Common use of Variable Account Clause in Contracts

Variable Account. The Variable Account consists of separate variable subaccounts to which You may allocate Contract Values including purchase payments. Each subaccount invests in shares of one fund. The variable subaccounts available on the Contract Date are shown under Contract Data. The value of Your investment in each variable subaccount changes with the performance of the particular fund. VARIABLE ANNUITY A Variable Annuity is an annuity with payments which are not predetermined or guaranteed as to dollar amount and vary in amount with the investment experience of one or more of the variable subaccounts. WE, US, OUR Any reference to "We," "Us" or "Our" means RiverSource Life Insurance Company. WRITTEN REQUEST A Written Request is a request in writing, on a form acceptable to Us, signed by You and delivered to Us at Our corporate office. ICC12 411381 Page 4 (04/2013) GENERAL PROVISIONS ENTIRE CONTRACT This contract form and any attached endorsements or riders are the entire contract between You and Us. No one except one of Our corporate officers (President, Vice President, Secretary or Assistant Secretary) can change or waive any of Our rights or requirements under this contract. That person must do so in writing. None of Our other representatives or other persons has the authority to change or waive any of Our rights or requirements under this contract. ANNUITY TAX QUALIFICATION This contract is intended to qualify as an annuity contract under Section 72 and other relevant sections of the Code for Federal income tax purposes. To that end, the provisions of this contract are to be interpreted to ensure or maintain such tax-qualification, despite any other provisions to the contrary. We reserve the right to unilaterally amend this contract to reflect any clarifications that may be needed or are appropriate to maintain such tax qualification, subject to any necessary regulatory approval. We will send You a copy of any such amendments.

Variable Account. The Variable Account consists of separate variable subaccounts to which You may allocate Contract Values including purchase payments. Each subaccount invests in shares of one fund. The variable subaccounts available on the Contract Date are shown under Contract Data. The value of Your investment in each variable subaccount changes with the performance of the particular fund. VARIABLE ANNUITY A Variable Annuity is an annuity with payments which are not predetermined or guaranteed as to dollar amount and vary in amount with the investment experience of one or more of the variable subaccounts. WE, US, OUR Any reference to "We," "Us" or "Our" means RiverSource Life Insurance Company. WRITTEN REQUEST A Written Request is a request in writing, on a form acceptable to Us, signed by You and delivered to Us at Our corporate office. ICC12 411381 411382 Page 4 (04/2013) GENERAL PROVISIONS ENTIRE CONTRACT This contract form and any attached endorsements or riders are the entire contract between You and Us. No one except one of Our corporate officers (President, Vice President, Secretary or Assistant Secretary) can change or waive any of Our rights or requirements under this contract. That person must do so in writing. None of Our other representatives or other persons has the authority to change or waive any of Our rights or requirements under this contract. ANNUITY TAX QUALIFICATION This contract is intended to qualify as an annuity contract under Section 72 and other relevant sections of the Code for Federal income tax purposes. To that end, the provisions of this contract are to be interpreted to ensure or maintain such tax-qualification, despite any other provisions to the contrary. We reserve the right to unilaterally amend this contract to reflect any clarifications that may be needed or are appropriate to maintain such tax qualification, subject to any necessary regulatory approval. We will send You a copy of any such amendments.

Variable Account. The Variable Account consists of separate variable subaccounts to which You may allocate Contract Values including purchase payments. Each subaccount invests in shares of one fund. The variable subaccounts available on the Contract Date are shown under Contract Data. The value of Your investment in each variable subaccount changes with the performance of the particular fund. VARIABLE ANNUITY A Variable Annuity is an annuity with payments which are not predetermined or guaranteed as to dollar amount and vary in amount with the investment experience of one or more of the variable subaccounts. WE, US, OUR Any reference to "We," "Us" or "Our" means RiverSource Life Insurance Company. WRITTEN REQUEST A Written Request is a request in writing, on a form acceptable to Us, signed by You and delivered to Us at Our corporate office. ICC12 411381 Page 4 (04/2013) GENERAL PROVISIONS ENTIRE CONTRACT This contract form and any attached endorsements or riders are the entire contract between You and Us. No one except one of Our corporate officers (President, Vice President, Secretary or Assistant Secretary) can change or waive any of Our rights or requirements under this contract. That person must do so in writing. None of Our other representatives or other persons has the authority to change or waive any of Our rights or requirements under this contract. ANNUITY TAX QUALIFICATION This contract is intended to qualify as an annuity contract under Section 72 and other relevant sections of the Code for Federal income tax purposes. To that end, the provisions of this contract are to be interpreted to ensure or maintain such tax-qualification, despite any other provisions to the contrary. We reserve the right to unilaterally amend this contract to reflect any clarifications that may be needed or are appropriate to maintain such tax qualification, subject to any necessary regulatory approval. We will send You a copy of any such amendments.

Variable Account. The Variable Account consists of separate variable subaccounts to which You may allocate purchase payments and Contract Values including purchase payments. Each subaccount Values; each invests in shares of one fund. The variable subaccounts available on the Contract Date are shown named under Contract Data. The value of Your investment in each variable subaccount changes with the performance of the particular fund. VARIABLE ANNUITY A Variable Annuity is an annuity with payments which are not predetermined or guaranteed as to dollar amount and vary in amount with the investment experience of one or more of the variable subaccounts. WE, US, OUR Any reference to "We," "Us" or "Our" means RiverSource Life Insurance Company. WRITTEN REQUEST A Written Request is a request in writing, on a form acceptable to Us, signed by You and delivered to Us at Our corporate office. ICC12 411381 Page 4 (04/2013) GENERAL PROVISIONS ENTIRE CONTRACT This contract form and any attached endorsements or riders are the entire contract between You and Us. No one except one of Our corporate officers (President, Vice President, Secretary or Assistant Secretary) can change or waive any of Our rights or requirements under this contract. That person must do so in writing. None of Our other representatives or other persons has the authority to change or waive any of Our rights or requirements under this contract. ANNUITY TAX QUALIFICATION This contract is intended to qualify as an annuity contract under Section 72 and other relevant sections of the Code for Federal income tax purposes. To that end, the provisions of this contract are to be interpreted to ensure or maintain such tax-qualification, despite any other provisions to the contrary. We reserve the right to unilaterally amend this contract to reflect any clarifications that may be needed or are appropriate to maintain such tax qualification, subject to any necessary regulatory approval. We will send You a copy of any such amendments.