POS EX 1 d339720dposex.htm POS EX POS EX


SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM N-4

REGISTRATION STATEMENT
UNDER
THE SECURITIES ACT OF 1933
  Pre-Effective Amendment No. []
  Post-Effective Amendment No. 15 (File No. 333-230376) [X]
and/or
REGISTRATION STATEMENT
UNDER
THE INVESTMENT COMPANY ACT OF 1940
  Amendment No. 168 (File No. 811-07355) [X]
(Check appropriate box or boxes)

RiverSource Variable Account 10
(Exact Name of Registrant)

RiverSource Life Insurance Company
(Name of Depositor)
70100 Ameriprise Financial Center, Minneapolis, MN 55474
(Address of Depositor's Principal Executive Offices) (Zip Code)
Depositor's Telephone Number, including Area Code (612) 678-5337
Nicole D. Wood, 50605 Ameriprise Financial Center, Minneapolis, MN 55474
(Name and Address of Agent for Service)

It is proposed that this filing will become effective immediately upon filing pursuant to Rule 462(d).


Explanatory Note
This Post-Effective Amendment No. 15 to the Registration Statement on Form N-4 (File No. 333-230376) is being filed pursuant to Rule 462(d) under the Securities Act of 1933, as amended (the “Securities Act”), solely for the purpose of filing the Power of Attorney for Gumer C. Alvero and Brian E. Hartert to sign amendments to this Registration Statement as exhibit (p)(ii). Accordingly, this Post-Effective Amendment No. 15 consists only of a facing page, this explanatory note, and Part C of the Registration Statement on Form N-4. This Post-Effective Amendment No. 15 does not change the form of the prospectus and Statement of Additional Information relating to Post-Effective Amendment No. 7 filed electronically on Sept. 3, 2021, with the Securities and Exchange Commission (the “SEC”). As permitted by Rule 462(d), this Post-Effective Amendment No. 15 shall become effective upon filing with the SEC.

 

PART C – OTHER INFORMATION
Item 27. Exhibits
(a) (i) Resolution of the Board of Directors of IDS Life Insurance Company establishing the IDS Life Variable Account 10 dated August 23, 1995, filed electronically as Exhibit 1 to Registrant’s Initial Registration Statement No. 33-62407 is incorporated herein by reference.
  (ii) Unanimous Written Consent of the Board of Directors In Lieu of a Meeting for IDS Life Insurance Company, adopted December 8, 2006 for the Re-designation of the Separate Accounts to Reflect Entity Consolidation and Rebranding filed electronically as Exhibit 27(a)(6) to Post-Effective Amendment No. 28 to Registration Statement No. 333-69777 is incorporated by reference.
(b)   Not applicable.
(c)   Form of Principal Underwriter Agreement for RiverSource Life Insurance Company Variable Annuities and Variable Life Insurance filed electronically as Exhibit 3.1 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource Signature(SM) Select Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference.
(d) (i) Form of Deferred Annuity Contract for RiverSource RAVA 5 Advantage Variable annuity (form 411380) and data pages filed electronically as Exhibit 4.1 to the Initial Registration Statement on Form N-4 No. 333-186218, filed on or about Jan.25, 2013 is incorporated herein by reference.
  (ii) Form of Deferred Annuity Contract for IRA contracts (form 31045-IRA) filed electronically as Exhibit 4.3 to Registrant's Initial Registration Statement No. 333-79311, filed on or about May 26, 1999, is incorporated herein by reference.
  (iii) Form of Deferred Annuity Contract for IRA contracts (form 31048-IRA) filed electronically as Exhibit 4.6 to Registrant's Initial Registration Statement No. 333-79311, filed on or about May 26, 1999, is incorporated herein by reference.
  (iv) Form of TSA Endorsement (form 31049), filed electronically as Exhibit 4.7 to Pre-Effective Amendment No. 1 to Registration Statement No. 333-79311 filed on or about Aug. 10, 1999 is incorporated herein by reference.
  (v) Form of Traditional IRA or SEP-IRA Annuity Endorsement (form 131061) filed electronically as Exhibit 4.11 to Post-Effective Amendment No. 14 to Registration Statement No. 333-79311, is incorporated herein by reference.
  (vi) Form of Roth IRA Annuity Endorsement (form 131062) filed electronically as Exhibit 4.12 to Post-Effective Amendment No. 14 to Registration Statement No. 333-79311, is incorporated herein by reference.
  (vii) Form of SIMPLE IRA Annuity Endorsement (form 131063) filed electronically as Exhibit 4.13 to Post-Effective Amendment No. 14 to Registration Statement No. 333-79311, is incorporated herein by reference.
  (viii) Form of TSA Endorsement (form 131068), filed electronically as Exhibit 4.17 to Post-Effective Amendment No. 21 to Registration Statement No. 333-79311, filed on or about Jan. 23, 2004, is incorporated by reference.
  (ix) Form of 401 (a) Annuity Endorsement (form 131069), filed electronically as Exhibit 4.23 to Post-Effective Amendment No. 21 to Registration Statement No. 333-79311, filed on or about Jan. 23, 2004, is incorporated by reference.
  (x) Copy of Company name change endorsement (form 131115) for RiverSource Life Insurance Company, filed electronically as Exhibit 4.32 to Registrant's Post-Effective Amendment No. 41 to Registration Statement No. 333-79311 filed on or about Jan. 2, 2007, is incorporated by reference.
  (xi) Form of Guarantee Period Accounts Endorsement (form 411272) filed electronically as Exhibit 4.56 to RiverSource Variable Account’s Post-Effective Amendment No. 10 to Registration Statement No. 333-139763 is incorporated herein by reference.
  (xii) Form of Maximum Anniversary Value Death Benefit Rider (form 411278) filed electronically as Exhibit 4.57 to Post-Effective Amendment No. 10 to Registration Statement No. 333-139763 is incorporated herein by reference.
  (xiii) Form of 5-Year Maximum Anniversary Value Death Benefit Rider filed electronically as Exhibit 4.41 to Registrant's Post-Effective Amendment No. 61 to Registration Statement No. 333-79311 is incorporated herein by reference.
  (xiv) Form of Enhanced Death Benefit Rider (form 411280) filed electronically as Exhibit 4.60 to RiverSource Variable Account’s Post-Effective Amendment No. 10 to Registration Statement No. 333-139763 is incorporated herein by reference.
  (xv) Form of Return of Purchase Payment Death Benefit Rider (form 411277) filed electronically as Exhibit 4.61 to RiverSource Variable Account’s Post-Effective Amendment No. 10 to Registration Statement No. 333-139763 is incorporated herein by reference.

 

  (xvi) Form of Benefit Protector(SM) Death Benefit Rider (form 411281) filed electronically as Exhibit 4.62 to RiverSource Variable Account’s Post-Effective Amendment No. 10 to Registration Statement No. 333-139763 is incorporated herein by reference.
  (xvii) Form of Benefit Protector(SM) Plus Death Benefit Rider (form 411282) filed electronically as Exhibit 4.63 to RiverSource Variable Account’s Post-Effective Amendment No. 10 to Registration Statement No. 333-139763 is incorporated herein by reference.
  (xviii) Form of Guaranteed Minimum Accumulation Benefit Rider (form 411283) filed electronically as Exhibit 4.64 to RiverSource Variable Account’s Post-Effective Amendment No. 10 to Registration Statement No. 333-139763 is incorporated herein by reference.
  (xix) Form of Guaranteed Lifetime Withdrawal Benefit Joint Life Rider SecureSource 4 Rider and data page filed electronically as Exhibit 4.21 to Initial Registration Statement on Form N-4 No.333-229360, filed on or about Jan.25, 2019 is incorporated herein by reference.
  (xx) Form of Guaranteed Lifetime Withdrawal Benefit Single Life Rider SecureSource 4 Rider and data page are filed electronically as Exhibit 4.22 to Initial Registration Statement on Form N-4 No.333-229360, filed on or about Jan.25, 2019 is incorporated herein by reference.
  (xxi) Form of Guaranteed Lifetime Withdrawal Benefit Joint Life Rider SecureSource 4 Plus Rider and data page are filed electronically as Exhibit 4.23 to Initial Registration Statement on Form N-4 No.333-229360, filed on or about Jan.25, 2019 is incorporated herein by reference.
  (xxii) Form of Guaranteed Lifetime Withdrawal Benefit Single Life Rider SecureSource 4 Plus Rider and data page are filed electronically as Exhibit 4.24 to Initial Registration Statement on Form N-4 No.333-229360, filed on or about Jan.25, 2019 is incorporated herein by reference.
  (xxiii) Form of Guaranteed Minimum Death Benefit Rider – Enhanced Legacy Benefit (form 15111687) and data page filed electronically as Exhibit 4.28 to the Registrant’s Post-Effective Amendment No.8 to Registration Statement No. 333-186218, is incorporated herein by reference.
  (xxiv) Form of Guaranteed Lifetime Withdrawal Benefit Joint Life Rider SecureSource Core Rider and data page are filed electronically as Exhibit 4.26 to Initial Registration Statement on Form N-4 No.333-229360, filed on or about Jan.25, 2019 is incorporated herein by reference.
  (xxv) Form of Guaranteed Lifetime Withdrawal Benefit Single Life Rider SecureSource Core Rider and data page are filed electronically as Exhibit 4.27 to Initial Registration Statement on Form N-4 No.333-229360, filed on or about Jan.25, 2019 is incorporated herein by reference.
  (xxvi) Form of Guaranteed Lifetime Withdrawal Benefit Joint Life Rider SecureSource Core Plus Rider and data page are filed electronically as Exhibit 4.28 to Initial Registration Statement on Form N-4 No.333-229360, filed on or about Jan.25, 2019 is incorporated herein by reference.
  (xxvii) Form of Guaranteed Lifetime Withdrawal Benefit Single Life Rider SecureSource Core Plus Rider and data page are filed electronically as Exhibit 4.29 to Initial Registration Statement on Form N-4 No.333-229360, filed on or about Jan.25, 2019 is incorporated herein by reference.
  (xxviii) Form of Guaranteed Minimum Death Benefit Rider SecureSource Legacy benefit Single Rider (form 115049-SG) is filed electronically as Exhibit 4.30 to Initial Registration Statement on Form N-4 No.333-229360, filed on or about Jan.25, 2019 is incorporated herein by reference.
  (xxix) Form of Guaranteed Minimum Death Benefit Rider SecureSource Legacy Joint Rider (form 115049-JT) is filed electronically as Exhibit 4.31 to Initial Registration Statement on Form N-4 No.333-229360, filed on or about Jan.25, 2019 is incorporated herein by reference.
  (xxx) Form of Payments to Beneficiary Endorsement (form ICC19 115157) is filed electronically as Exhibit 4.32 to Initial Registration Statement on Form N-4 No.333-229360, filed on or about Jan.25, 2019 is incorporated herein by reference.
  (xxxi) Form of Guaranteed Lifetime Withdrawal Benefit Joint Life Rider SecureSource Tempo Rider and data page filed as Exhibit 4.31 to Registrant’s Post-Effective Amendment No.6 to Registration Statement No. 333‐230376, is incorporated herein by reference.
  (xxxii) Form of Guaranteed Lifetime Withdrawal Benefit Single Life Rider SecureSource Tempo Rider and data page filed as Exhibit 4.32 to Registrant’s Post-Effective Amendment No.6 to Registration Statement No. 333‐230376, is incorporated herein by reference.
  (xxxiii) Form of Investment Options and Limits Endorsement (116532) filed as Exhibit 4.33 to Registrant’s Post-Effective Amendment No.6 to Registration Statement No. 333‐230376, is incorporated herein by reference.

 

  (xxxiv) Form of Rider Anniversary Processing Endorsement Joint Life (ICC21 116465-JT) filed as Exhibit 4.34 to Registrant’s Post-Effective Amendment No.6 to Registration Statement No. 333‐230376, is incorporated herein by reference.
  (xxxv) Form of Rider Anniversary Processing Endorsement Single Life (ICC21 116465-SG) filed as Exhibit 4.35 to Registrant’s Post-Effective Amendment No.6 to Registration Statement No. 333‐230376, incorporated herein by reference.
(e)   Form of Variable Annuity Application (form 31063), filed electronically as Exhibit 5 to Pre-Effective Amendment No. 1 to Registration Statement No. 333-79311 filed on or about Aug. 10, 1999 is incorporated herein by reference.
(f) (i) Certificate of Incorporation of IDS Life dated July 24, 1957, filed electronically as Exhibit 6.1 to Registrant's Initial Registration Statement No. 33-62407 is incorporated herein by reference.
  (ii) Copy of Certificate of Amendment of Certificate of Incorporation of IDS Life Insurance Company dated June 22, 2006, filed electronically as Exhibit 27(f)(1) to Post-Effective Amendment No. 28 to Registration Statement No. 333-69777 is incorporated by reference.
  (iii) Copy of Amended and Restated By-Laws of RiverSource Life Insurance Company filed electronically as Exhibit 27(f)(2) to Post-Effective Amendment No. 28 to Registration Statement No. 333-69777 is incorporated by reference.
(g)   Not applicable.
(h) (i) Copy of Amended and Restated Participation Agreement dated August 1, 2006, among American Enterprise Life Insurance Company, IDS Life Insurance Company, Ameriprise Financial Services, Inc., AllianceBernstein L.P. and AllianceBernstein Investments, Inc. filed electronically as Exhibit 27(h) (20) to Post-Effective Amendment No. 28 to Registration Statement No. 333-69777 is incorporated herein by reference.
  (ii) Copy of Amended and Restated Fund Participation Agreement dated June 1, 2006, by and among American Centurion Life Assurance Company, American Enterprise Life Insurance Company, American Partners Life Insurance Company, IDS Life Insurance Company, IDS Life Insurance Company of New York, Ameriprise Financial Services, Inc. and American Century Investment Services, Inc. filed electronically as Exhibit 27(h)(3) to Post-Effective Amendment No. 22 to Registration Statement No. 333-44644 is incorporated herein by reference.
  (iii) Copy of Fund Participation Agreement dated May 1, 2006 among American Enterprise Life Insurance Company, IDS Life Insurance Company, Columbia Funds Variable Insurance Trust I, Columbia Management Advisors, LLC and Columbia Management Distributors, Inc. filed electronically as Exhibit 27(h) (22) to Post-Effective Amendment No. 28 to Registration Statement No. 333-69777 is incorporated herein by reference.
  (iv) Copy of Amended and Restated Fund Participation Agreement dated January 1, 2007, among Variable Insurance Products Funds, Fidelity Distributors Corporation and RiverSource Life Insurance Co. of New York filed electronically as Exhibit 8.16 to RiverSource of New York Variable Annuity Account 2’s Post-Effective Amendment No. 3 to Registration Statement No. 333-139764 on or about April 24, 2008 is incorporated by reference herein.
  (v) Copy of Amended and Restated Participation Agreement by and between Franklin Templeton Variable Insurance Products Trust, Franklin/Templeton Distributors, Inc., American Centurion Life Assurance Company, American Enterprise Life Insurance Company, IDS Life Insurance Company, IDS Life Insurance Company of New York, Ameriprise Financial Services, Inc. (formerly American Express Financial Advisors Inc.), dated August 1, 2005 filed electronically as Exhibit 8.7 to Registrant’s Post-Effective Amendment No. 39 to Registration Statement No. 333-79311 is incorporated by reference.
  (vi) Copy of Janus Aspen Series Amended and Restated Fund Participation Agreement dated September 1, 2006, by and among American Enterprise Life Insurance Company, American Partners Life Insurance Company, IDS Life Insurance Company and Janus Aspen Series filed electronically as Exhibit 27(h)(12) to Post-Effective Amendment No. 28 to Registration Statement No. 333-69777 is incorporated herein by reference.
  (vii) Copy of Participation Agreement Among MFS Variable Insurance Trust, American Enterprise Life Insurance Company, IDS Life Insurance Company and Massachusetts Financial Services Company, dated June 9, 2006, filed electronically as Exhibit 8.17 to Post-Effective Amendment No. 42 to Registration Statement No. 333-79311 is incorporated by reference.
  (viii) Copy of Fund Participation Agreement dated March 2, 2006, by and between Neuberger Berman Advisers Management Trust, Neuberger Berman Management, Inc. and IDS Life Insurance Company filed electronically as Exhibit 8.17 to Post-Effective Amendment No. 41 to Registration Statement No. 333-79311 is incorporated herein by reference.
  (ix) Copy of Amended and Restated Fund Participation Agreement dated March 30, 2007, among Oppenheimer Variable Account funds, Oppenheimer Funds, Inc. and RiverSource Life Insurance Company filed electronically as Exhibit 8.4 to RiverSource Variable Annuity Account Post-Effective Amendment No. 2 to Registration Statement No. 333-139760 on or about April 24, 2008 is incorporated by reference herein.

 

  (x) Copy of Participation Agreement dated March 1, 2006, among IDS Life Insurance Company, PIMCO Variable Insurance Trust and Allianz Global Investors Distributors LLC filed electronically as Exhibit 8.19 to Post-Effective Amendment No. 41 to Registration Statement No. 333-79311 is incorporated herein by reference.
  (xi) Copy of Participation Agreement dated January 1, 2007, by and among RiverSource Life Insurance Company, RiverSource Life Insurance Co. of New York and RiverSource Distributors, Inc. filed electronically as Exhibit 8.23 to Post-Effective Amendment No. 42 to Registration Statement No. 333-79311 is incorporated herein by reference.
  (xii) Copy of Fund Participation Agreement dated April 2, 2007, RiverSource Life Insurance Company, Wanger Advisors Trust, Columbia Wanger Asset Management, L.P. and Columbia Management Distributors, Inc. filed electronically as Exhibit 8.11 to RiverSource Variable Annuity Account Post-Effective Amendment No. 2 to Registration Statement No. 333-139760 on or about April 24, 2008 is incorporated by reference herein.
  (xiii) Copy of Participation Agreement by and among Wells Fargo Variable Trust and RiverSource Life Insurance Company and Wells Fargo Funds Distributors, LLC dated Jan. 1, 2007, filed electronically as Exhibit 8.29 to Post-Effective Amendment No. 42 to Registration Statement No. 333-79311 is incorporated by reference.
  (xiv) Copy of Fund Participation Agreement dated April 26, 2012 by and among RiverSource Life Insurance Company, BlackRock Variable Series Funds, Inc. and BlackRock Investments filed electronically as Exhibit 8.3 to RiverSource Variable Account 10’s Post-Effective Amendment No. 1 to Registration Statement No. 333-179398 is incorporated herein by reference.
  (xv) Copy of Fund Participation Agreement dated April 26, 2012 by and among RiverSource Life Insurance Company, RiverSource Distributors, Inc., DWS Variable Series I, DWS Variable Series II, DWS Investments VIT Funds DWS Investment Distributors, Inc. and Deutsche Investment Management Americas Inc. filed electronically as Exhibit 8.5 to RiverSource Variable Account 10’s Post-Effective Amendment No. 1 to Registration Statement No. 333-179398 is incorporated herein by reference.
  (xvi) Copy of Fund Participation Agreement dated April 30, 2013, by and among ALPS Variable Investment Trust, ALPS Portfolio Solutions Distributor, Inc., and RiverSource Life Insurance Company filed electronically as Exhibit 8.16 to Registrant’s Post-Effective Amendment No. 4 to Registration Statement No. 333-179398, filed on or about April 22, 2013 is incorporated herein by reference.
  (xvii) Copy of Fund Participation Agreement dated April 29, 2013, by and among Van Eck VIP Trust, Van Eck Securities Corporation, and RiverSource Life Insurance Company filed electronically as Exhibit 8.17 to Registrant’s Post-Effective Amendment No. 4 to Registration Statement No. 333-179398, filed on or about April 22, 2013 is incorporated herein by reference.
  (xviii) Copy of Fund Participation Agreement dated April 29, 2013, by and among Ivy Funds Variable Insurance Portfolios, Waddell & Reed, Inc., and RiverSource Life Insurance Company filed electronically as Exhibit 8.18 to Registrant’s Post-Effective Amendment No. 4 to Registration Statement No. 333-179398, filed on or about April 22, 2013 is incorporated herein by reference.
  (xix) Copy of Amended and Restated Participation Agreement dated June 9, 2006, by and among American Enterprise Life Insurance Company, IDS Life Insurance Company, Goldman Sachs Variable Insurance Trust and Goldman, Sachs & Co. filed electronically as Exhibit 27(h)(24) to Post-Effective Amendment No. 28 to Registration Statement No. 333-69777 is incorporated herein by reference.
  (xx) Copy of Fund Participation Agreement dated Jan. 1, 2007, by and among RiverSource Life Insurance Company, RiverSource Distributors, Inc. and Lazard Asset Management Securities LLC and Lazard Retirement Series, Inc. filed electronically as Exhibit 8.15 to Post-Effective Amendment No. 42 to Registration Statement No. 333-79311 is incorporated by reference
  (xxi) Copy of Amended and Restated Participation Agreement by and among IDS Life Insurance Company, American Enterprise Life Insurance Company, Ameriprise Financial Services, Inc., Lazard Asset Management Securities LLC, and Lazard Retirement Series, Inc., dated Oct. 16, 2006, filed electronically as Exhibit 8.14 to Post-Effective Amendment No. 42 to Registration Statement No. 333-79311 is incorporated by reference.
  (xxii) Copy of Amended and Restated Participation Agreement dated September 1, 2006, by and among IDS Life Insurance Company, Legg Mason Partners Variable Portfolios I, Inc. (formerly Salomon Brothers Variable Series Fund, Inc.), Legg Mason Partners Variable Portfolios II, Inc. (formerly Greenwich Street Series Fund, formerly Smith Barney Series Fund, formerly Smith Barney Shearson Series Fund, formerly Shearson Series Fund), Legg Mason Partners Variable Portfolios III, Inc. (formerly Travelers Series Fund Inc., formerly Smith Barney Travelers Series Fund Inc.) and Legg Mason Investor Services, LLC filed electronically as Exhibit 8.15 to Post-Effective Amendment No. 41 to Registration Statement No. 333-79311 is incorporated herein by reference.

 

  (xxiii) Copy of Amended and Restated Participation Agreement dated May 1, 2006, among The Universal Institutional Funds, Inc., Morgan Stanley Investment Management Inc., Morgan Stanley Distribution, Inc., American Enterprise Life Insurance Company and IDS Life Insurance Company filed electronically as Exhibit 8.24 to Post-Effective Amendment No. 41 to Registration Statement No. 333-79311 is incorporated herein by reference..
  (xxiv) Copy of Participation Agreement between IDS Life Insurance Company and INVESCO Variable Investment Funds, Inc, and INVESCO Distributors, Inc., dated August 13, 2001 filed electronically as Exhibit 8.9 to Post-Effective Amendment No. 10 to Registration Statement No. 333-79311 is incorporated herein by reference.
(i)   Not Applicable.
(j)   Not applicable.
(k)   Opinion of counsel and consent to its use as the legality of the securities being registered filed electronically as Exhibit (k) to Registrant’s Post-Effective Amendment No. 7 is incorporated by reference.
(l)   Consent of Independent Registered Public Accounting Firm will be filed by amendment.
(m)   Not applicable.
(n)   Not applicable.
(o)   Form of Initial Summary Prospectus filed electronically as Exhibit (o) to Registrant’s Post-Effective Amendment 7 to Registration Statement No.333-230376 is incorporated by reference.
(p) (i) Power of Attorney to sign Amendment to this Registration Statement, dated Jan. 11, 2022 filed electronically as Exhibit (p) to Registrant’s Registration Statement on Form N-4, File No. 333-262313, is incorporated herein by reference.
  (ii) Power of Attorney for Gumer C. Alvero and Brian E. Hartert to sign Amendment to this Registration Statement, dated March 18, 2022 filed electronically herewith.
Item 28. Directors and Officers of the Depositor The following are the Officers and Directors who are engaged directly or indirectly in activities relating to the Registrant or the variable annuity contracts offered by the Registrant and the executive officers of the Company:
Name   Principal Business Address*   Position and Offices
With Depositor
Gumer C. Alvero       Chairman of the Board and President
Michael J. Pelzel       Senior Vice President – Corporate Tax
Stephen P. Blaske       Director, Senior Vice President and Chief Actuary
Shweta Jhanji       Senior Vice President and Treasurer
Gene R. Tannuzzo       Director
Brian J. McGrane       Director
Brian E. Hartert       Chief Financial Officer
Paula J. Minella       Secretary
Jeninne C. McGee       Director
Gregg L. Ewing       Vice President and Controller
Mark Gorham       Director and Vice President – Insurance Product Development
Lynn Abbott       Vice President – National Sales Manager and Fund Management
* The business address is 70100 Ameriprise Financial Center, Minneapolis, MN 55474.
Item 29. Persons Controlled by or Under Common Control with the Depositor or the Registrant
The following is the list of subsidiaries of Ameriprise Financial, Inc:
SUBSIDIARIES AND AFFILIATES OF AMERIPRISE FINANCIAL, INC.
Parent Company/Subsidiary Name   Jurisdiction
Ameriprise Financial, Inc.*  
Delaware
Ameriprise Advisor Capital, LLC  
Delaware

 

Parent Company/Subsidiary Name   Jurisdiction
Ameriprise Advisor Financing, LLC  
Delaware
Ameriprise Asset Management Holdings Singapore (Pte.) Ltd.  
Signapore
Ameriprise Asset Management Holdings Hong Kong Limited  
Hong Kong
Threadneedle Portfolio Services Hong Kong Limited  
Hong Kong
BMO Global Asset Management (Asia) Limited  
Hong Kong
Columbia Threadneedle Investments Japan Co., Ltd.  
Japan
Columbia Threadneedle Malaysia Sdn Bhd.  
Malaysia
Threadneedle Investments Singapore (Pte.) Ltd.  
Singapore
Ameriprise Bank, FSB  
Federal
Ameriprise Capital Trust I  
Delaware
Ameriprise Capital Trust II  
Delaware
Ameriprise Capital Trust III  
Delaware
Ameriprise Capital Trust IV  
Delaware
Ameriprise Captive Insurance Company  
Vermont
Ameriprise Certificate Company  
Delaware
Investors Syndicate Development Corporation  
Nevada
Ameriprise Holdings, Inc.  
Delaware
Ameriprise India LLP1  
India
Ameriprise India Partner, LLC  
Delaware
Ameriprise Trust Company  
Minnesota
AMPF Holding, LLC  
Minnesota
American Enterprise Investment Services Inc.2  
Minnesota
Ameriprise Financial Services, LLC2  
Delaware
AMPF Property Corporation  
Michigan
Investment Professionals, Inc.2  
Texas
Columbia Management Investment Advisers, LLC  
Minnesota
Advisory Capital Strategies Group Inc.  
Minnesota
Columbia Wanger Asset Management, LLC  
Delaware
Emerging Global Advisors, LLC  
Delaware
GA Legacy, LLC  
Delaware
J. & W. Seligman & Co. Incorporated  
Delaware
Columbia Management Investment Distributors, Inc.2  
Delaware
Seligman Partners, LLC3  
Delaware
Lionstone BBP Limited Partner, LLC  
Delaware
Houston BBP, L.P.4  
Delaware
Lionstone Partners, LLC  
Texas

 

Parent Company/Subsidiary Name   Jurisdiction
Cash Flow Asset Management GP, LLC  
Texas
Cash Flow Asset Management, L.P.5  
Texas
CREAD Special VAD Limited Partner, LLC  
Delaware
Lionstone Advisory Services, LLC  
Texas
Lionstone CFRE II Real Estate Advisory, LLC  
Delaware
Lionstone Development Services, LLC  
Texas
LPL 1111 Broadway GP, LLC  
Texas
LPL 1111 Broadway, L.P.6  
Texas
Lionstone Raleigh Development Partners GP, LLC.  
Delaware
Lionstone Raleigh Development Partners, LP7  
Delaware
Lionstone VA Five, LLC  
Delaware
Lionstone US Value-Add Five, L.P.8  
Delaware
RiverSource CDO Seed Investments, LLC  
Minnesota
Columbia Management Investment Services Corp.  
Minnesota
Columbia Threadneedle Investments UK International Limited  
England & Wales
BMO Global Asset Management (Europe) Limited  
England & Wales
BMO Asset Management (Holdings) plc  
Scotland
BMO Astraeus III FP LP    
Astraeus III FP LP    
BMO AM Capital (Group) Limited  
Cayman Islands
BMO AM Capital (Holdings) Limited  
Cayman Islands
BMO AM Capital (UK) Limited  
England & Wales
Thames River Capital Family Benefit Trust  
England & Wales
BMO AM Multi-Manager LLP  
England & Wales
Thames River Capital LLP  
England & Wales
BMO AM Group (Holdings) Limited  
England & Wales
BMO AM Group (Management) Limited  
England & Wales
BMO AM Holdings Limited  
England & Wales
BMO AM Investment Services Limited  
England & Wales
BMO Asset Management Limited  
England & Wales

 

Parent Company/Subsidiary Name   Jurisdiction
F&C Unit Management Limited  
England & Wales
FCEM Holdings (UK) Limited  
England & Wales
F&C Emerging Markets Limited  
England & Wales
F&C (CI) Limited  
England & Wales
F&C Private Equity Nominee Limited  
England & Wales
BMO Asset Management Luxembourg S.A.9†  
Luxembourg
BMO Asset Management Netherlands B.V.  
Netherlands
BMO Portugal, Gestão de Patrimónios, S.A.  
Portugal
F&C Alternative Investments (Holdings) Limited  
England & Wales
F&C Ireland Limited  
Ireland
BMO AM Treasury Limited  
England & Wales
WAM Holdings Ltd  
England & Wales
BMO Fund Management Limited  
England & Wales
BMO Managers Limited  
England & Wales
BMO Asset Management (Services) Limited  
Scotland
BMO Astraeus III GP LLP    
BMO Global Asset Management (Swiss) GmbH  
Switzerland
BMO Investment Business Limited  
Scotland
BMO PE Co-Investment GP LLP  
Scotland
BMO FCIT PE FP LP9  
Scotland
BMO PE Co-Investment FP LP9  
Scotland
BMO Real Estate Partners LLP10  
England & Wales
BMO UK Residential Real Estate FCP -RAIF (Associate)  
England & Wales
REIT Asset Management Limited  
England & Wales
BMO REP (Corporate Services) Limited  
England & Wales
F&C REIT Corporate Finance Limited  
England & Wales
BMO Real Partners S.à.r.l.  
Luxembourg
BMO Real Estate Partners GmbH & Co. KG, München  
Germany
BMO Real Estate Partners Verwaltungsgesellschaft mbH, München (General Partner)  
Germany

 

Parent Company/Subsidiary Name   Jurisdiction
BMO REP Asset Management plc  
England & Wales
FOSCA II Manager S.à.r.l.  
Luxembourg
BMO REP Property Management Limited  
England & Wales
BMO Unit Trust Managers Limited  
England
Castle Mount Impact Partners GP LLP    
F&C Aurora (GP) Limited  
Scotland
LPE II (Founding Partner) LP  
Scotland
The Aurora Fund (Founder Partner) LP9  
Scotland
F&C Climate Opportunity Partners (GP) Limited  
Scotland
F&C Climate Opportunity Partners (GP) LP  
Scotland
F&C Climate Opportunity Partners (Founder Partner) LP9  
Scotland
F&C Equity Partners Holdings Limited  
England & Wales
F&C Equity Partners plc  
England & Wales
F&C European Capital Partners (GP) Limited  
Scotland
F&C European Capital Partners (Founder Partner) LP9  
Scotland
F&C European Capital Partners II (GP) Limited  
Scotland
F&C European Capital Partners II (Founder Partner) LP9  
Scotland
F&C European Capital Partners II (GP) LP  
Scotland
F&C Finance plc  
England & Wales
F&C Group ESOP Trustee Limited  
Scotland
F&C Investment Manager plc  
England & Wales
FP Asset Management Holdings Limited  
England & Wales
BMO Asset Managers Limited  
England & Wales
Ivory & Sime (Japan) KK  
Japan
Ivory & Sime Limited  
Scotland
LGM Investments Limited  
England & Wales
Pyrford International Limited  
England & Wales
RiverSource Distributors, Inc.2  
Delaware
RiverSource Life Insurance Company  
Minnesota
Columbia Cent CLO Advisers, LLC  
Delaware
RiverSource Life Insurance Co. of New York  
New York
RiverSource NY REO, LLC  
New York

 

Parent Company/Subsidiary Name   Jurisdiction
RiverSource REO 1, LLC  
Minnesota
RiverSource Tax Advantaged Investments, Inc.  
Delaware
AEXP Affordable Housing Portfolio, LLC11  
Delaware
TAM UK International Holdings Limited  
England & Wales
Threadneedle Asset Management Oversight Limited  
England & Wales
Ameriprise International Holdings GmbH  
Switzerland
Ameriprise Asset Management Holdings GmbH  
Switzerland
Threadneedle EMEA Holdings 1, LLC  
Minnesota, USA
Threadneedle Asset Management Holdings Sàrl**  
Luxembourg
CTM Holdings Limited  
Malta
Columbia Threadneedle Investments (ME) Limited  
Dubai
TAM Investment Limited  
England & Wales
Threadneedle Holdings Limited  
England & Wales
TAM UK Holdings Limited  
England & Wales
Threadneedle Asset Management Holdings Limited**  
England & Wales
Columbia Threadneedle Foundation  
England & Wales
TC Financing Limited  
England & Wales
Threadneedle Asset Management Limited  
England & Wales
Threadneedle Investment Services Limited  
England & Wales
Threadneedle Asset Management (Nominees) Limited  
England & Wales
Convivo Asset Management Limited  
England & Wales
Sackville TIPP Property (GP) Limited  
England & Wales
Threadneedle Investment Advisors Limited  
England & Wales
Threadneedle Portfolio Managers Limited  
England & Wales
Threadneedle Asset Management Finance Limited  
England & Wales
TMS Investment Limited  
Jersey
Threadneedle International Fund Management Limited  
England & Wales

 

Parent Company/Subsidiary Name   Jurisdiction
Threadneedle International Limited  
England & Wales
Threadneedle Investments (Channel Islands) Limited  
Jersey
Threadneedle Investments Limited  
England & Wales
Threadneedle Management Services Limited  
England & Wales
Threadneedle Capital Management Limited  
England & Wales
Threadneedle Pension Trustees Limited  
England & Wales
Threadneedle Securities Limited  
England & Wales
Threadneedle Navigator ISA Manager Limited  
England & Wales
Threadneedle Pensions Limited  
England & Wales
Threadneedle Portfolio Services AG  
Switzerland
Threadneedle Portfolio Services Limited  
England & Wales
Threadneedle Property Investments Limited  
England & Wales
Sackville (CTESIF) 2&3 GP Sàrl  
Luxembourg
Sackville LCW (GP) Limited  
England & Wales
Sackville LCW Sub LP 1 (GP) Limited  
England & Wales
 Sackville LCW Nominee 1 Limited  
England & Wales
 Sackville LCW Nominee 2 Limited  
England & Wales
Sackville LCW Sub LP 2 (GP) Limited  
England & Wales
 Sackville LCW Nominee 3 Limited  
England & Wales
 Sackville LCW Nominee 4 Limited  
England & Wales
Sackville Property (GP) Limited  
England & Wales
Sackville Property Atlantic (Jersey GP) Limited  
Jersey
Sackville Property Curtis (Jersey GP) Limited  
Jersey
Sackville Property Dunsfold (Jersey GP) Limited  
Jersey
Sackville Property Hayes (Jersey GP) Limited  
Jersey
Sackville UKPEC6 Hayes Nominee 1 Limited  
Jersey
Sackville UKPEC6 Hayes Nominee 2 Limited  
Jersey

 

Parent Company/Subsidiary Name   Jurisdiction
Sackville Property St James (Jersey GP) Limited  
Jersey
Sackville UKPEC9 St James Nominee 1 Limited  
Jersey
Sackville UKPEC9 St James Nominee 2 Limited  
Jersey
Sackville Property Tower (Jersey GP) Limited  
Jersey
Sackville UKPEC7 Tower Nominee 1 Limited  
Jersey
Sackville UKPEC7 Tower Nominee 2 Limited  
Jersey
Sackville Property Victoria (Jersey GP) Limited  
Jersey
Sackville SPF IV Property (GP) Limited  
England & Wales
Sackville SPF IV (GP) No. 1 Limited  
England & Wales
Sackville SPF IV (GP) No. 2 Limited  
England & Wales
Sackville SPF IV (GP) No. 3 Limited  
England & Wales
Sackville Tandem Property (GP) Limited  
England & Wales
Sackville TPEN Property (GP) Limited  
England & Wales
Sackville TSP Property (GP) Limited  
England & Wales
Sackville UK Property Select II (GP) Limited  
England & Wales
Sackville UK Property Select II (GP) No. 1 Limited  
England & Wales
Sackville UK Property Select II Nominee (1) Limited  
England & Wales
Sackville UK Property Select II (GP) No. 2 Limited  
England & Wales
Sackville UK Property Select II Nominee (2) Limited  
England & Wales
Sackville UK Property Select II (GP) No. 3 Limited  
England & Wales
Sackville UK Property Select II Nominee (3) Limited  
England & Wales
Sackville UK Property Select III (GP) No. 1 Limited  
England & Wales
Sackville UK Property Select III Nominee (1) Limited  
England & Wales
Sackville UK Property Select III Nominee (2) Limited  
England & Wales
Sackville UK Property Select III (GP) No. 2 Limited  
England & Wales
Sackville UK Property Select III Nominee (3) Ltd  
England & Wales

 

Parent Company/Subsidiary Name   Jurisdiction
Sackville UK Property Select III Nominee (4) Ltd  
England & Wales
Sackville UK Property Select III (GP) No. 3 Limited  
England & Wales
Sackville UK Property Select III Nominee (5) Ltd  
England & Wales
Sackville UK Property Select III Nominee (6) Ltd  
England & Wales
Sackville UKPEC1 Leeds (GP) Limited  
England & Wales
Sackville UKPEC1 Leeds Nominee 1 Limited  
England & Wales
Sackville UKPEC1 Leeds Nominee 2 Limited  
England & Wales
Sackville UKPEC2 Galahad (GP) Limited  
England & Wales
Sackville UKPEC3 Croxley (GP) Limited  
England & Wales
Sackville UKPEC3 Croxley Nominee 1 Limited  
England & Wales
Sackville UKPEC3 Croxley Nominee 2 Limited  
England & Wales
Sackville UKPEC4 Brentford (GP) Limited  
England & Wales
Threadneedle Property Execution 1 Limited  
England & Wales
Threadneedle Property Execution 2 Limited  
England & Wales
Threadneedle Unit Trust Manager Limited  
England & Wales
Threadneedle Management Luxembourg S.A.  
Luxembourg

Unless otherwise indicated all ownership interests are 100%
* Publicly-traded company (NYSE: AMP)
** The company has non-voting shares held by third parties
Regulated by Luxembourg Authority
FINMA Authorized Representative office of BMO Asset Management Ltd.
1 Owned by: Ameriprise Financial, Inc. 100% profit sharing ratio with capital contribution of 124,078,760 INR (Indian currency=rupees) & 10 INR owned each by Columbia Management Investment Advisers, LLC & Ameriprise India Partner, LLC
2 Registered broker-dealer
3 Managed by members of onshore hedge fund feeders
4 Owned by: Lionstone BBP Limited Partner, LLC (2%) & Teacher Retirement System of Texas (98%)
5 Owned by: Lionstone Partners, LLC (99%) & Cash Flow Asset Management GP, LLC (1%).
6 Owned by: Lionstone Partners, LLC (99.9%) & LPL 1111 Broadway GP, LLC (0.1%)
7 Owned by Lionstone Raleigh Development Partners GP, LLC (1.88%), LS Employee Holdings, LLC (0.82%), LORE MUDTC Club AIV, LP (48.65%) and California State Teachers’ Retirement System (48.65%)
8 Owned by Lionstone VA Five, LLC (2%), LVA5 Holdings, LLC (1%), Teacher Retirement System of Texas (26.2%), California State Teachers’ Retirement System (26.2%), William Marsh Rice University (5.2%) and Lion Real Estate LLC (39.4%)
9 BMO Asset Management (Holdings) plc owns a percentage of the entity
10 BMO AM Treasury Limited holds 1 unit
11 One-third of this entity is owned by American Express Travel Related Services.

 

Item 30. Indemnification
The amended and restated By-Laws of the depositor provide that the depositor will indemnify, to the fullest extent now or hereafter provided for or permitted by law, each person involved in, or made or threatened to be made a party to, any action, suit, claim or proceeding, whether civil or criminal, including any investigative, administrative, legislative, or other proceeding, and including any action by or in the right of the depositor or any other corporation, or any partnership, joint venture, trust, employee benefit plan, or other enterprise (any such entity, other than the depositor, being hereinafter referred to as an “Enterprise”), and including appeals therein (any such action or process being hereinafter referred to as a “Proceeding”), by reason of the fact that such person, such person’s testator or intestate (i) is or was a director or officer of the depositor, or (ii) is or was serving, at the request of the depositor, as a director, officer, or in any other capacity, or any other Enterprise, against any and all judgments, amounts paid in settlement, and expenses, including attorney’s fees, actually and reasonably incurred as a result of or in connection with any Proceeding, except as provided below.
No indemnification will be made to or on behalf of any such person if a judgment or other final adjudication adverse to such person establishes that such person’s acts were committed in bad faith or were the result of active and deliberate dishonesty and were material to the cause of action so adjudicated, or that such person personally gained in fact a financial profit or other advantage to which such person was not legally entitled. In addition, no indemnification will be made with respect to any Proceeding initiated by any such person against the depositor, or a director or officer of the depositor, other than to enforce the terms of this indemnification provision, unless such Proceeding was authorized by the Board of Directors of the depositor. Further, no indemnification will be made with respect to any settlement or compromise of any Proceeding unless and until the depositor has consented to such settlement or compromise.
The depositor may, from time to time, with the approval of the Board of Directors, and to the extent authorized, grant rights to indemnification, and to the advancement of expenses, to any employee or agent of the depositor or to any person serving at the request of the depositor as a director or officer, or in any other capacity, of any other Enterprise, to the fullest extent of the provisions with respect to the indemnification and advancement of expenses of directors and officers of the depositor.
Insofar as indemnification for liability arising under the Securities Act of 1933 (the “Act”) may be permitted to directors, officers and controlling persons of the depositor or the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.
Item 31. Principal Underwriter
(a) RiverSource Distributors Inc. acts as principal underwriter for:
RiverSource Variable Annuity Account 1
RiverSource Variable Annuity Account
RiverSource Account F
RiverSource Variable Annuity Fund A
RiverSource Variable Annuity Fund B
RiverSource Variable Account 10
RiverSource Account SBS
RiverSource MVA Account
RiverSource Account MGA
RiverSource Account for Smith Barney
RiverSource Variable Life Separate Account
RiverSource Variable Life Account
RiverSource of New York Variable Annuity Account 1
RiverSource of New York Variable Annuity Account 2
RiverSource of New York Account 4
RiverSource of New York Account 7
RiverSource of New York Account 8
(b) As to each director, officer or partner of the principal underwriter:
Name and Principal
Business Address*
      Positions and Offices
with Underwriter
Lynn Abbott       President
Gumer C. Alvero       Chairman of the Board and Chief Executive Officer
Shweta Jhanji       Senior Vice President and Treasurer
Paula J. Minella       Secretary
Michael S. Mattox       Chief Financial Officer

 

* The business address is 70100 Ameriprise Financial Center, Minneapolis, MN 55474.
(c) RiverSource Distributors Inc., the principal underwriter during Registrant’s last fiscal year, was paid the following commissions:
NAME OF PRINCIPAL
UNDERWRITER
  NET
UNDERWRITING
DISCOUNTS AND
COMMISSIONS
  COMPENSATION ON
REDEMPTION
  BROKERAGE
COMMISSIONS
  COMPENSATION
RiverSource Distributors, Inc.   $400,566,242   None   None   None
Item 32. Location of Accounts and Records
RiverSource Life Insurance Company
70100 Ameriprise Financial Center
Minneapolis, MN 55474
Item 33. Management Services
Not applicable.
Item 34. Fee Representation
The RiverSource Life Insurance Company (the Company) hereby represents that the fees and charges deducted under the Contracts, in the aggregate, are reasonable in relation to the services rendered, the expenses to be incurred, and the risks assumed by the Company.
The Company hereby represents that it is relying on the November 28, 1988 no-action letter (Ref. No. IP-6-88) relating to variable annuity contracts offered as funding vehicles for retirement plans meeting the requirements of Section 403(b) of the Internal Revenue Code. Registrant further represents that it will comply with the provisions of paragraphs (1)-(4) of that letter.

 

SIGNATURES
As required by the Securities Act of 1933 and the Investment Company Act of 1940, RiverSource Life Insurance Company, on behalf of the Registrant, certifies that it meets all of the requirements for effectiveness of this registration statement under rule 485(b) under the Securities Act and has duly caused this Registration Statement to be signed on its behalf by the undersigned, thereunto duly authorized in the City of Minneapolis, and State of Minnesota, on the 24th day of March 2022.
  By RiverSource Variable Account 10
  (Registrant)
  By RiverSource Life Insurance Company
  (Depositor)
  By /s/ Gumer C. Alvero**
    Gumer C. Alvero
Chairman of the Board and President
As required by the Securities Act of 1933, Amendment to this Registration Statement has been signed by the following persons in the capacities indicated on the 24th day of March, 2022.
Signature Title
/s/ Gumer C. Alvero** Chairman of the Board and President
(Chief Executive Officer)
Gumer C. Alvero
/s/ Michael J. Pelzel* Senior Vice President – Corporate Tax
Michael J. Pelzel
/s/ Stephen P. Blaske* Director, Senior Vice President and Chief Actuary
Stephen P. Blaske
/s/ Shweta Jhanji* Senior Vice President and Treasurer
Shweta Jhanji
/s/ Brian J. McGrane* Director
Brian J. McGrane
/s/ Brian E. Hartert** Chief Financial Officer
Brian E. Hartert
/s/ Jeninne C. McGee* Director
Jeninne C. McGee
/s/ Gene R. Tannuzzo* Director
Gene R. Tannuzzo
/s/ Gregg L. Ewing * Vice President and Controller
(Principal Accounting Officer)
Gregg L. Ewing
/s/ Nicole D. Wood  
Nicole D. Wood
Assistant General Counsel and Assistant Secretary