Protection and oversight for your accounts

For over a century, through good times and through tough times, Ameriprise Financial has been there when our clients needed us. The strength of our commitment is matched by our strength as a company. Below are just some of the ways that we look out for our clients, maintain a solid financial foundation, and run our business prudently within the regulatory environment.

SIPC coverage — Ameriprise® brokerage account Our multi-bank program is called the Ameriprise® assets are protected by the Securities Investor Insured Money Market Account (AIMMA). With AIMMA, Protection Corporation (SIPC), a non-profit Ameriprise transfers (or “sweeps”) brokerage account membership corporation. SIPC protection covers cash balances to multiple banks (possibly including the securities and cash held in brokerage accounts Ameriprise Bank, FSB), each of which is FDIC-insured. in the event of the failure or insolvency of the Through AIMMA, clients are eligible to receive up to brokerage firm where those assets are held. $2.5 million in FDIC protection for cash in your SIPC does not protect against brokerage accounts. Joint accounts are protected up investment losses, only against the loss of cash to $5 million in cash. or securities held in a brokerage account due to the financial failure of the brokerage firm. Our single-bank program is called Ameriprise Bank SIPC offers protection up to a maximum of Insured Sweep Account (ABISA). With ABISA, $500,000 per client — including a $250,000 limit Ameriprise transfers or sweeps brokerage account on claims for cash held in the brokerage account. cash balances to a single bank, Ameriprise Bank, Our brokerage accounts are also covered by FSB, which is FDIC-insured. Through ABISA, clients supplemental "excess SIPC" insurance, which are eligible to receive up to $250,000 in FDIC provides further protection to our clients (including protection for cash in brokerage accounts held up to $1.9 million for customer cash balances in a within your qualified plan. brokerage account), subject to an aggregate policy Regulatory oversight — In addition, the limit of $750 million for all client claims. Review brokerage and investment businesses of your Client Agreement to learn more about the Ameriprise are regulated by federal, state and SIPC insurance coverage specific to your Ameriprise® other regulators. accounts. You can learn more about the SIPC by visiting its website at sipc.org. Among other rules, we comply with the following: FDIC insurance — FDIC insurance covers • We can’t use your assets to run our businesses brokered CDs owned in brokerage accounts without your consent. Client assets held in and deposits in FDIC member federal banking segregated accounts can't be used in our business institutions, such as banks and savings associations. operations. FDIC insurance currently provides $250,000 per • You receive accurate records of brokerage account depositor, per insured bank, for each ownership transactions, such as account statements and category. To learn more about FDIC insurance, visit confirmations of transactions. For added safety, we fdic.gov. keep all records in multiple secure locations. For cash held in an Ameriprise brokerage account, • We maintain adequate levels of cash and liquid we offer most customers an FDIC-insured “sweep” investments to meet our financial obligations to account program. you. Ameriprise , Inc. also ensures We protect your personal information — Your online that: security is a top priority. That’s why we offer our • All our representatives are properly registered to Online Security Guarantee to ensure that your conduct business. personal and account information are safe. It includes the following measures: • All locations from which our representatives serve clients are also appropriately registered. • We use industry-standard security methods, • Our representatives have completed qualifying including firewalls, encryption and client exams and annual continuing education authentication technology to control account requirements. access. • All representatives are required to adhere to a • Your password is private and is not accessible to strict code of conduct. any employee of Ameriprise. • The secure site on ameriprise.com protects the Insurance products and services — Ameriprise information you share with your advisor so it Financial offers insurance and annuity products remains confidential. and services produced by its affiliates, RiverSource • The secure site also offers tools and resources that Life Insurance Company and RiverSource Life make it easy for you to securely view and manage Insurance Co. of New York, which continue to receive your accounts. high financial strength ratings from independent rating agencies. Insurance and annuity product Your confidentiality is important, so we encourage guarantees are subject to the claims-paying you to protect your password and use up-to-date ability of the issuing company, and are not technology, including firewalls and anti-spyware, to insured by the FDIC or SIPC. protect your information. To learn more, visit ameriprise.com/security

Insurer Financial Strength Ratings RiverSource Life Insurance Company and RiverSource Life Insurance Co. of New York are rated individually. Currently the ratings are the same for both companies.

RiverSource Life Rating agencies Last update

A.M. Best1 A+ Superior Stable outlook 10/05/18 ambest.com (Second highest of 15 ratings) Moody’s2 Aa3 Excellent Stable outlook 8/8/18 moodys.com (Fourth highest of 21 ratings) Standard & Poor’s3 AA- Very Strong Stable outlook 11/12/18 standardandpoors.com (Fourth highest of 21 ratings)

Ratings shown are as of date listed above. For the most current ratings, please see the individual rating agency websites.

1The A+ rating is assigned to companies considered to have a superior ability to meet their ongoing obligations to policyholders. A.M. Best assigns ratings from A++ to F.

2Insurance companies rated in the Aa group are judged to be of high quality and subject to very low credit risk. Moody’s assigns ratings from Aaa to C.

3Insurers in the AA category are considered to have a very strong capacity to meet financial commitments. The plus (+) or minus (-) sign indicates relative standing within the category. Standard & Poor’s assigns ratings from AAA to CC.

Rules for the insurance industry vary from state to state. Our insurance affiliates meet the requirements of each state in which they offer disability income, life insurance and annuity products, as well as the requirements of securities laws and regulations that apply to variable life insurance and annuity products.

We have safety measures for records, compliance • Internal compliance staff — Ameriprise Financial has and emergencies — In addition to regulation and a dedicated compliance staff to help us stay current insurance coverage, Ameriprise Financial has the on regulatory requirements. following measures in place: • Annual audits — An independent accounting firm Safe securities holding — American Enterprise conducts annual audits and provides an annual Investment Services, Inc. (AEIS) is the subsidiary assessment of reported financials as well as the responsible for trading, settlement and custody custody functions AEIS provides for customers’ of cash and securities for brokerage clients of brokerage assets. AEIS publishes a Statement of Ameriprise Financial. AEIS stores digital records of Financial Condition twice annually, available online securities in a central depository. This system is an at ameriprise.com/aeisfinancialstatement. industry standard which is considered safe and • Business continuity plan — This plan is designed cost-effective. Unlike individual stock certificates, to provide service to our clients during any book-entry securities are less vulnerable to theft significant disruptions of business operations. and can’t be counterfeited. The plan includes contingency arrangements at AEIS keeps records of each customer’s holdings our headquarters and at our data centers located and provides periodic statements that reflect in other parts of the country and is tested current client positions. annually.

Ameriprise Financial cannot guarantee future financial results. RiverSource Distributors, Inc. (Distributor), Member FINRA. Insurance and Annuity products are Issued by RiverSource Life Insurance Company, , and, in New York only, by RiverSource Life Insurance Co. of New York, Albany, New York. Affiliates of Ameriprise Financial Services, Inc.

Ameriprise Insured Money Market Account (AIMMA): AIMMA is an FDIC insured, interest-bearing bank deposit product made available by Ameriprise Financial and held in an omnibus Account(s) at one or more FDIC member banks (collectively, the "Program Banks"), and including our affiliate, Ameriprise Bank, FSB. The Program Banks may serve individually as custodians for all or a portion of the assets held within your AIMMA, as described in the Other Important Brokerage Disclosures. For a copy of the Other Important Brokerage Disclosures, visit our website at ameriprise.com/disclosures or call our service line at 800.862.7919. Deposit products are FDIC insured up to $250,000 per depositor at each Program Bank, and up to $2.5 million per depositor across all Program Banks combined. Deposit products are not covered by SIPC. See the Money Settlement Options section of the Ameriprise Brokerage Client Agreement for further information.

Ameriprise Bank Insured Sweep Account (ABISA). ABISA is an FDIC insured, interest-bearing bank deposit product made available by Ameriprise Financial for certain tax-qualified discretionary investment advisory accounts and for SPS Advantage trustee-directed 401(a) accounts. Deposits are held in an omnibus account(s) at Ameriprise Bank, FSB, Member FDIC, an affiliate of Ameriprise Financial. Ameriprise Trust Company serves as custodian for the assets held within your Qualified Plan Accounts, including assets held in ABISA, as described in the Other Important Brokerage Disclosures. For a copy of the Other Important Disclosures, visit our website at ameriprise.com/disclosures or call our service line at 800.862.7919. Deposit products are FDIC insured up to $250,000 per depositor, per FDIC rules. Deposit products are not covered by SIPC. See the Money Settlement Options section of the Ameriprise Brokerage Client Agreement for further information.

Ameriprise Bank, FSB provides deposit, lending, and personal trust products and services to its customers, including clients of Ameriprise Financial Services, Inc. (“AFSI”). Ameriprise Bank, FSB and AFSI are subsidiaries of Ameriprise Financial, Inc. AFSI financial advisors may receive compensation for selling bank products. Investment products are not federally or FDIC-insured, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value. Ameriprise Financial Services, Inc. Member FINRA and SIPC. Margin lending and brokerage clearing services provided by American Enterprise Investment Services, Inc. Member FINRA and SIPC. Both firms are subsidiaries of Ameriprise Financial, Inc. © 2019 Ameriprise Financial, Inc., All rights reserved. 242637 V (5/19)