Common use of Exchange of Annuity Units Clause in Contracts

Exchange of Annuity Units. After the Annuitization Start Date, Annuity Units of any variable subaccount may be exchanged for units of any other variable subaccounts. This may be done no more than once in any contract year. Unless We agree otherwise You may use a maximum of ten variable subaccounts at any one time. No exchanges may be made to or from any Fixed Annuity after the Annuitization Start Date. RiverSource Life Insurance Company 70100 Ameriprise Financial Center Minneapolis MN 55474 1.800.862.7919 Flexible Purchase Payments Deferred Variable Annuity Contract • Surrender charges may be waived under specified conditions • This contract is nonparticipating — dividends are not payable

Exchange of Annuity Units. After the Annuitization Start Date, Annuity Units of any variable subaccount may be exchanged for units of any other variable subaccounts. This may be done no more than once in any contract year. Unless We agree otherwise You may use a maximum of ten variable subaccounts at any one time. No exchanges may be made to or from any Fixed Annuity after the Annuitization Start Date. RiverSource Life Insurance Company 70100 Ameriprise Financial Center Minneapolis MN 55474 1.800.862.7919 MN55474 ▇.▇▇▇.▇▇▇.▇▇▇▇ Flexible Purchase Payments Deferred Variable Annuity Contract • ◾ Surrender charges may be waived under specified conditions • ◾ This contract is nonparticipating — dividends are not payable