Ameriprise® Credit Card Cash Back Calculator Disclosures

Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement for additional information.

1 Eligible Ameriprise accounts include Ameriprise® Active Portfolios® account, Ameriprise® Strategic Portfolio Services (SPS) Advantage account, Ameriprise ONE® Financial Account, Ameriprise® Brokerage account and Ameriprise® Cash Reserve Certificate account.

2 Ameriprise® Premier Visa Signature®: The 1.875% cash back rewards value applies only to Rewards Points redeemed for a deposit into an eligible Ameriprise account or for an Ameriprise financial planning certificate. You earn 1.5 Rewards Points for each $1 spent in eligible net purchases. If you choose to redeem for cash back into an Ameriprise Financial account, you will receive 1.25% cash back per Rewards Point when doing so. $1 spend = 1.5 Rewards Points earned. 1.5 Rewards Points * 1.25% = 1.875% cash back per $1 of spend. Example: If you spend $20,000 on eligible net purchases, you’ll earn 30,000 Rewards Points; and if you choose to redeem these Rewards Points earned for cash back into an eligible Ameriprise account, you will receive $375. Rewards Points redemption minimums as well as other restrictions may apply.

Ameriprise® Visa Signature®: The 1.25% cash back rewards value applies only to Rewards Points redeemed for a deposit into an eligible Ameriprise account or for an Ameriprise financial planning certificate. You earn 1 Rewards Point for each $1 spent in eligible net purchases. Example: If you spend $30,000 on eligible net purchases, you’ll earn 30,000 Rewards Points; and if you choose to redeem these Rewards Points earned for cash back into an eligible Ameriprise account, you will receive $375. Rewards Points redemption minimums as well as other restrictions may apply. The redemption value is different if you choose to redeem your Rewards Points for rewards other than cash back such as travel options, merchandise, gift cards, and/or statement credit. Other restrictions apply. Full details appear in the Rewards Program Terms and Conditions located at ameriprise.com/rewards. Eligible Ameriprise accounts include Ameriprise® Active Portfolios® account, Ameriprise® Strategic Portfolio Services (SPS) Advantage account, Ameriprise ONE® Financial Account, Ameriprise® Brokerage account and Ameriprise® Cash Reserve Certificate account. Net purchases are purchases minus credits and returns that you charge on your Ameriprise credit card. Certain transactions are not eligible for Rewards Points, including Advances (as defined in the Cardmember Agreement, including wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. You may not redeem Rewards Points, and you will immediately lose all of your Rewards Points, if your account is closed to future transactions (including, but not limited to, Program misuse, failure to pay, bankruptcy, or death). Rewards Points earned through the use of the account but not redeemed will expire and be forfeited five (5) years from the date the earned Rewards Points post to your Rewards account. Rewards Points will be redeemed and expired on a first-in, first-out basis. Refer to your Rewards Program Terms and Conditions located at ameriprise.com/rewards for additional information. Points are redeemed in increments of 30,000 when being redeemed for Cash Back into an eligible Ameriprise account. Cash back values are subject to change. To redeem Rewards Points, you can sign into the secure site at ameriprise.com and select your Rewards Account from the Overview page. In the Rewards Center, you can choose “CASH” and then select or input your eligible Ameriprise account and confirm the redemption request. The cash back transaction will be processed within 10-15 business days from your redemption. You can obtain information regarding the redemption options available by calling the Rewards Service Center at 800.867.0843.

3 Estimated Monthly Spend In Eligible Net Purchases is the average amount expected to be spent monthly in the eligible net purchases on either Ameriprise® Premier Visa Signature® or Ameriprise® Visa Signature®.

4 Annual Cash Back Value is only provided for informational purposes. We do not guarantee the accuracy, completeness and timeliness of the information. Annual Cash Back Value is the enhanced cash back rewards value for the Rewards Points redeemed for deposit into an eligible Ameriprise account multiplied by the annual spend in eligible net purchases. The enhanced cash back values into an eligible Ameriprise financial account are: 1.875% for Ameriprise® Premier Visa Signature® and 1.25% for Ameriprise® Visa Signature®.

5 Past performance is not a guarantee of future results. Actual results will vary. This example is for illustrative purposes only in order to demonstrate the hypothetical effect of investing the monthly enhanced cash back value of Rewards Points earned into an eligible Ameriprise account and is not guaranteed. Eligible Ameriprise accounts for purposes of this Ameriprise® Credit Card Cash Back Calculator include Ameriprise® Active Portfolios® account, Ameriprise® Strategic Portfolio Services (SPS) Advantage account, Ameriprise ONE® Financial Account and Ameriprise® Brokerage account. This example is not intended to predict or project the performance of any investment security or investment strategy.

This example assumes the following: The cardholder elects to redeem all available earned Rewards Points for cash back value into an eligible Ameriprise brokerage or managed account for purposes of this Ameriprise® Credit Card Cash Back Calculator for a period of 20 years. The credit card balance is paid in full each month and no funds are withdrawn from the eligible account during the 20-year period. The hypothetical investment return is calculated as a constant 7% throughout the 20-year period compounded annually. The cardholder will redeem the Rewards Points two months after earning the minimum Rewards Points necessary for redeeming cash back into the eligible Ameriprise accounts for purposes of this Ameriprise® Credit Card Cash Back Calculator. The cash back redeemed into the eligible account will start to earn the hypothetical investment return during the first full calendar year after the year that amount was deposited into an eligible Ameriprise account for purposes of this Ameriprise® Credit Card Cash Back Calculator. The one-time enrollment bonus available on Ameriprise® Premier Visa Signature® or Ameriprise® Visa Signature® is not included in the amount of the Rewards Points earned for the purposes of the Ameriprise® Credit Card Cash Back Calculator. The future value is the result of compound growth calculation using the assumptions above. Taxes, inflation, fees and/or expenses have not been considered. If they had been deducted, performance would be lower. Performance will vary and you may have a gain or a loss when you sell shares.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

Elan Financial Services is the creditor and issuer of Ameriprise® Visa Signature® credit cards, pursuant to a license from Visa U.S.A. Inc., and does not administer the account Rewards Program.

Ameriprise Bank, FSB administers all operational aspects of the Rewards Program. Please visit ameriprise.com/rewards for the Ameriprise Rewards Program Terms and Conditions details. Offers are subject to change.

You may not use your Ameriprise® Premier Visa Signature® card or Ameriprise® Visa Signature® card account (including, but not limited to, the use of convenience checks and cash advances drawn on your credit card account) to purchase investments or securities.

Ameriprise Bank, FSB provides deposit, lending, and personal trust products and services to its customers, including clients of Ameriprise Financial Services, LLC (“AFS”). Ameriprise Bank, FSB and AFS are subsidiaries of Ameriprise Financial, Inc. AFS financial advisors may receive compensation for selling bank products.

Investment products made available through AFS are not FDIC insured, are not deposits or other obligations of Ameriprise Bank, FSB, or any other financial institution, and are not guaranteed by Ameriprise Bank, FSB, and are subject to investment risks, including possible loss of principal invested.

Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser.

Ameriprise Financial Services, LLC. Member FINRA and SIPC.

Ameriprise Bank, FSB. Member FDIC.

Ameriprise® and Ameriprise Financial logo are registered service marks of Ameriprise Financial, Inc.