RiverSource Structured Solutions 2 Annuity 3-Year: Rates & Review

The RiverSource Structured Solutions annuity is an individual limited flexible purchase payment deferred indexed-linked annuity contract with fixed and index-linked investment options.

Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Name	Type	Rates
1-Year S&P 500 Dual Directional Participation Rate with Cap 20% Buffer	Dual Directional Annual	100% Participation 6.75% Cap
1-Year Lesser of (S&P 500, Russell 2000) Dual Directional Participation Rate with Cap 10% Buffer	Dual Directional Annual	100% Participation 27.25% Cap
1-Year Lesser of (S&P 500, Russell 2000) Dual Directional Participation Rate with Cap 15% Buffer	Dual Directional Annual	100% Participation 14.5% Cap
1-Year Lesser of (S&P 500, Russell 2000) Dual Directional Participation Rate with Cap 20% Buffer	Dual Directional Annual	100% Participation 9.25% Cap
1-Year S&P 500 Dual Directional Participation Rate with Cap 15% Buffer	Dual Directional Annual	100% Participation 9% Cap
1-Year S&P 500 Dual Directional Participation Rate with Cap 10% Buffer	Dual Directional Annual	100% Participation 12% Cap
3-Year Lesser of (S&P 500, Russell 2000) Dual Directional Participation Rate with Cap 25% Buffer	Dual Directional Triennial	100% Participation 38% Cap
3-Year Lesser of (S&P 500, Russell 2000) Dual Directional Participation Rate with Cap 20% Buffer	Dual Directional Triennial	100% Participation 49% Cap
3-Year Lesser of (S&P 500, Russell 2000) Dual Directional Participation Rate with Cap 15% Buffer	Dual Directional Triennial	100% Participation 300% Cap
3-Year Lesser of (S&P 500, Russell 2000) Dual Directional Participation Rate with Cap 10% Buffer	Dual Directional Triennial	109% Participation
3-Year S&P 500 Dual Directional Participation Rate with Cap 25% Buffer	Dual Directional Triennial	100% Participation 27% Cap
3-Year S&P 500 Dual Directional Participation Rate with Cap 20% Buffer	Dual Directional Triennial	100% Participation 30% Cap
3-Year S&P 500 Dual Directional Participation Rate with Cap 15% Buffer	Dual Directional Triennial	100% Participation 36% Cap
3-Year S&P 500 Dual Directional Participation Rate with Cap 10% Buffer	Dual Directional Triennial	100% Participation 41% Cap
1-Year S&P 500 Contingent Yield with 30% Trigger rate	Contingent Yield with Trigger Rate Annual	7.5% Performance triggered
1-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 30% Trigger rate	Contingent Yield with Trigger Rate Annual	8.75% Performance triggered
2-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 20% Buffer	Contingent Yield Biennial	15.8% Performance triggered
1-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 20% Buffer	Contingent Yield Annual	7.75% Performance triggered
1-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 15% Buffer	Contingent Yield Annual	9.2% Performance triggered
1-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 10% Buffer	Contingent Yield Annual	11.25% Performance triggered
1-Year S&P 500 Contingent Yield with 20% Buffer	Contingent Yield Annual	6.45% Performance triggered
1-Year S&P 500 Contingent Yield with 15% Buffer	Contingent Yield Annual	7.4% Performance triggered
1-Year S&P 500 Contingent Yield with 10% Buffer	Contingent Yield Annual	8.6% Performance triggered
2-Year S&P 500 Contingent Yield with 10% Buffer	Contingent Yield Biennial	16.35% Performance triggered
2-Year S&P 500 Contingent Yield with 15% Buffer	Contingent Yield Biennial	14.7% Performance triggered
2-Year S&P 500 Contingent Yield with 20% Buffer	Contingent Yield Biennial	13.3% Performance triggered
2-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 10% Buffer	Contingent Yield Biennial	20.7% Performance triggered
3-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 20% Buffer	Contingent Yield Triennial	24.1% Performance triggered
3-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 15% Buffer	Contingent Yield Triennial	26.85% Performance triggered
3-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 10% Buffer	Contingent Yield Triennial	30.15% Performance triggered
3-Year S&P 500 Contingent Yield with 20% Buffer	Contingent Yield Triennial	20.55% Performance triggered
3-Year S&P 500 Contingent Yield with 15% Buffer	Contingent Yield Triennial	22.3% Performance triggered
3-Year S&P 500 Contingent Yield with 10% Buffer	Contingent Yield Triennial	24.4% Performance triggered
2-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 15% Buffer	Contingent Yield Biennial	17.95% Performance triggered
3-Year S&P 500 Annual Lock Cap 10% Buffer	Annual Lock Triennial	12% Cap
3-Year Nasdaq-100 PTP Participation Rate with Cap 15% Buffer Annual Fee	Point to Point Triennial	100% Participation 62% Cap
1-Year S&P 500 PTP Participation Rate with Cap 10% Buffer Annual Fee	Point to Point Annual	100% Participation 29% Cap
3-Year MSCI EAFE PTP Participation Rate with Cap 10% Buffer	Point to Point Triennial	105% Participation
1-Year Lesser of (S&P 500, Russell 2000) PTP Participation Rate with Cap 15% Buffer	Point to Point Annual	100% Participation 22.75% Cap
1-Year S&P 500 PTP Participation Rate with Cap 20% Buffer	Point to Point Annual	100% Participation 10.5% Cap
3-Year Russell 2000 PTP Participation Rate with Cap 15% Buffer Annual Fee	Point to Point Triennial	100% Participation 81% Cap
1-Year S&P 500 PTP Participation Rate with Cap 10% Buffer	Point to Point Annual	100% Participation 14.5% Cap
1-Year Russell 2000 PTP Participation Rate with Cap 10% Buffer	Point to Point Annual	100% Participation 20% Cap
1-Year MSCI EAFE PTP Participation Rate with Cap 10% Buffer	Point to Point Annual	100% Participation 17.5% Cap
1-Year MSCI Emerging Markets PTP Participation Rate with Cap 10% Buffer	Point to Point Annual	100% Participation 27.5% Cap
1-Year Nasdaq-100 PTP Participation Rate with Cap 10% Buffer	Point to Point Annual	100% Participation 19.25% Cap
1-Year iShares U.S. Real Estate ETF PTP Participation Rate with Cap 10% Buffer	Point to Point Annual	100% Participation 29% Cap
3-Year S&P 500 PTP Participation Rate with Cap 10% Buffer	Point to Point Triennial	100% Participation 43% Cap
3-Year Russell 2000 PTP Participation Rate with Cap 10% Buffer	Point to Point Triennial	100% Participation 59% Cap
3-Year Nasdaq-100 PTP Participation Rate with Cap 20% Buffer	Point to Point Triennial	100% Participation 41% Cap
3-Year S&P 500 PTP Participation Rate with Cap 15% Buffer	Point to Point Triennial	100% Participation 38% Cap
3-Year Russell 2000 PTP Participation Rate with Cap 15% Buffer	Point to Point Triennial	100% Participation 50% Cap
3-Year MSCI EAFE PTP Participation Rate with Cap 15% Buffer	Point to Point Triennial	100% Participation 65% Cap
3-Year S&P 500 PTP Participation Rate with Cap 15% Buffer Annual Fee	Point to Point Triennial	100% Participation 59% Cap
3-Year S&P 500 PTP Participation Rate with Cap 20% Buffer	Point to Point Triennial	100% Participation 34% Cap
1-Year S&P 500 PTP Participation Rate with Cap 25% Buffer	Point to Point Annual	100% Participation 9.25% Cap
1-Year S&P 500 PTP Participation Rate with Cap 100% Buffer	Point to Point Annual	100% Participation 6.75% Cap
3-Year Russell 2000 PTP Participation Rate with Cap 20% Buffer	Point to Point Triennial	100% Participation 44% Cap
3-Year MSCI EAFE PTP Participation Rate with Cap 20% Buffer	Point to Point Triennial	100% Participation 48% Cap
3-Year Nasdaq-100 PTP Participation Rate with Cap 10% Buffer	Point to Point Triennial	100% Participation 51% Cap
3-Year Nasdaq-100 PTP Participation Rate with Cap 15% Buffer	Point to Point Triennial	100% Participation 46% Cap
3-Year S&P 500 Dual Directional Participation Rate with Cap 25% Buffer Annual Fee	Dual Directional Triennial	100% Participation 36% Cap
3-Year S&P 500 Dual Directional Participation Rate with Cap 20% Buffer Annual Fee	Dual Directional Triennial	100% Participation 42% Cap
3-Year S&P 500 Dual Directional Participation Rate with Cap 15% Buffer Annual Fee	Dual Directional Triennial	100% Participation 51% Cap
3-Year S&P 500 Dual Directional Participation Rate with Cap 10% Buffer Annual Fee	Dual Directional Triennial	100% Participation 71% Cap
1-Year S&P 500 Dual Directional Participation Rate with Cap 20% Buffer Annual Fee	Dual Directional Annual	100% Participation 11.25% Cap
1-Year S&P 500 Dual Directional Participation Rate with Cap 15% Buffer Annual Fee	Dual Directional Annual	100% Participation 14.75% Cap
1-Year S&P 500 Dual Directional Participation Rate with Cap 10% Buffer Annual Fee	Dual Directional Annual	100% Participation 20% Cap
1-Year Lesser of (S&P 500, Russell 2000) PTP Participation Rate with Cap 25% Buffer	Point to Point Annual	100% Participation 13.5% Cap
1-Year Russell 2000 PTP Participation Rate with Cap 10% Buffer Annual Fee	Point to Point Annual	100% Participation 36.75% Cap
1-Year Nasdaq-100 PTP Participation Rate with Cap 10% Buffer Annual Fee	Point to Point Annual	100% Participation 29.5% Cap
1-Year S&P 500 PTP Participation Rate with Cap 15% Buffer Annual Fee	Point to Point Annual	100% Participation 20.25% Cap
1-Year S&P 500 PTP Participation Rate with Cap 15% Buffer	Point to Point Annual	100% Participation 12.25% Cap
1-Year Lesser of (S&P 500, Russell 2000) PTP Participation Rate with Cap 20% Buffer	Point to Point Annual	100% Participation 16.75% Cap
1-Year Lesser of (S&P 500, Russell 2000) PTP Participation Rate with Cap 100% Buffer	Point to Point Annual	100% Participation 8.25% Cap
1-Year S&P 500 PTP Participation Rate with Cap 20% Buffer Annual Fee	Point to Point Annual	100% Participation 17% Cap
1-Year S&P 500 PTP Participation Rate with Cap 25% Buffer Annual Fee	Point to Point Annual	100% Participation 15% Cap
3-Year S&P 500 PTP Participation Rate with Cap 100% Buffer	Point to Point Triennial	100% Participation 22% Cap
3-Year Lesser of (S&P 500, Russell 2000) PTP Participation Rate with Cap 10% Buffer	Point to Point Triennial	112% Participation
3-Year Lesser of (S&P 500, Russell 2000) PTP Participation Rate with Cap 100% Buffer	Point to Point Triennial	100% Participation 28% Cap
3-Year Lesser of (S&P 500, Russell 2000) PTP Participation Rate with Cap 15% Buffer	Point to Point Triennial	104% Participation
3-Year Lesser of (S&P 500, Russell 2000) PTP Participation Rate with Cap 20% Buffer	Point to Point Triennial	100% Participation 74% Cap
3-Year Nasdaq-100 PTP Participation Rate with Cap 10% Buffer Annual Fee	Point to Point Triennial	100% Participation 71% Cap
3-Year Russell 2000 PTP Participation Rate with Cap 10% Buffer Annual Fee	Point to Point Triennial	100% Participation 300% Cap
3-Year S&P 500 PTP Participation Rate with Cap 10% Buffer Annual Fee	Point to Point Triennial	100% Participation 110% Cap
1-Year Lesser of (S&P 500, Russell 2000) PTP Participation Rate with Cap 10% Buffer	Point to Point Annual	106% Participation
3-Year S&P 500 PTP Participation Rate with Cap 20% Buffer Annual Fee	Point to Point Triennial	100% Participation 50% Cap
3-Year Russell 2000 PTP Participation Rate with Cap 20% Buffer Annual Fee	Point to Point Triennial	100% Participation 65% Cap
3-Year Nasdaq-100 PTP Participation Rate with Cap 20% Buffer Annual Fee	Point to Point Triennial	100% Participation 55% Cap

Year	1	2	3
Penalty	9%	8%	8%

Name	Inbuilt	Fee
Death Benefit Rider (ages 81+)	Yes	0.60% annually
MAV Death Benefit Rider	Yes	0.30% annually

Premium Notes

Purchase Payments
Purchase payment limits are based on Your age on the effective date of the payment.
Minimum initial purchase payment:

Non-Qualified: $10,000
Qualified: $10,000 (not available for 401(a), 403(b), simple IRAs and 501c(3))

Maximum total purchase payments per owner is $3,000,000 ($1,000,000 for ages 76 to 90).

Additional purchase payments

Additional purchase payments can be made for 90 days after the date the contract is issued. The additional payments are held in the interim account earning daily fixed interest until your next contract anniversary. At that time, the funds will be allocated based on your rebalancing or transfer instructions. If you do not provide instructions, the money will be automatically transferred to the fixed account.
Minimum additional purchase payment $50

Withdrawal Provisions

Withdrawal privilegesDuring the first contract year, you have access to the greater of 10% of your purchase payments or earnings without surrender charges. In subsequent years, you have access to the greater of 10% of your prior year contract anniversary value or earnings without surrender charges.Market Value AdjustmentA positive or negative adjustment that applies to withdrawals during the surrender charge period. This includes required minimum distributions, “free amount” withdrawals, annuitizations, and amounts paid to the owner if you become terminally ill or are confined to a hospital or nursing home. The market value adjustment does not apply to withdrawals from the interim account or Income Choice monthly income. The adjustment amount is based on the change in the Bloomberg US Agg Credit index - Yield To Worst rate since the contract was issued. After the surrender charge period ends, no market value adjustments will be applied.

RiverSource Structured Solutions 2 Annuity 3-Year