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 XXX 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 XXX 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/ Xxxxxx X. Xxxxx /s/ Xxxxxxx X. Xxxxxxxx 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 XXX IXX 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 XXX IXX 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/ Xxxxxx X. Xxxxx /s/ Xxxxxxx X. Xxxxxxxx -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 XXX 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 XXX 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/ Xxxxxx X. Xxxxx XxXxxxxx Secretary /s/ Xxxxxxx X. Xxxxxxxx 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 XXX 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 XXX 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/ Xxxxxx X. Xxxxx /s/ Xxxxxxx X. Xxxxxxxx (-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