	)		(521,185	)		(38,631,931	)		(56,166,676	)		(4,813,057	)
Net assets at beginning of year		40,838,076			13,797,034			317,596,835			343,871,742			28,892,653
Net assets at end of year	$	46,088,593		$	17,996,594		$	342,547,946		$	391,758,110		$	29,124,912
Accumulation unit activity
Units outstanding at beginning of year		39,258,276			9,679,705			137,800,675			166,631,228			19,664,728
Contract purchase payments		358,857			158,386			1,806,951			1,942,792			175,149
Net transfers(1)		(1,302,137	)		555,829			(2,313,948	)		(7,158,642	)		(361,831	)
Transfers for policy loans		4,006			1,447			22,581			2,847			17,346
Contract charges		(104,641	)		(8,243	)		(139,458	)		(143,470	)		(15,551	)
Contract terminations:
Surrender benefits		(3,099,432	)		(944,938	)		(12,345,497	)		(15,648,774	)		(2,572,722	)
Death benefits		(294,935	)		(64,539	)		(909,700	)		(1,204,354	)		(216,528	)
Units outstanding at end of year		34,819,994			9,377,647			123,921,604			144,421,627			16,690,591

⁽¹⁾ Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.

See accompanying notes to financial statements.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  43

Statements of Changes in Net Assets

	WF Adv			WF Adv			WA Var
	VT Intl Eq,			VT Sm Cap Gro,			Global Hi Yd Bond,
Period ended Dec. 31, 2013 (continued)	Cl 2			Cl 2			Cl II(2)
Operations
Investment income (loss) — net	$	606,334		$	(666,116	)	$	156,418
Net realized gain (loss) on sales of investments		1,244,958			3,110,788			(5,473	)
Distributions from capital gains		2,419,735			3,741,776			—
Net change in unrealized appreciation or depreciation of investments		4,001,060			22,342,123			(99,937	)
Net increase (decrease) in net assets resulting from operations		8,272,087			28,528,571			51,008
Contract transactions
Contract purchase payments		628,492			2,788,308			486,220
Net transfers(1)		(4,302,466	)		(2,540,112	)		2,560,675
Transfers for policy loans		17,304			(23,861	)		(555	)
Adjustments to net assets allocated to contracts in payment period		(17,944	)		(8,406	)		—
Contract charges		(74,278	)		(40,168	)		(549	)
Contract terminations:
Surrender benefits		(4,893,127	)		(6,920,859	)		(45,392	)
Death benefits		(465,926	)		(366,776	)		—
Increase (decrease) from contract transactions		(9,107,945	)		(7,111,874	)		3,000,399
Net assets at beginning of year		49,421,445			63,273,528			—
Net assets at end of year	$	48,585,587		$	84,690,225		$	3,051,407
Accumulation unit activity
Units outstanding at beginning of year		40,039,903			42,723,604			—
Contract purchase payments		496,740			1,575,473			484,538
Net transfers(1)		(3,404,399	)		(1,757,978	)		2,570,216
Transfers for policy loans		13,452			(13,884	)		(577	)
Contract charges		(60,299	)		(21,980	)		(549	)
Contract terminations:
Surrender benefits		(3,526,630	)		(3,755,895	)		(44,520	)
Death benefits		(336,429	)		(197,061	)		—
Units outstanding at end of year		33,222,338			38,552,279			3,009,108

(1)	Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.
(2)	For the period April 29, 2013 (commencement of operations) to Dec. 31, 2013.

See accompanying notes to financial statements.

44  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

Statements of Changes in Net Assets

	AB VPS Global			AB VPS			AB VPS			AC VP			AC VP
	Thematic Gro,			Gro & Inc,			Intl Val,			Intl,			Mid Cap Val,
Year ended Dec. 31, 2012	Cl B			Cl B			Cl B			Cl I			Cl II
Operations
Investment income (loss) — net	$	(86,217	)	$	505,567		$	943,803		$	5,871		$	377,150
Net realized gain (loss) on sales of investments		(43,083	)		(921,040	)		(18,454,379	)		(332,266	)		775,955
Distributions from capital gains		—			—			—			—			2,233,365
Net change in unrealized appreciation or depreciation of investments		1,266,117			16,947,214			45,443,074			3,066,524			2,265,079
Net increase (decrease) in net assets resulting from operations		1,136,817			16,531,741			27,932,498			2,740,129			5,651,549
Contract transactions
Contract purchase payments		209,287			1,411,444			3,910,635			158,233			564,673
Net transfers(1)		(2,118,119	)		(5,875,048	)		(28,434,630	)		(1,666,217	)		(62,222	)
Transfers for policy loans		770			(18,825	)		84,777			(5,669	)		2,351
Adjustments to net assets allocated to contracts in payment period		(1,334	)		25,053			(52,515	)		(2,941	)		(8,434	)
Contract charges		(9,793	)		(86,731	)		(307,122	)		(6,896	)		(43,790	)
Contract terminations:
Surrender benefits		(817,141	)		(11,876,246	)		(21,428,725	)		(2,307,350	)		(3,386,652	)
Death benefits		(8,688	)		(1,151,128	)		(1,993,667	)		(146,612	)		(372,286	)
Increase (decrease) from contract transactions		(2,745,018	)		(17,571,481	)		(48,221,247	)		(3,977,452	)		(3,306,360	)
Net assets at beginning of year		10,182,902			107,039,433			236,221,327			15,549,834			38,863,019
Net assets at end of year	$	8,574,701		$	105,999,693		$	215,932,578		$	14,312,511		$	41,208,208
Accumulation unit activity
Units outstanding at beginning of year		10,598,044			96,883,271			203,415,085			14,468,886			35,063,145
Contract purchase payments		201,584			1,164,626			3,674,043			134,855			446,984
Net transfers(1)		(2,045,756	)		(4,646,325	)		(23,384,819	)		(1,416,790	)		(31,415	)
Transfers for policy loans		706			(14,841	)		66,963			(4,530	)		2,213
Contract charges		(9,453	)		(71,055	)		(245,686	)		(5,901	)		(36,197	)
Contract terminations:
Surrender benefits		(791,299	)		(9,648,433	)		(16,707,045	)		(1,974,529	)		(2,938,252	)
Death benefits		(8,779	)		(939,827	)		(1,706,232	)		(127,749	)		(306,661	)
Units outstanding at end of year		7,945,047			82,727,416			165,112,309			11,074,242			32,199,817

⁽¹⁾ Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.

See accompanying notes to financial statements.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  45

Statements of Changes in Net Assets

	AC VP			AC VP			BlackRock						Col
	Ultra,			Val,			Global Alloc,			Calvert VP			VP Bal,
Period ended Dec. 31, 2012 (continued)	Cl II			Cl I			Cl III(2)			SRI Bal			Cl 3
Operations
Investment income (loss) — net	$	(242,824	)	$	490,645		$	129,765		$	83,892		$	(2,161,710	)
Net realized gain (loss) on sales of investments		702,001			(620,701	)		12,902			243,259			3,458,238
Distributions from capital gains		—			—			36,840			—			—
Net change in unrealized appreciation or depreciation of investments		2,802,864			6,150,898			242,216			1,944,162			25,206,058
Net increase (decrease) in net assets resulting from operations		3,262,041			6,020,842			421,723			2,271,313			26,502,586
Contract transactions
Contract purchase payments		492,535			542,320			1,266,850			458,705			3,603,078
Net transfers(1)		(657,760	)		(1,861,031	)		10,053,489			(99,710	)		(4,446,351	)
Transfers for policy loans		10,015			25,453			(2,311	)		4,073			66,186
Adjustments to net assets allocated to contracts in payment period		(503	)		(5,382	)		33,778			(8,210	)		(419,953	)
Contract charges		(25,886	)		(18,601	)		(2,801	)		(22,577	)		(172,554	)
Contract terminations:
Surrender benefits		(2,295,969	)		(7,027,458	)		(392,697	)		(2,306,698	)		(20,519,670	)
Death benefits		(179,766	)		(493,481	)		(10,149	)		(102,964	)		(3,955,729	)
Increase (decrease) from contract transactions		(2,657,334	)		(8,838,180	)		10,946,159			(2,077,381	)		(25,844,993	)
Net assets at beginning of year		25,617,504			47,555,923			—			23,915,287			211,287,824
Net assets at end of year	$	26,222,211		$	44,738,585		$	11,367,882		$	24,109,219		$	211,945,417
Accumulation unit activity
Units outstanding at beginning of year		24,049,782			27,809,976			—			21,308,769			156,898,748
Contract purchase payments		405,515			295,309			1,267,196			375,420			2,568,741
Net transfers(1)		(517,998	)		(1,001,493	)		10,148,466			(69,824	)		(3,606,766	)
Transfers for policy loans		8,554			13,967			(2,355	)		3,457			30,256
Contract charges		(21,979	)		(10,167	)		(2,780	)		(18,751	)		(117,853	)
Contract terminations:
Surrender benefits		(1,950,631	)		(3,835,533	)		(387,377	)		(1,909,180	)		(13,962,892	)
Death benefits		(156,555	)		(272,938	)		(9,957	)		(83,414	)		(2,803,442	)
Units outstanding at end of year		21,816,688			22,999,121			11,013,193			19,606,477			139,006,792

(1)	Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.
(2)	For the period April 30, 2012 (commencement of operations) to Dec. 31, 2012.

See accompanying notes to financial statements.

46  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

Statements of Changes in Net Assets

	Col VP			Col VP			Col VP			Col VP			Col VP
	Cash Mgmt,			Div Bond,			Divd Opp,			Emer Mkts,			Global Bond,
Year ended Dec. 31, 2012 (continued)	Cl 3			Cl 3			Cl 3			Cl 3			Cl 3
Operations
Investment income (loss) — net	$	(3,012,129	)	$	29,860,466		$	(6,894,513	)	$	(1,558,504	)	$	5,895,703
Net realized gain (loss) on sales of investments		37,181			8,842,774			18,312,154			7,316,070			4,803,366
Distributions from capital gains		—			26,128,545			—			6,155,220			1,788,655
Net change in unrealized appreciation or depreciation of investments		(37,242	)		(269,237	)		82,437,103			36,274,035			5,448,099
Net increase (decrease) in net assets resulting from operations		(3,012,190	)		64,562,548			93,854,744			48,186,821			17,935,823
Contract transactions
Contract purchase payments		17,149,735			11,112,224			10,924,407			4,456,206			3,384,037
Net transfers(1)		(22,855,834	)		31,027,011			(81,608,611	)		(23,876,908	)		(13,865,435	)
Transfers for policy loans		334,584			105,982			293,084			124,271			77,135
Adjustments to net assets allocated to contracts in payment period		(1,342,433	)		(751,859	)		(492,992	)		(36,170	)		(68,790	)
Contract charges		(280,577	)		(1,074,426	)		(696,076	)		(318,386	)		(354,442	)
Contract terminations:
Surrender benefits		(76,865,493	)		(105,338,691	)		(76,724,238	)		(26,760,396	)		(34,243,547	)
Death benefits		(5,775,198	)		(13,841,929	)		(7,902,232	)		(1,858,118	)		(4,610,831	)
Increase (decrease) from contract transactions		(89,635,216	)		(78,761,688	)		(156,206,658	)		(48,269,501	)		(49,681,873	)
Net assets at beginning of year		387,974,236			1,017,798,746			770,563,042			272,219,219			357,712,168
Net assets at end of year	$	295,326,830		$	1,003,599,606		$	708,211,128		$	272,136,539		$	325,966,118
Accumulation unit activity
Units outstanding at beginning of year		335,562,699			642,765,007			533,664,505			148,253,781			208,801,446
Contract purchase payments		15,490,669			7,236,358			7,441,680			2,410,210			2,058,581
Net transfers(1)		(21,513,103	)		18,565,015			(52,210,359	)		(12,051,537	)		(8,157,280	)
Transfers for policy loans		282,546			62,466			169,634			68,362			40,368
Contract charges		(243,207	)		(668,324	)		(466,893	)		(157,509	)		(206,161	)
Contract terminations:
Surrender benefits		(66,591,588	)		(62,925,269	)		(47,286,502	)		(13,103,247	)		(18,877,138	)
Death benefits		(5,220,553	)		(8,704,919	)		(5,065,635	)		(949,697	)		(2,733,277	)
Units outstanding at end of year		257,767,463			596,330,334			436,246,430			124,470,363			180,926,539

⁽¹⁾ Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.

See accompanying notes to financial statements.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  47

Statements of Changes in Net Assets

	Col VP			Col VP			Col VP			Col VP			Col VP
	Hi Yield Bond,			Inc Opp,			Intl Opp,			Lg Cap Gro,			Lg Core Quan,
Year ended Dec. 31, 2012 (continued)	Cl 3			Cl 3			Cl 3			Cl 3			Cl 3
Operations
Investment income (loss) — net	$	28,990,625		$	12,241,024		$	526,344		$	(1,085,615	)	$	(3,846,439	)
Net realized gain (loss) on sales of investments		3,854,383			1,340,601			1,074,559			394,666			138,455
Distributions from capital gains		—			4,407,781			—			—			—
Net change in unrealized appreciation or depreciation of investments		28,990,865			9,821,379			14,086,091			22,786,646			51,416,258
Net increase (decrease) in net assets resulting from operations		61,835,873			27,810,785			15,686,994			22,095,697			47,708,274
Contract transactions
Contract purchase payments		4,812,200			2,271,338			1,637,660			1,922,876			5,707,761
Net transfers(1)		6,124,901			16,218,310			(11,049,252	)		(8,495,453	)		(18,098,100	)
Transfers for policy loans		59,237			1,566			138,299			109,219			471,026
Adjustments to net assets allocated to contracts in payment period		(356,282	)		150,142			(99,959	)		(65,696	)		(608,613	)
Contract charges		(273,723	)		(278,123	)		(87,062	)		(139,218	)		(790,551	)
Contract terminations:
Surrender benefits		(47,993,025	)		(21,470,037	)		(11,700,525	)		(12,285,433	)		(40,980,079	)
Death benefits		(5,735,322	)		(2,389,397	)		(1,151,259	)		(894,003	)		(3,813,734	)
Increase (decrease) from contract transactions		(43,362,014	)		(5,496,201	)		(22,312,098	)		(19,847,708	)		(58,112,290	)
Net assets at beginning of year		439,609,364			200,838,752			106,020,712			120,479,105			384,118,754
Net assets at end of year	$	458,083,223		$	223,153,336		$	99,395,608		$	122,727,094		$	373,714,738
Accumulation unit activity
Units outstanding at beginning of year		242,258,810			131,374,587			101,841,682			183,233,997			398,158,310
Contract purchase payments		2,614,512			1,412,252			1,451,800			2,489,558			5,203,540
Net transfers(1)		3,819,171			10,169,443			(10,309,280	)		(11,718,028	)		(18,691,867	)
Transfers for policy loans		30,760			1,106			121,178			153,567			387,204
Contract charges		(141,857	)		(171,363	)		(78,133	)		(183,968	)		(777,478	)
Contract terminations:
Surrender benefits		(24,290,786	)		(13,026,683	)		(10,288,334	)		(16,402,679	)		(38,022,181	)
Death benefits		(2,974,205	)		(1,470,328	)		(1,020,449	)		(1,208,412	)		(3,704,740	)
Units outstanding at end of year		221,316,405			128,289,014			81,718,464			156,364,035			342,552,788

⁽¹⁾ Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.

See accompanying notes to financial statements.

48  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

Statements of Changes in Net Assets

	Col VP			Col VP			Col VP			Col VP			Col VP
	Marsico Gro,			Marsico Intl			Mid Cap Gro			Mid Cap Val			S&P 500,
Year ended Dec. 31, 2012 (continued)	Cl 1			Opp, Cl 2			Opp, Cl 3			Opp, Cl 3			Cl 3
Operations
Investment income (loss) — net	$	(400,604	)	$	1,253		$	(936,705	)	$	(752,043	)	$	(1,191,161	)
Net realized gain (loss) on sales of investments		9,740,971			(4,634,412	)		3,849,173			(653,920	)		5,280,870
Distributions from capital gains		—			—			—			—			—
Net change in unrealized appreciation or depreciation of investments		11,330,902			11,952,584			6,875,079			14,998,190			14,181,827
Net increase (decrease) in net assets resulting from operations		20,671,269			7,319,425			9,787,547			13,592,227			18,271,536
Contract transactions
Contract purchase payments		2,764,904			1,623,534			1,446,990			1,387,623			4,331,597
Net transfers(1)		(22,819,241	)		(8,923,266	)		(10,864,819	)		(13,926,212	)		(2,539,572	)
Transfers for policy loans		11,015			14,740			100,695			22,504			47,229
Adjustments to net assets allocated to contracts in payment period		(29,992	)		(20,012	)		(82,281	)		(5,730	)		(61,149	)
Contract charges		(231,651	)		(35,874	)		(93,666	)		(71,627	)		(103,777	)
Contract terminations:
Surrender benefits		(17,330,025	)		(3,551,326	)		(10,843,635	)		(7,216,813	)		(14,460,953	)
Death benefits		(1,360,436	)		(216,114	)		(853,528	)		(691,050	)		(1,173,566	)
Increase (decrease) from contract transactions		(38,995,426	)		(11,108,318	)		(21,190,244	)		(20,501,305	)		(13,960,191	)
Net assets at beginning of year		185,686,417			49,130,956			98,157,686			85,947,883			129,621,631
Net assets at end of year	$	167,362,260		$	45,342,063		$	86,754,989		$	79,038,805		$	133,932,976
Accumulation unit activity
Units outstanding at beginning of year		174,066,949			56,806,756			83,644,662			74,819,732			134,954,041
Contract purchase payments		2,327,129			1,692,596			1,160,174			1,155,982			3,924,497
Net transfers(1)		(19,381,209	)		(9,579,251	)		(8,324,426	)		(11,045,902	)		(2,559,326	)
Transfers for policy loans		8,204			15,982			85,648			16,627			45,232
Contract charges		(194,758	)		(38,311	)		(74,195	)		(57,294	)		(98,440	)
Contract terminations:
Surrender benefits		(14,862,163	)		(3,863,988	)		(8,513,321	)		(5,545,340	)		(13,785,227	)
Death benefits		(1,165,028	)		(229,445	)		(676,992	)		(555,693	)		(1,105,384	)
Units outstanding at end of year		140,799,124			44,804,339			67,301,550			58,788,112			121,375,393

⁽¹⁾ Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.

See accompanying notes to financial statements.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  49

Statements of Changes in Net Assets

	Col VP			Col VP			Col VP			CS			DWS Alt
	Select Lg Cap			Select Sm Cap			US Govt Mtge,			Commodity			Asset Alloc
Period ended Dec. 31, 2012 (continued)	Val, Cl 3			Val, Cl 3			Cl 3			Return			VIP, Cl B(2)
Operations
Investment income (loss) — net	$	(227,956	)	$	(438,135	)	$	53,293		$	(736,864	)	$	(22,567	)
Net realized gain (loss) on sales of investments		881,928			160,241			986,544			(6,042,511	)		4,521
Distributions from capital gains		—			—			—			—			—
Net change in unrealized appreciation or depreciation of investments		3,437,791			8,202,024			665,950			4,469,156			200,365
Net increase (decrease) in net assets resulting from operations		4,091,763			7,924,130			1,705,787			(2,310,219	)		182,319
Contract transactions
Contract purchase payments		291,546			781,140			4,239,067			1,436,443			692,317
Net transfers(1)		(986,335	)		(5,501,215	)		(2,986,339	)		(6,443,194	)		7,441,598
Transfers for policy loans		12,970			3,791			26,285			9,096			533
Adjustments to net assets allocated to contracts in payment period		(1,947	)		(16,779	)		(97,389	)		(19,209	)		9,124
Contract charges		(17,702	)		(42,177	)		(157,816	)		(52,203	)		(1,389	)
Contract terminations:
Surrender benefits		(2,552,431	)		(5,107,094	)		(30,511,793	)		(7,831,968	)		(176,429	)
Death benefits		(228,850	)		(366,711	)		(3,448,635	)		(569,711	)		—
Increase (decrease) from contract transactions		(3,482,749	)		(10,249,045	)		(32,936,620	)		(13,470,746	)		7,965,754
Net assets at beginning of year		24,665,890			50,870,690			261,926,797			88,474,347			—
Net assets at end of year	$	25,274,904		$	48,545,775		$	230,695,964		$	72,693,382		$	8,148,073
Accumulation unit activity
Units outstanding at beginning of year		21,869,264			33,500,716			204,129,898			99,282,625			—
Contract purchase payments		241,712			506,180			3,545,613			1,610,290			713,641
Net transfers(1)		(689,091	)		(3,266,824	)		(1,975,013	)		(7,309,638	)		7,602,746
Transfers for policy loans		10,116			2,001			16,614			10,391			541
Contract charges		(14,390	)		(25,398	)		(122,539	)		(58,970	)		(1,410	)
Contract terminations:
Surrender benefits		(2,023,291	)		(2,942,015	)		(23,370,456	)		(8,842,786	)		(177,911	)
Death benefits		(184,102	)		(221,669	)		(2,687,181	)		(644,405	)		—
Units outstanding at end of year		19,210,218			27,552,991			179,536,936			84,047,507			8,137,607

(1)	Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.
(2)	For the period April 30, 2012 (commencement of operations) to Dec. 31, 2012.

See accompanying notes to financial statements.

50  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

Statements of Changes in Net Assets

	EV VT			Fid VIP			Fid VIP			Fid VIP			Fid VIP
	Floating-			Contrafund,			Gro & Inc,			Mid Cap,			Overseas,
Year ended Dec. 31, 2012 (continued)	Rate Inc			Serv Cl 2			Serv Cl			Serv Cl			Serv Cl
Operations
Investment income (loss) — net	$	8,011,645		$	775,493		$	660,915		$	(441,163	)	$	175,873
Net realized gain (loss) on sales of investments		744,498			(2,697,046	)		(42,409	)		8,795,112			(1,102,228	)
Distributions from capital gains		2,828,139			—			25,430			8,631,268			63,028
Net change in unrealized appreciation or depreciation of investments		3,511,096			64,573,543			8,420,458			(1,051,949	)		4,507,883
Net increase (decrease) in net assets resulting from operations		15,095,378			62,651,990			9,064,394			15,933,268			3,644,556
Contract transactions
Contract purchase payments		2,904,905			11,951,795			545,532			1,305,110			263,528
Net transfers(1)		6,232,092			(31,693,622	)		(3,115,379	)		(14,205,918	)		(2,465,586	)
Transfers for policy loans		11,246			53,819			62,848			52,332			4,344
Adjustments to net assets allocated to contracts in payment period		(38,521	)		(42,849	)		(4,339	)		(104,619	)		(14,408	)
Contract charges		(217,434	)		(312,183	)		(28,249	)		(55,627	)		(9,171	)
Contract terminations:
Surrender benefits		(25,903,213	)		(41,172,635	)		(7,956,003	)		(16,971,965	)		(2,831,980	)
Death benefits		(3,206,413	)		(3,703,225	)		(500,016	)		(1,114,692	)		(121,829	)
Increase (decrease) from contract transactions		(20,217,338	)		(64,918,900	)		(10,995,606	)		(31,095,379	)		(5,175,102	)
Net assets at beginning of year		252,208,109			431,773,288			55,469,217			124,443,417			20,771,845
Net assets at end of year	$	247,086,149		$	429,506,378		$	53,538,005		$	109,281,306		$	19,241,299
Accumulation unit activity
Units outstanding at beginning of year		214,406,518			414,277,574			52,168,699			36,566,346			20,617,994
Contract purchase payments		2,393,372			10,234,461			461,024			352,745			238,623
Net transfers(1)		4,752,304			(27,560,465	)		(2,632,346	)		(3,852,427	)		(2,227,876	)
Transfers for policy loans		9,281			45,772			53,602			13,984			4,367
Contract charges		(178,582	)		(270,367	)		(23,976	)		(15,077	)		(8,324	)
Contract terminations:
Surrender benefits		(21,217,705	)		(36,005,291	)		(6,741,220	)		(4,582,019	)		(2,565,882	)
Death benefits		(2,642,079	)		(3,233,772	)		(430,079	)		(304,393	)		(113,780	)
Units outstanding at end of year		197,523,109			357,487,912			42,855,704			28,179,159			15,945,122

⁽¹⁾ Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.

See accompanying notes to financial statements.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  51

Statements of Changes in Net Assets

	FTVIPT Frank			FTVIPT Frank			GS VIT			GS VIT			GS VIT
	Global Real			Sm Cap			Mid Cap			Sm Cap Eq			U.S. Eq
Year ended Dec. 31, 2012 (continued)	Est, Cl 2			Val, Cl 2			Val, Inst			Insights, Inst			Insights, Inst
Operations
Investment income (loss) — net	$	(1,325,122	)	$	(143,047	)	$	573,562		$	19,020		$	1,225,570
Net realized gain (loss) on sales of investments		(11,732,143	)		6,023,182			1,533,211			198,199			(110,746	)
Distributions from capital gains		—			—			—			—			—
Net change in unrealized appreciation or depreciation of investments		48,187,345			17,830,486			37,616,461			661,672			17,015,835
Net increase (decrease) in net assets resulting from operations		35,130,080			23,710,621			39,723,234			878,891			18,130,659
Contract transactions
Contract purchase payments		2,482,576			3,086,159			2,469,716			89,945			1,510,286
Net transfers(1)		(6,598,706	)		(18,913,991	)		(27,882,780	)		(761,887	)		(10,726,919	)
Transfers for policy loans		53,873			43,134			(15,236	)		3,361			37,566
Adjustments to net assets allocated to contracts in payment period		(38,293	)		97,015			(82,051	)		(3,402	)		33,008
Contract charges		(123,956	)		(99,598	)		(270,333	)		(4,277	)		(328,213	)
Contract terminations:
Surrender benefits		(13,606,794	)		(13,780,056	)		(26,796,045	)		(978,197	)		(13,246,488	)
Death benefits		(1,204,299	)		(1,307,579	)		(2,032,043	)		(50,398	)		(1,162,757	)
Increase (decrease) from contract transactions		(19,035,599	)		(30,874,916	)		(54,608,772	)		(1,704,855	)		(23,883,517	)
Net assets at beginning of year		141,421,973			153,562,279			248,013,796			7,833,506			140,631,286
Net assets at end of year	$	157,516,454		$	146,397,984		$	233,128,258		$	7,007,542		$	134,878,428
Accumulation unit activity
Units outstanding at beginning of year		92,120,697			78,143,554			99,503,413			4,519,644			141,994,411
Contract purchase payments		1,630,830			1,970,523			938,486			47,817			1,386,801
Net transfers(1)		(3,216,724	)		(9,230,365	)		(10,227,611	)		(406,793	)		(9,809,030	)
Transfers for policy loans		25,723			15,160			(1,929	)		2,017			34,607
Contract charges		(70,096	)		(47,697	)		(99,500	)		(2,283	)		(300,752	)
Contract terminations:
Surrender benefits		(7,170,188	)		(6,087,973	)		(9,778,478	)		(521,307	)		(12,213,822	)
Death benefits		(656,687	)		(613,775	)		(757,260	)		(28,168	)		(1,082,824	)
Units outstanding at end of year		82,663,555			64,149,427			79,577,121			3,610,927			120,009,391

⁽¹⁾ Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.

See accompanying notes to financial statements.

52  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

Statements of Changes in Net Assets

	Invesco VI			Invesco VI			Invesco VI			Invesco VI			Invesco
	Am Fran,			Comstock,			Global Hlth,			Intl Gro,			VI Mid Cap
Period ended Dec. 31, 2012 (continued)	Ser I(2)			Ser II			Ser II			Ser II			Gro, Ser I(2)
Operations
Investment income (loss) — net	$	(79,332	)	$	1,265,942		$	(235,435	)	$	359,995		$	(90,403	)
Net realized gain (loss) on sales of investments		(95,946	)		711,406			591,759			1,265,822			(130,466	)
Distributions from capital gains		—			—			—			—			4,955
Net change in unrealized appreciation or depreciation of investments		(332,999	)		33,669,078			4,164,068			11,195,754			(264,938	)
Net increase (decrease) in net assets resulting from operations		(508,277	)		35,646,426			4,520,392			12,821,571			(480,852	)
Contract transactions
Contract purchase payments		240,992			2,340,848			381,119			1,398,897			140,845
Net transfers(1)		15,075,400			(24,099,877	)		1,051,431			(6,475,074	)		16,835,309
Transfers for policy loans		7,093			35,411			(20,562	)		35,229			10,404
Adjustments to net assets allocated to contracts in payment period		47,849			(38,104	)		33,460			(10,383	)		65,961
Contract charges		(6,502	)		(550,725	)		(21,023	)		(112,423	)		(7,388	)
Contract terminations:
Surrender benefits		(1,206,268	)		(16,862,456	)		(1,908,928	)		(8,570,067	)		(1,300,252	)
Death benefits		(72,653	)		(1,767,720	)		(99,306	)		(759,874	)		(150,329	)
Increase (decrease) from contract transactions		14,085,911			(40,942,623	)		(583,809	)		(14,493,695	)		15,594,550
Net assets at beginning of year		—			213,630,048			23,253,129			96,505,294			—
Net assets at end of year	$	13,577,634		$	208,333,851		$	27,189,712		$	94,833,170		$	15,113,698
Accumulation unit activity
Units outstanding at beginning of year		—			184,224,749			21,100,384			78,212,612			—
Contract purchase payments		254,381			1,881,064			305,158			1,079,170			149,674
Net transfers(1)		15,046,959			(18,686,298	)		883,669			(4,911,757	)		16,782,020
Transfers for policy loans		7,863			26,069			(16,593	)		25,646			11,075
Contract charges		(6,871	)		(425,178	)		(16,993	)		(86,633	)		(7,810	)
Contract terminations:
Surrender benefits		(1,268,189	)		(13,024,031	)		(1,551,235	)		(6,356,201	)		(1,375,718	)
Death benefits		(77,360	)		(1,376,448	)		(80,523	)		(575,222	)		(158,496	)
Units outstanding at end of year		13,956,783			152,619,927			20,623,867			67,387,615			15,400,745

(1)	Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.
(2)	For the period April 27, 2012 (commencement of operations) to Dec. 31, 2012.

See accompanying notes to financial statements.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  53

Statements of Changes in Net Assets

	Janus Aspen			Janus Aspen			Janus Aspen			Janus Aspen			Janus Aspen
	Enterprise,			Gbl Alloc Mod,			Global			Janus,			Overseas,
Period ended Dec. 31, 2012 (continued)	Serv			Serv(2)			Tech, Serv			Serv			Serv
Operations
Investment income (loss) — net	$	(115,432	)	$	5,162		$	(150,266	)	$	(279,033	)	$	(203,496	)
Net realized gain (loss) on sales of investments		379,428			1,755			581,137			2,127,787			925,849
Distributions from capital gains		—			3,395			—			1,007,953			8,437,952
Net change in unrealized appreciation or depreciation of investments		1,841,022			8,529			2,576,648			6,727,572			(108,913	)
Net increase (decrease) in net assets resulting from operations		2,105,018			18,841			3,007,519			9,584,279			9,051,392
Contract transactions
Contract purchase payments		198,608			34,268			219,804			1,056,994			918,009
Net transfers(1)		(984,655	)		419,111			(1,570,460	)		(6,730,728	)		(15,357,895	)
Transfers for policy loans		23,075			—			14,243			18,965			16,487
Adjustments to net assets allocated to contracts in payment period		—			—			(4,624	)		(1,758	)		(46,198	)
Contract charges		(11,016	)		(11	)		(11,772	)		(133,190	)		(44,782	)
Contract terminations:
Surrender benefits		(1,754,867	)		(14,923	)		(1,968,120	)		(4,870,731	)		(11,579,038	)
Death benefits		(67,085	)		—			(137,034	)		(614,080	)		(525,341	)
Increase (decrease) from contract transactions		(2,595,940	)		438,445			(3,457,963	)		(11,274,528	)		(26,618,758	)
Net assets at beginning of year		14,127,072			—			17,444,986			58,201,899			85,783,467
Net assets at end of year	$	13,636,150		$	457,286		$	16,994,542		$	56,511,650		$	68,216,101
Accumulation unit activity
Units outstanding at beginning of year		20,139,443			—			34,118,371			64,495,877			70,950,056
Contract purchase payments		256,523			32,336			381,650			1,037,784			706,999
Net transfers(1)		(1,285,919	)		420,979			(2,731,934	)		(6,609,220	)		(11,928,494	)
Transfers for policy loans		30,331			—			25,159			18,557			12,521
Contract charges		(14,330	)		(11	)		(20,335	)		(131,314	)		(34,794	)
Contract terminations:
Surrender benefits		(2,287,271	)		(14,183	)		(3,389,431	)		(4,784,799	)		(8,960,428	)
Death benefits		(88,375	)		—			(247,223	)		(605,059	)		(424,119	)
Units outstanding at end of year		16,750,402			439,121			28,136,257			53,421,826			50,321,741

(1)	Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.
(2)	For the period April 30, 2012 (commencement of operations) to Dec. 31, 2012.

See accompanying notes to financial statements.

54  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

Statements of Changes in Net Assets

	MFS			MFS			MFS			MS UIF			MS UIF
	Inv Gro Stock,			New Dis,			Utilities,			Global Real			Mid Cap Gro,
Year ended Dec. 31, 2012 (continued)	Serv Cl			Serv Cl			Serv Cl			Est, Cl II			Cl II
Operations
Investment income (loss) — net	$	(484,021	)	$	(482,326	)	$	13,289,554		$	(228,972	)	$	(514,156	)
Net realized gain (loss) on sales of investments		2,396,301			720,246			3,765,785			11,287			(475,352	)
Distributions from capital gains		3,603,337			5,254,319			—			—			6,826,382
Net change in unrealized appreciation or depreciation of investments		5,147,807			4,808,626			10,835,655			15,853,782			(1,829,908	)
Net increase (decrease) in net assets resulting from operations		10,663,424			10,300,865			27,890,994			15,636,097			4,006,966
Contract transactions
Contract purchase payments		1,070,457			636,743			6,472,624			949,289			1,843,128
Net transfers(1)		(1,476,143	)		(7,057,856	)		(11,911,170	)		(2,607,613	)		(14,949,180	)
Transfers for policy loans		(2,450	)		(13,252	)		6,402			(3,128	)		8,029
Adjustments to net assets allocated to contracts in payment period		(13,922	)		(5,156	)		22,892			(126,271	)		(33,349	)
Contract charges		(53,750	)		(42,764	)		(169,597	)		(57,578	)		(39,638	)
Contract terminations:
Surrender benefits		(7,806,065	)		(6,254,871	)		(21,129,459	)		(6,014,433	)		(4,757,391	)
Death benefits		(561,856	)		(329,378	)		(2,974,721	)		(543,639	)		(321,293	)
Increase (decrease) from contract transactions		(8,843,729	)		(13,066,534	)		(29,683,029	)		(8,403,373	)		(18,249,694	)
Net assets at beginning of year		70,257,234			55,683,183			241,228,781			57,824,305			58,188,777
Net assets at end of year	$	72,076,929		$	52,917,514		$	239,436,746		$	65,057,029		$	43,946,049
Accumulation unit activity
Units outstanding at beginning of year		89,085,787			47,311,942			121,679,827			61,295,983			47,463,286
Contract purchase payments		1,121,597			465,097			3,499,001			867,508			1,376,088
Net transfers(1)		(2,161,548	)		(5,367,980	)		(5,118,185	)		(2,446,876	)		(11,617,434	)
Transfers for policy loans		170			(10,712	)		(3,424	)		(2,703	)		5,778
Contract charges		(60,794	)		(32,081	)		(82,153	)		(52,766	)		(30,181	)
Contract terminations:
Surrender benefits		(9,159,908	)		(4,678,399	)		(9,700,050	)		(5,531,347	)		(3,674,036	)
Death benefits		(611,055	)		(236,364	)		(1,421,976	)		(505,285	)		(249,247	)
Units outstanding at end of year		78,214,249			37,451,503			108,853,040			53,624,514			33,274,254

⁽¹⁾ Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.

See accompanying notes to financial statements.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  55

Statements of Changes in Net Assets

	NB AMT			Oppen			Oppen Global			Oppen			PIMCO
	Intl Eq,			Global VA,			Strategic Inc			Main St Sm Cap			VIT All Asset,
Year ended Dec. 31, 2012 (continued)	Cl S			Serv			VA, Srv			VA, Serv			Advisor Cl
Operations
Investment income (loss) — net	$	(18,191	)	$	921,953		$	39,219,998		$	(366,133	)	$	10,956,645
Net realized gain (loss) on sales of investments		(621,890	)		(128,789	)		8,485,938			1,581,146			148,117
Distributions from capital gains		—			—			9,009,884			—			—
Net change in unrealized appreciation or depreciation of investments		3,579,774			15,632,054			38,652,915			8,448,040			23,405,916
Net increase (decrease) in net assets resulting from operations		2,939,693			16,425,218			95,368,735			9,663,053			34,510,678
Contract transactions
Contract purchase payments		276,572			3,047,045			9,024,356			1,757,261			8,400,304
Net transfers(1)		(1,919,664	)		(9,383,623	)		(25,538,145	)		(4,919,337	)		34,241,288
Transfers for policy loans		1,134			(6,395	)		13,346			9,769			99,701
Adjustments to net assets allocated to contracts in payment period		11,301			(35,143	)		(68,858	)		5,235			162,367
Contract charges		(36,794	)		(60,629	)		(767,303	)		(45,395	)		(248,765	)
Contract terminations:
Surrender benefits		(1,460,923	)		(6,423,035	)		(80,474,890	)		(4,901,464	)		(22,288,637	)
Death benefits		(132,671	)		(898,412	)		(11,290,074	)		(440,999	)		(2,305,456	)
Increase (decrease) from contract transactions		(3,261,045	)		(13,760,192	)		(109,101,568	)		(8,534,930	)		18,060,802
Net assets at beginning of year		18,305,505			89,944,701			836,908,170			61,074,608			245,928,557
Net assets at end of year	$	17,984,153		$	92,609,727		$	823,175,337		$	62,202,731		$	298,500,037
Accumulation unit activity
Units outstanding at beginning of year		22,062,692			70,702,104			601,875,970			48,318,473			192,032,118
Contract purchase payments		298,106			2,402,612			6,196,982			1,349,688			6,336,874
Net transfers(1)		(2,130,101	)		(6,680,834	)		(17,719,602	)		(3,486,953	)		24,780,017
Transfers for policy loans		1,658			(5,175	)		8,839			6,719			73,554
Contract charges		(40,571	)		(44,044	)		(519,622	)		(32,618	)		(181,414	)
Contract terminations:
Surrender benefits		(1,641,967	)		(4,521,784	)		(53,948,419	)		(3,415,544	)		(16,300,906	)
Death benefits		(149,151	)		(666,244	)		(7,717,219	)		(307,559	)		(1,697,328	)
Units outstanding at end of year		18,400,666			61,186,635			528,176,929			42,432,206			205,042,915

⁽¹⁾ Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.

See accompanying notes to financial statements.

56  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

Statements of Changes in Net Assets

	PIMCO
	VIT Glb			Put VT			Royce						VP
	MA Man Alloc,			Multi-Cap			Micro-Cap,			Third			Aggr,
Period ended Dec. 31, 2012 (continued)	Adv Cl(2)			Gro, Cl IB			Invest Cl			Ave Val			Cl 2
Operations
Investment income (loss) — net	$	34,284		$	(155,773	)	$	(310,617	)	$	4,509		$	(7,674,309	)
Net realized gain (loss) on sales of investments		2,055			911,780			2,007,333			(2,023,453	)		4,795,767
Distributions from capital gains		12,843			—			701,260			—			—
Net change in unrealized appreciation or depreciation of investments		56,824			3,133,386			83,209			9,052,126			91,313,090
Net increase (decrease) in net assets resulting from operations		106,006			3,889,393			2,481,185			7,033,182			88,434,548
Contract transactions
Contract purchase payments		376,685			491,082			471,626			332,363			133,967,462
Net transfers(1)		2,938,955			(2,005,761	)		(5,232,780	)		(3,849,758	)		(13,030,448	)
Transfers for policy loans		488			12,780			3,401			21,159			7,650
Adjustments to net assets allocated to contracts in payment period		—			(4,252	)		10,567			(34,142	)		(12,314	)
Contract charges		(366	)		(25,020	)		(15,063	)		(13,781	)		(5,916,139	)
Contract terminations:
Surrender benefits		(62,610	)		(3,226,559	)		(5,359,582	)		(3,792,617	)		(12,553,596	)
Death benefits		(4,540	)		(160,708	)		(305,913	)		(224,918	)		(4,708,025	)
Increase (decrease) from contract transactions		3,248,612			(4,918,438	)		(10,427,744	)		(7,561,694	)		97,754,590
Net assets at beginning of year		—			25,683,972			39,840,831			29,751,695			659,813,283
Net assets at end of year	$	3,354,618		$	24,654,927		$	31,894,272		$	29,223,183		$	846,002,421
Accumulation unit activity
Units outstanding at beginning of year		—			24,076,778			11,615,939			13,372,455			612,448,732
Contract purchase payments		373,078			412,064			131,156			130,732			115,326,039
Net transfers(1)		2,943,936			(1,682,139	)		(1,473,438	)		(1,524,575	)		(10,697,285	)
Transfers for policy loans		481			11,216			1,104			8,672			8,190
Contract charges		(367	)		(20,995	)		(4,209	)		(5,464	)		(5,078,245	)
Contract terminations:
Surrender benefits		(61,104	)		(2,709,707	)		(1,485,023	)		(1,489,921	)		(10,755,108	)
Death benefits		(4,568	)		(134,105	)		(86,759	)		(89,245	)		(4,072,153	)
Units outstanding at end of year		3,251,456			19,953,112			8,698,770			10,402,654			697,180,170

(1)	Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.
(2)	For the period April 30, 2012 (commencement of operations) to Dec. 31, 2012.

See accompanying notes to financial statements.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  57

Statements of Changes in Net Assets

	VP			VP BR			VP			VP			VP
	Aggr,			Gl Infl Prot			Conserv,			Conserv,			Mod,
Year ended Dec. 31, 2012 (continued)	Cl 4			Sec, Cl 3			Cl 2			Cl 4			Cl 2
Operations
Investment income (loss) — net	$	(14,352,981	)	$	9,107,472		$	(8,065,480	)	$	(16,398,722	)	$	(55,455,553	)
Net realized gain (loss) on sales of investments		59,222,666			178,782			6,402,307			19,899,825			17,954,379
Distributions from capital gains		—			3,219,948			—			—			—
Net change in unrealized appreciation or depreciation of investments		145,997,903			(619,035	)		46,459,634			98,300,203			519,855,907
Net increase (decrease) in net assets resulting from operations		190,867,588			11,887,167			44,796,461			101,801,306			482,354,733
Contract transactions
Contract purchase payments		20,997,404			1,879,579			100,317,018			10,230,485			942,404,723
Net transfers(1)		(238,691,853	)		(3,781,534	)		243,782,216			364,936,796			426,326,042
Transfers for policy loans		(91,313	)		(5,984	)		86,056			60,712			(191,982	)
Adjustments to net assets allocated to contracts in payment period		(912,352	)		(7,259	)		(164,857	)		(2,551,520	)		(1,400,634	)
Contract charges		(8,865,145	)		(480,058	)		(4,798,854	)		(9,736,451	)		(41,139,387	)
Contract terminations:
Surrender benefits		(66,009,124	)		(24,467,784	)		(40,540,249	)		(139,345,150	)		(134,466,171	)
Death benefits		(4,584,060	)		(3,124,101	)		(11,030,628	)		(25,797,567	)		(31,222,884	)
Increase (decrease) from contract transactions		(298,156,443	)		(29,987,141	)		287,650,702			197,797,305			1,160,309,707
Net assets at beginning of year		1,596,561,171			268,441,461			634,318,974			1,616,062,476			4,423,892,544
Net assets at end of year	$	1,489,272,316		$	250,341,487		$	966,766,137		$	1,915,661,087		$	6,066,556,984
Accumulation unit activity
Units outstanding at beginning of year		1,479,263,646			202,744,871			593,897,374			1,512,637,106			4,072,927,735
Contract purchase payments		18,020,405			1,396,077			91,193,666			9,265,159			824,547,530
Net transfers(1)		(204,439,377	)		(2,763,061	)		218,248,887			323,077,489			370,159,211
Transfers for policy loans		(79,911	)		(4,546	)		77,243			54,177			(168,223	)
Contract charges		(7,613,369	)		(353,959	)		(4,303,898	)		(8,762,358	)		(35,550,343	)
Contract terminations:
Surrender benefits		(56,557,397	)		(18,042,866	)		(36,456,171	)		(125,589,831	)		(116,210,455	)
Death benefits		(3,925,777	)		(2,314,104	)		(9,905,151	)		(23,313,437	)		(27,089,661	)
Units outstanding at end of year		1,224,668,220			180,662,412			852,751,950			1,687,368,305			5,088,615,794

⁽¹⁾ Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.

See accompanying notes to financial statements.

58  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

Statements of Changes in Net Assets

	VP			VP			VP Mod			VP Mod			VP Mod
	Mod,			Mod Aggr,			Aggr,			Conserv,			Conserv,
Year ended Dec. 31, 2012 (continued)	Cl 4			Cl 2			Cl 4			Cl 2			Cl 4
Operations
Investment income (loss) — net	$	(103,110,328	)	$	(31,161,680	)	$	(57,528,402	)	$	(17,221,585	)	$	(33,619,715	)
Net realized gain (loss) on sales of investments		150,324,681			17,949,105			188,546,467			8,087,052			37,435,990
Distributions from capital gains		—			—			—			—			—
Net change in unrealized appreciation or depreciation of investments		971,622,712			327,210,835			538,744,942			127,832,579			256,736,922
Net increase (decrease) in net assets resulting from operations		1,018,837,065			313,998,260			669,763,007			118,698,046			260,553,197
Contract transactions
Contract purchase payments		75,525,133			541,709,202			65,420,357			247,286,344			18,536,503
Net transfers(1)		112,402,482			(70,862,589	)		(723,819,904	)		350,896,336			340,174,635
Transfers for policy loans		298,231			(26,818	)		(110,231	)		(139,450	)		132,614
Adjustments to net assets allocated to contracts in payment period		(8,213,096	)		(127,467	)		(2,367,350	)		(293,470	)		(2,687,801	)
Contract charges		(61,889,916	)		(25,329,182	)		(35,176,413	)		(10,842,271	)		(18,228,674	)
Contract terminations:
Surrender benefits		(667,021,422	)		(53,989,363	)		(296,572,098	)		(67,163,570	)		(230,413,617	)
Death benefits		(94,875,129	)		(8,803,897	)		(30,334,129	)		(14,408,721	)		(45,175,387	)
Increase (decrease) from contract transactions		(643,773,717	)		382,569,886			(1,022,959,768	)		505,335,198			62,338,273
Net assets at beginning of year		10,569,864,181			2,654,301,731			6,313,026,496			1,348,502,744			3,330,280,573
Net assets at end of year	$	10,944,927,529		$	3,350,869,877		$	5,959,829,735		$	1,972,535,988		$	3,653,172,043
Accumulation unit activity
Units outstanding at beginning of year		9,718,866,971			2,443,393,783			5,802,273,051			1,249,525,463			3,079,882,051
Contract purchase payments		65,653,139			468,230,739			56,274,766			220,414,543			16,382,126
Net transfers(1)		92,249,145			(60,468,325	)		(621,933,925	)		309,608,959			296,759,969
Transfers for policy loans		258,682			(24,597	)		(94,961	)		(124,126	)		118,083
Contract charges		(53,631,262	)		(21,750,357	)		(30,244,711	)		(9,536,552	)		(16,076,261	)
Contract terminations:
Surrender benefits		(578,527,983	)		(46,460,528	)		(254,654,727	)		(59,116,540	)		(203,400,915	)
Death benefits		(82,350,757	)		(7,578,141	)		(25,968,718	)		(12,761,678	)		(39,829,379	)
Units outstanding at end of year		9,162,517,935			2,775,342,574			4,925,650,775			1,698,010,069			3,133,835,674

⁽¹⁾ Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.

See accompanying notes to financial statements.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  59

Statements of Changes in Net Assets

	VP Ptnrs			VP Sit			VP Vty
	Sm Cap Val,			Divd Gro,			Estb Val,
Year ended Dec. 31, 2012 (continued)	Cl 3			Cl 3			Cl 3			Wanger Intl			Wanger USA
Operations
Investment income (loss) — net	$	(1,254,784	)	$	(401,703	)	$	(121,616	)	$	932,452		$	(2,055,138	)
Net realized gain (loss) on sales of investments		6,228,749			2,067,522			255,126			11,090,386			11,316,908
Distributions from capital gains		—			—			—			30,227,779			17,590,243
Net change in unrealized appreciation or depreciation of investments		12,354,287			2,682,063			1,880,905			18,935,284			35,541,585
Net increase (decrease) in net assets resulting from operations		17,328,252			4,347,882			2,014,415			61,185,901			62,393,598
Contract transactions
Contract purchase payments		1,509,777			561,611			218,084			4,421,682			4,825,661
Net transfers(1)		(17,230,590	)		(6,963,267	)		(203,624	)		(38,817,675	)		(36,411,588	)
Transfers for policy loans		32,173			(554	)		577			36,211			67,785
Adjustments to net assets allocated to contracts in payment period		(64,265	)		(8,774	)		16,689			(116,578	)		11,582
Contract charges		(328,392	)		(133,632	)		(12,882	)		(370,018	)		(356,387	)
Contract terminations:
Surrender benefits		(14,179,791	)		(3,423,999	)		(1,125,540	)		(30,378,784	)		(33,953,668	)
Death benefits		(1,423,562	)		(508,881	)		(123,752	)		(2,321,697	)		(2,389,723	)
Increase (decrease) from contract transactions		(31,684,650	)		(10,477,496	)		(1,230,448	)		(67,546,859	)		(68,206,338	)
Net assets at beginning of year		151,347,822			46,967,690			13,013,067			323,957,793			349,684,482
Net assets at end of year	$	136,991,424		$	40,838,076		$	13,797,034		$	317,596,835		$	343,871,742
Accumulation unit activity
Units outstanding at beginning of year		86,377,890			49,564,946			10,544,132			167,899,223			200,493,549
Contract purchase payments		861,908			546,910			170,580			2,350,348			2,709,001
Net transfers(1)		(9,466,439	)		(6,841,864	)		(116,643	)		(17,901,430	)		(18,439,804	)
Transfers for policy loans		15,861			(440	)		(391	)		9,735			27,586
Contract charges		(179,946	)		(130,422	)		(9,497	)		(173,130	)		(183,868	)
Contract terminations:
Surrender benefits		(7,259,306	)		(3,377,564	)		(816,531	)		(13,320,502	)		(16,744,548	)
Death benefits		(784,091	)		(503,290	)		(91,945	)		(1,063,569	)		(1,230,688	)
Units outstanding at end of year		69,565,877			39,258,276			9,679,705			137,800,675			166,631,228

⁽¹⁾ Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.

See accompanying notes to financial statements.

60  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

Statements of Changes in Net Assets

	WF Adv			WF Adv			WF Adv
	VT Index Asset			VT Intl Eq,			VT Sm Cap Gro,
Year ended Dec. 31, 2012 (continued)	Alloc, Cl 2			Cl 2			Cl 2
Operations
Investment income (loss) — net	$	174,568		$	212,507		$	(634,902	)
Net realized gain (loss) on sales of investments		444,675			484,881			1,896,544
Distributions from capital gains		—			3,342,324			3,324,732
Net change in unrealized appreciation or depreciation of investments		2,874,271			1,919,681			517,703
Net increase (decrease) in net assets resulting from operations		3,493,514			5,959,393			5,104,077
Contract transactions
Contract purchase payments		389,069			809,505			2,092,593
Net transfers(1)		(887,854	)		(5,561,925	)		(8,471,009	)
Transfers for policy loans		20,469			13,017			8,772
Adjustments to net assets allocated to contracts in payment period		(24,177	)		(11,372	)		(7,386	)
Contract charges		(27,415	)		(81,498	)		(42,881	)
Contract terminations:
Surrender benefits		(3,922,474	)		(4,416,359	)		(6,882,720	)
Death benefits		(602,842	)		(470,603	)		(526,020	)
Increase (decrease) from contract transactions		(5,055,224	)		(9,719,235	)		(13,828,651	)
Net assets at beginning of year		30,454,363			53,181,287			71,998,102
Net assets at end of year	$	28,892,653		$	49,421,445		$	63,273,528
Accumulation unit activity
Units outstanding at beginning of year		23,245,624			48,128,062			51,889,028
Contract purchase payments		274,059			737,206			1,427,616
Net transfers(1)		(629,348	)		(4,697,260	)		(5,657,103	)
Transfers for policy loans		14,673			8,132			6,131
Contract charges		(19,462	)		(76,381	)		(28,740	)
Contract terminations:
Surrender benefits		(2,789,677	)		(3,662,056	)		(4,555,867	)
Death benefits		(431,141	)		(397,800	)		(357,461	)
Units outstanding at end of year		19,664,728			40,039,903			42,723,604

⁽¹⁾ Includes transfer activity from (to) other divisions and transfers from (to) RiverSource Life’s fixed account.

See accompanying notes to financial statements.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  61

Notes to Financial Statements

1.  ORGANIZATION

RiverSource Variable Account 10 (the Account) was established under Minnesota law as a segregated asset account of RiverSource Life Insurance Company (RiverSource Life). The Account is registered as a unit investment trust under the Investment Company Act of 1940, as amended (the 1940 Act) and exists in accordance with the rules and regulations of the Insurance Division, Department of Commerce of the State of Minnesota.

The Account is used as a funding vehicle for RiverSource Retirement Advisor Variable Annuity^® – Band 3 (RAVA Band 3) contracts issued by RiverSource Life.

The Account is comprised of various divisions. Each division invests exclusively in shares of the following funds or portfolios (collectively, the Funds), which are registered under the 1940 Act as open-end management investment companies. The name of each Fund offered through RAVA Band 3 contracts and the corresponding division name are provided below. There are various other divisions offered in the Account that are not available under RAVA Band 3 contracts. Each division is comprised of subaccounts. Individual variable annuity accounts invest in subaccounts. These financial statements are of the Divisions of the Account offered through RAVA Band 3.

Division	Fund
AB VPS Dyn Asset Alloc, Cl B	AllianceBernstein VPS Dynamic Asset Allocation Portfolio (Class B)
AB VPS Global Thematic Gro, Cl B	AllianceBernstein VPS Global Thematic Growth Portfolio (Class B)
AB VPS Gro & Inc, Cl B	AllianceBernstein VPS Growth and Income Portfolio (Class B)
AB VPS Intl Val, Cl B	AllianceBernstein VPS International Value Portfolio (Class B)
ALPS Alerian Engy Infr, Class III	ALPS/Alerian Energy Infrastructure Portfolio: Class III
AC VP Intl, Cl I	American Century VP International, Class I
AC VP Mid Cap Val, Cl II	American Century VP Mid Cap Value, Class II
AC VP Ultra, Cl II	American Century VP Ultra®, Class II
AC VP Val, Cl I	American Century VP Value, Class I
BlackRock Global Alloc, Cl III	BlackRock Global Allocation V.I. Fund (Class III)
Calvert VP SRI Bal	Calvert VP SRI Balanced Portfolio
Col VP Bal, Cl 3	Columbia Variable Portfolio – Balanced Fund (Class 3)
Col VP Cash Mgmt, Cl 3	Columbia Variable Portfolio – Cash Management Fund (Class 3)
Col VP Commodity Strategy, Cl 2	Columbia Variable Portfolio – Commodity Strategy Fund (Class 2)
Col VP Contrarian Core, Cl 2	Columbia Variable Portfolio – Contrarian Core Fund (Class 2)
Col VP Core Bond, Cl 2	Columbia Variable Portfolio – Core Bond Fund (Class 2)
Col VP Div Bond, Cl 3	Columbia Variable Portfolio – Diversified Bond Fund (Class 3)
Col VP Divd Opp, Cl 3	Columbia Variable Portfolio – Dividend Opportunity Fund (Class 3)
Col VP Emerg Mkts Bond, Cl 2	Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2)
Col VP Emer Mkts, Cl 3	Columbia Variable Portfolio – Emerging Markets Fund (Class 3)
Col VP Global Bond, Cl 3	Columbia Variable Portfolio – Global Bond Fund (Class 3)
Col VP Hi Yield Bond, Cl 3	Columbia Variable Portfolio – High Yield Bond Fund (Class 3)
Col VP Inc Opp, Cl 3	Columbia Variable Portfolio – Income Opportunities Fund (Class 3)
Col VP Intl Opp, Cl 3	Columbia Variable Portfolio – International Opportunity Fund (Class 3)
Col VP Lg Cap Gro, Cl 3	Columbia Variable Portfolio – Large Cap Growth Fund (Class 3)
Col VP Lg Core Quan, Cl 3	Columbia Variable Portfolio – Large Core Quantitative Fund (Class 3)
Col VP Marsico Gro, Cl 1	Columbia Variable Portfolio – Marsico Growth Fund (Class 1)
Col VP Marsico Intl Opp, Cl 2	Columbia Variable Portfolio – Marsico International Opportunities Fund (Class 2)
Col VP Mid Cap Gro Opp, Cl 3	Columbia Variable Portfolio – Mid Cap Growth Opportunity Fund (Class 3)
Col VP Mid Cap Val Opp, Cl 3	Columbia Variable Portfolio – Mid Cap Value Opportunity Fund (Class 3)
Col VP Multi-Strategy Alt, Cl 2	Columbia Variable Portfolio – Multi-Strategy Alternatives Fund (Class 2) (previously Variable Portfolio – Eaton Vance Global Macro Advantage Fund (Class 2))
Col VP S&P 500, Cl 3	Columbia Variable Portfolio – S&P 500 Index Fund (Class 3)
Col VP Select Lg Cap Val, Cl 3	Columbia Variable Portfolio – Select Large-Cap Value Fund (Class 3)
Col VP Select Sm Cap Val, Cl 3	Columbia Variable Portfolio – Select Smaller-Cap Value Fund (Class 3)
Col VP US Govt Mtge, Cl 3	Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 3)
CS Commodity Return	Credit Suisse Trust – Commodity Return Strategy Portfolio
DWS Alt Asset Alloc VIP, Cl B	DWS Alternative Asset Allocation VIP, Class B
EV VT Floating-Rate Inc	Eaton Vance VT Floating-Rate Income Fund
Fid VIP Contrafund, Serv Cl 2	Fidelity® VIP Contrafund® Portfolio Service Class 2
Fid VIP Gro & Inc, Serv Cl	Fidelity® VIP Growth & Income Portfolio Service Class
Fid VIP Mid Cap, Serv Cl	Fidelity® VIP Mid Cap Portfolio Service Class
Fid VIP Overseas, Serv Cl	Fidelity® VIP Overseas Portfolio Service Class
Fid VIP Strategic Inc, Serv Cl 2	Fidelity® VIP Strategic Income Portfolio Service Class 2
FTVIPT Frank Global Real Est, Cl 2	FTVIPT Franklin Global Real Estate VIP Fund – Class 2 (previously FTVIPT Franklin Global Real Estate Securities Fund – Class 2)
FTVIPT Frank Inc, Cl 2	FTVIPT Franklin Income VIP Fund – Class 2 (previously FTVIPT Franklin Income Securities Fund – Class 2)

62  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

Division	Fund
FTVIPT Frank Sm Cap Val, Cl 2	FTVIPT Franklin Small Cap Value VIP Fund – Class 2 (previously FTVIPT Franklin Small Cap Value Securities Fund – Class 2)
FTVIPT Temp Global Bond, Cl 2	FTVIPT Templeton Global Bond VIP Fund – Class 2 (previously FTVIPT Templeton Global Bond Securities Fund – Class 2)
GS VIT Mid Cap Val, Inst	Goldman Sachs VIT Mid Cap Value Fund – Institutional Shares
GS VIT Sm Cap Eq Insights, Inst	Goldman Sachs VIT Small Cap Equity Insights Fund – Institutional Shares (previously Goldman Sachs VIT Structured Small Cap Equity Fund – Institutional Shares)
GS VIT U.S. Eq Insights, Inst	Goldman Sachs VIT U.S. Equity Insights Fund – Institutional Shares (previously Goldman Sachs VIT Structured U.S. Equity Fund – Institutional Shares)
Invesco VI Am Fran, Ser I	Invesco V.I. American Franchise Fund, Series I Shares
Invesco VI Bal Risk Alloc, Ser II	Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares
Invesco VI Comstock, Ser II	Invesco V.I. Comstock Fund, Series II Shares
Invesco VI Global Hlth, Ser II	Invesco V.I. Global Health Care Fund, Series II Shares
Invesco VI Intl Gro, Ser II	Invesco V.I. International Growth Fund, Series II Shares
Invesco VI Mid Cap Gro, Ser I	Invesco V.I. Mid Cap Growth Fund, Series I Shares
Ivy VIP Asset Strategy	Ivy Funds VIP Asset Strategy
Janus Aspen Enterprise, Serv	Janus Aspen Series Enterprise Portfolio: Service Shares
Janus Aspen Flex Bond, Serv	Janus Aspen Series Flexible Bond Portfolio: Service Shares
Janus Aspen Gbl Alloc Mod, Serv	Janus Aspen Series Global Allocation Portfolio – Moderate: Service Shares
Janus Aspen Global Tech, Serv	Janus Aspen Series Global Technology Portfolio: Service Shares
Janus Aspen Janus, Serv	Janus Aspen Series Janus Portfolio: Service Shares
Janus Aspen Overseas, Serv	Janus Aspen Series Overseas Portfolio: Service Shares
Lazard Ret Global Dyn MA, Serv	Lazard Retirement Global Dynamic Multi Asset Portfolio – Service Shares (previously Lazard Retirement Multi-Asset Targeted Volatility Portfolio – Service Shares)
MFS Inv Gro Stock, Serv Cl	MFS® Investors Growth Stock Series – Service Class
MFS New Dis, Serv Cl	MFS® New Discovery Series – Service Class
MFS Utilities, Serv Cl	MFS® Utilities Series – Service Class
MS UIF Global Real Est, Cl II	Morgan Stanley UIF Global Real Estate Portfolio, Class II Shares
MS UIF Mid Cap Gro, Cl II	Morgan Stanley UIF Mid Cap Growth Portfolio, Class II Shares
NB AMT Intl Eq, Cl S	Neuberger Berman Advisers Management Trust International Equity Portfolio (Class S)
Oppen Global VA, Serv	Oppenheimer Global Fund/VA, Service Shares
Oppen Global Strategic Inc VA, Srv	Oppenheimer Global Strategic Income Fund/VA, Service Shares
Oppen Main St Sm Cap VA, Serv	Oppenheimer Main Street Small Cap Fund®/VA, Service Shares
PIMCO VIT All Asset, Advisor Cl	PIMCO VIT All Asset Portfolio, Advisor Class
PIMCO VIT Glb MA Man Alloc, Adv Cl	PIMCO VIT Global Multi-Asset Managed Allocation Portfolio, Advisor Class (previously PIMCO VIT Global Multi-Asset Portfolio, Advisor Class)
PIMCO VIT Tot Return, Advisor Cl	PIMCO VIT Total Return Portfolio, Advisor Class
Put VT Multi-Cap Gro, Cl IB	Putnam VT Multi-Cap Growth Fund – Class IB Shares
Royce Micro-Cap, Invest Cl	Royce Capital Fund – Micro-Cap Portfolio, Investment Class
Third Ave Val	Third Avenue Value Portfolio
VanEck VIP Global Gold, Cl S	Van Eck VIP Global Gold Fund (Class S Shares)
VP Aggr, Cl 2	Variable Portfolio – Aggressive Portfolio (Class 2)
VP Aggr, Cl 4	Variable Portfolio – Aggressive Portfolio (Class 4)
VP AQR Man Fut Strategy, Cl 2	Variable Portfolio – AQR Managed Futures Strategy Fund (Class 2)
VP BR Gl Infl Prot Sec, Cl 3	Variable Portfolio – BlackRock Global Inflation-Protected Securities Fund (Class 3)
VP Conserv, Cl 2	Variable Portfolio – Conservative Portfolio (Class 2)
VP Conserv, Cl 4	Variable Portfolio – Conservative Portfolio (Class 4)
VP GS Commodity Strategy, Cl 2	Variable Portfolio – Goldman Sachs Commodity Strategy Fund (Class 2)
VP Mod, Cl 2	Variable Portfolio – Moderate Portfolio (Class 2)
VP Mod, Cl 4	Variable Portfolio – Moderate Portfolio (Class 4)
VP Mod Aggr, Cl 2	Variable Portfolio – Moderately Aggressive Portfolio (Class 2)
VP Mod Aggr, Cl 4	Variable Portfolio – Moderately Aggressive Portfolio (Class 4)
VP Mod Conserv, Cl 2	Variable Portfolio – Moderately Conservative Portfolio (Class 2)
VP Mod Conserv, Cl 4	Variable Portfolio – Moderately Conservative Portfolio (Class 4)
VP Ptnrs Sm Cap Val, Cl 3	Variable Portfolio – Partners Small Cap Value Fund (Class 3)
VP Pyrford Intl Eq, Cl 2	Variable Portfolio – Pyrford International Equity Fund (Class 2)
VP Sit Divd Gro, Cl 3	Variable Portfolio – Sit Dividend Growth Fund (Class 3)
VP Vty Estb Val, Cl 3	Variable Portfolio – Victory Established Value Fund (Class 3)
Wanger Intl	Wanger International
Wanger USA	Wanger USA
WF Adv VT Index Asset Alloc, Cl 2	Wells Fargo Advantage VT Index Asset Allocation Fund – Class 2
WF Adv VT Intl Eq, Cl 2	Wells Fargo Advantage VT International Equity Fund – Class 2
WF Adv VT Sm Cap Gro, Cl 2	Wells Fargo Advantage VT Small Cap Growth Fund – Class 2
WA Var Global Hi Yd Bond, Cl II	Western Asset Variable Global High Yield Bond Portfolio – Class II

The assets of each division of the Account are not chargeable with liabilities arising out of the business conducted by any other segregated asset account or by RiverSource Life.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  63

RiverSource Life serves as issuer of the contract.

2.  SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Investments in the Funds

Investment transactions are accounted for on the date the shares are purchased and sold. Realized gains and losses on the sales of investments are computed using the average cost method. Income from dividends and gains from realized capital gain distributions are reinvested in additional shares of the Funds and are recorded as income by the divisions on the ex-dividend date.

Unrealized appreciation or depreciation of investments in the accompanying financial statements represents the division’s share of the Funds’ undistributed net investment income, undistributed realized gain or loss and the unrealized appreciation or depreciation on their investment securities.

The Account categorizes its fair value measurements according to a three-level hierarchy. This hierarchy prioritizes the inputs used by the Account to value investment securities. A level is assigned to each fair value measurement based on the lowest level input that is significant to the fair value measurement in its entirety. The three levels of the fair value hierarchy are defined as follows:

Level 1 – Unadjusted quoted prices for identical assets or liabilities in active markets that are accessible at the measurement date.

Level 2 – Prices or valuations based on observable inputs other than quoted prices in active markets for identical assets and liabilities.

Level 3 – Prices or valuations that require inputs that are both significant to the fair value measurement and unobservable.

The Funds in the Accounts have been assigned a Level 2 hierarchy, which indicates that the Funds are not considered to be active as there are few daily net asset values released publicly. Investments in shares of the Funds are stated at fair value which is the net asset value per share as determined by the respective Funds. There were no transfers between levels in the period ended Dec. 31, 2013.

Variable Payout

Net assets allocated to contracts in the payout period are periodically compared to a computation which uses the Annuity 2000 Basic Mortality Table and which assumes future mortality improvement. The assumed investment return is 3.5% or 5% based on the annuitant’s election, or as regulated by the laws of the respective states. The mortality risk is fully borne by RiverSource Life and may result in additional amounts being transferred into the variable annuity account by RiverSource Life to cover greater longevity of annuitants than expected. Conversely, if amounts allocated exceed amounts required, transfers may be made to the insurance company.

Federal Income Taxes

RiverSource Life is taxed as a life insurance company. The Account is treated as part of RiverSource Life for federal income tax purposes. Under existing federal income tax law, no income taxes are payable with respect to any investment income of the Account to the extent the earnings are credited under the contracts. Based on this, no charge is being made currently to the Account for federal income taxes. RiverSource Life will review periodically the status of this policy. In the event of changes in the tax law, a charge may be made in future years for any federal income taxes that would be attributable to the contracts.

Subsequent Events

Management has evaluated Account related events and transactions that occurred during the period from the date of the Statements of Assets and Liabilities through April 21, 2014. There were no events or transactions that occurred during the period that materially impacted the amounts or disclosures in the Account’s financial statements.

Use of Estimates

The preparation of financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the amounts reported in the financial statements. Actual results could differ from those estimates.

3.  VARIABLE ACCOUNT EXPENSES

For RAVA Band 3 contracts, RiverSource Life deducts a daily mortality and expense risk fee equal, on an annual basis, to 0.55% of the average daily net assets of each subaccount. The financial statements include other subaccounts that are not offered through RAVA Band 3 contracts.

64  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

4.  CONTRACT CHARGES

RiverSource Life deducts a contract administrative charge of $30 per year on the contract anniversary. This charge reimburses RiverSource Life for expenses incurred in establishing and maintaining the annuity records. Certain products may waive this charge based upon the underlying contract value.

Optional riders are available on this product and if selected, the related fees are deducted annually from the contract value on the contract anniversary. Additional information can be found in the product prospectus.

5.  SURRENDER CHARGES

There is no charge if you surrender all or part of your contract during the accumulation phase.

6. RELATED PARTY TRANSACTIONS

RiverSource Life is a wholly-owned subsidiary of Ameriprise Financial, Inc. (Ameriprise Financial).

The following table reflects fees paid by certain funds to Ameriprise Financial and its affiliates. Additional details about these asset based charges can be found in the respective Fund’s Annual Report.

Fee Agreement:	Fees Paid To:
Investment Management Services Agreement	Columbia Management Investment Advisers, LLC
Administrative Services Agreement	Columbia Management Investment Advisers, LLC
Transfer Agency and Servicing Agreement	Columbia Management Investment Services Corp.
Plan and Agreement of Distribution Pursuant to Rule 12b-1	Columbia Management Investment Distributors, Inc.

7. INVESTMENT TRANSACTIONS

The divisions’ purchases of Funds’ shares, including reinvestment of dividend distributions, for the year ended Dec. 31, 2013 were as follows:

Division	Purchases
AB VPS Dyn Asset Alloc, Cl B	$	3,717,677
AB VPS Global Thematic Gro, Cl B		1,336,874
AB VPS Gro & Inc, Cl B		5,115,606
AB VPS Intl Val, Cl B		16,452,834
ALPS Alerian Engy Infr, Class III		14,895,067
AC VP Intl, Cl I		692,215
AC VP Mid Cap Val, Cl II		11,069,222
AC VP Ultra, Cl II		2,453,003
AC VP Val, Cl I		2,429,703
BlackRock Global Alloc, Cl III		37,736,537
Calvert VP SRI Bal		4,560,435
Col VP Bal, Cl 3		34,656,786
Col VP Cash Mgmt, Cl 3		79,724,634
Col VP Commodity Strategy, Cl 2		667,213
Col VP Contrarian Core, Cl 2		8,788,722
Col VP Core Bond, Cl 2		1,660,664
Col VP Div Bond, Cl 3		86,981,826
Col VP Divd Opp, Cl 3		11,595,199
Col VP Emerg Mkts Bond, Cl 2		4,062,784
Col VP Emer Mkts, Cl 3		11,347,619
Col VP Global Bond, Cl 3		25,130,957
Col VP Hi Yield Bond, Cl 3		45,092,169
Col VP Inc Opp, Cl 3		54,218,153
Col VP Intl Opp, Cl 3		5,149,566
Col VP Lg Cap Gro, Cl 3		4,964,829
Col VP Lg Core Quan, Cl 3		3,618,749
Col VP Marsico Gro, Cl 1		3,443,866
Col VP Marsico Intl Opp, Cl 2		3,412,697
Col VP Mid Cap Gro Opp, Cl 3		2,522,393
Col VP Mid Cap Val Opp, Cl 3		6,725,321
Col VP Multi-Strategy Alt, Cl 2		4,702,484
Col VP S&P 500, Cl 3		23,404,143
Col VP Select Lg Cap Val, Cl 3		15,353,348
Col VP Select Sm Cap Val, Cl 3		4,971,818
Col VP US Govt Mtge, Cl 3		8,344,166
CS Commodity Return		3,922,981
DWS Alt Asset Alloc VIP, Cl B		19,274,870
EV VT Floating-Rate Inc		107,579,279
Fid VIP Contrafund, Serv Cl 2		21,138,415
Fid VIP Gro & Inc, Serv Cl		1,763,314
Fid VIP Mid Cap, Serv Cl		15,573,989
Fid VIP Overseas, Serv Cl		925,555
Fid VIP Strategic Inc, Serv Cl 2		14,037,425
FTVIPT Frank Global Real Est, Cl 2		14,433,457
FTVIPT Frank Inc, Cl 2	$	17,413,966
FTVIPT Frank Sm Cap Val, Cl 2		11,396,824
FTVIPT Temp Global Bond, Cl 2		19,001,473
GS VIT Mid Cap Val, Inst		22,340,657
GS VIT Sm Cap Eq Insights, Inst		1,368,251
GS VIT U.S. Eq Insights, Inst		4,897,724
Invesco VI Am Fran, Ser I		409,999
Invesco VI Bal Risk Alloc, Ser II		22,922,063
Invesco VI Comstock, Ser II		7,761,987
Invesco VI Global Hlth, Ser II		10,008,730
Invesco VI Intl Gro, Ser II		5,843,646
Invesco VI Mid Cap Gro, Ser I		440,382
Ivy VIP Asset Strategy		26,169,022
Janus Aspen Enterprise, Serv		390,450
Janus Aspen Flex Bond, Serv		7,732,043
Janus Aspen Gbl Alloc Mod, Serv		9,830,436
Janus Aspen Global Tech, Serv		1,021,808
Janus Aspen Janus, Serv		2,710,247
Janus Aspen Overseas, Serv		2,307,045
Lazard Ret Global Dyn MA, Serv		6,281,731
MFS Inv Gro Stock, Serv Cl		7,062,938
MFS New Dis, Serv Cl		2,459,245
MFS Utilities, Serv Cl		24,716,478
MS UIF Global Real Est, Cl II		9,634,452
MS UIF Mid Cap Gro, Cl II		5,593,223
NB AMT Intl Eq, Cl S		3,338,714
Oppen Global VA, Serv		11,994,524
Oppen Global Strategic Inc VA, Srv		47,354,454
Oppen Main St Sm Cap VA, Serv		10,929,641
PIMCO VIT All Asset, Advisor Cl		30,012,500
PIMCO VIT Glb MA Man Alloc, Adv Cl		3,982,670
PIMCO VIT Tot Return, Advisor Cl		8,739,196
Put VT Multi-Cap Gro, Cl IB		708,171
Royce Micro-Cap, Invest Cl		1,219,995

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  65

Division	Purchases
Third Ave Val		1,159,859
VanEck VIP Global Gold, Cl S		4,059,359
VP Aggr, Cl 2		237,229,061
VP Aggr, Cl 4		160,564,470
VP AQR Man Fut Strategy, Cl 2		6,701,254
VP BR Gl Infl Prot Sec, Cl 3		18,682,244
VP Conserv, Cl 2		105,371,943
VP Conserv, Cl 4		37,702,228
VP GS Commodity Strategy, Cl 2		1,662,802
VP Mod, Cl 2		679,966,450
VP Mod, Cl 4	$	438,551,256
VP Mod Aggr, Cl 2		570,288,525
VP Mod Aggr, Cl 4		250,224,191
VP Mod Conserv, Cl 2		177,425,266
VP Mod Conserv, Cl 4		61,358,539
VP Ptnrs Sm Cap Val, Cl 3		1,512,389
VP Pyrford Intl Eq, Cl 2		816,630
VP Sit Divd Gro, Cl 3		4,159,735
VP Vty Estb Val, Cl 3	$	2,733,012
Wanger Intl		37,587,588
Wanger USA		37,313,421
WF Adv VT Index Asset Alloc, Cl 2		1,727,418
WF Adv VT Intl Eq, Cl 2		4,878,757
WF Adv VT Sm Cap Gro, Cl 2		11,058,021
WA Var Global Hi Yd Bond, Cl II		3,513,549

8. ACCUMULATION UNIT VALUES, UNITS OUTSTANDING AND NET ASSETS

The following is a summary of accumulation unit values at Dec. 31, 2013:

	AB VPS		AB VPS Global		AB VPS		AB VPS		ALPS Alerian
	Dyn Asset Alloc,		Thematic Gro,		Gro & Inc,		Intl Val,		Engy Infr,
Subaccount	Cl B		Cl B		Cl B		Cl B		Class III
0.55%	$	1.07	$	1.34	$	1.79	$	1.91	$	1.07
0.60%		1.07		—		—		—		1.07
0.75%		1.07		1.32		1.74		1.87		1.07
0.85%		1.07		1.33		1.56		0.91		1.07
0.95%		1.07		1.30		1.70		1.82		1.06
1.00%		1.07		1.29		1.84		1.89		1.06
1.05%		1.07		1.31		1.54		0.90		1.06
1.10%		1.07		1.30		1.53		0.90		1.06
1.15%		1.07		—		—		—		1.06
1.20%		1.06		1.27		1.80		1.84		1.06
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		1.06		1.29		1.52		0.89		1.06
1.30%		1.06		1.28		1.51		0.88		1.06
1.35%		1.06		—		—		—		1.06
1.40%		1.06		—		—		—		1.06
1.45%		1.06		1.27		1.49		0.87		1.06
1.50%		1.06		—		—		—		1.06
1.55%		1.06		—		—		—		1.06
1.60%		1.06		—		—		—		1.06
1.65%		1.06		—		—		—		1.06
1.70%		1.06		—		—		—		1.06
1.75%		1.06		—		—		—		1.06
1.80%		1.06		—		—		—		1.06
1.85%		1.06		—		—		—		1.06
1.90%		1.06		—		—		—		1.06

66  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

	AC VP		AC VP		AC VP		AC VP		BlackRock
	Intl,		Mid Cap Val,		Ultra,		Val,		Global Alloc,
Subaccount	Cl I		Cl II		Cl II		Cl I		Cl III
0.55%	$	1.63	$	1.53	$	1.65	$	2.63	$	1.17
0.60%		—		—		—		—		1.17
0.75%		1.58		1.51		1.63		2.55		1.17
0.85%		—		1.86		1.69		—		1.17
0.95%		1.54		1.49		1.60		2.48		1.17
1.00%		—		1.48		1.59		—		1.17
1.05%		—		1.83		1.67		—		1.16
1.10%		—		1.82		1.66		—		1.16
1.15%		—		—		—		—		1.16
1.20%		—		1.46		1.57		—		1.16
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		1.80		1.64		—		1.16
1.30%		—		1.80		1.64		—		1.16
1.35%		—		—		—		—		1.16
1.40%		—		—		—		—		1.16
1.45%		—		1.78		1.62		—		1.16
1.50%		—		—		—		—		1.16
1.55%		—		—		—		—		1.15
1.60%		—		—		—		—		1.15
1.65%		—		—		—		—		1.15
1.70%		—		—		—		—		1.15
1.75%		—		—		—		—		1.15
1.80%		—		—		—		—		1.15
1.85%		—		—		—		—		1.15
1.90%		—		—		—		—		1.15

			Col		Col VP		Col VP		Col VP
	Calvert VP		VP Bal,		Cash Mgmt,		Commodity		Contrarian
Subaccount	SRI Bal		Cl 3		Cl 3		Strategy, Cl 2		Core, Cl 2
0.55%	$	1.47	$	1.70	$	1.21	$	0.93	$	1.22
0.60%		—		1.25		—		0.93		1.22
0.75%		1.43		1.65		1.18		0.93		1.21
0.85%		—		1.51		1.03		0.93		1.21
0.95%		1.39		1.61		1.15		0.93		1.21
1.00%		1.58		1.79		1.05		0.93		1.21
1.05%		—		1.48		1.02		0.93		1.21
1.10%		—		1.48		1.01		0.92		1.21
1.15%		—		1.25		—		0.92		1.21
1.20%		1.54		1.74		1.02		0.92		1.21
1.25%		—		—		—		—		—
1.25%		—		1.46		1.00		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		2.43		1.25		—		—
1.25%		—		—		—		0.92		1.21
1.30%		—		1.46		1.00		0.92		1.21
1.35%		—		1.56		—		0.92		1.21
1.40%		—		1.55		—		0.92		1.21
1.45%		—		1.44		0.99		0.92		1.21
1.50%		—		1.24		—		0.92		1.21
1.55%		—		1.55		—		0.92		1.21
1.60%		—		1.54		—		0.92		1.21
1.65%		—		1.54		—		0.92		1.21
1.70%		—		1.54		—		0.92		1.21
1.75%		—		1.54		—		0.92		1.21
1.80%		—		1.53		—		0.92		1.21
1.85%		—		1.23		—		0.92		1.20
1.90%		—		1.23		—		0.92		1.20

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  67

	Col VP		Col VP		Col VP		Col VP Emerg		Col VP
	Core Bond,		Div Bond,		Divd Opp,		Mkts Bond,		Emer Mkts,
Subaccount	Cl 2		Cl 3		Cl 3		Cl 2		Cl 3
0.55%	$	0.96	$	1.79	$	2.31	$	0.91	$	2.53
0.60%		0.95		—		—		0.91		—
0.75%		0.95		1.74		2.26		0.91		2.43
0.85%		0.95		1.35		1.40		0.90		1.58
0.95%		0.95		1.69		2.20		0.90		2.36
1.00%		0.95		1.48		2.23		0.90		3.14
1.05%		0.95		1.33		1.38		0.90		1.55
1.10%		0.95		1.33		1.37		0.90		1.55
1.15%		0.95		—		—		0.90		—
1.20%		0.95		1.45		2.16		0.90		3.07
1.25%		—		—		2.11		—		1.93
1.25%		—		1.31		1.36		—		1.53
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		1.82		—		—		—
1.25%		0.95		—		—		0.90		—
1.30%		0.95		1.31		1.35		0.90		1.53
1.35%		0.95		—		—		0.90		—
1.40%		0.95		—		—		0.90		—
1.45%		0.95		1.29		1.34		0.90		1.51
1.50%		0.95		—		—		0.90		—
1.55%		0.95		—		—		0.90		—
1.60%		0.95		—		—		0.90		—
1.65%		0.95		—		—		0.90		—
1.70%		0.95		—		—		0.90		—
1.75%		0.95		—		—		0.90		—
1.80%		0.95		—		—		0.90		—
1.85%		0.95		—		—		0.90		—
1.90%		0.95		—		—		0.90		—

	Col VP		Col VP		Col VP		Col VP		Col VP
	Global Bond,		Hi Yield Bond,		Inc Opp,		Intl Opp,		Lg Cap Gro,
Subaccount	Cl 3		Cl 3		Cl 3		Cl 3		Cl 3
0.55%	$	1.84	$	2.32	$	1.90	$	1.35	$	0.99
0.60%		—		—		—		—		—
0.75%		1.79		2.26		1.86		1.31		0.97
0.85%		1.30		1.76		1.73		1.36		1.49
0.95%		1.74		2.20		1.83		1.27		0.94
1.00%		1.69		2.34		1.82		1.99		1.52
1.05%		1.28		1.73		1.71		1.34		1.47
1.10%		1.28		1.73		1.70		1.34		1.47
1.15%		—		—		—		—		—
1.20%		1.65		2.28		1.79		1.95		1.48
1.25%		—		—		—		—		—
1.25%		1.26		1.71		—		1.32		—
1.25%		—		—		—		—		—
1.25%		1.84		2.42		—		—		—
1.25%		—		—		—		1.70		—
1.25%		—		—		1.68		—		1.45
1.30%		1.26		1.70		1.67		1.32		1.44
1.35%		—		—		—		—		—
1.40%		—		—		—		—		—
1.45%		1.24		1.68		1.65		1.30		1.43
1.50%		—		—		—		—		—
1.55%		—		—		—		—		—
1.60%		—		—		—		—		—
1.65%		—		—		—		—		—
1.70%		—		—		—		—		—
1.75%		—		—		—		—		—
1.80%		—		—		—		—		—
1.85%		—		—		—		—		—
1.90%		—		—		—		—		—

68  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

	Col VP		Col VP		Col VP		Col VP		Col VP
	Lg Core Quan,		Marsico Gro,		Marsico Intl		Mid Cap Gro		Mid Cap Val
Subaccount	Cl 3		Cl 1		Opp, Cl 2		Opp, Cl 3		Opp, Cl 3
0.55%	$	1.30	$	1.60	$	1.18	$	1.93	$	2.06
0.60%		—		—		1.22		—		—
0.75%		1.26		1.57		1.16		1.85		2.02
0.85%		1.51		1.67		1.30		1.59		1.61
0.95%		1.22		1.55		1.15		1.80		1.98
1.00%		1.55		1.55		1.14		1.86		1.97
1.05%		1.49		1.65		1.28		1.57		1.58
1.10%		1.48		1.64		1.28		1.56		1.58
1.15%		—		—		1.23		—		—
1.20%		1.65		1.52		1.12		1.81		1.94
1.25%		—		—		—		—		—
1.25%		1.46		—		—		1.54		—
1.25%		—		—		—		1.41		—
1.25%		—		—		—		—		—
1.25%		1.95		—		—		—		—
1.25%		—		1.62		1.26		—		1.56
1.30%		1.46		1.62		1.26		1.54		1.55
1.35%		—		—		1.39		—		—
1.40%		—		—		1.39		—		—
1.45%		1.44		1.60		1.24		1.52		1.54
1.50%		—		—		1.22		—		—
1.55%		—		—		1.38		—		—
1.60%		—		—		1.38		—		—
1.65%		—		—		1.37		—		—
1.70%		—		—		1.37		—		—
1.75%		—		—		1.37		—		—
1.80%		—		—		1.37		—		—
1.85%		—		—		1.22		—		—
1.90%		—		—		1.22		—		—

	Col VP		Col VP		Col VP		Col VP		Col VP
	Multi-Strategy		S&P 500,		Select Lg Cap		Select Sm Cap		US Govt Mtge,
Subaccount	Alt, Cl 2		Cl 3		Val, Cl 3		Val, Cl 3		Cl 3
0.55%	$	0.95	$	1.43	$	1.91	$	2.87	$	1.39
0.60%		0.95		1.34		—		—		—
0.75%		0.95		1.40		1.87		2.80		1.34
0.85%		0.95		1.59		1.61		1.72		1.09
0.95%		0.95		1.36		1.84		2.72		1.30
1.00%		0.95		1.79		1.83		2.61		1.13
1.05%		0.95		1.57		1.59		1.70		1.08
1.10%		0.95		1.56		1.58		1.69		1.07
1.15%		0.95		1.34		—		—		—
1.20%		0.95		1.75		1.79		2.55		1.11
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		0.95		1.54		1.56		1.67		1.06
1.30%		0.95		1.54		1.56		1.67		1.06
1.35%		0.95		1.75		—		—		—
1.40%		0.95		1.74		—		—		—
1.45%		0.94		1.52		1.54		1.65		1.05
1.50%		0.94		1.33		—		—		—
1.55%		0.94		1.73		—		—		—
1.60%		0.94		1.73		—		—		—
1.65%		0.94		1.73		—		—		—
1.70%		0.94		1.73		—		—		—
1.75%		0.94		1.72		—		—		—
1.80%		0.94		1.72		—		—		—
1.85%		0.94		1.32		—		—		—
1.90%		0.94		1.32		—		—		—

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  69

	CS		DWS Alt		EV VT		Fid VIP		Fid VIP
	Commodity		Asset Alloc		Floating-		Contrafund,		Gro & Inc,
Subaccount	Return		VIP, Cl B		Rate Inc		Serv Cl 2		Serv Cl
0.55%	$	0.78	$	1.00	$	1.32	$	1.57	$	1.72
0.60%		—		1.00		—		1.32		—
0.75%		0.77		1.00		1.30		1.54		1.67
0.85%		0.80		1.00		1.29		1.63		—
0.95%		0.75		1.00		1.28		1.52		1.62
1.00%		0.75		1.00		1.28		1.51		—
1.05%		0.79		1.00		1.27		1.60		—
1.10%		0.78		1.00		1.27		1.60		—
1.15%		—		0.99		—		1.32		—
1.20%		0.74		0.99		1.26		1.49		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		0.77		0.99		1.25		1.58		—
1.30%		0.77		0.99		1.25		1.57		—
1.35%		—		0.99		—		1.71		—
1.40%		—		0.99		—		1.70		—
1.45%		0.76		0.99		1.23		1.56		—
1.50%		—		0.99		—		1.31		—
1.55%		—		0.99		—		1.69		—
1.60%		—		0.99		—		1.69		—
1.65%		—		0.99		—		1.69		—
1.70%		—		0.99		—		1.69		—
1.75%		—		0.98		—		1.68		—
1.80%		—		0.98		—		1.68		—
1.85%		—		0.98		—		1.30		—
1.90%		—		0.98		—		1.30		—

	Fid VIP		Fid VIP		Fid VIP		FTVIPT Frank		FTVIPT
	Mid Cap,		Overseas,		Strategic Inc,		Global Real		Frank Inc,
Subaccount	Serv Cl		Serv Cl		Serv Cl 2		Est, Cl 2		Cl 2
0.55%	$	5.40	$	1.61	$	0.99	$	2.54	$	1.07
0.60%		—		—		0.99		—		1.07
0.75%		5.25		1.56		0.98		2.47		1.07
0.85%		—		—		0.98		0.93		1.07
0.95%		5.10		1.52		0.98		2.40		1.07
1.00%		—		—		0.98		1.79		1.07
1.05%		—		—		0.98		0.91		1.07
1.10%		—		—		0.98		0.91		1.07
1.15%		—		—		0.98		—		1.07
1.20%		—		—		0.98		1.75		1.07
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		0.98		0.89		1.07
1.30%		—		—		0.98		0.89		1.07
1.35%		—		—		0.98		—		1.07
1.40%		—		—		0.98		—		1.07
1.45%		—		—		0.98		0.88		1.07
1.50%		—		—		0.98		—		1.07
1.55%		—		—		0.98		—		1.07
1.60%		—		—		0.98		—		1.07
1.65%		—		—		0.98		—		1.06
1.70%		—		—		0.98		—		1.06
1.75%		—		—		0.98		—		1.06
1.80%		—		—		0.98		—		1.06
1.85%		—		—		0.98		—		1.06
1.90%		—		—		0.98		—		1.06

70  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

	FTVIPT Frank		FTVIPT		GS VIT		GS VIT		GS VIT
	Sm Cap		Temp Global		Mid Cap		Sm Cap Eq		U.S. Eq
Subaccount	Val, Cl 2		Bond, Cl 2		Val, Inst		Insights, Inst		Insights, Inst
0.55%	$	4.02	$	0.98	$	4.15	$	2.71	$	1.57
0.60%		1.44		0.98		—		—		—
0.75%		3.91		0.98		4.04		2.63		1.53
0.85%		1.73		0.98		—		—		1.48
0.95%		3.80		0.98		3.92		2.56		1.49
1.00%		2.88		0.98		2.89		—		1.79
1.05%		1.70		0.98		—		—		1.45
1.10%		1.70		0.98		—		—		1.45
1.15%		1.44		0.98		—		—		—
1.20%		2.81		0.98		2.82		—		1.75
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		1.68		0.98		—		—		1.43
1.30%		1.67		0.98		—		—		1.43
1.35%		1.94		0.98		—		—		—
1.40%		1.94		0.98		—		—		—
1.45%		1.66		0.98		—		—		1.41
1.50%		1.43		0.98		—		—		—
1.55%		1.93		0.98		—		—		—
1.60%		1.92		0.97		—		—		—
1.65%		1.92		0.97		—		—		—
1.70%		1.92		0.97		—		—		—
1.75%		1.91		0.97		—		—		—
1.80%		1.91		0.97		—		—		—
1.85%		1.43		0.97		—		—		—
1.90%		1.42		0.97		—		—		—

	Invesco VI		Invesco VI		Invesco VI		Invesco VI		Invesco VI
	Am Fran,		Bal Risk Alloc,		Comstock,		Global Hlth,		Intl Gro,
Subaccount	Ser I		Ser II		Ser II		Ser II		Ser II
0.55%	$	1.35	$	0.99	$	1.95	$	1.84	$	1.76
0.60%		—		0.99		—		—		—
0.75%		1.35		0.98		1.91		1.81		1.73
0.85%		—		0.98		1.57		1.90		1.53
0.95%		1.34		0.98		1.87		1.78		1.70
1.00%		—		0.98		1.87		1.78		1.69
1.05%		—		0.98		1.55		1.88		1.51
1.10%		—		0.98		1.54		1.87		1.50
1.15%		—		0.98		—		—		—
1.20%		—		0.98		1.83		1.75		1.67
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		0.98		1.53		1.85		1.49
1.30%		—		0.98		1.52		1.84		1.48
1.35%		—		0.98		—		—		—
1.40%		—		0.98		—		—		—
1.45%		—		0.98		1.50		1.82		1.47
1.50%		—		0.98		—		—		—
1.55%		—		0.98		—		—		—
1.60%		—		0.98		—		—		—
1.65%		—		0.98		—		—		—
1.70%		—		0.98		—		—		—
1.75%		—		0.98		—		—		—
1.80%		—		0.98		—		—		—
1.85%		—		0.98		—		—		—
1.90%		—		0.98		—		—		—

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  71

	Invesco				Janus Aspen		Janus Aspen		Janus Aspen
	VI Mid Cap		Ivy VIP		Enterprise,		Flex Bond,		Gbl Alloc Mod,
Subaccount	Gro, Ser I		Asset Strategy		Serv		Serv		Serv
0.55%	$	1.33	$	1.21	$	1.11	$	0.99	$	1.19
0.60%		—		1.21		—		0.99		1.19
0.75%		1.33		1.20		1.08		0.98		1.18
0.85%		—		1.20		—		0.98		1.18
0.95%		1.33		1.20		1.05		0.98		1.18
1.00%		1.32		1.20		—		0.98		1.18
1.05%		—		1.20		—		0.98		1.18
1.10%		—		1.20		—		0.98		1.18
1.15%		—		1.20		—		0.98		1.17
1.20%		1.32		1.20		—		0.98		1.17
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		1.20		—		0.98		1.17
1.30%		—		1.20		—		0.98		1.17
1.35%		—		1.20		—		0.98		1.17
1.40%		—		1.20		—		0.98		1.17
1.45%		—		1.20		—		0.98		1.17
1.50%		—		1.20		—		0.98		1.17
1.55%		—		1.20		—		0.98		1.17
1.60%		—		1.20		—		0.98		1.17
1.65%		—		1.20		—		0.98		1.16
1.70%		—		1.20		—		0.98		1.16
1.75%		—		1.20		—		0.98		1.16
1.80%		—		1.19		—		0.98		1.16
1.85%		—		1.19		—		0.98		1.16
1.90%		—		1.19		—		0.98		1.16

	Janus Aspen		Janus Aspen		Janus Aspen		Lazard Ret		MFS
	Global		Janus,		Overseas,		Global Dyn MA,		Inv Gro Stock,
Subaccount	Tech, Serv		Serv		Serv		Serv		Serv Cl
0.55%	$	0.82	$	1.39	$	1.57	$	1.13	$	1.14
0.60%		—		1.31		—		1.13		—
0.75%		0.80		1.38		1.53		1.12		1.11
0.85%		—		1.37		—		1.12		1.72
0.95%		0.78		1.36		1.49		1.12		1.08
1.00%		1.98		1.35		2.61		1.12		1.69
1.05%		—		1.35		—		1.12		1.70
1.10%		—		1.34		—		1.12		1.69
1.15%		—		1.30		—		1.12		—
1.20%		1.93		1.33		2.55		1.12		1.65
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		1.33		—		1.12		1.67
1.30%		—		1.33		—		1.12		1.66
1.35%		—		1.63		—		1.12		—
1.40%		—		1.63		—		1.12		—
1.45%		—		1.31		—		1.12		1.65
1.50%		—		1.29		—		1.12		—
1.55%		—		1.62		—		1.12		—
1.60%		—		1.62		—		1.12		—
1.65%		—		1.61		—		1.12		—
1.70%		—		1.61		—		1.12		—
1.75%		—		1.61		—		1.12		—
1.80%		—		1.61		—		1.12		—
1.85%		—		1.28		—		1.12		—
1.90%		—		1.28		—		1.12		—

72  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

	MFS		MFS		MS UIF		MS UIF		NB AMT
	New Dis,		Utilities,		Global Real		Mid Cap Gro,		Intl Eq,
Subaccount	Serv Cl		Serv Cl		Est, Cl II		Cl II		Cl S
0.55%	$	2.03	$	3.00	$	1.25	$	1.79	$	1.12
0.60%		—		1.28		—		1.26		—
0.75%		1.97		2.93		1.23		1.76		1.10
0.85%		—		2.03		1.28		1.91		1.23
0.95%		1.92		2.86		1.21		1.74		1.08
1.00%		2.28		3.56		1.20		1.73		1.08
1.05%		—		2.00		1.26		1.89		1.21
1.10%		—		1.99		1.25		1.88		1.21
1.15%		—		1.28		—		1.26		—
1.20%		2.23		3.47		1.19		1.70		1.06
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		1.97		1.24		1.86		1.19
1.30%		—		1.96		1.24		1.85		1.19
1.35%		—		1.63		—		1.67		—
1.40%		—		1.63		—		1.67		—
1.45%		—		1.94		1.22		1.83		1.17
1.50%		—		1.27		—		1.25		—
1.55%		—		1.62		—		1.66		—
1.60%		—		1.62		—		1.66		—
1.65%		—		1.61		—		1.66		—
1.70%		—		1.61		—		1.65		—
1.75%		—		1.61		—		1.65		—
1.80%		—		1.61		—		1.65		—
1.85%		—		1.26		—		1.25		—
1.90%		—		1.26		—		1.25		—

									PIMCO
	Oppen		Oppen Global		Oppen		PIMCO		VIT Glb
	Global VA,		Strategic Inc		Main St Sm Cap		VIT All Asset,		MA Man Alloc,
Subaccount	Serv		VA, Srv		VA, Serv		Advisor Cl		Adv Cl
0.55%	$	2.12	$	1.62	$	2.30	$	1.47	$	0.95
0.60%		1.34		0.97		1.43		1.07		0.95
0.75%		2.07		1.58		2.25		1.45		0.94
0.85%		1.58		1.47		1.73		1.47		0.94
0.95%		2.03		1.55		2.21		1.42		0.94
1.00%		2.02		1.55		2.20		1.42		0.94
1.05%		1.55		1.45		1.70		1.45		0.94
1.10%		1.55		1.44		1.69		1.45		0.94
1.15%		1.36		0.97		1.43		1.07		0.94
1.20%		1.98		1.51		2.16		1.40		0.94
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		1.53		1.43		1.68		1.43		0.94
1.30%		1.52		1.42		1.67		1.42		0.94
1.35%		1.60		0.97		1.90		1.19		0.93
1.40%		1.60		0.97		1.90		1.19		0.93
1.45%		1.51		1.41		1.65		1.41		0.93
1.50%		1.35		0.97		1.42		1.06		0.93
1.55%		1.59		0.97		1.89		1.18		0.93
1.60%		1.59		0.96		1.88		1.18		0.93
1.65%		1.58		0.96		1.88		1.18		0.93
1.70%		1.58		0.96		1.88		1.18		0.93
1.75%		1.58		0.96		1.87		1.18		0.93
1.80%		1.58		0.96		1.87		1.17		0.93
1.85%		1.34		0.96		1.42		1.05		0.93
1.90%		1.34		0.96		1.41		1.05		0.93

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  73

	PIMCO		Put VT		Royce				VanEck
	VIT Tot Return,		Multi-Cap		Micro-Cap,		Third		VIP Global
Subaccount	Advisor Cl		Gro, Cl IB		Invest Cl		Ave Val		Gold, Cl S
0.55%	$	0.96	$	1.68	$	4.55	$	3.44	$	0.77
0.60%		0.96		—		—		—		0.77
0.75%		0.96		1.67		4.42		3.34		0.77
0.85%		0.96		—		—		—		0.77
0.95%		0.96		1.66		4.30		3.24		0.77
1.00%		0.96		1.66		—		—		0.77
1.05%		0.96		—		—		—		0.77
1.10%		0.96		—		—		—		0.77
1.15%		0.96		—		—		—		0.77
1.20%		0.96		1.65		—		—		0.77
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		0.96		—		—		—		0.76
1.30%		0.96		—		—		—		0.76
1.35%		0.96		—		—		—		0.76
1.40%		0.96		—		—		—		0.76
1.45%		0.96		—		—		—		0.76
1.50%		0.96		—		—		—		0.76
1.55%		0.96		—		—		—		0.76
1.60%		0.96		—		—		—		0.76
1.65%		0.96		—		—		—		0.76
1.70%		0.96		—		—		—		0.76
1.75%		0.96		—		—		—		0.76
1.80%		0.96		—		—		—		0.76
1.85%		0.95		—		—		—		0.76
1.90%		0.95		—		—		—		0.76

	VP		VP		VP AQR		VP BR		VP
	Aggr,		Aggr,		Man Fut		Gl Infl Prot		Conserv,
Subaccount	Cl 2		Cl 4		Strategy, Cl 2		Sec, Cl 3		Cl 2
0.55%	$	1.47	$	1.47	$	1.03	$	1.34	$	1.18
0.60%		1.23		—		1.03		—		1.06
0.75%		1.46		1.46		1.03		1.32		1.17
0.85%		1.46		1.46		1.03		1.29		1.17
0.95%		1.45		1.45		1.03		1.30		1.16
1.00%		1.45		1.45		1.03		1.29		1.16
1.05%		1.44		1.45		1.03		1.27		1.16
1.10%		1.44		1.44		1.03		1.26		1.15
1.15%		1.23		—		1.03		—		1.05
1.20%		1.44		1.44		1.03		1.27		1.15
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		1.43		1.44		1.03		1.25		1.15
1.30%		1.43		1.43		1.03		1.24		1.15
1.35%		1.49		—		1.03		—		1.15
1.40%		1.48		—		1.03		—		1.15
1.45%		1.42		1.43		1.03		1.23		1.14
1.50%		1.22		—		1.03		—		1.04
1.55%		1.48		—		1.03		—		1.14
1.60%		1.47		—		1.03		—		1.14
1.65%		1.47		—		1.02		—		1.14
1.70%		1.47		—		1.02		—		1.14
1.75%		1.47		—		1.02		—		1.13
1.80%		1.46		—		1.02		—		1.13
1.85%		1.21		—		1.02		—		1.04
1.90%		1.21		—		1.02		—		1.04

74  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

	VP		VP GS		VP		VP		VP
	Conserv,		Commodity		Mod,		Mod,		Mod Aggr,
Subaccount	Cl 4		Strategy, Cl 2		Cl 2		Cl 4		Cl 2
0.55%	$	1.18	$	0.92	$	1.34	$	1.34	$	1.41
0.60%		—		0.92		1.14		—		1.18
0.75%		1.17		0.92		1.33		1.33		1.40
0.85%		1.16		0.92		1.32		1.32		1.39
0.95%		1.16		0.92		1.32		1.32		1.39
1.00%		1.16		0.92		1.31		1.32		1.39
1.05%		1.16		0.92		1.31		1.31		1.38
1.10%		1.15		0.92		1.31		1.31		1.38
1.15%		—		0.92		1.14		—		1.18
1.20%		1.15		0.92		1.30		1.31		1.37
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		1.15		0.92		1.30		1.30		1.37
1.30%		1.14		0.92		1.30		1.30		1.37
1.35%		—		0.92		1.32		—		1.40
1.40%		—		0.92		1.31		—		1.40
1.45%		1.14		0.92		1.29		1.29		1.36
1.50%		—		0.92		1.13		—		1.17
1.55%		—		0.92		1.31		—		1.39
1.60%		—		0.92		1.30		—		1.39
1.65%		—		0.92		1.30		—		1.39
1.70%		—		0.91		1.30		—		1.38
1.75%		—		0.91		1.30		—		1.38
1.80%		—		0.91		1.30		—		1.38
1.85%		—		0.91		1.12		—		1.17
1.90%		—		0.91		1.12		—		1.16

	VP Mod		VP Mod		VP Mod		VP Ptnrs		VP Pyrford
	Aggr,		Conserv,		Conserv,		Sm Cap Val,		Intl Eq,
Subaccount	Cl 4		Cl 2		Cl 4		Cl 3		Cl 2
0.55%	$	1.41	$	1.25	$	1.26	$	2.99	$	1.05
0.60%		—		1.10		—		—		1.05
0.75%		1.40		1.24		1.25		2.93		1.05
0.85%		1.39		1.24		1.24		1.71		1.05
0.95%		1.39		1.23		1.24		2.86		1.05
1.00%		1.39		1.23		1.23		2.69		1.05
1.05%		1.38		1.23		1.23		1.69		1.05
1.10%		1.38		1.23		1.23		1.68		1.05
1.15%		—		1.09		—		—		1.05
1.20%		1.38		1.22		1.23		2.63		1.05
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		1.37		1.22		1.22		1.66		1.05
1.30%		1.37		1.22		1.22		1.66		1.05
1.35%		—		1.23		—		—		1.05
1.40%		—		1.22		—		—		1.05
1.45%		1.36		1.21		1.21		1.64		1.05
1.50%		—		1.08		—		—		1.05
1.55%		—		1.22		—		—		1.05
1.60%		—		1.22		—		—		1.05
1.65%		—		1.21		—		—		1.05
1.70%		—		1.21		—		—		1.05
1.75%		—		1.21		—		—		1.05
1.80%		—		1.21		—		—		1.05
1.85%		—		1.08		—		—		1.04
1.90%		—		1.07		—		—		1.04

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  75

	VP Sit		VP Vty						WF Adv
	Divd Gro,		Estb Val,						VT Index Asset
Subaccount	Cl 3		Cl 3		Wanger Intl		Wanger USA		Alloc, Cl 2
0.55%	$	1.35	$	2.07	$	3.34	$	3.19	$	1.79
0.60%		—		—		—		—		—
0.75%		1.32		2.03		3.24		3.10		1.74
0.85%		1.35		1.73		1.76		1.76		—
0.95%		1.30		1.99		3.15		3.01		1.70
1.00%		1.29		1.98		3.79		2.68		1.79
1.05%		1.33		1.70		1.73		1.73		—
1.10%		1.32		1.70		1.73		1.73		—
1.15%		—		—		—		—		—
1.20%		1.27		1.94		3.70		2.61		1.74
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		1.31		1.68		1.71		1.71		—
1.30%		1.30		1.67		1.70		1.70		—
1.35%		—		—		—		—		—
1.40%		—		—		—		—		—
1.45%		1.29		1.65		1.68		1.68		—
1.50%		—		—		—		—		—
1.55%		—		—		—		—		—
1.60%		—		—		—		—		—
1.65%		—		—		—		—		—
1.70%		—		—		—		—		—
1.75%		—		—		—		—		—
1.80%		—		—		—		—		—
1.85%		—		—		—		—		—
1.90%		—		—		—		—		—

	WF Adv		WF Adv		WA Var
	VT Intl Eq,		VT Sm Cap Gro,		Global Hi Yd Bond,
Subaccount	Cl 2		Cl 2		Cl II
0.55%	$	1.66	$	2.29	$	1.02
0.60%		—		1.39		1.02
0.75%		1.62		2.24		1.02
0.85%		1.18		2.15		1.01
0.95%		1.59		2.18		1.01
1.00%		1.58		2.51		1.01
1.05%		1.16		2.12		1.01
1.10%		1.16		2.11		1.01
1.15%		—		1.39		1.01
1.20%		1.55		2.46		1.01
1.25%		—		—		—
1.25%		—		—		—
1.25%		—		—		—
1.25%		—		—		—
1.25%		—		—		—
1.25%		1.14		2.09		1.01
1.30%		1.14		2.08		1.01
1.35%		—		1.90		1.01
1.40%		—		1.89		1.01
1.45%		1.13		2.06		1.01
1.50%		—		1.38		1.01
1.55%		—		1.88		1.01
1.60%		—		1.88		1.01
1.65%		—		1.88		1.01
1.70%		—		1.87		1.01
1.75%		—		1.87		1.01
1.80%		—		1.87		1.01
1.85%		—		1.37		1.01
1.90%		—		1.37		1.01

76  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

The following is a summary of units outstanding at Dec. 31, 2013:

	AB VPS		AB VPS Global		AB VPS		AB VPS		ALPS Alerian
	Dyn Asset Alloc,		Thematic Gro,		Gro & Inc,		Intl Val,		Engy Infr,
Subaccount	Cl B		Cl B		Cl B		Cl B		Class III
0.55%		33,425		36,663		213,245		674,926		222,598
0.60%		—		—		—		—		—
0.75%		542,497		1,916,666		34,404,699		56,626,448		4,271,276
0.85%		215,288		1,789,940		5,716,933		19,928,623		2,030,257
0.95%		790,567		1,106,467		20,041,044		31,752,977		3,655,330
1.00%		70,361		201,093		3,346,421		6,770,909		374,182
1.05%		441,955		669,835		3,852,535		9,680,631		1,161,155
1.10%		112,240		644,347		1,459,165		7,466,937		938,290
1.15%		—		—		—		—		—
1.20%		432,601		309,386		1,713,863		3,099,221		543,410
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		47,844		36,903		202,001		857,172		64,946
1.30%		412,054		212,638		511,520		3,512,896		742,220
1.35%		21,876		—		—		—		247,044
1.40%		—		—		—		—		169,776
1.45%		95,121		32,511		175,493		664,122		141,187
1.50%		3,389		—		—		—		39,180
1.55%		59,955		—		—		—		12,608
1.60%		80,231		—		—		—		2,736
1.65%		76,432		—		—		—		5,495
1.70%		—		—		—		—		81,254
1.75%		—		—		—		—		—
1.80%		—		—		—		—		54,726
1.85%		—		—		—		—		1,661
1.90%		—		—		—		—		—
Total		3,435,836		6,956,449		71,636,919		141,034,862		14,759,331

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  77

	AC VP		AC VP		AC VP		AC VP		BlackRock
	Intl,		Mid Cap Val,		Ultra,		Val,		Global Alloc,
Subaccount	Cl I		Cl II		Cl II		Cl I		Cl III
0.55%		3,859		444,961		81,147		132,287		129,615
0.60%		—		—		—		—		—
0.75%		5,037,467		9,110,165		7,241,826		10,945,911		10,851,033
0.85%		—		6,113,439		3,082,654		—		4,564,703
0.95%		4,383,701		6,845,099		3,871,324		9,063,515		11,698,815
1.00%		—		1,161,090		1,136,999		—		1,890,192
1.05%		—		3,799,169		1,424,767		—		2,657,023
1.10%		—		1,986,609		597,537		—		1,895,920
1.15%		—		—		—		—		528
1.20%		—		599,068		769,989		—		1,905,560
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		301,705		104,998		—		267,712
1.30%		—		1,059,087		232,787		—		2,066,827
1.35%		—		—		—		—		656,523
1.40%		—		—		—		—		533,882
1.45%		—		241,112		75,284		—		437,558
1.50%		—		—		—		—		234,336
1.55%		—		—		—		—		124,081
1.60%		—		—		—		—		133,014
1.65%		—		—		—		—		93,512
1.70%		—		—		—		—		133,507
1.75%		—		—		—		—		113,787
1.80%		—		—		—		—		56,109
1.85%		—		—		—		—		—
1.90%		—		—		—		—		—
Total		9,425,027		31,661,504		18,619,312		20,141,713		40,444,237

			Col		Col VP				Col VP
	Calvert VP		VP Bal,		Cash Mgmt,		Col VP		Contrarian
Subaccount	SRI Bal		Cl 3		Cl 3		Commodity Strategy, Cl 2		Core, Cl 2
0.55%		2,030		428,160		441,040		—		41,895
0.60%		—		—		—		—		—
0.75%		10,738,250		45,324,733		76,751,499		148,220		1,941,418
0.85%		—		9,897,993		24,233,525		37,774		684,442
0.95%		5,639,034		33,040,143		50,331,334		149,750		2,047,602
1.00%		1,364,833		4,776,142		7,544,124		21,979		217,385
1.05%		—		6,120,730		17,103,140		25,068		575,891
1.10%		—		3,743,098		7,882,667		124,331		820,875
1.15%		—		34,908		—		—		—
1.20%		614,084		3,680,610		3,817,319		32,314		342,044
1.25%		—		—		—		—		—
1.25%		—		1,285,916		3,508,552		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		29,047,410		21,181,729		—		—
1.25%		—		—		—		4,479		3,115
1.30%		—		3,300,218		3,149,967		20,703		405,520
1.35%		—		241,575		—		16,413		351,958
1.40%		—		434,072		—		—		22,521
1.45%		—		918,337		2,677,593		48,880		85,295
1.50%		—		248,929		—		9,293		11,517
1.55%		—		241,887		—		10,529		7,006
1.60%		—		116,034		—		—		24,407
1.65%		—		66,819		—		—		—
1.70%		—		56,044		—		—		51,473
1.75%		—		3,507		—		—		—
1.80%		—		151,577		—		—		—
1.85%		—		—		—		—		—
1.90%		—		—		—		—		—
Total		18,358,231		143,158,842		218,622,489		649,733		7,634,364

78  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

	Col VP		Col VP		Col VP		Col VP Emerg		Col VP
	Core Bond,		Div Bond,		Divd Opp,		Mkts Bond,		Emer Mkts,
Subaccount	Cl 2		Cl 3		Cl 3		Cl 2		Cl 3
0.55%		—		1,573,983		1,443,327		42,504		738,228
0.60%		—		—		—		—		—
0.75%		250,226		145,968,227		144,917,097		791,612		33,012,921
0.85%		82,129		40,443,649		48,373,989		296,482		14,575,173
0.95%		427,542		107,141,245		87,068,770		1,137,402		18,676,510
1.00%		269,494		16,830,483		16,711,562		198,855		3,420,610
1.05%		84,309		28,282,390		22,806,814		339,626		6,986,717
1.10%		95,557		11,515,612		13,068,961		274,208		4,899,900
1.15%		—		—		—		—		—
1.20%		44,844		12,817,268		7,056,684		254,428		1,470,132
1.25%		—		—		38,256,264		—		21,919,236
1.25%		—		1,936,237		2,124,730		—		627,500
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		29,290,542		—		—		—
1.25%		27,233		—		—		18,437		—
1.30%		7,937		7,338,023		6,329,931		139,259		1,980,561
1.35%		95,401		—		—		61,453		—
1.40%		—		—		—		50,517		—
1.45%		88,392		3,067,502		1,869,260		152,167		506,049
1.50%		1,644		—		—		22,079		—
1.55%		—		—		—		9,778		—
1.60%		11,005		—		—		—		—
1.65%		—		—		—		8,302		—
1.70%		—		—		—		22,840		—
1.75%		—		—		—		—		—
1.80%		—		—		—		—		—
1.85%		—		—		—		—		—
1.90%		—		—		—		—		—
Total		1,485,713		406,205,161		390,027,389		3,819,949		108,813,537

	Col VP		Col VP		Col VP		Col VP		Col VP
	Global Bond,		Hi Yield Bond,		Inc Opp,		Intl Opp,		Lg Cap Gro,
Subaccount	Cl 3		Cl 3		Cl 3		Cl 3		Cl 3
0.55%		726,269		847,451		924,019		322,757		1,277,692
0.60%		—		—		—		—		—
0.75%		46,671,698		69,676,457		36,897,364		22,743,453		78,647,393
0.85%		15,294,167		16,768,897		13,238,160		3,325,870		4,264,061
0.95%		36,258,202		55,214,070		24,731,236		14,336,066		44,063,079
1.00%		5,125,333		5,972,368		4,372,639		1,525,751		4,170,561
1.05%		10,356,462		11,145,574		8,333,786		2,717,023		2,343,534
1.10%		3,332,346		4,679,746		4,478,196		1,182,727		923,478
1.15%		—		—		—		—		—
1.20%		4,069,099		4,733,794		3,285,616		805,782		1,990,788
1.25%		—		—		—		—		—
1.25%		710,921		622,377		—		135,655		—
1.25%		—		—		—		—		—
1.25%		9,072,816		17,662,553		—		—		—
1.25%		—		—		—		23,789,388		—
1.25%		—		—		532,287		—		182,749
1.30%		3,322,153		2,887,235		2,725,515		678,081		339,792
1.35%		—		—		—		—		—
1.40%		—		—		—		—		—
1.45%		972,464		1,517,281		978,537		207,015		133,117
1.50%		—		—		—		—		—
1.55%		—		—		—		—		—
1.60%		—		—		—		—		—
1.65%		—		—		—		—		—
1.70%		—		—		—		—		—
1.75%		—		—		—		—		—
1.80%		—		—		—		—		—
1.85%		—		—		—		—		—
1.90%		—		—		—		—		—
Total		135,911,930		191,727,803		100,497,355		71,769,568		138,336,244

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  79

	Col VP		Col VP		Col VP		Col VP		Col VP
	Lg Core Quan,		Marsico Gro,		Marsico Intl		Mid Cap Gro		Mid Cap Val
Subaccount	Cl 3		Cl 1		Opp, Cl 2		Opp, Cl 3		Opp, Cl 3
0.55%		386,318		711,358		579,455		90,107		370,369
0.60%		—		—		—		—		—
0.75%		136,764,590		44,030,520		12,640,676		18,999,781		17,693,501
0.85%		2,353,956		20,128,063		5,974,624		3,047,433		11,989,979
0.95%		69,471,893		25,062,254		8,265,950		10,975,579		10,346,290
1.00%		6,899,114		4,798,668		1,784,777		934,730		1,944,041
1.05%		1,928,267		9,541,972		3,412,366		1,715,703		6,339,310
1.10%		576,865		5,676,683		2,876,539		783,549		2,885,750
1.15%		—		—		8,131		—		—
1.20%		2,670,412		1,886,900		1,243,348		453,243		813,545
1.25%		—		—		—		—		—
1.25%		252,857		—		—		48,462		—
1.25%		—		—		—		21,171,891		—
1.25%		—		—		—		—		—
1.25%		70,869,516		—		—		—		—
1.25%		—		967,548		469,728		—		255,544
1.30%		324,600		2,678,197		1,439,038		320,472		1,701,802
1.35%		—		—		154,012		—		—
1.40%		—		—		104,729		—		—
1.45%		47,326		705,334		260,197		102,666		310,603
1.50%		—		—		94,066		—		—
1.55%		—		—		24,676		—		—
1.60%		—		—		8,790		—		—
1.65%		—		—		19,965		—		—
1.70%		—		—		14,472		—		—
1.75%		—		—		—		—		—
1.80%		—		—		1,497		—		—
1.85%		—		—		4,373		—		—
1.90%		—		—		—		—		—
Total		292,545,714		116,187,497		39,381,409		58,643,616		54,650,734

	Col VP		Col VP		Col VP		Col VP		Col VP
	Multi-Strategy		S&P 500,		Select Lg Cap		Select Sm Cap		US Govt Mtge,
Subaccount	Alt, Cl 2		Cl 3		Val, Cl 3		Val, Cl 3		Cl 3
0.55%		1,454		184,633		282,171		126,595		234,254
0.60%		—		—		—		—		—
0.75%		731,562		52,070,846		11,118,497		11,928,440		43,682,994
0.85%		392,784		8,859,840		3,251,653		2,064,671		12,118,365
0.95%		707,012		38,403,580		6,538,929		7,407,315		37,054,235
1.00%		270,524		4,282,116		851,162		961,026		5,201,111
1.05%		232,863		5,851,061		1,951,101		1,596,709		6,635,399
1.10%		975,570		2,861,976		655,618		895,597		2,506,529
1.15%		—		—		—		—		—
1.20%		251,584		3,312,104		709,550		424,235		5,295,317
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		28,185		301,836		90,312		65,304		1,028,925
1.30%		407,497		2,370,810		606,447		582,085		2,846,658
1.35%		166,723		558,234		—		—		—
1.40%		7,693		234,964		—		—		—
1.45%		229,493		538,366		181,512		111,438		2,034,761
1.50%		—		181,381		—		—		—
1.55%		10,429		74,795		—		—		—
1.60%		—		47,709		—		—		—
1.65%		11,331		74,328		—		—		—
1.70%		—		34,418		—		—		—
1.75%		—		1,620		—		—		—
1.80%		—		1,219		—		—		—
1.85%		—		41,331		—		—		—
1.90%		—		—		—		—		—
Total		4,424,704		120,287,167		26,236,952		26,163,415		118,638,548

80  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

	CS		DWS Alt		EV VT		Fid VIP		Fid VIP
	Commodity		Asset Alloc		Floating-		Contrafund,		Gro & Inc,
Subaccount	Return		VIP, Cl B		Rate Inc		Serv Cl 2		Serv Cl
0.55%		634,551		160,058		3,677,516		1,860,554		70,890
0.60%		—		—		—		—		—
0.75%		24,974,136		8,509,738		86,779,198		116,340,577		19,828,940
0.85%		7,282,930		2,058,311		31,136,190		43,929,013		—
0.95%		17,008,393		6,628,984		65,552,627		76,647,141		16,171,409
1.00%		4,635,600		764,131		12,780,521		14,815,507		—
1.05%		4,965,811		2,147,604		20,465,908		27,056,518		—
1.10%		4,239,162		1,593,377		14,511,356		16,549,685		—
1.15%		—		—		—		74,222		—
1.20%		1,744,332		896,476		8,258,579		10,325,002		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		504,384		143,119		2,311,793		3,127,013		—
1.30%		1,860,422		808,045		9,644,700		9,783,848		—
1.35%		—		349,176		—		1,059,982		—
1.40%		—		176,815		—		578,926		—
1.45%		583,210		59,578		4,207,192		2,772,474		—
1.50%		—		147,419		—		678,018		—
1.55%		—		32,036		—		204,716		—
1.60%		—		45,710		—		23,819		—
1.65%		—		37,288		—		206,291		—
1.70%		—		94,661		—		110,135		—
1.75%		—		10,295		—		24,799		—
1.80%		—		79,595		—		53,246		—
1.85%		—		3,498		—		6,338		—
1.90%		—		—		—		75,403		—
Total		68,432,931		24,745,914		259,325,580		326,303,227		36,071,239

	Fid VIP		Fid VIP		Fid VIP		FTVIPT Frank		FTVIPT
	Mid Cap,		Overseas,		Strategic Inc,		Global Real		Frank Inc,
Subaccount	Serv Cl		Serv Cl		Serv Cl 2		Est, Cl 2		Cl 2
0.55%		104,298		25,471		59,329		181,732		25,236
0.60%		—		—		—		—		—
0.75%		13,332,152		7,618,699		4,174,230		28,481,823		4,290,407
0.85%		—		—		1,039,482		12,528,702		1,815,484
0.95%		10,285,095		5,705,426		2,729,351		17,379,755		4,628,527
1.00%		—		—		787,550		4,215,947		385,652
1.05%		—		—		1,696,303		5,560,970		1,379,171
1.10%		—		—		687,204		4,374,807		778,295
1.15%		—		—		—		—		—
1.20%		—		—		529,846		2,259,936		864,417
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		206,364		613,698		34,675
1.30%		—		—		450,988		2,790,984		1,173,674
1.35%		—		—		146,555		—		344,241
1.40%		—		—		118,390		—		109,538
1.45%		—		—		310,805		476,668		361,248
1.50%		—		—		61,253		—		87,110
1.55%		—		—		—		—		89,520
1.60%		—		—		25,942		—		32,429
1.65%		—		—		—		—		59,472
1.70%		—		—		40,528		—		53,635
1.75%		—		—		—		—		9,805
1.80%		—		—		—		—		24,909
1.85%		—		—		—		—		15,223
1.90%		—		—		—		—		—
Total		23,721,545		13,349,596		13,064,120		78,865,022		16,562,668

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  81

	FTVIPT Frank		FTVIPT		GS VIT		GS VIT		GS VIT
	Sm Cap		Temp Global		Mid Cap		Sm Cap Eq		U.S. Eq
Subaccount	Val, Cl 2		Bond, Cl 2		Val, Inst		Insights, Inst		Insights, Inst
0.55%		285,901		107,729		405,726		1,498		466,232
0.60%		—		—		—		—		—
0.75%		19,201,834		5,645,855		35,668,714		1,852,136		52,165,528
0.85%		10,845,891		1,816,439		—		—		5,862,737
0.95%		12,771,646		5,007,340		22,012,033		1,369,573		32,151,100
1.00%		3,322,866		1,092,324		5,598,468		—		4,260,997
1.05%		4,555,687		1,370,003		—		—		3,364,406
1.10%		3,110,028		1,199,930		—		—		1,064,257
1.15%		41,950		—		—		—		—
1.20%		1,922,180		680,639		2,896,284		—		2,113,213
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		247,112		135,235		—		—		374,118
1.30%		1,707,972		1,027,416		—		—		639,557
1.35%		205,254		176,212		—		—		—
1.40%		72,827		14,468		—		—		—
1.45%		366,939		509,789		—		—		155,607
1.50%		160,984		75,496		—		—		—
1.55%		88,784		2,074		—		—		—
1.60%		5,762		13,704		—		—		—
1.65%		42,268		—		—		—		—
1.70%		10,993		34,179		—		—		—
1.75%		2,357		15,537		—		—		—
1.80%		2,606		—		—		—		—
1.85%		—		7,866		—		—		—
1.90%		6,201		54,427		—		—		—
Total		58,978,042		18,986,662		66,581,225		3,223,207		102,617,752

	Invesco VI		Invesco VI		Invesco VI		Invesco VI		Invesco VI
	Am Fran,		Bal Risk Alloc,		Comstock,		Global Hlth,		Intl Gro,
Subaccount	Ser I		Ser II		Ser II		Ser II		Ser II
0.55%		60,341		130,478		556,857		149,344		249,253
0.60%		—		—		—		—		—
0.75%		7,020,721		3,988,687		58,838,794		8,251,351		22,445,860
0.85%		—		1,390,915		11,837,681		4,341,807		9,421,534
0.95%		4,650,093		4,138,669		30,111,650		5,335,397		15,539,343
1.00%		—		2,114,998		10,383,599		1,041,812		2,224,869
1.05%		—		962,998		5,920,507		2,552,858		5,562,233
1.10%		—		2,660,796		3,585,087		1,246,441		2,808,994
1.15%		—		4,890		—		—		—
1.20%		—		2,301,172		4,815,746		366,768		959,104
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		183,733		592,820		114,631		344,088
1.30%		—		2,124,450		1,957,483		576,830		1,187,351
1.35%		—		866,249		—		—		—
1.40%		—		164,694		—		—		—
1.45%		—		619,831		442,336		157,525		256,183
1.50%		—		102,232		—		—		—
1.55%		—		97,373		—		—		—
1.60%		—		149,404		—		—		—
1.65%		—		14,578		—		—		—
1.70%		—		6,325		—		—		—
1.75%		—		—		—		—		—
1.80%		—		25,730		—		—		—
1.85%		—		106,761		—		—		—
1.90%		—		—		—		—		—
Total		11,731,155		22,154,963		129,042,560		24,134,764		60,998,812

82  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

	Invesco				Janus Aspen		Janus Aspen		Janus Aspen
	VI Mid Cap		Ivy VIP		Enterprise,		Flex Bond,		Gbl Alloc Mod,
Subaccount	Gro, Ser I		Asset Strategy		Serv		Serv		Serv
0.55%		87,374		141,987		28,675		385		617
0.60%		—		—		—		—		—
0.75%		7,533,653		5,618,988		9,787,432		2,585,068		2,094,260
0.85%		—		2,673,518		—		776,061		2,322,824
0.95%		5,337,071		5,338,816		4,876,954		1,771,718		1,944,161
1.00%		95,094		614,038		—		329,064		19,637
1.05%		—		1,366,255		—		453,821		755,262
1.10%		—		1,754,405		—		298,823		90,266
1.15%		—		—		—		—		—
1.20%		122,896		1,386,537		—		243,025		67,571
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		435,783		—		61,115		29,823
1.30%		—		1,461,053		—		198,715		42,016
1.35%		—		950,426		—		64,158		2,898
1.40%		—		204,755		—		2,410		95,103
1.45%		—		713,445		—		187,182		55,094
1.50%		—		103,208		—		2,416		193,000
1.55%		—		110,319		—		27,135		14,954
1.60%		—		15,607		—		18,391		33,471
1.65%		—		17,708		—		—		—
1.70%		—		17,783		—		27,315		—
1.75%		—		—		—		—		—
1.80%		—		77,723		—		46,560		4,519
1.85%		—		—		—		612		—
1.90%		—		—		—		—		—
Total		13,176,088		23,002,354		14,693,061		7,093,974		7,765,476

	Janus Aspen		Janus Aspen		Janus Aspen				MFS
	Global		Janus,		Overseas,		Lazard Ret		Inv Gro Stock,
Subaccount	Tech, Serv		Serv		Serv		Global Dyn MA, Serv		Serv Cl
0.55%		102,756		327,888		238,610		6,051		179,703
0.60%		—		—		—		—		—
0.75%		15,145,821		13,620,535		20,939,775		847,173		34,701,701
0.85%		—		9,620,021		—		369,776		2,972,430
0.95%		8,911,896		9,101,678		15,967,317		1,416,297		22,333,349
1.00%		238,687		1,655,878		509,015		183,187		2,728,221
1.05%		—		3,669,342		—		296,681		2,329,177
1.10%		—		2,391,234		—		388,554		1,367,052
1.15%		—		14,023		—		—		—
1.20%		93,372		904,329		240,109		396,588		1,177,888
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		240,381		—		266,913		368,337
1.30%		—		1,286,860		—		435,859		551,606
1.35%		—		105,813		—		140,396		—
1.40%		—		3,788		—		—		—
1.45%		—		365,737		—		300,468		377,383
1.50%		—		58,654		—		3,314		—
1.55%		—		28,417		—		63,839		—
1.60%		—		4,748		—		—		—
1.65%		—		26,743		—		—		—
1.70%		—		198		—		71,586		—
1.75%		—		—		—		—		—
1.80%		—		3,611		—		—		—
1.85%		—		—		—		—		—
1.90%		—		—		—		—		—
Total		24,492,532		43,429,878		37,894,826		5,186,682		69,086,847

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  83

	MFS		MFS		MS UIF		MS UIF		NB AMT
	New Dis,		Utilities,		Global Real		Mid Cap Gro,		Intl Eq,
Subaccount	Serv Cl		Serv Cl		Est, Cl II		Cl II		Cl S
0.55%		173,018		684,387		343,083		191,938		274,887
0.60%		—		—		—		—		—
0.75%		17,288,804		32,639,813		17,893,097		8,492,630		6,179,076
0.85%		—		16,808,461		7,322,854		4,661,268		3,017,423
0.95%		12,729,592		22,160,880		11,018,247		6,523,120		3,804,801
1.00%		1,486,596		3,101,219		3,051,894		1,101,457		484,010
1.05%		—		9,699,287		4,395,107		2,465,071		1,851,213
1.10%		—		5,179,394		3,090,362		1,412,257		1,135,062
1.15%		—		17,993		—		4,481		—
1.20%		924,216		2,644,364		1,547,125		932,916		236,554
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		504,492		305,891		229,167		94,290
1.30%		—		3,269,191		1,677,480		894,569		485,832
1.35%		—		330,470		—		253,396		—
1.40%		—		449,982		—		44,400		—
1.45%		—		858,770		469,793		197,511		75,448
1.50%		—		687,933		—		72,634		—
1.55%		—		173,557		—		20,176		—
1.60%		—		44,116		—		9,014		—
1.65%		—		137,463		—		17,883		—
1.70%		—		109,280		—		7,559		—
1.75%		—		13,952		—		3,782		—
1.80%		—		38,028		—		1,379		—
1.85%		—		6,380		—		—		—
1.90%		—		—		—		—		—
Total		32,602,226		99,559,412		51,114,933		27,536,608		17,638,596

	Oppen		Oppen Global		Oppen		PIMCO		PIMCO
	Global VA,		Strategic Inc		Main St Sm Cap		VIT All Asset,		VIT Glb MA Man
Subaccount	Serv		VA, Srv		VA, Serv		Advisor Cl		Alloc, Adv Cl
0.55%		442,644		2,994,493		336,922		413,885		3,635
0.60%		—		—		—		—		—
0.75%		19,742,925		148,190,933		12,452,866		48,560,726		1,413,260
0.85%		7,967,846		47,077,569		6,264,775		18,682,436		286,191
0.95%		13,330,057		106,841,426		8,650,590		40,274,604		1,373,023
1.00%		3,950,256		19,656,371		2,573,907		6,420,109		68,159
1.05%		5,861,185		34,192,904		5,141,136		13,849,038		493,404
1.10%		2,733,837		17,015,541		2,685,253		6,988,555		207,318
1.15%		2,631		5,237		—		11,971		—
1.20%		2,553,521		13,581,313		1,577,226		7,333,581		331,741
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		828,108		3,075,689		335,898		2,030,192		2,056
1.30%		1,769,604		12,311,811		1,566,595		5,512,323		260,038
1.35%		631,915		187,262		254,428		576,275		126,600
1.40%		102,394		—		63,451		767,864		326,452
1.45%		600,397		4,996,850		246,933		1,856,636		143,919
1.50%		100,839		51,861		171,046		520,703		90,230
1.55%		271,323		50,595		46,720		305,643		10,525
1.60%		7,579		89,819		10,041		38,378		383
1.65%		42,511		—		11,387		235,787		173,197
1.70%		735		118,811		16,404		57,880		—
1.75%		9,269		—		11,358		71,837		—
1.80%		403		134,126		17,251		—		—
1.85%		—		—		3,791		—		—
1.90%		—		—		—		—		—
Total		60,949,979		410,572,611		42,437,978		154,508,423		5,310,131

84  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

	PIMCO		Put VT		Royce				VanEck
	VIT Tot Return,		Multi-Cap		Micro-Cap,		Third		VIP Global
Subaccount	Advisor Cl		Gro, Cl IB		Invest Cl		Ave Val		Gold, Cl S
0.55%		—		29,782		22,877		27,466		179,759
0.60%		—		—		—		—		—
0.75%		1,912,106		10,339,848		3,723,121		4,460,308		1,091,165
0.85%		661,238		—		—		—		1,000,896
0.95%		2,682,809		6,713,018		3,219,472		4,083,529		856,368
1.00%		321,648		311,447		—		—		113,265
1.05%		882,445		—		—		—		252,443
1.10%		575,568		—		—		—		355,267
1.15%		—		—		—		—		—
1.20%		263,942		106,693		—		—		183,769
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		8,508		—		—		—		4,837
1.30%		192,798		—		—		—		97,019
1.35%		170,357		—		—		—		50,706
1.40%		—		—		—		—		14,520
1.45%		345,247		—		—		—		17,519
1.50%		15,886		—		—		—		33,884
1.55%		—		—		—		—		11,671
1.60%		4,179		—		—		—		4,958
1.65%		—		—		—		—		—
1.70%		103,715		—		—		—		5,953
1.75%		—		—		—		—		1,970
1.80%		—		—		—		—		—
1.85%		51,587		—		—		—		—
1.90%		—		—		—		—		—
Total		8,192,033		17,500,788		6,965,470		8,571,303		4,275,969

	VP		VP		VP AQR		VP BR		VP
	Aggr,		Aggr,		Man Fut		Gl Infl Prot		Conserv,
Subaccount	Cl 2		Cl 4		Strategy, Cl 2		Sec, Cl 3		Cl 2
0.55%		1,803,429		15,408,105		32,160		580,816		3,556,651
0.60%		—		—		—		—		—
0.75%		68,357,750		183,069,445		2,181,161		51,051,924		66,474,381
0.85%		319,087,360		528,533,899		700,302		13,180,080		111,142,061
0.95%		205,762,465		80,004,157		1,428,417		33,721,575		134,759,352
1.00%		8,078,517		17,227,933		576,120		5,974,743		7,732,328
1.05%		16,912,506		159,290,377		437,470		8,189,469		28,494,694
1.10%		37,096,951		97,108,852		424,112		3,340,798		24,423,916
1.15%		53,240		—		—		—		12,116
1.20%		112,246,586		5,047,711		183,715		4,527,942		106,271,817
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		1,961,765		4,445,019		135,035		683,285		3,851,848
1.30%		15,758,104		23,978,592		207,860		4,076,839		34,449,535
1.35%		2,832,884		—		52,335		—		11,470,875
1.40%		5,796,993		—		—		—		11,122,466
1.45%		5,712,630		1,478,146		89,404		1,279,982		16,283,131
1.50%		821,198		—		7,035		—		2,053,465
1.55%		952,664		—		16,706		—		6,888,746
1.60%		686,889		—		—		—		1,407,935
1.65%		3,725,205		—		4,979		—		7,705,933
1.70%		177,003		—		41,710		—		4,785,894
1.75%		426,498		—		—		—		1,245,598
1.80%		81,428		—		—		—		1,789,035
1.85%		213,820		—		1,748		—		347,760
1.90%		—		—		—		—		633,698
Total		808,545,885		1,115,592,236		6,520,269		126,607,453		586,903,235

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  85

	VP		VP GS		VP		VP		VP
	Conserv,		Commodity		Mod,		Mod,		Mod Aggr,
Subaccount	Cl 4		Strategy, Cl 2		Cl 2		Cl 4		Cl 2
0.55%		3,064,154		8,104		3,851,033		13,901,433		3,380,178
0.60%		—		—		2,977		—		—
0.75%		116,673,040		358,662		402,208,094		1,191,617,641		232,061,925
0.85%		337,162,178		148,783		1,702,393,310		3,816,276,640		1,171,460,980
0.95%		91,675,971		407,786		1,372,194,229		704,893,507		755,349,545
1.00%		10,572,011		123,317		42,675,994		133,360,695		20,638,645
1.05%		196,119,319		119,024		138,149,545		1,507,229,180		75,414,944
1.10%		107,856,984		215,153		205,380,154		964,701,532		135,654,305
1.15%		—		—		1,110,580		—		258,471
1.20%		11,689,237		85,869		970,843,490		63,550,239		448,742,530
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		11,517,943		13,915		18,016,513		37,695,089		8,502,772
1.30%		62,281,239		24,054		159,138,274		384,776,392		69,593,918
1.35%		—		31,856		48,448,039		—		18,699,996
1.40%		—		15,927		53,838,139		—		22,020,459
1.45%		21,050,407		64,618		79,490,788		32,385,545		33,555,316
1.50%		—		12,301		16,381,759		—		6,261,263
1.55%		—		9,392		17,611,534		—		4,584,187
1.60%		—		—		12,126,983		—		2,981,658
1.65%		—		—		26,063,197		—		10,785,745
1.70%		—		—		6,419,669		—		1,060,198
1.75%		—		—		2,584,737		—		1,729,560
1.80%		—		—		1,885,199		—		698,366
1.85%		—		—		1,607,080		—		241,904
1.90%		—		—		71,115		—		24,875
Total		969,662,483		1,638,761		5,282,492,432		8,850,387,893		3,023,701,740

	VP Mod		VP Mod		VP Mod		VP Ptnrs		VP Pyrford
	Aggr,		Conserv,		Conserv,		Sm Cap Val,		Intl Eq,
Subaccount	Cl 4		Cl 2		Cl 4		Cl 3		Cl 2
0.55%		22,673,841		1,477,104		4,236,965		316,662		2,525
0.60%		—		—		—		—		—
0.75%		710,239,245		154,600,269		329,683,790		25,397,431		128,054
0.85%		1,972,689,028		329,278,791		860,888,302		6,596,237		217,300
0.95%		336,824,068		370,453,853		235,162,394		13,581,281		89,811
1.00%		63,186,812		15,571,004		38,870,792		2,954,931		103,784
1.05%		667,632,564		54,918,018		413,495,006		3,252,515		67,226
1.10%		350,986,089		50,122,880		275,867,832		1,526,399		45,135
1.15%		—		573,201		—		—		—
1.20%		17,092,250		236,975,668		23,129,695		1,346,403		35,905
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		19,986,755		6,354,223		18,523,241		196,625		18,082
1.30%		103,308,973		56,872,239		148,675,499		632,584		7,642
1.35%		—		19,853,002		—		—		30,202
1.40%		—		20,160,389		—		—		5,098
1.45%		7,967,822		26,091,975		29,448,220		222,890		24,692
1.50%		—		5,751,484		—		—		1,944
1.55%		—		9,948,318		—		—		—
1.60%		—		4,450,509		—		—		—
1.65%		—		9,672,893		—		—		—
1.70%		—		3,417,078		—		—		—
1.75%		—		5,180,552		—		—		—
1.80%		—		2,005,245		—		—		—
1.85%		—		972,374		—		—		—
1.90%		—		183,823		—		—		—
Total		4,272,587,447		1,384,884,892		2,377,981,736		56,023,958		777,400

86  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

	VP Sit		VP Vty						WF Adv
	Divd Gro,		Estb Val,						VT Index Asset
Subaccount	Cl 3		Cl 3		Wanger Intl		Wanger USA		Alloc, Cl 2
0.55%		183,098		173,183		918,120		597,500		4,600
0.60%		—		—		—		—		—
0.75%		12,078,245		3,576,302		46,512,891		59,077,509		8,989,863
0.85%		8,303,863		1,482,592		20,183,296		17,494,133		—
0.95%		6,309,572		2,014,239		27,964,929		36,896,876		6,210,755
1.00%		830,901		387,341		5,243,288		9,057,172		1,040,014
1.05%		3,439,214		1,020,798		11,210,444		9,333,380		—
1.10%		1,631,307		303,363		5,571,895		4,824,078		—
1.15%		—		—		—		—		—
1.20%		560,338		168,432		2,380,087		3,703,916		445,359
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		177,061		79,500		697,854		833,731		—
1.30%		1,056,622		135,586		2,678,350		2,163,085		—
1.35%		—		—		—		—		—
1.40%		—		—		—		—		—
1.45%		249,773		36,311		560,450		440,247		—
1.50%		—		—		—		—		—
1.55%		—		—		—		—		—
1.60%		—		—		—		—		—
1.65%		—		—		—		—		—
1.70%		—		—		—		—		—
1.75%		—		—		—		—		—
1.80%		—		—		—		—		—
1.85%		—		—		—		—		—
1.90%		—		—		—		—		—
Total		34,819,994		9,377,647		123,921,604		144,421,627		16,690,591

	WF Adv		WF Adv		WA Var
	VT Intl Eq,		VT Sm Cap Gro,		Global Hi Yd Bond,
Subaccount	Cl 2		Cl 2		Cl II
0.55%		165,766		110,399		16,929
0.60%		—		—		—
0.75%		11,281,818		12,946,277		811,212
0.85%		5,763,104		6,303,540		257,729
0.95%		7,647,771		8,749,970		770,302
1.00%		1,887,949		1,414,696		73,920
1.05%		2,392,394		4,071,424		258,697
1.10%		1,595,619		1,683,680		233,699
1.15%		—		—		—
1.20%		1,077,516		1,039,903		46,657
1.25%		—		—		—
1.25%		—		—		—
1.25%		—		—		—
1.25%		—		—		—
1.25%		—		—		—
1.25%		204,120		253,217		7,793
1.30%		985,506		1,041,589		230,219
1.35%		—		262,984		26,119
1.40%		—		37,029		114,004
1.45%		220,775		301,116		44,939
1.50%		—		134,110		—
1.55%		—		27,338		—
1.60%		—		7,570		4,118
1.65%		—		34,597		7,758
1.70%		—		92,442		98,627
1.75%		—		—		—
1.80%		—		40,398		—
1.85%		—		—		6,386
1.90%		—		—		—
Total		33,222,338		38,552,279		3,009,108

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  87

The following is a summary of net assets at Dec. 31, 2013:

	AB VPS		AB VPS Global		AB VPS		AB VPS		ALPS Alerian
	Dyn Asset Alloc,		Thematic Gro,		Gro & Inc,		Intl Val,		Engy Infr,
Subaccount	Cl B		Cl B		Cl B		Cl B		Class III
0.55%	$	35,765	$	49,003	$	380,819	$	1,298,366	$	237,723
0.60%		79		—		—		—		81
0.75%		579,635		2,526,946		60,006,361		105,834,558		4,555,122
0.85%		229,857		2,374,109		8,954,320		18,204,658		2,163,723
0.95%		843,450		1,435,115		34,127,059		58,024,140		3,892,905
1.00%		75,075		259,806		6,159,945		12,784,156		398,367
1.05%		471,176		875,204		5,940,110		8,768,290		1,235,765
1.10%		119,618		839,238		2,238,045		6,693,160		998,247
1.15%		78		—		—		—		81
1.20%		460,700		393,102		3,097,364		5,722,063		577,730
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		50,933		47,503		306,124		759,225		69,025
1.30%		438,501		272,546		772,814		3,101,609		788,549
1.35%		23,350		—		—		—		262,376
1.40%		78		—		—		—		180,251
1.45%		101,116		41,206		262,172		583,558		149,845
1.50%		3,678		—		—		—		41,569
1.55%		63,755		—		—		—		13,372
1.60%		85,194		—		—		—		2,981
1.65%		81,131		—		—		—		5,905
1.70%		78		—		—		—		86,089
1.75%		78		—		—		—		80
1.80%		78		—		—		—		57,943
1.85%		78		—		—		—		1,839
1.90%		78		—		—		—		80
Total	$	3,663,559	$	9,113,778	$	122,245,133	$	221,773,783	$	15,719,648

88  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

	AC VP		AC VP		AC VP		AC VP		BlackRock
	Intl,		Mid Cap Val,		Ultra,		Val,		Global Alloc,
Subaccount	Cl I		Cl II		Cl II		Cl I		Cl III
0.55%	$	6,288	$	679,237	$	134,219	$	347,252	$	152,164
0.60%		—		—		—		—		89
0.75%		8,026,748		13,727,191		11,795,612		28,107,956		13,109,282
0.85%		—		11,369,159		5,217,383		—		5,331,613
0.95%		6,763,883		10,226,842		6,196,600		22,740,346		13,778,447
1.00%		—		1,720,105		1,812,302		—		2,202,082
1.05%		—		6,977,554		2,375,053		—		3,092,845
1.10%		—		3,625,266		992,415		—		2,205,213
1.15%		—		—		—		—		702
1.20%		—		875,639		1,207,512		—		2,212,440
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		544,277		172,192		—		310,558
1.30%		—		1,903,758		380,740		—		2,395,618
1.35%		—		—		—		—		760,311
1.40%		—		—		—		—		617,752
1.45%		—		428,484		122,103		—		505,869
1.50%		—		—		—		—		270,703
1.55%		—		—		—		—		143,210
1.60%		—		—		—		—		153,388
1.65%		—		—		—		—		107,750
1.70%		—		—		—		—		153,704
1.75%		—		—		—		—		130,881
1.80%		—		—		—		—		64,488
1.85%		—		—		—		—		87
1.90%		—		—		—		—		77
Total	$	14,796,919	$	52,077,512	$	30,406,131	$	51,195,554	$	47,699,273

			Col		Col VP				Col VP
	Calvert VP		VP Bal,		Cash Mgmt,		Col VP		Contrarian
Subaccount	SRI Bal		Cl 3		Cl 3		Commodity Strategy, Cl 2		Core, Cl 2
0.55%	$	2,987	$	727,947	$	535,302	$	71	$	50,957
0.60%		—		13		—		71		12
0.75%		15,430,988		75,738,116		90,582,351		137,405		2,357,292
0.85%		—		14,906,381		25,007,375		35,014		830,489
0.95%		7,897,857		53,914,520		57,785,540		138,629		2,482,677
1.00%		2,159,294		8,614,426		7,886,814		20,340		263,483
1.05%		—		9,164,696		17,384,772		23,190		697,737
1.10%		—		5,531,471		7,981,039		114,976		994,173
1.15%		—		43,552		—		71		12
1.20%		948,748		6,415,197		3,894,233		29,862		413,965
1.25%		—		—		—		—		—
1.25%		—		1,879,189		3,513,228		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		72,603,184		26,697,670		—		—
1.25%		—		—		—		4,208		3,780
1.30%		—		4,803,118		3,141,580		19,118		490,421
1.35%		—		376,004		—		15,151		425,487
1.40%		—		674,523		—		71		27,217
1.45%		—		1,321,985		2,640,935		45,089		103,040
1.50%		—		308,701		—		8,641		13,909
1.55%		—		373,869		—		9,706		8,469
1.60%		—		179,037		—		71		29,465
1.65%		—		102,937		—		71		12
1.70%		—		86,181		—		71		62,079
1.75%		—		5,399		—		71		12
1.80%		—		232,312		—		71		12
1.85%		—		13		—		71		12
1.90%		—		13		—		71		12
Total	$	26,439,874	$	258,002,784	$	247,050,839	$	602,110	$	9,254,724

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  89

	Col VP		Col VP		Col VP		Col VP Emerg		Col VP
	Core Bond,		Div Bond,		Divd Opp,		Mkts Bond,		Emer Mkts,
Subaccount	Cl 2		Cl 3		Cl 3		Cl 2		Cl 3
0.55%	$	72	$	2,839,576	$	3,365,141	$	38,528	$	1,920,090
0.60%		72		—		—		68		—
0.75%		238,713		255,217,907		328,931,357		716,556		80,150,712
0.85%		78,289		54,818,006		67,627,249		268,170		23,044,144
0.95%		407,381		182,686,023		192,180,058		1,028,037		44,293,275
1.00%		256,624		24,945,993		37,195,399		179,671		10,765,764
1.05%		80,251		37,792,496		31,424,927		306,741		10,912,769
1.10%		90,926		15,324,208		17,929,184		247,570		7,591,264
1.15%		72		—		—		68		—
1.20%		42,640		18,584,522		15,274,948		229,557		4,519,810
1.25%		—		—		81,989,075		—		42,548,581
1.25%		—		2,565,285		2,880,611		—		961,330
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		54,869,143		—		—		—
1.25%		25,886		—		—		16,627		—
1.30%		7,613		9,607,098		8,547,137		125,545		3,021,958
1.35%		90,690		—		—		55,403		—
1.40%		72		—		—		45,508		—
1.45%		83,899		3,980,394		2,496,048		137,032		763,599
1.50%		1,631		—		—		19,945		—
1.55%		72		—		—		8,868		—
1.60%		10,434		—		—		68		—
1.65%		72		—		—		7,533		—
1.70%		72		—		—		20,530		—
1.75%		72		—		—		133		—
1.80%		72		—		—		68		—
1.85%		72		—		—		68		—
1.90%		72		—		—		68		—
Total	$	1,415,769	$	663,230,651	$	789,841,134	$	3,452,362	$	230,493,296

	Col VP		Col VP		Col VP		Col VP		Col VP
	Global Bond,		Hi Yield Bond,		Inc Opp,		Intl Opp,		Lg Cap Gro,
Subaccount	Cl 3		Cl 3		Cl 3		Cl 3		Cl 3
0.55%	$	1,339,104	$	1,969,770	$	1,753,783	$	434,981	$	1,259,816
0.60%		—		—		—		—		—
0.75%		83,583,220		157,763,112		68,818,949		29,919,368		76,428,508
0.85%		19,906,826		29,541,218		22,932,193		4,531,112		6,368,268
0.95%		63,173,796		121,904,793		45,299,818		18,437,285		41,588,344
1.00%		8,654,281		13,956,711		7,961,875		3,043,009		6,339,725
1.05%		13,273,058		19,328,507		14,224,600		3,644,626		3,447,112
1.10%		4,248,585		8,096,813		7,608,635		1,580,931		1,365,319
1.15%		—		—		—		—		—
1.20%		6,710,080		11,014,087		5,875,370		1,568,878		2,963,360
1.25%		—		—		—		—		—
1.25%		896,345		1,063,267		—		179,236		—
1.25%		—		—		—		—		—
1.25%		16,984,494		43,727,611		—		—		—
1.25%		—		—		—		41,162,781		—
1.25%		—		—		894,000		—		264,397
1.30%		4,172,155		4,913,456		4,560,613		892,800		490,538
1.35%		—		—		—		—		—
1.40%		—		—		—		—		—
1.45%		1,207,786		2,553,057		1,702,070		269,431		190,013
1.50%		—		—		—		—		—
1.55%		—		—		—		—		—
1.60%		—		—		—		—		—
1.65%		—		—		—		—		—
1.70%		—		—		—		—		—
1.75%		—		—		—		—		—
1.80%		—		—		—		—		—
1.85%		—		—		—		—		—
1.90%		—		—		—		—		—
Total	$	224,149,730	$	415,832,402	$	181,631,906	$	105,664,438	$	140,705,400

90  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

	Col VP		Col VP		Col VP		Col VP		Col VP
	Lg Core Quan,		Marsico Gro,		Marsico Intl		Mid Cap Gro		Mid Cap Val
Subaccount	Cl 3		Cl 1		Opp, Cl 2		Opp, Cl 3		Opp, Cl 3
0.55%	$	500,215	$	1,137,606	$	684,546	$	173,677	$	762,993
0.60%		—		—		94		—		—
0.75%		173,002,757		69,373,765		14,730,042		35,323,695		35,798,731
0.85%		3,553,649		33,734,411		7,817,005		4,843,280		19,291,813
0.95%		86,180,947		39,087,805		9,593,935		19,979,080		20,536,176
1.00%		10,725,603		7,413,994		2,037,070		1,735,551		3,857,374
1.05%		2,867,307		15,745,609		4,376,980		2,685,964		10,065,250
1.10%		854,500		9,328,454		3,676,083		1,232,737		4,555,691
1.15%		—		—		10,014		—		—
1.20%		4,424,951		2,870,695		1,401,427		837,120		1,608,912
1.25%		—		—		—		—		—
1.25%		370,382		—		—		74,740		—
1.25%		—		—		—		30,195,929		—
1.25%		—		—		—		—		—
1.25%		141,587,287		—		—		—		—
1.25%		—		1,572,422		593,510		—		398,776
1.30%		473,683		4,334,783		1,811,652		492,218		2,645,939
1.35%		—		—		214,098		—		—
1.40%		—		—		145,240		—		—
1.45%		68,081		1,128,703		323,840		155,974		477,466
1.50%		—		—		115,152		—		—
1.55%		—		—		34,045		—		—
1.60%		—		—		12,106		—		—
1.65%		—		—		27,451		—		—
1.70%		—		—		19,863		—		—
1.75%		—		—		89		—		—
1.80%		—		—		2,136		—		—
1.85%		—		—		5,414		—		—
1.90%		—		—		93		—		—
Total	$	424,609,362	$	185,728,247	$	47,631,885	$	97,729,965	$	99,999,121

	Col VP		Col VP		Col VP		Col VP		Col VP
	Multi-Strategy		S&P 500,		Select Lg Cap		Select Sm Cap		US Govt Mtge,
Subaccount	Alt, Cl 2		Cl 3		Val, Cl 3		Val, Cl 3		Cl 3
0.55%	$	1,393	$	277,005	$	539,701	$	362,701	$	324,446
0.60%		10		14		—		—		—
0.75%		694,863		73,419,723		20,874,628		33,401,682		58,831,057
0.85%		372,827		14,097,751		5,243,578		3,561,325		13,263,343
0.95%		670,591		52,788,821		12,025,580		20,180,626		48,418,622
1.00%		256,503		7,666,051		1,556,681		2,508,954		5,900,457
1.05%		220,705		9,200,745		3,100,668		2,712,694		7,186,400
1.10%		924,321		4,469,063		1,037,362		1,515,815		2,692,235
1.15%		10		11		—		—		—
1.20%		238,191		5,788,590		1,272,017		1,081,240		5,862,071
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		26,676		466,048		141,370		109,292		1,092,894
1.30%		385,513		3,646,039		945,300		970,641		3,011,195
1.35%		157,674		974,916		—		—		—
1.40%		7,270		409,661		—		—		—
1.45%		216,875		818,791		279,733		183,631		2,155,646
1.50%		10		240,958		—		—		—
1.55%		9,858		129,736		—		—		—
1.60%		9		82,597		—		—		—
1.65%		10,703		128,480		—		—		—
1.70%		10		59,383		—		—		—
1.75%		10		2,807		—		—		—
1.80%		10		2,113		—		—		—
1.85%		10		54,572		—		—		—
1.90%		10		14		—		—		—
Total	$	4,194,052	$	174,723,889	$	47,016,618	$	66,588,601	$	148,738,366

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  91

	CS		DWS Alt		EV VT		Fid VIP		Fid VIP
	Commodity		Asset Alloc		Floating-		Contrafund,		Gro & Inc,
Subaccount	Return		VIP, Cl B		Rate Inc		Serv Cl 2		Serv Cl
0.55%	$	553,143	$	160,823	$	4,866,295	$	2,915,327	$	121,686
0.60%		—		79		—		137		—
0.75%		19,132,586		8,525,338		113,216,658		180,253,870		33,147,089
0.85%		5,806,160		2,088,942		40,163,502		71,637,079		—
0.95%		12,850,924		6,713,430		84,422,104		117,016,437		26,323,536
1.00%		3,483,608		761,879		16,341,534		22,440,398		—
1.05%		3,940,787		2,148,660		26,004,821		43,438,431		—
1.10%		3,316,267		1,585,830		18,367,370		26,455,022		—
1.15%		—		78		—		97,779		—
1.20%		1,290,932		890,719		10,398,535		15,426,737		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		390,207		142,078		2,892,963		4,960,000		—
1.30%		1,433,557		801,495		12,025,333		15,405,333		—
1.35%		—		346,040		—		1,808,819		—
1.40%		—		175,081		—		986,083		—
1.45%		444,621		58,941		5,186,601		4,316,574		—
1.50%		—		145,726		—		887,806		—
1.55%		—		31,642		—		346,890		—
1.60%		—		45,107		—		40,350		—
1.65%		—		36,766		—		348,351		—
1.70%		—		93,262		—		185,656		—
1.75%		—		10,134		—		41,732		—
1.80%		—		78,280		—		89,450		—
1.85%		—		3,515		—		8,382		—
1.90%		—		77		—		98,049		—
Total	$	52,642,792	$	24,843,922	$	333,885,716	$	509,204,692	$	59,592,311

	Fid VIP		Fid VIP		Fid VIP		FTVIPT Frank		FTVIPT
	Mid Cap,		Overseas,		Strategic Inc,		Global Real		Frank Inc,
Subaccount	Serv Cl		Serv Cl		Serv Cl 2		Est, Cl 2		Cl 2
0.55%	$	582,525	$	40,958	$	58,516	$	467,474	$	27,094
0.60%		—		—		73		—		80
0.75%		70,404,632		11,930,167		4,111,109		70,561,589		4,599,384
0.85%		—		—		1,023,010		11,598,005		1,944,839
0.95%		53,286,132		8,765,779		2,684,316		41,917,243		4,954,668
1.00%		—		—		774,220		7,540,206		412,677
1.05%		—		—		1,666,948		5,072,164		1,475,261
1.10%		—		—		675,082		3,974,125		832,228
1.15%		—		—		73		—		79
1.20%		—		—		520,115		3,977,003		923,637
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		202,502		545,999		37,038
1.30%		—		—		442,382		2,497,472		1,253,158
1.35%		—		—		143,707		—		367,424
1.40%		—		—		116,048		—		116,865
1.45%		—		—		304,543		417,920		385,292
1.50%		—		—		59,998		—		92,875
1.55%		—		—		73		—		95,354
1.60%		—		—		25,391		—		34,550
1.65%		—		—		73		—		63,414
1.70%		—		—		39,640		—		57,101
1.75%		—		—		73		—		10,435
1.80%		—		—		73		—		26,577
1.85%		—		—		73		—		16,267
1.90%		—		—		73		—		79
Total	$	124,273,289	$	20,736,904	$	12,848,111	$	148,569,200	$	17,726,376

92  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

	FTVIPT Frank		FTVIPT		GS VIT		GS VIT		GS VIT
	Sm Cap		Temp Global		Mid Cap		Sm Cap Eq		U.S. Eq
Subaccount	Val, Cl 2		Bond, Cl 2		Val, Inst		Insights, Inst		Insights, Inst
0.55%	$	1,150,539	$	105,839	$	1,685,248	$	4,056	$	754,527
0.60%		113		98		—		—		—
0.75%		75,247,575		5,538,794		144,788,442		4,871,944		80,364,862
0.85%		18,771,064		1,780,678		—		—		8,653,505
0.95%		48,796,168		4,905,279		86,656,731		3,537,282		47,925,778
1.00%		9,564,207		1,069,648		16,153,560		—		7,615,300
1.05%		7,766,242		1,341,118		—		—		4,898,204
1.10%		5,282,015		1,174,166		—		—		1,541,381
1.15%		60,513		98		—		—		—
1.20%		5,402,451		665,587		8,160,482		—		3,688,143
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		415,773		132,186		—		—		535,971
1.30%		2,857,299		1,003,886		—		—		912,587
1.35%		398,509		172,113		—		—		—
1.40%		141,146		14,224		—		—		—
1.45%		608,142		497,569		—		—		219,566
1.50%		230,813		73,660		—		—		—
1.55%		171,069		2,120		—		—		—
1.60%		11,089		13,361		—		—		—
1.65%		81,214		97		—		—		—
1.70%		21,086		33,299		—		—		—
1.75%		4,646		15,131		—		—		—
1.80%		5,115		97		—		—		—
1.85%		111		7,752		—		—		—
1.90%		8,830		53,045		—		—		—
Total	$	176,995,729	$	18,599,845	$	257,444,463	$	8,413,282	$	157,109,824

	Invesco VI		Invesco VI		Invesco VI		Invesco VI		Invesco VI
	Am Fran,		Bal Risk Alloc,		Comstock,		Global Hlth,		Intl Gro,
Subaccount	Ser I		Ser II		Ser II		Ser II		Ser II
0.55%	$	81,689	$	128,627	$	1,086,256	$	274,349	$	438,308
0.60%		—		74		—		—		—
0.75%		9,500,174		3,926,453		112,555,734		14,939,220		38,877,920
0.85%		—		1,368,193		18,635,366		8,293,607		14,440,732
0.95%		6,281,369		4,068,308		56,535,482		9,621,198		26,460,827
1.00%		—		2,078,181		19,365,919		1,850,199		3,770,413
1.05%		—		945,998		9,171,204		4,795,571		8,398,586
1.10%		—		2,612,564		5,532,739		2,329,268		4,225,143
1.15%		—		4,873		—		—		—
1.20%		—		2,257,799		8,819,898		641,347		1,598,483
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		180,206		904,089		211,719		511,757
1.30%		—		2,082,903		2,975,728		1,061,698		1,759,298
1.35%		—		849,131		—		—		—
1.40%		—		161,356		—		—		—
1.45%		—		607,042		664,423		286,766		377,768
1.50%		—		100,087		—		—		—
1.55%		—		95,296		—		—		—
1.60%		—		146,161		—		—		—
1.65%		—		14,257		—		—		—
1.70%		—		6,184		—		—		—
1.75%		—		73		—		—		—
1.80%		—		25,205		—		—		—
1.85%		—		104,327		—		—		—
1.90%		—		73		—		—		—
Total	$	15,863,232	$	21,763,371	$	236,246,838	$	44,304,942	$	100,859,235

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  93

	Invesco				Janus Aspen		Janus Aspen		Janus Aspen
	VI Mid Cap		Ivy VIP		Enterprise,		Flex Bond,		Gbl Alloc Mod,
Subaccount	Gro, Ser I		Asset Strategy		Serv		Serv		Serv
0.55%	$	116,570	$	171,202	$	31,695	$	453	$	823
0.60%		—		89		—		74		90
0.75%		10,075,387		6,885,430		10,528,302		2,545,674		2,680,862
0.85%		—		3,216,597		—		763,693		2,742,730
0.95%		7,094,989		6,418,636		5,105,109		1,762,055		2,312,650
1.00%		125,914		737,952		—		323,596		23,129
1.05%		—		1,641,380		—		445,939		888,717
1.10%		—		2,106,948		—		293,528		106,127
1.15%		—		89		—		73		89
1.20%		162,184		1,663,806		—		238,540		79,313
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		522,773		—		60,087		34,976
1.30%		—		1,752,093		—		194,905		49,230
1.35%		—		1,139,330		—		62,905		3,482
1.40%		—		245,363		—		2,435		111,245
1.45%		—		854,623		—		183,395		64,389
1.50%		—		123,586		—		2,439		225,385
1.55%		—		132,054		—		26,566		17,447
1.60%		—		18,764		—		18,072		39,110
1.65%		—		21,270		—		73		89
1.70%		—		21,263		—		26,713		89
1.75%		—		88		—		73		89
1.80%		—		92,867		—		45,501		5,250
1.85%		—		88		—		671		88
1.90%		—		88		—		73		88
Total	$	17,575,044	$	27,766,379	$	15,665,106	$	6,997,533	$	9,385,487

	Janus Aspen		Janus Aspen		Janus Aspen		Lazard Ret		MFS
	Global		Janus,		Overseas,		Global Dyn MA,		Inv Gro Stock,
Subaccount	Tech, Serv		Serv		Serv		Serv		Serv Cl
0.55%	$	84,239	$	456,842	$	374,406	$	6,896	$	204,664
0.60%		—		135		—		83		—
0.75%		12,080,989		18,748,206		32,011,511		952,516		38,494,178
0.85%		—		13,144,037		—		415,460		5,116,526
0.95%		7,100,416		12,370,847		23,937,027		1,590,111		24,215,927
1.00%		472,034		2,239,939		1,330,501		205,594		4,607,845
1.05%		—		4,946,731		—		332,848		3,949,152
1.10%		—		3,213,234		—		435,766		2,309,042
1.15%		—		18,190		—		82		—
1.20%		180,250		1,207,068		613,202		444,449		1,942,467
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		319,912		—		299,018		615,112
1.30%		—		1,706,010		—		488,102		917,780
1.35%		—		172,669		—		157,168		—
1.40%		—		6,332		—		82		—
1.45%		—		479,840		—		336,118		620,828
1.50%		—		75,620		—		3,788		—
1.55%		—		46,045		—		71,443		—
1.60%		—		7,680		—		82		—
1.65%		—		43,183		—		82		—
1.70%		—		319		—		79,933		—
1.75%		—		155		—		82		—
1.80%		—		5,800		—		82		—
1.85%		—		132		—		82		—
1.90%		—		132		—		82		—
Total	$	19,917,928	$	59,209,058	$	58,266,647	$	5,819,949	$	82,993,521

94  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

	MFS		MFS		MS UIF		MS UIF		NB AMT
	New Dis,		Utilities,		Global Real		Mid Cap Gro,		Intl Eq,
Subaccount	Serv Cl		Serv Cl		Est, Cl II		Cl II		Cl S
0.55%	$	351,058	$	2,054,174	$	427,572	$	343,687	$	307,059
0.60%		—		130		—		100		—
0.75%		34,165,116		95,814,393		21,972,371		14,989,329		6,798,202
0.85%		—		34,090,194		9,384,915		8,924,000		3,711,200
0.95%		24,547,401		63,496,639		13,417,512		11,328,426		4,140,763
1.00%		3,387,561		11,026,218		3,674,871		1,905,268		522,480
1.05%		—		19,378,172		5,575,019		4,648,452		2,241,504
1.10%		—		10,308,604		3,877,346		2,653,234		1,369,592
1.15%		—		22,960		—		5,657		—
1.20%		2,056,566		9,181,055		1,834,327		1,589,186		251,468
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		992,880		379,154		442,082		112,751
1.30%		—		6,409,508		2,073,268		1,655,247		577,431
1.35%		—		538,841		—		424,196		—
1.40%		—		732,702		—		74,202		—
1.45%		—		1,665,302		574,242		404,665		88,588
1.50%		—		872,503		—		91,118		—
1.55%		—		280,985		—		33,541		—
1.60%		—		71,306		—		14,958		—
1.65%		—		221,729		—		29,626		—
1.70%		—		176,024		—		12,511		—
1.75%		—		22,433		—		6,244		—
1.80%		—		61,041		—		2,392		—
1.85%		—		8,167		—		98		—
1.90%		—		127		—		98		—
Total	$	64,507,702	$	257,426,087	$	63,190,597	$	49,578,317	$	20,121,038

	Oppen		Oppen Global		Oppen		PIMCO		PIMCO
	Global VA,		Strategic Inc		Main St Sm Cap		VIT All Asset,		VIT Glb MA Man
Subaccount	Serv		VA, Srv		VA, Serv		Advisor Cl		Alloc, Adv Cl
0.55%	$	936,206	$	4,954,367	$	775,028	$	699,345	$	3,443
0.60%		177		72		113		80		72
0.75%		40,999,302		235,226,635		28,103,561		70,381,538		1,334,408
0.85%		12,566,917		69,340,217		10,818,141		27,745,030		269,928
0.95%		27,232,384		166,821,144		19,200,255		57,820,240		1,292,064
1.00%		7,987,905		30,421,249		5,661,357		9,108,869		64,086
1.05%		9,145,328		49,696,344		8,744,846		20,150,780		463,525
1.10%		4,228,415		24,563,462		4,550,442		10,103,014		194,597
1.15%		3,749		5,141		112		12,764		71
1.20%		5,074,541		20,633,318		3,400,462		10,252,180		310,851
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		1,266,476		4,406,020		562,907		2,914,986		1,996
1.30%		2,696,312		17,502,585		2,614,937		7,849,027		243,198
1.35%		1,010,844		180,997		483,255		687,645		118,334
1.40%		163,514		72		120,252		914,608		304,894
1.45%		956,983		7,129,438		407,171		2,671,717		134,300
1.50%		136,047		50,143		243,681		551,736		84,121
1.55%		431,043		48,831		88,007		362,271		9,805
1.60%		12,171		86,726		18,898		45,393		356
1.65%		67,302		72		21,396		278,424		161,073
1.70%		1,312		114,542		30,769		68,229		70
1.75%		14,624		72		21,267		84,531		70
1.80%		634		129,209		32,244		76		70
1.85%		173		72		5,479		79		70
1.90%		173		72		110		79		70
Total	$	114,932,532	$	631,310,800	$	85,904,690	$	222,702,641	$	4,991,472

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  95

	PIMCO		Put VT		Royce				VanEck
	VIT Tot Return,		Multi-Cap		Micro-Cap,		Third		VIP Global
Subaccount	Advisor Cl		Gro, Cl IB		Invest Cl		Ave Val		Gold, Cl S
0.55%	$	2,045	$	52,943	$	104,169	$	108,400	$	138,139
0.60%		2,044		—		—		—		59
0.75%		1,840,559		17,333,595		16,506,466		15,046,947		837,365
0.85%		636,034		—		—		—		767,568
0.95%		2,579,066		11,203,980		14,078,525		13,260,132		656,506
1.00%		309,048		516,532		—		—		86,771
1.05%		847,590		—		—		—		193,324
1.10%		552,618		—		—		—		271,989
1.15%		2,037		—		—		—		59
1.20%		253,233		175,782		—		—		140,588
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		10,145		—		—		—		3,758
1.30%		184,841		—		—		—		74,172
1.35%		163,281		—		—		—		38,754
1.40%		2,033		—		—		—		11,093
1.45%		330,633		—		—		—		13,380
1.50%		17,241		—		—		—		25,868
1.55%		2,031		—		—		—		8,907
1.60%		6,004		—		—		—		3,782
1.65%		2,030		—		—		—		59
1.70%		99,144		—		—		—		4,597
1.75%		2,028		—		—		—		1,560
1.80%		2,028		—		—		—		59
1.85%		49,260		—		—		—		59
1.90%		2,026		—		—		—		59
Total	$	7,896,999	$	29,282,832	$	30,689,160	$	28,415,479	$	3,278,475

	VP		VP		VP AQR		VP BR		VP
	Aggr,		Aggr,		Man Fut		Gl Infl Prot		Conserv,
Subaccount	Cl 2		Cl 4		Strategy, Cl 2		Sec, Cl 3		Cl 2
0.55%	$	2,661,539	$	22,707,665	$	33,225	$	779,480	$	4,188,942
0.60%		13		—		76		—		11
0.75%		99,856,120		267,771,882		2,250,002		67,452,030		77,709,744
0.85%		464,569,313		770,433,872		721,909		16,957,889		129,482,238
0.95%		298,521,529		116,171,245		1,471,408		43,748,931		156,533,883
1.00%		11,694,544		24,973,778		593,217		7,707,862		8,958,610
1.05%		24,454,527		230,411,180		450,301		10,368,210		32,982,974
1.10%		53,501,379		140,234,609		436,402		4,214,597		28,187,662
1.15%		65,275		—		76		—		12,718
1.20%		161,261,935		7,261,614		188,899		5,732,203		122,180,361
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		2,813,324		6,383,799		138,664		852,291		4,421,270
1.30%		22,552,140		34,362,948		213,565		5,065,031		39,454,782
1.35%		4,212,978		—		53,753		—		13,186,516
1.40%		8,607,036		—		76		—		12,765,961
1.45%		8,130,970		2,107,015		91,759		1,572,445		18,545,947
1.50%		1,000,726		—		7,293		—		2,141,630
1.55%		1,407,084		—		17,134		—		7,866,613
1.60%		1,012,690		—		76		—		1,604,762
1.65%		5,483,168		—		5,179		—		8,768,229
1.70%		260,068		—		42,804		—		5,435,408
1.75%		625,560		—		150		—		1,412,237
1.80%		119,240		—		76		—		2,025,056
1.85%		258,984		—		1,864		—		360,471
1.90%		13		—		76		—		656,348
Total	$	1,173,070,155	$	1,622,819,607	$	6,717,984	$	164,450,969	$	678,882,373

96  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

	VP		VP GS		VP		VP		VP
	Conserv,		Commodity		Mod,		Mod,		Mod Aggr,
Subaccount	Cl 4		Strategy, Cl 2		Cl 2		Cl 4		Cl 2
0.55%	$	3,605,912	$	7,478	$	6,068,605	$	18,593,407	$	5,657,349
0.60%		—		71		3,406		—		12
0.75%		136,275,104		330,484		533,237,885		1,581,899,186		324,366,616
0.85%		392,460,053		136,985		2,248,859,485		5,048,689,536		1,631,598,511
0.95%		106,299,502		375,231		1,805,915,037		928,917,629		1,048,370,726
1.00%		12,238,299		113,414		56,064,495		175,462,112		28,585,448
1.05%		226,525,632		109,424		181,244,961		1,978,688,223		104,888,330
1.10%		124,377,447		197,728		268,799,948		1,264,367,972		187,171,864
1.15%		—		71		1,261,836		—		304,958
1.20%		13,428,264		78,856		1,265,693,677		82,970,887		616,806,083
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		13,209,449		12,774		23,449,137		49,133,218		11,667,557
1.30%		71,270,778		22,073		206,730,805		500,447,760		95,288,998
1.35%		—		29,223		63,727,475		—		26,171,362
1.40%		—		14,606		70,707,728		—		30,770,141
1.45%		23,955,949		59,232		102,737,597		41,890,314		45,728,484
1.50%		—		11,343		18,500,561		—		7,342,614
1.55%		—		8,603		23,012,006		—		6,372,900
1.60%		—		71		15,813,778		—		4,137,082
1.65%		—		71		33,933,381		—		14,940,942
1.70%		—		71		8,342,691		—		1,465,958
1.75%		—		71		3,353,298		—		2,387,389
1.80%		—		71		2,441,770		—		962,417
1.85%		—		71		1,803,828		—		281,947
1.90%		—		71		79,760		—		28,970
Total	$	1,123,646,389	$	1,508,093	$	6,941,783,150	$	11,671,060,244	$	4,195,296,658

	VP Mod		VP Mod		VP Mod		VP Ptnrs		VP Pyrford
	Aggr,		Conserv,		Conserv,		Sm Cap Val,		Intl Eq,
Subaccount	Cl 4		Cl 2		Cl 4		Cl 3		Cl 2
0.55%	$	31,970,797	$	1,849,742	$	5,318,166	$	947,483	$	2,741
0.60%		—		11		—		—		79
0.75%		993,963,591		192,154,948		410,717,487		74,550,406		134,861
0.85%		2,751,164,321		407,846,842		1,068,824,037		11,297,221		228,705
0.95%		467,946,459		457,326,110		290,839,299		39,109,842		94,455
1.00%		87,640,806		19,181,075		47,995,252		7,951,991		109,075
1.05%		923,998,328		67,531,143		509,432,795		5,495,192		70,651
1.10%		484,950,667		61,506,655		339,311,311		2,565,222		47,452
1.15%		—		623,920		—		—		79
1.20%		23,526,037		289,677,371		28,340,068		3,537,753		37,693
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		27,463,667		7,754,359		22,658,339		326,947		18,976
1.30%		141,652,317		69,252,954		181,464,875		1,047,270		8,096
1.35%		—		24,337,866		—		—		31,674
1.40%		—		24,676,395		—		—		5,344
1.45%		10,865,520		31,694,079		35,746,122		364,798		25,877
1.50%		—		6,222,584		—		—		2,115
1.55%		—		12,114,703		—		—		78
1.60%		—		5,408,903		—		—		78
1.65%		—		11,737,369		—		—		78
1.70%		—		4,138,780		—		—		78
1.75%		—		6,263,795		—		—		78
1.80%		—		2,420,619		—		—		78
1.85%		—		1,045,589		—		—		78
1.90%		—		197,507		—		—		78
Total	$	5,945,142,510	$	1,704,963,319	$	2,940,647,751	$	147,194,125	$	818,497

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  97

	VP Sit		VP Vty						WF Adv
	Divd Gro,		Estb Val,						VT Index Asset
Subaccount	Cl 3		Cl 3		Wanger Intl		Wanger USA		Alloc, Cl 2
0.55%	$	247,095	$	359,011	$	3,064,504	$	1,905,144	$	8,223
0.60%		—		—		—		—		—
0.75%		15,930,203		7,267,745		151,065,294		183,304,694		15,819,000
0.85%		11,201,412		2,563,638		35,533,651		30,773,455		—
0.95%		8,260,599		4,038,153		88,447,043		111,464,157		10,662,938
1.00%		1,075,306		767,697		19,891,946		24,252,407		1,857,921
1.05%		4,569,067		1,738,636		19,413,722		16,200,898		—
1.10%		2,159,343		514,682		9,613,867		8,327,283		—
1.15%		—		—		—		—		—
1.20%		713,990		327,225		8,824,197		9,689,342		776,830
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		—		—		—		—		—
1.25%		231,747		133,259		1,200,351		1,422,926		—
1.30%		1,377,753		226,522		4,551,471		3,677,720		—
1.35%		—		—		—		—		—
1.40%		—		—		—		—		—
1.45%		322,078		60,026		941,900		740,084		—
1.50%		—		—		—		—		—
1.55%		—		—		—		—		—
1.60%		—		—		—		—		—
1.65%		—		—		—		—		—
1.70%		—		—		—		—		—
1.75%		—		—		—		—		—
1.80%		—		—		—		—		—
1.85%		—		—		—		—		—
1.90%		—		—		—		—		—
Total	$	46,088,593	$	17,996,594	$	342,547,946	$	391,758,110	$	29,124,912

	WF Adv		WF Adv		WA Var
	VT Intl Eq,		VT Sm Cap Gro,		Global Hi Yd Bond,
Subaccount	Cl 2		Cl 2		Cl II
0.55%	$	274,512	$	253,679	$	17,294
0.60%		—		109		76
0.75%		18,400,982		28,962,991		823,854
0.85%		6,806,141		13,566,827		261,559
0.95%		12,218,735		19,155,033		781,195
1.00%		2,989,186		3,558,159		74,936
1.05%		2,775,684		8,631,171		262,155
1.10%		1,844,290		3,556,109		236,738
1.15%		—		107		75
1.20%		1,672,152		2,553,931		47,229
1.25%		—		—		—
1.25%		—		—		—
1.25%		—		—		—
1.25%		—		—		—
1.25%		—		—		—
1.25%		233,253		528,878		7,886
1.30%		1,122,090		2,166,980		232,871
1.35%		—		498,643		26,410
1.40%		—		70,086		115,234
1.45%		248,562		622,762		45,407
1.50%		—		185,214		75
1.55%		—		51,478		75
1.60%		—		14,231		4,231
1.65%		—		64,920		7,902
1.70%		—		173,160		99,472
1.75%		—		130		75
1.80%		—		75,415		75
1.85%		—		106		6,508
1.90%		—		106		75
Total	$	48,585,587	$	84,690,225	$	3,051,407

98  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

9.  FINANCIAL HIGHLIGHTS

The table below shows certain financial information regarding the divisions.

	At Dec. 31									For the year ended Dec. 31
		Units		Accumulation unit value				Net assets			Investment		Expense ratio				Total return
		(000s)		lowest to highest(1)				(000s)			income ratio(2)		lowest to highest(3)				lowest to highest(1)(4)
AB VPS Dyn Asset Alloc, Cl B
2013			3,436		$1.07	to	$1.06		$3,664			0.27%		0.55%	to	1.90%		5.02%	(10)	to	4.05%	(10)
AB VPS Global Thematic Gro, Cl B
2013			6,956		$1.34	to	$1.27		$9,114			0.02%		0.55%	to	1.45%		22.25%		to	21.16%
2012			7,945		$1.10	to	$1.05		$8,575			—		0.55%	to	1.45%		12.62%		to	11.61%
2011			10,598		$0.97	to	$0.94		$10,183			0.37%		0.55%	to	1.45%		(23.83%	)	to	(24.51%	)
2010			14,008		$1.28	to	$1.24		$17,720			2.09%		0.55%	to	1.45%		17.93%		to	16.88%
2009			16,689		$1.08	to	$1.06		$17,972			—		0.55%	to	1.45%		52.30%		to	50.94%
AB VPS Gro & Inc, Cl B
2013			71,637		$1.79	to	$1.49		$122,245			1.14%		0.55%	to	1.45%		33.85%		to	32.66%
2012			82,727		$1.33	to	$1.13		$106,000			1.33%		0.55%	to	1.45%		16.60%		to	15.55%
2011			96,883		$1.14	to	$0.97		$107,039			1.10%		0.55%	to	1.45%		5.49%		to	4.55%
2010			110,775		$1.08	to	$0.93		$116,597			—		0.55%	to	1.45%		12.18%		to	11.18%
2009			135,762		$0.97	to	$0.84		$127,984			3.51%		0.55%	to	1.45%		19.69%		to	18.62%
AB VPS Intl Val, Cl B
2013			141,035		$1.91	to	$0.87		$221,774			5.77%		0.55%	to	1.45%		22.06%		to	20.96%
2012			165,112		$1.57	to	$0.72		$215,933			1.29%		0.55%	to	1.45%		13.57%		to	12.55%
2011			203,415		$1.38	to	$0.64		$236,221			3.69%		0.55%	to	1.45%		(19.88%	)	to	(20.60%	)
2010			253,176		$1.72	to	$0.81		$369,702			2.33%		0.55%	to	1.45%		3.73%		to	2.80%
2009			524,100		$1.66	to	$0.79		$647,669			0.86%		0.55%	to	1.45%		33.62%		to	32.42%
ALPS Alerian Engy Infr, Class III
2013			14,759		$1.07	to	$1.06		$15,720			—		0.55%	to	1.90%		6.81%	(11)	to	5.84%	(11)
AC VP Intl, Cl I
2013			9,425		$1.63	to	$1.54		$14,797			1.74%		0.55%	to	0.95%		21.74%		to	21.25%
2012			11,074		$1.34	to	$1.27		$14,313			0.89%		0.55%	to	0.95%		20.49%		to	20.01%
2011			14,469		$1.11	to	$1.06		$15,550			1.49%		0.55%	to	0.95%		(12.52%	)	to	(12.87%	)
2010			19,455		$1.27	to	$1.21		$23,954			2.46%		0.55%	to	0.95%		12.67%		to	12.22%
2009			26,333		$1.13	to	$1.08		$28,827			2.17%		0.55%	to	0.95%		33.03%		to	32.50%
AC VP Mid Cap Val, Cl II
2013			31,662		$1.53	to	$1.78		$52,078			1.06%		0.55%	to	1.45%		29.19%		to	28.03%
2012			32,200		$1.18	to	$1.39		$41,208			1.85%		0.55%	to	1.45%		15.59%		to	14.55%
2011			35,063		$1.02	to	$1.21		$38,863			1.19%		0.55%	to	1.45%		(1.39%	)	to	(2.27%	)
2010			39,383		$1.04	to	$1.24		$44,145			1.31%		0.55%	to	1.45%		18.33%		to	17.26%
2009			204,863		$0.88	to	$1.06		$203,460			3.96%		0.55%	to	1.45%		29.09%		to	27.93%
AC VP Ultra, Cl II
2013			18,619		$1.65	to	$1.62		$30,406			0.41%		0.55%	to	1.45%		36.17%		to	34.95%
2012			21,817		$1.21	to	$1.20		$26,222			—		0.55%	to	1.45%		13.16%		to	12.14%
2011			24,050		$1.07	to	$1.07		$25,618			—		0.55%	to	1.45%		0.31%		to	(0.59%	)
2010			26,550		$1.07	to	$1.08		$28,287			0.36%		0.55%	to	1.45%		15.19%		to	14.15%
2009			28,448		$0.93	to	$0.94		$26,370			0.17%		0.55%	to	1.45%		33.78%		to	32.59%
AC VP Val, Cl I
2013			20,142		$2.63	to	$2.48		$51,196			1.64%		0.55%	to	0.95%		31.00%		to	30.48%
2012			22,999		$2.00	to	$1.90		$44,739			1.89%		0.55%	to	0.95%		13.95%		to	13.49%
2011			27,810		$1.76	to	$1.67		$47,556			2.02%		0.55%	to	0.95%		0.46%		to	0.06%
2010			36,229		$1.75	to	$1.67		$61,756			2.14%		0.55%	to	0.95%		12.80%		to	12.35%
2009			47,184		$1.55	to	$1.49		$71,321			5.85%		0.55%	to	0.95%		19.21%		to	18.73%
BlackRock Global Alloc, Cl III
2013			40,444		$1.17	to	$1.15		$47,699			1.74%		0.55%	to	1.90%		13.79%		to	12.26%
2012			11,013		$1.03	to	$1.02		$11,368			4.15%		0.55%	to	1.90%		2.68%	(9)	to	1.76%	(9)
Calvert VP SRI Bal
2013			18,358		$1.47	to	$1.54		$26,440			1.06%		0.55%	to	1.20%		17.36%		to	16.60%
2012			19,606		$1.26	to	$1.33		$24,109			1.18%		0.55%	to	1.20%		9.90%		to	9.19%
2011			21,309		$1.14	to	$1.21		$23,915			1.24%		0.55%	to	1.20%		3.99%		to	3.32%
2010			24,838		$1.10	to	$1.17		$26,851			1.37%		0.55%	to	1.20%		11.48%		to	10.76%
2009			28,366		$0.99	to	$1.06		$27,572			2.08%		0.55%	to	1.20%		24.60%		to	23.80%

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  99

	At Dec. 31									For the year ended Dec. 31
		Units		Accumulation unit value				Net assets			Investment		Expense ratio				Total return
		(000s)		lowest to highest(1)				(000s)			income ratio(2)		lowest to highest(3)				lowest to highest(1)(4)
Col VP Bal, Cl 3
2013			143,159		$1.70	to	$1.23		$258,003			—		0.55%	to	1.90%		20.78%		to	19.16%
2012			139,007		$1.41	to	$1.03		$211,945			—		0.55%	to	1.90%		13.64%		to	3.54%	(9)
2011			156,899		$1.24	to	$1.14		$211,288			—		0.55%	to	1.80%		1.83%		to	0.57%
2010			182,004		$1.22	to	$1.14		$241,934			—		0.55%	to	1.80%		11.91%		to	13.84%	(6)
2009			221,592		$1.09	to	$0.95		$264,041			—		0.55%	to	1.45%		23.55%		to	22.44%
Col VP Cash Mgmt, Cl 3
2013			218,622		$1.21	to	$0.99		$247,051			0.01%		0.55%	to	1.45%		(0.53%	)	to	(1.43%	)
2012			257,767		$1.22	to	$1.00		$295,327			0.01%		0.55%	to	1.45%		(0.53%	)	to	(1.43%	)
2011			335,563		$1.23	to	$1.02		$387,974			0.01%		0.55%	to	1.45%		(0.53%	)	to	(1.42%	)
2010			361,513		$1.23	to	$1.03		$417,463			0.01%		0.55%	to	1.45%		(0.55%	)	to	(1.42%	)
2009			554,428		$1.24	to	$1.04		$644,738			0.07%		0.55%	to	1.45%		(0.41%	)	to	(1.28%	)
Col VP Commodity Strategy, Cl 2
2013			650		$0.93	to	$0.92		$602			—		0.55%	to	1.90%		(5.82%	)(11)	to	(6.67%	)(11)
Col VP Contrarian Core, Cl 2
2013			7,634		$1.22	to	$1.20		$9,255			—		0.55%	to	1.90%		19.89%	(10)	to	18.81%	(10)
Col VP Core Bond, Cl 2
2013			1,486		$0.96	to	$0.95		$1,416			—		0.55%	to	1.90%		(4.45%	)(11)	to	(5.32%	)(11)
Col VP Div Bond, Cl 3
2013			406,205		$1.79	to	$1.29		$663,231			4.44%		0.55%	to	1.45%		(2.93%	)	to	(3.80%	)
2012			596,330		$1.85	to	$1.35		$1,003,600			3.86%		0.55%	to	1.45%		6.97%		to	6.00%
2011			642,765		$1.73	to	$1.27		$1,017,799			4.49%		0.55%	to	1.45%		6.10%		to	5.14%
2010			773,783		$1.63	to	$1.21		$1,161,761			2.87%		0.55%	to	1.45%		7.73%		to	6.76%
2009			3,271,423		$1.51	to	$1.13		$4,158,300			4.22%		0.55%	to	1.45%		13.79%		to	12.78%
Col VP Divd Opp, Cl 3
2013			390,027		$2.31	to	$1.34		$789,841			—		0.55%	to	1.45%		26.02%		to	24.89%
2012			436,246		$1.83	to	$1.07		$708,211			—		0.55%	to	1.45%		13.36%		to	12.34%
2011			533,665		$1.62	to	$0.95		$770,563			—		0.55%	to	1.45%		(5.53%	)	to	(6.38%	)
2010			652,140		$1.71	to	$1.02		$1,003,948			—		0.55%	to	1.45%		16.19%		to	15.15%
2009			2,438,726		$1.47	to	$0.88		$2,726,250			—		0.55%	to	1.45%		26.76%		to	25.62%
Col VP Emerg Mkts Bond, Cl 2
2013			3,820		$0.91	to	$0.90		$3,452			7.35%		0.55%	to	1.90%		(9.49%	)(10)	to	(10.30%	)(10)
Col VP Emer Mkts, Cl 3
2013			108,814		$2.53	to	$1.51		$230,493			0.58%		0.55%	to	1.45%		(2.34%	)	to	(3.22%	)
2012			124,470		$2.59	to	$1.56		$272,137			0.38%		0.55%	to	1.45%		19.93%		to	18.85%
2011			148,254		$2.16	to	$1.31		$272,219			1.14%		0.55%	to	1.45%		(21.45%	)	to	(22.16%	)
2010			179,452		$2.75	to	$1.69		$422,000			1.50%		0.55%	to	1.45%		19.10%		to	18.03%
2009			361,472		$2.31	to	$1.43		$657,161			0.37%		0.55%	to	1.45%		73.13%		to	71.58%
Col VP Global Bond, Cl 3
2013			135,912		$1.84	to	$1.24		$224,150			5.89%		0.55%	to	1.45%		(8.21%	)	to	(9.04%	)
2012			180,927		$2.01	to	$1.37		$325,966			2.65%		0.55%	to	1.45%		5.80%		to	4.84%
2011			208,801		$1.90	to	$1.30		$357,712			2.85%		0.55%	to	1.45%		4.21%		to	3.28%
2010			247,731		$1.82	to	$1.26		$410,469			3.34%		0.55%	to	1.45%		6.00%		to	5.05%
2009			1,026,842		$1.72	to	$1.20		$1,428,993			1.82%		0.55%	to	1.45%		10.77%		to	9.78%
Col VP Hi Yield Bond, Cl 3
2013			191,728		$2.32	to	$1.68		$415,832			6.54%		0.55%	to	1.45%		5.49%		to	4.54%
2012			221,316		$2.20	to	$1.61		$458,083			7.32%		0.55%	to	1.45%		15.10%		to	14.06%
2011			242,259		$1.91	to	$1.41		$439,609			8.25%		0.55%	to	1.45%		5.10%		to	4.15%
2010			288,799		$1.82	to	$1.35		$501,482			9.04%		0.55%	to	1.45%		13.34%		to	12.32%
2009			348,000		$1.61	to	$1.21		$537,691			10.21%		0.55%	to	1.45%		53.01%		to	51.64%
Col VP Inc Opp, Cl 3
2013			100,497		$1.90	to	$1.65		$181,632			13.13%		0.55%	to	1.45%		4.45%		to	3.51%
2012			128,289		$1.82	to	$1.60		$223,153			6.55%		0.55%	to	1.45%		14.17%		to	13.14%
2011			131,375		$1.59	to	$1.41		$200,839			9.24%		0.55%	to	1.45%		5.68%		to	4.73%
2010			148,512		$1.51	to	$1.35		$215,637			3.28%		0.55%	to	1.45%		12.43%		to	11.42%
2009			1,240,488		$1.34	to	$1.21		$1,564,362			4.60%		0.55%	to	1.45%		41.61%		to	40.35%

100  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

	At Dec. 31									For the year ended Dec. 31
		Units		Accumulation unit value				Net assets			Investment		Expense ratio				Total return
		(000s)		lowest to highest(1)				(000s)			income ratio(2)		lowest to highest(3)				lowest to highest(1)(4)
Col VP Intl Opp, Cl 3
2013			71,770		$1.35	to	$1.30		$105,664			1.65%		0.55%	to	1.45%		21.49%		to	20.40%
2012			81,718		$1.11	to	$1.08		$99,396			1.54%		0.55%	to	1.45%		17.06%		to	16.00%
2011			101,842		$0.95	to	$0.93		$106,021			1.34%		0.55%	to	1.45%		(12.90%	)	to	(13.68%	)
2010			124,228		$1.09	to	$1.08		$149,105			1.44%		0.55%	to	1.45%		13.27%		to	12.25%
2009			153,423		$0.96	to	$0.96		$163,378			1.56%		0.55%	to	1.45%		26.84%		to	25.70%
Col VP Lg Cap Gro, Cl 3
2013			138,336		$0.99	to	$1.43		$140,705			—		0.55%	to	1.45%		29.55%		to	28.39%
2012			156,364		$0.76	to	$1.11		$122,727			—		0.55%	to	1.45%		19.49%		to	18.41%
2011			183,234		$0.64	to	$0.94		$120,479			—		0.55%	to	1.45%		(3.76%	)	to	(4.62%	)
2010			218,835		$0.66	to	$0.98		$150,066			—		0.55%	to	1.45%		16.52%		to	15.47%
2009			263,512		$0.57	to	$0.85		$155,168			—		0.55%	to	1.45%		36.24%		to	35.02%
Col VP Lg Core Quan, Cl 3
2013			292,546		$1.30	to	$1.44		$424,609			—		0.55%	to	1.45%		32.92%		to	31.72%
2012			342,553		$0.97	to	$1.10		$373,715			—		0.55%	to	1.45%		13.24%		to	12.22%
2011			398,158		$0.86	to	$0.98		$384,119			—		0.55%	to	1.45%		4.65%		to	3.71%
2010			471,053		$0.82	to	$0.94		$436,202			—		0.55%	to	1.45%		16.69%		to	15.64%
2009			566,618		$0.70	to	$0.81		$452,227			—		0.55%	to	1.45%		23.47%		to	22.36%
Col VP Marsico Gro, Cl 1
2013			116,187		$1.60	to	$1.60		$185,728			0.24%		0.55%	to	1.45%		34.90%		to	33.69%
2012			140,799		$1.19	to	$1.20		$167,362			0.68%		0.55%	to	1.45%		11.62%		to	10.61%
2011			174,067		$1.06	to	$1.08		$185,686			0.29%		0.55%	to	1.45%		(3.17%	)	to	(4.04%	)
2010			211,659		$1.10	to	$1.13		$233,638			0.16%		0.55%	to	1.45%		20.88%		to	19.80%
2009			1,831,327		$0.91	to	$0.94		$1,713,730			0.88%		0.55%	to	1.45%		25.97%		to	24.84%
Col VP Marsico Intl Opp, Cl 2
2013			39,381		$1.18	to	$1.22		$47,632			0.43%		0.55%	to	1.90%		19.74%		to	18.13%
2012			44,804		$0.99	to	$1.03		$45,342			0.92%		0.55%	to	1.90%		16.97%		to	2.28%	(9)
2011			56,807		$0.84	to	$1.00		$49,131			0.80%		0.55%	to	1.80%		(16.64%	)	to	(17.68%	)
2010			70,989		$1.01	to	$1.22		$73,764			0.67%		0.55%	to	1.80%		13.11%		to	21.28%	(6)
2009			85,819		$0.89	to	$0.98		$78,882			1.87%		0.55%	to	1.45%		37.19%		to	35.96%
Col VP Mid Cap Gro Opp, Cl 3
2013			58,644		$1.93	to	$1.52		$97,730			—		0.55%	to	1.45%		30.31%		to	29.14%
2012			67,302		$1.48	to	$1.18		$86,755			—		0.55%	to	1.45%		10.65%		to	9.65%
2011			83,645		$1.34	to	$1.07		$98,158			—		0.55%	to	1.45%		(15.54%	)	to	(16.29%	)
2010			100,048		$1.58	to	$1.28		$140,165			—		0.55%	to	1.45%		25.59%		to	24.46%
2009			114,747		$1.26	to	$1.03		$128,719			—		0.55%	to	1.45%		62.51%		to	61.06%
Col VP Mid Cap Val Opp, Cl 3
2013			54,651		$2.06	to	$1.54		$99,999			—		0.55%	to	1.45%		36.99%		to	35.76%
2012			58,788		$1.50	to	$1.13		$79,039			—		0.55%	to	1.45%		17.81%		to	16.75%
2011			74,820		$1.28	to	$0.97		$85,948			—		0.55%	to	1.45%		(8.99%	)	to	(9.81%	)
2010			94,586		$1.40	to	$1.08		$120,176			—		0.55%	to	1.45%		21.84%		to	20.75%
2009			218,176		$1.15	to	$0.89		$220,336			—		0.55%	to	1.45%		40.17%		to	38.91%
Col VP Multi-Strategy Alt, Cl 2
2013			4,425		$0.95	to	$0.94		$4,194			—		0.55%	to	1.90%		(5.12%	)(10)	to	(5.98%	)(10)
Col VP S&P 500, Cl 3
2013			120,287		$1.43	to	$1.32		$174,724			—		0.55%	to	1.90%		31.03%		to	29.27%
2012			121,375		$1.09	to	$1.02		$133,933			—		0.55%	to	1.90%		14.91%		to	2.17%	(9)
2011			134,954		$0.95	to	$1.17		$129,622			—		0.55%	to	1.80%		1.07%		to	(0.18%	)
2010			156,454		$0.94	to	$1.17		$148,693			—		0.55%	to	1.80%		14.08%		to	17.32%	(6)
2009			181,918		$0.83	to	$0.91		$151,756			—		0.55%	to	1.45%		25.31%		to	24.18%
Col VP Select Lg Cap Val, Cl 3
2013			26,237		$1.91	to	$1.54		$47,017			—		0.55%	to	1.45%		37.04%		to	35.80%
2012			19,210		$1.40	to	$1.13		$25,275			—		0.55%	to	1.45%		17.83%		to	16.76%
2011			21,869		$1.18	to	$0.97		$24,666			—		0.55%	to	1.45%		(2.23%	)	to	(3.11%	)
2010			21,862		$1.21	to	$1.00		$25,347			—		0.55%	to	1.45%		19.86%		to	18.78%
2009			13,447		$1.01	to	$0.84		$13,058			—		0.55%	to	1.45%		25.43%		to	24.31%

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  101

	At Dec. 31									For the year ended Dec. 31
		Units		Accumulation unit value				Net assets			Investment		Expense ratio				Total return
		(000s)		lowest to highest(1)				(000s)			income ratio(2)		lowest to highest(3)				lowest to highest(1)(4)
Col VP Select Sm Cap Val, Cl 3
2013			26,163		$2.87	to	$1.65		$66,589			—		0.55%	to	1.45%		47.57%		to	46.25%
2012			27,553		$1.94	to	$1.13		$48,546			—		0.55%	to	1.45%		17.11%		to	16.05%
2011			33,501		$1.66	to	$0.97		$50,871			—		0.55%	to	1.45%		(9.01%	)	to	(9.83%	)
2010			39,284		$1.82	to	$1.08		$66,465			—		0.55%	to	1.45%		26.10%		to	24.97%
2009			43,222		$1.44	to	$0.86		$59,043			—		0.55%	to	1.45%		39.05%		to	37.81%
Col VP US Govt Mtge, Cl 3
2013			118,639		$1.39	to	$1.05		$148,738			0.63%		0.55%	to	1.45%		(2.50%	)	to	(3.38%	)
2012			179,537		$1.42	to	$1.08		$230,696			0.92%		0.55%	to	1.45%		1.07%		to	0.15%
2011			204,130		$1.41	to	$1.08		$261,927			0.90%		0.55%	to	1.45%		0.83%		to	(0.08%	)
2010			251,534		$1.39	to	$1.08		$321,296			1.01%		0.55%	to	1.45%		2.44%		to	1.52%
2009			275,349		$1.36	to	$1.07		$345,899			3.12%		0.55%	to	1.45%		4.95%		to	4.01%
CS Commodity Return
2013			68,433		$0.78	to	$0.76		$52,643			—		0.55%	to	1.45%		(10.76%	)	to	(11.56%	)
2012			84,048		$0.87	to	$0.86		$72,693			—		0.55%	to	1.45%		(2.63%	)	to	(3.51%	)
2011			99,283		$0.90	to	$0.89		$88,474			2.48%		0.55%	to	1.45%		(13.13%	)	to	(13.91%	)
2010			98,350		$1.03	to	$1.04		$101,183			6.87%		0.55%	to	1.45%		16.02%		to	14.98%
2009			100,553		$0.89	to	$0.90		$89,247			12.32%		0.55%	to	1.45%		18.82%		to	17.75%
DWS Alt Asset Alloc VIP, Cl B
2013			24,746		$1.00	to	$0.98		$24,844			1.52%		0.55%	to	1.90%		0.20%		to	(1.14%	)
2012			8,138		$1.00	to	$0.99		$8,148			—		0.55%	to	1.90%		3.67%	(9)	to	2.73%	(9)
EV VT Floating-Rate Inc
2013			259,326		$1.32	to	$1.23		$333,886			3.48%		0.55%	to	1.45%		3.28%		to	2.35%
2012			197,523		$1.28	to	$1.20		$247,086			4.20%		0.55%	to	1.45%		6.73%		to	5.78%
2011			214,407		$1.20	to	$1.14		$252,208			4.23%		0.55%	to	1.45%		1.99%		to	1.07%
2010			214,175		$1.18	to	$1.13		$247,939			4.04%		0.55%	to	1.45%		8.52%		to	7.55%
2009			828,278		$1.08	to	$1.05		$884,459			4.79%		0.55%	to	1.45%		43.52%		to	42.23%
Fid VIP Contrafund, Serv Cl 2
2013			326,303		$1.57	to	$1.30		$509,205			0.82%		0.55%	to	1.90%		30.24%		to	28.49%
2012			357,488		$1.20	to	$1.01		$429,506			1.08%		0.55%	to	1.90%		15.50%		to	1.65%	(9)
2011			414,278		$1.04	to	$1.15		$431,773			0.75%		0.55%	to	1.80%		(3.32%	)	to	(4.51%	)
2010			474,193		$1.08	to	$1.20		$512,183			0.82%		0.55%	to	1.80%		16.29%		to	19.27%	(6)
2009			841,696		$0.93	to	$0.95		$791,182			0.94%		0.55%	to	1.45%		34.73%		to	33.52%
Fid VIP Gro & Inc, Serv Cl
2013			36,071		$1.72	to	$1.62		$59,592			1.70%		0.55%	to	0.95%		32.73%		to	32.20%
2012			42,856		$1.29	to	$1.23		$53,538			2.03%		0.55%	to	0.95%		17.75%		to	17.28%
2011			52,169		$1.10	to	$1.05		$55,469			1.52%		0.55%	to	0.95%		1.02%		to	0.62%
2010			69,940		$1.09	to	$1.04		$73,762			0.56%		0.55%	to	0.95%		14.03%		to	13.58%
2009			91,710		$0.95	to	$0.91		$85,042			0.95%		0.55%	to	0.95%		26.46%		to	25.96%
Fid VIP Mid Cap, Serv Cl
2013			23,722		$5.40	to	$5.10		$124,273			0.40%		0.55%	to	0.95%		35.32%		to	34.78%
2012			28,179		$3.99	to	$3.79		$109,281			0.47%		0.55%	to	0.95%		14.12%		to	13.66%
2011			36,566		$3.50	to	$3.33		$124,443			0.13%		0.55%	to	0.95%		(11.21%	)	to	(11.56%	)
2010			49,947		$3.94	to	$3.77		$191,576			0.24%		0.55%	to	0.95%		28.00%		to	27.49%
2009			68,537		$3.08	to	$2.95		$205,621			0.57%		0.55%	to	0.95%		39.25%		to	38.69%
Fid VIP Overseas, Serv Cl
2013			13,350		$1.61	to	$1.52		$20,737			1.23%		0.55%	to	0.95%		29.66%		to	29.15%
2012			15,945		$1.24	to	$1.18		$19,241			1.72%		0.55%	to	0.95%		19.88%		to	19.40%
2011			20,618		$1.03	to	$0.98		$20,772			1.10%		0.55%	to	0.95%		(17.68%	)	to	(18.01%	)
2010			29,438		$1.26	to	$1.20		$36,025			1.18%		0.55%	to	0.95%		12.37%		to	11.93%
2009			39,541		$1.12	to	$1.07		$43,185			1.97%		0.55%	to	0.95%		25.74%		to	25.24%
Fid VIP Strategic Inc, Serv Cl 2
2013			13,064		$0.99	to	$0.98		$12,848			10.07%		0.55%	to	1.90%		(2.09%	)(10)	to	(2.98%	)(10)
FTVIPT Frank Global Real Est, Cl 2
2013			78,865		$2.54	to	$0.88		$148,569			4.57%		0.55%	to	1.45%		1.76%		to	0.85%
2012			82,664		$2.50	to	$0.87		$157,516			—		0.55%	to	1.45%		26.71%		to	25.57%
2011			92,121		$1.97	to	$0.69		$141,422			7.84%		0.55%	to	1.45%		(6.17%	)	to	(7.01%	)
2010			103,135		$2.10	to	$0.74		$172,609			2.86%		0.55%	to	1.45%		20.31%		to	19.23%
2009			119,954		$1.75	to	$0.62		$170,847			12.90%		0.55%	to	1.45%		18.43%		to	17.37%
FTVIPT Frank Inc, Cl 2
2013			16,563		$1.07	to	$1.06		$17,726			1.47%		0.55%	to	1.90%		5.74%	(10)	to	4.77%	(10)

102  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

	At Dec. 31									For the year ended Dec. 31
		Units		Accumulation unit value				Net assets			Investment		Expense ratio				Total return
		(000s)		lowest to highest(1)				(000s)			income ratio(2)		lowest to highest(3)				lowest to highest(1)(4)
FTVIPT Frank Sm Cap Val, Cl 2
2013			58,978		$4.02	to	$1.42		$176,996			1.30%		0.55%	to	1.90%		35.49%		to	33.67%
2012			64,149		$2.97	to	$1.07		$146,398			0.78%		0.55%	to	1.90%		17.74%		to	6.72%	(9)
2011			78,144		$2.52	to	$1.23		$153,562			0.71%		0.55%	to	1.80%		(4.29%	)	to	(5.47%	)
2010			91,828		$2.64	to	$1.30		$193,362			0.75%		0.55%	to	1.80%		27.52%		to	29.36%	(6)
2009			108,899		$2.07	to	$0.88		$183,264			1.66%		0.55%	to	1.45%		28.45%		to	27.30%
FTVIPT Temp Global Bond, Cl 2
2013			18,987		$0.98	to	$0.97		$18,600			2.59%		0.55%	to	1.90%		(1.97%	)(10)	to	(2.86%	)(10)
GS VIT Mid Cap Val, Inst
2013			66,581		$4.15	to	$2.82		$257,444			0.81%		0.55%	to	1.20%		32.16%		to	31.31%
2012			79,577		$3.14	to	$2.15		$233,128			1.09%		0.55%	to	1.20%		17.82%		to	17.05%
2011			99,503		$2.67	to	$1.83		$248,014			0.70%		0.55%	to	1.20%		(6.89%	)	to	(7.49%	)
2010			122,523		$2.86	to	$1.98		$328,204			0.65%		0.55%	to	1.20%		24.32%		to	23.51%
2009			151,389		$2.30	to	$1.60		$326,736			1.73%		0.55%	to	1.20%		32.42%		to	31.56%
GS VIT Sm Cap Eq Insights, Inst
2013			3,223		$2.71	to	$2.56		$8,413			0.99%		0.55%	to	0.95%		34.88%		to	34.34%
2012			3,611		$2.01	to	$1.90		$7,008			1.10%		0.55%	to	0.95%		12.21%		to	11.76%
2011			4,520		$1.79	to	$1.70		$7,834			0.70%		0.55%	to	0.95%		0.12%		to	(0.27%	)
2010			6,309		$1.79	to	$1.71		$10,932			0.52%		0.55%	to	0.95%		29.40%		to	28.89%
2009			7,754		$1.38	to	$1.32		$10,406			1.14%		0.55%	to	0.95%		26.97%		to	26.47%
GS VIT U.S. Eq Insights, Inst
2013			102,618		$1.57	to	$1.41		$157,110			1.10%		0.55%	to	1.45%		36.76%		to	35.54%
2012			120,009		$1.15	to	$1.04		$134,878			1.72%		0.55%	to	1.45%		13.83%		to	12.81%
2011			141,994		$1.01	to	$0.92		$140,631			1.62%		0.55%	to	1.45%		3.48%		to	2.55%
2010			174,647		$0.98	to	$0.90		$167,514			1.40%		0.55%	to	1.45%		12.22%		to	11.22%
2009			210,015		$0.87	to	$0.81		$180,207			1.98%		0.55%	to	1.45%		20.48%		to	19.40%
Invesco VI Am Fran, Ser I
2013			11,731		$1.35	to	$1.34		$15,863			0.43%		0.55%	to	0.95%		39.37%		to	38.81%
2012			13,957		$0.97	to	$0.97		$13,578			—		0.55%	to	0.95%		(2.86%	)(8)	to	(3.13%	)(8)
Invesco VI Bal Risk Alloc, Ser II
2013			22,155		$0.99	to	$0.98		$21,763			2.77%		0.55%	to	1.90%		(2.07%	)(10)	to	(2.97%	)(10)
Invesco VI Comstock, Ser II
2013			129,043		$1.95	to	$1.50		$236,247			1.41%		0.55%	to	1.45%		34.91%		to	33.70%
2012			152,620		$1.45	to	$1.12		$208,334			1.46%		0.55%	to	1.45%		18.27%		to	17.21%
2011			184,225		$1.22	to	$0.96		$213,630			1.37%		0.55%	to	1.45%		(2.64%	)	to	(3.51%	)
2010			214,858		$1.26	to	$0.99		$257,010			0.22%		0.55%	to	1.45%		15.06%		to	14.03%
2009			700,428		$1.09	to	$0.87		$681,301			4.57%		0.55%	to	1.45%		27.70%		to	26.56%
Invesco VI Global Hlth, Ser II
2013			24,135		$1.84	to	$1.82		$44,305			0.57%		0.55%	to	1.45%		39.40%		to	38.15%
2012			20,624		$1.32	to	$1.32		$27,190			—		0.55%	to	1.45%		19.94%		to	18.86%
2011			21,100		$1.10	to	$1.11		$23,253			—		0.55%	to	1.45%		3.16%		to	2.23%
2010			20,785		$1.07	to	$1.08		$22,251			—		0.55%	to	1.45%		4.43%		to	3.49%
2009			22,760		$1.02	to	$1.05		$23,381			0.13%		0.55%	to	1.45%		26.69%		to	25.56%
Invesco VI Intl Gro, Ser II
2013			60,999		$1.76	to	$1.47		$100,859			1.04%		0.55%	to	1.45%		18.07%		to	17.01%
2012			67,388		$1.49	to	$1.25		$94,833			1.26%		0.55%	to	1.45%		14.62%		to	13.59%
2011			78,213		$1.30	to	$1.10		$96,505			1.20%		0.55%	to	1.45%		(7.50%	)	to	(8.33%	)
2010			90,302		$1.40	to	$1.20		$121,171			0.57%		0.55%	to	1.45%		11.99%		to	10.99%
2009			668,344		$1.25	to	$1.08		$767,971			1.54%		0.55%	to	1.45%		34.17%		to	32.97%
Invesco VI Mid Cap Gro, Ser I
2013			13,176		$1.33	to	$1.32		$17,575			0.41%		0.55%	to	1.20%		36.26%		to	35.38%
2012			15,401		$0.98	to	$0.97		$15,114			—		0.55%	to	1.20%		(2.09%	)(8)	to	(2.52%	)(8)
Ivy VIP Asset Strategy
2013			23,002		$1.21	to	$1.19		$27,766			0.14%		0.55%	to	1.90%		18.29%	(10)	to	17.22%	(10)
Janus Aspen Enterprise, Serv
2013			14,693		$1.11	to	$1.05		$15,665			0.36%		0.55%	to	0.95%		31.31%		to	30.79%
2012			16,750		$0.84	to	$0.80		$13,636			—		0.55%	to	0.95%		16.34%		to	15.88%
2011			20,139		$0.72	to	$0.69		$14,127			—		0.55%	to	0.95%		(2.19%	)	to	(2.58%	)
2010			25,642		$0.74	to	$0.71		$18,425			—		0.55%	to	0.95%		24.83%		to	24.34%
2009			31,734		$0.59	to	$0.57		$18,312			—		0.55%	to	0.95%		43.65%		to	43.08%

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  103

	At Dec. 31									For the year ended Dec. 31
		Units		Accumulation unit value				Net assets			Investment		Expense ratio				Total return
		(000s)		lowest to highest(1)				(000s)			income ratio(2)		lowest to highest(3)				lowest to highest(1)(4)
Janus Aspen Flex Bond, Serv
2013			7,094		$0.99	to	$0.98		$6,998			4.81%		0.55%	to	1.90%		(1.97%	)(10)	to	(2.85%	)(10)
Janus Aspen Gbl Alloc Mod, Serv
2013			7,765		$1.19	to	$1.16		$9,385			2.54%		0.55%	to	1.90%		14.06%		to	12.55%
2012			439		$1.04	to	$1.03		$457			3.67%		0.55%	to	1.90%		3.40%	(9)	to	2.47%	(9)
Janus Aspen Global Tech, Serv
2013			24,493		$0.82	to	$1.93		$19,918			—		0.55%	to	1.20%		34.65%		to	33.78%
2012			28,136		$0.61	to	$1.44		$16,995			—		0.55%	to	1.20%		18.49%		to	17.72%
2011			34,118		$0.51	to	$1.23		$17,445			—		0.55%	to	1.20%		(9.16%	)	to	(9.75%	)
2010			43,886		$0.57	to	$1.36		$24,760			—		0.55%	to	1.20%		23.71%		to	22.91%
2009			47,873		$0.46	to	$1.11		$21,824			—		0.55%	to	1.20%		56.04%		to	55.03%
Janus Aspen Janus, Serv
2013			43,430		$1.39	to	$1.28		$59,209			0.65%		0.55%	to	1.90%		29.28%		to	27.55%
2012			53,422		$1.08	to	$1.00		$56,512			0.43%		0.55%	to	1.90%		17.63%		to	0.98%	(9)
2011			64,496		$0.92	to	$1.08		$58,202			0.43%		0.55%	to	1.80%		(6.06%	)	to	(7.23%	)
2010			85,313		$0.98	to	$1.17		$82,233			0.05%		0.55%	to	1.80%		13.63%		to	16.30%	(6)
2009			1,711,481		$0.86	to	$0.84		$1,454,728			0.38%		0.55%	to	1.45%		35.27%		to	34.06%
Janus Aspen Overseas, Serv
2013			37,895		$1.57	to	$2.55		$58,267			3.01%		0.55%	to	1.20%		13.66%		to	12.92%
2012			50,322		$1.38	to	$2.26		$68,216			0.58%		0.55%	to	1.20%		12.56%		to	11.83%
2011			70,950		$1.23	to	$2.02		$85,783			0.38%		0.55%	to	1.20%		(32.71%	)	to	(33.14%	)
2010			97,399		$1.82	to	$3.02		$175,076			0.53%		0.55%	to	1.20%		24.33%		to	23.53%
2009			110,781		$1.47	to	$2.45		$160,461			0.41%		0.55%	to	1.20%		78.09%		to	76.94%
Lazard Ret Global Dyn MA, Serv
2013			5,187		$1.13	to	$1.12		$5,820			1.27%		0.55%	to	1.90%		10.55%	(10)	to	9.56%	(10)
MFS Inv Gro Stock, Serv Cl
2013			69,087		$1.14	to	$1.65		$82,994			0.42%		0.55%	to	1.45%		29.34%		to	28.18%
2012			78,214		$0.88	to	$1.28		$72,077			0.22%		0.55%	to	1.45%		16.04%		to	15.00%
2011			89,086		$0.76	to	$1.12		$70,257			0.26%		0.55%	to	1.45%		(0.18%	)	to	(1.07%	)
2010			105,423		$0.76	to	$1.13		$82,960			0.29%		0.55%	to	1.45%		11.54%		to	10.54%
2009			125,305		$0.68	to	$1.02		$88,112			0.42%		0.55%	to	1.45%		38.33%		to	37.09%
MFS New Dis, Serv Cl
2013			32,602		$2.03	to	$2.23		$64,508			—		0.55%	to	1.20%		40.44%		to	39.53%
2012			37,452		$1.44	to	$1.59		$52,918			—		0.55%	to	1.20%		20.23%		to	19.45%
2011			47,312		$1.20	to	$1.34		$55,683			—		0.55%	to	1.20%		(10.98%	)	to	(11.56%	)
2010			47,235		$1.35	to	$1.51		$62,698			—		0.55%	to	1.20%		35.20%		to	34.32%
2009			53,217		$1.00	to	$1.12		$52,365			—		0.55%	to	1.20%		62.03%		to	60.98%
MFS Utilities, Serv Cl
2013			99,559		$3.00	to	$1.26		$257,426			2.10%		0.55%	to	1.90%		19.56%		to	17.96%
2012			108,853		$2.51	to	$1.07		$239,437			6.35%		0.55%	to	1.90%		12.59%		to	5.78%	(9)
2011			121,680		$2.23	to	$1.22		$241,229			3.03%		0.55%	to	1.80%		5.92%		to	4.61%
2010			121,459		$2.11	to	$1.17		$229,995			3.10%		0.55%	to	1.80%		12.89%		to	15.70%	(6)
2009			139,628		$1.86	to	$1.25		$236,943			4.76%		0.55%	to	1.45%		32.14%		to	30.96%
MS UIF Global Real Est, Cl II
2013			51,115		$1.25	to	$1.22		$63,191			3.65%		0.55%	to	1.45%		2.07%		to	1.16%
2012			53,625		$1.22	to	$1.21		$65,057			0.55%		0.55%	to	1.45%		29.23%		to	28.07%
2011			61,296		$0.94	to	$0.94		$57,824			3.34%		0.55%	to	1.45%		(10.64%	)	to	(11.44%	)
2010			69,097		$1.06	to	$1.07		$73,116			9.13%		0.55%	to	1.45%		21.65%		to	20.56%
2009			299,590		$0.87	to	$0.88		$264,522			0.02%		0.55%	to	1.45%		40.64%		to	39.38%
MS UIF Mid Cap Gro, Cl II
2013			27,537		$1.79	to	$1.25		$49,578			0.24%		0.55%	to	1.90%		36.73%		to	34.91%
2012			33,274		$1.31	to	$0.92		$43,946			—		0.55%	to	1.90%		7.89%		to	(5.99%	)(9)
2011			47,463		$1.21	to	$1.15		$58,189			0.24%		0.55%	to	1.80%		(7.68%	)	to	(8.83%	)
2010			45,797		$1.31	to	$1.26		$60,967			—		0.55%	to	1.80%		31.54%		to	25.27%	(6)
2009			46,533		$1.00	to	$1.06		$47,117			—		0.55%	to	1.45%		56.51%		to	55.10%
NB AMT Intl Eq, Cl S
2013			17,639		$1.12	to	$1.17		$20,121			1.39%		0.55%	to	1.45%		17.19%		to	16.14%
2012			18,401		$0.95	to	$1.01		$17,984			0.80%		0.55%	to	1.45%		17.83%		to	16.77%
2011			22,063		$0.81	to	$0.87		$18,306			6.16%		0.55%	to	1.45%		(12.81%	)	to	(13.59%	)
2010			23,892		$0.93	to	$1.00		$22,804			1.80%		0.55%	to	1.45%		21.35%		to	20.26%
2009			379,110		$0.76	to	$0.83		$309,505			3.73%		0.55%	to	1.45%		33.77%		to	32.57%

104  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

	At Dec. 31									For the year ended Dec. 31
		Units		Accumulation unit value				Net assets			Investment		Expense ratio				Total return
		(000s)		lowest to highest(1)				(000s)			income ratio(2)		lowest to highest(3)				lowest to highest(1)(4)
Oppen Global VA, Serv
2013			60,950		$2.12	to	$1.34		$114,933			1.17%		0.55%	to	1.90%		26.30%		to	24.60%
2012			61,187		$1.67	to	$1.08		$92,610			1.92%		0.55%	to	1.90%		20.29%		to	7.88%	(9)
2011			70,702		$1.39	to	$1.06		$89,945			1.07%		0.55%	to	1.80%		(9.03%	)	to	(10.15%	)
2010			76,283		$1.53	to	$1.18		$107,678			1.23%		0.55%	to	1.80%		15.07%		to	17.77%	(6)
2009			82,309		$1.33	to	$0.98		$101,816			1.98%		0.55%	to	1.45%		38.59%		to	37.35%
Oppen Global Strategic Inc VA, Srv
2013			410,573		$1.62	to	$0.96		$631,311			4.80%		0.55%	to	1.90%		(0.91%	)	to	(4.44%	)(10)
2012			528,177		$1.63	to	$1.43		$823,175			5.61%		0.55%	to	1.45%		12.53%		to	11.51%
2011			601,876		$1.45	to	$1.28		$836,908			2.91%		0.55%	to	1.45%		0.10%		to	(0.80%	)
2010			706,224		$1.45	to	$1.29		$985,348			13.38%		0.55%	to	1.45%		14.14%		to	13.12%
2009			2,168,384		$1.27	to	$1.14		$2,606,149			0.23%		0.55%	to	1.45%		17.76%		to	16.70%
Oppen Main St Sm Cap VA, Serv
2013			42,438		$2.30	to	$1.41		$85,905			0.70%		0.55%	to	1.90%		39.85%		to	37.97%
2012			42,432		$1.64	to	$1.03		$62,203			0.33%		0.55%	to	1.90%		17.02%		to	3.26%	(9)
2011			48,318		$1.41	to	$1.17		$61,075			0.42%		0.55%	to	1.80%		(2.92%	)	to	(4.12%	)
2010			58,250		$1.45	to	$1.22		$76,560			0.43%		0.55%	to	1.80%		22.38%		to	21.39%	(6)
2009			67,777		$1.18	to	$0.88		$73,523			0.65%		0.55%	to	1.45%		36.13%		to	34.91%
PIMCO VIT All Asset, Advisor Cl
2013			154,508		$1.47	to	$1.05		$222,703			4.19%		0.55%	to	1.90%		(0.44%	)	to	(1.79%	)
2012			205,043		$1.48	to	$1.07		$298,500			4.97%		0.55%	to	1.90%		14.18%		to	6.10%	(9)
2011			192,032		$1.29	to	$1.06		$245,929			7.56%		0.55%	to	1.80%		1.37%		to	0.11%
2010			192,371		$1.27	to	$1.06		$244,031			4.92%		0.55%	to	1.80%		12.39%		to	6.05%	(6)
2009			1,054,508		$1.13	to	$1.13		$1,199,776			6.97%		0.55%	to	1.45%		20.76%		to	19.68%
PIMCO VIT Glb MA Man Alloc, Adv CI
2013			5,310		$0.95	to	$0.93		$4,991			3.28%		0.55%	to	1.90%		(8.41%	)	to	(9.65%	)
2012			3,251		$1.03	to	$1.02		$3,355			4.05%		0.55%	to	1.90%		2.90%	(9)	to	1.99%	(9)
PIMCO VIT Tot Return, Advisor Cl
2013			8,192		$0.96	to	$0.95		$7,897			2.30%		0.55%	to	1.90%		(3.98%	)(10)	to	(4.86%	)(10)
Put VT Multi-Cap Gro, Cl IB
2013			17,501		$1.68	to	$1.65		$29,283			0.51%		0.55%	to	1.20%		35.69%		to	34.81%
2012			19,953		$1.24	to	$1.22		$24,655			0.24%		0.55%	to	1.20%		16.12%		to	15.36%
2011			24,077		$1.07	to	$1.06		$25,684			0.27%		0.55%	to	1.20%		(5.60%	)	to	(6.21%	)
2010			29,434		$1.13	to	$1.13		$33,346			—		0.55%	to	1.20%		13.15%	(7)	to	12.95%	(7)
Royce Micro-Cap, Invest Cl
2013			6,965		$4.55	to	$4.30		$30,689			0.49%		0.55%	to	0.95%		20.32%		to	19.84%
2012			8,699		$3.78	to	$3.59		$31,894			—		0.55%	to	0.95%		7.01%		to	6.58%
2011			11,616		$3.54	to	$3.37		$39,841			2.08%		0.55%	to	0.95%		(12.58%	)	to	(12.93%	)
2010			15,792		$4.05	to	$3.87		$62,060			1.74%		0.55%	to	0.95%		29.25%		to	28.73%
2009			20,125		$3.13	to	$3.00		$61,288			—		0.55%	to	0.95%		57.18%		to	56.55%
Third Ave Val
2013			8,571		$3.44	to	$3.24		$28,415			3.27%		0.55%	to	0.95%		18.32%		to	17.84%
2012			10,403		$2.90	to	$2.75		$29,223			0.87%		0.55%	to	0.95%		26.63%		to	26.13%
2011			13,372		$2.29	to	$2.18		$29,752			1.66%		0.55%	to	0.95%		(21.74%	)	to	(22.05%	)
2010			18,735		$2.93	to	$2.80		$53,358			3.79%		0.55%	to	0.95%		13.44%		to	12.99%
2009			24,897		$2.58	to	$2.48		$62,620			—		0.55%	to	0.95%		44.55%		to	43.98%
VanEck VIP Global Gold, Cl S
2013			4,276		$0.77	to	$0.76		$3,278			—		0.55%	to	1.90%		(23.15%	)(10)	to	(23.84%	)(10)
VP Aggr, Cl 2
2013			808,546		$1.47	to	$1.21		$1,173,070			—		0.55%	to	1.90%		20.08%		to	18.47%
2012			697,180		$1.23	to	$1.02		$846,002			—		0.55%	to	1.90%		13.09%		to	1.93%	(9)
2011			612,449		$1.08	to	$1.11		$659,813			—		0.55%	to	1.80%		(3.63%	)	to	(4.82%	)
2010			186,004		$1.12	to	$1.16		$208,702			—		0.55%	to	1.80%		13.63%	(5)	to	16.17%	(6)
VP Aggr, Cl 4
2013			1,115,592		$1.47	to	$1.43		$1,622,820			—		0.55%	to	1.45%		20.05%		to	18.96%
2012			1,224,668		$1.23	to	$1.20		$1,489,272			—		0.55%	to	1.45%		13.06%		to	12.04%
2011			1,479,264		$1.09	to	$1.07		$1,596,561			—		0.55%	to	1.45%		(3.45%	)	to	(4.32%	)
2010			1,623,318		$1.12	to	$1.12		$1,821,118			—		0.55%	to	1.45%		13.63%	(5)	to	12.96%	(5)
VP AQR Man Fut Strategy, Cl 2
2013			6,520		$1.03	to	$1.02		$6,718			2.34%		0.55%	to	1.90%		1.48%	(10)	to	0.56%	(10)

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  105

	At Dec. 31									For the year ended Dec. 31
		Units		Accumulation unit value				Net assets			Investment		Expense ratio				Total return
		(000s)		lowest to highest(1)				(000s)			income ratio(2)		lowest to highest(3)				lowest to highest(1)(4)
VP BR Gl Infl Prot Sec, Cl 3
2013			126,607		$1.34	to	$1.23		$164,451			—		0.55%	to	1.45%		(6.00%	)	to	(6.85%	)
2012			180,662		$1.43	to	$1.32		$250,341			4.40%		0.55%	to	1.45%		5.03%		to	4.08%
2011			202,745		$1.36	to	$1.27		$268,441			7.27%		0.55%	to	1.45%		9.43%		to	8.45%
2010			230,072		$1.24	to	$1.17		$279,401			0.79%		0.55%	to	1.45%		3.56%		to	2.63%
2009			1,530,203		$1.20	to	$1.14		$1,785,469			8.68%		0.55%	to	1.45%		6.25%		to	5.30%
VP Conserv, Cl 2
2013			586,903		$1.18	to	$1.04		$678,882			—		0.55%	to	1.90%		2.61%		to	1.23%
2012			852,752		$1.15	to	$1.02		$966,766			—		0.55%	to	1.90%		6.68%		to	1.79%	(9)
2011			593,897		$1.08	to	$1.06		$634,319			—		0.55%	to	1.80%		2.67%		to	1.40%
2010			176,204		$1.05	to	$1.05		$184,094			—		0.55%	to	1.80%		5.56%	(5)	to	4.56%	(6)
VP Conserv, Cl 4
2013			969,662		$1.18	to	$1.14		$1,123,646			—		0.55%	to	1.45%		2.53%		to	1.60%
2012			1,687,368		$1.15	to	$1.12		$1,915,661			—		0.55%	to	1.45%		6.68%		to	5.72%
2011			1,512,637		$1.08	to	$1.06		$1,616,062			—		0.55%	to	1.45%		2.67%		to	1.75%
2010			1,349,528		$1.05	to	$1.04		$1,409,946			—		0.55%	to	1.45%		5.56%	(5)	to	4.94%	(5)
VP GS Commodity Strategy, Cl 2
2013			1,639		$0.92	to	$0.91		$1,508			—		0.55%	to	1.90%		(7.00%	)(10)	to	(7.84%	)(10)
VP Mod, Cl 2
2013			5,282,492		$1.34	to	$1.12		$6,941,783			—		0.55%	to	1.90%		10.75%		to	9.26%
2012			5,088,616		$1.21	to	$1.03		$6,066,557			—		0.55%	to	1.90%		10.26%		to	2.25%	(9)
2011			4,072,928		$1.09	to	$1.09		$4,423,893			—		0.55%	to	1.80%		(0.28%	)	to	(1.51%	)
2010			1,584,363		$1.10	to	$1.10		$1,732,993			—		0.55%	to	1.80%		9.82%	(5)	to	10.43%	(6)
VP Mod, Cl 4
2013			8,850,388		$1.34	to	$1.29		$11,671,060			—		0.55%	to	1.45%		10.82%		to	9.82%
2012			9,162,518		$1.21	to	$1.18		$10,944,928			—		0.55%	to	1.45%		10.25%		to	9.25%
2011			9,718,867		$1.09	to	$1.08		$10,569,864			—		0.55%	to	1.45%		(0.19%	)	to	(1.08%	)
2010			10,566,949		$1.10	to	$1.09		$11,557,839			—		0.55%	to	1.45%		9.82%	(5)	to	9.17%	(5)
VP Mod Aggr, Cl 2
2013			3,023,702		$1.41	to	$1.16		$4,195,297			—		0.55%	to	1.90%		15.44%		to	13.89%
2012			2,775,343		$1.22	to	$1.02		$3,350,870			—		0.55%	to	1.90%		11.62%		to	1.94%	(9)
2011			2,443,394		$1.09	to	$1.10		$2,654,302			—		0.55%	to	1.80%		(1.97%	)	to	(3.18%	)
2010			891,747		$1.11	to	$1.13		$991,528			—		0.55%	to	1.80%		11.61%	(5)	to	13.26%	(6)
VP Mod Aggr, Cl 4
2013			4,272,587		$1.41	to	$1.36		$5,945,143			—		0.55%	to	1.45%		15.41%		to	14.37%
2012			4,925,651		$1.22	to	$1.19		$5,959,830			—		0.55%	to	1.45%		11.60%		to	10.59%
2011			5,802,273		$1.09	to	$1.08		$6,313,026			—		0.55%	to	1.45%		(1.88%	)	to	(2.76%	)
2010			6,431,039		$1.12	to	$1.11		$7,156,739			—		0.55%	to	1.45%		11.71%	(5)	to	11.05%	(5)
VP Mod Conserv, Cl 2
2013			1,384,885		$1.25	to	$1.07		$1,704,963			—		0.55%	to	1.90%		6.54%		to	5.11%
2012			1,698,010		$1.18	to	$1.02		$1,972,536			—		0.55%	to	1.90%		8.15%		to	1.81%	(9)
2011			1,249,525		$1.09	to	$1.07		$1,348,503			—		0.55%	to	1.80%		1.30%		to	0.05%
2010			486,156		$1.07	to	$1.07		$520,096			—		0.55%	to	1.80%		7.42%	(5)	to	7.37%	(6)
VP Mod Conserv, Cl 4
2013			2,377,982		$1.26	to	$1.21		$2,940,648			—		0.55%	to	1.45%		6.52%		to	5.56%
2012			3,133,836		$1.18	to	$1.15		$3,653,172			—		0.55%	to	1.45%		8.23%		to	7.25%
2011			3,079,882		$1.09	to	$1.07		$3,330,281			—		0.55%	to	1.45%		1.39%		to	0.48%
2010			3,111,865		$1.07	to	$1.07		$3,332,020			—		0.55%	to	1.45%		7.52%	(5)	to	6.89%	(5)
VP Ptnrs Sm Cap Val, Cl 3
2013			56,024		$2.99	to	$1.64		$147,194			—		0.55%	to	1.45%		34.07%		to	32.86%
2012			69,566		$2.23	to	$1.23		$136,991			—		0.55%	to	1.45%		12.89%		to	11.87%
2011			86,378		$1.98	to	$1.10		$151,348			—		0.55%	to	1.45%		(4.98%	)	to	(5.83%	)
2010			106,425		$2.08	to	$1.17		$197,266			—		0.55%	to	1.45%		23.75%		to	22.64%
2009			942,973		$1.68	to	$0.95		$1,090,106			—		0.55%	to	1.45%		35.80%		to	34.59%
VP Pyrford Intl Eq, Cl 2
2013			777		$1.05	to	$1.04		$818			1.03%		0.55%	to	1.90%		5.50%	(11)	to	4.54%	(11)

106  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

	At Dec. 31									For the year ended Dec. 31
		Units		Accumulation unit value				Net assets			Investment		Expense ratio				Total return
		(000s)		lowest to highest(1)				(000s)			income ratio(2)		lowest to highest(3)				lowest to highest(1)(4)
VP Sit Divd Gro, Cl 3
2013			34,820		$1.35	to	$1.29		$46,089			—		0.55%	to	1.45%		27.69%		to	26.54%
2012			39,258		$1.06	to	$1.02		$40,838			—		0.55%	to	1.45%		10.08%		to	9.08%
2011			49,565		$0.96	to	$0.93		$46,968			—		0.55%	to	1.45%		(4.03%	)	to	(4.89%	)
2010			63,234		$1.00	to	$0.98		$62,574			—		0.55%	to	1.45%		10.91%		to	9.92%
2009			1,684,963		$0.90	to	$0.89		$1,518,919			—		0.55%	to	1.45%		30.61%		to	29.44%
VP Vty Estb Val, Cl 3
2013			9,378		$2.07	to	$1.65		$17,997			—		0.55%	to	1.45%		35.12%		to	33.91%
2012			9,680		$1.53	to	$1.23		$13,797			—		0.55%	to	1.45%		16.37%		to	15.32%
2011			10,544		$1.32	to	$1.07		$13,013			—		0.55%	to	1.45%		(6.95%	)	to	(7.79%	)
2010			10,676		$1.42	to	$1.16		$14,315			—		0.55%	to	1.45%		21.20%		to	20.11%
2009			11,506		$1.17	to	$0.97		$12,879			—		0.55%	to	1.45%		35.88%		to	34.66%
Wanger Intl
2013			123,922		$3.34	to	$1.68		$342,548			2.61%		0.55%	to	1.45%		21.70%		to	20.60%
2012			137,801		$2.74	to	$1.39		$317,597			1.17%		0.55%	to	1.45%		20.90%		to	19.80%
2011			167,899		$2.27	to	$1.16		$323,958			4.78%		0.55%	to	1.45%		(15.09%	)	to	(15.85%	)
2010			199,414		$2.67	to	$1.38		$458,489			1.70%		0.55%	to	1.45%		24.23%		to	23.12%
2009			578,944		$2.15	to	$1.12		$893,102			3.70%		0.55%	to	1.45%		48.96%		to	47.63%
Wanger USA
2013			144,422		$3.19	to	$1.68		$391,758			0.14%		0.55%	to	1.45%		33.02%		to	31.82%
2012			166,631		$2.40	to	$1.28		$343,872			0.30%		0.55%	to	1.45%		19.36%		to	18.28%
2011			200,494		$2.01	to	$1.08		$349,684			—		0.55%	to	1.45%		(4.02%	)	to	(4.88%	)
2010			240,629		$2.09	to	$1.13		$441,908			—		0.55%	to	1.45%		22.68%		to	21.58%
2009			573,990		$1.71	to	$0.93		$745,596			—		0.55%	to	1.45%		41.45%		to	40.18%
WF Adv VT Index Asset Alloc, Cl 2
2013			16,691		$1.79	to	$1.74		$29,125			1.63%		0.55%	to	1.20%		18.97%		to	18.20%
2012			19,665		$1.50	to	$1.48		$28,893			1.43%		0.55%	to	1.20%		12.41%		to	11.68%
2011			23,246		$1.34	to	$1.32		$30,454			2.98%		0.55%	to	1.20%		5.90%		to	5.22%
2010			29,127		$1.26	to	$1.26		$36,093			1.75%		0.55%	to	1.20%		12.67%		to	11.94%
2009			37,522		$1.12	to	$1.12		$41,324			2.02%		0.55%	to	1.20%		14.82%		to	14.08%
WF Adv VT Intl Eq, Cl 2
2013			33,222		$1.66	to	$1.13		$48,586			2.14%		0.55%	to	1.45%		18.87%		to	17.80%
2012			40,040		$1.39	to	$0.96		$49,421			1.31%		0.55%	to	1.45%		12.86%		to	11.84%
2011			48,128		$1.23	to	$0.85		$53,181			0.11%		0.55%	to	1.45%		(13.39%	)	to	(14.16%	)
2010			57,745		$1.43	to	$1.00		$74,526			1.67%		0.55%	to	1.45%		15.86%		to	14.83%
2009			775,672		$1.23	to	$0.87		$752,302			0.46%		0.55%	to	1.45%		14.84%		to	13.81%
WF Adv VT Sm Cap Gro, Cl 2
2013			38,552		$2.29	to	$1.37		$84,690			—		0.55%	to	1.90%		49.41%		to	47.40%
2012			42,724		$1.54	to	$0.93		$63,274			—		0.55%	to	1.90%		7.28%		to	(7.05%	)(9)
2011			51,889		$1.43	to	$1.19		$71,998			—		0.55%	to	1.80%		(5.12%	)	to	(6.29%	)
2010			68,151		$1.51	to	$1.27		$100,081			—		0.55%	to	1.80%		26.08%		to	26.74%	(6)
2009			72,341		$1.20	to	$1.11		$84,640			—		0.55%	to	1.45%		51.81%		to	50.45%
WA Var Global Hi Yd Bond, Cl II
2013			3,009		$1.02	to	$1.01		$3,051			16.72%		0.55%	to	1.90%		1.04%	(10)	to	0.13%	(10)

(1)	The accumulation unit values and total returns are based on the variable annuity contracts with the lowest and highest expense ratios.
(2)	These amounts represent the dividends, excluding distributions of capital gains, received by the division from the underlying fund, net of management fees assessed by the fund manager, divided by the average net assets. These ratios exclude variable account expenses that result in direct reductions in the unit values. The recognition of investment income by the division is affected by the timing of the declaration of dividends by the underlying fund in which the division invests. These ratios are annualized for periods less than one year.
(3)	These ratios represent the annualized contract expenses of the separate account, consisting primarily of mortality and expense charges, for each period indicated. The ratios include only those expenses that result in a direct reduction to unit values. Charges made directly to contract owner accounts through the redemption of units and expenses of the underlying fund are excluded.
(4)	These amounts represent the total return for the periods indicated, including changes in the value of the underlying fund, and reflect deductions for all items included in the expense ratio. The total return does not include any expenses assessed through the redemption of units; inclusion of these expenses in the calculation would result in a reduction in the total return presented. Investment options with a date notation indicate the effective date of that investment option in the variable account. The total return is calculated for the period indicated or from the effective date through the end of the reporting period. Although the total return is presented as a range of minimum to maximum values, based on the subaccounts representing the minimum and maximum expense ratio amounts, some individual subaccount total returns are not within the ranges presented due to the introduction of new subaccounts during the year and other market factors.
(5)	New subaccount operations commenced on May 7, 2010.
(6)	New subaccount operations commenced on July 19, 2010.
(7)	New subaccount operations commenced on Sept. 24, 2010.
(8)	New subaccount operations commenced on April 27, 2012.

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  107

(9)	New subaccount operations commenced on April 30, 2012.
(10)	New subaccount operations commenced on April 29, 2013.
(11)	New subaccount operations commenced on April 30, 2013.

108  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

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 the parentheses.

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 I (09/15/1999)
Accumulation unit value at beginning of period		$1.34		$1.11		$1.27		$1.13		$0.85		$1.54		$1.32		$1.06		$0.94		$0.82
Accumulation unit value at end of period		$1.63		$1.34		$1.11		$1.27		$1.13		$0.85		$1.54		$1.32		$1.06		$0.94
Number of accumulation units outstanding at end of period (000 omitted)		4		4		4		10		10		20		155		352		594		675
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 I (09/15/1999)
Accumulation unit value at beginning of period		$2.00		$1.76		$1.75		$1.55		$1.30		$1.79		$1.89		$1.61		$1.54		$1.35
Accumulation unit value at end of period		$2.63		$2.00		$1.76		$1.75		$1.55		$1.30		$1.79		$1.89		$1.61		$1.54
Number of accumulation units outstanding at end of period (000 omitted)		132		108		249		232		259		524		578		747		1,037		1,067
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
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
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		—		—		—		—		—		—		—		—		—

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  109

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
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 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
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		—		—		—		—		—		—		—		—		—

110  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

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
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		—		—		—		—		—		—		—		—
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 (09/15/1999)
Accumulation unit value at beginning of period		$1.29		$1.10		$1.09		$0.95		$0.75		$1.30		$1.17		$1.04		$0.97		$0.92
Accumulation unit value at end of period		$1.72		$1.29		$1.10		$1.09		$0.95		$0.75		$1.30		$1.17		$1.04		$0.97
Number of accumulation units outstanding at end of period (000 omitted)		71		67		87		92		148		226		676		754		1,103		1,370
Fidelity® VIP Mid Cap Portfolio Service Class (09/15/1999)
Accumulation unit value at beginning of period		$3.99		$3.50		$3.94		$3.08		$2.21		$3.68		$3.20		$2.86		$2.43		$1.96
Accumulation unit value at end of period		$5.40		$3.99		$3.50		$3.94		$3.08		$2.21		$3.68		$3.20		$2.86		$2.43
Number of accumulation units outstanding at end of period (000 omitted)		104		105		162		195		298		492		591		664		915		1,023
Fidelity® VIP Overseas Portfolio Service Class (09/15/1999)
Accumulation unit value at beginning of period		$1.24		$1.03		$1.26		$1.12		$0.89		$1.59		$1.37		$1.16		$0.98		$0.87
Accumulation unit value at end of period		$1.61		$1.24		$1.03		$1.26		$1.12		$0.89		$1.59		$1.37		$1.16		$0.98
Number of accumulation units outstanding at end of period (000 omitted)		25		15		20		20		28		48		92		298		605		429
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 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		—		—		—		—		—		—		—		—		—

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  111

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
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 Small Cap Equity Insights Fund – Institutional Shares (09/15/1999)
Accumulation unit value at beginning of period		$2.01		$1.79		$1.79		$1.38		$1.09		$1.66		$2.00		$1.79		$1.69		$1.46
Accumulation unit value at end of period		$2.71		$2.01		$1.79		$1.79		$1.38		$1.09		$1.66		$2.00		$1.79		$1.69
Number of accumulation units outstanding at end of period (000 omitted)		1		2		2		4		9		11		12		114		119		150
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 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)		60		65		—		—		—		—		—		—		—		—
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		—		—		—		—		—		—		—		—		—
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. 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 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)		87		87		—		—		—		—		—		—		—		—
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 Enterprise Portfolio: Service Shares (05/01/2000)
Accumulation unit value at beginning of period		$0.84		$0.72		$0.74		$0.59		$0.41		$0.74		$0.61		$0.54		$0.49		$0.41
Accumulation unit value at end of period		$1.11		$0.84		$0.72		$0.74		$0.59		$0.41		$0.74		$0.61		$0.54		$0.49
Number of accumulation units outstanding at end of period (000 omitted)		29		28		34		34		30		30		51		125		125		144
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 Global Technology Portfolio: Service Shares (05/01/2000)
Accumulation unit value at beginning of period		$0.61		$0.51		$0.57		$0.46		$0.29		$0.53		$0.43		$0.41		$0.37		$0.37
Accumulation unit value at end of period		$0.82		$0.61		$0.51		$0.57		$0.46		$0.29		$0.53		$0.43		$0.41		$0.37
Number of accumulation units outstanding at end of period (000 omitted)		103		104		111		100		41		22		37		180		200		333
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		—		—		—
Janus Aspen Series Overseas Portfolio: Service Shares (05/01/2000)
Accumulation unit value at beginning of period		$1.38		$1.23		$1.82		$1.47		$0.82		$1.73		$1.36		$0.93		$0.71		$0.60
Accumulation unit value at end of period		$1.57		$1.38		$1.23		$1.82		$1.47		$0.82		$1.73		$1.36		$0.93		$0.71
Number of accumulation units outstanding at end of period (000 omitted)		239		269		262		226		395		275		272		231		250		132

112  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

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
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		—		—
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 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		—		—		—		—		—		—
Royce Capital Fund – Micro-Cap Portfolio, Investment Class (09/15/1999)
Accumulation unit value at beginning of period		$3.78		$3.54		$4.05		$3.13		$1.99		$3.53		$3.41		$2.83		$2.55		$2.26
Accumulation unit value at end of period		$4.55		$3.78		$3.54		$4.05		$3.13		$1.99		$3.53		$3.41		$2.83		$2.55
Number of accumulation units outstanding at end of period (000 omitted)		23		30		34		39		66		81		358		405		539		591
Third Avenue Value Portfolio (09/21/1999)
Accumulation unit value at beginning of period		$2.90		$2.29		$2.93		$2.58		$1.79		$3.19		$3.37		$2.92		$2.57		$2.15
Accumulation unit value at end of period		$3.44		$2.90		$2.29		$2.93		$2.58		$1.79		$3.19		$3.37		$2.92		$2.57
Number of accumulation units outstanding at end of period (000 omitted)		27		27		33		38		62		123		175		287		371		347

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  113

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
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		—		—		—		—		—		—		—		—		—
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		—		—		—		—		—		—		—		—		—

114  RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT

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
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
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 Index Asset Allocation Fund – Class 2 (05/01/2001)
Accumulation unit value at beginning of period		$1.50		$1.34		$1.26		$1.12		$0.98		$1.38		$1.29		$1.16		$1.11		$1.02
Accumulation unit value at end of period		$1.79		$1.50		$1.34		$1.26		$1.12		$0.98		$1.38		$1.29		$1.16		$1.11
Number of accumulation units outstanding at end of period (000 omitted)		5		—		2		2		4		4		7		31		355		91
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 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		—		—		—		—		—		—		—		—		—

RIVERSOURCE RETIREMENT ADVISOR VARIABLE ANNUITY – BAND 3 – 2013 ANNUAL REPORT  115

REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

TO THE BOARD OF DIRECTORS AND SHAREHOLDER OF
RIVERSOURCE LIFE INSURANCE COMPANY:

We have audited the accompanying consolidated balance sheets of RiverSource Life Insurance Company and its subsidiaries (the “Company”) as of December 31, 2013 and December 31, 2012 and the related consolidated statements of income, comprehensive income, shareholder’s equity, and cash flows for each of the three years in the period ended December 31, 2013. These financial statements are the responsibility of the Company’s management. Our responsibility is to express an opinion on these financial statements based on our audits.

We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our opinion.

In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of RiverSource Life Insurance Company and its subsidiaries at December 31, 2013 and 2012, and the results of their operations and their cash flows for each of the three years in the period ended December 31, 2013 in conformity with accounting principles generally accepted in the United States of America.

Minneapolis, Minnesota

February 25, 2014

F-1

RiverSource Life Insurance Company

CONSOLIDATED BALANCE SHEETS
(in millions, except share amounts)

December 31,	2013		2012
Assets
Investments:
Available-for-Sale:
Fixed maturities, at fair value (amortized cost: 2013, $22,902; 2012, $23,058)	$	24,387	$	25,932
Common stocks, at fair value (cost: 2013 and 2012, $2)		6		4
Mortgage loans, at amortized cost (less allowance for loan losses: 2013, $24; and 2012, $26)		3,326		3,389
Policy loans		773		752
Other investments		915		743
Total investments		29,407		30,820
Cash and cash equivalents		344		336
Restricted cash		—		86
Reinsurance recoverables		2,177		2,047
Other receivables		195		203
Accrued investment income		275		291
Deferred acquisition costs		2,633		2,373
Other assets		4,357		4,197
Separate account assets		77,616		69,395
Total assets	$	117,004	$	109,748
Liabilities and Shareholder’s Equity
Liabilities:
Policyholder account balances, future policy benefits and claims	$	29,149	$	30,802
Short-term borrowings		500		501
Line of credit with Ameriprise Financial, Inc.		150		150
Other liabilities		5,431		4,201
Separate account liabilities		77,616		69,395
Total liabilities		112,846		105,049
Shareholder’s equity:
Common stock, $30 par value; 100,000 shares authorized, issued and outstanding		3		3
Additional paid-in capital		2,463		2,462
Retained earnings		1,042		1,000
Accumulated other comprehensive income, net of tax		650		1,234
Total shareholder’s equity		4,158		4,699
Total liabilities and shareholder’s equity	$	117,004	$	109,748

See Notes to Consolidated Financial Statements.

F-2

RiverSource Life Insurance Company

CONSOLIDATED STATEMENTS OF INCOME
(in millions)

Years Ended December 31,	2013			2012			2011
Revenues
Premiums	$	430		$	442		$	493
Net investment income		1,411			1,480			1,593
Policy and contract charges		1,725			1,593			1,540
Other revenues		359			329			303
Net realized investment gains (losses)		3			(3	)		5
Total revenues		3,928			3,841			3,934
Benefits and expenses
Benefits, claims, losses and settlement expenses		1,172			1,216			950
Interest credited to fixed accounts		806			831			856
Amortization of deferred acquisition costs		141			225			336
Other insurance and operating expenses		746			755			781
Total benefits and expenses		2,865			3,027			2,923
Pretax income		1,063			814			1,011
Income tax provision		221			164			190
Net income	$	842		$	650		$	821
Supplemental Disclosures:
Total other-than-temporary impairment losses on securities	$	(11	)	$	(12	)	$	(47	)
Portion of loss recognized in other comprehensive income (loss) (before taxes)		5			(5	)		23
Net impairment losses recognized in net realized investment gains	$	(6	)	$	(17	)	$	(24	)

See Notes to Consolidated Financial Statements.

F-3

RiverSource Life Insurance Company

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
(in millions)

Years Ended December 31,	2013			2012			2011
Net income	$	842		$	650		$	821
Other comprehensive income (loss), net of tax:
Net unrealized gains (losses) on securities:
Net unrealized securities gains (losses) arising during the period		(904	)		451			364
Reclassification of net securities (gains) losses included in net income		(3	)		1			(3	)
Impact of deferred acquisition costs, deferred sales inducement costs, benefit reserves and reinsurance recoverables		319			(154	)		(194	)
Total net unrealized gains (losses) on securities		(588	)		298			167
Net unrealized losses on derivatives:
Reclassification of net derivative losses included in net income		4			5			4
Total net unrealized losses on derivatives		4			5			4
Total other comprehensive income (loss), net of tax		(584	)		303			171
Total comprehensive income	$	258		$	953		$	992

See Notes to Consolidated Financial Statements.

F-4

RiverSource Life Insurance Company

CONSOLIDATED STATEMENTS OF SHAREHOLDER’S EQUITY
(in millions)

			Additional					Accumulated Other
	Common		Paid-In		Retained			Comprehensive
	Shares		Capital		Earnings			Income			Total
Balances at January 1, 2011	$	3	$	2,460	$	1,994		$	760		$	5,217
Comprehensive income:
Net income		—		—		821			—			821
Other comprehensive income, net of tax		—		—		—			171			171
Total comprehensive income												992
Tax adjustment on share-based incentive compensation plan		—		1		—			—			1
Cash dividends to Ameriprise Financial, Inc.		—		—		(750	)		—			(750	)
Non-cash dividend to Ameriprise Financial, Inc.		—		—		(850	)		—			(850	)
Balances at December 31, 2011		3		2,461		1,215			931			4,610
Comprehensive income:
Net income		—		—		650			—			650
Other comprehensive income, net of tax		—		—		—			303			303
Total comprehensive income												953
Tax adjustment on share-based incentive compensation plan		—		1		—			—			1
Cash dividends to Ameriprise Financial, Inc.		—		—		(865	)		—			(865	)
Balances at December 31, 2012		3		2,462		1,000			1,234			4,699
Comprehensive income:
Net income		—		—		842			—			842
Other comprehensive loss, net of tax		—		—		—			(584	)		(584	)
Total comprehensive income												258
Tax adjustment on share-based incentive compensation plan		—		1		—			—			1
Cash dividends to Ameriprise Financial, Inc.		—		—		(800	)		—			(800	)
Balances at December 31, 2013	$	3	$	2,463	$	1,042		$	650		$	4,158

See Notes to Consolidated Financial Statements.

F-5

RiverSource Life Insurance Company

CONSOLIDATED STATEMENTS OF CASH FLOWS
(in millions)

Years Ended December 31,	2013			2012			2011
Cash Flows from Operating Activities
Net income	$	842		$	650		$	821
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion, net		(20	)		(16	)		(73	)
Deferred income tax expense (benefit)		(76	)		(40	)		50
Contractholder and policyholder charges, non-cash		(322	)		(273	)		(264	)
Loss from equity method investments		12			26			33
Net realized investment gains		(9	)		(14	)		(26	)
Other-than-temporary impairments and provision for loan losses recognized in net realized investment gains		6			17			21
Change in operating assets and liabilities:
Deferred acquisition costs		(128	)		(28	)		54
Other investments, net		—			25			—
Policyholder account balances, future policy benefits and claims, net		(1,053	)		(463	)		1,414
Derivatives, net of collateral		1,733			671			(301	)
Reinsurance recoverables		(121	)		(107	)		(127	)
Other receivables		4			(35	)		25
Accrued investment income		16			16			2
Other, net		132			283			39
Net cash provided by operating activities		1,016			712			1,668
Cash Flows from Investing Activities
Available-for-Sale securities:
Proceeds from sales		171			156			664
Maturities, sinking fund payments and calls		3,682			3,292			3,200
Purchases		(3,672	)		(2,271	)		(4,084	)
Proceeds from sales, maturities and repayments of mortgage loans		696			310			202
Funding of mortgage loans		(619	)		(277	)		(207	)
Purchase of residential mortgage loans from affiliate		—			(954	)		—
Proceeds from sales and collections of other investments		119			117			114
Purchase of other investments		(235	)		(286	)		(296	)
Purchase of land, buildings, equipment and software		(8	)		(8	)		(6	)
Change in policy loans, net		(21	)		(13	)		(10	)
Other, net		49			—			—
Net cash provided by (used in) investing activities		162			66			(423	)
Cash Flows from Financing Activities
Policyholder account balances:
Deposits and other additions		2,158			2,198			2,221
Net transfers from (to) separate accounts		(116	)		(30	)		39
Surrenders and other benefits		(1,994	)		(2,063	)		(2,154	)
Change in short-term borrowings, net		(2	)		(5	)		107
Proceeds from line of credit with Ameriprise Financial, Inc.		94			418			415
Payments on line of credit with Ameriprise Financial, Inc.		(94	)		(568	)		(118	)
Tax adjustment on share-based incentive compensation plan		1			1			1
Cash paid for purchased options with deferred premiums		(417	)		(356	)		(254	)
Cash dividends to Ameriprise Financial, Inc.		(800	)		(865	)		(750	)
Net cash used in financing activities		(1,170	)		(1,270	)		(493	)
Net increase (decrease) in cash and cash equivalents		8			(492	)		752
Cash and cash equivalents at beginning of period		336			828			76
Cash and cash equivalents at end of period	$	344		$	336		$	828
Supplemental Disclosures:
Income taxes paid, net	$	94		$	109		$	176
Interest paid on borrowings		4			4			5
Non-cash investing activity:
Dividend to Ameriprise Financial, Inc.		—			—			850
Affordable housing partnership commitments not yet remitted		96			13			137

See Notes to Consolidated Financial Statements.

F-6

RiverSource Life Insurance Company

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

1.  NATURE OF BUSINESS AND BASIS OF PRESENTATION

RiverSource Life Insurance Company is a stock life insurance company with one wholly owned stock life insurance company subsidiary, RiverSource Life Insurance Co. of New York (“RiverSource Life of NY”). RiverSource Life Insurance Company is a wholly owned subsidiary of Ameriprise Financial, Inc. (“Ameriprise Financial”).

•  RiverSource Life Insurance Company is domiciled in Minnesota and holds Certificates of Authority in American Samoa, the District of Columbia and all states except New York. RiverSource Life Insurance Company issues insurance and annuity products.

•  RiverSource Life of NY is domiciled and holds a Certificate of Authority in New York. RiverSource Life of NY issues insurance and annuity products.

RiverSource Life Insurance Company also wholly owns RiverSource Tax Advantaged Investments, Inc. (“RTA”). RTA is a stock company domiciled in Delaware and is a limited partner in affordable housing partnership investments.

The accompanying Consolidated Financial Statements include the accounts of RiverSource Life Insurance Company and companies in which it directly or indirectly has a controlling financial interest (collectively, the “Company”). All intercompany transactions and balances have been eliminated in consolidation.

The accompanying Consolidated Financial Statements are prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) which vary in certain respects from reporting practices prescribed or permitted by state insurance regulatory authorities as described in Note 15.

In the Consolidated Balance Sheets, the Company combined the balance of “Deferred Sales Inducement Costs” with “Other assets” and the balance of “Policy claims and other policyholder funds” with “Policyholder account balances, future policy benefits and claims” for prior years to conform to the current presentation.

In addition, the Company reclassified certain prior year amounts in the Consolidated Statements of Cash Flows, as discussed below, to improve the transparency of its cash flows. Total cash flows provided by (used in) operating and financing activities did not change as a result of the reclassifications.

Within operating activities, the change in freestanding derivatives was reclassified from “Other, net” to “Derivatives, net of collateral”. The change in derivatives collateral was reclassified from “Derivatives collateral, net” to “Derivatives, net of collateral”. As a result of these reclassifications, changes in all freestanding derivatives and related collateral are included in one line within operating cash flows.

Within financing activities, the increase in policyholder account balances for interest credited was reclassified from “Policyholder account balances: Surrenders and other benefits” to “Policyholder account balances: Deposits and other additions”.

In the fourth quarter of 2012, the Company made an adjustment to the model which values the reserves related to living benefit guarantees primarily attributable to prior periods, which resulted in a $41 million pretax benefit, net of deferred acquisition costs (“DAC”) and deferred sales inducement costs (“DSIC”) amortization of $11 million. In the second quarter of 2012, the Company made a correction for a tax item related to prior periods, which resulted in a $32 million decrease to net income. The Company discovered it had received incomplete data from a third party service provider for securities lending activities that resulted in the miscalculation of the Company’s dividend received deduction and foreign tax credit, which resulted in an understatement of taxes payable and an overstatement of reported earnings in prior periods. The Company resolved the data issue and stopped the securities lending that negatively impacted its tax position. Management determined that the effect of these corrections was not material to current and previously issued financial statements.

The Company evaluated events or transactions that may have occurred after the balance sheet date for potential recognition or disclosure through the date the financial statements were issued.

The Company’s principal products are variable deferred annuities and variable universal life insurance which are issued primarily to individuals. It also offers fixed annuities where assets accumulate until the contract is surrendered, the contractholder (or in some contracts, the annuitant) dies, or the contractholder or annuitant begins receiving benefits under an annuity payout option. It also offers immediate annuities in which payments begin within one year of issue and continue for life or for a fixed period of time. The Company’s fixed deferred annuities guarantee a relatively low annual interest rate during the accumulation period (the time before annuity payments begin). However, the Company has the option of paying a higher rate set at its discretion. In addition, persons owning an equity indexed annuity (“EIA”) may have their interest calculated based on an increase in a broad-based stock market index.

F-7

RiverSource Life Insurance Company

The Company issues both variable and fixed universal life insurance, traditional life insurance and disability income (“DI”) insurance. Universal life insurance is a form of permanent life insurance characterized by flexible premiums, flexible death benefit amounts and unbundled pricing factors (i.e., mortality, interest and expenses). Traditional life insurance refers to whole and term life insurance policies that pay a specified sum to a beneficiary upon death of the insured for a fixed premium. Variable universal life insurance combines the premium and death benefit flexibility of universal life with underlying fund investment flexibility and the risks associated therewith. Waiver of premium and accidental death benefit riders are generally available with these life insurance products in addition to other benefit riders. Indexed universal life (“IUL”) insurance is similar to universal life in many regards, although the rate of credited interest above the minimum guarantee for funds allocated to the indexed account is linked to the performance of the S&P 500 Index^® (subject to a cap and floor). The policyholder may allocate all or a portion of the policy value to a fixed or indexed account.

In 2013, RiverSource Life introduced TrioSource^sm universal life insurance with long term care benefits. TrioSource allows clients to allocate a policy’s cash value to a fixed account that begins to earn interest immediately. The base feature of TrioSource is a fixed universal life insurance policy that provides a guaranteed death benefit. The policy offers a guaranteed return of premium (“ROP”). ROP is 90% of the premium in years 1-2 and 100% of the premium in years 3 and later and is net of any partial surrenders, outstanding policy loans or long term care benefits paid. The Accelerated Benefit Rider (“ABR”) for Long-Term Care allows for the acceleration of the death benefit to help pay for covered long term care expenses. In addition, clients may purchase an optional rider which extends benefits for a specified time period after ABR benefits have been exhausted. Any long term care benefit paid reduces the death benefit, cash value and ROP. Additional riders, including an inflation protection option, are available for an additional charge.

The Company issues only non-participating life insurance policies which do not pay dividends to policyholders from realized policy margins.

Under the Company’s variable life insurance and variable annuity products described above, the purchaser may choose a fixed account option that is part of the Company’s “general account”, as well as investment options from a variety of portfolios that include common stocks, bonds, managed assets and/or short-term securities.

2.  SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Principles of Consolidation

The Company consolidates entities in which it holds a greater than 50% voting interest, or when certain conditions are met for variable interest entities (“VIEs”) and limited partnerships. Entities in which the Company exercises significant influence or holds a greater than 20% but less than 50% voting interest are accounted for under the equity method. All other investments that are not reported at fair value as trading or Available-for-Sale securities are accounted for under the cost method where the Company owns less than a 20% voting interest and does not exercise significant influence.

A VIE is an entity that either has equity investors that lack certain essential characteristics of a controlling financial interest (including substantive voting rights, the obligation to absorb the entity’s losses, or the rights to receive the entity’s returns) or has equity investors that do not provide sufficient financial resources for the entity to support its activities. A VIE is required to be assessed for consolidation under two models:

•  If the VIE is a money market fund or is an investment company, or has the financial characteristics of an investment company, and the following is true:

(i)  the entity does not have an explicit or implicit obligation to fund the investment company’s losses; and

(ii)  the investment company is not a securitization entity, asset backed financing entity, or an entity previously considered a qualifying special purpose entity,

then, the VIE will be consolidated by the entity that determines it stands to absorb a majority of the VIE’s expected losses or to receive a majority of the VIE’s expected residual returns. Examples of entities that are likely to be assessed for consolidation under this framework include hedge funds, property funds, private equity funds and venture capital funds.

•  If the VIE does not meet the criteria above, the VIE will be consolidated by the entity that determines it has both:

(i)  the power to direct the activities of the VIE that most significantly impact the VIE’s economic performance; and

(ii)  the obligation to absorb losses of the VIE that could potentially be significant to the VIE or the right to receive benefits from the VIE that could potentially be significant to the VIE.

When determining whether the Company stands to absorb the majority of a VIE’s expected losses or receive a majority of a VIE’s expected returns, it analyzes the design of the VIE to identify the variable interests it holds. Then the Company quantitatively determines whether its variable interests will absorb a majority of the VIE’s variability. If the Company determines it has control over the activities that most significantly impact the economic performance of the VIE and it will

F-8

RiverSource Life Insurance Company

absorb a majority of the VIE’s expected variability, the Company consolidates the VIE. The calculation of variability is based on an analysis of projected probability-weighted cash flows based on the design of the particular VIE. When determining whether the Company has the power and the obligation to absorb losses or rights to receive benefits from the VIE that could potentially be significant, the Company qualitatively determines if its variable interests meet these criteria. If the Company consolidates a VIE under either scenario, it is referred to as the VIE’s primary beneficiary.

Amounts Based on Estimates and Assumptions

Accounting estimates are an integral part of the Consolidated Financial Statements. In part, they are based upon assumptions concerning future events. Among the more significant are those that relate to investment securities valuation and recognition of other-than-temporary impairments, DAC and the corresponding recognition of DAC amortization, derivative instruments and hedging activities, claims reserves and income taxes and the recognition of deferred tax assets and liabilities. These accounting estimates reflect the best judgment of management and actual results could differ.

Investments

Available-for-Sale Securities

Available-for-Sale securities are carried at fair value with unrealized gains (losses) recorded in accumulated other comprehensive income, net of impacts to DAC, DSIC, certain benefit reserves, reinsurance recoverables and income taxes. Gains and losses are recognized on a trade date basis in the Consolidated Statements of Income upon disposition of the securities.

When the fair value of an investment is less than its amortized cost, the Company assesses whether or not: (i) it has the intent to sell the security (made a decision to sell) or (ii) it is more likely than not that the Company will be required to sell the security before its anticipated recovery. If either of these conditions is met, an other-than-temporary impairment is considered to have occurred and the Company must recognize an other-than-temporary impairment for the difference between the investment’s amortized cost basis and its fair value through earnings. For securities that do not meet the above criteria and the Company does not expect to recover a security’s amortized cost basis, the security is also considered other-than-temporarily impaired. For these securities, the Company separates the total impairment into the credit loss component and the amount of the loss related to other factors. The amount of the total other-than-temporary impairment related to credit loss is recognized in earnings.

The amount of the total other-than-temporary impairment related to other factors is recognized in other comprehensive income, net of impacts to DAC, DSIC, certain benefit reserves, reinsurance recoverables and income taxes. For Available-for-Sale securities that have recognized an other-than-temporary impairment through earnings, the difference between the amortized cost basis and the cash flows expected to be collected is accreted as interest income, if through subsequent evaluation there is a sustained increase in the cash flow expected. Subsequent increases and decreases in the fair value of Available-for-Sale securities are included in other comprehensive income.

The Company provides a supplemental disclosure on the face of its Consolidated Statements of Income that presents: (i) total other-than-temporary impairment losses recognized during the period and (ii) the portion of other-than-temporary impairment losses recognized in other comprehensive income. The sum of these amounts represents the credit-related portion of other-than-temporary impairments that were recognized in earnings during the period. The portion of other-than-temporary losses recognized in other comprehensive income includes: (i) the portion of other-than-temporary impairment losses related to factors other than credit recognized during the period and (ii) reclassifications of other-than-temporary impairment losses previously determined to be related to factors other than credit that are determined to be credit-related in the current period. The amount presented on the Consolidated Statements of Income as the portion of other-than-temporary losses recognized in other comprehensive income excludes subsequent increases and decreases in the fair value of these securities.

For all securities that are considered temporarily impaired, the Company does not intend to sell these securities (has not made a decision to sell) and it is not more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis. The Company believes that it will collect all principal and interest due on all investments that have amortized cost in excess of fair value that are considered only temporarily impaired.

Factors the Company considers in determining whether declines in the fair value of fixed maturity securities are other-than-temporary include: (i) the extent to which the market value is below amortized cost; (ii) the duration of time in which there has been a significant decline in value; (iii) fundamental analysis of the liquidity, business prospects and overall financial condition of the issuer; and (iv) market events that could impact credit ratings, economic and business climate, litigation and government actions, and similar external business factors. In order to determine the amount of the credit loss component for corporate debt securities considered other-than-temporarily impaired, a best estimate of the present value of cash flows expected to be collected discounted at the security’s effective interest rate is compared to the amortized cost basis

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RiverSource Life Insurance Company

of the security. The significant inputs to cash flow projections consider potential debt restructuring terms, projected cash flows available to pay creditors and the Company’s position in the debtor’s overall capital structure.

For structured investments (e.g., residential mortgage backed securities, commercial mortgage backed securities and asset backed securities), the Company also considers factors such as overall deal structure and its position within the structure, quality of underlying collateral, delinquencies and defaults, loss severities, recoveries, prepayments and cumulative loss projections in assessing potential other-than-temporary impairments of these investments. Based upon these factors, securities that have indicators of potential other-than-temporary impairment are subject to detailed review by management. Securities for which declines are considered temporary continue to be carefully monitored by management.

Mortgage Loans, net

Mortgage loans, net reflect the Company’s interest in commercial and residential mortgage loans, less the related allowance for loan losses.

Policy Loans

Policy loans include life insurance policy and annuity loans and are reported at the unpaid principal balance, plus accrued interest.

Other Investments

Other investments primarily reflect the Company’s interests in affordable housing partnerships and syndicated loans which represent investments in below investment grade loan syndications. Affordable housing partnerships are accounted for under the equity method.

Financing Receivables

Mortgage Loans and Syndicated Loans

Mortgage loans and syndicated loans are stated at amortized cost, net of allowances for loan losses, if any.

In October 2012, the Company purchased residential mortgage loans at fair value from an affiliate, Ameriprise Bank, FSB. The purchase price took into account the credit quality of the loan portfolio resulting in no allowance for loan losses recorded at the acquisition date.

Interest income is accrued on the unpaid principal balances of the loans as earned.

Policy Loans

When originated, policy loan balances do not exceed the cash surrender value of the underlying products. As there is minimal risk of loss related to these loans, the Company does not record an allowance for loan losses for policy loans.

Nonaccrual Loans

Generally, loans are evaluated for or placed on nonaccrual status when either the collection of interest or principal has become 90 days past due or is otherwise considered doubtful of collection. When a loan is placed on nonaccrual status, unpaid accrued interest is reversed. Interest payments received on loans on nonaccrual status are generally applied to principal or in accordance with the loan agreement unless the remaining principal balance has been determined to be fully collectible.

Commercial mortgage loans are evaluated for impairment when the loan is considered for nonaccrual status, restructured or foreclosure proceedings are initiated on the property. If it is determined that the fair value is less than the current loan balance, it is written down to fair value less estimated selling costs. Residential mortgage loans are charged off when management determines the assets are uncollectible and commences foreclosure proceedings on the property, at which time the property is written down to fair value less selling costs. Foreclosed property is recorded as real estate owned in other investments. Syndicated loans are placed on nonaccrual status when management determines it will not collect all contractual principal and interest on the loan.

Allowance for Loan Losses

Management determines the adequacy of the allowance for loan losses by portfolio based on the overall loan portfolio composition, recent and historical loss experience, and other pertinent factors, including when applicable, internal risk ratings, loan-to-value (“LTV”) ratios, FICO scores of the borrower and occupancy rates, along with economic and market conditions. This evaluation is inherently subjective as it requires estimates, which may be susceptible to significant change.

The Company determines the amount of the allowance required for certain sectors based on management’s assessment of relative risk characteristics of the loan portfolio. The allowance is recorded for homogeneous loan categories on a pool basis, based on an analysis of product mix and risk characteristics of the portfolio, including geographic concentration, bankruptcy experiences, and historical losses, adjusted for current trends and market conditions.

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RiverSource Life Insurance Company

While the Company attributes portions of the allowance to specific loan pools as part of the allowance estimation process, the entire allowance is available to absorb losses inherent in the total loan portfolio. The allowance is increased through provisions charged to net realized investment gains (losses) and reduced/increased by net charge-offs/recoveries.

Impaired Loans

The Company considers a loan to be impaired when, based on current information and events, it is probable the Company will not be able to collect all amounts due (both interest and principal) according to the contractual terms of the loan agreement. Impaired loans may also include loans that have been modified in troubled debt restructurings as a concession to borrowers experiencing financial difficulties. Management evaluates for impairment all restructured loans and loans with higher impairment risk factors. Factors used by the Company to determine whether all amounts due on commercial mortgage loans will be collected, include but are not limited to, the financial condition of the borrower, performance of the underlying properties, collateral and/or guarantees on the loan, and the borrower’s estimated future ability to pay based on property type and geographic location. The evaluation of impairment on residential mortgage loans is primarily driven by delinquency status of individual loans. The impairment recognized is measured as the excess of the loan’s recorded investment over: (i) the present value of its expected principal and interest payments discounted at the loan’s effective interest rate, (ii) the fair value of collateral or (iii) the loan’s observable market price.

Restructured Loans

A loan is classified as a restructured loan when the Company makes certain concessionary modifications to contractual terms for borrowers experiencing financial difficulties. When the interest rate, minimum payments, and/or due dates have been modified in an attempt to make the loan more affordable to a borrower experiencing financial difficulties, the modification is considered a troubled debt restructuring. Generally, performance prior to the restructuring or significant events that coincide with the restructuring are considered in assessing whether the borrower can meet the new terms which may result in the loan being returned to accrual status at the time of the restructuring or after a performance period. If the borrower’s ability to meet the revised payment schedule is not reasonably assured, the loan remains on nonaccrual status.

Cash and Cash Equivalents

Cash equivalents include highly liquid investments with original maturities of 90 days or less.

Restricted Cash

Total restricted cash at December 31, 2013 and 2012 was nil and $86 million, respectively, consisting of cash that has been pledged to counterparties.

Reinsurance

The Company cedes significant amounts of insurance risk to other insurers under reinsurance agreements. Reinsurance premiums paid and benefits received are accounted for consistently with the basis used in accounting for the policies from which risk is reinsured and consistently with the terms of the reinsurance contracts. Reinsurance premiums for traditional life, long term care (“LTC”) and DI, net of the change in any prepaid reinsurance asset, are reported as a reduction of premiums. Fixed and variable universal life reinsurance premiums are reported as a reduction of policy and contract charges. In addition, for fixed and variable universal life insurance policies, the net cost of reinsurance ceded, which represents the discounted amount of the expected cash flows between the reinsurer and the Company, is recognized as an asset and amortized over the term of the reinsurance contract, in proportion to the estimated gross profits and is subject to retrospective adjustment in a manner similar to retrospective adjustment of DAC. The assumptions used to project the expected cash flows are consistent with those used for DAC valuation for the same contracts. Changes in the net cost of reinsurance are reflected as a component of policy and contract charges. Reinsurance recoveries are reported as components of benefits, claims, losses and settlement expenses.

Insurance liabilities are reported before the effects of reinsurance. Policyholder account balances, future policy benefits and claims recoverable under reinsurance contracts are recorded as reinsurance recoverables.

The Company also assumes life insurance and fixed annuity risk from other insurers in limited circumstances. Reinsurance premiums received and benefits paid are accounted for consistently with the basis used in accounting for the policies from which risk is reinsured and consistently with the terms of the reinsurance contracts. Liabilities for assumed business are recorded within policyholder account balances, future policy benefits and claims.

See Note 8 for additional information on reinsurance.

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RiverSource Life Insurance Company

Land, Buildings, Equipment and Software

Land, buildings, equipment and internally developed or purchased software are carried at cost less accumulated depreciation or amortization and are reflected within other assets. The Company generally uses the straight-line method of depreciation and amortization over periods ranging from three to 30 years.

At December 31, 2013 and 2012, land, buildings, equipment and software were $166 million and $174 million, respectively, net of accumulated depreciation of $107 million and $91 million, respectively. Depreciation and amortization expense for the years ended December 31, 2013, 2012 and 2011 was $16 million, $17 million and $16 million, respectively.

Derivative Instruments and Hedging Activities

Freestanding derivative instruments are recorded at fair value and are reflected in other assets or other liabilities. The Company’s policy is to not offset fair value amounts recognized for derivatives and collateral arrangements executed with the same counterparty under the same master netting arrangement. The accounting for changes in the fair value of a derivative instrument depends on its intended use and the resulting hedge designation, if any. The Company primarily uses derivatives as economic hedges that are not designated as accounting hedges or do not qualify for hedge accounting treatment. The Company occasionally designates derivatives as (i) hedges of changes in the fair value of assets, liabilities, or firm commitments (“fair value hedges”) or (ii) hedges of a forecasted transaction or of the variability of cash flows to be received or paid related to a recognized asset or liability (“cash flow hedges”).

Derivative instruments that are entered into for hedging purposes are designated as such at the time the Company enters into the contract. For all derivative instruments that are designated for hedging activities, the Company formally documents all of the hedging relationships between the hedge instruments and the hedged items at the inception of the relationships. Management also formally documents its risk management objectives and strategies for entering into the hedge transactions. The Company formally assesses, at inception and on a quarterly basis, whether derivatives designated as hedges are highly effective in offsetting the fair value or cash flows of hedged items. If it is determined that a derivative is no longer highly effective as a hedge, the Company will discontinue the application of hedge accounting.

For derivative instruments that do not qualify for hedge accounting or are not designated as accounting hedges, changes in fair value are recognized in current period earnings. Changes in fair value of derivatives are presented in the Consolidated Statements of Income based on the nature and use of the instrument. Changes in fair value of derivatives used as economic hedges are presented in the Consolidated Statements of Income with the corresponding change in the hedged asset or liability.

For derivative instruments that qualify as fair value hedges, changes in the fair value of the derivatives, as well as changes in the fair value of the hedged assets, liabilities or firm commitments, are recognized on a net basis in current period earnings. The carrying value of the hedged item is adjusted for the change in fair value from the designated hedged risk. If a fair value hedge designation is removed or the hedge is terminated prior to maturity, previous adjustments to the carrying value of the hedged item are recognized into earnings over the remaining life of the hedged item.

For derivative instruments that qualify as cash flow hedges, the effective portion of the gain or loss on the derivative instruments is reported in accumulated other comprehensive income and reclassified into earnings when the hedged item or transaction impacts earnings. The amount that is reclassified into earnings is presented in the Consolidated Statements of Income with the hedged instrument or transaction impact. Any ineffective portion of the gain or loss is reported in current period earnings as a component of net investment income. If a hedge designation is removed or a hedge is terminated prior to maturity, the amount previously recorded in accumulated other comprehensive income is reclassified to earnings over the period that the hedged item impacts earnings. For hedge relationships that are discontinued because the forecasted transaction is not expected to occur according to the original strategy, any related amounts previously recorded in accumulated other comprehensive income are recognized in earnings immediately.

The equity components of EIA and IUL obligations are considered an embedded derivative. Additionally, certain annuities contain guaranteed minimum accumulation benefit (“GMAB”) and guaranteed minimum withdrawal benefit (“GMWB”) provisions. The GMAB and the non-life contingent benefits associated with GMWB provisions are also considered embedded derivatives.

See Note 13 for information regarding the Company’s fair value measurement of derivative instruments and Note 17 for the impact of derivatives on the Consolidated Statements of Income.

Deferred Acquisition Costs

The Company incurs costs in connection with acquiring new and renewal insurance and annuity businesses. The portion of these costs which are incremental and direct to the acquisition of a new or renewal insurance policy or annuity contract are deferred. Significant costs capitalized include sales based compensation related to the acquisition of new and renewal insurance policies and annuity contracts, medical inspection costs for successful sales, and a portion of employee

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RiverSource Life Insurance Company

compensation and benefit costs based upon the amount of time spent on successful sales. Sales based compensation paid to Ameriprise Financial Services, Inc. (“AFSI”), a subsidiary of Ameriprise Financial, advisors and employees and third-party distributors is capitalized. Employee compensation and benefits costs which are capitalized relate primarily to sales efforts, underwriting and processing. All other costs which are not incremental direct costs of acquiring an insurance policy or annuity contract are expensed as incurred. The DAC associated with insurance policies or annuity contracts that are significantly modified or internally replaced with another contract are accounted for as contract terminations. These transactions are anticipated in establishing amortization periods and other valuation assumptions.

Costs deferred as DAC are amortized over time. For annuity and universal life (“UL”) contracts, DAC are amortized based on projections of estimated gross profits over amortization periods equal to the approximate life of the business. For other insurance products, DAC are generally amortized as a percentage of premiums over amortization periods equal to the premium-paying period.

For annuity and UL insurance products, the assumptions made in projecting future results and calculating the DAC balance and DAC amortization expense are management’s best estimates. Management is required to update these assumptions whenever it appears that, based on actual experience or other evidence, earlier estimates should be revised. When assumptions are changed, the percentage of estimated gross profits used to amortize DAC might also change. A change in the required amortization percentage is applied retrospectively; an increase in amortization percentage will result in a decrease in the DAC balance and an increase in DAC amortization expense, while a decrease in amortization percentage will result in an increase in the DAC balance and a decrease in DAC amortization expense. The impact on results of operations of changing assumptions can be either positive or negative in any particular period and is reflected in the period in which such changes are made.

For traditional life, DI and LTC insurance products, the assumptions made in calculating the DAC balance and DAC amortization expense are consistent with those used in determining the liabilities and, therefore, are intended to provide for adverse deviations in experience and are revised only if management concludes experience will be so adverse that DAC are not recoverable. If management concludes that DAC are not recoverable, DAC are reduced to the amount that is recoverable based on best estimate assumptions and there is a corresponding expense recorded in the Consolidated Statements of Income.

For annuity, life, DI and LTC insurance products, key assumptions underlying those long-term projections include interest rates (both earning rates on invested assets and rates credited to contractholder and policyholder accounts), equity market performance, mortality and morbidity rates and the rates at which contractholders and policyholders are expected to surrender their contracts, make withdrawals from their contracts and make additional deposits to their contracts. Assumptions about earned and credited interest rates are the primary factors used to project interest margins, while assumptions about equity and bond market performance are the primary factors used to project client asset value growth rates, and assumptions about surrenders, withdrawals and deposits comprise projected persistency rates. Management must also make assumptions to project maintenance expenses associated with servicing its annuity and insurance businesses during the DAC amortization period.

The client asset value growth rates are the rates at which variable annuity and variable universal life (“VUL”) insurance contract values invested in separate accounts are assumed to appreciate in the future. The rates used vary by equity and fixed income investments. Management reviews and, where appropriate, adjusts its assumptions with respect to client asset value growth rates on a regular basis. The Company typically uses a five-year mean reversion process as a guideline in setting near-term equity fund growth rates based on a long-term view of financial market performance as well as recent actual performance. The suggested near-term equity fund growth rate is reviewed quarterly to ensure consistency with management’s assessment of anticipated equity market performance. DAC amortization expense recorded in a period when client asset value growth rates exceed management’s near-term estimate will typically be less than in a period when growth rates fall short of management’s near-term estimate.

The Company monitors other principal DAC amortization assumptions, such as persistency, mortality, morbidity, interest margin and maintenance expense levels each quarter and, when assessed independently, each could impact the Company’s DAC balances.

The analysis of DAC balances and the corresponding amortization is a dynamic process that considers all relevant factors and assumptions described previously. Unless the Company’s management identifies a significant deviation over the course of the quarterly monitoring, management reviews and updates these DAC amortization assumptions annually in the third quarter of each year.

Deferred Sales Inducement Costs

Sales inducement costs consist of bonus interest credits and premium credits added to certain annuity contract and insurance policy values. These benefits are capitalized to the extent they are incremental to amounts that would be credited on similar contracts without the applicable feature. The amounts capitalized are amortized using the same methodology and assumptions

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RiverSource Life Insurance Company

used to amortize DAC. DSIC is recorded in other assets and amortization of DSIC is recorded in benefits, claims, losses and settlement expenses.

Separate Account Assets and Liabilities

Separate account assets and liabilities are primarily funds held for the exclusive benefit of variable annuity contractholders and variable life insurance policyholders, who assume the related investment risk. Income and losses on separate account assets accrue directly to the contractholder or policyholder and are not reported in the Company’s Consolidated Statements of Income. Separate account assets are recorded at fair value. Changes in the fair value of separate account assets are offset by changes in the related separate account liabilities. The Company receives mortality and expense risk and other fees, guarantee fees and cost of insurance charges from the related accounts.

Policyholder Account Balances, Future Policy Benefits and Claims

Fixed Annuities and Variable Annuity Guarantees

Fixed annuities and variable annuity guarantees include amounts for fixed account values on fixed and variable deferred annuities, guaranteed benefits associated with variable annuities, EIAs and fixed annuities in a payout status.

Liabilities for fixed account values on fixed and variable deferred annuities are equal to accumulation values, which are the cumulative gross deposits and credited interest less withdrawals and various charges.

The majority of the variable annuity contracts offered by the Company contain guaranteed minimum death benefit (“GMDB”) provisions. When market values of the customer’s accounts decline, the death benefit payable on a contract with a GMDB may exceed the contract accumulation value. The Company also offers variable annuities with death benefit provisions that gross up the amount payable by a certain percentage of contract earnings, which are referred to as gain gross-up (“GGU”) benefits. In addition, the Company offers contracts containing GMWB and GMAB provisions, and until May 2007, the Company offered contracts containing guaranteed minimum income benefit (“GMIB”) provisions.

In determining the liabilities for GMDB, GMIB and the life contingent benefits associated with GMWB, the Company projects these benefits and contract assessments using actuarial models to simulate various equity market scenarios. Significant assumptions made in projecting future benefits and assessments relate to customer asset value growth rates, mortality, persistency and investment margins and are consistent with those used for DAC valuation for the same contracts. As with DAC, management reviews and, where appropriate, adjusts its assumptions each quarter. Unless management identifies a material deviation over the course of quarterly monitoring, management reviews and updates these assumptions annually in the third quarter of each year.

The GMDB liability is determined by estimating the expected value of death benefits in excess of the projected contract accumulation value and recognizing the excess over the estimated meaningful life based on expected assessments (e.g., mortality and expense fees, contractual administrative charges and similar fees).

If elected by the contract owner and after a stipulated waiting period from contract issuance, a GMIB guarantees a minimum lifetime annuity based on a specified rate of contract accumulation value growth and predetermined annuity purchase rates. The GMIB liability is determined each period by estimating the expected value of annuitization benefits in excess of the projected contract accumulation value at the date of annuitization and recognizing the excess over the estimated meaningful life based on expected assessments.

The fair value of embedded derivatives related to GMAB and the non-life contingent benefits associated with GMWB provisions fluctuates based on equity, interest rate and credit markets which can cause these embedded derivatives to be either an asset or a liability. These embedded derivatives are recorded in policyholder account balances, future policy benefits and claims. See Note 13 for information regarding the fair value measurement of embedded derivatives. The liability for the life contingent benefits associated with GMWB provisions is determined in the same way as the GMDB liability. Significant assumptions made in projecting future benefits and fees relate to persistency and benefit utilization. Management reviews, and where appropriate, adjusts its assumptions each quarter. Unless management identifies a material deviation over the course of quarterly monitoring, management reviews and updates these assumptions annually in the third quarter of each year. The changes in both the fair values of the GMWB and GMAB embedded derivatives and the liability for life contingent benefits are reflected in benefits, claims, losses and settlement expenses.

Liabilities for EIAs are equal to the host contract values covering guaranteed benefits and the fair value of embedded equity options.

Liabilities for fixed annuities in a benefit or payout status are based on future estimated payments using established industry mortality tables and interest rates.

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RiverSource Life Insurance Company

Life, Disability Income and Long Term Care Insurance

Life, DI and LTC insurance includes liabilities for fixed account values on fixed and variable universal life policies, liabilities for indexed accounts of IUL products, liabilities for unpaid amounts on reported claims, estimates of benefits payable on claims incurred but not yet reported and estimates of benefits that will become payable on term life, whole life, DI and LTC policies as claims are incurred in the future.

Liabilities for fixed account values on fixed and variable universal life insurance are equal to accumulation values. Accumulation values are the cumulative gross deposits and credited interest less various contractual expense and mortality charges and less amounts withdrawn by policyholders.

Liabilities for indexed accounts of IUL products are equal to the accumulation of host contract values covering guaranteed benefits and the fair value of embedded equity options.

A portion of the Company’s fixed and variable universal life policies have product features that result in profits followed by losses from the insurance component of the contract. These profits followed by losses can be generated by the cost structure of the product or secondary guarantees in the contract. The secondary guarantee ensures that, subject to specified conditions, the policy will not terminate and will continue to provide a death benefit even if there is insufficient policy value to cover the monthly deductions and charges.

In determining the liability for contracts with profits followed by losses, the Company projects benefits and contract assessments using actuarial models. Significant assumptions made in projecting future benefits and assessments relate to customer asset value growth rates, mortality, persistency and investment margins and are consistent with those used for DAC valuation for the same contracts. As with DAC, management reviews, and where appropriate, adjusts its assumptions each quarter. Unless management identifies a material deviation over the course of quarterly monitoring, management reviews and updates these assumptions annually in the third quarter of each year.

The liability for these future losses is determined by estimating the death benefits in excess of account value and recognizing the excess over the estimated meaningful life based on expected assessments (e.g. cost of insurance charges, contractual administrative charges, similar fees and investment margin). See Note 9 for information regarding the liability for contracts with secondary guarantees.

Liabilities for unpaid amounts on reported life insurance claims are equal to the death benefits payable under the policies. Liabilities for unpaid amounts on reported DI and LTC claims include any periodic or other benefit amounts due and accrued, along with estimates of the present value of obligations for continuing benefit payments. These amounts are calculated based on claim continuance tables which estimate the likelihood an individual will continue to be eligible for benefits. Present values are calculated at interest rates established when claims are incurred. Anticipated claim continuance rates are based on established industry tables, adjusted as appropriate for the Company’s experience.

Liabilities for estimated benefits payable on claims that have been incurred but not yet reported are based on periodic analysis of the actual time lag between when a claim occurs and when it is reported.

Liabilities for estimates of benefits that will become payable on future claims on term life, whole life, DI and LTC policies are based on the net level premium method, using anticipated premium payments, mortality and morbidity rates, policy persistency and interest rates earned on assets supporting the liability. Anticipated mortality and morbidity rates are based on established industry mortality and morbidity tables, with modifications based on the Company’s experience. Anticipated premium payments and persistency rates vary by policy form, issue age, policy duration and certain other pricing factors.

Changes in policyholder account balances, future policy benefits and claims are reflected in earnings in the period adjustments are made.

Where applicable, benefit amounts expected to be recoverable from reinsurance companies who share in the risk are separately recorded as reinsurance recoverables.

Sources of Revenue

The Company’s principal sources of revenue include premiums, net investment income and policy and contract charges.

Premiums

Premiums include premiums on traditional life, DI and LTC insurance products and immediate annuities with a life contingent feature. Premiums are reported net of reinsurance ceded and are recognized as revenue when due.

Net Investment Income

Net investment income primarily includes interest income on fixed maturity securities classified as Available-for-Sale, commercial and residential mortgage loans, policy loans, other investments and cash and cash equivalents; the changes in fair value of certain derivatives; and the pro-rata share of net income or loss on equity method investments. Interest income is

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RiverSource Life Insurance Company

accrued as earned using the effective interest method, which makes an adjustment of the yield for security premiums and discounts on all performing fixed maturity securities classified as Available-for-Sale and on the residential mortgage loans so that the related security or loan recognizes a constant rate of return on the outstanding balance throughout its term.

Policy and Contract Charges

Policy and contract charges include mortality and expense risk fees and certain other charges assessed on annuities and fixed and variable universal life insurance, which consist of cost of insurance charges, net of reinsurance premiums and cost of reinsurance for universal life insurance products, and administrative and surrender charges. Mortality and expense risk fees include risk, management and administration fees, which are generated directly and indirectly from the Company’s separate account assets. Cost of insurance charges on fixed and variable universal life insurance and contract charges and surrender charges on annuities and fixed and variable universal life insurance are recognized as revenue when assessed.

Net Realized Investment Gains (Losses)

Net realized investment gains (losses) primarily include realized gains and losses on the sale of securities and charges for the other-than-temporary impairments of investments related to credit losses. Realized gains and losses on the sale of securities, other than equity method investments, are recognized using the specific identification method, on a trade date basis.

Other Revenues

Other revenues primarily include fees received under marketing support arrangements which are calculated as a percentage of the Company’s separate account assets.

Other Insurance and Operating Expenses

Other insurance and operating expenses include expenses allocated to the Company from its parent, Ameriprise Financial, for the Company’s share of compensation, professional and consultant fees and expenses associated with information technology and communications, facilities and equipment, advertising and promotion and legal and regulatory costs. Also included are commissions, sales and marketing expenses and other operating expenses. These expenses are presented net of acquisition cost deferrals.

Income Taxes

The Company qualifies as a life insurance company for federal income tax purposes. As such, the Company is subject to the Internal Revenue Code provisions applicable to life insurance companies.

The Company’s taxable income is included in the consolidated federal income tax return of Ameriprise Financial. The Company provides for income taxes on a separate return basis, except that, under an agreement between Ameriprise Financial and the Company, tax benefits are recognized for losses to the extent they can be used in the consolidated return. It is the policy of Ameriprise Financial that it will reimburse its subsidiaries for any tax benefits recorded.

The Company’s provision for income taxes represents the net amount of income taxes that the Company expects to pay or to receive from various taxing jurisdictions in connection with its operations. The Company provides for income taxes based on amounts that the Company believes it will ultimately owe taking into account the recognition and measurement for uncertain tax positions. Inherent in the provision for income taxes are estimates and judgments regarding the tax treatment of certain items.

In connection with the provision for income taxes, the Consolidated Financial Statements reflect certain amounts related to deferred tax assets and liabilities, which result from temporary differences between the assets and liabilities measured for financial statement purposes versus the assets and liabilities measured for tax return purposes.

The Company is required to establish a valuation allowance for any portion of its deferred tax assets that management believes will not be realized. Significant judgment is required in determining if a valuation allowance should be established and the amount of such allowance if required. Factors used in making this determination include estimates relating to the performance of the business including the ability to generate capital gains. Consideration is given to, among other things in making this determination: (i) future taxable income exclusive of reversing temporary differences and carryforwards; (ii) future reversals of existing taxable temporary differences; (iii) taxable income in prior carryback years; and (iv) tax planning strategies. Management may need to identify and implement appropriate planning strategies to ensure its ability to realize deferred tax assets and avoid the establishment of a valuation allowance with respect to such assets. In the opinion of management, it is currently more likely than not that the Company will not realize the full benefit of certain state deferred tax assets, primarily state net operating losses and therefore a valuation allowance of $6 million has been established at December 31, 2013.

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RiverSource Life Insurance Company

3.  RECENT ACCOUNTING PRONOUNCEMENTS

Adoption of New Accounting Standards

Comprehensive Income

In February 2013, the Financial Accounting Standards Board (“FASB”) updated the accounting standard related to comprehensive income. The update requires entities to provide information about significant amounts reclassified out of accumulated other comprehensive income (“AOCI”). The standard is effective for interim and annual periods beginning after December 15, 2012 and is required to be applied prospectively. The Company adopted the standard in the first quarter of 2013. The adoption of the standard did not have any effect on the Company’s consolidated financial condition and results of operations. See Note 18 for the required disclosures.

Balance Sheet

In December 2011, the FASB updated the accounting standards to require new disclosures about offsetting assets and liabilities. The standard requires an entity to disclose both gross and net information about certain financial instruments and transactions subject to master netting arrangements (or similar agreements) or eligible for offset in the statement of financial position. The standard is effective for interim and annual periods beginning on or after January 1, 2013 on a retrospective basis. The Company adopted the standard in the first quarter of 2013. The adoption of the standard did not have any effect on the Company’s consolidated financial condition and results of operations. See Note 16 for the required disclosures.

Accounting for Costs Associated with Acquiring or Renewing Insurance Contracts

In October 2010, the FASB updated the accounting standard for DAC. Under this new standard, only the following costs incurred in the acquisition of new and renewal insurance contracts are capitalizable as DAC: (i) incremental direct costs of a successful contract acquisition, (ii) portions of employees’ compensation and benefits directly related to time spent performing acquisition activities (that is, underwriting, policy issuance and processing, medical and inspection, and contract selling) for a contract that has been acquired, (iii) other costs related to acquisition activities that would not have been incurred had the acquisition of the contract not occurred, and (iv) advertising costs that meet the capitalization criteria in other GAAP guidance for certain direct-response marketing. All other acquisition related costs are expensed as incurred. The Company retrospectively adopted the new standard on January 1, 2012. The cumulative effect of the adoption reduced retained earnings by $1.4 billion after-tax and increased AOCI by $112 million after-tax, totaling to a $1.3 billion after-tax reduction in total equity at January 1, 2012.

Future Adoption of New Accounting Standards

Receivables — Troubled Debt Restructuring by Creditors

In January 2014, the FASB updated the accounting standard related to recognizing residential real estate obtained through a repossession or foreclosure from a troubled debtor. The update clarifies the criteria for derecognition of the loan receivable and recognition of the real estate property. The standard is effective for interim and annual periods beginning after December 15, 2014 and can be applied under a modified retrospective transition method or a prospective transition method. Early adoption is permitted. The adoption of the standard is not expected to have a material impact on the Company’s consolidated financial condition and results of operations.

Investments — Equity Method and Joint Ventures

In January 2014, the FASB updated the accounting standard related to investments in qualified affordable housing projects. The update allows for an accounting policy election to account for investments in qualified affordable housing projects using the proportional amortization method if certain conditions are met. Under the proportional amortization method, the investment in a qualified affordable housing project is amortized in proportion to the tax credits and other tax benefits received. The net investment performance is recognized as a component of income tax expense (benefit). The standard is effective for interim and annual periods beginning after December 15, 2014 and should be applied retrospectively to all periods presented. Early adoption is permitted. The Company is currently evaluating the impact of the standard on its consolidated financial condition and results of operations.

Income Taxes

In July 2013, the FASB updated the accounting standard for income taxes. The update provides guidance on the financial statement presentation of an unrecognized tax benefit when a net operating loss carryforward, a similar tax loss, or a tax credit carryforward exists. The standard is effective for interim and annual periods beginning after December 15, 2013 and should be applied prospectively to all unrecognized tax benefits that exist at the effective date. Retrospective application is permitted. The adoption of the standard is not expected to have a material impact on the Company’s consolidated financial condition and results of operations.

F-17

RiverSource Life Insurance Company

4.  VARIABLE INTEREST ENTITIES

RTA, a subsidiary of RiverSource Life Insurance Company, has variable interests in affordable housing partnerships for which it is not the primary beneficiary and, therefore, does not consolidate.

RTA’s maximum exposure to loss as a result of its investments in the affordable housing partnerships is limited to the carrying values of these investments. The carrying values are reflected in other investments and were $495 million and $409 million as of December 31, 2013 and 2012, respectively. RTA has no obligation to provide financial or other support to the affordable housing partnerships in addition to liabilities already recorded for future funding commitments nor has it provided any additional support to the affordable housing partnerships. The Company had liabilities of $137 million and $144 million recorded in other liabilities as of December 31, 2013 and 2012, respectively, related to the future funding commitments for affordable housing partnerships.

5.  INVESTMENTS

Available-for-Sale securities distributed by type were as follows:

	December 31, 2013
			Gross		Gross
	Amortized		Unrealized		Unrealized			Fair		Noncredit
Description of Securities (in millions)	Cost		Gains		Losses			Value		OTTI(1)
Fixed maturities:
Corporate debt securities	$	14,658	$	1,311	$	(96	)	$	15,873	$	3
Residential mortgage backed securities		3,773		133		(95	)		3,811		(18	)
Commercial mortgage backed securities		2,309		136		(11	)		2,434		—
State and municipal obligations		950		87		(39	)		998		—
Asset backed securities		938		48		(5	)		981		—
Foreign government bonds and obligations		234		19		(8	)		245		—
U.S. government and agencies obligations		40		5		—			45		—
Total fixed maturities		22,902		1,739		(254	)		24,387		(15	)
Common stocks		2		4		—			6		2
Total	$	22,904	$	1,743	$	(254	)	$	24,393	$	(13	)

	December 31, 2012
			Gross		Gross
	Amortized		Unrealized		Unrealized			Fair		Noncredit
Description of Securities (in millions)	Cost		Gains		Losses			Value		OTTI(1)
Fixed maturities:
Corporate debt securities	$	14,881	$	2,167	$	(7	)	$	17,041	$	—
Residential mortgage backed securities		3,446		233		(58	)		3,621		(24	)
Commercial mortgage backed securities		2,717		287		—			3,004		—
State and municipal obligations		976		180		(34	)		1,122		—
Asset backed securities		808		66		(3	)		871		—
Foreign government bonds and obligations		188		36		—			224		—
U.S. government and agencies obligations		42		7		—			49		—
Total fixed maturities		23,058		2,976		(102	)		25,932		(24	)
Common stocks		2		2		—			4		1
Total	$	23,060	$	2,978	$	(102	)	$	25,936	$	(23	)

⁽¹⁾ Represents the amount of other-than-temporary impairment (“OTTI”) losses in accumulated other comprehensive income. Amount includes unrealized gains and losses on impaired securities subsequent to the initial impairment measurement date. These amounts are included in gross unrealized gains and losses as of the end of the period.

As of December 31, 2013 and 2012, investment securities with a fair value of $2.3 billion and $1.3 billion, respectively, were pledged to meet contractual obligations under derivative contracts and repurchase agreements.

At December 31, 2013 and 2012, fixed maturity securities comprised approximately 83% and 84%, respectively, of the Company’s total investments. Rating agency designations are based on the availability of ratings from Nationally Recognized Statistical Rating Organizations (“NRSROs”), including Moody’s Investors Service (“Moody’s”), Standard & Poor’s Ratings Services (“S&P”) and Fitch Ratings Ltd. (“Fitch”). The Company uses the median of available ratings from Moody’s, S&P and Fitch, or if fewer than three ratings are available, the lower rating is used. When ratings from Moody’s, S&P and Fitch are unavailable, the Company may utilize ratings from other NRSROs or rate the securities internally. At December 31, 2013 and 2012, approximately $1.3 billion and $1.5 billion, respectively, of securities were internally rated by Columbia Management Investment Advisers, LLC (“CMIA”) using criteria similar to those used by NRSROs.

F-18

RiverSource Life Insurance Company

A summary of fixed maturity securities by rating was as follows:

	December 31, 2013							December 31, 2012
					Percent of							Percent of
	Amortized		Fair		Total Fair			Amortized		Fair		Total Fair
Ratings (in millions, except percentages)	Cost		Value		Value			Cost		Value		Value
AAA	$	5,557	$	5,738		23	%	$	5,680	$	6,198		24	%
AA		1,055		1,171		5			1,102		1,273		5
A		4,687		5,062		21			4,262		4,849		19
BBB		10,062		10,897		45			10,409		12,019		46
Below investment grade		1,541		1,519		6			1,605		1,593		6
Total fixed maturities	$	22,902	$	24,387		100	%	$	23,058	$	25,932		100	%

At December 31, 2013 and 2012, approximately 41% and 32%, respectively, of the securities rated AAA were GNMA, FNMA and FHLMC mortgage backed securities. No holdings of any other issuer were greater than 10% of total equity.

The following tables provide information about Available-for-Sale securities with gross unrealized losses and the length of time that individual securities have been in a continuous unrealized loss position:

(in millions, except	December 31, 2013
number of securities)	Less than 12 months							12 months or more							Total
	Number of		Fair		Unrealized			Number of		Fair		Unrealized			Number of		Fair		Unrealized
Description of Securities	Securities		Value		Losses			Securities		Value		Losses			Securities		Value		Losses
Corporate debt securities		156	$	2,567	$	(82	)		10	$	160	$	(14	)		166	$	2,727	$	(96	)
Residential mortgage backed securities		52		1,411		(54	)		45		295		(41	)		97		1,706		(95	)
Commercial mortgage backed securities		27		323		(9	)		3		22		(2	)		30		345		(11	)
State and municipal obligations		4		38		(2	)		2		92		(37	)		6		130		(39	)
Asset backed securities		17		219		(4	)		3		26		(1	)		20		245		(5	)
Foreign government bonds and obligations		23		77		(8	)		—		—		—			23		77		(8	)
Total		279	$	4,635	$	(159	)		63	$	595	$	(95	)		342	$	5,230	$	(254	)

(in millions, except	December 31, 2012
number of securities)	Less than 12 months							12 months or more							Total
	Number of		Fair		Unrealized			Number of		Fair		Unrealized			Number of		Fair		Unrealized
Description of Securities	Securities		Value		Losses			Securities		Value		Losses			Securities		Value		Losses
Corporate debt securities		50	$	477	$	(4	)		6	$	70	$	(3	)		56	$	547	$	(7	)
Residential mortgage backed securities		6		107		—			56		293		(58	)		62		400		(58	)
State and municipal obligations		—		—		—			2		100		(34	)		2		100		(34	)
Asset backed securities		1		10		—			5		86		(3	)		6		96		(3	)
Total		57	$	594	$	(4	)		69	$	549	$	(98	)		126	$	1,143	$	(102	)

As part of the Company’s ongoing monitoring process, management determined that a majority of the change in gross unrealized losses on its Available-for-Sale securities is attributable to movement in interest rates.

The following table presents a rollforward of the cumulative amounts recognized in the Consolidated Statements of Income for other-than-temporary impairments related to credit losses on securities for which a portion of the securities’ total other-than-temporary impairments was recognized in other comprehensive income (loss):

	December 31,
(in millions)	2013			2012			2011
Beginning balance	$	87		$	106		$	108
Credit losses for which an other-than-temporary impairment was not previously recognized		2			1			13
Credit losses for which an other-than-temporary impairment was previously recognized		4			16			11
Reductions for securities sold during the period (realized)		(39	)		(36	)		(26	)
Ending balance	$	54		$	87		$	106

The change in net unrealized securities gains (losses) in other comprehensive income (loss) includes three components, net of tax: (i) unrealized gains (losses) that arose from changes in the market value of securities that were held during the period; (ii)

F-19

RiverSource Life Insurance Company

(gains) losses that were previously unrealized, but have been recognized in current period net income due to sales of Available-for-Sale securities and due to the reclassification of noncredit other-than-temporary impairment losses to credit losses; and (iii) other items primarily consisting of adjustments in asset and liability balances, such as DAC, DSIC, benefit reserves and reinsurance recoverables, to reflect the expected impact on their carrying values had the unrealized gains (losses) been realized as of the respective balance sheet dates.

The following table presents a rollforward of the net unrealized securities gains (losses) on Available-for-Sale securities included in accumulated other comprehensive income:

							Accumulated Other
	Net						Comprehensive Income (Loss)
	Unrealized						Related to Net
	Securities			Deferred			Unrealized Securities
(in millions)	Gains (Loss)			Income Tax			Gains (Loss)
Balance at January 1, 2011	$	1,215		$	(425	)	$	790
Net unrealized securities gains arising during the period(1)		560			(196	)		364
Reclassification of net securities gains included in net income		(5	)		2			(3	)
Impact of DAC, DSIC, benefit reserves and reinsurance recoverables		(299	)		105			(194	)
Balance at December 31, 2011		1,471			(514	)		957	(2)
Net unrealized securities gains arising during the period(1)		694			(243	)		451
Reclassification of net securities losses included in net income		2			(1	)		1
Impact of DAC, DSIC, benefit reserves and reinsurance recoverables		(237	)		83			(154	)
Balance at December 31, 2012		1,930			(675	)		1,255	(2)
Net unrealized securities losses arising during the period(1)		(1,382	)		478			(904	)
Reclassification of net securities gains included in net income		(5	)		2			(3	)
Impact of DAC, DSIC, benefit reserves and reinsurance recoverables		490			(171	)		319
Balance at December 31, 2013	$	1,033		$	(366	)	$	667	(2)

(1)	Includes other-than-temporary impairment losses on Available-for-Sale securities related to factors other than credit that were recognized in other comprehensive income (loss) during the period.
(2)	Includes $7 million, $15 million and $20 million of noncredit related impairments on securities and net unrealized securities losses on previously impaired securities at December 31, 2013, 2012 and 2011, respectively.

Net realized gains and losses on Available-for-Sale securities, determined using the specific identification method, recognized in net realized investment gains (losses) were as follows:

	Years Ended December 31,
(in millions)	2013			2012			2011
Gross realized investment gains	$	11		$	16		$	48
Gross realized investment losses		—			(1	)		(20	)
Other-than-temporary impairments		(6	)		(17	)		(24	)
Total	$	5		$	(2	)	$	4

Other-than-temporary impairments for the years ended December 31, 2013, 2012 and 2011 primarily related to credit losses on non-agency residential mortgage backed securities.

Available-for-Sale securities by contractual maturity at December 31, 2013 were as follows:

	Amortized
(in millions)	Cost		Fair Value
Due within one year	$	1,040	$	1,061
Due after one year through five years		4,747		5,130
Due after five years through 10 years		6,558		6,930
Due after 10 years		3,537		4,040
		15,882		17,161
Residential mortgage backed securities		3,773		3,811
Commercial mortgage backed securities		2,309		2,434
Asset backed securities		938		981
Common stocks		2		6
Total	$	22,904	$	24,393

Actual maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations. Residential mortgage backed securities, commercial mortgage backed securities and asset backed securities are not due at a single maturity date. As such, these securities, as well as common stocks, were not included in the maturities distribution.

F-20

RiverSource Life Insurance Company

Net investment income is summarized as follows:

	Years Ended December 31,
(in millions)	2013		2012		2011
Income on fixed maturities	$	1,205	$	1,324	$	1,469
Income on mortgage loans		202		158		149
Other investments		37		26		18
		1,444		1,508		1,636
Less: investment expenses		33		28		43
Total	$	1,411	$	1,480	$	1,593

Net realized investment gains (losses) are summarized as follows:

	Years Ended December 31,
(in millions)	2013			2012			2011
Fixed maturities	$	5		$	(2	)	$	4
Mortgage loans		(1	)		—			2
Other investments		(1	)		(1	)		(1	)
Total	$	3		$	(3	)	$	5

6.  FINANCING RECEIVABLES

The Company’s financing receivables include commercial and residential mortgage loans, syndicated loans and policy loans. Syndicated loans are reflected in other investments. Policy loans do not exceed the cash surrender value of the policy at origination. As there is minimal risk of loss related to policy loans, the Company does not record an allowance for loan losses for policy loans. The Company does not currently have an allowance for loan losses for residential mortgage loans purchased in 2012.

Allowance for Loan Losses

The following tables present a rollforward of the allowance for loan losses for the years ended and the ending balance of the allowance for loan losses by impairment method and type of loan:

	December 31, 2013
	Commercial			Syndicated
(in millions)	Mortgage Loans			Loans		Total
Beginning balance	$	26		$	4	$	30
Charge-offs		(2	)		—		(2	)
Ending balance	$	24		$	4	$	28
Individually evaluated for impairment	$	8		$	—	$	8
Collectively evaluated for impairment		16			4		20

	December 31, 2012
	Commercial			Syndicated
(in millions)	Mortgage Loans			Loans			Total
Beginning balance	$	32		$	5		$	37
Charge-offs		(6	)		(1	)		(7	)
Ending balance	$	26		$	4		$	30
Individually evaluated for impairment	$	5		$	—		$	5
Collectively evaluated for impairment		21			4			25

	December 31, 2011
	Commercial			Syndicated
(in millions)	Mortgage Loans			Loans		Total
Beginning balance	$	36		$	5	$	41
Charge-offs		(3	)		—		(3	)
Provisions		(1	)		—		(1	)
Ending balance	$	32		$	5	$	37
Individually evaluated for impairment	$	9		$	—	$	9
Collectively evaluated for impairment		23			5		28

F-21

RiverSource Life Insurance Company

The recorded investment in financing receivables by impairment method and type of loan was as follows:

	December 31, 2013
	Commercial		Residential		Syndicated
(in millions)	Mortgage Loans		Mortgage Loans		Loans		Total
Individually evaluated for impairment	$	40	$	—	$	5	$	45
Collectively evaluated for impairment		2,524		786		356		3,666
Total	$	2,564	$	786	$	361	$	3,711

	December 31, 2012
	Commercial		Residential		Syndicated
(in millions)	Mortgage Loans		Mortgage Loans		Loans		Total
Individually evaluated for impairment	$	39	$	—	$	—	$	39
Collectively evaluated for impairment		2,442		934		303		3,679
Total	$	2,481	$	934	$	303	$	3,718

As of December 31, 2013 and 2012, the Company’s recorded investment in financing receivables individually evaluated for impairment for which there was no related allowance for loan losses was $12 million and $10 million, respectively.

Residential mortgage loans are presented net of unamortized discount of $53 million and $80 million as of December 31, 2013 and 2012, respectively.

Purchases and sales of loans were as follows:

	Years Ended December 31,
(in millions)	2013		2012		2011
Purchases
Residential mortgage loans	$	—	$	954	$	—
Syndicated loans		158		111		194
Total loans purchased	$	158	$	1,065	$	194
Sales
Syndicated loans	$	2	$	9	$	2

The Company has not acquired any loans with deteriorated credit quality as of the acquisition date.

Credit Quality Information

Nonperforming loans, which are generally loans 90 days or more past due, were $20 million and $4 million as of December 31, 2013 and 2012, respectively. All other loans were considered to be performing.

Commercial Mortgage Loans

The Company reviews the credit worthiness of the borrower and the performance of the underlying properties in order to determine the risk of loss on commercial mortgage loans. Based on this review, the commercial mortgage loans are assigned an internal risk rating, which management updates as necessary. Commercial mortgage loans which management has assigned its highest risk rating were 2% of total commercial mortgage loans at both December 31, 2013 and 2012. Loans with the highest risk rating represent distressed loans which the Company has identified as impaired or expects to become delinquent or enter into foreclosure within the next six months. In addition, the Company reviews the concentrations of credit risk by region and property type.

F-22

RiverSource Life Insurance Company

Concentrations of credit risk of commercial mortgage loans by U.S. region were as follows:

	Loans				Percentage
			December 31,		December 31,			December 31,
	December 31, 2013		2012		2013			2012
	(in millions)
South Atlantic	$	679	$	625		26	%		25	%
Pacific		631		565		25			23
East North Central		248		255		10			10
Mountain		248		262		10			11
Middle Atlantic		202		198		8			8
West North Central		194		216		7			9
West South Central		153		159		6			6
New England		138		135		5			5
East South Central		71		66		3			3
		2,564		2,481		100	%		100	%
Less: allowance for loan losses		24		26
Total	$	2,540	$	2,455

Concentrations of credit risk of commercial mortgage loans by property type were as follows:

	Loans				Percentage
	December 31,		December 31,		December 31,			December 31,
	2013		2012		2013			2012
	(in millions)
Retail	$	917	$	822		36	%		33	%
Office		548		597		21			24
Apartments		454		415		18			17
Industrial		431		449		17			18
Mixed use		36		42		1			2
Hotel		32		36		1			1
Other		146		120		6			5
		2,564		2,481		100	%		100	%
Less: allowance for loan losses		24		26
Total	$	2,540	$	2,455

Residential Mortgage Loans

In October 2012, the Company purchased $954 million of residential mortgage loans at fair value from an affiliate, Ameriprise Bank, FSB. The purchase price took into account the credit quality of the loan portfolio resulting in no allowance for loan losses recorded at purchase. The Company considers the credit worthiness of borrowers (FICO score), collateral characteristics such as LTV and geographic concentration to determine when an amount for an allowance for loan losses for residential mortgage loans is appropriate. At a minimum, management updates FICO scores and LTV ratios semiannually. As of December 31, 2013 and 2012, no allowance for loan losses was recorded.

As of December 31, 2013 and 2012, approximately 4% and 3%, respectively, of residential mortgage loans had FICO scores below 640. At December 31, 2013 and 2012, approximately 1% and 7%, respectively, of the Company’s residential mortgage loans had LTV ratios greater than 90%. The Company’s most significant geographic concentration for residential mortgage loans is in California representing 38% of the portfolio as of both December 31, 2013 and 2012. No other state represents more than 10% of the total residential mortgage loan portfolio.

Syndicated Loans

The Company’s syndicated loan portfolio is diversified across industries and issuers. The primary credit indicator for syndicated loans is whether the loans are performing in accordance with the contractual terms of the syndication. Total nonperforming syndicated loans at December 31, 2013 and 2012 were $3 million and $2 million, respectively.

F-23

RiverSource Life Insurance Company

Troubled Debt Restructurings

The following table presents the number of loans restructured by the Company during the period and their recorded investment at the end of the period:

	Years Ended December 31,
	2013				2012
	Number of		Recorded		Number of		Recorded
(in millions, except number of loans)	Loans		Investment		Loans		Investment
Commercial mortgage loans		7	$	22		4	$	13
Residential mortgage loans		2		—		—		—
Syndicated loans		—		—		2		1
Total		9	$	22		6	$	14

The troubled debt restructurings did not have a material impact to the Company’s allowance for loan losses or income recognized for the years ended December 31, 2013 and 2012. There are no commitments to lend additional funds to borrowers whose loans have been restructured.

7.  DEFERRED ACQUISITION COSTS AND DEFERRED SALES INDUCEMENT COSTS

In the third quarter of the year, management conducts its annual review of insurance and annuity valuation assumptions relative to current experience and management expectations. To the extent that expectations change as a result of this review, management updates valuation assumptions. The impact in the third quarter of 2013 primarily reflected expected higher interest rates and changes in assumed policyholder behavior. The impact in the third quarter of 2012 and 2011 primarily reflected the low interest rate environment and for 2012, the assumption of continued low interest rates over the near-term.

The balances of and changes in DAC were as follows:

(in millions)	2013			2012			2011
Balance at January 1	$	2,373		$	2,413		$	2,521
Capitalization of acquisition costs		269			253			282
Amortization, excluding the impact of valuation assumptions review		(219	)		(214	)		(305	)
Amortization, impact of valuation assumptions review		78			(11	)		(31	)
Impact of change in net unrealized securities losses (gains)		132			(68	)		(54	)
Balance at December 31	$	2,633		$	2,373		$	2,413

The balances of and changes in DSIC, which is included in other assets, were as follows:

(in millions)	2013			2012			2011
Balance at January 1	$	404		$	464		$	545
Capitalization of sales inducement costs		5			7			9
Amortization, excluding the impact of valuation assumptions review		(48	)		(45	)		(70	)
Amortization, impact of valuation assumptions review		25			(13	)		(11	)
Impact of change in net unrealized securities losses (gains)		23			(9	)		(9	)
Balance at December 31	$	409		$	404		$	464

8.  REINSURANCE

For most new life insurance policies, the Company reinsures 90% of the death benefit liability. The Company began reinsuring risks at this level in 2001 (RiverSource Life of NY began in 2002) for term life insurance and 2002 (2003 for RiverSource Life of NY) for individual fixed and variable universal life insurance. Policies issued prior to these dates are not subject to these same reinsurance levels.

However, for IUL policies issued after September 1, 2013, the Company generally reinsures 50% of the death benefit liability. Similarly, the Company reinsures 50% of the death benefit and morbidity liabilities related to the TrioSource universal life product launched in 2013.

Generally, the maximum amount of life insurance risk retained by the Company is $1.5 million on a single life and $1.5 million on any flexible premium survivorship life policy. Risk on fixed and variable universal life policies is reinsured on a yearly renewable term basis. Risk on most term life policies starting in 2001 (2002 for RiverSource Life of NY) is reinsured on a coinsurance basis, a type of reinsurance in which the reinsurer participates proportionally in all material risks and premiums associated with a policy.

The Company also has life insurance and fixed annuity risk previously assumed under reinsurance arrangements with unaffiliated insurance companies.

F-24

RiverSource Life Insurance Company

For existing LTC policies, the Company ceded 50% of the risk on a coinsurance basis to subsidiaries of Genworth Financial, Inc. (“Genworth”) and retained the remaining risk. For RiverSource Life of NY, this reinsurance arrangement applies for 1996 and later issues only.

Generally, the Company retains at most $5,000 per month of risk per life on DI policies sold on policy forms introduced in most states in 2007 (2010 for RiverSource Life of NY) and reinsures the remainder of the risk on a coinsurance basis with unaffiliated reinsurance companies. The Company retains all risk for new claims on DI contracts sold on other policy forms. The Company also retains all risk on accidental death benefit claims and substantially all risk associated with waiver of premium provisions.

At December 31, 2013 and 2012, traditional life and universal life insurance in force aggregated $194.1 billion and $191.4 billion, respectively, of which $142.1 billion and $138.6 billion were reinsured at the respective year ends. Life insurance in force is reported on a statutory basis.

The effect of reinsurance on premiums was as follows:

	Years Ended December 31,
(in millions)	2013			2012			2011
Direct premiums	$	650		$	661		$	707
Reinsurance ceded		(220	)		(219	)		(214	)
Net premiums	$	430		$	442		$	493

Policy and contract charges are presented on the Consolidated Statements of Income net of $87 million, $79 million and $71 million of reinsurance ceded for the years ended December 31, 2013, 2012 and 2011, respectively.

Reinsurance recovered from reinsurers was $226 million, $196 million and $189 million for the years ended December 31, 2013, 2012 and 2011, respectively. Reinsurance contracts do not relieve the Company from its primary obligation to policyholders.

Reinsurance recoverables include approximately $1.7 billion and $1.6 billion related to LTC risk ceded to Genworth as of December 31, 2013 and 2012, respectively. Included in policyholder account balances, future policy benefits and claims is $597 million and $615 million related to previously assumed reinsurance arrangements as of December 31, 2013 and 2012, respectively.

9.  POLICYHOLDER ACCOUNT BALANCES, FUTURE POLICY BENEFITS AND CLAIMS AND SEPARATE ACCOUNT LIABILITIES

Policyholder account balances, future policy benefits and claims consisted of the following:

	December 31,
(in millions)	2013			2012
Policyholder account balances
Fixed annuities	$	13,826		$	14,420
Variable annuity fixed sub-accounts		4,926			4,833
VUL/UL insurance		2,790			2,725
IUL insurance		315			137
Other life insurance		878			909
Total policyholder account balances		22,735			23,024
Future policy benefits
Variable annuity GMWB		(383	)(1)		799
Variable annuity GMAB		(62	)(1)		103
Other annuity liabilities		76			158
Fixed annuities life contingent liabilities		1,523			1,520
EIA		29			33
Life, DI and LTC insurance		4,739			4,703
VUL/UL and other life insurance additional liabilities		336			330
Total future policy benefits		6,258			7,646
Policy claims and other policyholders’ funds		156			132
Total policyholder account balances, future policy benefits and claims	$	29,149		$	30,802

⁽¹⁾ Includes the value of GMWB and GMAB embedded derivatives which was a net asset at December 31, 2013 and the amount is reported as a contra liability.

F-25

RiverSource Life Insurance Company

Separate account liabilities consisted of the following:

	December 31,
(in millions)	2013		2012
Variable annuity	$	70,687	$	63,302
VUL insurance		6,885		6,051
Other insurance		44		42
Total	$	77,616	$	69,395

Fixed Annuities

Fixed annuities include both deferred and payout contracts. Deferred contracts offer a guaranteed minimum rate of interest and security of the principal invested. Payout contracts guarantee a fixed income payment for life or the term of the contract. The Company generally invests the proceeds from the annuity payments in fixed rate securities.

The Index 500 Annuity, the Company’s EIA product, is a single premium deferred fixed annuity. The contract is issued with an initial term of seven years and interest earnings are linked to the performance of the S&P 500 Index^®. This annuity has a minimum interest rate guarantee of 3% on 90% of the initial premium, adjusted for any surrenders. The Company generally invests the proceeds from the annuity deposits in fixed rate securities and hedges the equity risk with derivative instruments. See Note 17 for additional information regarding the Company’s derivative instruments. In 2007, the Company discontinued new sales of EIAs.

Variable Annuities

Purchasers of variable annuities can select from a variety of investment options and can elect to allocate a portion to a fixed account. A vast majority of the premiums received for variable annuity contracts are held in separate accounts where the assets are held for the exclusive benefit of those contractholders.

Most of the variable annuity contracts currently issued by the Company contain one or more guaranteed benefits, including GMWB, GMAB, GMDB and GGU provisions. The Company previously offered contracts with GMIB provisions. See Note 2 and Note 10 for additional information regarding the Company’s variable annuity guarantees. The Company does not currently hedge its risk under the GGU and GMIB provisions. See Note 17 for additional information regarding derivative instruments used to hedge risks related to GMWB, GMAB and GMDB provisions.

Insurance Liabilities

VUL/UL is the largest group of insurance policies written by the Company. Purchasers of VUL can select from a variety of investment options and can elect to allocate a portion to a fixed account or a separate account. A vast majority of the premiums received for VUL policies are held in separate accounts where the assets are held for the exclusive benefit of those policyholders.

IUL insurance is similar to UL in many regards, although the rate of credited interest above the minimum guarantee for funds allocated to the indexed account is linked to the performance of the S&P 500 Index (subject to a cap and floor). The policyholder may allocate all or a portion of the policy value to a fixed or indexed account.

The Company also offers term life insurance as well as disability products. The Company no longer offers standalone LTC products and whole life insurance but has in force policies from prior years. Insurance liabilities include accumulation values, unpaid reported claims, incurred but not reported claims and obligations for anticipated future claims.

Portions of the Company’s fixed and variable universal life policies have product features that result in profits followed by losses from the insurance component of the policy. These profits followed by losses can be generated by the cost structure of the product or secondary guarantees in the policy. The secondary guarantee ensures that, subject to specified conditions, the policy will not terminate and will continue to provide a death benefit even if there is insufficient policy value to cover the monthly deductions and charges.

10.  VARIABLE ANNUITY AND INSURANCE GUARANTEES

The majority of the variable annuity contracts offered by the Company contain GMDB provisions. The Company also offers variable annuities with GGU, GMWB and GMAB provisions. The Company previously offered contracts containing GMIB provisions. See Note 2 and Note 9 for additional information regarding the Company’s variable annuity guarantees.

The GMDB provisions provide a specified minimum return upon death of the contractholder. The death benefit payable is the greater of (i) the contract value less any purchase payment credits subject to recapture and less a pro-rata portion of any rider fees, or (ii) the GMDB provisions specified in the contract. The Company has three primary GMDB provisions:

•  Return of premium — provides purchase payments minus adjusted partial surrenders.

F-26

RiverSource Life Insurance Company

•  Reset — provides that the value resets to the account value every sixth contract anniversary minus adjusted partial surrenders. This provision was often provided in combination with the return of premium provision and is no longer offered.

•  Ratchet — provides that the value ratchets up to the maximum account value at specified anniversary intervals, plus subsequent purchase payments less adjusted partial surrenders.

The variable annuity contracts with GMWB riders typically have account values that are based on an underlying portfolio of mutual funds, the values of which fluctuate based on fund performance. At issue, the guaranteed amount is equal to the amount deposited but the guarantee may be increased annually to the account value (a “step-up”) in the case of favorable market performance.

The Company has GMWB riders in force, which contain one or more of the following provisions:

•  Withdrawals at a specified rate per year until the amount withdrawn is equal to the guaranteed amount.

•  Withdrawals at a specified rate per year for the life of the contractholder (“GMWB for life”).

•  Withdrawals at a specified rate per year for joint contractholders while either is alive.

•  Withdrawals based on performance of the contract.

•  Withdrawals based on the age withdrawals begin.

•  Once withdrawals begin, the contractholder’s funds are moved to one of the three least aggressive asset allocation models.

•  Credits are applied annually for a specified number of years to increase the guaranteed amount as long as withdrawals have not been taken.

Variable annuity contractholders age 79 or younger at contract issue can also obtain a principal-back guarantee by purchasing the optional GMAB rider for an additional charge. The GMAB rider guarantees that, regardless of market performance at the end of the 10-year waiting period, the contract value will be no less than the original investment or 80% of the highest anniversary value, adjusted for withdrawals. If the contract value is less than the guarantee at the end of the 10-year period, a lump sum will be added to the contract value to make the contract value equal to the guarantee value. As of April 2012, clients who purchase a GMWB or GMAB rider are invested in one or more of four Portfolio Stabilizer (managed volatility) funds designed to pursue total return while seeking to mitigate exposure to market volatility.

Certain UL policies offered by the Company provide secondary guarantee benefits. The secondary guarantee ensures that, subject to specified conditions, the policy will not terminate and will continue to provide a death benefit even if there is insufficient policy value to cover the monthly deductions and charges.

The following table provides information related to variable annuity guarantees for which the Company has established additional liabilities:

	December 31, 2013								December 31, 2012
			Contract				Weighted				Contract				Weighted
			Value in		Net		Average		Total		Value in		Net		Average
Variable Annuity Guarantees by Benefit Type(1)	Total		Separate		Amount		Attained		Contract		Separate		Amount		Attained
(in millions, except age)	Contract Value		Accounts		at Risk		Age		Value		Accounts		at Risk		Age
GMDB:
Return of premium	$	52,616	$	50,790	$	28		64	$	45,697	$	43,942	$	61		63
Five/six-year reset		11,220		8,663		42		64		11,233		8,722		115		63
One-year ratchet		7,676		7,261		38		65		7,367		6,933		106		65
Five-year ratchet		1,781		1,725		1		62		1,616		1,563		3		61
Other		1,015		996		36		69		912		885		62		68
Total — GMDB	$	74,308	$	69,435	$	145		64	$	66,825	$	62,045	$	347		63
GGU death benefit	$	1,052	$	998	$	121		64	$	958	$	907	$	93		63
GMIB	$	413	$	389	$	8		66	$	425	$	399	$	15		66
GMWB:
GMWB	$	3,936	$	3,921	$	1		67	$	3,898	$	3,880	$	3		66
GMWB for life		34,069		33,930		77		64		28,588		28,462		104		64
Total — GMWB	$	38,005	$	37,851	$	78		64	$	32,486	$	32,342	$	107		64
GMAB	$	4,194	$	4,181	$	2		58	$	3,773	$	3,762	$	5		57

⁽¹⁾ Individual variable annuity contracts may have more than one guarantee and therefore may be included in more than one benefit type. Variable annuity contracts for which the death benefit equals the account value are not shown in this table.

The net amount at risk for GMDB, GGU and GMAB guarantees is defined as the current guaranteed benefit amount in excess of the current contract value. The net amount at risk for GMIB and GMWB guarantees is defined as the greater of the present value of the minimum guaranteed withdrawal payments less the current contract value or zero. The present value is calculated using a discount rate that is consistent with assumptions embedded in the Company’s annuity pricing models. The Company

F-27

RiverSource Life Insurance Company

previously defined the net amount at risk for GMIB and GMWB guarantees as the guaranteed benefit amount in excess of the contract value. The previously disclosed net amount at risk for GMIB and GMWB guarantees was $72 million and $297 million, respectively, as of December 31, 2012. The Company believes the revised definition of net amount at risk for GMIB and GMWB guarantees is more representative of the potential economic exposure of the guarantees.

The following table provides information related to insurance guarantees for which the Company has established additional liabilities:

	December 31, 2013				December 31, 2012
			Weighted				Weighted
			Average				Average
	Net Amount		Attained		Net Amount		Attained
(in millions, except age)	at Risk		Age		at Risk		Age
UL secondary guarantees	$	5,674		62	$	5,060		61

The net amount at risk for UL secondary guarantees is defined as the current guaranteed death benefit amount in excess of the current policyholder value.

Changes in variable annuity and insurance guarantees were as follows:

(in millions)	GMDB & GGU			GMIB			GMWB(1)			GMAB(1)			UL
Balance at January 1, 2011	$	5		$	8		$	337		$	104		$	68
Incurred claims		10			2			1,040			133			53
Paid claims		(10	)		(1	)		—			—			(10	)
Balance at December 31, 2011		5			9			1,377			237			111
Incurred claims		6			1			(578	)		(134	)		57
Paid claims		(7	)		(1	)		—			—			(13	)
Balance at December 31, 2012		4			9			799			103			155
Incurred claims		4			(2	)		(1,182	)		(165	)		67
Paid claims		(4	)		(1	)		—			—			(16	)
Balance at December 31, 2013	$	4		$	6		$	(383	)	$	(62	)	$	206

⁽¹⁾ The incurred claims for GMWB and GMAB represent the total change in the liabilities.

The liabilities for guaranteed benefits are supported by general account assets.

The following table summarizes the distribution of separate account balances by asset type for variable annuity contracts providing guaranteed benefits:

	December 31,
(in millions)	2013		2012
Mutual funds:
Equity	$	39,195	$	33,037
Bond		26,519		26,849
Other		3,764		2,324
Total mutual funds	$	69,478	$	62,210

No gains or losses were recognized on assets transferred to separate accounts for the years ended December 31, 2013, 2012 and 2011.

11.  LINES OF CREDIT

RiverSource Life Insurance Company, as the borrower, had an outstanding balance at both December 31, 2013 and 2012 of $150 million under a revolving credit agreement with Ameriprise Financial as the lender. The aggregate amount outstanding under the line of credit may not exceed $800 million at any time. The interest rate for any borrowing under the agreement is established by reference to LIBOR plus 90 basis points, subject to adjustment based on debt ratings of the senior unsecured debt of Ameriprise Financial. Amounts borrowed may be repaid at any time with no prepayment penalty.

The Company has a revolving credit agreement with Ameriprise Financial as the lender aggregating $200 million. Prior to August 1, 2012, the interest rate for any borrowings is established by reference to LIBOR. In August 2012, an amendment to this agreement increased the interest rate to LIBOR plus 90 basis points, subject to adjustment based on debt ratings of the senior unsecured debt of Ameriprise Financial. There were no amounts outstanding on this line of credit at December 31, 2013 and 2012.

RiverSource Life Insurance Company, as the lender, has a revolving credit agreement with Ameriprise Financial as the borrower. This line of credit is not to exceed 3% of RiverSource Life Insurance Company’s statutory admitted assets as of the prior year end. The interest rate for any borrowing is established by reference to LIBOR plus 90 basis points, subject to

F-28

RiverSource Life Insurance Company

adjustment based on debt ratings of the senior unsecured debt of Ameriprise Financial. In the event of default, an additional 1% interest will accrue during such period of default. There were no amounts outstanding on this revolving credit agreement as of December 31, 2013 and 2012.

12.  SHORT-TERM BORROWINGS

The Company enters into repurchase agreements in exchange for cash which it accounts for as secured borrowings. The Company has pledged Available-for-Sale securities consisting of agency residential mortgage backed securities and commercial mortgage backed securities to collateralize its obligation under the repurchase agreements. The fair value of the securities pledged is recorded in investments and was $52 million and $518 million at December 31, 2013 and 2012, respectively. The amount of the Company’s liability including accrued interest as of December 31, 2013 and 2012 was $50 million and $501 million, respectively. The weighted average annualized interest rate on the repurchase agreements held as of December 31, 2013 and 2012 was 0.3% and 0.4%, respectively.

RiverSource Life Insurance Company is a member of the Federal Home Loan Bank (“FHLB”) of Des Moines which provides access to collateralized borrowings. In 2013, the Company began to borrow short-term funds under these FHLB borrowings. The Company has pledged Available-for-Sale securities consisting of commercial mortgage backed securities to collateralize its obligation under these borrowings. The fair value of the securities pledged is recorded in investments and was $574 million at December 31, 2013. The amount of the Company’s liability including accrued interest was $450 million as of December 31, 2013. The weighted average annualized interest rate on the FHLB advances held as of December 31, 2013 was 0.3%.

13.  FAIR VALUES OF ASSETS AND LIABILITIES

GAAP defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date; that is, an exit price. The exit price assumes the asset or liability is not exchanged subject to a forced liquidation or distressed sale.

Valuation Hierarchy

The Company categorizes its fair value measurements according to a three-level hierarchy. The hierarchy prioritizes the inputs used by the Company’s valuation techniques. A level is assigned to each fair value measurement based on the lowest level input that is significant to the fair value measurement in its entirety. The three levels of the fair value hierarchy are defined as follows:

Level 1	Unadjusted quoted prices for identical assets or liabilities in active markets that are accessible at the measurement date.
Level 2	Prices or valuations based on observable inputs other than quoted prices in active markets for identical assets and liabilities.
Level 3	Prices or valuations that require inputs that are both significant to the fair value measurement and unobservable.

F-29

RiverSource Life Insurance Company

The following tables present the balances of assets and liabilities measured at fair value on a recurring basis:

	December 31, 2013
(in millions)	Level 1		Level 2		Level 3			Total
Assets
Available-for-Sale securities:
Fixed maturities:
Corporate debt securities	$	—	$	14,357	$	1,516		$	15,873
Residential mortgage backed securities		—		3,753		58			3,811
Commercial mortgage backed securities		—		2,404		30			2,434
State and municipal obligations		—		998		—			998
Asset backed securities		—		763		218			981
Foreign government bonds and obligations		—		245		—			245
U.S. government and agencies obligations		9		36		—			45
Total Available-for-Sale securities: Fixed maturities		9		22,556		1,822			24,387
Common stocks		3		3		—			6
Cash equivalents		1		320		—			321
Other assets:
Interest rate derivative contracts		—		1,488		—			1,488
Equity derivative contracts		265		1,503		—			1,768
Credit derivative contracts		—		3		—			3
Foreign currency derivative contracts		—		2		—			2
Total other assets		265		2,996		—			3,261
Separate account assets		—		77,616		—			77,616
Total assets at fair value	$	278	$	103,491	$	1,822		$	105,591
Liabilities
Policyholder account balances, future policy benefits and claims:
EIA embedded derivatives	$	—	$	5	$	—		$	5
IUL embedded derivatives		—		—		125			125
GMWB and GMAB embedded derivatives		—		—		(575	)		(575	)(2)
Total policyholder account balances, future policy benefits and claims		—		5		(450	)		(445	)(1)
Other liabilities:
Interest rate derivative contracts		—		1,693		—			1,693
Equity derivative contracts		549		2,390		—			2,939
Total other liabilities		549		4,083		—			4,632
Total liabilities at fair value	$	549	$	4,088	$	(450	)	$	4,187

(1)	The Company’s adjustment for nonperformance risk resulted in a $150 million cumulative decrease to the embedded derivatives.
(2)	The fair value of the GMWB and GMAB embedded derivatives was a net asset at December 31, 2013 and the amount is reported as a contra liability.

F-30

RiverSource Life Insurance Company

	December 31, 2012
(in millions)	Level 1		Level 2		Level 3		Total
Assets
Available-for-Sale securities:
Fixed maturities:
Corporate debt securities	$	—	$	15,387	$	1,654	$	17,041
Residential mortgage backed securities		—		3,598		23		3,621
Commercial mortgage backed securities		—		2,834		170		3,004
State and municipal obligations		—		1,122		—		1,122
Asset backed securities		—		715		156		871
Foreign government bonds and obligations		—		224		—		224
U.S. government and agencies obligations		10		39		—		49
Total Available-for-Sale securities: Fixed maturities		10		23,919		2,003		25,932
Common stocks		2		2		—		4
Cash equivalents		—		264		—		264
Other assets:
Interest rate derivative contracts		—		2,191		—		2,191
Equity derivative contracts		285		936		—		1,221
Foreign currency derivative contracts		—		6		—		6
Total other assets		285		3,133		—		3,418
Separate account assets		—		69,395		—		69,395
Total assets at fair value	$	297	$	96,713	$	2,003	$	99,013
Liabilities
Policyholder account balances, future policy benefits and claims:
EIA embedded derivatives	$	—	$	2	$	—	$	2
IUL embedded derivatives		—		—		45		45
GMWB and GMAB embedded derivatives		—		—		833		833
Total policyholder account balances, future policy benefits and claims		—		2		878		880(1	)
Other liabilities:
Interest rate derivative contracts		—		1,486		—		1,486
Equity derivative contracts		258		1,535		—		1,793
Total other liabilities		258		3,021		—		3,279
Total liabilities at fair value	$	258	$	3,023	$	878	$	4,159

⁽¹⁾ The Company’s adjustment for nonperformance risk resulted in a $398 million cumulative decrease to the embedded derivatives.

The following tables provide a summary of changes in Level 3 assets and liabilities measured at fair value on a recurring basis:

																Policyholder Account Balances,
	Available-for-Sale Securities: Fixed Maturities															Future Policy Benefits and Claims
				Residential			Commercial												GMWB and
	Corporate			Mortgage			Mortgage			Asset						IUL			GMAB
	Debt			Backed			Backed			Backed						Embedded			Embedded
(in millions)	Securities			Securities			Securities			Securities			Total			Derivatives			Derivatives			Total
Balance, January 1, 2013	$	1,654		$	23		$	170		$	156		$	2,003		$	(45	)	$	(833	)	$	(878	)
Total gains (losses) included in:
Net income		(1	)		—			—			2			1	(1)		(19	)(2)		1,617	(3)		1,598
Other comprehensive income		(41	)		—			(6	)		10			(37	)		—			—			—
Purchases		120			87			15			68			290			—			—			—
Sales		—			—			—			—			—			—			—			—
Issues		—			—			—			—			—			(62	)		(228	)		(290	)
Settlements		(216	)		(9	)		—			(2	)		(227	)		1			19			20
Transfers into Level 3		—			—			—			—			—			—			—			—
Transfers out of Level 3		—			(43	)		(149	)		(16	)		(208	)		—			—			—
Balance, December 31, 2013	$	1,516		$	58		$	30		$	218		$	1,822		$	(125	)	$	575		$	450
Changes in unrealized gains (losses) relating to assets and liabilities held at December 31, 2013 included in:
Net investment income	$	(1	)	$	—		$	—		$	2		$	1		$	—		$	—		$	—
Benefits, claims, losses and settlement expenses		—			—			—			—			—			—			1,598			1,598
Interest credited to fixed accounts		—			—			—			—			—			(19	)		—			(19	)

(1)	Included in net investment income in the Consolidated Statements of Income.
(2)	Included in interest credited to fixed accounts in the Consolidated Statements of Income.
(3)	Included in benefits, claims, losses and settlement expenses in the Consolidated Statements of Income.

F-31

RiverSource Life Insurance Company

																			Policyholder Account Balances,
	Available-for-Sale Securities: Fixed Maturities																		Future Policy Benefits and Claims
				Residential			Commercial															GMWB and
	Corporate			Mortgage			Mortgage			Asset			Other						IUL			GMAB
	Debt			Backed			Backed			Backed			Structured						Embedded			Embedded
(in millions)	Securities			Securities			Securities			Securities			Investment			Total			Derivatives			Derivatives			Total
Balance, January 1, 2012	$	1,342		$	58		$	16		$	133		$	14		$	1,563		$	—		$	(1,585	)	$	(1,585	)
Total gains (losses) included in:
Net income		(1	)		(7	)		1			1			—			(6	)(1)		8	(2)		948	(3)		956
Other comprehensive income		12			10			7			2			1			32			—			—			—
Purchases		444			31			8			—			—			483			—			—			—
Sales		—			—			—			—			—			—			—			—			—
Issues		—			—			—			—			—			—			(31	)		(188	)		(219	)
Settlements		(153	)		(12	)		—			(2	)		—			(167	)		—			(8	)		(8	)
Transfers into Level 3		10			25			146			22			—			203			(22	)		—			(22	)
Transfers out of Level 3		—			(82	)		(8	)		—			(15	)		(105	)		—			—			—
Balance, December 31, 2012	$	1,654		$	23		$	170		$	156		$	—		$	2,003		$	(45	)	$	(833	)	$	(878	)
Changes in unrealized gains (losses) relating to assets and liabilities held at December 31, 2012 included in:
Net investment income	$	(1	)	$	—		$	1		$	1		$	—		$	1		$	—		$	—		$	—
Benefits, claims, losses and settlement expenses		—			—			—			—			—			—			—			908			908
Interest credited to fixed accounts		—			—			—			—			—			—			8			—			8

(1)	Represents a $1 million gain included in net investment income and a $7 million loss included in net realized investment gains (losses) in the Consolidated Statements of Income.
(2)	Included in interest credited to fixed accounts in the Consolidated Statements of Income.
(3)	Included in benefits, claims, losses and settlement expenses in the Consolidated Statements of Income.

																			Policyholder Account Balances,
	Available-for-Sale Securities: Fixed Maturities																		Future Policy Benefits and Claims
				Residential			Commercial												GMWB and
	Corporate			Mortgage			Mortgage			Asset			Other						GMAB
	Debt			Backed			Backed			Backed			Structured						Embedded
(in millions)	Securities			Securities			Securities			Securities			Investment			Total			Derivatives
Balance, January 1, 2011	$	1,317		$	2,697		$	30		$	148		$	13		$	4,205		$	(421	)
Total gains (losses) included in:
Net income		7			49			—			2			1			59	(1)		(1,007	)(2)
Other comprehensive income		12			(75	)		—			(6	)		(2	)		(71	)		—
Purchases		178			26			71			—			3			278			—
Sales		(50	)		(3	)		—			—			—			(53	)		—
Issues		—			—			—			—			—			—			(149	)
Settlements		(117	)		(471	)		—			(3	)		(1	)		(592	)		(8	)
Transfers into Level 3		7			—			1			—			—			8			—
Transfers out of Level 3		(12	)		(2,165	)		(86	)		(8	)		—			(2,271	)		—
Balance, December 31, 2011	$	1,342		$	58		$	16		$	133		$	14		$	1,563		$	(1,585	)
Changes in unrealized gains (losses) relating to assets and liabilities held at December 31, 2011 included in:
Net investment income	$	—		$	—		$	—		$	1		$	—		$	1		$	—
Net realized investment gains (losses)		—			(23	)		—			—			1			(22	)		—
Benefits, claims, losses and settlement expenses		—			—			—			—			—			—			(1,035	)

(1)	Represents a $85 million gain included in net investment income and a $26 million loss included in net realized investment gains (losses) in the Consolidated Statements of Income.
(2)	Included in benefits, claims, losses and settlement expenses in the Consolidated Statements of Income.

The impact to pretax income of the Company’s adjustment for nonperformance risk on the fair value of its embedded derivatives was $(168) million, $(71) million and $216 million, net of DAC, DSIC, unearned revenue amortization and the reinsurance accrual, for the years ended December 31, 2013, 2012 and 2011, respectively.

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RiverSource Life Insurance Company

During the years ended December 31, 2012 and 2011, transfers from Level 3 included certain non-agency residential mortgage backed securities with a fair value of approximately $58 million and $2.2 billion, respectively. The transfers reflect improved pricing transparency of these securities, a continuing trend of increased activity in the non-agency residential mortgage backed securities market and observability of significant inputs to the valuation methodology. All other securities transferred from Level 3 represent securities with fair values that are now obtained from a third party pricing service with observable inputs. Securities transferred to Level 3 represent securities with fair values that are now based on a single non-binding broker quote. The transfer of the IUL embedded derivatives to Level 3 is due to the impact of the unobservable inputs to the valuation becoming more significant during 2012. The Company recognizes transfers between levels of the fair value hierarchy as of the beginning of the quarter in which each transfer occurred. For assets and liabilities held at the end of the reporting periods that are measured at fair value on a recurring basis, there were no transfers between Level 1 and Level 2.

The following tables provide a summary of the significant unobservable inputs used in the fair value measurements developed by the Company or reasonably available to the Company of Level 3 assets and liabilities:

	December 31, 2013
							Weighted
	Fair Value			Valuation Technique	Unobservable Input	Range	Average
	(in millions)
Corporate debt securities (private placements)	$	1,487		Discounted cash flow	Yield/spread to U.S. Treasuries	0.9% – 5.3%		1.6%
IUL embedded derivatives	$	125		Discounted cash flow	Nonperformance risk(3)	74    bps
GMWB and GMAB embedded derivatives	$	(575	)	Discounted cash flow	Utilization of guaranteed withdrawals(1)	0.0% – 51.1%
					Surrender rate	0.1% – 57.9%
					Market volatility(2)	4.9% – 18.8%
					Nonperformance risk(3)	74    bps
					Elective contractholder strategy allocations(4)	0.0% – 50.0%

	December 31, 2012
						Weighted
	Fair Value		Valuation Technique	Unobservable Input	Range	Average
	(in millions)
Corporate debt securities (private placements)	$	1,624	Discounted cash flow	Yield/spread to U.S. Treasuries	1.1% – 8.5%		2.2%
IUL embedded derivatives	$	45	Discounted cash flow	Nonperformance risk(3)	97    bps
GMWB and GMAB embedded derivatives	$	833	Discounted cash flow	Utilization of guaranteed withdrawals(1)	0.0% – 56.4%
				Surrender rate	0.0% – 56.3%
				Market volatility(2)	5.6% – 21.2%
				Nonperformance risk(3)	97    bps

(1)	The utilization of guaranteed withdrawals represents the percentage of contractholders that will begin withdrawing in any given year.
(2)	Market volatility is implied volatility of fund of funds and managed volatility funds.
(3)	The nonperformance risk is the spread added to the observable interest rates used in the valuation of the embedded derivatives.
(4)	The elective allocation represents the percentage of contractholders that are assumed to electively switch their investment allocation to a different allocation model.

Level 3 measurements not included in the table above are obtained from non-binding broker quotes where unobservable inputs are not reasonably available to the Company.

Sensitivity of Fair Value Measurements to Changes in Unobservable Inputs

Significant increases (decreases) in the yield/spread to U.S. Treasuries used in the fair value measurement of Level 3 corporate debt securities in isolation would result in a significantly lower (higher) fair value measurement.

Significant increases (decreases) in nonperformance risk used in the fair value measurement of the IUL embedded derivatives in isolation would result in a significantly lower (higher) fair value measurement.

Significant increases (decreases) in utilization, surrender rate and volatility used in the fair value measurement of the GMWB and GMAB embedded derivatives in isolation would result in a significantly lower (higher) asset value, possibly creating a liability. Significant increases (decreases) in nonperformance risk and elective investment allocation model used in the fair value measurement of the GMWB and GMAB embedded derivatives in isolation would result in a significantly higher (lower) asset value. Utilization of guaranteed withdrawals and surrender rates vary with the type of rider, the duration of the policy,

F-33

RiverSource Life Insurance Company

the age of the contractholder, the distribution system and whether the value of the guaranteed benefit exceeds the contract accumulation value.

Determination of Fair Value

The Company uses valuation techniques consistent with the market and income approaches to measure the fair value of its assets and liabilities. The Company’s market approach uses prices and other relevant information generated by market transactions involving identical or comparable assets or liabilities. The Company’s income approach uses valuation techniques to convert future projected cash flows to a single discounted present value amount. When applying either approach, the Company maximizes the use of observable inputs and minimizes the use of unobservable inputs.

The following is a description of the valuation techniques used to measure fair value and the general classification of these instruments pursuant to the fair value hierarchy.

Assets

Cash Equivalents

Cash equivalents include highly liquid investments with original maturities of 90 days or less. Actively traded money market funds are measured at their net asset value (“NAV”) and classified as Level 1. The Company’s remaining cash equivalents are classified as Level 2 and measured at amortized cost, which is a reasonable estimate of fair value because of the short time between the purchase of the instrument and its expected realization.

Available-for-Sale Securities

When available, the fair value of securities is based on quoted prices in active markets. If quoted prices are not available, fair values are obtained from third party pricing services, non-binding broker quotes, or other model-based valuation techniques. Level 1 securities include U.S. Treasuries. Level 2 securities include corporate bonds, residential mortgage backed securities, commercial mortgage backed securities, municipal bonds, asset backed securities and U.S. agency and foreign government securities. The fair value of these Level 2 securities is based on a market approach with prices obtained from third party pricing services. Observable inputs used to value these securities can include, but are not limited to, reported trades, benchmark yields, issuer spreads and non-binding broker quotes. Level 3 securities primarily include certain corporate bonds, non-agency residential mortgage backed securities, commercial mortgage backed securities and asset backed securities. The fair value of corporate bonds, non-agency residential mortgage backed securities, commercial mortgage backed securities and certain asset backed securities classified as Level 3 is typically based on a single non-binding broker quote. The underlying inputs used for some of the non-binding broker quotes are not readily available to the Company. The Company’s privately placed corporate bonds are typically based on a single non-binding broker quote. In addition to the general pricing controls, the Company reviews the broker prices to ensure that the broker quotes are reasonable and, when available, compares prices of privately issued securities to public issues from the same issuer to ensure that the implicit illiquidity premium applied to the privately placed investment is reasonable considering investment characteristics, maturity, and average life of the investment.

In consideration of the above, management is responsible for the fair values recorded on the financial statements. Prices received from third party pricing services are subjected to exception reporting that identifies investments with significant daily price movements as well as no movements. The Company reviews the exception reporting and resolves the exceptions through reaffirmation of the price or recording an appropriate fair value estimate. The Company also performs subsequent transaction testing. The Company performs annual due diligence of third party pricing services. The Company’s due diligence procedures include assessing the vendor’s valuation qualifications, control environment, analysis of asset-class specific valuation methodologies, and understanding of sources of market observable assumptions and unobservable assumptions, if any, employed in the valuation methodology. The Company also considers the results of its exception reporting controls and any resulting price challenges that arise.

Separate Account Assets

The fair value of assets held by separate accounts is determined by the NAV of the funds in which those separate accounts are invested. The NAV represents the exit price for the separate account. Separate account assets are classified as Level 2 as they are traded in principal-to-principal markets with little publicly released pricing information.

Other Assets

Derivatives that are measured using quoted prices in active markets, such as derivatives that are exchange-traded, are classified as Level 1 measurements. The fair value of derivatives that are traded in less active over-the-counter (“OTC”) markets are generally measured using pricing models with market observable inputs such as interest rates and equity index levels. These measurements are classified as Level 2 within the fair value hierarchy and include swaps and the majority of options. The counterparties’ nonperformance risk associated with uncollateralized derivative assets was immaterial at December 31, 2013 and 2012. See Note 16 and Note 17 for further information on the credit risk of derivative instruments and related collateral.

F-34

RiverSource Life Insurance Company

Liabilities

Policyholder Account Balances, Future Policy Benefits and Claims

The Company values the embedded derivatives attributable to the provisions of certain variable annuity riders using internal valuation models. These models calculate fair value by discounting expected cash flows from benefits plus margins for profit, risk and expenses less embedded derivative fees. The projected cash flows used by these models include observable capital market assumptions and incorporate significant unobservable inputs related to contractholder behavior assumptions, implied volatility, and margins for risk, profit and expenses that the Company believes an exit market participant would expect. The fair value also reflects a current estimate of the Company’s nonperformance risk specific to these embedded derivatives. Given the significant unobservable inputs to this valuation, these measurements are classified as Level 3. The embedded derivatives attributable to these provisions are recorded in policyholder account balances, future policy benefits and claims.

The Company uses various Black-Scholes calculations to determine the fair value of the embedded derivatives associated with the provisions of its EIA and IUL products. Significant inputs to the EIA calculation include observable interest rates, volatilities and equity index levels and, therefore, are classified as Level 2. The fair value of the IUL embedded derivatives includes significant observable interest rates, volatilities and equity index levels and the significant unobservable estimate of the Company’s nonperformance risk. Given the significance of the nonperformance risk assumption to the fair value, the IUL embedded derivatives are classified as Level 3. The embedded derivatives attributable to these provisions are recorded in policyholder account balances, future policy benefits and claims.

The Company’s Corporate Actuarial Department calculates the fair value of the embedded derivatives on a monthly basis. During this process, control checks are performed to validate the completeness of the data. Actuarial management approves various components of the valuation along with the final results. The change in the fair value of the embedded derivatives is reviewed monthly with senior management. The Level 3 inputs into the valuation are consistent with the pricing assumptions and updated as experience develops. Significant unobservable inputs that reflect policyholder behavior are reviewed quarterly along with other valuation assumptions.

Other Liabilities

Derivatives that are measured using quoted prices in active markets, such as derivatives that are exchange-traded, are classified as Level 1 measurements. The fair value of derivatives that are traded in less active OTC markets are generally measured using pricing models with market observable inputs such as interest rates and equity index levels. These measurements are classified as Level 2 within the fair value hierarchy and include swaps and the majority of options. The Company’s nonperformance risk associated with uncollateralized derivative liabilities was immaterial at December 31, 2013 and 2012. See Note 16 and Note 17 for further information on the credit risk of derivative instruments and related collateral.

During the reporting periods, there were no material assets or liabilities measured at fair value on a nonrecurring basis.

The following tables provide the carrying value and the estimated fair value of financial instruments that are not reported at fair value. All other financial instruments that are reported at fair value have been included above in the table with balances of assets and liabilities measured at fair value on a recurring basis.

	December 31, 2013
	Carrying		Fair Value
(in millions)	Value		Level 1		Level 2		Level 3		Total
Financial Assets
Mortgage loans, net	$	3,326	$	—	$	—	$	3,372	$	3,372
Policy loans		773		—		—		765		765
Other investments		385		—		346		42		388
Financial Liabilities
Policyholder account balances, future policy benefits and claims	$	14,106	$	—	$	—	$	14,724	$	14,724
Short-term borrowings		500		—		500		—		500
Line of credit with Ameriprise Financial		150		—		—		150		150
Other liabilities		137		—		—		134		134
Separate account liabilities		400		—		400		—		400

F-35

RiverSource Life Insurance Company

	December 31, 2012
	Carrying		Fair Value
(in millions)	Value		Level 1		Level 2		Level 3		Total
Financial Assets
Mortgage loans, net	$	3,389	$	—	$	—	$	3,568	$	3,568
Policy loans		752		—		—		725		725
Other investments		309		—		292		24		316
Restricted cash		86		86		—		—		86
Financial Liabilities
Policyholder account balances, future policy benefits and claims	$	14,701	$	—	$	—	$	15,982	$	15,982
Short-term borrowings		501		—		500		—		500
Line of credit with Ameriprise Financial		150		—		—		150		150
Other liabilities		144		—		—		142		142
Separate account liabilities		360		—		360		—		360

Mortgage Loans, Net

The fair value of commercial mortgage loans, except those with significant credit deterioration, is determined by discounting contractual cash flows using discount rates that reflect current pricing for loans with similar remaining maturities, liquidity and characteristics including LTV ratio, occupancy rate, refinance risk, debt-service coverage, location, and property condition. For commercial mortgage loans with significant credit deterioration, fair value is determined using the same adjustments as above with an additional adjustment for the Company’s estimate of the amount recoverable on the loan.

The fair value of residential mortgage loans is determined by discounting estimated cash flows and incorporating adjustments for prepayment, administration expenses, loss severity and credit loss estimates, with discount rates based on the Company’s estimate of current market conditions.

Given the significant unobservable inputs to the valuation of mortgage loans, these measurements are classified as Level 3.

Policy Loans

Policy loans represent loans made against the cash surrender value of the underlying life insurance or annuity product. These loans and the related interest are usually realized at death of the policyholder or contractholder or at surrender of the contract and are not transferable without the underlying insurance or annuity contract. The fair value of policy loans is determined by estimating expected cash flows discounted at rates based on the U.S. Treasury curve. Policy loans are classified as Level 3 as the discount rate used may be adjusted for the underlying performance of individual policies.

Other Investments

Other investments primarily consist of syndicated loans and an investment in FHLB. The fair value of syndicated loans is obtained from a third party service or non-binding broker quotes. Syndicated loans that are priced by multiple non-binding broker quotes are classified as Level 2 and syndicated loans priced using a single non-binding broker quote are classified as Level 3. The fair value of the investment in FHLB is approximated by the carrying value and classified as Level 3 due to restrictions on transfer and lack of liquidity in the primary market for this asset.

Restricted Cash

Restricted cash is generally set aside for specific business transactions and restrictions are specific to the Company and do not transfer to third party market participants; therefore, the carrying amount is a reasonable estimate of fair value. The fair value of restricted cash is classified as Level 1.

Policyholder Account Balances, Future Policy Benefits and Claims

The fair value of fixed annuities, in deferral status, is determined by discounting cash flows using a risk neutral discount rate with adjustments for profit margin, expense margin, early policy surrender behavior, a provision for adverse deviation from estimated early policy surrender behavior and the Company’s nonperformance risk specific to these liabilities. The fair value of non-life contingent fixed annuities in payout status, EIA host contracts and the fixed portion of a small number of variable annuity contracts classified as investment contracts is determined in a similar manner. Given the use of significant unobservable inputs to these valuations, the measurements are classified as Level 3.

Short-term Borrowings

The fair value of short-term borrowings is obtained from a third party pricing service. A nonperformance adjustment is not included as collateral requirements for these borrowings minimize the nonperformance risk. The fair value of short-term borrowings is classified as Level 2.

F-36

RiverSource Life Insurance Company

Line of Credit with Ameriprise Financial

The fair value of the line of credit is determined by discounting cash flows with an adjustment for the Company’s nonperformance risk specific to this liability. The fair value of the line of credit is classified as Level 3.

Other Liabilities

Other liabilities consist of future funding commitments to affordable housing partnerships. The fair value of these future funding commitments is determined by discounting cash flows. The fair value of these commitments includes an adjustment for the Company’s nonperformance risk and is classified as Level 3 due to the use of the significant unobservable input.

Separate Account Liabilities

Certain separate account liabilities are classified as investment contracts and are carried at an amount equal to the related separate account assets. The NAV of the related separate account assets represents the exit price for the separate account liabilities. Separate account liabilities are classified as Level 2 as they are traded in principal-to-principal markets with little publicly released pricing information. A nonperformance adjustment is not included as the related separate account assets act as collateral for these liabilities and minimize nonperformance risk.

14.  RELATED PARTY TRANSACTIONS

CMIA is the investment manager for the proprietary mutual funds used as investment options by the Company’s variable annuity contractholders and variable life insurance policyholders. The Company provides all fund management services, other than investment management, and is compensated for the administrative services it provides. For the years ended December 31, 2013, 2012 and 2011, the Company received $268 million, $244 million and $222 million, respectively, from CMIA for these services.

Charges by Ameriprise Financial and affiliated companies to the Company for use of joint facilities, technology support, marketing services and other services aggregated $465 million, $477 million and $530 million for 2013, 2012 and 2011, respectively. Certain of these costs are included in DAC. Expenses allocated to the Company may not be reflective of expenses that would have been incurred by the Company on a stand-alone basis.

Dividends paid and received by RiverSource Life Insurance Company were as follows:

	Years Ended December 31,
(in millions)	2013		2012		2011
Cash dividends paid to Ameriprise Financial	$	800	$	865	$	750
Non-cash dividend paid to Ameriprise Financial		—		—		850
Cash dividends received from RiverSource Life of NY		25		50		79
Cash dividends received from RTA		—		—		53

Notifications to state insurance regulators were made in advance of payments of dividends for amounts in excess of statutorily defined thresholds. See Note 15 for additional information.

During 2013, 2012 and 2011, RiverSource Life Insurance Company made cash contributions to RTA of $30 million, $53 million and $111 million, respectively, for ongoing funding commitments related to affordable housing partnership investments.

In October 2012, the Company purchased $954 million of residential mortgage loans from an affiliate, Ameriprise Bank, FSB. The Company purchased the loans for investment purposes and as part of Ameriprise Financial’s transition of Ameriprise Bank, FSB from a federal savings bank to a limited powers national trust bank. The portfolio consists primarily of variable rate revolving loans, and includes both first and second liens. The loans were purchased by the Company at fair value. See Note 6 for additional information.

The Company’s taxable income is included in the consolidated federal income tax return of Ameriprise Financial. The net amount due to Ameriprise Financial for federal income taxes was $200 million and $17 million at December 31, 2013 and 2012, respectively.

15.  REGULATORY REQUIREMENTS

The National Association of Insurance Commissioners (“NAIC”) defines Risk-Based Capital (“RBC”) requirements for insurance companies. The RBC requirements are used by the NAIC and state insurance regulators to identify companies that merit regulatory actions designed to protect policyholders. These requirements apply to the Company. The Company has met its minimum RBC requirements.

State insurance statutes contain limitations as to the amount of dividends or distributions that insurers may make without providing prior notification to state regulators. For RiverSource Life Insurance Company, dividends or distributions in excess of unassigned surplus, as determined in accordance with accounting practices prescribed by the State of Minnesota, require

F-37

RiverSource Life Insurance Company

advance notice to the Minnesota Department of Commerce, RiverSource Life Insurance Company’s primary regulator, and are subject to potential disapproval. RiverSource Life Insurance Company’s statutory unassigned surplus (deficit) aggregated $(7) million and $421 million as of December 31, 2013 and 2012, respectively.

In addition, dividends or distributions, whose fair market value, together with that of other dividends or distributions made within the preceding 12 months, exceed the greater of the previous year’s statutory net gain from operations or 10% of the previous year-end statutory capital and surplus are referred to as “extraordinary dividends.” Extraordinary dividends also require advance notice to the Minnesota Department of Commerce, and are subject to potential disapproval. Government debt securities of $6 million and $7 million at December 31, 2013 and 2012, respectively, were on deposit with various states as required by law.

Statutory net gain (loss) from operations and net income (loss) for the years ended December 31 and capital and surplus as of December 31 are summarized as follows:

(in millions)	2013		2012		2011
Statutory net gain (loss) from operations(1)	$	1,633	$	2,189	$	(475	)
Statutory net income (loss)(1)		1,337		1,976		(599	)
Statutory capital and surplus		2,686		3,113		2,681

⁽¹⁾ Statutory net gain (loss) from operations and statutory net income (loss) are significantly impacted by changes in reserves for variable annuity guaranteed benefits, however these impacts are substantially offset by unrealized gains (losses) on derivatives which are not included in statutory income but are recorded directly to surplus.

16.  OFFSETTING ASSETS AND LIABILITIES

Certain financial instruments and derivative instruments are eligible for offset in the Consolidated Balance Sheets. The Company’s derivative instruments and repurchase agreements are subject to master netting arrangements and collateral arrangements and qualify for offset. A master netting arrangement with a counterparty creates a right of offset for amounts due to and from that same counterparty that is enforceable in the event of a default or bankruptcy. The Company’s policy is to recognize amounts subject to master netting arrangements on a gross basis in the Consolidated Balance Sheets.

The following tables present the gross and net information about the Company’s assets subject to master netting arrangements:

	December 31, 2013
	Gross		Gross Amounts		Amounts of Assets		Gross Amounts Not Offset
	Amounts of		Offset in the		Presented in the		in the Consolidated Balance Sheets
	Recognized		Consolidated		Consolidated		Financial			Cash			Securities			Net
(in millions)	Assets		Balance Sheets		Balance Sheets		Instruments(1)			Collateral			Collateral			Amount
Derivatives:
OTC	$	3,180	$	—	$	3,180	$	(3,134	)	$	(17	)	$	(16	)	$	13
OTC cleared		21		—		21		(20	)		(1	)		—			—
Exchange-traded		60		—		60		—			—			—			60
Total derivatives	$	3,261	$	—	$	3,261	$	(3,154	)	$	(18	)	$	(16	)	$	73

	December 31, 2012
	Gross		Gross Amounts		Amounts of Assets		Gross Amounts Not Offset
	Amounts of		Offset in the		Presented in the		in the Consolidated Balance Sheets
	Recognized		Consolidated		Consolidated		Financial			Cash			Securities			Net
(in millions)	Assets		Balance Sheets		Balance Sheets		Instruments(1)			Collateral			Collateral			Amount
Derivatives:
OTC	$	3,322	$	—	$	3,322	$	(2,676	)	$	(262	)	$	(355	)	$	29
Exchange-traded		96		—		96		—			—			—			96
Total derivatives	$	3,418	$	—	$	3,418	$	(2,676	)	$	(262	)	$	(355	)	$	125

⁽¹⁾ Represents the amount of assets that could be offset by liabilities with the same counterparty under master netting or similar arrangements that management elects not to offset on the Consolidated Balance Sheets.

F-38

RiverSource Life Insurance Company

The following tables present the gross and net information about the Company’s liabilities subject to master netting arrangements:

	December 31, 2013
	Gross		Gross Amounts		Amounts of Liabilities		Gross Amounts Not Offset
	Amounts of		Offset in the		Presented in the		in the Consolidated Balance Sheets
	Recognized		Consolidated		Consolidated		Financial			Cash			Securities			Net
(in millions)	Liabilities		Balance Sheets		Balance Sheets		Instruments(1)			Collateral			Collateral			Amount
Derivatives:
OTC	$	4,610	$	—	$	4,610	$	(3,134	)	$	—		$	(1,465	)	$	11
OTC cleared		22		—		22		(20	)		(2	)		—			—
Total derivatives		4,632		—		4,632		(3,154	)		(2	)		(1,465	)		11
Repurchase agreements		50		—		50		—			—			(50	)		—
Total	$	4,682	$	—	$	4,682	$	(3,154	)	$	(2	)	$	(1,515	)	$	11

	December 31, 2012
	Gross		Gross Amounts		Amounts of Liabilities		Gross Amounts Not Offset
	Amounts of		Offset in the		Presented in the		in the Consolidated Balance Sheets
	Recognized		Consolidated		Consolidated		Financial			Cash			Securities			Net
(in millions)	Liabilities		Balance Sheets		Balance Sheets		Instruments(1)			Collateral			Collateral			Amount
OTC derivatives	$	3,279	$	—	$	3,279	$	(2,676	)	$	(67	)	$	(532	)	$	4
Repurchase agreements		501		—		501		—			—			(501	)		—
Total	$	3,780	$	—	$	3,780	$	(2,676	)	$	(67	)	$	(1,033	)	$	4

⁽¹⁾ Represents the amount of liabilities that could be offset by assets with the same counterparty under master netting or similar arrangements that management elects not to offset on the Consolidated Balance Sheets.

In the tables above, the amounts of assets or liabilities presented in the Consolidated Balance Sheets are offset first by financial instruments that have the right of offset under master netting or similar arrangements, then any remaining amount is reduced by the amount of cash and securities collateral. The actual amounts of collateral may be greater than amounts presented in the tables.

The Company’s freestanding derivative instruments are reflected in other assets and other liabilities. Repurchase agreements are reflected in short-term borrowings. See Note 17 for additional disclosures related to the Company’s derivative instruments and Note 12 for additional disclosures related to the Company’s repurchase agreements.

17.  DERIVATIVES AND HEDGING ACTIVITIES

Derivative instruments enable the Company to manage its exposure to various market risks. The value of such instruments is derived from an underlying variable or multiple variables, including equity and interest rate indices or prices. The Company primarily enters into derivative agreements for risk management purposes related to the Company’s products and operations.

The Company’s freestanding derivatives are recorded at fair value and are reflected in other assets or other liabilities. The Company’s freestanding derivative instruments are all subject to master netting arrangements. The Company’s policy on the recognition of derivatives on the Consolidated Balance Sheets is to not offset fair value amounts recognized for derivatives and collateral arrangements executed with the same counterparty under the same master netting arrangement. See Note 16 for additional information regarding the estimated fair value of the Company’s freestanding derivatives after considering the effect of master netting arrangements and collateral.

F-39

RiverSource Life Insurance Company

The Company currently uses derivatives as economic hedges and accounting hedges. The following table presents the balance sheet location and the gross fair value of derivative instruments, including embedded derivatives:

		Assets					Liabilities
		December 31,					December 31,
Derivatives not designated	Balance Sheet					Balance Sheet
as hedging instruments	Location	2013		2012		Location	2013			2012
		(in millions)					(in millions)
GMWB and GMAB
Interest rate contracts	Other assets	$	1,484	$	2,191	Other liabilities	$	1,672		$	1,486
Equity contracts	Other assets		1,741		1,215	Other liabilities		2,918			1,792
Credit contracts	Other assets		3		—	Other liabilities		—			—
Foreign currency contracts	Other assets		2		6	Other liabilities		—			—
						Policyholder account balances, future policy benefits and
Embedded derivatives(1)	N/A		—		—	claims		(575	)(2)		833
Total GMWB and GMAB			3,230		3,412			4,015			4,111
Other derivatives:
Interest rate
Macro hedge program	Other assets		4		—	Other liabilities		21			—
Equity
Macro hedge program	Other assets		—		—	Other liabilities		8			—
						Policyholder account balances, future policy benefits and
EIA embedded derivatives	N/A		—		—	claims		5			2
IUL	Other assets		27		6	Other liabilities		13			1
						Policyholder account balances, future policy benefits and
IUL embedded derivatives	N/A		—		—	claims		125			45
Total other			31		6			172			48
Total derivatives		$	3,261	$	3,418		$	4,187		$	4,159

N/A Not applicable.

(1)	The fair values of GMWB and GMAB embedded derivatives fluctuate based on changes in equity, interest rate and credit markets.
(2)	The fair value of the GMWB and GMAB embedded derivatives was a net asset at December 31, 2013 and the amount is reported as a contra liability.

See Note 13 for additional information regarding the Company’s fair value measurement of derivative instruments.

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RiverSource Life Insurance Company

The following table presents a summary of the impact of derivatives not designated as hedging instruments on the Consolidated Statements of Income:

		Amount of Gain (Loss) on
		Derivatives Recognized in Income
Derivatives not designated	Location of Gain (Loss) on	Years Ended December 31,
as hedging instruments	Derivatives Recognized in Income	2013			2012			2011
		(in millions)
GMWB and GMAB
Interest rate contracts	Benefits, claims, losses and settlement expenses	$	(742	)	$	17		$	709
Equity contracts	Benefits, claims, losses and settlement expenses		(1,084	)		(1,218	)		326
Credit contracts	Benefits, claims, losses and settlement expenses		6			(2	)		(12	)
Foreign currency contracts	Benefits, claims, losses and settlement expenses		26			(1	)		(2	)
Embedded derivatives(1)	Benefits, claims, losses and settlement expenses		1,408			752			(1,165	)
Total GMWB and GMAB			(386	)		(452	)		(144	)
Other derivatives:
Interest rate
Macro hedge program	Benefits, claims, losses and settlement expenses		(15	)		—			—
Tax hedge	Net investment income		—			1			—
Equity
Macro hedge program	Benefits, claims, losses and settlement expenses		(8	)		—			—
EIA	Interest credited to fixed accounts		3			1			(1	)
EIA embedded derivatives	Interest credited to fixed accounts		(3	)		1			1
IUL	Interest credited to fixed accounts		11			1			1
IUL embedded derivatives	Interest credited to fixed accounts		16			(4	)		(3	)
Total other			4			—			(2	)
Total derivatives		$	(382	)	$	(452	)	$	(146	)

⁽¹⁾ The fair values of GMWB and GMAB embedded derivatives fluctuate based on changes in equity, interest rate and credit markets.

The Company holds derivative instruments that either do not qualify or are not designated for hedge accounting treatment. These derivative instruments are used as economic hedges of equity, interest rate, credit and foreign currency exchange rate risk related to various products and transactions of the Company.

Certain annuity contracts contain GMWB or GMAB provisions, which guarantee the right to make limited partial withdrawals each contract year regardless of the volatility inherent in the underlying investments or guarantee a minimum accumulation value of consideration received at the beginning of the contract period, after a specified holding period, respectively. The Company economically hedges the exposure related to non-life contingent GMWB and GMAB provisions primarily using various futures, options, interest rate swaptions, interest rate swaps, total return swaps, variance swaps and credit default swaps. At December 31, 2013 and 2012, the gross notional amount of derivative contracts for the Company’s GMWB and GMAB provisions was $142.4 billion and $142.1 billion, respectively.

The deferred premium associated with certain of the above options is paid or received semi-annually over the life of the option contract or at maturity. The following is a summary of the payments the Company is scheduled to make and receive for these options:

(in millions)	Premiums Payable		Premiums Receivable
2014	$	359	$	84
2015		329		65
2016		285		49
2017		221		44
2018		176		54
2019-2027		472		73
Total	$	1,842	$	369

Actual timing and payment amounts may differ due to future contract settlements, modifications or exercises of options prior to the full premium being paid or received.

During 2013, the Company transferred net derivative liabilities with a fair value of $94 million, consisting of long-dated options, along with cash payment of the same amount to Ameriprise Financial. The transaction improves the risk management profile of statutory tail scenario risk for the Company’s variable annuities.

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RiverSource Life Insurance Company

Beginning in the fourth quarter of 2013, the Company established a macro hedge program which uses a combination of options and/or swaps to provide protection against the statutory tail scenario risk arising from variable annuity reserves on the Company’s statutory surplus. The program also covers some of the residual risks not covered by other hedging activities. The gross notional amount of these derivative contracts was $710 million at December 31, 2013.

EIA and IUL products have returns tied to the performance of equity markets. As a result of fluctuations in equity markets, the obligation incurred by the Company related to EIA and IUL products will positively or negatively impact earnings over the life of these products. As a means of economically hedging its obligations under the provisions of these products, the Company enters into index options and futures contracts. The gross notional amount of these derivative contracts was $512 million and $210 million at December 31, 2013 and 2012, respectively.

Embedded Derivatives

Certain annuities contain GMAB and non-life contingent GMWB provisions, which are considered embedded derivatives. In addition, the equity component of the EIA and IUL product obligations are also considered embedded derivatives. These embedded derivatives are bifurcated from their host contracts for valuation purposes and reported on the Consolidated Balance Sheets at fair value with changes in fair value reported in earnings. As discussed above, the Company uses derivatives to mitigate the financial statement impact of these embedded derivatives.

Cash Flow Hedges

The Company has amounts classified in AOCI related to gains and losses associated with the effective portion of previously designated cash flow hedges. The Company reclassifies these amounts into income as the forecasted transactions impact earnings. During the year ended December 31, 2013, the Company held no derivatives that were designated as cash flow hedges.

At December 31, 2013, the Company expects to reclassify $6 million of deferred loss on derivative instruments from AOCI to earnings during the next 12 months that will be recorded in net investment income. These were originally losses on derivative instruments related to interest rate swaptions. During the years ended December 31, 2013 and 2012, no hedge relationships were discontinued due to forecasted transactions no longer being expected to occur according to the original hedge strategy. For the years ended December 31, 2013, 2012 and 2011, the amounts recognized in earnings on derivative transactions that were ineffective was $1 million, $1 million and nil, respectively.

The following table presents a rollforward of unrealized derivative losses related to cash flow hedges included in accumulated other comprehensive income (loss):

(in millions)	2013			2012			2011
Net unrealized derivative losses at January 1	$	(21	)	$	(26	)	$	(30	)
Reclassification of realized losses(1)		6			7			6
Income tax benefit		(2	)		(2	)		(2	)
Net unrealized derivative losses at December 31	$	(17	)	$	(21	)	$	(26	)

⁽¹⁾ Loss reclassified from AOCI to net investment income on the Consolidated Statements of Income.

Currently, the longest period of time over which the Company is hedging exposure to the variability in future cash flows is five years and relates to interest credited on forecasted fixed premium product sales.

Credit Risk

Credit risk associated with the Company’s derivatives is the risk that a derivative counterparty will not perform in accordance with the terms of the applicable derivative contract. To mitigate such risk, the Company has established guidelines and oversight of credit risk through a comprehensive enterprise risk management program that includes members of senior management. Key components of this program are to require preapproval of counterparties and the use of master netting arrangements and collateral arrangements whenever practical. See Note 16 for additional information on the Company’s credit exposure related to derivative assets.

Certain of the Company’s derivative contracts contain provisions that adjust the level of collateral the Company is required to post based on the Company’s financial strength rating (or based on the debt rating of the Company’s parent, Ameriprise Financial). Additionally, certain of the Company’s derivative contracts contain provisions that allow the counterparty to terminate the contract if the Company does not maintain a specific financial strength rating or Ameriprise Financial’s debt does not maintain a specific credit rating (generally an investment grade rating). If these termination provisions were to be triggered, the Company’s counterparty could require immediate settlement of any net liability position. At December 31, 2013 and 2012, the aggregate fair value of derivative contracts in a net liability position containing such credit contingent provisions was $950 million and $364 million, respectively. The aggregate fair value of assets posted as collateral for such instruments as of December 31, 2013 and 2012 was $940 million and $360 million, respectively. If the credit contingent provisions of

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RiverSource Life Insurance Company

derivative contracts in a net liability position at December 31, 2013 and 2012 were triggered, the aggregate fair value of additional assets that would be required to be posted as collateral or needed to settle the instruments immediately would have been $10 million and $4 million, respectively.

18.  SHAREHOLDER’S EQUITY

The following table provides information related to amounts reclassified from AOCI for the year ended:

AOCI Reclassification	Location of Loss (Gain) Recognized in Income	December 31, 2013
		(in millions)
Net unrealized gains on Available-for-Sale securities	Net investment income	$	(5	)
Tax expense	Income tax provision		2
Net of tax		$	(3	)
Losses on cash flow hedges:
Swaptions	Net investment income	$	6
Tax benefit	Income tax provision		(2	)
Net of tax		$	4

The Company made adjustments to AOCI for the impact to DAC, DSIC, benefit reserves and reinsurance recoverable on net unrealized securities losses of $319 million, net of tax, for the year ended December 31, 2013. See Note 5 for additional information related to the impact of DAC, DSIC, benefit reserves and reinsurance recoverable on net unrealized securities gains/losses included in AOCI. See Note 17 for additional information regarding the Company’s cash flow hedges.

19.  INCOME TAXES

The components of income tax provision were as follows:

	Years Ended December 31,
(in millions)	2013			2012			2011
Current income tax
Federal	$	295		$	197		$	137
State		2			7			3
Total current income tax		297			204			140
Deferred income tax
Federal		(65	)		(38	)		51
State		(11	)		(2	)		(1	)
Total deferred income tax		(76	)		(40	)		50
Total income tax provision	$	221		$	164		$	190

The principal reasons that the aggregate income tax provision is different from that computed by using the U.S. statutory rate of 35% are as follows:

	Years Ended December 31,
	2013			2012			2011
Tax at U.S. statutory rate		35.0	%		35.0	%		35.0	%
Changes in taxes resulting from:
Tax-exempt interest and dividend income		(9.6	)		(9.7	)		(12.6	)
Low income housing credit		(5.0	)		(4.7	)		(1.6	)
Foreign tax credit, net of addback		(0.9	)		(0.5	)		(1.6	)
State taxes, net of federal benefit		(0.5	)		0.4			0.1
Taxes applicable to prior years		—			(2.5	)		—
Other, net		1.8			2.1			(0.5	)
Income tax provision		20.8	%		20.1	%		18.8	%

The effective tax rates are lower than the statutory rate as a result of tax preferred items including the dividends received deduction and low income housing credits. The change in the effective tax rate for the year ended December 31, 2012 is primarily due to the impact of a prior period correction described in Note 1 partially offset by increased low income housing tax credits.

Deferred income tax assets and liabilities result from temporary differences between the assets and liabilities measured for GAAP reporting versus income tax return purposes. The significant components of the Company’s deferred income tax assets

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RiverSource Life Insurance Company

and liabilities, which are included net within other assets or other liabilities on the Consolidated Balance Sheets, were as follows:

	December 31,
(in millions)	2013			2012
Deferred income tax assets
Liabilities for policyholder account balances, future policy benefits and claims	$	887		$	1,295
Investment related		678			161
State net operating losses		6			5
Other		5			5
Gross deferred income tax assets		1,576			1,466
Less: valuation allowance		(6	)		(5	)
Total deferred income tax assets		1,570			1,461
Deferred income tax liabilities
Deferred acquisition costs		730			677
Net unrealized gains on Available-for-Sale securities		358			676
Deferred sales inducement costs		145			142
Other		17			29
Gross deferred income tax liabilities		1,250			1,524
Net deferred income tax assets (liabilities)	$	320		$	(63	)

Included in the Company’s deferred income tax assets are tax benefits related to state net operating losses of $6 million, net of federal benefit, which will expire beginning December 31, 2014.

A reconciliation of the beginning and ending amount of gross unrecognized tax benefits is as follows:

(in millions)	2013		2012			2011
Balance at January 1	$	65	$	134		$	83
Additions (reductions) based on tax positions related to the current year		18		1			(1	)
Additions for tax positions of prior years		61		19			79
Reductions for tax positions of prior years		—		(77	)		(7	)
Settlements		—		(12	)		(20	)
Balance at December 31	$	144	$	65		$	134

If recognized, approximately $23 million, $8 million and $12 million, net of federal tax benefits, of unrecognized tax benefits as of December 31, 2013, 2012 and 2011, respectively, would affect the effective tax rate.

It is reasonably possible that the total amounts of unrecognized tax benefits will change in the next 12 months. It is estimated that the total amount of gross unrecognized tax benefits may decrease by $130 million to $140 million in the next 12 months due to resolution of Internal Revenue Service (“IRS”) examinations.

The Company recognizes interest and penalties related to unrecognized tax benefits as a component of the income tax provision. The Company recognized a net increase of $6 million, a net reduction of $3 million, and a net increase of $57 million in interest and penalties for the years ended December 31, 2013, 2012 and 2011, respectively. At December 31, 2013 and 2012, the Company had a payable of $36 million and $30 million, respectively, related to accrued interest and penalties.

The Company or one or more of its subsidiaries files income tax returns as part of its inclusion in the consolidated federal income tax returns of Ameriprise Financial, in the U.S. federal jurisdiction and various state jurisdictions. The IRS has completed its field examination of the 1997 through 2007 tax returns. However, for federal income tax purposes, these years except for 2007, continue to remain open as a consequence of certain unagreed-upon issues. The IRS is in the process of completing the audits of the Company’s income tax returns for 2008 through 2011. These audits are expected to be completed in 2014. The Company or certain of its subsidiaries’ state income tax returns are currently under examination by various jurisdictions for years ranging from 1997 through 2010 and remain open for all years after 2010. The Company filed its 2012 tax return in the third quarter of 2013, but the IRS has not yet begun its examination of 2012.

The items comprising other comprehensive income are presented net of the following income tax provision (benefit) amounts:

	Years Ended December 31,
(in millions)	2013			2012			2011
Net unrealized securities gains (losses)	$	(309	)	$	161		$	89
Net unrealized derivative losses		(2	)		(2	)		(2	)
Net income tax provision (benefit)	$	(311	)	$	159		$	87

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RiverSource Life Insurance Company

20.  COMMITMENTS, GUARANTEES AND CONTINGENCIES

Commitments

The following table presents the Company’s funding commitments as of December 31:

(in millions)	2013		2012
Commercial mortgage loans	$	71	$	72
Residential mortgage loans		542		627
Affordable housing partnerships		137		144
Total funding commitments	$	750	$	843

Guarantees

The Company’s annuity and life products all have minimum interest rate guarantees in their fixed accounts. As of December 31, 2013, these guarantees range up to 5.0%.

The Company is required by law to be a member of the guaranty fund association in every state where it is licensed to do business. In the event of insolvency of one or more unaffiliated insurance companies, the Company could be adversely affected by the requirement to pay assessments to the guaranty fund associations. Uncertainty and volatility in the U.S. economy and financial markets in recent years have weakened the financial condition of numerous insurers, including insurers currently in receiverships, increasing the risk of triggering guaranty fund assessments.

The Company projects its cost of future guaranty fund assessments based on estimates of insurance company insolvencies provided by the National Organization of Life and Health Insurance Guaranty Associations (“NOLHGA”) and the amount of its premiums written relative to the industry-wide premium in each state. The Company accrues the estimated cost of future guaranty fund assessments when it is considered probable that an assessment will be imposed, the event obligating the Company to pay the assessment has occurred and the amount of the assessment can be reasonably estimated.

Executive Life Insurance Company of New York (“ELNY”) was placed into rehabilitation by a New York state court in 1991. On April 16, 2012, the court issued an order converting the rehabilitation into a liquidation proceeding under a plan submitted by the New York insurance regulator with support from NOLHGA and the industry. Closing under the liquidation plan took place in August 2013.

During the second quarter of 2012, the Company established a liability for estimated guaranty fund assessments and a related premium tax asset, primarily associated with ELNY. At December 31, 2013 and 2012, the estimated liability was $14 million and $26 million, respectively, and the related premium tax asset was $11 million and $19 million, respectively. The Company has recently paid assessments related to ELNY from some of the state guaranty fund associations, however, the expected period over which all of the assessments will be made and the related tax credits recovered is not known.

Contingencies

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, the Company is responding to regulatory audits, market conduct examinations and other inquiries (including inquiries from the State of Minnesota and a multistate insurance department examination). The Company has cooperated and will continue to cooperate with the applicable regulators regarding their inquiries.

The Company 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. The Company believes that it is not a party to, nor are any of its properties the subject of, any pending legal, arbitration or regulatory investigation or proceeding that is likely to have a material adverse effect on its consolidated financial condition, results of operations or liquidity. Notwithstanding the foregoing, it is possible that the outcome of any current or future legal, arbitration or regulatory proceeding could have a material impact on results of operations in any particular reporting period as the proceedings are resolved.

Uncertain economic conditions, heightened and sustained volatility in the financial markets and significant financial reform legislation may increase the likelihood that clients and other persons or regulators may present or threaten legal claims or that regulators increase the scope or frequency of examinations of the Company or the insurance industry generally.

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RiverSource Life Insurance Company

829 Ameriprise Financial Center

Minneapolis, MN 55474

1-800-333-3437

RiverSource Distributors, Inc. (Distributor), Member FINRA.

Insurance and annuity products are issued by RiverSource Life Insurance Company.

Both companies are affiliated with Ameriprise Financial Services, Inc.

S-6477 W (5/14) ^© 2008-2014 RiverSource Life Insurance Company. All rights reserved.