Common use of CONTRACT CAREFULLY Clause in Contracts

CONTRACT CAREFULLY. If You are living on the Annuitization Start Date, We will begin to pay You monthly payments, subject to other provisions of this contract. This date may be changed as provided in this contract. We issue this contract in consideration of the payment of the initial purchase payment. ACCUMULATION VALUES AND ANNUITY PAYMENTS, WHEN BASED ON THE INVESTMENT RESULTS OF THE VARIABLE SUBACCOUNTS, ARE VARIABLE AND NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. SEE THE ACCOUNTS: FIXED AND VARIABLE SECTION FOR VARIABLE ACCOUNT PROVISIONS. OPTIONAL RIDER CHARGES MAY REDUCE THE DEATH BENEFIT AMOUNT TO LESS THAN THE CONTRACT VALUE. SEE THE PAYMENTS TO BENEFICIARIES PROVISIONS. NOTICE OF YOUR RIGHT TO EXAMINE THIS CONTRACT FOR TEN DAYS. If for any reason You are not satisfied with this contract, You may cancel this contract by returning it to Us or Our agent within ten Days after You receive it. - If this is not an ▇▇▇ contract, upon such cancellation We will refund an amount equal to the sum of: (1) the Contract Value at the end of the Valuation Period during which We receive the contract; and (2) any premium tax charges paid. - If this is an ▇▇▇ contract, upon such cancellation We will refund all purchase payments which You have paid. This contract will then be considered void from its start. Signed for and issued by RiverSource Life Insurance Company of Minneapolis, Minnesota, as of the Contract Date. /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇ Secretary President - Flexible Purchase Payments -- Subject to Limitations - Optional Fixed Dollar or Variable Accumulation Values and Annuity Payments - Annuity Payments Begin on the Annuitization Start Date - This Contract is Nonparticipating -- Dividends Are Not Payable 411276 (8/2009) GUIDE TO CONTRACT PROVISIONS

CONTRACT CAREFULLY. If You are living on the Annuitization Start Date, We will begin to pay You monthly payments, subject to other provisions of this contract. This date may be changed as provided in this contract. We issue this contract in consideration of the payment of the initial purchase payment. ACCUMULATION VALUES AND ANNUITY PAYMENTS, WHEN BASED ON THE INVESTMENT RESULTS OF THE VARIABLE SUBACCOUNTS, ARE VARIABLE AND NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. SEE THE ACCOUNTS: FIXED AND VARIABLE SECTION FOR VARIABLE ACCOUNT PROVISIONS. OPTIONAL RIDER CHARGES MAY REDUCE THE DEATH BENEFIT AMOUNT TO LESS THAN THE CONTRACT VALUE. SEE THE PAYMENTS TO BENEFICIARIES PROVISIONS. NOTICE OF YOUR RIGHT TO EXAMINE THIS CONTRACT FOR TEN DAYS. If for any reason You are not satisfied with this contract, You may cancel this contract by returning it to Us or Our agent within ten Days after You receive it. - If this is not an ▇I▇▇ contract, upon such cancellation We will refund an amount equal to the sum of: (1) the Contract Value at the end of the Valuation Period during which We receive the contract; and (2) any premium tax charges paid. - If this is an ▇I▇▇ contract, upon such cancellation We will refund all purchase payments which You have paid. - If this contract is intended to replace an existing contract, your right to examine this contract is extended to 30 days or any longer period if required by the state in which it is delivered. This contract will then be considered void from its start. Signed for and issued by RiverSource Life Insurance Company of Minneapolis, Minnesota, as of the Contract Date. /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇ -s- SIGNATURE -s- SIGNATURE Secretary President - Flexible Purchase Payments -- Subject to Limitations - Optional Fixed Dollar or Variable Accumulation Values and Annuity Payments - Annuity Payments Begin on the Annuitization Start Date - This Contract is Nonparticipating -- Dividends Are Not Payable 411276 - Surrender Charges May Be Waived under Specified Conditions ICC12 411381 Page 1 (8/200904/2013) GUIDE TO CONTRACT PROVISIONS

CONTRACT CAREFULLY. If You are living on the Annuitization Start Date, We will begin to pay You monthly payments, subject to other provisions of this contract. This date may be changed as provided in this contract. We issue this contract in consideration of the payment of the initial purchase payment. ACCUMULATION VALUES AND ANNUITY PAYMENTS, WHEN BASED ON THE INVESTMENT RESULTS OF THE VARIABLE SUBACCOUNTS, ARE VARIABLE AND NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. SEE THE ACCOUNTS: FIXED AND VARIABLE SECTION FOR VARIABLE ACCOUNT PROVISIONS. OPTIONAL RIDER CHARGES MAY REDUCE THE DEATH BENEFIT AMOUNT TO LESS THAN THE CONTRACT VALUE. SEE THE PAYMENTS TO BENEFICIARIES PROVISIONS. NOTICE OF YOUR RIGHT TO EXAMINE THIS CONTRACT FOR TEN DAYS. If for any reason You are not satisfied with this contract, You may cancel this contract by returning it to Us or Our agent within ten Days after You receive it. - If this is not an ▇▇▇ contract, upon such cancellation We will refund an amount equal to the sum of: (1) the Contract Value Value, less any purchase payment credits, at the end of the Valuation Period during which We receive the contract; and (2) any premium tax charges paid. - If this is an ▇▇▇ contract, upon such cancellation We will refund all purchase payments which You have paid. This contract will then be considered void from its start. Signed for and issued by RiverSource Life Insurance Company of Minneapolis, Minnesota, as of the Contract Date. /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇ Secretary /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇ Secretary President - Flexible Purchase Payments with Purchase Payment Credits Provision -- Subject to Limitations - Optional Fixed Dollar or Variable Accumulation Values and Annuity Payments - Annuity Payments Begin on the Annuitization Start Date - This Contract is Nonparticipating -- Dividends Are Not Payable 411276 - Surrender Charges May Be Waived under Specified Conditions 411265 (8/2009) GUIDE TO CONTRACT PROVISIONS

CONTRACT CAREFULLY. If You are living on the Annuitization Start Date, We will begin to pay You monthly payments, subject to other provisions of this contract. This date may be changed as provided in this contract. We issue this contract in consideration of the payment of the initial purchase payment. ACCUMULATION VALUES AND ANNUITY PAYMENTS, WHEN BASED ON THE INVESTMENT RESULTS OF THE VARIABLE SUBACCOUNTS, ARE VARIABLE AND NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. SEE THE ACCOUNTS: FIXED AND VARIABLE SECTION FOR VARIABLE ACCOUNT PROVISIONS. OPTIONAL RIDER CHARGES MAY REDUCE THE DEATH BENEFIT AMOUNT TO LESS THAN THE CONTRACT VALUE. SEE THE PAYMENTS TO BENEFICIARIES PROVISIONS. NOTICE OF YOUR RIGHT TO EXAMINE THIS CONTRACT FOR TEN DAYS. If for any reason You are not satisfied with this contract, You may cancel this contract by returning it to Us or Our agent within ten Days after You receive it. - If this is not an ▇I▇▇ contract, upon such cancellation We will refund an amount equal to the sum of: (1) the Contract Value at the end of the Valuation Period during which We receive the contract; and (2) any premium tax charges paid. - If this is an ▇I▇▇ contract, upon such cancellation We will refund all purchase payments which You have paid. - If this contract is intended to replace an existing contract, your right to examine this contract is extended to 30 days or any longer period if required by the state in which it is delivered. This contract will then be considered void from its start. Signed for and issued by RiverSource Life Insurance Company of Minneapolis, Minnesota, as of the Contract Date. /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇ -s- SIGNATURE -s- SIGNATURE Secretary President - Flexible Purchase Payments -- Subject to Limitations - Optional Fixed Dollar or Variable Accumulation Values and Annuity Payments - Annuity Payments Begin on the Annuitization Start Date - This Contract is Nonparticipating -- Dividends Are Not Payable 411276 ICC12 411382 Page 1 (8/200904/2013) GUIDE TO CONTRACT PROVISIONS

CONTRACT CAREFULLY. If You are living on the Annuitization Start Date, We will begin to pay You monthly payments, subject to other provisions of this contract. This date may be changed as provided in this contract. We issue this contract in consideration of the payment of the initial purchase payment. ACCUMULATION VALUES AND ANNUITY PAYMENTS, WHEN BASED ON THE INVESTMENT RESULTS OF THE VARIABLE SUBACCOUNTS, ARE VARIABLE AND NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. SEE THE ACCOUNTS: FIXED AND VARIABLE SECTION FOR VARIABLE ACCOUNT PROVISIONS. OPTIONAL RIDER CHARGES MAY REDUCE THE DEATH BENEFIT AMOUNT TO LESS THAN THE CONTRACT VALUE. SEE THE PAYMENTS TO BENEFICIARIES PROVISIONS. NOTICE OF YOUR RIGHT TO EXAMINE THIS CONTRACT FOR TEN DAYS. If for any reason You are not satisfied with this contract, You may cancel this contract by returning it to Us or Our agent within ten Days after You receive it. - If this is not an ▇▇▇ contract, upon such cancellation We will refund an amount equal to the sum of: (1) the Contract Value at the end of the Valuation Period during which We receive the contract; and (2) any premium tax charges paid. - If this is an ▇▇▇ contract, upon such cancellation We will refund all purchase payments which You have paid. This contract will then be considered void from its start. Signed for and issued by RiverSource Life Insurance Company of Minneapolis, Minnesota, as of the Contract Date. /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇ (-s- Signature) (-s- Signature) Secretary President - Flexible Purchase Payments -- Subject to Limitations - Optional Fixed Dollar or Variable Accumulation Values and Annuity Payments - Annuity Payments Begin on the Annuitization Start Date - This Contract is Nonparticipating -- Dividends Are Not Payable 411276 - Surrender Charges May Be Waived under Specified Conditions 411380 Page 1 (8/200904/2013) GUIDE TO CONTRACT PROVISIONS

CONTRACT CAREFULLY. If You are living on Right to Examine the Annuitization Start Date, We will begin to pay You monthly payments, subject to other provisions of this contract. This date may be changed as provided in this contract. We issue this contract in consideration of the payment of the initial purchase payment. ACCUMULATION VALUES AND ANNUITY PAYMENTS, WHEN BASED ON THE INVESTMENT RESULTS OF THE VARIABLE SUBACCOUNTS, ARE VARIABLE AND NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. SEE THE ACCOUNTSContract: FIXED AND VARIABLE SECTION FOR VARIABLE ACCOUNT PROVISIONS. OPTIONAL RIDER CHARGES MAY REDUCE THE DEATH BENEFIT AMOUNT TO LESS THAN THE CONTRACT VALUE. SEE THE PAYMENTS TO BENEFICIARIES PROVISIONS. NOTICE OF YOUR RIGHT TO EXAMINE THIS CONTRACT FOR TEN DAYS. [New Sales: “If for any reason You you are not satisfied with this contractContract, You you may cancel this contract by returning return it within 10 days from the date you received it to Us Symetra or Our agent within ten Days after You to the registered representative who sold you this Contract. When we receive it. - If this is not an ▇▇▇ contractContract, upon such cancellation We we will refund an amount equal your Purchase Payments. We reserve the right to allocate all Purchase Payments designated for the various Portfolios to the sum of: (1) [Fidelity VIP Money Market Portfolio – Service Class 2] until the Contract Value at is 15 days old.”] [Replacement: “If for any reason you are not satisfied with this Contract, you may return it within 20 days from the end of date you received it to Symetra or to the Valuation Period during which We registered representative who sold you this Contract. When we receive the contract; and (2) any premium tax charges paid. - If this is an ▇▇▇ contractContract, upon such cancellation We we will refund your Purchase Payments. We reserve the right to allocate all purchase payments which You have paid. This contract will then be considered void from its start. Purchase Payments designated for the various Portfolios to the [Fidelity VIP Money Market Portfolio – Service Class 2] until the Contract is 15 days old.”] Signed for and issued by RiverSource Symetra Life Insurance Company of Minneapolis, Minnesota, as of the Contract Date. /s/ by: [▇▇▇▇▇▇ ▇. ▇▇▇▇▇ /s/ ] [▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇ Secretary President - ] [Secretary] [President] SymetraSM and the Symetra Financial logo are service marks of Symetra Life Insurance Company. CONTRACT DATA PAGE Insert Accumulation Phase 1 Accumulation Unit 1 Annuitant 1 Annuity Date 1 Annuity Unit 1 Beneficiary 1 Contract 1 Contract Year 1 Fixed Account 1 General Account 1 Income Phase 1 IRC 1 Owner 1 Portfolios 1 Purchase Payment 1 Separate Account 1 ABOUT THE CONTRACT 2 OWNER 2 ANNUITANT 2 BENEFICIARY 2 Change of Beneficiary 2 PURCHASE PAYMENTS 3 ALLOCATION OF PURCHASE PAYMENTS 3 ACCUMULATION UNITS 3 VARIABLE INVESTMENT OPTIONS 5 Substitution of Shares 5 FIXED ACCOUNT 5 Interest Crediting 5 Interest Compounding 6 Minimum Value Guarantee 6 TRANSFERS 6 Limits on Excessive Transfers 7 INSURANCE CHARGES 8 Mortality and Expense Risk Charge 8 Asset-Related Administration Charge 8 ANNUAL ADMINISTRATION MAINTENANCE CHARGE 8 CONTINGENT DEFERRED SALES CHARGE 8 WITHDRAWAL CHARGE 9 TRANSFER CHARGE 9 PREMIUM TAXES 9 INCOME OR OTHER TAXES 9 WITHDRAWALS 10 Repetitive Withdrawals 10 ANNUITY OPTIONS 11 Life Annuity 11 Life Annuity with Guaranteed Period 11 Joint and Survivor Life Annuity 11 Payments Based on a Number of Years 12 Automatic Option 12 ANNUITY PAYMENTS 12 Fixed Annuity Payments 12 Variable Annuity Payments 12 Changing Portfolio Elections after the Annuity Date 14 DEATH OF ANNUITANT Prior to the Annuity Date 15 DEATH OF OWNER Prior to the Annuity Date 15 Calculation of Death Benefit 15 Limitation on Death Benefit 16 Payment of Death Benefit 16 DEATH OF ANNUITANT On or After the Annuity Date 17 DEATH OF OWNER On or After the Annuity Date 17 ACCOUNT STATEMENTS 18 ASSIGNMENT OF BENEFITS 18 COMMUNICATIONS 18 ESSENTIAL DATA 18 EVIDENCE OF SURVIVAL 18 JURISDICTION 18 MISSTATEMENT OF AGE OR SEX 18 NONPARTICIPATION 18 SEPARATE ACCOUNT 19 STATE REQUIRED BENEFITS 19 SUSPENSION OF ANNUITY PAYMENTS, WITHDRAWALS, OR TRANSFERS 19 TERMINATION OF CONTRACT 19 THE CONTRACT 19 VOTING RIGHTS 19 VARIABLE ANNUITY PURCHASE RATE TABLE 20 FIXED ANNUITY PURCHASE RATE TABLE 21 Accumulation Phase The period between the date we allocate your first Purchase Payment and the Annuity Date. Accumulation Unit A measurement used to calculate the value of a Portfolio during the Accumulation Phase and variable annuity payments made under the Payments Based on a Number of Years annuity option. Annuitant The natural person(s) on whose life/lives annuity payments are based. You are the Annuitant unless you designate someone else before the Annuity Date. Annuity Date The date annuity payments begin under an annuity option. Annuity Unit A measurement used to calculate variable annuity payments during the Income Phase, except for the Payments Based on a Number of Years annuity option. Beneficiary The person(s) named by the Owner and joint Owner, if any, to receive any death benefit payable in accordance with the provisions of this Contract. Contract This Flexible Premium Deferred Variable Annuity. Contract Year A 12-month period starting on the contract date shown on your contract data page and each anniversary of that date. Fixed Account The investment option of this Contract that provides for guaranteed interest. Purchase Payments -- Subject allocated to Limitations - Optional the Fixed Dollar or Variable Accumulation Values and Annuity Payments - Annuity Payments Begin Account become part of Symetra’s General Account. General Account The assets of Symetra other than those attributable to Separate Accounts. Income Phase The period beginning on the Annuitization Start Annuity Date - This Contract during which the payee receives annuity payments. IRC The Internal Revenue Code of 1986, as amended. Owner The person(s) or entity(ies) named on the contract application. The Owner has all ownership rights under this Contract. Portfolios The variable investment options available under the Contract. Purchase Payment An amount paid to Symetra for allocation under this Contract, less any premium tax due at the time this payment is Nonparticipating -- Dividends Are Not Payable 411276 (8/2009) GUIDE TO CONTRACT PROVISIONSmade. Separate Account A segregated asset account established under Washington law and shown on the contract data page.