Exchange of Annuity Units. The Annuitant may exchange the dollar value of all or a portion of the Annuity Units in a Subaccount for an equivalent dollar amount of Annuity Units of another Subaccount. The limit on exchanges of Annuity Units is shown in the table in the Transfer section. After the exchanges, the number of Annuity Units in the Subaccount from which you are transferring will be reduced by the number of Annuity Units exchanged. The number of Annuity Units in the Subaccount to which the exchange is made will be increased by the number of Annuity Units acquired in the exchange. FIXED ANNUITY PAYMENTS Fixed Annuity Payments are Annuity Payments which remain fixed as to dollar amount throughout the Annuity Period. As of the Annuity Date, any Subaccount Accumulation Value applied to purchase fixed Annuity Payments will be allocated to the Guaranteed Interest Account. The fixed Annuity Payment will be that amount shown in the attached Tables. If the fixed Annuity Payment is credited at an interest rate Form 15208-95 above the guaranteed minimum rate, the dollar amount of each payment will be greater than the guaranteed dollar amount for the time period that the higher rate is declared. COMBINATION ANNUITY PAYMENTS Combination Annuity Payments are Annuity Payments where a portion of the payment is variable and a portion of the payment is fixed as to dollar amount. If a combination Annuity Payment is elected, at least 25% of the proceeds must be allocated to each elected option. As of the Annuity Date, we will allocate proceeds between the Guaranteed Interest Account and the Subaccounts to meet the proportions selected. Any amount of Accumulation Value to be transferred to or from the Guaranteed Interest Account will be allocated among the Subaccounts in which you are invested in the same proportion that each Subaccount Accumulation Value bears to your Variable Account Accumulation Value. Once a combination Annuity Payment is selected, the Annuitant may subsequently increase the allocation to a fixed Annuity Payment, but may not increase the allocation to a variable Annuity Payment. ANNUITY PAYMENT OPTIONS Under each Annuity Payment Option, the payment period is elected from one of the following:

Exchange of Annuity Units. After the annuity payout begins, Annuity Units of any Sub-Account may be exchanged for units of any other Sub-Accounts. This may be done no more than once a year. Once the annuity payout starts, no exchanges may be made to or from any fixed annuity. 13077(LA)-15 15 ANNUITY PAYOUT TABLE OPTION ONE Installments for Life With or Without a Fixed Period Certain Monthly Income for Each $1,000 of Contract Value Fixed Period in Months Male Female Age None 120 None 120 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 4.27 4.34 4.43 4.51 4.60 4.70 4.80 4.91 5.03 5.15 5.28 5.42 5.57 5.74 5.91 6.10 6.29 6.50 6.73 6.97 7.23 7.51 7.80 8.12 8.45 8.82 9.21 9.62 10.07 10.55 11.06 4.22 4.29 4.37 4.45 4.54 4.62 4.72 4.82 4.92 5.03 5.14 5.26 5.39 5.52 5.66 5.81 5.96 6.11 6.28 6.44 6.61 6.78 6.96 7.14 7.32 7.49 7.67 7.84 8.01 8.17 8.33 3.90 3.97 4.03 4.10 4.18 4.25 4.34 4.42 4.52 4.61 4.72 4.83 4.95 5.07 5.21 5.35 5.51 5.67 5.85 6.04 6.25 6.47 6.71 6.97 7.26 7.56 7.90 8.26 8.65 9.07 9.53 3.89 3.95 4.01 4.08 4.15 4.22 4.30 4.38 4.47 4.56 4.66 4.76 4.86 4.98 5.10 5.22 5.36 5.50 5.65 5.80 5.96 6.14 6.31 6.50 6.69 6.89 7.09 7.29 7.49 7.69 7.89 Instead of such monthly installments, yearly, semi-annual or quarterly installments may be selected. Amounts for ages not shown in this table may be obtained upon request. 13077(LA)-15 16 ANNUITY PAYOUT TABLE OPTION TWO Joint and Survivor Annuity Monthly Income for Each $1,000 of Contract Value Male Female Age Age 50 55 60 65 70 75 80 50 55 60 65 70 75 80 3.60 3.69 3.76 3.81 3.84 3.87 3.88 3.75 3.88 3.99 4.07 4.14 4.18 4.21 3.88 4.06 4.23 4.38 4.50 4.58 4.64 3.99 4.23 4.49 4.72 4.93 5.08 5.19 4.08 4.38 4.72 5.07 5.40 5.68 5.90 4.15 4.50 4.91 5.39 5.89 6.37 6.78 4.20 4.58 5.06 5.65 6.34 7.07 7.77 Amounts for ages not shown in this table may be obtained upon request. 13077(LA)-15 17

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 Co. of New York 00 Xxxxxxx Xxxxxx Xxxxxxxxx Xxxxxx, Xxx Xxxx 00000 1.800.541.2251 Individual Flexible Purchase Payments Deferred Variable Annuity Contract • Surrender charges may be waived under specified conditions • This contract is nonparticipating – dividends are not payable Contract Data Contract Number: 9925-0000000 Contract Date: May 2, 2022 Contract Type: Nonqualified Application Date: May 2, 2022 Annuitant: Xxxx Xxx Annuitization Start Date: May 2, 2062 Owner: Xxxx Xxx Owner’s Age on Application Date: 55 Owner’s Date of Birth: March 1, 1967 Owner’s Sex: Male Annuitant’s Date of Birth: March 1, 1967 Annuitant’s Sex: Male Application Signed State: NY Department of Financial Services: 800.342.3736 Initial Purchase Payment: $100,000.00 Minimum Additional Purchase Payment: $50 Maximum Purchase Payments per Contract Year Attained Age 85 and under Attained Age 86 through Attained Age 90 Attained Age 91 and older 1st contract year $ 1,000,000 $ 100,000 $ 0 Each contract year thereafter $ 100,000 $ 50,000 $ 0 Maximum Total Purchase Payments per Owner (see the Purchase Payments provision) Total per Owner $ 1,000,000 $ 100,000 $ 100,000 We reserve the right to limit subsequent purchase payments on a non-discriminatory basis as described in the Payment Limits provision. Annual Mortality and Expense (M&E) Risk Fee: Initial Base M&E Risk Fee + Optional Death Benefit Rider Fee = Initial Annual M&E Risk Fee 1.20% + 0.00% = 1.20% The Base M&E Risk Fee and Annual M&E Risk Fee is subject to change as described in the Mortality and Expense (M&E) Risk Charge provision.

Related to Exchange of Annuity Units

Change in Form or Timing of Distributions All changes in the form or timing of distributions hereunder must comply with the following requirements. The changes:
Distribution of Additional Shares, Rights, etc If the Company or any affiliate of the Company determines to make any issuance or distribution of (1) additional Shares, (2) rights to subscribe for Shares, (3) securities convertible into Shares, or (4) rights to subscribe for such securities (each a “Distribution”), the Company shall notify the Depositary in writing in English as promptly as practicable and in any event before the Distribution starts and, if requested in writing by the Depositary, the Company shall promptly furnish to the Depositary a written opinion from U.S. counsel for the Company that is reasonably satisfactory to the Depositary, stating whether or not the Distribution requires, or, if made in the United States, would require, registration under the Securities Act of 1933. If, in the opinion of that counsel, the Distribution requires, or, if made in the United States, would require, registration under the Securities Act of 1933, that counsel shall furnish to the Depositary a written opinion as to whether or not there is a registration statement under the Securities Act of 1933 in effect that will cover that Distribution. The Company agrees with the Depositary that neither the Company nor any company controlled by, controlling or under common control with the Company will at any time deposit any Shares, either originally issued or previously issued and reacquired by the Company or any such affiliate, unless a Registration Statement is in effect as to such Shares under the Securities Act of 1933 or the Company delivers to the Depositary an opinion of United States counsel, satisfactory to the Depositary, to the effect that, upon deposit, those Shares will be eligible for public resale in the United States without further registration under the Securities Act of 1933.
Distribution of Units Unless otherwise determined by the Committee or required by any applicable law, rule or regulation, neither the Company nor the Partnership shall deliver to the Participant certificates evidencing Units issued pursuant to this Agreement and instead such Units shall be recorded in the books of the Partnership (or, as applicable, its transfer agent or equity plan administrator). All certificates for Units issued pursuant to this Agreement and all Units issued pursuant to book entry procedures hereunder shall be subject to such stop transfer orders and other restrictions as the Company may deem advisable under the Plan or the rules, regulations, and other requirements of the SEC, any stock exchange upon which such Units are then listed, and any applicable federal or state laws, and the Company may cause a legend or legends to be inscribed on any such certificates or book entry to make appropriate reference to such restrictions. In addition to the terms and conditions provided herein, the Company may require that the Participant make such covenants, agreements, and representations as the Company, in its sole discretion, deems advisable in order to comply with any such laws, regulations, or requirements. No fractional Units shall be issued or delivered pursuant to the Phantom Units and the Committee shall determine, in its discretion, whether cash, other securities, or other property shall be paid or transferred in lieu of fractional Units or whether such fractional Units or any rights thereto shall be canceled, terminated, or otherwise eliminated.
ATTRIBUTION OF CLASS C SHARES Class C shares that are outstanding from time to time, shall be attributed to the Distributor and each Successor Distributor in accordance with the following rules;
Exchange of Fund Shares On receipt of instructions to exchange the shares of the Fund for the shares of another American Express(R) Fund or other American Express Financial Corporation product in accordance with the terms of the prospectus, the Transfer Agent will process the exchange in the same manner as a redemption and sale of shares.
ANNUITY PAYMENT OPTIONS a. Life Annuity / Life Annuity with Certain Period -- Fixed and/or Variable Annuity Payments will be made for the lifetime of the Annuitant with no Certain Period, or life and a 10 year Certain Period, or life and a 20 year Certain Period.
Death During Distribution of a Benefit If the Executive dies after any benefit distributions have commenced under this Agreement but before receiving all such distributions, the Bank shall distribute to the Beneficiary the remaining benefits at the same time and in the same amounts they would have been distributed to the Executive had the Executive survived.
LOANS AND PRE-RELEASE OF SHARES AND RECEIPTS Notwithstanding Section 2.3 of the Deposit Agreement, the Depositary may execute and deliver Receipts prior to the receipt of Shares pursuant to Section 2.2 of the Deposit Agreement ("Pre-Release"). The Depositary may, pursuant to Section 2.5 of the Deposit Agreement, deliver Shares upon the receipt and cancellation of Receipts which have been Pre-Released, whether or not such cancellation is prior to the termination of such Pre-Release or the Depositary knows that such Receipt has been Pre-Released. The Depositary may receive Receipts in lieu of Shares in satisfactory of a Pre-Release. Each Pre-Release will be (a) preceded or accompanied by a written representation from the person to whom Receipts are to be delivered that such person, or its customer, owns the Shares or Receipts to be remitted, as the case may be, (b) at all times fully collateralized with cash or such other collateral as the Depositary deems appropriate, (c) terminable by the Depositary on not more than five (5) business days notice, and (d) subject to such further indemnities and credit regulations as the Depositary deems appropriate. The number of American Depositary Shares which are outstanding at any time as a result of Pre-Releases will not normally exceed thirty percent (30%) of the Shares deposited under the Deposit Agreement; provided, however, that the Depositary reserves the right to change or disregard such limit from time to time as it deems appropriate. The Depositary may retain for its own account any compensation received by it in connection with the foregoing.
Reservation of Class A Ordinary Shares The Company shall at all times reserve and keep available a number of its authorized but unissued Class A ordinary shares that shall be sufficient to permit the exercise in full of all outstanding Warrants issued pursuant to this Agreement.
Accrued Benefit 1.05 1.16 Nonforfeitable ............................................. 1.05 1.17 Plan Year/Limitation Year .................................. 1.05 1.18 Effective Date ............................................. 1.05 1.19 Plan Entry Date ............................................ 1.05 1.20

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