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Rate Sheet Prospectus Supplement dated October 14, 2019
to the
Prospectus Dated April 29, 2019
Product Name Prospectus Form #
RiverSource RAVA 5 Advantage® Variable Annuity (Offered for contract applications signed on or after April 29, 2019) S- 6720 CA (4/19)
Rate Sheet Prospectus Supplement
This Rate Sheet Prospectus Supplement (this “Supplement”) should be read and retained with your prospectus. This Supplement must be used in conjunction with the effective RiverSource RAVA 5 Advantage Variable Annuity (Offered for contract applications signed or after April 29, 2019) prospectus. If you need another copy of the prospectus, please call us at 1-800-862-7919. Historical rate sheet supplements will be reflected in an appendix to this prospectus. For additional information, you may consult your financial advisor or call us at 1-800-862-7919.
The Rate Sheet Prospectus Supplement has been filed with the Securities and Exchange Commission (the “SEC”) and is also available on the Edgar system at www.sec.gov (File No. 333 - 230376 for the RiverSource RAVA 5 Advantage Variable Annuity (Offered for contract applications signed or after April 29, 2019)).
We are issuing this Supplement to provide the:
• Current rider fees for the SecureSource Core, SecureSource Core Plus, SecureSource 4, and SecureSource 4 Plus optional benefit riders;
• Lifetime Payment Percentages and Age Bands for the SecureSource Core, SecureSource Core Plus, SecureSource 4, and SecureSource 4 Plus optional benefit riders;
• Income Bonus Percentage for the SecureSource 4 and SecureSource 4 Plus optional benefit riders;
• Annual Credit percentage and Credit Period for the SecureSource Core, SecureSource Core Plus, SecureSource 4, and SecureSource 4 Plus optional benefit riders.
• Base Doubler age used to determine Base Doubler Date for the SecureSource Core Plus optional benefit rider.
The rider fees, percentages, age bands, credit period and terms listed below apply to applications signed on or after October 28, 2019.
In order to get these terms, your application must be signed and in good order while this Rate Sheet Prospectus Supplement is in effect. Because we reserve the right to change these terms upon notice as provided below, if your application is not signed and in good order while this Rate Sheet Prospectus Supplement is in effect then you will receive the terms that are in effect on the date that you have a signed application in good order. The rider fees, percentages, age bands, credit period and terms, listed below will not change after your application is signed, except as provided in the prospectus (See “Charges – Optional Living Benefit Charges”; “SecureSource Core Rider – Lifetime Payment Percentage/Annual Credits; “SecureSource Core Plus Rider – Lifetime Payment Percentage/ Annual Credits/Base Doubler”; “SecureSource 4 Rider – Lifetime Payment Percentage /Annual Credits”; “SecureSource 4 Plus Rider – Lifetime Payment Percentage/Annual Credits/Base Doubler”).
The rider fees, percentages, age bands, credit period and terms listed in this Rate Sheet Supplement are subject to change and can be superseded upon 14 days prior notice as provided below. We may periodically issue a new Rate Sheet Prospectus Supplement that may reflect different values than the previous Rate Sheet Prospectus Supplement. Please note that any superseding terms do not apply to applications that are already signed and received by us in good order. Changes to the rider fees, percentages, age bands, credit period or terms listed in this Rate Sheet Prospectus Supplement will be disclosed at least 14 days in advance in a new Rate Sheet Prospectus Supplement filed on Edgar at www.sec.gov (File No. 333 – 230376 for the RiverSource RAVA 5 Advantage Variable Annuity (Offered for contract applications signed on or after April 29, 2019)).
RIDER FEES
Rider Single Life Option Joint Life Option
SecureSource CoreSM 1.45% 1.55%
SecureSource Core PlusSM 1.65% 1.85%
SecureSource 4® 1.35% 1.50%
SecureSource 4 Plus® 1.45% 1.70%
(Charged annually on the contract anniversary as a percentage of contract value or the Benefit Base, whichever is greater.)
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LIFETIME PAYMENT PERCENTAGE
The Lifetime Payment Percentage is used to calculate the Current Annual Payment.
SecureSource Core Rider
Age Bands Lifetime Payment
Percentage – Single Life 		Lifetime Payment
Percentage – Joint Life
50-58 3.30% 2.90%
59-64 4.30% 3.90%
65-69 5.30% 4.90%
70-74 5.55% 5.15%
75-79 5.80% 5.40%
80+ 6.30% 5.90%
SecureSource Core Plus Rider
Age Bands Lifetime Payment
Percentage – Single Life 		Lifetime Payment
Percentage – Joint Life
50-58 3.30% 2.90%
59-64 4.30% 3.90%
65-69 5.30% 4.90%
70-74 5.55% 5.15%
75-79 5.80% 5.40%
80+ 6.30% 5.90%
SecureSource 4 Rider
Age Bands Minimum Lifetime Payment
Percentage – Single Life 		Minimum Lifetime Payment
Percentage – Joint Life 		Income Bonus
Percentage
50-58 3.00% 2.75% 1.00%
59-64 4.00% 3.75% 1.00%
65-69 5.00% 4.75% 1.00%
70-74 5.25% 5.00% 1.00%
75-79 5.50% 5.25% 1.00%
80+ 6.00% 5.75% 1.00%
SecureSource 4 Plus Rider
Age Bands Minimum Lifetime Payment
Percentage – Single Life 		Minimum Lifetime Payment
Percentage – Joint Life 		Income Bonus
Percentage
50-58 3.10% 2.90% 1.00%
59-64 4.10% 3.90% 1.00%
65-69 5.10% 4.90% 1.00%
70-74 5.35% 5.15% 1.00%
75-79 5.60% 5.40% 1.00%
80+ 6.10% 5.90% 1.00%
ANNUAL CREDIT PERCENTAGE AND CrEDIT PERIOD:
Rider Annual Credit Percentage Credit Period
SecureSource CoreSM 6% 10 years
SecureSource Core PlusSM 7% 10 years
SecureSource 4® 6% 10 years
SecureSource 4 Plus® 6% 10 years
BASE DOUBLER AGE for the SecureSource CORE PLUS rider:
Base Doubler age is 70.
THIS SUPPLEMENT SHOULD BE READ AND RETAINED FOR FUTURE REFERENCE.
S-6720-4 A (10/19)
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Supplement dated October 14, 2019
to
Prospectuses dated April 29, 2019
  Prospectus Form #
Product Name National New York
RiverSource ® RAVA 5 Advantage® Variable Annuity (Offered for contract applications signed on or after April 29, 2019) S-6720 CF (4/19) S-6725 CF (4/19)
RiverSource ® RAVA 5 ChoiceSM Variable Annuity S-6710 CF (4/19) S-6715 CF (4/19)
The information in this supplement updates and amends certain information contained in your current variable annuity product prospectus. Please read it carefully and keep it with your variable annuity contract product prospectus.
This supplement describes changes to certain optional living benefit riders.
I. For contract applications signed on or after October 28, 2019, the current fee for the Accumulation Protector Benefit rider will change from 1.15% to 1.30%.
The following hereby supersedes and replaces the corresponding table describing current rider fees in the “Expense Summary — Optional Living Benefits” sections of the prospectus:
Accumulation Protector Benefit® (APB®) rider fee Maximum: 2.00% Current: 1.30%*
(Charged annually on the contract anniversary as a percentage of contract value or the Minimum Contract Accumulation Value, whichever is greater.)
* For contract applications signed prior to 10/28/2019, the current initial annual rider fee is 1.15%.
For contracts with Accumulation Protector Benefit rider not issued in New York, the annual rider fee for elective step up (including elective spousal continuation step up) requests is 1.30%.
For contracts with Accumulation Protector Benefit rider issued in New York, the annual rider fees for elective step up (including elective spousal continuation step up) requests, are shown in the table below.
For applications signed: Maximum annual rider fee Initial annual rider fee
Prior to 10/27/2019 2.00% 1.15%
10/28/ 2019 and after 2.00% 1.30%
The following hereby supersedes and replaces the second sentence in the first paragraph in the “Optional Living Benefit Charges — Accumulation Protector Benefit Rider Charge” sections of the prospectus:
The current initial annual rider fee is 1.30%. For contract applications signed prior to Oct. 28, 2019, the current initial annual rider fee is 1.15%.
II. In the “Optional Living Benefits – SecureSource Series Rider Terms – Key Terms”, “SecureSource Core Plus rider– Current Annual Payment Description” and” SecureSource Core Plus NY rider – Current Annual Payment Description” sections of the prospectus, the Base Doubler Date reference to the Credit Period duration is clarified to read “12th rider anniversary”.
The following paragraph replaces the corresponding paragraph in the “Optional Living Benefits – SecureSource Series Rider Terms – Key Terms” section of the prospectus:
Base Doubler Date: at issue, it is the later of: (1) the 12th rider anniversary; or (2) the rider anniversary on or following the Covered Person (Joint Life: the younger Covered Spouse) reaching the Base Doubler age shown in the Rate Sheet Prospectus Supplement.
The following paragraph replaces the corresponding paragraph in the “SecureSource Core Plus rider”/”SecureSource Core Plus NY rider – Current Annual Payment Description” sections of the prospectus:
Joint Life: Base Doubler Date: If the Base Doubler is greater than zero, the Base Doubler Date may be reset in the event of: (1) dissolution of marriage; or (2) a Covered Spouse’s death when the death benefit is not payable. On the date we receive written notification of these events, the Base Doubler Date will be set to the later of: (1) the rider anniversary on or following the remaining Covered Spouse reaching the Base Doubler age shown in the Rate Sheet Prospectus Supplement; (2) the 12th rider anniversary; or (3) the next rider anniversary.
The Base Doubler Date may also be reset if there is a spousal continuation.  See the Spouse’s Option to continue contract provision.
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In the event of remarriage of the Covered Spouses to each other before the Base Doubler Date, the Base Doubler Date will be reset to the later of the 12th rider anniversary or the rider anniversary on or following the younger Covered Spouse reaching the Base Double age shown in the Rate Sheet Prospectus Supplement.
The following paragraph replaces the corresponding paragraph in the “SecureSource Core Plus rider”/”SecureSource Core Plus NY rider – Spousal Option to Continue the Contract upon Owner’s Death (Spousal Continuation)” section of the prospectus:
Spousal Option to Continue the Contract upon Owner’s Death (Spousal Continuation):
Joint Life: If a surviving spouse is a Covered Spouse and elects the spousal continuation provision of the contract as the new owner, the SecureSource Core Plus — Joint Life rider also continues. The surviving Covered Spouse can name a new beneficiary; however, a new Covered Spouse cannot be added to the rider.
If you did not decline an increase to the annual rider fee, at the time of spousal continuation, a step-up may be available. All Annual Step-Up rules (see “Rider Anniversary Processing — Annual Step-Up” heading above) also apply to the spousal continuation step-up except that the Remaining Annual Payment will be reduced for any prior withdrawals in that contract year. Also, the Credit Period will restart on the next contract anniversary. The Withdrawal Adjustment Base, if greater than zero, will be increased to the contract value if the contract value is greater. The spousal continuation step-up is processed on the valuation date spousal continuation is effective. If the Base Doubler is greater than zero, the Base Doubler Date will be set to the later of: (1) the rider anniversary on or following the 70th birthday of the remaining Covered Spouse; (2) the 12th rider anniversary; or (3) the next rider anniversary.
THIS SUPPLEMENT SHOULD BE READ AND RETAINED FOR FUTURE REFERENCE.
S-6720-5 A (10/19)
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