Copyright (C) 2008 by Thomson Financial Company. All Rights Reserved.01/10/2008 Page 1 of 23
- RiverSource Distributions Inc. (Distributor), Member FINRA. Insurance and annuity products are issued by RiverSource Life Insurance Company. Both companies are affiliated with Ameriprise Financial Services, Inc.
- This illustration is authorized for use only when preceded or accompanied by the current variable annuity prospectus. The variable annuity contract prospectus contains full details on fees and expenses and should be read carefully before you invest or send money. You should consider the investment objectives, risks, charges and expenses of the underlying investment options carefully before investing. For a free copy ofthe underlying investment's prospectus, which contains this and other information, call 1-800-862-7919. Read the prospectus carefully before you invest.
_____________________________________________________________________________________________________________________________________________________________________
Hypothetical Report
Prepared For Annuitization Sample
Prepared By Thomson Financial
Joe Broker
1455 Research BlvdRockville, MD 20850
The securities referred to herein are not insured by the NCUA. They are not deposits or obligations of, nor are they guaranteed by, the depository institution. These securities are subject to investment risks, including the possible loss of principal invested.
This report is not complete unless all pages, as noted below, are included. Please read the information in "Important Disclosures" found at the front of this report.
Flexible Annuity:AllinGr&In BFlexible Annuity:RVS VP Balanced
Copyright (C) 2008 by Thomson Financial Company. All Rights Reserved.01/10/2008 Page 2 of 23
- Illustration reflects M&E risk charges. Illustration does not reflect fees for optional benefits; if these benefits were selected, values illustrated would be lower.
- THE NUMBERS ABOVE REPRESENT PAST PERFORMANCE AND ARE NOT INDICATIVE OF FUTURE RESULTS.
- The investment return and principal value of your contract value invested in the Funds available under your variable annuity will fluctuate so that the surrender value of your variable annuity contract may be worth more or less than the amount you invest. Current performance may be lower or higher than the performance information shown. You may obtain performance information current to the most recent month-end by calling 1-800-862-7919.
____________________________________________________________________________________________________________________________________________________________________________
Hypothetical Report
Important Disclosures
Standardized Average Annual Total Returns for Quarter Ended 12/31/2007Returns for periods of less than one year are not annualized.
Security Name Inception Max. Initial Sales SinceDate Charge/CDSC 1 Year 5 Years 10 Years Inception
Flexible Annuity:AllinGr&In B 1/14/1991 -5.58% 9.50% 5.38% 8.71%Flexible Annuity:RVS VP Balanced 4/30/1986 -8.53% 5.48% 1.53% 6.55%Blend: 60% S&P 500-- 40% LB Aggregate
12/31/1975 - 6.22% 9.51% 6.26% 11.22%
S&P 500 Composite Total Return 1/31/1950 - 5.49% 12.83% 5.91% 11.84%
Average Annual Total Returns for Month Ended 12/31/2007Returns for periods of less than one year are not annualized.
Security Name Inception Max. Initial Sales SinceDate Charge/CDSC 1 Year 5 Years 10 Years Inception
Flexible Annuity:AllinGr&In B 1/14/1991 -5.58% 9.50% 5.38% 8.71%Flexible Annuity:RVS VP Balanced 4/30/1986 -8.53% 5.48% 1.53% 6.55%Blend: 60% S&P 500-- 40% LB Aggregate
12/31/1975 - 6.22% 9.51% 6.26% 11.22%
S&P 500 Composite Total Return 1/31/1950 - 5.49% 12.83% 5.91% 11.84%
THE NUMBERS ABOVE REPRESENT PAST PERFORMANCE AND ARE NOT INDICATIVE OF FUTURE RESULTS.
The investment return and principal value of your contract value invested in the Funds available under your variable annuity will fluctuate so that the surrender value of your variable annuity contract may be worth more or less than the amount you invest. Current performance may be lower or higher than the performance information shown. You may obtain performance information current to the most recent month-end by calling 1-800-862-7919.
The Standardized Average Annual Total Return figures shown above have been calculated using the formula prescribed by the Securities and Exchange Commission in Form N-4. The figures shown assume: -a single payment of $1000; -reflect the deduction of all recurring separate account charges for the death benefit (M&E charges-see the table below); -reflect the deduction of all recurring contract charges in the form of a $30 annual contract maintenance fee (waived if contract payments or values are $50,000 or more); -reflect the deduction of all nonrecurring contract charges in the form of contract surrender charges (referred to as Maximum Sales Charge in the table above). These charges attach to each payment and decline according to a schedule in the contract; -that you surrender all contract value the end of 1 Year, or at the end of 5 Years, or at the end of 10 Years and the applicable contract surrender charge, if any, has been deducted; -the deduction of total fund operating expenses; and, -the performance of funds which reflect either the RiverSource Life Variable Annuity separate account inception date, or the underlying fund inception date active prior to the RiverSource Life Annuity product inception date of February, 2004 as though the annuity existed, which it did not. The performance of these funds has been adjusted to reflect all recurring separate account charges for the death benefit selected, all recurring contract charges, all non-recurring contract charges and the deduction of total fund operating expenses.
The securities referred to herein are not insured by the NCUA. They are not deposits or obligations of, nor are they guaranteed by, the depository institution. These securities are subject to investment risks, including the possible loss of principal invested.
Product Name and Contract Numbers RAVA4 Advantage: 7 and 10-year surrender schedules 131101 M&E: includes Return of Purchase Payment Death Benefit* Qualified: 0.85% Non-Qualified: 1.05% Band 3: ($1 million or more/Employees/Advisors): 0.55% *Additional annual charge of 0.20% of contract value would apply if clients select ROPP at age 76+
Copyright (C) 2008 by Thomson Financial Company. All Rights Reserved.01/10/2008 Page 3 of 23
- Illustration reflects M&E risk charges. Illustration does not reflect fees for optional benefits; if these benefits were selected, values illustrated would be lower.
- THE NUMBERS ABOVE REPRESENT PAST PERFORMANCE AND ARE NOT INDICATIVE OF FUTURE RESULTS.
- The investment return and principal value of your contract value invested in the Funds available under your variable annuity will fluctuate so that the surrender value of your variable annuity contract may be worth more or less than the amount you invest. Current performance may be lower or higher than the performance information shown. You may obtain performance information current to the most recent month-end by calling 1-800-862-7919.
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Product Name and Contract Numbers RAVA4 Select: 3-year surrender schedules 131102 M&E: includes Return of Purchase Payment Death Benefit* Qualified: 1.10% Non-Qualified: 1.30% Band 3: ($1 million or more/Employees/Advisors): 0.75% *Additional annual charge of 0.20% of contract value would apply if clients select ROPP at age 76+
Fees for optional benefits have not been deducted, and if included, the Standardized Average Annual Total returns shown above would be lower. This illustration does not reflect the taxes.
Fees for the following optional benefits, which may not be available in all states, have not been deducted in calculating the Standardized Average Annual Total Returns and if included, the returns shown would have been lower:
Optional Benefits Available and Current Non-Guarantee Fee, age limits apply to this list. Return of Purchase Payments Death Benefit (ROPP): 0.20% of contract value annually Maximum Anniversary Value Death Benefit (MAV): 0.25% of contract value annually Maximum Five-year Anniversary Value Death Benefit: 0.10% of contract value annually Guaranteed Minimum Withdrawal Benefit Rider (Withdrawal Benefit): 0.60% of contract value annually *Accumulation Benefit Rider (AB): 0.60% of contract value annually. *Guaranteed Withdrawal Benefit for Life Rider (GWB for Life): 0.65% of contract value annually.
Information about Variable Annuity Investment Options
The investment options available for investment under the variable annuity contract represent a variety of asset classes. While all investing involves risk, some asset classes have unique risk considerations. The following table presents a general summary of some of these risks for certain types of funds. You should always consider the investment objectives, risks, charges and expenses of the underlying investment options carefully before investing.
Cash: Includes cash equivalents such as money-market funds. U.S. Stocks: Includes stocks in companies domiciled in the United States, held directly or in managed products (i.e., mutual funds). Non U.S. Stocks: Includes stocks in companies domiciled outside the United States, held directly or in managed products (i.e., mutual funds). Bonds: Includes fixed-income securities, held directly or in managed products (i.e., mutual funds).
Additional Risks - Certain funds and/or securities under these asset types may invest in areas that tend to involve additional risks. Examples of which are: International/Emerging Market: The investor should note that investing in international securities involves special additional risks. These risks include, but are not limited to, currency risk, political risk, and risk associated with varying accounting standards. Investing in emerging markets may accentuate these risks. Small Cap: The investor should note that investing in stocks of small companies involves additional risks. Smaller companies typically have a higher risk of failure, and are not as well established as larger blue-chip companies. Historically, smaller-company stocks have experienced a greater degree of market volatility than the overall market average and are less liquid than the securities of larger companies. Mid Cap: The investor should note that investing in companies with market capitalizations below $10 billion involves additional risks. The securities of these companies may be more volatile and less liquid than the securities of larger companies. High-Yield Bonds: The investor should note that investing in lower-rated debt securities (commonly referred to as junk bonds) involves additional risks because of the lower credit quality of the securities in the portfolio. The investor should be aware of the possible higher level of volatility, and increased risk of default. Bonds: These are risks associated with an investment in bond, including the impact of interest rates, credit, and inflation. These and other risk considerations are discussed in the prospectus. In general, bond prices rise when interest rates fall and vice versa. This effect is usually more pronounced for longer-term securities.
Information for "Hypothetical Table" The Return on the Investment - Average Annual figure found on the hypothetical table represents the average annual growth rate realized on the hypothetical investment in the Variable Annuity Investment Options ("Funds") listed on the "Hypothetical Table" page. A percentage rate of return, calculated by InvestmentView, which is specific to the illustration in which it appears. This figure appears below the table on reports. Its calculation includes the effects of sales charges, all cash inflows and outflows, and taxes (if applicable). While it is a useful measure of the results of a hypothetical investment, it should not be the only criterion used to determine whether a security has performed well or poorly.
The Cumulative figure found on the comparison table represents the total, unannualized percentage change between the initial market value and the ending market value of the security or index in the illustration.
Copyright (C) 2008 by Thomson Financial Company. All Rights Reserved.01/10/2008 Page 4 of 23
- Illustration reflects M&E risk charges. Illustration does not reflect fees for optional benefits; if these benefits were selected, values illustrated would be lower.
- THE NUMBERS ABOVE REPRESENT PAST PERFORMANCE AND ARE NOT INDICATIVE OF FUTURE RESULTS.
- The investment return and principal value of your contract value invested in the Funds available under your variable annuity will fluctuate so that the surrender value of your variable annuity contract may be worth more or less than the amount you invest. Current performance may be lower or higher than the performance information shown. You may obtain performance information current to the most recent month-end by calling 1-800-862-7919.
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Adjusted AUVs
Flexible Annuity:AllinGr&In B, Flexible Annuity:RVS VP Balanced includes performance data for a period prior to the subaccount's inception. This data was derived from the subaccount's underlying investment vehicle, typically a mutual fund. Data from the underlying investment vehicle is superimposed onto the subaccount to show performance as if the subaccount had been in existence prior to its true inception date. The superimposed data is adjusted historically using the subaccount's expenses, including Mortality and Expense charges.
Period End Column - Data as of date for each row in the hypothetical.
Invest Column - Dollar amount invested.
Charges Column - Dollar amount of annual contract charges being charged. This column does not include charges for optional benefits available under the variable annuity contract.
Surrender Value Column - The amount the insurer will return to the policyholder upon cancellation of the policy. Surrender Value may be less than the account value due to Contingent Deferred Sales Charges.
Portfolio Value Column - Value of the investment in the Variable Annuity Investment Options ("Funds") listed at the bottom of the page.
The illustration included herein does not reflect the effects of taxes in some or all of the investments.
Blend: 60% S&P 500, 40% LB Aggregate is a blended index, combining a 60% weighting of the Standard & Poor's 500 Composite Total Return Index and a 40% weighting of the Lehman Brothers Aggregate index. S&P 500 Composite Total Return Index is a capitalization weighted index of500 stocks traded on the NYSE, AMEX, and Over the Counter comprised of industrial, financial, transportation and utility companies as well as dividends reinvested into the index value. Lehman Brothers Aggregate is an index comprised of approximately 6,000 publicly traded bonds including U.S. government, mortgage-backed, corporate and Yankee bonds with an average maturity of approximately 10 years.
S&P 500 Principal is a market capitalization weighted price index composed of 500 widely held common stocks listed on the New York Stock Exchange, American Stock Exchange and Over-The-Counter market. The index represents principal only and does not include the effect of reinvestments. The value of the index varies with the aggregate value of the common equity of each of the 500 companies. The stocks represented by this index involve investment risks which may include the loss of principal invested.
Most annuities have a tax-deferred feature. So do many retirement plans under the Internal Revenue Code. As a result, when you use an annuity to fund a retirement plan that is tax-deferred, your annuity will not provide any necessary or additional tax deferral for that retirement plan. But annuities do have features other than tax deferral that may help you reach your retirement goals. You should consult your tax advisor prior to making a purchase for an explanation of the tax implications to you.
Variable annuities are insurance products that are complex long term investment vehicles. Before you invest, be sure to ask your sales representative about the variable annuity's features, benefits, risks and fees, and whether the variable annuity is appropriate for you, based upon your financial situation and objectives. RiverSource Life offers several different annuities which your sales representative may or may not be authorized to offer to you. Each annuity has different features and benefits that may be appropriate for you based on your financial situations andneeds, your age and how you intend to use the annuity. The different features and benefits may include variations in interest rate amounts and guarantees, bonus crediting, surrender charge schedules and access to annuity account values. The fees and charges may also be different between each annuity.
Annuities are not short-term liquid investments. Upon surrender, the amounts available to you may be worth more or less than the original amount invested (due to fees, charges and market fluctuations). Surrenders that do not qualify for a waiver may be subject to a surrender charge.A 10% IRS penalty may apply to surrenders made prior to age 59 ½. Earnings from a nonqualified annuity are taxed as ordinary income, not capital gains, when distributed. Any distribution from a qualified annuity is taxed as ordinary income when distributed. Death Benefits may be subject to ordinary income tax. Consult a tax advisor regarding annuity taxation as it applies to your circumstances.
Copyright (C) 2008 by Thomson Financial Company. All Rights Reserved.01/10/2008 Page 5 of 23
- Illustration reflects M&E risk charges. Illustration does not reflect fees for optional benefits; if these benefits were selected, values illustrated would be lower.
- THE NUMBERS ABOVE REPRESENT PAST PERFORMANCE AND ARE NOT INDICATIVE OF FUTURE RESULTS.
- The investment return and principal value of your contract value invested in the Funds available under your variable annuity will fluctuate so that the surrender value of your variable annuity contract may be worth more or less than the amount you invest. Current performance may be lower or higher than the performance information shown. You may obtain performance information current to the most recent month-end by calling 1-800-862-7919.
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Hypothetical Report
Portfolio Summary Illustration
Accumulation Settings:
Flexible Annuity:AllinGr&In B : $10,000 initial non-qualified investment on 1/31/1991. Dividends and capital gains are reinvested. The effects of taxes are not demonstrated.
Flexible Annuity:RVS VP Balanced : $10,000 initial non-qualified investment on 1/31/1991. Dividends and capital gains are reinvested. The effects of taxes are not demonstrated.
Annuitization Settings:
Flexible Annuity:AllinGr&In B : $42,021 settlement on 1/31/1991. Initial payment of $176 on 1/31/1991. Average Monthly payment of $336. Income tax liabilities due over each period are shown. Contract: Flexible Annuity. Insurance Carrier: RiverSource Life Ins Company.
Flexible Annuity:RVS VP Balanced : $42,021 settlement on 1/31/1991. Initial payment of $211 on 1/31/1991. Average Monthly payment of $284. Income tax liabilities due over each period are shown. Contract: Flexible Annuity. Insurance Carrier: RiverSource Life Ins Company.
Copyright (C) 2008 by Thomson Financial Company. All Rights Reserved.01/10/2008 Page 6 of 23
- Illustration reflects M&E risk charges. Illustration does not reflect fees for optional benefits; if these benefits were selected, values illustrated would be lower.
- THE NUMBERS ABOVE REPRESENT PAST PERFORMANCE AND ARE NOT INDICATIVE OF FUTURE RESULTS.
- The investment return and principal value of your contract value invested in the Funds available under your variable annuity will fluctuate so that the surrender value of your variable annuity contract may be worth more or less than the amount you invest. Current performance may be lower or higher than the performance information shown. You may obtain performance information current to the most recent month-end by calling 1-800-862-7919.
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Hypothetical Report
Portfolio Illustration
Flexible Annuity:AllinGr&In B : $10,000 initial non-qualified investment on 1/31/1991. Dividends and capital gains are reinvested. The effects of taxes are not demonstrated. Flexible Annuity:RVS VP Balanced : $10,000 initial non-qualified investment on 1/31/1991. Dividends and capital gains are reinvested. The effects of taxes are not demonstrated.
PeriodEnd Invest Charges
PortfolioValues
SurrenderValue
1/31/1991 20,000 0 20,000 18,594
12/31/1991 0 18p
22,517 21,111
12/31/1992 0 24p
23,987 22,581
12/31/1993 0 24p
26,582 25,176
12/31/1994 0 24p
25,603 24,197
12/31/1995 0 24p
32,817 31,411
12/31/1996 0 24p
39,104 37,698
12/31/1997 0 24p
48,045 48,039
12/31/1998 0 24p
56,314 56,308
12/31/1999 0 24p
62,930 62,924
12/31/2000 0 24p
66,028 66,022
12/31/2001 0 24p
62,366 62,360
12/31/2002 0 24p
50,351 50,345
12/31/2003 0 24p
63,252 63,246
12/31/2004 0 24p
69,200 69,194
12/31/2005 0 24p
71,447 71,441
12/31/2006 0 24p
81,970 81,964
12/31/2007 0 24p
84,043 84,037
20,000
Ending Accumulation Value Portfolio Value Return on the Investment Percent
Total Ending Amount: 84,043 Average Annual: 8.86%
Cumulative: 320.21%
Copyright (C) 2008 by Thomson Financial Company. All Rights Reserved.01/10/2008 Page 7 of 23
- Illustration reflects M&E risk charges. Illustration does not reflect fees for optional benefits; if these benefits were selected, values illustrated would be lower.
- THE NUMBERS ABOVE REPRESENT PAST PERFORMANCE AND ARE NOT INDICATIVE OF FUTURE RESULTS.
- The investment return and principal value of your contract value invested in the Funds available under your variable annuity will fluctuate so that the surrender value of your variable annuity contract may be worth more or less than the amount you invest. Current performance may be lower or higher than the performance information shown. You may obtain performance information current to the most recent month-end by calling 1-800-862-7919.
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Hypothetical Report
Portfolio - (1/31/1991 - 12/31/2007) $84,043 =Total Ending Amount
Flexible Annuity:AllinGr&In B : $10,000 initial non-qualified investment on 1/31/1991. Dividends and capital gains are reinvested. The effects of taxes are not demonstrated.
Flexible Annuity:RVS VP Balanced : $10,000 initial non-qualified investment on 1/31/1991. Dividends and capital gains are reinvested. The effects of taxes are not demonstrated.
$90,000
$80,000
$70,000
$60,000
$50,000
$40,000
$30,000
$20,000
$10,000
$0
91 92 93 94 95 96 97 98 99 00 01 02 03 04 05 06 07
Flexible Annuity:AllinGr&In B (Ending Value: $50,555)
Flexible Annuity:RVS VP Balanced (Ending Value: $33,488)
Copyright (C) 2008 by Thomson Financial Company. All Rights Reserved.01/10/2008 Page 8 of 23
- Illustration reflects M&E risk charges. Illustration does not reflect fees for optional benefits; if these benefits were selected, values illustrated would be lower.
- THE NUMBERS ABOVE REPRESENT PAST PERFORMANCE AND ARE NOT INDICATIVE OF FUTURE RESULTS.
- The investment return and principal value of your contract value invested in the Funds available under your variable annuity will fluctuate so that the surrender value of your variable annuity contract may be worth more or less than the amount you invest. Current performance may be lower or higher than the performance information shown. You may obtain performance information current to the most recent month-end by calling 1-800-862-7919.
____________________________________________________________________________________________________________________________________________________________________________
Hypothetical Report
Portfolio - (1/31/1991 - 12/31/2007) $84,043 =Total Ending Amount
Flexible Annuity:AllinGr&In B : $10,000 initial non-qualified investment on 1/31/1991. Dividends and capital gains are reinvested. The effects of taxes are not demonstrated.
Flexible Annuity:RVS VP Balanced : $10,000 initial non-qualified investment on 1/31/1991. Dividends and capital gains are reinvested. The effects of taxes are not demonstrated.
$90,000
$80,000
$70,000
$60,000
$50,000
$40,000
$30,000
$20,000
$10,000
$0
1/31/1991 12/31/1993 12/31/1996 12/31/1999 12/31/2002 12/31/2005
Flexible Annuity:AllinGr&In B (Ending Value: $50,555)
Flexible Annuity:RVS VP Balanced (Ending Value: $33,488)
Copyright (C) 2008 by Thomson Financial Company. All Rights Reserved.01/10/2008 Page 9 of 23
- Illustration reflects M&E risk charges. Illustration does not reflect fees for optional benefits; if these benefits were selected, values illustrated would be lower.
- THE NUMBERS ABOVE REPRESENT PAST PERFORMANCE AND ARE NOT INDICATIVE OF FUTURE RESULTS.
- The investment return and principal value of your contract value invested in the Funds available under your variable annuity will fluctuate so that the surrender value of your variable annuity contract may be worth more or less than the amount you invest. Current performance may be lower or higher than the performance information shown. You may obtain performance information current to the most recent month-end by calling 1-800-862-7919.
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Hypothetical Report
Portfolio - (1/31/1991 - 12/31/2007) $84,043 =Total Ending Amount
Flexible Annuity:AllinGr&In B : $10,000 initial non-qualified investment on 1/31/1991. Dividends and capital gains are reinvested. The effects of taxes are not demonstrated.
Flexible Annuity:RVS VP Balanced : $10,000 initial non-qualified investment on 1/31/1991. Dividends and capital gains are reinvested. The effects of taxes are not demonstrated.
$90,000
$80,000
$70,000
$60,000
$50,000
$40,000
$30,000
$20,000
91 92 93 94 95 96 97 98 99 00 01 02 03 04 05 06 07
Portfolio Value (Ending Amount: $84,043)
Copyright (C) 2008 by Thomson Financial Company. All Rights Reserved.01/10/2008 Page 10 of 23
- Illustration reflects M&E risk charges. Illustration does not reflect fees for optional benefits; if these benefits were selected, values illustrated would be lower.
- THE NUMBERS ABOVE REPRESENT PAST PERFORMANCE AND ARE NOT INDICATIVE OF FUTURE RESULTS.
- The investment return and principal value of your contract value invested in the Funds available under your variable annuity will fluctuate so that the surrender value of your variable annuity contract may be worth more or less than the amount you invest. Current performance may be lower or higher than the performance information shown. You may obtain performance information current to the most recent month-end by calling 1-800-862-7919.
____________________________________________________________________________________________________________________________________________________________________________
Hypothetical Report
Portfolio - (1/31/1991 - 12/31/2007) $84,043 =Total Ending Amount
Flexible Annuity:AllinGr&In B : $10,000 initial non-qualified investment on 1/31/1991. Dividends and capital gains are reinvested. The effects of taxes are not demonstrated.
Flexible Annuity:RVS VP Balanced : $10,000 initial non-qualified investment on 1/31/1991. Dividends and capital gains are reinvested. The effects of taxes are not demonstrated.
Total Beginning Market Value = $20,000 Total Ending Market Value = $84,043
50.0% 50.0%
39.8%
60.2%
Flexible Annuity:AllinGr&In B (Ending Value: $50,555)
Flexible Annuity:RVS VP Balanced (Ending Value: $33,488)
Copyright (C) 2008 by Thomson Financial Company. All Rights Reserved.01/10/2008 Page 11 of 23
- Illustration reflects M&E risk charges. Illustration does not reflect fees for optional benefits; if these benefits were selected, values illustrated would be lower.
- THE NUMBERS ABOVE REPRESENT PAST PERFORMANCE AND ARE NOT INDICATIVE OF FUTURE RESULTS.
- The investment return and principal value of your contract value invested in the Funds available under your variable annuity will fluctuate so that the surrender value of your variable annuity contract may be worth more or less than the amount you invest. Current performance may be lower or higher than the performance information shown. You may obtain performance information current to the most recent month-end by calling 1-800-862-7919.
____________________________________________________________________________________________________________________________________________________________________________
Hypothetical Report
1/31/1991 - 12/31/2007 $50,555 =Total Ending Amount
Flexible Annuity:AllinGr&In B : $10,000 initial non-qualified investment on 1/31/1991. Dividends and capital gains are reinvested. The effects of taxes are not demonstrated.
$60,000
$50,000
$40,000
$30,000
$20,000
$10,000
$0
91 92 93 94 95 96 97 98 99 00 01 02 03 04 05 06 07
Market Value (Ending Amount: $50,555)
Copyright (C) 2008 by Thomson Financial Company. All Rights Reserved.01/10/2008 Page 12 of 23
- Illustration reflects M&E risk charges. Illustration does not reflect fees for optional benefits; if these benefits were selected, values illustrated would be lower.
- THE NUMBERS ABOVE REPRESENT PAST PERFORMANCE AND ARE NOT INDICATIVE OF FUTURE RESULTS.
- The investment return and principal value of your contract value invested in the Funds available under your variable annuity will fluctuate so that the surrender value of your variable annuity contract may be worth more or less than the amount you invest. Current performance may be lower or higher than the performance information shown. You may obtain performance information current to the most recent month-end by calling 1-800-862-7919.
____________________________________________________________________________________________________________________________________________________________________________
Hypothetical Report
1/31/1991 - 12/31/2007 $50,555 =Total Ending Amount
Flexible Annuity:AllinGr&In B : $10,000 initial non-qualified investment on 1/31/1991. Dividends and capital gains are reinvested. The effects of taxes are not demonstrated.
$60,000
$50,000
$40,000
$30,000
$20,000
$10,000
$0
1/31/1991 12/31/1993 12/31/1996 12/31/1999 12/31/2002 12/31/2005
Market Value (Ending Amount: $50,555)
Copyright (C) 2008 by Thomson Financial Company. All Rights Reserved.01/10/2008 Page 13 of 23
- Illustration reflects M&E risk charges. Illustration does not reflect fees for optional benefits; if these benefits were selected, values illustrated would be lower.
- THE NUMBERS ABOVE REPRESENT PAST PERFORMANCE AND ARE NOT INDICATIVE OF FUTURE RESULTS.
- The investment return and principal value of your contract value invested in the Funds available under your variable annuity will fluctuate so that the surrender value of your variable annuity contract may be worth more or less than the amount you invest. Current performance may be lower or higher than the performance information shown. You may obtain performance information current to the most recent month-end by calling 1-800-862-7919.
____________________________________________________________________________________________________________________________________________________________________________
Hypothetical Report
1/31/1991 - 12/31/2007 $50,555 =Total Ending Amount
Flexible Annuity:AllinGr&In B : $10,000 initial non-qualified investment on 1/31/1991. Dividends and capital gains are reinvested. The effects of taxes are not demonstrated.
$55,000
$50,000
$45,000
$40,000
$35,000
$30,000
$25,000
$20,000
$15,000
$10,000
91 92 93 94 95 96 97 98 99 00 01 02 03 04 05 06 07
Market Value (Ending Amount: $50,555)
Copyright (C) 2008 by Thomson Financial Company. All Rights Reserved.01/10/2008 Page 14 of 23
- Illustration reflects M&E risk charges. Illustration does not reflect fees for optional benefits; if these benefits were selected, values illustrated would be lower.
- THE NUMBERS ABOVE REPRESENT PAST PERFORMANCE AND ARE NOT INDICATIVE OF FUTURE RESULTS.
- The investment return and principal value of your contract value invested in the Funds available under your variable annuity will fluctuate so that the surrender value of your variable annuity contract may be worth more or less than the amount you invest. Current performance may be lower or higher than the performance information shown. You may obtain performance information current to the most recent month-end by calling 1-800-862-7919.
____________________________________________________________________________________________________________________________________________________________________________
Hypothetical Report
1/31/1991 - 12/31/2007 $33,488 =Total Ending Amount
Flexible Annuity:RVS VP Balanced : $10,000 initial non-qualified investment on 1/31/1991. Dividends and capital gains are reinvested. The effects of taxes are not demonstrated.
$35,000
$30,000
$25,000
$20,000
$15,000
$10,000
$5,000
$0
91 92 93 94 95 96 97 98 99 00 01 02 03 04 05 06 07
Market Value (Ending Amount: $33,488)
Copyright (C) 2008 by Thomson Financial Company. All Rights Reserved.01/10/2008 Page 15 of 23
- Illustration reflects M&E risk charges. Illustration does not reflect fees for optional benefits; if these benefits were selected, values illustrated would be lower.
- THE NUMBERS ABOVE REPRESENT PAST PERFORMANCE AND ARE NOT INDICATIVE OF FUTURE RESULTS.
- The investment return and principal value of your contract value invested in the Funds available under your variable annuity will fluctuate so that the surrender value of your variable annuity contract may be worth more or less than the amount you invest. Current performance may be lower or higher than the performance information shown. You may obtain performance information current to the most recent month-end by calling 1-800-862-7919.
____________________________________________________________________________________________________________________________________________________________________________
Hypothetical Report
1/31/1991 - 12/31/2007 $33,488 =Total Ending Amount
Flexible Annuity:RVS VP Balanced : $10,000 initial non-qualified investment on 1/31/1991. Dividends and capital gains are reinvested. The effects of taxes are not demonstrated.
$35,000
$30,000
$25,000
$20,000
$15,000
$10,000
$5,000
$0
1/31/1991 12/31/1993 12/31/1996 12/31/1999 12/31/2002 12/31/2005
Market Value (Ending Amount: $33,488)
Copyright (C) 2008 by Thomson Financial Company. All Rights Reserved.01/10/2008 Page 16 of 23
- Illustration reflects M&E risk charges. Illustration does not reflect fees for optional benefits; if these benefits were selected, values illustrated would be lower.
- THE NUMBERS ABOVE REPRESENT PAST PERFORMANCE AND ARE NOT INDICATIVE OF FUTURE RESULTS.
- The investment return and principal value of your contract value invested in the Funds available under your variable annuity will fluctuate so that the surrender value of your variable annuity contract may be worth more or less than the amount you invest. Current performance may be lower or higher than the performance information shown. You may obtain performance information current to the most recent month-end by calling 1-800-862-7919.
____________________________________________________________________________________________________________________________________________________________________________
Hypothetical Report
1/31/1991 - 12/31/2007 $33,488 =Total Ending Amount
Flexible Annuity:RVS VP Balanced : $10,000 initial non-qualified investment on 1/31/1991. Dividends and capital gains are reinvested. The effects of taxes are not demonstrated.
$35,000
$32,500
$30,000
$27,500
$25,000
$22,500
$20,000
$17,500
$15,000
$12,500
$10,000
91 92 93 94 95 96 97 98 99 00 01 02 03 04 05 06 07
Market Value (Ending Amount: $33,488)
Copyright (C) 2008 by Thomson Financial Company. All Rights Reserved.01/10/2008 Page 17 of 23
- Illustration reflects M&E risk charges. Illustration does not reflect fees for optional benefits; if these benefits were selected, values illustrated would be lower.
- THE NUMBERS ABOVE REPRESENT PAST PERFORMANCE AND ARE NOT INDICATIVE OF FUTURE RESULTS.
- The investment return and principal value of your contract value invested in the Funds available under your variable annuity will fluctuate so that the surrender value of your variable annuity contract may be worth more or less than the amount you invest. Current performance may be lower or higher than the performance information shown. You may obtain performance information current to the most recent month-end by calling 1-800-862-7919.
____________________________________________________________________________________________________________________________________________________________________________
Annuity Payment Illustration
Portfolio Illustration
Single Life Non Refund
Assumed InvestmentReturn
PaymentFrequency Annuitant State
3.5% Monthly Male, 65 MD
InitialPayment
AnnualTax
Exclusion QualificationIncomeTax Rate
SettlementAmount Cost Basis
SettlementDate
$356 $1,000.00 Non-Qualified 25.00% $84,043 $20,000 1/31/1991
Pre-Tax Pre-Tax Pre-Tax After-Tax Tax Pre-Tax Cumulative
Variable Fixed Total Total Exclusion Payment Pre-Tax
Period End Payments Payments Payments Payments Amount Incr/Decr Payments
12/31/1991 5,554 0 5,554 4,416 1,000 0.00% 5,554
12/31/1992 5,806 0 5,806 4,604 1,000 4.52% 11,360
12/31/1993 6,276 0 6,276 4,957 1,000 8.11% 17,636
12/31/1994 6,238 0 6,238 4,928 1,000 -0.61% 23,874
12/31/1995 6,843 0 6,843 5,382 1,000 9.71% 30,717
12/31/1996 7,912 0 7,912 6,184 1,000 15.62% 38,629
12/31/1997 9,544 0 9,544 7,408 1,000 20.63% 48,174
12/31/1998 10,769 0 10,769 8,327 1,000 12.83% 58,943
12/31/1999 11,994 0 11,994 9,246 1,000 11.38% 70,938
12/31/2000 12,677 0 12,677 9,758 1,000 5.69% 83,614
12/31/2001 11,991 0 11,991 9,243 1,000 -5.41% 95,605
12/31/2002 10,041 0 10,041 7,781 1,000 -16.26% 105,646
12/31/2003 9,809 0 9,809 7,606 1,000 -2.31% 115,454
12/31/2004 11,044 0 11,044 8,533 1,000 12.60% 126,499
12/31/2005 11,450 0 11,450 8,837 1,000 3.67% 137,948
12/31/2006 12,009 0 12,009 9,257 1,000 4.88% 149,957
12/31/2007 13,002 0 13,002 10,001 1,000 8.27% 162,959
Total Annuity Payments: $162,959
Total Taxes Due: $36,490
Flexible Annuity:AllinGr&In B: $42,021 settlement on 1/31/1991. Initial payment of $176 on 1/31/1991. Average Monthly payment of $336. Income tax liabilities due over each period are shown. Contract: Flexible Annuity. Insurance Carrier: RiverSource Life Ins Company.
Flexible Annuity:RVS VP Balanced: $42,021 settlement on 1/31/1991. Initial payment of $211 on 1/31/1991. Average Monthly payment of $284. Income tax liabilities due over each period are shown. Contract: Flexible Annuity. Insurance Carrier: RiverSource Life Ins Company.
Copyright (C) 2008 by Thomson Financial Company. All Rights Reserved.01/10/2008 Page 18 of 23
- Illustration reflects M&E risk charges. Illustration does not reflect fees for optional benefits; if these benefits were selected, values illustrated would be lower.
- THE NUMBERS ABOVE REPRESENT PAST PERFORMANCE AND ARE NOT INDICATIVE OF FUTURE RESULTS.
- The investment return and principal value of your contract value invested in the Funds available under your variable annuity will fluctuate so that the surrender value of your variable annuity contract may be worth more or less than the amount you invest. Current performance may be lower or higher than the performance information shown. You may obtain performance information current to the most recent month-end by calling 1-800-862-7919.
____________________________________________________________________________________________________________________________________________________________________________
Annuity Payment Illustration
After-Tax Payments
Flexible Annuity:AllinGr&In B : $42,021 settlement on 1/31/1991. Initial payment of $176 on 1/31/1991. Average Monthly payment of $336. Income tax liabilities due over each period are shown. Contract: Flexible Annuity. Insurance Carrier: RiverSource Life Ins Company.
Flexible Annuity:RVS VP Balanced : $42,021 settlement on 1/31/1991. Initial payment of $211 on 1/31/1991. Average Monthly payment of $284. Income tax liabilities due over each period are shown. Contract: Flexible Annuity. Insurance Carrier: RiverSource Life Ins Company.
$11,000
$10,000
$9,000
$8,000
$7,000
$6,000
$5,000
$4,000
92 93 94 95 96 97 98 99 00 01 02 03 04 05 06 07
Portfolio Annuity Payments (First Period Cumulative Payment: $4,416; Average Monthly Payment: $622)
Copyright (C) 2008 by Thomson Financial Company. All Rights Reserved.01/10/2008 Page 19 of 23
- Illustration reflects M&E risk charges. Illustration does not reflect fees for optional benefits; if these benefits were selected, values illustrated would be lower.
- THE NUMBERS ABOVE REPRESENT PAST PERFORMANCE AND ARE NOT INDICATIVE OF FUTURE RESULTS.
- The investment return and principal value of your contract value invested in the Funds available under your variable annuity will fluctuate so that the surrender value of your variable annuity contract may be worth more or less than the amount you invest. Current performance may be lower or higher than the performance information shown. You may obtain performance information current to the most recent month-end by calling 1-800-862-7919.
____________________________________________________________________________________________________________________________________________________________________________
Annuity Payment Illustration
After-Tax Payments
Flexible Annuity:AllinGr&In B : $42,021 settlement on 1/31/1991. Initial payment of $176 on 1/31/1991. Average Monthly payment of $336. Income tax liabilities due over each period are shown. Contract: Flexible Annuity. Insurance Carrier: RiverSource Life Ins Company.
Flexible Annuity:RVS VP Balanced : $42,021 settlement on 1/31/1991. Initial payment of $211 on 1/31/1991. Average Monthly payment of $284. Income tax liabilities due over each period are shown. Contract: Flexible Annuity. Insurance Carrier: RiverSource Life Ins Company.
$22,500
$20,000
$17,500
$15,000
$12,500
$10,000
$7,500
$5,000
$2,500
$0
92 93 94 95 96 97 98 99 00 01 02 03 04 05 06 07
Flexible Annuity:RVS VP Balanced (First Payment (After-Tax): $4,416; Average Monthly Payment: $142)
Flexible Annuity:AllinGr&In B (First Payment (After-Tax): $4,416; Average Monthly Payment: $168)
Copyright (C) 2008 by Thomson Financial Company. All Rights Reserved.01/10/2008 Page 20 of 23
- Illustration reflects M&E risk charges. Illustration does not reflect fees for optional benefits; if these benefits were selected, values illustrated would be lower.
- THE NUMBERS ABOVE REPRESENT PAST PERFORMANCE AND ARE NOT INDICATIVE OF FUTURE RESULTS.
- The investment return and principal value of your contract value invested in the Funds available under your variable annuity will fluctuate so that the surrender value of your variable annuity contract may be worth more or less than the amount you invest. Current performance may be lower or higher than the performance information shown. You may obtain performance information current to the most recent month-end by calling 1-800-862-7919.
____________________________________________________________________________________________________________________________________________________________________________
Annuity Payment Illustration
After-Tax Payments
Flexible Annuity:AllinGr&In B : $42,021 settlement on 1/31/1991. Initial payment of $176 on 1/31/1991. Average Monthly payment of $336. Income tax liabilities due over each period are shown. Contract: Flexible Annuity. Insurance Carrier: RiverSource Life Ins Company.
Flexible Annuity:RVS VP Balanced : $42,021 settlement on 1/31/1991. Initial payment of $211 on 1/31/1991. Average Monthly payment of $284. Income tax liabilities due over each period are shown. Contract: Flexible Annuity. Insurance Carrier: RiverSource Life Ins Company.
$22,500
$20,000
$17,500
$15,000
$12,500
$10,000
$7,500
$5,000
$2,500
$0
12/31/1991 12/31/1994 12/31/1997 12/31/2000 12/31/2003 12/31/2006
Flexible Annuity:RVS VP Balanced (First Payment (After-Tax): $4,416; Average Monthly Payment: $142)
Flexible Annuity:AllinGr&In B (First Payment (After-Tax): $4,416; Average Monthly Payment: $168)
Copyright (C) 2008 by Thomson Financial Company. All Rights Reserved.01/10/2008 Page 21 of 23
- Illustration reflects M&E risk charges. Illustration does not reflect fees for optional benefits; if these benefits were selected, values illustrated would be lower.
- THE NUMBERS ABOVE REPRESENT PAST PERFORMANCE AND ARE NOT INDICATIVE OF FUTURE RESULTS.
- The investment return and principal value of your contract value invested in the Funds available under your variable annuity will fluctuate so that the surrender value of your variable annuity contract may be worth more or less than the amount you invest. Current performance may be lower or higher than the performance information shown. You may obtain performance information current to the most recent month-end by calling 1-800-862-7919.
____________________________________________________________________________________________________________________________________________________________________________
Annuity Payment Illustration
After-Tax Payments As of: 12/31/1991 (First Annuity Period Payment = $4,416)
Flexible Annuity:AllinGr&In B : $42,021 settlement on 1/31/1991. Initial payment of $176 on 1/31/1991. Average Monthly payment of $336. Income tax liabilities due over each period are shown. Contract: Flexible Annuity. Insurance Carrier: RiverSource Life Ins Company.
Flexible Annuity:RVS VP Balanced : $42,021 settlement on 1/31/1991. Initial payment of $211 on 1/31/1991. Average Monthly payment of $284. Income tax liabilities due over each period are shown. Contract: Flexible Annuity. Insurance Carrier: RiverSource Life Ins Company.
50.0% 50.0%
Flexible Annuity:RVS VP Balanced (First Payment (After-Tax): $4,416)
Flexible Annuity:AllinGr&In B (First Payment (After-Tax): $4,416)
Copyright (C) 2008 by Thomson Financial Company. All Rights Reserved.01/10/2008 Page 22 of 23
- Illustration reflects M&E risk charges. Illustration does not reflect fees for optional benefits; if these benefits were selected, values illustrated would be lower.
- THE NUMBERS ABOVE REPRESENT PAST PERFORMANCE AND ARE NOT INDICATIVE OF FUTURE RESULTS.
- The investment return and principal value of your contract value invested in the Funds available under your variable annuity will fluctuate so that the surrender value of your variable annuity contract may be worth more or less than the amount you invest. Current performance may be lower or higher than the performance information shown. You may obtain performance information current to the most recent month-end by calling 1-800-862-7919.
____________________________________________________________________________________________________________________________________________________________________________
Annuity Payment Illustration
After-Tax Payments As of: 12/31/2007 (Average Monthly Annuity Payment = $622)
Flexible Annuity:AllinGr&In B : $42,021 settlement on 1/31/1991. Initial payment of $176 on 1/31/1991. Average Monthly payment of $336. Income tax liabilities due over each period are shown. Contract: Flexible Annuity. Insurance Carrier: RiverSource Life Ins Company.
Flexible Annuity:RVS VP Balanced : $42,021 settlement on 1/31/1991. Initial payment of $211 on 1/31/1991. Average Monthly payment of $284. Income tax liabilities due over each period are shown. Contract: Flexible Annuity. Insurance Carrier: RiverSource Life Ins Company.
45.8%
54.2%
Flexible Annuity:RVS VP Balanced (Average Payment (After-Tax): $142)
Flexible Annuity:AllinGr&In B (Average Payment (After-Tax): $168)
Copyright (C) 2008 by Thomson Financial Company. All Rights Reserved.01/10/2008 Page 23 of 23
- Illustration reflects M&E risk charges. Illustration does not reflect fees for optional benefits; if these benefits were selected, values illustrated would be lower.
- THE NUMBERS ABOVE REPRESENT PAST PERFORMANCE AND ARE NOT INDICATIVE OF FUTURE RESULTS.
- The investment return and principal value of your contract value invested in the Funds available under your variable annuity will fluctuate so that the surrender value of your variable annuity contract may be worth more or less than the amount you invest. Current performance may be lower or higher than the performance information shown. You may obtain performance information current to the most recent month-end by calling 1-800-862-7919.
____________________________________________________________________________________________________________________________________________________________________________
Annuity Payment Illustration
Flexible Annuity:RVS VP Balanced
Single Life Non Refund
Assumed InvestmentReturn
PaymentFrequency Annuitant State
3.5% Monthly Male, 65 MD
InitialPayment
AnnualTax
Exclusion QualificationSettlementAmount
SettlementDate
$178 $1,000.00 Non-Qualified $42,021 1/31/1991
Pre-Tax Pre-Tax Cumulative
Annuity Annuity Units Annuity Payment Pre-Tax
Period End Payments Guaranteed Unit Value Incr/Decr Payments
12/31/1991 2,881 174 1.53 0.00% 2,881
12/31/1992 3,150 174 1.58 9.32% 6,031
12/31/1993 3,430 174 1.69 8.88% 9,461
12/31/1994 3,362 174 1.55 -1.97% 12,824
12/31/1995 3,572 174 1.84 6.24% 16,396
12/31/1996 3,994 174 2.06 11.81% 20,390
12/31/1997 4,657 174 2.35 16.60% 25,047
12/31/1998 5,127 174 2.60 10.09% 30,173
12/31/1999 5,564 174 2.86 8.54% 35,738
12/31/2000 5,876 174 2.67 5.60% 41,614
12/31/2001 4,973 174 2.29 -15.38% 46,586
12/31/2002 4,255 174 1.90 -14.43% 50,841
12/31/2003 4,190 174 2.19 -1.53% 55,031
12/31/2004 4,589 174 2.30 9.52% 59,620
12/31/2005 4,732 174 2.28 3.12% 64,352
12/31/2006 4,931 174 2.50 4.20% 69,283
12/31/2007 5,231 174 2.43 6.09% 74,515
Total Annuity Payments: $74,515
Flexible Annuity:RVS VP Balanced: $42,021 settlement on 1/31/1991. Initial payment of $211 on 1/31/1991. Average Monthly payment of $284. Income tax liabilities due over each period are shown. Contract: Flexible Annuity. Insurance Carrier: RiverSource Life Ins Company.
1