Riversource® RAVA 5 Choice Variable Annuity - New York

RiverSource® RAVA 5 Choice variable annuity - New York

Issued by RiverSource Life Insurance Co. of New York, Albany NY (RiverSource Life of New York)

Performance for Annuities for month ending 08/31/2021 and quarter ending 06/30/2021 Current applicable charges deducted from performance include a 1.20% Mortality and Expense (M & E) fee and administrative charge, if applicable, $50 contract administrative charge and 7.00% declining surrender charge for purchase payments less than 7 years old. The fees you are paying may be different. Refer to your contract for details. The contract form number for this product is 411381-NY.

Average Annual Total Returns Average Annual Total Returns Since Commencement of the Subaccount Since Commencement of fund as of month-ending 08/31/2021 as of month-ending 08/31/2021

Subaccount Subaccount Fund 1 3 1 3 5 10 Since 1 3 5 10 Since Inception Inception month month YTD year. year. year. year. Inception* year. year. year. year. Inception*

PORTFOLIO NAVIGATOR Variable Portfolio - Aggressive Portfolio (Class 2) No Surrender Charges (05/07/2010) (05/07/2010) 2.06% 3.84% 14.07% 24.30% 10.98% 10.68% 8.86% 8.63% 24.30% 10.98% 10.68% 8.86% 8.63% With Surrender Charges (05/07/2010) (05/07/2010) 1.92% 3.57% 13.09% 22.59% 10.28% 10.23% 8.86% 8.63% 22.59% 10.28% 10.23% 8.86% 8.63% Variable Portfolio - Moderately Aggressive Portfolio (Class 2) No Surrender Charges (05/07/2010) (05/07/2010) 1.62% 3.34% 11.05% 19.38% 9.71% 9.02% 7.51% 7.40% 19.38% 9.71% 9.02% 7.51% 7.40% With Surrender Charges (05/07/2010) (05/07/2010) 1.50% 3.11% 10.28% 18.02% 9.08% 8.63% 7.51% 7.40% 18.02% 9.08% 8.63% 7.51% 7.40% Variable Portfolio - Moderate Portfolio (Class 2) No Surrender Charges (05/07/2010) (05/07/2010) 1.18% 2.88% 8.03% 14.60% 8.44% 7.32% 6.18% 6.19% 14.60% 8.44% 7.32% 6.18% 6.19% With Surrender Charges (05/07/2010) (05/07/2010) 1.09% 2.67% 7.47% 13.57% 7.89% 7.00% 6.18% 6.19% 13.57% 7.89% 7.00% 6.18% 6.19% Variable Portfolio - Moderately Conservative Portfolio (Class 2) No Surrender Charges (05/07/2010) (05/07/2010) 0.76% 2.39% 5.11% 9.96% 6.89% 5.48% 4.69% 4.78% 9.96% 6.89% 5.48% 4.69% 4.78% With Surrender Charges (05/07/2010) (05/07/2010) 0.71% 2.22% 4.75% 9.27% 6.44% 5.23% 4.69% 4.78% 9.27% 6.44% 5.23% 4.69% 4.78% Variable Portfolio - Conservative Portfolio (Class 2) No Surrender Charges (05/07/2010) (05/07/2010) 0.36% 1.90% 2.42% 5.67% 5.28% 3.69% 3.28% 3.46% 5.67% 5.28% 3.69% 3.28% 3.46% With Surrender Charges (05/07/2010) (05/07/2010) 0.34% 1.77% 2.25% 5.28% 4.93% 3.52% 3.28% 3.46% 5.28% 4.93% 3.52% 3.28% 3.46%

CASH EQUIVALENTS Columbia Variable Portfolio - Government Money Market Fund (Class 2)1 No Surrender Charges (07/19/2010) (10/13/1981) -0.11% -0.33% -0.85% -1.27% -0.48% -0.63% -0.96% -1.00% -1.27% -0.48% -0.63% -0.96% 2.43% With Surrender Charges (07/19/2010) (10/13/1981) -0.11% -0.33% -0.85% -1.27% -0.48% -0.63% -0.96% -1.00% -1.27% -0.48% -0.63% -0.96% 2.43% Columbia Variable Portfolio - Government Money Market Fund (Class 2) seven-day simple yield was 0.01% and its seven-day compound yield was 0.01% as of the month ending 08/31/2021. The yield more closely reflects the current earnings than the total return quotation. ALTERNATIVES Neuberger Berman AMT U.S. Equity Index PutWrite Strategy Portfolio (Class S) No Surrender Charges (06/30/2014) (05/01/2014) 1.70% 3.89% 13.48% 21.16% 7.88% 5.83% - 2.65% 21.16% 7.88% 5.83% - 2.73% With Surrender Charges (06/30/2014) (05/01/2014) 1.58% 3.62% 12.54% 19.68% 7.36% 5.57% - 2.65% 19.68% 7.36% 5.57% - 2.73% DWS Alternative Asset Allocation VIP, Class B2 No Surrender Charges (04/30/2012) (02/02/2009) 0.97% 2.90% 10.21% 18.12% 6.64% 3.78% - 2.18% 18.12% 6.64% 3.78% 2.12% 4.28% With Surrender Charges (04/30/2012) (02/02/2009) 0.90% 2.70% 9.50% 16.86% 6.20% 3.60% - 2.18% 16.86% 6.20% 3.60% 2.12% 4.28%

VARIABLE ANNUITIES: ARE NOT A DEPOSIT OF ARE NOT INSURED BY ANY ANY BANK OR ANY BANK ARE NOT FDIC INSURED FEDERAL GOVERNMENT ARE NOT BANK MAY LOSE VALUE AFFILIATE AGENCY GUARANTEED RAVA 5 Choice NY This material not valid without all pages. Page 1 of 19 RiverSource® RAVA 5 Choice variable annuity - New York

Average Annual Total Returns Average Annual Total Returns Since Commencement of the Subaccount Since Commencement of fund as of month-ending 08/31/2021 as of month-ending 08/31/2021

Subaccount Subaccount Fund 1 3 1 3 5 10 Since 1 3 5 10 Since Inception Inception month month YTD year. year. year. year. Inception* year. year. year. year. Inception* ALTERNATIVES (CONT.) Goldman Sachs VIT Multi-Strategy Alternatives Portfolio - Advisor Shares No Surrender Charges (06/30/2014) (04/25/2014) 0.80% 0.78% 4.62% 8.97% 4.29% 2.19% - 0.10% 8.97% 4.29% 2.19% - 0.33% With Surrender Charges (06/30/2014) (04/25/2014) 0.74% 0.73% 4.30% 8.34% 4.00% 2.08% - 0.10% 8.34% 4.00% 2.08% - 0.33%

ASSET ALLOCATION AB VPS Dynamic Asset Allocation Portfolio (Class B) No Surrender Charges (04/29/2013) (04/01/2011) 1.16% 2.46% 7.25% 13.63% 5.31% 5.20% - 4.07% 13.63% 5.31% 5.20% 4.61% 4.08% With Surrender Charges (04/29/2013) (04/01/2011) 1.08% 2.29% 6.74% 12.68% 4.95% 4.97% - 4.07% 12.68% 4.95% 4.97% 4.61% 4.08% BlackRock Global Allocation V.I. Fund (Class III)3 No Surrender Charges (04/30/2012) (02/28/1992) 0.83% 0.48% 6.46% 16.67% 10.59% 8.61% - 6.24% 16.67% 10.59% 8.61% 6.01% 5.96% With Surrender Charges (04/30/2012) (02/28/1992) 0.78% 0.45% 6.01% 15.50% 9.91% 8.24% - 6.24% 15.50% 9.91% 8.24% 6.01% 5.96% Janus Henderson Balanced Portfolio: Service Shares No Surrender Charges (04/27/2018) (12/31/1999) 1.46% 6.22% 11.95% 16.97% 12.14% - - 12.98% 16.97% 12.14% 12.44% 9.95% 6.05% With Surrender Charges (04/27/2018) (12/31/1999) 1.36% 5.78% 11.11% 15.78% 11.38% - - 12.29% 15.78% 11.38% 11.93% 9.95% 6.05% Columbia Variable Portfolio - Balanced Fund (Class 2) No Surrender Charges (05/03/2021) (04/30/1986) 1.38% 4.10% - - - - - 4.67% 19.22% 12.64% 10.54% 10.05% 7.24% With Surrender Charges (05/03/2021) (04/30/1986) 1.28% 3.81% - - - - - 4.35% 17.88% 11.85% 10.10% 10.05% 7.24% Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares No Surrender Charges (04/29/2013) (01/23/2009) 0.96% 2.58% 8.49% 17.95% 7.89% 5.85% - 4.21% 17.95% 7.89% 5.85% 4.73% 7.07% With Surrender Charges (04/29/2013) (01/23/2009) 0.90% 2.40% 7.90% 16.70% 7.37% 5.59% - 4.21% 16.70% 7.37% 5.59% 4.73% 7.07% Columbia Variable Portfolio - Balanced Fund (Class 3) No Surrender Charges (11/07/2002) (04/30/1986) 1.36% 4.11% 12.27% 19.25% 12.74% 10.64% 10.15% 7.16% 19.25% 12.74% 10.64% 10.15% 7.26% With Surrender Charges (11/07/2002) (04/30/1986) 1.27% 3.82% 11.41% 17.91% 11.94% 10.20% 10.15% 7.16% 17.91% 11.94% 10.20% 10.15% 7.26% Franklin Income VIP Fund - Class 24 No Surrender Charges (04/29/2013) (01/24/1989) 0.76% 1.10% 11.27% 20.67% 5.54% 6.13% - 4.61% 20.67% 5.54% 6.13% 5.87% 7.01% With Surrender Charges (04/29/2013) (01/24/1989) 0.71% 1.02% 10.48% 19.23% 5.17% 5.85% - 4.61% 19.23% 5.17% 5.85% 5.87% 7.01% Lazard Retirement Global Dynamic Multi-Asset Portfolio - Service Shares No Surrender Charges (04/29/2013) (04/30/2012) 1.36% 3.62% 8.65% 14.09% 4.39% 6.32% - 5.35% 14.09% 4.39% 6.32% - 6.10% With Surrender Charges (04/29/2013) (04/30/2012) 1.27% 3.37% 8.04% 13.10% 4.10% 6.04% - 5.35% 13.10% 4.10% 6.04% - 6.10% Delaware Ivy VIP Asset Strategy, Class II No Surrender Charges (04/29/2013) (05/01/1995) 1.56% 2.71% 8.67% 17.93% 9.78% 9.41% - 5.27% 17.93% 9.78% 9.41% 5.58% 7.94% With Surrender Charges (04/29/2013) (05/01/1995) 1.45% 2.52% 8.07% 16.68% 9.15% 9.01% - 5.27% 16.68% 9.15% 9.01% 5.58% 7.94% PIMCO VIT All Asset Portfolio, Advisor Class5 No Surrender Charges (05/01/2006) (04/30/2003) 0.55% 2.33% 13.67% 24.87% 8.90% 6.95% 4.31% 4.38% 24.87% 8.90% 6.95% 4.31% 4.95% With Surrender Charges (05/01/2006) (04/30/2003) 0.51% 2.17% 12.71% 23.13% 8.32% 6.65% 4.31% 4.38% 23.13% 8.32% 6.65% 4.31% 4.95% PIMCO VIT Global Managed Asset Allocation Portfolio, Advisor Class No Surrender Charges (04/30/2012) (04/15/2009) 1.48% 3.30% 9.46% 17.74% 10.47% 8.93% - 4.31% 17.74% 10.47% 8.93% 3.99% 5.59% With Surrender Charges (04/30/2012) (04/15/2009) 1.37% 3.07% 8.80% 16.50% 9.80% 8.55% - 4.31% 16.50% 9.80% 8.55% 3.99% 5.59%

PORTFOLIO STABILIZER - GLOBAL SERIES Variable Portfolio - Managed Volatility Growth Fund (Class 2) No Surrender Charges (04/29/2013) (04/12/2013) 1.97% 3.86% 10.58% 17.45% 8.11% 8.33% - 6.29% 17.45% 8.11% 8.33% - 6.30% With Surrender Charges (04/29/2013) (04/12/2013) 1.84% 3.59% 9.84% 16.23% 7.58% 7.97% - 6.29% 16.23% 7.58% 7.97% - 6.30% Variable Portfolio - Managed Volatility Moderate Growth Fund (Class 2) No Surrender Charges (04/30/2012) (04/19/2012) 1.47% 3.33% 7.66% 13.01% 7.22% 6.90% - 5.46% 13.01% 7.22% 6.90% - 5.50% With Surrender Charges (04/30/2012) (04/19/2012) 1.37% 3.10% 7.12% 12.10% 6.75% 6.59% - 5.46% 12.10% 6.75% 6.59% - 5.50%

RAVA 5 Choice NY This material not valid without all pages. Page 2 of 19 RiverSource® RAVA 5 Choice variable annuity - New York

Average Annual Total Returns Average Annual Total Returns Since Commencement of the Subaccount Since Commencement of fund as of month-ending 08/31/2021 as of month-ending 08/31/2021

Subaccount Subaccount Fund 1 3 1 3 5 10 Since 1 3 5 10 Since Inception Inception month month YTD year. year. year. year. Inception* year. year. year. year. Inception* PORTFOLIO STABILIZER - GLOBAL SERIES (CONT.) Variable Portfolio - Managed Volatility Conservative Growth Fund (Class 2) No Surrender Charges (04/29/2013) (04/12/2013) 0.99% 2.71% 4.89% 8.82% 6.17% 5.31% - 4.03% 8.82% 6.17% 5.31% - 4.04% With Surrender Charges (04/29/2013) (04/12/2013) 0.92% 2.52% 4.55% 8.20% 5.76% 5.07% - 4.03% 8.20% 5.76% 5.07% - 4.04% Variable Portfolio - Managed Volatility Conservative Fund (Class 2) No Surrender Charges (04/29/2013) (04/12/2013) 0.46% 2.12% 2.33% 4.87% 5.30% 3.84% - 2.88% 4.87% 5.30% 3.84% - 2.89% With Surrender Charges (04/29/2013) (04/12/2013) 0.42% 1.97% 2.16% 4.53% 4.95% 3.66% - 2.88% 4.53% 4.95% 3.66% - 2.89%

U.S. SMALL CAP Columbia Variable Portfolio - Select Small Cap Value Fund (Class 2)6 No Surrender Charges (07/19/2010) (09/15/1999) 2.00% -2.24% 24.00% 50.11% 7.44% 9.58% 11.11% 11.10% 50.11% 7.44% 9.58% 11.11% 6.87% With Surrender Charges (07/19/2010) (09/15/1999) 1.86% -2.24% 22.32% 46.60% 6.95% 9.17% 11.11% 11.10% 46.60% 6.95% 9.17% 11.11% 6.87% Variable Portfolio - Partners Small Cap Value Fund (Class 2)7 No Surrender Charges (07/19/2010) (08/14/2001) 1.00% -3.40% 18.77% 49.54% 4.45% 7.68% 8.29% 8.55% 49.54% 4.45% 7.68% 8.29% 7.08% With Surrender Charges (07/19/2010) (08/14/2001) 0.93% -3.40% 17.45% 46.07% 4.15% 7.35% 8.29% 8.55% 46.07% 4.15% 7.35% 8.29% 7.08% Wells Fargo VT Small Cap Growth Fund - Class 2 No Surrender Charges (11/07/2002) (05/01/1995) 4.09% 11.06% 12.96% 40.10% 18.29% 21.77% 16.09% 12.84% 40.10% 18.29% 21.77% 16.09% 8.03% With Surrender Charges (11/07/2002) (05/01/1995) 3.80% 10.28% 12.05% 37.29% 17.19% 21.31% 16.09% 12.84% 37.29% 17.19% 21.31% 16.09% 8.03% Franklin Small Cap Value VIP Fund - Class 28 No Surrender Charges (11/07/2002) (05/01/1998) 2.84% -3.18% 20.90% 45.86% 8.46% 10.06% 11.10% 9.32% 45.86% 8.46% 10.06% 11.10% 7.18% With Surrender Charges (11/07/2002) (05/01/1998) 2.64% -3.18% 19.44% 42.65% 7.91% 9.64% 11.10% 9.32% 42.65% 7.91% 9.64% 11.10% 7.18% Variable Portfolio - Partners Small Cap Growth Fund (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 3.31% 6.74% 11.64% 40.22% 11.48% 15.09% 11.64% 12.50% 40.22% 11.48% 15.09% 11.64% 11.27% With Surrender Charges (07/19/2010) (05/07/2010) 3.08% 6.27% 10.83% 37.40% 10.75% 14.51% 11.64% 12.50% 37.40% 10.75% 14.51% 11.64% 11.27% Invesco V.I. Main Street Small Cap Fund, Series II Shares9 No Surrender Charges (11/15/2004) (05/01/1998) 1.60% 0.61% 17.80% 44.91% 10.05% 13.33% 13.02% 8.58% 44.91% 10.05% 13.33% 13.02% 7.85% With Surrender Charges (11/15/2004) (05/01/1998) 1.49% 0.57% 16.55% 41.76% 9.40% 12.80% 13.02% 8.58% 41.76% 9.40% 12.80% 13.02% 7.85%

U.S. MID CAP Morgan Stanley VIF Discovery Portfolio, Class II Shares10 No Surrender Charges (05/01/2006) (10/18/1999) 0.65% 7.16% 2.10% 31.92% 41.98% 36.75% 19.10% 14.08% 31.92% 41.98% 36.75% 19.10% 10.85% With Surrender Charges (05/01/2006) (10/18/1999) 0.60% 6.66% 1.95% 29.69% 40.81% 36.46% 19.10% 14.08% 29.69% 40.81% 36.46% 19.10% 10.85% Columbia Variable Portfolio - Select Mid Cap Value Fund (Class 2)11 No Surrender Charges (07/19/2010) (05/02/2005) 1.06% -1.39% 18.80% 43.14% 11.06% 10.39% 11.10% 11.30% 43.14% 11.06% 10.39% 11.10% 7.89% With Surrender Charges (07/19/2010) (05/02/2005) 0.99% -1.39% 17.48% 40.12% 10.35% 9.95% 11.10% 11.30% 40.12% 10.35% 9.95% 11.10% 7.89% Columbia Variable Portfolio - Mid Cap Growth Fund (Class 2)12 No Surrender Charges (07/19/2010) (05/01/2001) 2.65% 12.16% 17.62% 36.73% 20.38% 18.86% 13.60% 13.20% 36.73% 20.38% 18.86% 13.60% 7.67% With Surrender Charges (07/19/2010) (05/01/2001) 2.47% 11.31% 16.38% 34.15% 19.17% 18.36% 13.60% 13.20% 34.15% 19.17% 18.36% 13.60% 7.67% CTIVP - Victory Sycamore Established Value Fund (Class 2)13 No Surrender Charges (07/19/2010) (02/04/2004) 2.09% 1.03% 26.52% 48.69% 12.64% 12.56% 13.19% 13.08% 48.69% 12.64% 12.56% 13.19% 8.67% With Surrender Charges (07/19/2010) (02/04/2004) 1.95% 0.96% 24.67% 45.28% 11.85% 12.06% 13.19% 13.08% 45.28% 11.85% 12.06% 13.19% 8.67% Fidelity VIP Mid Cap Portfolio Service Class 2 No Surrender Charges (11/07/2002) (12/28/1998) 3.34% 2.13% 18.29% 41.12% 9.99% 11.83% 10.42% 10.54% 41.12% 9.99% 11.83% 10.42% 11.20% With Surrender Charges (11/07/2002) (12/28/1998) 3.10% 1.98% 17.01% 38.24% 9.35% 11.35% 10.42% 10.54% 38.24% 9.35% 11.35% 10.42% 11.20% CTIVP - Westfield Mid Cap Growth Fund (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 3.28% 8.32% 14.11% 34.38% 18.98% 18.47% 13.58% 13.82% 34.38% 18.98% 18.47% 13.58% 13.00% With Surrender Charges (07/19/2010) (05/07/2010) 3.05% 7.74% 13.12% 31.97% 17.84% 17.96% 13.58% 13.82% 31.97% 17.84% 17.96% 13.58% 13.00%

RAVA 5 Choice NY This material not valid without all pages. Page 3 of 19 RiverSource® RAVA 5 Choice variable annuity - New York

Average Annual Total Returns Average Annual Total Returns Since Commencement of the Subaccount Since Commencement of fund as of month-ending 08/31/2021 as of month-ending 08/31/2021

Subaccount Subaccount Fund 1 3 1 3 5 10 Since 1 3 5 10 Since Inception Inception month month YTD year. year. year. year. Inception* year. year. year. year. Inception*

U.S. LARGE CAP Wells Fargo VT Opportunity Fund - Class 2 No Surrender Charges (11/07/2002) (05/08/1992) 2.28% 8.28% 20.34% 35.02% 16.84% 16.12% 13.24% 10.58% 35.02% 16.84% 16.12% 13.24% 10.59% With Surrender Charges (11/07/2002) (05/08/1992) 2.12% 7.70% 18.92% 32.57% 15.82% 15.56% 13.24% 10.58% 32.57% 15.82% 15.56% 13.24% 10.59% American Century VP Value, Class II14 No Surrender Charges (11/07/2002) (05/01/1996) 1.10% -0.39% 19.05% 38.04% 8.39% 8.79% 10.73% 7.79% 38.04% 8.39% 8.79% 10.73% 7.61% With Surrender Charges (11/07/2002) (05/01/1996) 1.02% -0.39% 17.71% 35.38% 7.84% 8.42% 10.73% 7.79% 35.38% 7.84% 8.42% 10.73% 7.61% Columbia Variable Portfolio - Large Cap Index Fund (Class 3) No Surrender Charges (11/07/2002) (05/01/2000) 2.89% 7.50% 20.25% 29.00% 16.09% 16.05% 14.40% 9.30% 29.00% 16.09% 16.05% 14.40% 5.62% With Surrender Charges (11/07/2002) (05/01/2000) 2.69% 6.97% 18.83% 26.97% 15.11% 15.49% 14.40% 9.30% 26.97% 15.11% 15.49% 14.40% 5.62% Columbia Variable Portfolio - Select Large Cap Value Fund (Class 2)15 No Surrender Charges (07/19/2010) (02/04/2004) 0.55% -3.72% 19.04% 35.54% 10.02% 12.09% 12.51% 12.31% 35.54% 10.02% 12.09% 12.51% 7.37% With Surrender Charges (07/19/2010) (02/04/2004) 0.52% -3.72% 17.71% 33.05% 9.38% 11.60% 12.51% 12.31% 33.05% 9.38% 11.60% 12.51% 7.37% Variable Portfolio - Partners Core Equity Fund (Class 2)16 No Surrender Charges (07/19/2010) (05/01/2006) 2.49% 6.94% 22.19% 34.21% 14.17% 13.99% 12.03% 11.67% 34.21% 14.17% 13.99% 12.03% 6.99%

With Surrender Charges (07/19/2010) (05/01/2006) 2.31% 6.45% 20.63% 31.81% 13.29% 13.44% 12.03% 11.67% 31.81% 13.29% 13.44% 12.03% 6.99% CTIVP - T. Rowe Price Large Cap Value Fund (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 2.72% 0.17% 19.38% 38.64% 9.45% 10.16% 9.54% 9.97% 38.64% 9.45% 10.16% 9.54% 9.29% With Surrender Charges (07/19/2010) (05/07/2010) 2.53% 0.16% 18.02% 35.93% 8.84% 9.74% 9.54% 9.97% 35.93% 8.84% 9.74% 9.54% 9.29% Columbia Variable Portfolio - Contrarian Core Fund (Class 2) No Surrender Charges (04/29/2013) (04/30/2012) 2.24% 5.79% 19.76% 30.41% 17.34% 15.59% - 13.81% 30.41% 17.34% 15.59% - 14.16% With Surrender Charges (04/29/2013) (04/30/2012) 2.08% 5.38% 18.38% 28.28% 16.29% 15.02% - 13.81% 28.28% 16.29% 15.02% - 14.16% Fidelity VIP Contrafund Portfolio Service Class 2 No Surrender Charges (05/01/2006) (01/03/1995) 4.50% 11.97% 21.52% 24.66% 19.38% 17.99% 14.51% 9.22% 24.66% 19.38% 17.99% 14.51% 10.87% With Surrender Charges (05/01/2006) (01/03/1995) 4.18% 11.13% 20.01% 22.94% 18.22% 17.47% 14.51% 9.22% 22.94% 18.22% 17.47% 14.51% 10.87% Janus Henderson Research Portfolio: Service Shares17 No Surrender Charges (05/01/2007) (09/13/1993) 2.38% 9.49% 15.92% 21.50% 19.49% 19.06% 15.26% 9.60% 21.50% 19.49% 19.06% 15.26% 8.54% With Surrender Charges (05/01/2007) (09/13/1993) 2.22% 8.82% 14.81% 20.00% 18.33% 18.56% 15.26% 9.60% 20.00% 18.33% 18.56% 15.26% 8.54% Columbia Variable Portfolio - Large Cap Growth Fund (Class 2)18 No Surrender Charges (07/19/2010) (09/15/1999) 3.60% 13.68% 24.40% 31.73% 22.31% 21.28% 17.10% 16.74% 31.73% 22.31% 21.28% 17.10% 4.90% With Surrender Charges (07/19/2010) (09/15/1999) 3.35% 12.72% 22.70% 29.51% 21.00% 20.82% 17.10% 16.74% 29.51% 21.00% 20.82% 17.10% 4.90% CTIVP - MFS Value Fund (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 2.40% 3.13% 19.27% 31.16% 11.12% 10.38% 11.67% 11.42% 31.16% 11.12% 10.38% 11.67% 10.42% With Surrender Charges (07/19/2010) (05/07/2010) 2.24% 2.91% 17.92% 28.98% 10.41% 9.95% 11.67% 11.42% 28.98% 10.41% 9.95% 11.67% 10.42% Columbia Variable Portfolio - Dividend Opportunity Fund (Class 2)19 No Surrender Charges (07/19/2010) (09/15/1999) 1.56% 1.34% 17.61% 28.26% 8.92% 8.88% 9.42% 9.60% 28.26% 8.92% 8.88% 9.42% 6.16% With Surrender Charges (07/19/2010) (09/15/1999) 1.45% 1.24% 16.38% 26.28% 8.34% 8.50% 9.42% 9.60% 26.28% 8.34% 8.50% 9.42% 6.16% CTIVP - Morgan Stanley Advantage Fund (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 1.31% 9.64% 8.60% 21.76% 26.51% 24.84% 17.60% 17.49% 21.76% 26.51% 24.84% 17.60% 16.79% With Surrender Charges (07/19/2010) (05/07/2010) 1.22% 8.96% 8.00% 20.23% 25.03% 24.43% 17.60% 17.49% 20.23% 25.03% 24.43% 17.60% 16.79% Franklin Mutual Shares VIP Fund - Class 220 No Surrender Charges (11/07/2002) (11/08/1996) 1.91% -0.94% 17.38% 33.50% 5.03% 6.26% 7.89% 6.18% 33.50% 5.03% 6.26% 7.89% 6.01% With Surrender Charges (11/07/2002) (11/08/1996) 1.78% -0.94% 16.17% 31.15% 4.69% 5.98% 7.89% 6.18% 31.15% 4.69% 5.98% 7.89% 6.01% Columbia Variable Portfolio - Large Cap Index Fund (Class 2) No Surrender Charges (05/03/2021) (05/01/2000) 2.87% 7.45% - - - - - 7.77% 28.85% 15.96% 15.92% 14.27% 5.56% With Surrender Charges (05/03/2021) (05/01/2000) 2.67% 6.93% - - - - - 7.23% 26.83% 14.98% 15.36% 14.27% 5.56%

RAVA 5 Choice NY This material not valid without all pages. Page 4 of 19 RiverSource® RAVA 5 Choice variable annuity - New York

Average Annual Total Returns Average Annual Total Returns Since Commencement of the Subaccount Since Commencement of fund as of month-ending 08/31/2021 as of month-ending 08/31/2021

Subaccount Subaccount Fund 1 3 1 3 5 10 Since 1 3 5 10 Since Inception Inception month month YTD year. year. year. year. Inception* year. year. year. year. Inception* U.S. LARGE CAP (CONT.) Neuberger Berman AMT Sustainable Equity Portfolio (Class S)21 No Surrender Charges (07/19/2010) (02/18/1999) 0.92% 4.21% 16.71% 32.49% 13.31% 13.63% 12.23% 12.12% 32.49% 13.31% 13.63% 12.23% 7.13% With Surrender Charges (07/19/2010) (02/18/1999) 0.85% 3.92% 15.54% 30.22% 12.48% 13.09% 12.23% 12.12% 30.22% 12.48% 13.09% 12.23% 7.13% CTIVP - Loomis Sayles Growth Fund (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 2.41% 8.38% 17.83% 21.80% 20.29% 19.13% 16.46% 16.31% 21.80% 20.29% 19.13% 16.46% 15.24% With Surrender Charges (07/19/2010) (05/07/2010) 2.24% 7.79% 16.58% 20.27% 19.08% 18.63% 16.46% 16.31% 20.27% 19.08% 18.63% 16.46% 15.24% Columbia Variable Portfolio - Disciplined Core Fund (Class 2)22 No Surrender Charges (07/19/2010) (10/13/1981) 3.96% 9.01% 24.87% 31.48% 14.30% 15.71% 13.98% 14.43% 31.48% 14.30% 15.71% 13.98% 8.87% With Surrender Charges (07/19/2010) (10/13/1981) 3.69% 8.38% 23.12% 29.27% 13.42% 15.15% 13.98% 14.43% 29.27% 13.42% 15.15% 13.98% 8.87% AB VPS Large Cap Growth Portfolio (Class B)23 No Surrender Charges (07/19/2010) (06/26/1992) 2.72% 12.90% 22.53% 31.19% 24.07% 23.00% 18.67% 18.02% 31.19% 24.07% 23.00% 18.67% 10.44% With Surrender Charges (07/19/2010) (06/26/1992) 2.53% 12.00% 20.96% 29.01% 22.68% 22.56% 18.67% 18.02% 29.01% 22.68% 22.56% 18.67% 10.44%

GLOBAL FIXED INCOME Columbia Variable Portfolio - Global Strategic Income Fund (Class 2)24 No Surrender Charges (07/19/2010) (05/01/1996) 0.12% 0.94% 0.98% 4.81% 3.80% 0.41% -0.71% 0.15% 4.81% 3.80% 0.41% -0.71% 2.40% With Surrender Charges (07/19/2010) (05/01/1996) 0.11% 0.88% 0.91% 4.47% 3.55% 0.39% -0.71% 0.15% 4.47% 3.55% 0.39% -0.71% 2.40% Columbia Variable Portfolio - Emerging Markets Bond Fund (Class 2) No Surrender Charges (04/29/2013) (04/30/2012) 0.71% 1.76% -0.64% 4.13% 4.76% 2.45% - 1.47% 4.13% 4.76% 2.45% - 2.54% With Surrender Charges (04/29/2013) (04/30/2012) 0.66% 1.63% -0.64% 3.84% 4.44% 2.33% - 1.47% 3.84% 4.44% 2.33% - 2.54% Templeton Global Bond VIP Fund - Class 225 No Surrender Charges (04/29/2013) (01/24/1989) 0.49% -1.22% -3.66% -3.23% -2.32% -0.81% - -1.74% -3.23% -2.32% -0.81% -0.58% 4.82% With Surrender Charges (04/29/2013) (01/24/1989) 0.45% -1.22% -3.66% -3.23% -2.32% -0.81% - -1.74% -3.23% -2.32% -0.81% -0.58% 4.82% CTIVP - BlackRock Global Inflation-Protected Securities Fund (Class 2)26 No Surrender Charges (07/19/2010) (09/13/2004) 0.06% 3.56% 2.50% 4.18% 4.95% 2.43% 2.53% 2.97% 4.18% 4.95% 2.43% 2.53% 2.88% With Surrender Charges (07/19/2010) (09/13/2004) 0.05% 3.31% 2.32% 3.89% 4.61% 2.31% 2.53% 2.97% 3.89% 4.61% 2.31% 2.53% 2.88%

MULTISECTOR BOND Columbia Variable Portfolio - Strategic Income Fund (Class 2)27 No Surrender Charges (04/29/2011) (07/05/1994) -0.11% 0.40% 1.48% 5.65% 4.64% 3.48% 3.47% 3.33% 5.65% 4.64% 3.48% 3.47% 4.99% With Surrender Charges (04/29/2011) (07/05/1994) -0.11% 0.37% 1.37% 5.25% 4.33% 3.32% 3.47% 3.33% 5.25% 4.33% 3.32% 3.47% 4.99% Fidelity VIP Strategic Income Portfolio Service Class 2 No Surrender Charges (04/29/2013) (12/23/2003) 0.39% 1.86% 2.75% 6.72% 4.87% 3.58% - 2.63% 6.72% 4.87% 3.58% 3.18% 4.22% With Surrender Charges (04/29/2013) (12/23/2003) 0.36% 1.73% 2.55% 6.25% 4.55% 3.41% - 2.63% 6.25% 4.55% 3.41% 3.18% 4.22% Invesco V.I. Global Strategic Income Fund, Series II Shares28 No Surrender Charges (11/15/2004) (05/03/1993) 0.30% -2.35% -3.83% 1.18% 1.64% 0.87% 1.45% 2.68% 1.18% 1.64% 0.87% 1.45% 3.81% With Surrender Charges (11/15/2004) (05/03/1993) 0.28% -2.35% -3.83% 1.10% 1.52% 0.83% 1.45% 2.68% 1.10% 1.52% 0.83% 1.45% 3.81%

HIGH YIELD Columbia Variable Portfolio - High Yield Bond Fund (Class 2)29 No Surrender Charges (07/19/2010) (05/01/1996) 0.48% 2.02% 3.28% 7.76% 5.84% 4.53% 5.34% 5.56% 7.76% 5.84% 4.53% 5.34% 4.80% With Surrender Charges (07/19/2010) (05/01/1996) 0.45% 1.88% 3.05% 7.22% 5.45% 4.33% 5.34% 5.56% 7.22% 5.45% 4.33% 5.34% 4.80% Columbia Variable Portfolio - Income Opportunities Fund (Class 2)30 No Surrender Charges (07/19/2010) (06/01/2004) 0.44% 1.88% 2.54% 6.70% 5.33% 4.13% 4.94% 5.20% 6.70% 5.33% 4.13% 4.94% 5.44% With Surrender Charges (07/19/2010) (06/01/2004) 0.41% 1.75% 2.36% 6.23% 4.97% 3.94% 4.94% 5.20% 6.23% 4.97% 3.94% 4.94% 5.44%

RAVA 5 Choice NY This material not valid without all pages. Page 5 of 19 RiverSource® RAVA 5 Choice variable annuity - New York

Average Annual Total Returns Average Annual Total Returns Since Commencement of the Subaccount Since Commencement of fund as of month-ending 08/31/2021 as of month-ending 08/31/2021

Subaccount Subaccount Fund 1 3 1 3 5 10 Since 1 3 5 10 Since Inception Inception month month YTD year. year. year. year. Inception* year. year. year. year. Inception* HIGH YIELD (CONT.) Western Asset Variable Global High Yield Bond Portfolio - Share Class II No Surrender Charges (04/29/2013) (02/26/2004) 0.78% 1.59% 2.50% 7.01% 6.08% 4.64% - 2.96% 7.01% 6.08% 4.64% 4.49% 4.59% With Surrender Charges (04/29/2013) (02/26/2004) 0.72% 1.47% 2.33% 6.52% 5.68% 4.43% - 2.96% 6.52% 5.68% 4.43% 4.49% 4.59%

LONG/INTERMEDIATE-TERM BOND Janus Henderson Flexible Bond Portfolio: Service Shares No Surrender Charges (04/29/2013) (12/31/1999) -0.19% 1.60% -1.10% 0.28% 4.93% 2.25% - 1.78% 0.28% 4.93% 2.25% 2.35% 3.92% With Surrender Charges (04/29/2013) (12/31/1999) -0.19% 1.49% -1.10% 0.26% 4.60% 2.14% - 1.78% 0.26% 4.60% 2.14% 2.35% 3.92% CTIVP - TCW Core Plus Bond Fund (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) -0.30% 1.12% -1.34% -0.55% 4.43% 2.00% 1.34% 1.53% -0.55% 4.43% 2.00% 1.34% 1.74% With Surrender Charges (07/19/2010) (05/07/2010) -0.30% 1.04% -1.34% -0.55% 4.13% 1.90% 1.34% 1.53% -0.55% 4.13% 1.90% 1.34% 1.74% PIMCO VIT Total Return Portfolio, Advisor Class No Surrender Charges (04/29/2013) (02/28/2006) -0.26% 1.27% -1.29% -0.61% 4.21% 2.22% - 1.48% -0.61% 4.21% 2.22% 2.10% 3.55% With Surrender Charges (04/29/2013) (02/28/2006) -0.26% 1.19% -1.29% -0.61% 3.92% 2.12% - 1.48% -0.61% 3.92% 2.12% 2.10% 3.55% Columbia Variable Portfolio - Intermediate Bond Fund (Class 2)31 No Surrender Charges (07/19/2010) (10/13/1981) -0.21% 0.80% 0.00% 2.71% 6.06% 3.22% 2.84% 3.02% 2.71% 6.06% 3.22% 2.84% 6.03% With Surrender Charges (07/19/2010) (10/13/1981) -0.21% 0.74% 0.00% 2.52% 5.66% 3.07% 2.84% 3.02% 2.52% 5.66% 3.07% 2.84% 6.03% Variable Portfolio - Partners Core Bond Fund (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) -0.20% 1.32% -1.28% -0.77% 4.15% 1.79% 1.64% 1.91% -0.77% 4.15% 1.79% 1.64% 2.09% With Surrender Charges (07/19/2010) (05/07/2010) -0.20% 1.23% -1.28% -0.77% 3.87% 1.70% 1.64% 1.91% -0.77% 3.87% 1.70% 1.64% 2.09% Columbia Variable Portfolio - Long Government/Credit Bond Fund (Class 2) No Surrender Charges (04/30/2013) (04/30/2013) -0.47% 5.82% -3.61% -2.52% 8.95% 4.03% - 3.46% -2.52% 8.95% 4.03% - 3.46% With Surrender Charges (04/30/2013) (04/30/2013) -0.47% 5.41% -3.61% -2.52% 8.37% 3.84% - 3.46% -2.52% 8.37% 3.84% - 3.46% CTIVP - American Century Diversified Bond Fund (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) -0.11% 1.54% -0.04% 1.72% 4.67% 2.35% 2.09% 2.28% 1.72% 4.67% 2.35% 2.09% 2.42% With Surrender Charges (07/19/2010) (05/07/2010) -0.11% 1.43% -0.04% 1.60% 4.36% 2.24% 2.09% 2.28% 1.60% 4.36% 2.24% 2.09% 2.42%

GLOBAL EQUITY Invesco V.I. Global Fund, Series II Shares32 No Surrender Charges (11/15/2004) (11/12/1990) 2.58% 8.34% 16.97% 33.39% 16.13% 17.21% 12.36% 8.76% 33.39% 16.13% 17.21% 12.36% 9.48% With Surrender Charges (11/15/2004) (11/12/1990) 2.40% 7.75% 15.78% 31.05% 15.14% 16.67% 12.36% 8.76% 31.05% 15.14% 16.67% 12.36% 9.48%

INTERNATIONAL EQUITY Variable Portfolio - Partners International Growth Fund (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 3.50% 5.85% 12.41% 25.73% 12.12% 10.00% 6.88% 7.23% 25.73% 12.12% 10.00% 6.88% 7.09% With Surrender Charges (07/19/2010) (05/07/2010) 3.25% 5.44% 11.54% 23.93% 11.36% 9.58% 6.88% 7.23% 23.93% 11.36% 9.58% 6.88% 7.09% Columbia Variable Portfolio - Overseas Core Fund (Class 2)33 No Surrender Charges (07/19/2010) (01/13/1992) 2.96% 0.32% 11.79% 26.01% 8.93% 8.55% 5.48% 5.97% 26.01% 8.93% 8.55% 5.48% 3.90% With Surrender Charges (07/19/2010) (01/13/1992) 2.75% 0.30% 10.96% 24.19% 8.35% 8.18% 5.48% 5.97% 24.19% 8.35% 8.18% 5.48% 3.90% Columbia Variable Portfolio - Emerging Markets Fund (Class 2)34 No Surrender Charges (07/19/2010) (05/01/2000) 2.99% -2.55% 1.68% 21.92% 15.16% 12.67% 5.90% 5.93% 21.92% 15.16% 12.67% 5.90% 6.58% With Surrender Charges (07/19/2010) (05/01/2000) 2.78% -2.55% 1.57% 20.38% 14.22% 12.16% 5.90% 5.93% 20.38% 14.22% 12.16% 5.90% 6.58% Variable Portfolio - Partners International Value Fund (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 0.77% -1.68% 12.34% 28.95% 1.33% 4.80% 2.76% 2.74% 28.95% 1.33% 4.80% 2.76% 2.26% With Surrender Charges (07/19/2010) (05/07/2010) 0.72% -1.68% 11.47% 26.93% 1.24% 4.58% 2.76% 2.74% 26.93% 1.24% 4.58% 2.76% 2.26%

RAVA 5 Choice NY This material not valid without all pages. Page 6 of 19 RiverSource® RAVA 5 Choice variable annuity - New York

Average Annual Total Returns Average Annual Total Returns Since Commencement of the Subaccount Since Commencement of fund as of month-ending 08/31/2021 as of month-ending 08/31/2021

Subaccount Subaccount Fund 1 3 1 3 5 10 Since 1 3 5 10 Since Inception Inception month month YTD year. year. year. year. Inception* year. year. year. year. Inception* INTERNATIONAL EQUITY (CONT.) Variable Portfolio - Partners International Core Equity Fund (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 2.48% 1.71% 12.18% 27.29% 7.65% 6.91% 4.92% 5.19% 27.29% 7.65% 6.91% 4.92% 4.94% With Surrender Charges (07/19/2010) (05/07/2010) 2.30% 1.59% 11.32% 25.38% 7.15% 6.61% 4.92% 5.19% 25.38% 7.15% 6.61% 4.92% 4.94%

SECTOR FUNDS ALPS/Alerian Energy Infrastructure Portfolio: Class III No Surrender Charges (04/30/2013) (04/30/2013) -1.70% -1.91% 32.11% 40.10% -1.91% -0.34% - -1.15% 40.10% -1.91% -0.34% - -1.15% With Surrender Charges (04/30/2013) (04/30/2013) -1.70% -1.91% 29.86% 37.29% -1.91% -0.34% - -1.15% 37.29% -1.91% -0.34% - -1.15% MFS Utilities Series - Service Class35 No Surrender Charges (11/07/2002) (01/03/1995) 4.09% 4.52% 8.47% 21.23% 10.16% 9.06% 8.01% 10.75% 21.23% 10.16% 9.06% 8.01% 9.78% With Surrender Charges (11/07/2002) (01/03/1995) 3.80% 4.20% 7.88% 19.74% 9.51% 8.67% 8.01% 10.75% 19.74% 9.51% 8.67% 8.01% 9.78% VanEck VIP Global Gold Fund (Class S Shares) No Surrender Charges (04/29/2013) (04/29/2013) -5.47% -16.32% -15.34% -24.04% 18.57% 3.54% - 1.45% -24.04% 18.57% 3.54% - 1.45% With Surrender Charges (04/29/2013) (04/29/2013) -5.47% -16.32% -15.34% -24.04% 17.45% 3.37% - 1.45% -24.04% 17.45% 3.37% - 1.45% CTIVP - CenterSquare Real Estate Fund (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 1.43% 9.46% 28.67% 38.12% 10.52% 6.51% 7.12% 7.80% 38.12% 10.52% 6.51% 7.12% 7.39% With Surrender Charges (07/19/2010) (05/07/2010) 1.33% 8.80% 26.66% 35.45% 9.85% 6.22% 7.12% 7.80% 35.45% 9.85% 6.22% 7.12% 7.39%

SHORT-TERM BOND Columbia Variable Portfolio - Limited Duration Credit Fund (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) -0.21% -0.27% -0.69% 0.08% 3.06% 1.64% 1.18% 1.26% 0.08% 3.06% 1.64% 1.18% 1.29% With Surrender Charges (07/19/2010) (05/07/2010) -0.21% -0.27% -0.69% 0.08% 2.85% 1.56% 1.18% 1.26% 0.08% 2.85% 1.56% 1.18% 1.29% Columbia Variable Portfolio - U.S. Government Mortgage Fund (Class 2)36 No Surrender Charges (07/19/2010) (09/15/1999) -0.40% -0.74% -0.44% 0.16% 3.04% 1.77% 1.15% 1.08% 0.16% 3.04% 1.77% 1.15% 1.68% With Surrender Charges (07/19/2010) (09/15/1999) -0.40% -0.74% -0.44% 0.15% 2.83% 1.68% 1.15% 1.08% 0.15% 2.83% 1.68% 1.15% 1.68% CTIVP - Wells Fargo Short Duration Government Fund (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) -0.21% -0.74% -1.65% -1.88% 0.92% 0.04% -0.28% -0.14% -1.88% 0.92% 0.04% -0.28% -0.10% With Surrender Charges (07/19/2010) (05/07/2010) -0.21% -0.74% -1.65% -1.88% 0.85% 0.04% -0.28% -0.14% -1.88% 0.85% 0.04% -0.28% -0.10%

COMMODITIES Columbia Variable Portfolio - Commodity Strategy Fund (Class 2) No Surrender Charges (04/30/2013) (04/30/2013) -0.11% 4.48% 25.80% 33.04% 5.50% 3.03% - -4.73% 33.04% 5.50% 3.03% - -4.73% With Surrender Charges (04/30/2013) (04/30/2013) -0.11% 4.16% 23.99% 30.73% 5.13% 2.88% - -4.73% 30.73% 5.13% 2.88% - -4.73%

PORTFOLIO STABILIZER - DOMESTIC SERIES Variable Portfolio - U.S. Flexible Growth Fund (Class 2) No Surrender Charges (11/14/2016) (11/02/2016) 2.14% 5.51% 12.25% 17.64% 7.48% - - 9.75% 17.64% 7.48% - - 9.94% With Surrender Charges (11/14/2016) (11/02/2016) 1.99% 5.12% 11.39% 16.40% 6.99% - - 9.33% 16.40% 6.99% - - 9.52% Variable Portfolio - U.S. Flexible Moderate Growth Fund (Class 2) No Surrender Charges (11/14/2016) (11/02/2016) 1.65% 4.65% 9.05% 13.32% 6.73% - - 8.11% 13.32% 6.73% - - 8.16% With Surrender Charges (11/14/2016) (11/02/2016) 1.54% 4.33% 8.42% 12.39% 6.29% - - 7.76% 12.39% 6.29% - - 7.80% Variable Portfolio - U.S. Flexible Conservative Growth Fund (Class 2) No Surrender Charges (11/14/2016) (11/02/2016) 1.09% 3.59% 5.91% 9.06% 5.82% - - 6.34% 9.06% 5.82% - - 6.25% With Surrender Charges (11/14/2016) (11/02/2016) 1.02% 3.34% 5.50% 8.42% 5.44% - - 6.06% 8.42% 5.44% - - 5.97%

PORTFOLIO STABILIZER - MANAGED RISK SERIES Variable Portfolio - Managed Risk Fund (Class 2) No Surrender Charges (09/18/2017) (09/12/2017) 1.54% 3.57% 8.98% 14.86% 6.89% - - 6.52% 14.86% 6.89% - - 6.54% With Surrender Charges (09/18/2017) (09/12/2017) 1.43% 3.32% 8.35% 13.82% 6.44% - - 6.16% 13.82% 6.44% - - 6.18%

RAVA 5 Choice NY This material not valid without all pages. Page 7 of 19 RiverSource® RAVA 5 Choice variable annuity - New York

Average Annual Total Returns Average Annual Total Returns Since Commencement of the Subaccount Since Commencement of fund as of month-ending 08/31/2021 as of month-ending 08/31/2021

RAVA 5 Choice NY This material not valid without all pages. Page 8 of 19 RiverSource® RAVA 5 Choice variable annuity - New York

Average Annual Total Returns Average Annual Total Returns Since Commencement of the Subaccount Since Commencement of fund as of quarter-ending 06/30/2021 as of quarter-ending 06/30/2021

Subaccount Subaccount Fund 1 3 1 3 5 10 Since 1 3 5 10 Since Inception Inception month month YTD year. year. year. year. Inception* year. year. year. year. Inception*

PORTFOLIO NAVIGATOR Variable Portfolio - Aggressive Portfolio (Class 2) No Surrender Charges (05/07/2010) (05/07/2010) 0.78% 5.87% 10.71% 31.02% 11.02% 10.79% 7.68% 8.47% 31.02% 11.02% 10.79% 7.68% 8.47% With Surrender Charges (05/07/2010) (05/07/2010) 0.72% 5.46% 9.96% 28.85% 10.31% 10.34% 7.68% 8.47% 28.85% 10.31% 10.34% 7.68% 8.47% Variable Portfolio - Moderately Aggressive Portfolio (Class 2) No Surrender Charges (05/07/2010) (05/07/2010) 0.73% 5.07% 8.23% 24.67% 9.73% 9.09% 6.58% 7.27% 24.67% 9.73% 9.09% 6.58% 7.27% With Surrender Charges (05/07/2010) (05/07/2010) 0.67% 4.72% 7.66% 22.95% 9.10% 8.70% 6.58% 7.27% 22.95% 9.10% 8.70% 6.58% 7.27% Variable Portfolio - Moderate Portfolio (Class 2) No Surrender Charges (05/07/2010) (05/07/2010) 0.70% 4.23% 5.74% 18.59% 8.41% 7.40% 5.48% 6.08% 18.59% 8.41% 7.40% 5.48% 6.08% With Surrender Charges (05/07/2010) (05/07/2010) 0.65% 3.93% 5.34% 17.28% 7.87% 7.07% 5.48% 6.08% 17.28% 7.87% 7.07% 5.48% 6.08% Variable Portfolio - Moderately Conservative Portfolio (Class 2) No Surrender Charges (05/07/2010) (05/07/2010) 0.67% 3.39% 3.35% 12.63% 6.81% 5.50% 4.23% 4.70% 12.63% 6.81% 5.50% 4.23% 4.70% With Surrender Charges (05/07/2010) (05/07/2010) 0.62% 3.16% 3.11% 11.75% 6.36% 5.25% 4.23% 4.70% 11.75% 6.36% 5.25% 4.23% 4.70% Variable Portfolio - Conservative Portfolio (Class 2) No Surrender Charges (05/07/2010) (05/07/2010) 0.61% 2.52% 1.13% 7.31% 5.21% 3.70% 3.02% 3.40% 7.31% 5.21% 3.70% 3.02% 3.40% With Surrender Charges (05/07/2010) (05/07/2010) 0.57% 2.34% 1.05% 6.80% 4.87% 3.52% 3.02% 3.40% 6.80% 4.87% 3.52% 3.02% 3.40%

CASH EQUIVALENTS Columbia Variable Portfolio - Government Money Market Fund (Class 2)1 No Surrender Charges (07/19/2010) (10/13/1981) -0.11% -0.31% -0.63% -1.27% -0.40% -0.63% -0.96% -0.99% -1.27% -0.40% -0.63% -0.96% 2.44% With Surrender Charges (07/19/2010) (10/13/1981) -0.11% -0.31% -0.63% -1.27% -0.40% -0.63% -0.96% -0.99% -1.27% -0.40% -0.63% -0.96% 2.44% Columbia Variable Portfolio - Government Money Market Fund (Class 2) seven-day simple yield was 0.01% and its seven-day compound yield was 0.01% as of the quarter ending 06/30/2021. The yield more closely reflects the current earnings than the total return quotation. ALTERNATIVES Neuberger Berman AMT U.S. Equity Index PutWrite Strategy Portfolio (Class S) No Surrender Charges (06/30/2014) (05/01/2014) 1.47% 4.97% 10.83% 25.95% 8.14% 5.58% - 2.37% 25.95% 8.14% 5.58% - 2.45% With Surrender Charges (06/30/2014) (05/01/2014) 1.37% 4.63% 10.08% 24.14% 7.61% 5.33% - 2.37% 24.14% 7.61% 5.33% - 2.45% DWS Alternative Asset Allocation VIP, Class B2 No Surrender Charges (04/30/2012) (02/02/2009) 1.13% 5.72% 8.31% 22.38% 6.03% 3.37% - 2.02% 22.38% 6.03% 3.37% 1.69% 4.20% With Surrender Charges (04/30/2012) (02/02/2009) 1.05% 5.32% 7.73% 20.82% 5.63% 3.21% - 2.02% 20.82% 5.63% 3.21% 1.69% 4.20% Goldman Sachs VIT Multi-Strategy Alternatives Portfolio - Advisor Shares No Surrender Charges (06/30/2014) (04/25/2014) 0.29% 3.02% 4.11% 11.99% 4.08% 2.52% - 0.04% 11.99% 4.08% 2.52% - 0.27% With Surrender Charges (06/30/2014) (04/25/2014) 0.27% 2.81% 3.82% 11.15% 3.80% 2.40% - 0.04% 11.15% 3.80% 2.40% - 0.27%

ASSET ALLOCATION AB VPS Dynamic Asset Allocation Portfolio (Class B) No Surrender Charges (04/29/2013) (04/01/2011) 0.37% 4.10% 5.05% 17.08% 5.03% 5.19% - 3.89% 17.08% 5.03% 5.19% 4.01% 3.94% With Surrender Charges (04/29/2013) (04/01/2011) 0.34% 3.82% 4.70% 15.89% 4.69% 4.96% - 3.89% 15.89% 4.69% 4.96% 4.01% 3.94% BlackRock Global Allocation V.I. Fund (Class III)3 No Surrender Charges (04/30/2012) (02/28/1992) -0.12% 4.50% 5.83% 26.50% 11.02% 9.14% - 6.29% 26.50% 11.02% 9.14% 5.57% 5.97% With Surrender Charges (04/30/2012) (02/28/1992) -0.12% 4.18% 5.42% 24.65% 10.32% 8.75% - 6.29% 24.65% 10.32% 8.75% 5.57% 5.97% Janus Henderson Balanced Portfolio: Service Shares No Surrender Charges (04/27/2018) (12/31/1999) 2.25% 6.40% 7.76% 22.43% 12.38% - - 12.36% 22.43% 12.38% 12.07% 8.86% 5.92% With Surrender Charges (04/27/2018) (12/31/1999) 2.09% 5.95% 7.22% 20.86% 11.60% - - 11.70% 20.86% 11.60% 11.58% 8.86% 5.92% Columbia Variable Portfolio - Balanced Fund (Class 2) No Surrender Charges (05/03/2021) (04/30/1986) 1.26% ------1.82% 26.30% 13.18% 10.53% 9.18% 7.19% With Surrender Charges (05/03/2021) (04/30/1986) 1.17% ------1.70% 24.45% 12.36% 10.10% 9.18% 7.19%

RAVA 5 Choice NY This material not valid without all pages. Page 9 of 19 RiverSource® RAVA 5 Choice variable annuity - New York

Average Annual Total Returns Average Annual Total Returns Since Commencement of the Subaccount Since Commencement of fund as of quarter-ending 06/30/2021 as of quarter-ending 06/30/2021

Subaccount Subaccount Fund 1 3 1 3 5 10 Since 1 3 5 10 Since Inception Inception month month YTD year. year. year. year. Inception* year. year. year. year. Inception* ASSET ALLOCATION (CONT.) Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares No Surrender Charges (04/29/2013) (01/23/2009) 0.80% 6.02% 6.61% 21.61% 6.92% 5.70% - 4.07% 21.61% 6.92% 5.70% 5.27% 7.02% With Surrender Charges (04/29/2013) (01/23/2009) 0.74% 5.60% 6.14% 20.10% 6.46% 5.44% - 4.07% 20.10% 6.46% 5.44% 5.27% 7.02% Columbia Variable Portfolio - Balanced Fund (Class 3) No Surrender Charges (11/07/2002) (04/30/1986) 1.25% 5.59% 9.18% 26.35% 13.28% 10.62% 9.27% 7.07% 26.35% 13.28% 10.62% 9.27% 7.22% With Surrender Charges (11/07/2002) (04/30/1986) 1.16% 5.20% 8.54% 24.51% 12.45% 10.18% 9.27% 7.07% 24.51% 12.45% 10.18% 9.27% 7.22% Franklin Income VIP Fund - Class 24 No Surrender Charges (04/29/2013) (01/24/1989) 0.06% 3.53% 10.13% 24.31% 5.78% 6.60% - 4.57% 24.31% 5.78% 6.60% 5.17% 7.02% With Surrender Charges (04/29/2013) (01/24/1989) 0.06% 3.28% 9.42% 22.61% 5.39% 6.30% - 4.57% 22.61% 5.39% 6.30% 5.17% 7.02% Lazard Retirement Global Dynamic Multi-Asset Portfolio - Service Shares No Surrender Charges (04/29/2013) (04/30/2012) 0.44% 4.80% 5.31% 17.64% 4.40% 6.02% - 5.06% 17.64% 4.40% 6.02% - 5.85% With Surrender Charges (04/29/2013) (04/30/2012) 0.41% 4.46% 4.94% 16.41% 4.11% 5.75% - 5.06% 16.41% 4.11% 5.75% - 5.85% Delaware Ivy VIP Asset Strategy, Class II No Surrender Charges (04/29/2013) (05/01/1995) 0.02% 5.48% 5.83% 25.86% 9.73% 9.19% - 5.04% 25.86% 9.73% 9.19% 4.72% 7.88%

With Surrender Charges (04/29/2013) (05/01/1995) 0.02% 5.09% 5.42% 24.05% 9.10% 8.79% - 5.04% 24.05% 9.10% 8.79% 4.72% 7.88% PIMCO VIT All Asset Portfolio, Advisor Class5 No Surrender Charges (05/01/2006) (04/30/2003) 1.37% 6.51% 12.60% 28.49% 8.34% 7.28% 4.04% 4.36% 28.49% 8.34% 7.28% 4.04% 4.95% With Surrender Charges (05/01/2006) (04/30/2003) 1.27% 6.06% 11.72% 26.49% 7.80% 6.96% 4.04% 4.36% 26.49% 7.80% 6.96% 4.04% 4.95% PIMCO VIT Global Managed Asset Allocation Portfolio, Advisor Class No Surrender Charges (04/30/2012) (04/15/2009) 0.61% 5.08% 6.61% 24.21% 10.22% 9.13% - 4.09% 24.21% 10.22% 9.13% 3.52% 5.44% With Surrender Charges (04/30/2012) (04/15/2009) 0.57% 4.72% 6.15% 22.51% 9.57% 8.75% - 4.09% 22.51% 9.57% 8.75% 3.52% 5.44%

PORTFOLIO STABILIZER - GLOBAL SERIES Variable Portfolio - Managed Volatility Growth Fund (Class 2) No Surrender Charges (04/29/2013) (04/12/2013) 0.67% 4.82% 7.18% 21.04% 8.15% 8.20% - 6.02% 21.04% 8.15% 8.20% - 6.03% With Surrender Charges (04/29/2013) (04/12/2013) 0.62% 4.48% 6.68% 19.57% 7.62% 7.85% - 6.02% 19.57% 7.62% 7.85% - 6.03% Variable Portfolio - Managed Volatility Moderate Growth Fund (Class 2) No Surrender Charges (04/30/2012) (04/19/2012) 0.66% 3.93% 4.87% 15.69% 7.20% 6.79% - 5.27% 15.69% 7.20% 6.79% - 5.30% With Surrender Charges (04/30/2012) (04/19/2012) 0.62% 3.66% 4.53% 14.59% 6.73% 6.49% - 5.27% 14.59% 6.73% 6.49% - 5.30% Variable Portfolio - Managed Volatility Conservative Growth Fund (Class 2) No Surrender Charges (04/29/2013) (04/12/2013) 0.68% 3.22% 2.82% 10.60% 6.15% 5.24% - 3.86% 10.60% 6.15% 5.24% - 3.87% With Surrender Charges (04/29/2013) (04/12/2013) 0.63% 2.99% 2.62% 9.86% 5.75% 5.00% - 3.86% 9.86% 5.75% 5.00% - 3.87% Variable Portfolio - Managed Volatility Conservative Fund (Class 2) No Surrender Charges (04/29/2013) (04/12/2013) 0.61% 2.40% 0.81% 5.88% 5.22% 3.75% - 2.75% 5.88% 5.22% 3.75% - 2.77% With Surrender Charges (04/29/2013) (04/12/2013) 0.56% 2.23% 0.75% 5.47% 4.87% 3.58% - 2.75% 5.47% 4.87% 3.58% - 2.77%

U.S. SMALL CAP Columbia Variable Portfolio - Select Small Cap Value Fund (Class 2)6 No Surrender Charges (07/19/2010) (09/15/1999) -2.23% 4.72% 24.01% 66.03% 9.62% 10.94% 9.28% 11.28% 66.03% 9.62% 10.94% 9.28% 6.92% With Surrender Charges (07/19/2010) (09/15/1999) -2.23% 4.39% 22.33% 61.41% 9.00% 10.48% 9.28% 11.28% 61.41% 9.00% 10.48% 9.28% 6.92% Variable Portfolio - Partners Small Cap Value Fund (Class 2)7 No Surrender Charges (07/19/2010) (08/14/2001) -2.26% 0.90% 20.17% 61.08% 6.37% 9.26% 7.11% 8.81% 61.08% 6.37% 9.26% 7.11% 7.21% With Surrender Charges (07/19/2010) (08/14/2001) -2.26% 0.83% 18.76% 56.80% 5.95% 8.87% 7.11% 8.81% 56.80% 5.95% 8.87% 7.11% 7.21% Wells Fargo VT Small Cap Growth Fund - Class 2 No Surrender Charges (11/07/2002) (05/01/1995) 6.65% 8.09% 8.48% 54.37% 20.89% 23.02% 13.84% 12.71% 54.37% 20.89% 23.02% 13.84% 7.92% With Surrender Charges (11/07/2002) (05/01/1995) 6.19% 7.52% 7.88% 50.56% 19.66% 22.58% 13.84% 12.71% 50.56% 19.66% 22.58% 13.84% 7.92%

RAVA 5 Choice NY This material not valid without all pages. Page 10 of 19 RiverSource® RAVA 5 Choice variable annuity - New York

Average Annual Total Returns Average Annual Total Returns Since Commencement of the Subaccount Since Commencement of fund as of quarter-ending 06/30/2021 as of quarter-ending 06/30/2021

Subaccount Subaccount Fund 1 3 1 3 5 10 Since 1 3 5 10 Since Inception Inception month month YTD year. year. year. year. Inception* year. year. year. year. Inception* U.S. SMALL CAP (CONT.) Franklin Small Cap Value VIP Fund - Class 28 No Surrender Charges (11/07/2002) (05/01/1998) -4.39% 0.15% 19.39% 52.93% 9.35% 11.08% 9.59% 9.33% 52.93% 9.35% 11.08% 9.59% 7.18% With Surrender Charges (11/07/2002) (05/01/1998) -4.39% 0.14% 18.03% 49.22% 8.75% 10.62% 9.59% 9.33% 49.22% 8.75% 10.62% 9.59% 7.18% Variable Portfolio - Partners Small Cap Growth Fund (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 4.68% 4.41% 9.48% 51.97% 14.46% 15.69% 10.02% 12.51% 51.97% 14.46% 15.69% 10.02% 11.26% With Surrender Charges (07/19/2010) (05/07/2010) 4.35% 4.10% 8.82% 48.33% 13.57% 15.13% 10.02% 12.51% 48.33% 13.57% 15.13% 10.02% 11.26% Invesco V.I. Main Street Small Cap Fund, Series II Shares9 No Surrender Charges (11/15/2004) (05/01/1998) -0.05% 3.57% 17.02% 57.11% 12.33% 14.25% 11.46% 8.63% 57.11% 12.33% 14.25% 11.46% 7.87% With Surrender Charges (11/15/2004) (05/01/1998) -0.05% 3.32% 15.83% 53.11% 11.55% 13.69% 11.46% 8.63% 53.11% 11.55% 13.69% 11.46% 7.87%

U.S. MID CAP Morgan Stanley VIF Discovery Portfolio, Class II Shares10 No Surrender Charges (05/01/2006) (10/18/1999) 12.77% 9.41% 7.45% 67.13% 49.47% 39.90% 18.72% 14.63% 67.13% 49.47% 39.90% 18.72% 11.20% With Surrender Charges (05/01/2006) (10/18/1999) 11.88% 8.75% 6.93% 62.43% 48.42% 39.64% 18.72% 14.63% 62.43% 48.42% 39.64% 18.72% 11.20% Columbia Variable Portfolio - Select Mid Cap Value Fund (Class 2)11 No Surrender Charges (07/19/2010) (05/02/2005) -2.15% 4.23% 17.88% 57.42% 11.98% 10.85% 9.36% 11.41% 57.42% 11.98% 10.85% 9.36% 7.93% With Surrender Charges (07/19/2010) (05/02/2005) -2.15% 3.94% 16.63% 53.40% 11.22% 10.40% 9.36% 11.41% 53.40% 11.22% 10.40% 9.36% 7.93% Columbia Variable Portfolio - Mid Cap Growth Fund (Class 2)12 No Surrender Charges (07/19/2010) (05/01/2001) 6.91% 9.64% 12.11% 44.35% 20.57% 18.51% 11.24% 12.93% 44.35% 20.57% 18.51% 11.24% 7.48% With Surrender Charges (07/19/2010) (05/01/2001) 6.43% 8.96% 11.26% 41.25% 19.35% 18.00% 11.24% 12.93% 41.25% 19.35% 18.00% 11.24% 7.48% CTIVP - Victory Sycamore Established Value Fund (Class 2)13 No Surrender Charges (07/19/2010) (02/04/2004) -2.50% 5.09% 22.10% 53.63% 13.06% 12.65% 11.32% 12.93% 53.63% 13.06% 12.65% 11.32% 8.53% With Surrender Charges (07/19/2010) (02/04/2004) -2.50% 4.74% 20.55% 49.88% 12.24% 12.14% 11.32% 12.93% 49.88% 12.24% 12.14% 11.32% 8.53% Fidelity VIP Mid Cap Portfolio Service Class 2 No Surrender Charges (11/07/2002) (12/28/1998) -0.92% 3.69% 14.75% 53.87% 10.16% 12.36% 9.33% 10.46% 53.87% 10.16% 12.36% 9.33% 11.14% With Surrender Charges (11/07/2002) (12/28/1998) -0.92% 3.43% 13.72% 50.10% 9.51% 11.86% 9.33% 10.46% 50.10% 9.51% 11.86% 9.33% 11.14% CTIVP - Westfield Mid Cap Growth Fund (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 3.08% 9.30% 8.58% 38.15% 19.11% 17.67% 11.99% 13.53% 38.15% 19.11% 17.67% 11.99% 12.70% With Surrender Charges (07/19/2010) (05/07/2010) 2.86% 8.65% 7.98% 35.48% 17.97% 17.14% 11.99% 13.53% 35.48% 17.97% 17.14% 11.99% 12.70%

U.S. LARGE CAP Wells Fargo VT Opportunity Fund - Class 2 No Surrender Charges (11/07/2002) (05/08/1992) 2.15% 9.13% 13.52% 43.61% 16.43% 15.82% 11.10% 10.34% 43.61% 16.43% 15.82% 11.10% 10.44% With Surrender Charges (11/07/2002) (05/08/1992) 2.00% 8.49% 12.57% 40.56% 15.42% 15.26% 11.10% 10.34% 40.56% 15.42% 15.26% 11.10% 10.44% American Century VP Value, Class II14 No Surrender Charges (11/07/2002) (05/01/1996) -1.45% 3.61% 17.78% 45.10% 9.93% 9.33% 9.63% 7.81% 45.10% 9.93% 9.33% 9.63% 7.62% With Surrender Charges (11/07/2002) (05/01/1996) -1.45% 3.36% 16.54% 41.94% 9.30% 8.93% 9.63% 7.81% 41.94% 9.30% 8.93% 9.63% 7.62% Columbia Variable Portfolio - Large Cap Index Fund (Class 3) No Surrender Charges (11/07/2002) (05/01/2000) 2.18% 8.07% 14.29% 38.50% 16.67% 15.68% 12.92% 9.09% 38.50% 16.67% 15.68% 12.92% 5.41% With Surrender Charges (11/07/2002) (05/01/2000) 2.02% 7.51% 13.29% 35.80% 15.66% 15.11% 12.92% 9.09% 35.80% 15.66% 15.11% 12.92% 5.41% Columbia Variable Portfolio - Select Large Cap Value Fund (Class 2)15 No Surrender Charges (07/19/2010) (02/04/2004) -2.93% 4.79% 20.02% 49.71% 11.99% 13.43% 11.22% 12.60% 49.71% 11.99% 13.43% 11.22% 7.50% With Surrender Charges (07/19/2010) (02/04/2004) -2.93% 4.45% 18.62% 46.23% 11.23% 12.90% 11.22% 12.60% 46.23% 11.23% 12.90% 11.22% 7.50% Variable Portfolio - Partners Core Equity Fund (Class 2)16 No Surrender Charges (07/19/2010) (05/01/2006) 1.35% 7.73% 15.80% 40.86% 14.69% 13.60% 10.53% 11.31% 40.86% 14.69% 13.60% 10.53% 6.69% With Surrender Charges (07/19/2010) (05/01/2006) 1.26% 7.19% 14.70% 38.00% 13.78% 13.06% 10.53% 11.31% 38.00% 13.78% 13.06% 10.53% 6.69%

RAVA 5 Choice NY This material not valid without all pages. Page 11 of 19 RiverSource® RAVA 5 Choice variable annuity - New York

Average Annual Total Returns Average Annual Total Returns Since Commencement of the Subaccount Since Commencement of fund as of quarter-ending 06/30/2021 as of quarter-ending 06/30/2021

Subaccount Subaccount Fund 1 3 1 3 5 10 Since 1 3 5 10 Since Inception Inception month month YTD year. year. year. year. Inception* year. year. year. year. Inception* U.S. LARGE CAP (CONT.) CTIVP - T. Rowe Price Large Cap Value Fund (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) -2.03% 4.26% 16.75% 45.89% 10.14% 10.24% 8.45% 9.91% 45.89% 10.14% 10.24% 8.45% 9.22% With Surrender Charges (07/19/2010) (05/07/2010) -2.03% 3.96% 15.58% 42.68% 9.49% 9.81% 8.45% 9.91% 42.68% 9.49% 9.81% 8.45% 9.22% Columbia Variable Portfolio - Contrarian Core Fund (Class 2) No Surrender Charges (04/29/2013) (04/30/2012) 1.69% 7.87% 15.12% 41.84% 18.29% 15.60% - 13.57% 41.84% 18.29% 15.60% - 13.95% With Surrender Charges (04/29/2013) (04/30/2012) 1.57% 7.32% 14.06% 38.91% 17.19% 15.04% - 13.57% 38.91% 17.19% 15.04% - 13.95% Fidelity VIP Contrafund Portfolio Service Class 2 No Surrender Charges (05/01/2006) (01/03/1995) 4.12% 10.98% 12.99% 33.98% 19.22% 17.28% 12.71% 8.81% 33.98% 19.22% 17.28% 12.71% 10.64% With Surrender Charges (05/01/2006) (01/03/1995) 3.83% 10.21% 12.08% 31.61% 18.07% 16.75% 12.71% 8.81% 31.61% 18.07% 16.75% 12.71% 10.64% Janus Henderson Research Portfolio: Service Shares17 No Surrender Charges (05/01/2007) (09/13/1993) 4.83% 10.78% 10.99% 36.11% 21.02% 18.95% 13.75% 9.39% 36.11% 21.02% 18.95% 13.75% 8.43% With Surrender Charges (05/01/2007) (09/13/1993) 4.49% 10.03% 10.22% 33.58% 19.78% 18.44% 13.75% 9.39% 33.58% 19.78% 18.44% 13.75% 8.43% Columbia Variable Portfolio - Large Cap Growth Fund (Class 2)18 No Surrender Charges (07/19/2010) (09/15/1999) 6.56% 12.35% 16.61% 41.15% 22.53% 20.90% 15.12% 16.33% 41.15% 22.53% 20.90% 15.12% 4.63%

With Surrender Charges (07/19/2010) (09/15/1999) 6.10% 11.49% 15.44% 38.27% 21.21% 20.42% 15.12% 16.33% 38.27% 21.21% 20.42% 15.12% 4.63% CTIVP - MFS Value Fund (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) -1.46% 5.26% 13.95% 34.76% 11.28% 10.11% 10.13% 11.14% 34.76% 11.28% 10.11% 10.13% 10.14% With Surrender Charges (07/19/2010) (05/07/2010) -1.46% 4.89% 12.98% 32.33% 10.56% 9.68% 10.13% 11.14% 32.33% 10.56% 9.68% 10.13% 10.14% Columbia Variable Portfolio - Dividend Opportunity Fund (Class 2)19 No Surrender Charges (07/19/2010) (09/15/1999) -0.41% 4.62% 15.58% 33.46% 9.77% 8.49% 8.03% 9.58% 33.46% 9.77% 8.49% 8.03% 6.12% With Surrender Charges (07/19/2010) (09/15/1999) -0.41% 4.30% 14.49% 31.11% 9.14% 8.13% 8.03% 9.58% 31.11% 9.14% 8.13% 8.03% 6.12% CTIVP - Morgan Stanley Advantage Fund (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 8.53% 11.28% 7.50% 41.60% 28.32% 25.88% 16.42% 17.68% 41.60% 28.32% 25.88% 16.42% 16.96% With Surrender Charges (07/19/2010) (05/07/2010) 7.93% 10.49% 6.98% 38.69% 26.89% 25.48% 16.42% 17.68% 38.69% 26.89% 25.48% 16.42% 16.96% Franklin Mutual Shares VIP Fund - Class 220 No Surrender Charges (11/07/2002) (11/08/1996) -1.84% 5.32% 16.32% 39.31% 6.29% 6.96% 6.72% 6.19% 39.31% 6.29% 6.96% 6.72% 6.02% With Surrender Charges (11/07/2002) (11/08/1996) -1.84% 4.95% 15.18% 36.56% 5.87% 6.66% 6.72% 6.19% 36.56% 5.87% 6.66% 6.72% 6.02% Columbia Variable Portfolio - Large Cap Index Fund (Class 2) No Surrender Charges (05/03/2021) (05/01/2000) 2.18% ------2.48% 38.40% 16.54% 15.54% 12.79% 5.35% With Surrender Charges (05/03/2021) (05/01/2000) 2.02% ------2.31% 35.71% 15.53% 14.98% 12.79% 5.35% Neuberger Berman AMT Sustainable Equity Portfolio (Class S)21 No Surrender Charges (07/19/2010) (02/18/1999) 0.58% 5.17% 12.63% 42.61% 13.89% 13.91% 10.72% 11.96% 42.61% 13.89% 13.91% 10.72% 7.01% With Surrender Charges (07/19/2010) (02/18/1999) 0.54% 4.80% 11.75% 39.62% 13.02% 13.36% 10.72% 11.96% 39.62% 13.02% 13.36% 10.72% 7.01% CTIVP - Loomis Sayles Growth Fund (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 3.79% 9.95% 12.83% 34.50% 21.19% 19.75% 15.02% 16.12% 34.50% 21.19% 19.75% 15.02% 15.04% With Surrender Charges (07/19/2010) (05/07/2010) 3.52% 9.26% 11.94% 32.09% 19.94% 19.26% 15.02% 16.12% 32.09% 19.94% 19.26% 15.02% 15.04% Columbia Variable Portfolio - Disciplined Core Fund (Class 2)22 No Surrender Charges (07/19/2010) (10/13/1981) 1.69% 7.10% 16.47% 35.61% 14.19% 14.87% 12.31% 13.94% 35.61% 14.19% 14.87% 12.31% 8.72% With Surrender Charges (07/19/2010) (10/13/1981) 1.57% 6.60% 15.31% 33.12% 13.30% 14.29% 12.31% 13.94% 33.12% 13.30% 14.29% 12.31% 8.72% AB VPS Large Cap Growth Portfolio (Class B)23 No Surrender Charges (07/19/2010) (06/26/1992) 5.39% 13.56% 14.38% 38.05% 23.67% 22.57% 16.85% 17.58% 38.05% 23.67% 22.57% 16.85% 10.25% With Surrender Charges (07/19/2010) (06/26/1992) 5.01% 12.61% 13.37% 35.39% 22.30% 22.13% 16.85% 17.58% 35.39% 22.30% 22.13% 16.85% 10.25%

RAVA 5 Choice NY This material not valid without all pages. Page 12 of 19 RiverSource® RAVA 5 Choice variable annuity - New York

Average Annual Total Returns Average Annual Total Returns Since Commencement of the Subaccount Since Commencement of fund as of quarter-ending 06/30/2021 as of quarter-ending 06/30/2021

Subaccount Subaccount Fund 1 3 1 3 5 10 Since 1 3 5 10 Since Inception Inception month month YTD year. year. year. year. Inception* year. year. year. year. Inception*

GLOBAL FIXED INCOME Columbia Variable Portfolio - Global Strategic Income Fund (Class 2)24 No Surrender Charges (07/19/2010) (05/01/1996) 0.58% 1.32% 0.62% 7.36% 3.43% 0.41% -0.64% 0.12% 7.36% 3.43% 0.41% -0.64% 2.40% With Surrender Charges (07/19/2010) (05/01/1996) 0.54% 1.23% 0.57% 6.85% 3.20% 0.38% -0.64% 0.12% 6.85% 3.20% 0.38% -0.64% 2.40% Columbia Variable Portfolio - Emerging Markets Bond Fund (Class 2) No Surrender Charges (04/29/2013) (04/30/2012) 0.52% 3.54% -1.85% 7.67% 3.99% 2.91% - 1.35% 7.67% 3.99% 2.91% - 2.45% With Surrender Charges (04/29/2013) (04/30/2012) 0.48% 3.29% -1.85% 7.13% 3.72% 2.78% - 1.35% 7.13% 3.72% 2.78% - 2.45% Templeton Global Bond VIP Fund - Class 225 No Surrender Charges (04/29/2013) (01/24/1989) -1.00% -0.17% -3.45% -4.00% -2.48% -0.82% - -1.75% -4.00% -2.48% -0.82% -0.54% 4.85% With Surrender Charges (04/29/2013) (01/24/1989) -1.00% -0.17% -3.45% -4.00% -2.48% -0.82% - -1.75% -4.00% -2.48% -0.82% -0.54% 4.85% CTIVP - BlackRock Global Inflation-Protected Securities Fund (Class 2)26 No Surrender Charges (07/19/2010) (09/13/2004) 0.22% 2.47% -0.81% 1.87% 3.73% 2.50% 2.44% 2.71% 1.87% 3.73% 2.50% 2.44% 2.71% With Surrender Charges (07/19/2010) (09/13/2004) 0.21% 2.29% -0.81% 1.74% 3.47% 2.38% 2.44% 2.71% 1.74% 3.47% 2.38% 2.44% 2.71%

MULTISECTOR BOND Columbia Variable Portfolio - Strategic Income Fund (Class 2)27 No Surrender Charges (04/29/2011) (07/05/1994) 0.33% 0.81% 1.41% 8.98% 4.92% 4.12% 3.45% 3.38% 8.98% 4.92% 4.12% 3.45% 5.02% With Surrender Charges (04/29/2011) (07/05/1994) 0.31% 0.75% 1.31% 8.35% 4.59% 3.93% 3.45% 3.38% 8.35% 4.59% 3.93% 3.45% 5.02% Fidelity VIP Strategic Income Portfolio Service Class 2 No Surrender Charges (04/29/2013) (12/23/2003) 0.90% 2.16% 1.78% 9.44% 4.71% 3.96% - 2.56% 9.44% 4.71% 3.96% 3.06% 4.20% With Surrender Charges (04/29/2013) (12/23/2003) 0.83% 2.01% 1.65% 8.78% 4.40% 3.78% - 2.56% 8.78% 4.40% 3.78% 3.06% 4.20% Invesco V.I. Global Strategic Income Fund, Series II Shares28 No Surrender Charges (11/15/2004) (05/03/1993) -2.13% -0.12% -3.62% 3.89% 1.57% 1.36% 1.25% 2.72% 3.89% 1.57% 1.36% 1.25% 3.84% With Surrender Charges (11/15/2004) (05/03/1993) -2.13% -0.12% -3.62% 3.62% 1.46% 1.29% 1.25% 2.72% 3.62% 1.46% 1.29% 1.25% 3.84%

HIGH YIELD Columbia Variable Portfolio - High Yield Bond Fund (Class 2)29 No Surrender Charges (07/19/2010) (05/01/1996) 1.33% 2.46% 2.58% 12.86% 6.34% 5.23% 4.95% 5.58% 12.86% 6.34% 5.23% 4.95% 4.80% With Surrender Charges (07/19/2010) (05/01/1996) 1.24% 2.28% 2.40% 11.96% 5.92% 5.00% 4.95% 5.58% 11.96% 5.92% 5.00% 4.95% 4.80% Columbia Variable Portfolio - Income Opportunities Fund (Class 2)30 No Surrender Charges (07/19/2010) (06/01/2004) 1.17% 2.28% 1.83% 11.62% 5.85% 4.83% 4.64% 5.21% 11.62% 5.85% 4.83% 4.64% 5.45% With Surrender Charges (07/19/2010) (06/01/2004) 1.09% 2.12% 1.70% 10.81% 5.46% 4.61% 4.64% 5.21% 10.81% 5.46% 4.61% 4.64% 5.45% Western Asset Variable Global High Yield Bond Portfolio - Share Class II No Surrender Charges (04/29/2013) (02/26/2004) 0.91% 2.81% 1.82% 11.35% 5.86% 5.42% - 2.94% 11.35% 5.86% 5.42% 4.01% 4.59% With Surrender Charges (04/29/2013) (02/26/2004) 0.85% 2.62% 1.69% 10.55% 5.47% 5.18% - 2.94% 10.55% 5.47% 5.18% 4.01% 4.59%

LONG/INTERMEDIATE-TERM BOND Janus Henderson Flexible Bond Portfolio: Service Shares No Surrender Charges (04/29/2013) (12/31/1999) 0.77% 1.83% -1.91% 0.77% 4.79% 2.19% - 1.72% 0.77% 4.79% 2.19% 2.42% 3.91% With Surrender Charges (04/29/2013) (12/31/1999) 0.71% 1.70% -1.91% 0.72% 4.47% 2.09% - 1.72% 0.72% 4.47% 2.09% 2.42% 3.91% CTIVP - TCW Core Plus Bond Fund (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 0.51% 1.38% -1.94% -0.23% 4.34% 1.96% 1.46% 1.49% -0.23% 4.34% 1.96% 1.46% 1.71% With Surrender Charges (07/19/2010) (05/07/2010) 0.47% 1.28% -1.94% -0.23% 4.05% 1.86% 1.46% 1.49% -0.23% 4.05% 1.86% 1.46% 1.71% PIMCO VIT Total Return Portfolio, Advisor Class No Surrender Charges (04/29/2013) (02/28/2006) 0.67% 1.64% -1.88% -0.26% 4.14% 2.23% - 1.44% -0.26% 4.14% 2.23% 2.08% 3.55% With Surrender Charges (04/29/2013) (02/28/2006) 0.62% 1.52% -1.88% -0.26% 3.86% 2.12% - 1.44% -0.26% 3.86% 2.12% 2.08% 3.55%

RAVA 5 Choice NY This material not valid without all pages. Page 13 of 19 RiverSource® RAVA 5 Choice variable annuity - New York

Average Annual Total Returns Average Annual Total Returns Since Commencement of the Subaccount Since Commencement of fund as of quarter-ending 06/30/2021 as of quarter-ending 06/30/2021

Subaccount Subaccount Fund 1 3 1 3 5 10 Since 1 3 5 10 Since Inception Inception month month YTD year. year. year. year. Inception* year. year. year. year. Inception* LONG/INTERMEDIATE-TERM BOND (CONT.) Columbia Variable Portfolio - Intermediate Bond Fund (Class 2)31 No Surrender Charges (07/19/2010) (10/13/1981) 0.49% 1.26% -0.29% 4.53% 6.12% 3.37% 2.98% 3.04% 4.53% 6.12% 3.37% 2.98% 6.05% With Surrender Charges (07/19/2010) (10/13/1981) 0.46% 1.17% -0.29% 4.22% 5.71% 3.21% 2.98% 3.04% 4.22% 5.71% 3.21% 2.98% 6.05% Variable Portfolio - Partners Core Bond Fund (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 0.67% 1.44% -1.92% -0.61% 4.05% 1.66% 1.81% 1.88% -0.61% 4.05% 1.66% 1.81% 2.07% With Surrender Charges (07/19/2010) (05/07/2010) 0.62% 1.34% -1.92% -0.61% 3.78% 1.58% 1.81% 1.88% -0.61% 3.78% 1.58% 1.81% 2.07% Columbia Variable Portfolio - Long Government/Credit Bond Fund (Class 2) No Surrender Charges (04/30/2013) (04/30/2013) 3.51% 6.02% -5.71% -3.70% 8.45% 4.08% - 3.25% -3.70% 8.45% 4.08% - 3.25% With Surrender Charges (04/30/2013) (04/30/2013) 3.26% 5.60% -5.71% -3.70% 7.90% 3.89% - 3.25% -3.70% 7.90% 3.89% - 3.25% CTIVP - American Century Diversified Bond Fund (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 0.66% 1.87% -0.89% 2.29% 4.55% 2.37% 2.26% 2.23% 2.29% 4.55% 2.37% 2.26% 2.38% With Surrender Charges (07/19/2010) (05/07/2010) 0.62% 1.74% -0.89% 2.13% 4.25% 2.25% 2.26% 2.23% 2.13% 4.25% 2.25% 2.26% 2.38%

GLOBAL EQUITY Invesco V.I. Global Fund, Series II Shares32 No Surrender Charges (11/15/2004) (11/12/1990) 2.68% 10.18% 10.86% 43.05% 15.21% 17.65% 10.38% 8.50% 43.05% 15.21% 17.65% 10.38% 9.34% With Surrender Charges (11/15/2004) (11/12/1990) 2.49% 9.47% 10.10% 40.03% 14.27% 17.12% 10.38% 8.50% 40.03% 14.27% 17.12% 10.38% 9.34%

INTERNATIONAL EQUITY Variable Portfolio - Partners International Growth Fund (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) -0.40% 7.20% 5.78% 31.82% 9.79% 9.70% 5.25% 6.76% 31.82% 9.79% 9.70% 5.25% 6.62% With Surrender Charges (07/19/2010) (05/07/2010) -0.40% 6.70% 5.37% 29.60% 9.16% 9.29% 5.25% 6.76% 29.60% 9.16% 9.29% 5.25% 6.62% Columbia Variable Portfolio - Overseas Core Fund (Class 2)33 No Surrender Charges (07/19/2010) (01/13/1992) -2.91% 2.00% 8.18% 30.45% 7.12% 8.57% 3.92% 5.75% 30.45% 7.12% 8.57% 3.92% 3.80% With Surrender Charges (07/19/2010) (01/13/1992) -2.91% 1.86% 7.61% 28.32% 6.66% 8.20% 3.92% 5.75% 28.32% 6.66% 8.20% 3.92% 3.80% Columbia Variable Portfolio - Emerging Markets Fund (Class 2)34 No Surrender Charges (07/19/2010) (05/01/2000) 2.72% 5.75% 7.18% 48.37% 15.61% 15.35% 5.25% 6.54% 48.37% 15.61% 15.35% 5.25% 6.90% With Surrender Charges (07/19/2010) (05/01/2000) 2.53% 5.34% 6.68% 44.99% 14.65% 14.78% 5.25% 6.54% 44.99% 14.65% 14.78% 5.25% 6.90% Variable Portfolio - Partners International Value Fund (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) -2.33% 3.45% 11.59% 36.18% 0.91% 6.07% 1.13% 2.72% 36.18% 0.91% 6.07% 1.13% 2.23% With Surrender Charges (07/19/2010) (05/07/2010) -2.33% 3.21% 10.78% 33.64% 0.84% 5.80% 1.13% 2.72% 33.64% 0.84% 5.80% 1.13% 2.23% Variable Portfolio - Partners International Core Equity Fund (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) -1.10% 4.65% 9.08% 34.41% 6.54% 7.07% 3.35% 5.01% 34.41% 6.54% 7.07% 3.35% 4.76% With Surrender Charges (07/19/2010) (05/07/2010) -1.10% 4.32% 8.44% 32.00% 6.11% 6.76% 3.35% 5.01% 32.00% 6.11% 6.76% 3.35% 4.76%

SECTOR FUNDS ALPS/Alerian Energy Infrastructure Portfolio: Class III No Surrender Charges (04/30/2013) (04/30/2013) 4.52% 17.76% 40.77% 51.85% 0.80% 1.54% - -0.40% 51.85% 0.80% 1.54% - -0.40% With Surrender Charges (04/30/2013) (04/30/2013) 4.20% 16.52% 37.92% 48.22% 0.75% 1.46% - -0.40% 48.22% 0.75% 1.46% - -0.40% MFS Utilities Series - Service Class35 No Surrender Charges (11/07/2002) (01/03/1995) -1.47% 1.32% 2.25% 19.03% 8.74% 7.26% 6.80% 10.50% 19.03% 8.74% 7.26% 6.80% 9.60% With Surrender Charges (11/07/2002) (01/03/1995) -1.47% 1.23% 2.10% 17.70% 8.17% 6.94% 6.80% 10.50% 17.70% 8.17% 6.94% 6.80% 9.60% VanEck VIP Global Gold Fund (Class S Shares) No Surrender Charges (04/29/2013) (04/29/2013) -13.32% 6.06% -12.30% -9.52% 13.35% 2.72% - 1.92% -9.52% 13.35% 2.72% - 1.92% With Surrender Charges (04/29/2013) (04/29/2013) -13.32% 5.63% -12.30% -9.52% 12.51% 2.59% - 1.92% -9.52% 12.51% 2.59% - 1.92%

RAVA 5 Choice NY This material not valid without all pages. Page 14 of 19 RiverSource® RAVA 5 Choice variable annuity - New York

Average Annual Total Returns Average Annual Total Returns Since Commencement of the Subaccount Since Commencement of fund as of quarter-ending 06/30/2021 as of quarter-ending 06/30/2021

Subaccount Subaccount Fund 1 3 1 3 5 10 Since 1 3 5 10 Since Inception Inception month month YTD year. year. year. year. Inception* year. year. year. year. Inception* SECTOR FUNDS (CONT.) CTIVP - CenterSquare Real Estate Fund (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) 2.78% 11.95% 20.81% 34.90% 9.41% 5.19% 5.62% 7.30% 34.90% 9.41% 5.19% 5.62% 6.90% With Surrender Charges (07/19/2010) (05/07/2010) 2.59% 11.12% 19.35% 32.46% 8.80% 4.96% 5.62% 7.30% 32.46% 8.80% 4.96% 5.62% 6.90%

SHORT-TERM BOND Columbia Variable Portfolio - Limited Duration Credit Fund (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) -0.22% 0.28% -0.64% 1.10% 3.22% 1.84% 1.14% 1.28% 1.10% 3.22% 1.84% 1.14% 1.32% With Surrender Charges (07/19/2010) (05/07/2010) -0.22% 0.26% -0.64% 1.02% 3.00% 1.75% 1.14% 1.28% 1.02% 3.00% 1.75% 1.14% 1.32% Columbia Variable Portfolio - U.S. Government Mortgage Fund (Class 2)36 No Surrender Charges (07/19/2010) (09/15/1999) -0.57% -0.87% -0.27% 0.84% 3.19% 1.80% 1.19% 1.11% 0.84% 3.19% 1.80% 1.19% 1.70% With Surrender Charges (07/19/2010) (09/15/1999) -0.57% -0.87% -0.27% 0.78% 2.97% 1.71% 1.19% 1.11% 0.78% 2.97% 1.71% 1.19% 1.70% CTIVP - Wells Fargo Short Duration Government Fund (Class 2) No Surrender Charges (07/19/2010) (05/07/2010) -0.41% -0.90% -1.32% -1.52% 1.02% 0.04% -0.20% -0.12% -1.52% 1.02% 0.04% -0.20% -0.07% With Surrender Charges (07/19/2010) (05/07/2010) -0.41% -0.90% -1.32% -1.52% 0.95% 0.04% -0.20% -0.12% -1.52% 0.95% 0.04% -0.20% -0.07%

COMMODITIES Columbia Variable Portfolio - Commodity Strategy Fund (Class 2) No Surrender Charges (04/30/2013) (04/30/2013) 2.58% 15.28% 23.52% 47.04% 3.28% 1.21% - -5.04% 47.04% 3.28% 1.21% - -5.04% With Surrender Charges (04/30/2013) (04/30/2013) 2.40% 14.21% 21.87% 43.75% 3.05% 1.15% - -5.04% 43.75% 3.05% 1.15% - -5.04%

PORTFOLIO STABILIZER - DOMESTIC SERIES Variable Portfolio - U.S. Flexible Growth Fund (Class 2) No Surrender Charges (11/14/2016) (11/02/2016) 1.65% 5.77% 8.14% 17.24% 7.73% - - 9.24% 17.24% 7.73% - - 9.44% With Surrender Charges (11/14/2016) (11/02/2016) 1.53% 5.37% 7.57% 16.04% 7.22% - - 8.84% 16.04% 7.22% - - 9.03% Variable Portfolio - U.S. Flexible Moderate Growth Fund (Class 2) No Surrender Charges (11/14/2016) (11/02/2016) 1.44% 4.77% 5.70% 13.03% 6.87% - - 7.69% 13.03% 6.87% - - 7.74% With Surrender Charges (11/14/2016) (11/02/2016) 1.34% 4.44% 5.30% 12.11% 6.42% - - 7.35% 12.11% 6.42% - - 7.40% Variable Portfolio - U.S. Flexible Conservative Growth Fund (Class 2) No Surrender Charges (11/14/2016) (11/02/2016) 1.20% 3.79% 3.46% 9.01% 5.91% - - 6.05% 9.01% 5.91% - - 5.95% With Surrender Charges (11/14/2016) (11/02/2016) 1.11% 3.52% 3.22% 8.38% 5.52% - - 5.77% 8.38% 5.52% - - 5.68%

PORTFOLIO STABILIZER - MANAGED RISK SERIES Variable Portfolio - Managed Risk Fund (Class 2) No Surrender Charges (09/18/2017) (09/12/2017) 0.50% 3.64% 5.74% 16.52% 6.75% - - 5.98% 16.52% 6.75% - - 6.00% With Surrender Charges (09/18/2017) (09/12/2017) 0.46% 3.38% 5.34% 15.36% 6.31% - - 5.64% 15.36% 6.31% - - 5.67% Variable Portfolio - Managed Risk U.S. Fund (Class 2) No Surrender Charges (09/18/2017) (09/12/2017) 1.10% 4.64% 7.09% 18.61% 8.95% - - 8.14% 18.61% 8.95% - - 8.16% With Surrender Charges (09/18/2017) (09/12/2017) 1.02% 4.31% 6.59% 17.31% 8.37% - - 7.70% 17.31% 8.37% - - 7.72%

RAVA 5 Choice NY This material not valid without all pages. Page 15 of 19 Important Information *If subaccount or fund is less than 1 year old, the reported returns are cumulative, not annualized.

Performance information shown represents past performance and is not a guarantee of future results. The investment return and principal value of your investment will fluctuate so that your shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the performance information shown.

We show actual performance from the date the subaccounts began investing in the funds. We also show performance from the commencement date of the funds as if the annuity existed at that time, which it did not.

Subaccount inception date is the date on which a price level (based on various benefits and fees) is first offered in any product. If that same price level is later added to another product, we continue to use the original inception date. In one product, there can be multiple price levels invested in the same underlying fund.

A fund underlying your contract in which a subaccount invests may have a name, portfolio manager, objective, strategies and characteristics that are the same or substantially similar to those of a publicly-traded retail mutual fund. Despite these similarities, an underlying fund is not the same as any publicly-traded retail mutual fund. Each underlying fund will have its own unique portfolio holdings, fees, operating expenses and operating results. The results of each underlying fund may differ significantly from any publicly-traded retail mutual fund.

Variable annuities are insurance products that are complex, long-term investment vehicles that are subject to market risk, including the potential loss of principal invested.

You should consider the investment objectives, risks, charges and expenses of the variable annuity and its underlying investment options carefully before investing. For a free copy of the annuity's prospectus and underlying investment's prospectus, which contains this and other information about variable annuities, call 1 (800) 504-0469. Read the prospectus carefully before you invest.

RiverSource Life Insurance Co. of New York offers several different annuities which your investment professional may be authorized to offer you. Each annuity has different features and benefits that may be appropriate for you based on your financial situation and needs, your risk tolerance, your age and how you intend to use the annuity. The different features and benefits may include the investment options, fund managers, interest rate amounts, guarantees, bonus crediting, surrender charge schedules, optional riders and access to annuity account values. The fees and charges may also be different among the annuity contracts we offer. Keep in mind that all guarantees are based on the continued claims paying ability of the issuing company and on variable annuities do not apply to the performance of the variable subaccounts, which will vary with market conditions.

RAVA 5 Choice NY This material not valid without all pages. Page 16 of 19 Glossary

Cash Management Real Estate An investment in the Cash Management fund is not insured Real estate investments are a narrowly focused sector or guaranteed by the Federal Deposit Insurance Corporation investment and may exhibit higher volatility than investments or any other government agency. Although the Fund seeks with broader investment objectives. An investment in real estate to maintain the value of your investment at $1.00 per share, is subject to the same risks as a direct investment in real estate. it is possible to lose money by investing in the Fund. The 7- Such risks include market risk, economic risk and mortgage rate day yields shown reflect more closely the earnings of the risk. ® fund than the total return numbers. Short-term yields may be Pyramis Trademark ® higher or lower than the figures shown. Contact your Pyramis is a registered service mark of FMR LLC. Used Under advisor or call 1(800) 862-7919 for the most current yield. License.

U.S. Equities S&P Trademark ® ® Mid Cap: Stocks of medium sized companies involve greater Standard & Poor's , S&P, S&P 500 and Standard & Poor's ® risks and volatility than stocks in larger, more established 500 are trademarks of The McGraw-Hill Companies, Inc. These companies. trademarks have been licensed for use by Ameriprise Financial Small-Cap: Stocks of small-sized companies are more volatile Services, Inc. The Fund is not sponsored, endorsed, sold or and less liquid than the stocks of larger companies. Small promoted by Standard & Poor's or any of its subsidiaries or company securities involve special risks such as relatively small affiliates (the Licensors) and the Licensors make no revenues, limited product lines, and small market shares. representation regarding the advisability of investing in the Fund.

International Stock International investment involves increased risk and volatility due to potential political and economic instability, currency

fluctuations, and differences in financial reporting and accounting standards and oversight. Risks are particularly significant in emerging markets.

Bonds There are risks associated with an investment in a bond fund, including credit risk, interest rate risk, prepayment risk, and extension risk. In general, bond prices rise when interest rates fall and vice versa. This effect is more pronounced for longer- term securities. Non-investment grade bonds, commonly called "high-yield" or "junk" bonds, have more volatile prices and carry more risk to principal and income than investment grade securities.

Specialty Funds whose investments are concentrated in a specific industry, sector, or geographic area may be subject to a higher degree of market risk than funds whose investments are diversified.

Commodities While commodities carry risk levels comparable to equities, their prices can be impacted by a wide range of forces including; demographic and technological change, weather, geopolitical

events, etc. These factors may lead uncertainly in the marketplace, causing individual commodity prices to move sharply higher or lower. This potential for increased volatility may not make this investment suitable for all investors.

RAVA 5 Choice NY This material not valid without all pages. Page 17 of 19 Footnotes

1 Prior to 05/03/2010 the performance of Columbia Variable 3) adjusted for any differences in fees and expenses. Portfolio - Government Money Market Fund (Class 2) reflects the 14 Prior to 08/14/2001 the performance of American Century VP historical returns of Columbia Variable Portfolio - Government Value, Class II reflects the historical returns of American Century Money Market Fund (Class 3) adjusted for any differences in fees VP Value, Class I adjusted for any differences in fees and and expenses. expenses. 2 Prior to 05/18/2009 the performance of DWS Alternative Asset 15 Prior to 05/03/2010 the performance of Columbia Variable Allocation VIP, Class B reflects the historical returns of DWS Portfolio - Select Large Cap Value Fund (Class 2) reflects the Alternative Asset Allocation VIP, Class A adjusted for any historical returns of Columbia Variable Portfolio - Select Large differences in fees and expenses. Cap Value Fund (Class 3) adjusted for any differences in fees and 3 Prior to 11/18/2003 the performance of BlackRock Global expenses. Allocation V.I. Fund (Class III) reflects the historical returns of 16 Prior to 05/03/2010 the performance of VP - Partners Core BlackRock Global Allocation V.I. Fund (Class I) adjusted for any Equity Fund (Class 2) reflects the historical returns of VP - differences in fees and expenses. Partners Core Equity Fund (Class 3) adjusted for any differences in 4 Prior to 01/06/1999 the performance of Franklin Income VIP fees and expenses. Fund - Class 2 reflects the historical returns of Franklin Income 17 Prior to 12/31/1999 the performance of Janus Henderson VIP Fund - Class 1 adjusted for any differences in fees and Research Portfolio: Service Shares reflects the historical returns of expenses. Janus Henderson Research Portfolio: Institutional Shares adjusted 5 Prior to 04/30/2004 the performance of PIMCO VIT All Asset for any differences in fees and expenses. Portfolio, Advisor Class reflects the historical returns of PIMCO VIT 18 Prior to 05/03/2010 the performance of Columbia Variable All Asset Portfolio, Institutional Class adjusted for any differences Portfolio - Large Cap Growth Fund (Class 2) reflects the historical in fees and expenses. returns of Columbia Variable Portfolio - Large Cap Growth Fund 6 Prior to 05/03/2010 the performance of Columbia Variable (Class 3) adjusted for any differences in fees and expenses. Portfolio - Select Small Cap Value Fund (Class 2) reflects the 19 Prior to 05/03/2010 the performance of Columbia Variable historical returns of Columbia Variable Portfolio - Select Small Portfolio - Dividend Opportunity Fund (Class 2) reflects the Cap Value Fund (Class 3) adjusted for any differences in fees and historical returns of Columbia Variable Portfolio - Dividend expenses. Opportunity Fund (Class 3) adjusted for any differences in fees 7 Prior to 05/03/2010 the performance of Variable Portfolio - and expenses. Partners Small Cap Value Fund (Class 2) reflects the historical 20 Prior to 01/06/1999 the performance of Franklin Mutual Shares returns of Variable Portfolio - Partners Small Cap Value Fund VIP Fund - Class 2 reflects the historical returns of Franklin (Class 3) adjusted for any differences in fees and expenses. Mutual Shares VIP Fund - Class 1 adjusted for any differences in 8 Prior to 01/06/1999 the performance of Franklin Small Cap fees and expenses. Value VIP Fund - Class 2 reflects the historical returns of Franklin 21 Prior to 05/01/2006 the performance of Neuberger Berman AMT Small Cap Value VIP Fund - Class 1 adjusted for any differences in Sustainable Equity Portfolio (Class S) reflects the historical fees and expenses. returns of Neuberger Berman AMT Sustainable Equity Portfolio 9 Prior to 07/16/2001 the performance of Invesco Oppenheimer (Class I) adjusted for any differences in fees and expenses. V.I. Main Street Small Cap Fund, Series II Shares reflects the 22 Prior to 05/03/2010 the performance of Columbia Variable historical returns of Invesco Oppenheimer V.I. Main Street Small Portfolio - Disciplined Core Fund (Class 2) reflects the historical Cap Fund, Series I Shares adjusted for any differences in fees and returns of Columbia Variable Portfolio - Disciplined Core Fund expenses. (Class 3) adjusted for any differences in fees and expenses. 10 Prior to 05/05/2003 the performance of Morgan Stanley VIF 23 Prior to 07/14/1999 the performance of AB VPS Large Cap Discovery Portfolio, Class II Shares reflects the historical returns Growth Portfolio (Class B) reflects the historical returns of AB VPS of Morgan Stanley VIF Discovery Portfolio, Class I Shares adjusted Large Cap Growth Portfolio (Class A) adjusted for any differences for any differences in fees and expenses. in fees and expenses. 11 Prior to 05/03/2010 the performance of Columbia Variable 24 Prior to 05/03/2010 the performance of Columbia Variable Portfolio - Select Mid Cap Value Fund (Class 2) reflects the Portfolio - Global Strategic Income Fund (Class 2) reflects the historical returns of Columbia Variable Portfolio - Select Mid Cap historical returns of Columbia Variable Portfolio - Global Strategic Value Fund (Class 3) adjusted for any differences in fees and Income Fund (Class 3) adjusted for any differences in fees and expenses. expenses. 12 Prior to 05/03/2010 the performance of Columbia Variable 25 Prior to 01/06/1999 the performance of Templeton Global Bond Portfolio - Mid Cap Growth Fund (Class 2) reflects the historical VIP Fund - Class 2 reflects the historical returns of Templeton returns of Columbia Variable Portfolio - Mid Cap Growth Fund Global Bond VIP Fund - Class 1 adjusted for any differences in (Class 3) adjusted for any differences in fees and expenses. fees and expenses. 13 Prior to 05/03/2010 the performance of CTIVP - Victory 26 Prior to 05/03/2010 the performance of CTIVP - BlackRock Sycamore Established Value Fund (Class 2) reflects the historical Global Inflation-Protected Securities Fund (Class 2) reflects the returns of CTIVP - Victory Sycamore Established Value Fund (Class historical returns of CTIVP - BlackRock Global Inflation-Protected

RAVA 5 Choice NY This material not valid without all pages. Page 18 of 19 Footnotes (continued)

Securities Fund (Class 3) adjusted for any differences in fees and expenses. 27 Prior to 06/01/2000 the performance of Columbia Variable Portfolio - Strategic Income Fund (Class 2) reflects the historical returns of Columbia Variable Portfolio - Strategic Income Fund (Class 1) adjusted for any differences in fees and expenses. 28 Prior to 03/19/2001 the performance of Invesco Oppenheimer V.I. Global Strategic Income Fund, Series II Shares reflects the historical returns of Invesco Oppenheimer V.I. Global Strategic Income Fund, Series I Shares adjusted for any differences in fees and expenses. 29 Prior to 05/03/2010 the performance of Columbia Variable Portfolio - High Yield Bond Fund (Class 2) reflects the historical returns of Columbia Variable Portfolio - High Yield Bond Fund (Class 3) adjusted for any differences in fees and expenses. 30 Prior to 05/03/2010 the performance of Columbia Variable Portfolio - Income Opportunities Fund (Class 2) reflects the historical returns of Columbia Variable Portfolio - Income Opportunities Fund (Class 3) adjusted for any differences in fees and expenses. 31 Prior to 05/03/2010 the performance of Columbia Variable Portfolio - Intermediate Bond Fund (Class 2) reflects the historical returns of Columbia Variable Portfolio - Intermediate Bond Fund (Class 3) adjusted for any differences in fees and expenses. 32 Prior to 07/13/2000 the performance of Invesco Oppenheimer V.I. Global Fund, Series II Shares reflects the historical returns of Invesco Oppenheimer V.I. Global Fund, Series I Shares adjusted for any differences in fees and expenses. 33 Prior to 05/03/2010 the performance of Columbia Variable Portfolio - Overseas Core Fund (Class 2) reflects the historical returns of Columbia Variable Portfolio - Overseas Core Fund (Class 3) adjusted for any differences in fees and expenses. 34 Prior to 05/03/2010 the performance of Columbia Variable Portfolio - Emerging Markets Fund (Class 2) reflects the historical returns of Columbia Variable Portfolio - Emerging Markets Fund (Class 3) adjusted for any differences in fees and expenses. 35 Prior to 05/01/2000 the performance of MFS Utilities Series - Service Class reflects the historical returns of MFS Utilities Series - Initial Class adjusted for any differences in fees and expenses. 36 Prior to 05/03/2010 the performance of Columbia Variable Portfolio - U.S. Government Mortgage Fund (Class 2) reflects the historical returns of Columbia Variable Portfolio - U.S. Government Mortgage Fund (Class 3) adjusted for any differences in fees and expenses.

RAVA 5 Choice NY This material not valid without all pages. Page 19 of 19