Common use of PLEASE READ YOUR CONTRACT CAREFULLY Clause in Contracts

PLEASE READ YOUR CONTRACT CAREFULLY. If the annuitant is living on the Retirement Date, upon your request, we will begin to pay you monthly annuity payments. Any payments made by us are subject to the terms of this contract. The owner and beneficiary are as named in the application unless they are changed as provided for in this contract. We issue this contract in consideration of your application and the payment of the initial purchase payment. Signed for and issued by RiverSource Life Insurance Co. of New York of Albany, New York, as of the contract date. 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 FIXED AND VARIABLE ACCOUNTS SECTION FOR VARIABLE PROVISIONS. THE MORTALITY & EXPENSE RISK AND VARIABLE ACCOUNT ADMINISTRATIVE CHARGES ARE SHOWN UNDER CONTRACT DATA. With the combined maximum subaccount charges of 2.0%, the smallest rate of investment return required to ensure that the dollar amount of variable annuity payments does not decrease, is 5.5% for the subaccounts of the separate account based on an assumed interest rate of 3.5%. Refer to Contract Data for additional detail. The Fixed Account may not be available on the contract date. Please check the Contract Data to determine whether the Fixed Account is currently available.

PLEASE READ YOUR CONTRACT CAREFULLY. If the annuitant is living on the Retirement Date, upon your request, we will begin to pay you monthly annuity payments. Any payments made by us are subject to the terms of this contract. The owner and beneficiary are as named in the application unless they are changed as provided for in this contract. We issue this contract in consideration of your application and the payment of the initial purchase payment. Signed for and issued by RiverSource American Centurion Life Insurance Co. of New York Assurance Company of Albany, New York, as of the contract date. 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 FIXED AND VARIABLE ACCOUNTS SECTION FOR VARIABLE PROVISIONS. THE MORTALITY & EXPENSE RISK AND VARIABLE ACCOUNT ADMINISTRATIVE CHARGES ARE SHOWN UNDER CONTRACT DATA. With the combined maximum subaccount charges of 2.01.7%, the smallest rate of investment return required to ensure that the dollar amount of variable annuity payments does not decrease, is 5.55.2% for the subaccounts of the separate account based on an assumed interest rate of 3.5%. Refer to Contract Data for additional detail. The Fixed Account may not be available on the contract date. Please check the Contract Data to determine whether the Fixed Account is currently available.