|
Pre-Effective Amendment No. |
[] |
|
Post-Effective Amendment No. 32 (File No.033-62407)
|
[X] |
|
Amendment No. 205 (File No. 811-07355) |
[X] |
[] |
immediately upon filing pursuant to paragraph (b) of Rule 485 |
[X] |
on May 1, 2024 pursuant to paragraph (b) of Rule 485 |
[] |
60 days after filing pursuant to paragraph (a)(1) of Rule 485 |
[] |
on [date] pursuant to paragraph (a)(1) of Rule 485 |
[] |
This post-effective amendment designates a new effective date for a previously filed post-effective amendment. |
Issued by: |
RiverSource Life Insurance Company (RiverSource Life) |
|
70100 Ameriprise Financial Center Minneapolis, MN 55474 Telephone: 1-800-862-7919 (Service Center) ameriprise.com/variableannuities RiverSource Variable Account 10 |
3
| |
5 | |
7
| |
8 | |
8
| |
8 | |
8
| |
10 | |
11
| |
14 | |
14
| |
14 | |
15
| |
15 | |
15
| |
16 | |
16
| |
16 | |
16
| |
16 | |
18
| |
18 | |
18
| |
18 | |
18
| |
18 | |
19
| |
19 | |
19
| |
20 | |
20
| |
20 | |
23
| |
24 | |
24
| |
24 | |
25
| |
25 | |
26
| |
26 | |
26
| |
27 |
27
| |
28 | |
29
| |
29 | |
30
| |
31 | |
31
| |
33 | |
35
| |
35 | |
35
| |
36 | |
36
| |
37 | |
37
| |
39 | |
40
|
|
FEES AND EXPENSES
|
Location in
Statutory
Prospectus | ||
Charges for Early
Withdrawals |
If you withdraw money during the first 8 years from the contract date, you
may be assessed a surrender charge of up to 7% of the purchase payment
withdrawn.
For example, if you make an early withdrawal, you could pay a surrender
charge of up to $7,000 on a $100,000 investment.
|
Fee Table and
Examples
Charges–
Surrender Charge | ||
Transaction
Charges |
We do not assess any transaction charges. |
| ||
Ongoing Fees and
Expenses (annual
charges) |
The table below describes the current fees and expenses that you may pay
each year, depending on the options you choose. Please refer to
your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected. |
Fee Table and
Examples
Expenses –
Product Charges
Appendix: Funds
Available Under
the Contract | ||
Annual Fee |
Minimum |
Maximum | ||
Base Contract(1) |
1.29% |
1.29% | ||
Fund options
(Funds fees and expenses)(2) |
0.55%
|
1.38%
| ||
Optional benefits available for an
additional charge |
N/A |
N/A | ||
(1) As a percentage of average daily contract value in the variable account. Includes the
Mortality and Expense Fee and contract administrative charge.
(2) As a percentage of Fund net assets.
Because your Contract is customizable, the choices you make affect how
much you will pay. To help you understand the cost of owning your Contract,
the following table shows the lowest and highest cost you could pay each
year, based on current charges. This estimate assumes that you do
not take withdrawals from the Contract, which could add surrender charges that substantially increase costs. | ||||
Lowest Annual Cost:
$1,625
|
Highest Annual Cost:
$2,290
| |||
Assumes:
•Investment of $100,000 •5% annual appreciation
•Least expensive combination of Fund fees and expenses •No sales charge
•No additional purchase payments, transfers or withdrawals |
Assumes:
•Investment of $100,000 •5% annual appreciation
•Most expensive combination of Fund fees and expenses •No additional purchase payments,
transfers or withdrawals
•No sales charge | |||
|
RISKS |
| ||
Risk of Loss |
You can lose money by investing in this Contract including loss of principal. |
Principal Risks | ||
Not a Short-Term
Investment |
•The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. •The Contract has surrender charges which may reduce the value of your
Contract if you withdraw money during the surrender charge period. •The benefits of tax deferral and long-term income mean the contract is
generally more beneficial to investors with a long term investment
horizon. |
Principal Risks
Charges–
Surrender Charge |
|
RISKS |
Location in
Statutory
Prospectus | ||
Risks Associated
with Investment
Options |
•An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the investment options available under the Contract. •Each investment option, including any fixed account investment options,
has its own unique risks.
•You should review the investment options before making any investment decisions. |
Principal Risks
The Variable Account and the
Funds
The Fixed Account | ||
Insurance
Company Risks |
An investment in the Contract is subject to the risks related to us. Any
obligations (including under the Fixed Account) or guarantees and benefits
of the Contract that exceed the assets of the Separate Account are subject
to our claims-paying ability. If we experience financial distress, we may not
be able to meet our obligations to you. More information about
RiverSource Life, including our financial strength ratings, is available by contacting us at
1-800-862-7919. |
Principal Risks
The General
Account | ||
|
RESTRICTIONS |
| ||
Investments |
•Subject to certain restrictions, you may transfer your Contract value among the subaccounts without charge at any time before the retirement date, and once per contract year after the retirement date.
•The Fixed Account is subject to certain restrictions. •We reserve the right to modify, restrict or suspend your transfer
privileges if we determine that your transfer activity
constitutes market timing.
•We reserve the right to add, remove or substitute funds as investment options. We also reserve the right, upon notification to you, to close or
restrict any funds. |
Making the Most
of Your Contract –
Transferring
Among Accounts
Substitution of
Investments | ||
Optional Benefits |
•No optional benefits are offered under this Contract. |
| ||
|
TAXES |
| ||
Tax Implications |
•Consult with a tax advisor to determine the tax implications of an investment in and payments and withdrawals received under this Contract. •If you purchase the Contract through a tax-qualified plan or
individual retirement account, you do not get any additional tax
benefit. •Earnings under your Contract are taxed at ordinary income tax rates generally when withdrawn. You may have to pay a tax penalty if you take
a withdrawal before age 59½. |
Taxes | ||
|
CONFLICTS OF INTEREST
|
| ||
Investment
Professional
Compensation |
Your investment professional may receive compensation for selling this
Contract to you, in the form of commissions, additional cash benefits (e.g., bonuses), and non-cash compensation. This financial incentive may influence your investment professional to recommend this Contract over another investment for which the investment professional is not compensated or compensated less. |
About the Service
Providers | ||
Exchanges |
If you already own an annuity or insurance Contract, some investment
professionals may have a financial incentive to offer you a new Contract in
place of the one you own. You should only exchange a Contract you already
own if you determine, after comparing the features, fees, and risks of both
Contracts, that it is better for you to purchase the new Contract rather than continue to own your existing Contract. |
Buying Your
Contract – Contract
Exchanges |
Surrender charges (as a percentage of purchase payments
surrendered) |
|
Maximum |
7 % |
Contract year |
Surrender charge percentage |
1-3 |
7 % |
4 |
6 |
5 |
5 |
6 |
4 |
7 |
3 |
8 |
2 |
Thereafter |
0 |
Contract Administrative charge |
$30 |
Mortality and expense risk fee |
1.25 % |
Total Annual Fund Expenses |
Minimum(%) |
Maximum(%) |
(expenses deducted from the Fund assets, including management fees, distribution and/or service
(12b-1) fees and other expenses) |
0.55 |
1.38 |
If you surrender your contract at the end of the applicable time period: |
If you do not surrender your contract or if you select an annuity payout plan at the end of the applicable time period: | ||||||
1 year |
3 years |
5 years |
10 years |
1 year |
3 years |
5 years |
10 years |
$9,726 |
$15,305 |
$19,144 |
$29,962 |
$2,696 |
$8,275 |
$14,114 |
$29,932 |
If you surrender your contract at the end of the applicable time period: |
If you do not surrender your contract or if you select an annuity payout plan at the end of the applicable time period: | ||||||
1 year |
3 years |
5 years |
10 years |
1 year |
3 years |
5 years |
10 years |
$8,875 |
$12,741 |
$14,856 |
$21,332 |
$1,845 |
$5,711 |
$9,826 |
$21,302 |
Contract year |
Surrender charge as a percentage of purchase payments surrendered |
1-3 |
7 % |
4 |
6 |
5 |
5 |
6 |
4 |
7 |
3 |
8 |
2 |
Thereafter |
0 |
Amount requested |
or |
$1,000 |
= |
$1,075.27 |
1.00 – withdrawal charge |
.93 |
Number of Completed Years Since Annuitization |
Surrender charge percentage |
0 |
Not applicable* |
1 |
5% |
2 |
4 |
3 |
3 |
4 |
2 |
5 |
1 |
6 and thereafter |
0 |
By investing an equal number of dollars each month |
|
Month |
Amount invested |
Accumulation unit value |
Number of units purchased |
|
|
Jan |
$100 |
$20 |
5.00 |
|
|
Feb |
100 |
18 |
5.56 |
you automatically buy
more units when the
per unit market price is low |
|
Mar |
100 |
17 |
5.88 |
→ |
Apr |
100 |
15 |
6.67 | |
|
|
May |
100 |
16 |
6.25 |
|
|
Jun |
100 |
18 |
5.56 |
|
|
Jul |
100 |
17 |
5.88 |
and fewer units
when the per unit
market price is high. |
|
Aug |
100 |
19 |
5.26 |
→ |
Sept |
100 |
21 |
4.76 | |
|
|
Oct |
100 |
20 |
5.00 |
Minimum amount |
|
Transfers or surrenders: |
$250 or entire account balance |
Maximum amount |
|
Transfers or surrenders: |
Contract value or entire account balance |
Minimum amount |
|
Transfers or surrenders: |
$50 |
Maximum amount |
|
Transfers or surrenders: |
None |
Minimum amount |
|
Transfers or Surrenders: |
$250 or entire account balance |
Maximum amount |
|
Transfers: |
Contract value or entire account balance |
Surrenders: |
$100,000 |
Name of Benefit |
Purpose |
Maximum Fee |
Current Fee |
Brief Description of
Restrictions/ Limitations |
Dollar Cost
Averaging |
Allows the systematic transfer
of a specified dollar amount
among the subaccounts or
from the fixed account to one
or more eligible subaccounts |
No charge |
N/A |
•Automated transfers from the fixed account to the subaccounts may not exceed an amount that, if continued, would deplete the fixed account within 12 months |
Automated
Partial
Surrenders/
Systematic
Withdrawals |
Allows automated partial
surrenders from the contract |
No charge |
N/A |
•Additional systematic payments are not allowed with automated partial surrenders •May result in income taxes
on all or a portion of
amounts surrendered |
Death Benefit (if
death occurs
before the
annuitant’s 75th
birthday) |
Provides a guaranteed death
benefit equal to the greatest
of the Contract Value,Contract Value as of the most recent
sixth contract anniversary
minus any surrenders, or
purchase payments minus any
surrenders |
No charge |
N/A |
•For Contracts issued in Texas, provides a death
benefit equal to the greater
of the purchase payments
minus any surrenders, or
Contract Value
•Annuitizing the Contract terminates the benefit |
Death Benefit (if
death occurs on
or after the
annuitant’s 75th
birthday) |
Provides a death benefit equal
to the greater of the Contract Value, or Contract Value as of
the most recent sixth contract
anniversary minus any
surrenders |
No charge |
N/A |
•For Contracts issued in
Texas, provides a death benefit equal to the Contract
Value
•Annuitizing the Contract terminates the benefit |
Investment Objective |
Fund and
Adviser/Sub-Adviser |
Current Expenses
Ratio
[NET] |
Average Annual Total Returns
(as of 12/31/2023) | ||
1 Year |
5 Year |
10 Year | |||
Seeks maximum total
investment return
through a combination
of capital growth and
current income. |
Columbia Variable Portfolio - Balanced Fund
(Class 3)
Columbia Management Investment Advisers,
LLC |
0.89% |
21.23% |
10.83% |
7.94% |
Seeks to provide
shareholders with
capital appreciation. |
Columbia Variable Portfolio - Disciplined
Core Fund (Class 3)
Columbia Management Investment Advisers,
LLC |
0.81% |
24.21% |
13.69% |
11.02% |
Seeks to provide
shareholders with a high
level of current income
and, as a secondary
objective, steady growth
of capital. |
Columbia Variable Portfolio - Dividend
Opportunity Fund (Class 3)
Columbia Management Investment Advisers,
LLC |
0.87%1 |
4.95% |
10.34% |
7.87% |
Seeks to provide
shareholders with
long-term capital growth. |
Columbia Variable Portfolio - Emerging
Markets Fund (Class 3)
Columbia Management Investment Advisers,
LLC |
1.22%1 |
9.31% |
3.54% |
2.51% |
Seeks to provide
shareholders with high
total return through
income and growth of
capital. |
Columbia Variable Portfolio - Global Strategic
Income Fund (Class 3)
Columbia Management Investment Advisers,
LLC |
0.72%1 |
9.81% |
2.18% |
0.42% |
Seeks to provide
shareholders with
maximum current
income consistent with
liquidity and stability of
principal. |
Columbia Variable Portfolio - Government
Money Market Fund (Class 3)
Columbia Management Investment Advisers,
LLC |
0.49%1 |
4.61% |
1.56% |
0.95% |
Seeks to provide
shareholders with high
current income as its
primary objective and,
as its secondary
objective, capital
growth. |
Columbia Variable Portfolio - High Yield Bond
Fund (Class 3)
Columbia Management Investment Advisers,
LLC |
0.77%1 |
12.08% |
5.47% |
4.32% |
Investment Objective |
Fund and
Adviser/Sub-Adviser |
Current
Expenses
Ratio
[NET] |
Average Annual Total Returns
(as of 12/31/2023) | ||
1 Year |
5 Year |
10 Year | |||
Seeks to provide
shareholders with a high
level of current income
while attempting to
conserve the value of
the investment for the
longest period of time. |
Columbia Variable Portfolio - Intermediate
Bond Fund (Class 3)
Columbia Management Investment Advisers,
LLC |
0.64% |
6.19% |
1.47% |
2.12% |
Seeks to provide
shareholders with
capital appreciation. |
Columbia Variable Portfolio - Overseas Core
Fund (Class 3)
Columbia Management Investment Advisers,
LLC |
0.92% |
15.47% |
8.09% |
3.51% |
Seeks to provide
shareholders with
growth of capital. |
Columbia Variable Portfolio - Select Mid Cap
Growth Fund (Class 3)
Columbia Management Investment Advisers,
LLC |
0.95%1 |
25.08% |
12.93% |
9.51% |
Seeks long-term growth
of capital. |
Invesco V.I. Core Equity Fund, Series I
Shares
Invesco Advisers, Inc. |
0.80% |
23.36% |
12.95% |
7.79% |
Seeks long-term capital
appreciation. |
Putnam VT Sustainable Leaders Fund -
Class IA Shares
Putnam Investment Management, LLC,
investment advisor. Though the investment
advisor has retained the services of Putnam
Investments Limited (PIL), PIL does not
currently manage any assets. |
0.65% |
26.42% |
16.38% |
12.87% |
(a) |
(i) |
|
|
(ii) |
|
(b) |
|
Not applicable. |
(c) |
|
|
(d) |
(i) |
|
|
(ii) |
|
|
(iii) |
|
|
(iv) |
|
(e) |
(i) |
|
|
(ii) |
|
(f) |
(i) |
Certificate of Incorporation of IDS Life dated July 24, 1957,
filed electronically as Exhibit 6.1 to Registrant's Initial Registration Statement No. 33-62407 is incorporated herein by reference. |
|
(ii) |
Copy of Certificate of Amendment of Certificate of Incorporation of IDS Life Insurance Company dated June 22, 2006, filed electronically as Exhibit 27(f)(1) to Post-Effective Amendment No. 28 to Registration Statement No. 333-69777 is
incorporated by reference. |
|
(iii) |
Copy of Amended and Restated By-Laws of RiverSource Life Insurance Company filed electronically as Exhibit 27(f)(2) to Post-Effective Amendment No. 28 to Registration Statement No. 333-69777 is incorporated by reference. |
(g) |
|
Not applicable. |
(h) |
(i) |
|
|
(ii) |
|
|
(iii) |
|
|
(iv) |
|
(i) |
|
Not Applicable. |
(j) |
|
Not applicable. |
(k) |
|
|
(l) |
|
|
(m) |
|
None |
(n) |
|
Not applicable. |
(o) |
|
Not applicable. |
(p) |
|
Name |
Principal Business Address*
|
Position and
Offices With Depositor |
Gumer C. Alvero |
|
Chairman of the Board and President
|
Michael J. Pelzel |
|
Senior Vice President – Corporate Tax |
Stephen P. Blaske |
|
Director, Senior Vice President and Chief Actuary |
Shweta Jhanji |
|
Senior Vice President and Treasurer |
Gene R. Tannuzzo |
|
Director |
Sherman, Kara D. |
|
Director |
Stephen R. Wolfrath |
|
Director, Vice President – Insurance and Annuities Product Development and Management |
John R. Hutt |
|
Director |
Brian E. Hartert |
|
Chief Financial Officer |
Paula J. Minella |
|
Secretary |
Gregg L. Ewing |
|
Vice President and Controller |
Parent Company /Subsidiary Name |
Jurisdiction |
Ameriprise Financial, Inc.* |
Delaware |
Ameriprise Advisor Capital, LLC |
Delaware |
Ameriprise Advisor Financing 2, LLC |
Delaware |
Ameriprise Asset Management Holdings Singapore (Pte.) Ltd. |
Singapore |
Ameriprise Asset Management Holdings Hong Kong Limited |
Hong Kong |
Threadneedle Portfolio Services Hong Kong Limited |
Hong Kong |
Columbia Threadneedle Investments Japan Co., Ltd. |
Japan |
Columbia Threadneedle Malaysia Sdn Bhd. |
Malaysia |
Threadneedle Investments Singapore (Pte.) Ltd. |
Singapore |
Parent Company /Subsidiary Name |
Jurisdiction |
Ameriprise Bank, FSB |
Federal |
Ameriprise Capital Trust I |
Delaware |
Ameriprise Capital Trust II |
Delaware |
Ameriprise Capital Trust III |
Delaware |
Ameriprise Capital Trust IV |
Delaware |
Ameriprise Captive Insurance Company |
Vermont |
Ameriprise Certificate Company |
Delaware |
Investors Syndicate Development Corporation |
Nevada |
Ameriprise Holdings, Inc. |
Delaware |
Ameriprise India LLP1
|
India |
Ameriprise India Partner, LLC |
Delaware |
Ameriprise Trust Company |
Minnesota |
AMPF Holding, LLC |
Michigan |
American Enterprise Investment Services Inc.2 |
Minnesota |
Ameriprise Financial Services,
LLC2 |
Delaware |
AMPF Property Corporation |
Michigan |
Investment Professionals,
Inc.2 |
Texas |
Columbia Management Investment Advisers, LLC |
Minnesota |
Advisory Capital Strategies Group Inc. |
Minnesota |
Columbia Wanger Asset Management, LLC |
Delaware |
Emerging Global Advisors, LLC |
Delaware |
GA Legacy, LLC |
Delaware |
J. & W. Seligman & Co. Incorporated |
Delaware |
Columbia Management Investment Distributors, Inc.2 |
Delaware |
Seligman Partners, LLC3
|
Delaware |
Lionstone BBP GP, LLC |
Delaware |
Lionstone BBP Limited Partner, LLC |
Delaware |
Lionstone CREAD Partners Two, LLC |
Delaware |
Lionstone CREAD GP, LLC |
Delaware |
Lionstone LORE Two, LLC |
Delaware |
Lionstone Partners, LLC |
Texas |
Cash Flow Asset Management GP, LLC |
Texas |
Cash Flow Asset Management,
L.P.4 |
Texas |
Lionstone Advisory Services, LLC |
Texas |
Lionstone CFRE II Real Estate Advisory, LLC |
Delaware |
Lionstone Development Services, LLC |
Texas |
LPL 1111 Broadway GP, LLC |
Texas |
LPL 1111 Broadway, L.P.5
|
Texas |
Parent Company /Subsidiary Name |
Jurisdiction |
Lionstone Raleigh Development Partners GP, LLC |
Delaware |
Lionstone RDP Channel House Investors, L.P. |
Delaware |
Lionstone RDP PCS Phase I Investors, L.P. |
Delaware |
Lionstone RDP Platform Investors, L.P. |
Delaware |
Lionstone RDP Tower V Investors GP, LLC |
Delaware |
Lionstone RDP St. Albans Investors GP, LLC |
Delaware |
Lionstone RDP Co-Investment Fund I GP, LLC |
Delaware |
Lionstone VA Five, LLC |
Delaware |
RiverSource CDO Seed Investments, LLC |
Minnesota |
Columbia Management Investment Services Corp. |
Minnesota |
Columbia Threadneedle Canada, Inc. |
Ontario |
Columbia Threadneedle Canada Holdings, Inc. |
Ontario |
Columbia Threadneedle Investments UK International Limited |
England & Wales |
Columbia Threadneedle (Europe) Limited |
England & Wales |
Columbia Threadneedle AM (Holdings) plc |
Scotland |
Astraeus III GP LLP |
|
Astraeus III FP LP |
|
Columbia Threadneedle Capital (Group) Limited |
Cayman Islands |
Columbia Threadneedle Capital (Holdings) Limited |
Cayman Islands |
Columbia Threadneedle Capital (UK) Limited |
England & Wales |
Columbia Threadneedle Multi-Manager LLP |
England & Wales |
Thames River Capital LLP |
England & Wales |
Columbia Threadneedle Group (Holdings) Limited |
England & Wales |
Columbia Threadneedle Group (Management) Limited |
England & Wales |
Columbia Threadneedle Holdings Limited |
England & Wales |
Columbia Threadneedle Investment Services Limited |
England & Wales |
Columbia Threadneedle Management Limited |
England & Wales |
F&C Unit Management Limited |
England & Wales |
FCEM Holdings (UK) Limited |
England & Wales |
Parent Company /Subsidiary Name |
Jurisdiction |
F&C Emerging Markets Limited |
England & Wales |
F&C (CI) Limited |
England & Wales |
F&C Private Equity Nominee Limited |
England & Wales |
Columbia Threadneedle Luxembourg
S.A.6† |
Luxembourg |
Columbia Threadneedle Netherlands B.V. |
Netherlands |
F&C Alternative Investments (Holdings) Limited |
England & Wales |
F&C Ireland Limited |
Ireland |
Columbia Threadneedle Treasury Limited |
England & Wales |
WAM Holdings Ltd |
England & Wales |
Columbia Threadneedle Fund Management Limited |
England & Wales |
Columbia Threadneedle Managers Limited |
England & Wales |
Columbia Threadneedle (Services) Limited |
Scotland |
Columbia Threadneedle Management (Swiss) GmbH‡ |
Switzerland |
Columbia Threadneedle Investment Business Limited |
Scotland |
Columbia Threadneedle PE Co-Investment GP LLP |
Scotland |
FCIT PE FP LP6 |
Scotland |
Columbia Threadneedle PE Co-Investment FP LP6 |
Scotland |
Columbia Threadneedle Real Estate Partners LLP7 |
England & Wales |
CT UK Residential Real Estate FCP-RAIF (Associate) |
England & Wales |
REIT Asset Management Limited |
England & Wales |
Columbia Threadneedle REP (Corporate Services) Limited |
England & Wales |
F&C REIT Corporate Finance Limited |
England & Wales |
Columbia Threadneedle Real Estate Partners S.à.r.l. |
Luxembourg |
CT Real Estate Partners GmbH & Co. KG, München |
Germany |
CT Real Estate Partners Verwaltungsgesellschaft mbH, München (General Partner) |
Germany |
Columbia Threadneedle Real Estate Partners Asset Management plc |
England & Wales |
FOSCA II Manager S.à.r.l. |
Luxembourg |
Columbia Threadneedle REP Property Management Limited |
England & Wales |
Columbia Threadneedle Unit Trust Managers Limited |
England |
Parent Company /Subsidiary Name |
Jurisdiction |
Castle Mount Impact Partners GP LLP |
|
Castle Mount Impact Partners FP LP |
|
F&C Aurora (GP) Limited |
Scotland |
LPE II (Founding Partner) LP |
Scotland |
The Aurora Fund (Founder Partner) LP6 |
Scotland |
F&C Climate Opportunity Partners (GP) Limited |
Scotland |
F&C Climate Opportunity Partners (GP) LP |
Scotland |
F&C Climate Opportunity Partners (Founder Partner) LP6 |
Scotland |
F&C Equity Partners Holdings Limited |
England & Wales |
F&C Equity Partners plc |
England & Wales |
F&C European Capital Partners (Founder Partner) LP6 |
Scotland |
F&C European Capital Partners II (GP) Limited |
Scotland |
F&C European Capital Partners II (Founder Partner) LP6 |
Scotland |
F&C European Capital Partners II (GP) LP |
Scotland |
F&C Finance plc |
England & Wales |
F&C Group ESOP Trustee Limited |
Scotland |
F&C Investment Manager plc |
England & Wales |
FP Asset Management Holdings Limited |
England & Wales |
Columbia Threadneedle Asset Managers Limited |
England & Wales |
Ivory & Sime (Japan) KK |
Japan |
Ivory & Sime Limited |
Scotland |
Columbia Threadneedle (EM) Investments Limited |
England & Wales |
Pyrford International Limited |
England & Wales |
RiverSource Distributors,
Inc.2 |
Delaware |
RiverSource Life Insurance Company |
Minnesota |
Columbia Cent CLO Advisers, LLC |
Delaware |
RiverSource Life Insurance Co. of New York |
New York |
RiverSource NY REO, LLC |
New York |
RiverSource REO 1, LLC |
Minnesota |
RiverSource Tax Advantaged Investments, Inc. |
Delaware |
AEXP Affordable Housing Portfolio,
LLC8 |
Delaware |
TAM UK International Holdings Limited |
England & Wales |
Parent Company /Subsidiary Name |
Jurisdiction |
Columbia Threadneedle Investments (ME) Limited |
Dubai |
CTM Holdings Limited |
Malta |
TAM Investment Limited |
England & Wales |
Threadneedle Asset Management Oversight Limited |
England & Wales |
Ameriprise International Holdings GmbH |
Switzerland |
Threadneedle EMEA Holdings 1, LLC |
Minnesota, USA |
Threadneedle Holdings Limited |
England & Wales |
TAM UK Holdings Limited |
England & Wales |
Threadneedle Asset Management Holdings Limited** |
England & Wales |
Columbia Threadneedle Foundation |
England & Wales |
TC Financing Limited |
England & Wales |
Threadneedle Asset Management Limited |
England & Wales |
Threadneedle Investment Services Limited |
England & Wales |
Threadneedle Asset Management (Nominees) Limited |
England & Wales |
Sackville TIPP Property (GP) Limited |
England & Wales |
Threadneedle Asset Management Finance Limited |
England & Wales |
TMS Investment Limited |
Jersey |
Threadneedle International Limited |
England & Wales |
Threadneedle Investments (Channel Islands) Limited |
Jersey |
Threadneedle Investments Limited |
England & Wales |
Threadneedle Management Services Limited |
England & Wales |
Threadneedle Pension Trustees Limited |
England & Wales |
Threadneedle Navigator ISA Manager Limited |
England & Wales |
Threadneedle Pensions Limited |
England & Wales |
Threadneedle Portfolio Services AG |
Switzerland |
Threadneedle Portfolio Services Limited |
England & Wales |
Parent Company /Subsidiary Name |
Jurisdiction |
Threadneedle Property Investments Limited |
England & Wales |
Sackville (CTESIF) 2&3 GP Sàrl |
Luxembourg |
Sackville LCW (GP) Limited |
England & Wales |
Sackville LCW Sub LP 1 (GP) Limited |
England & Wales |
Sackville LCW Nominee 1 Limited |
England & Wales |
Sackville LCW Nominee 2 Limited |
England & Wales |
Sackville LCW Sub LP 2 (GP) Limited |
England & Wales |
Sackville LCW Nominee 3 Limited |
England & Wales |
Sackville LCW Nominee 4 Limited |
England & Wales |
Sackville Property Atlantic (Jersey GP) Limited |
Jersey |
Sackville Property Curtis (Jersey GP) Limited |
Jersey |
Sackville Property Farnborough (Jersey GP) Limited |
Jersey |
Sackville Property Hayes (Jersey GP) Limited |
Jersey |
Sackville UKPEC6 Hayes Nominee 1 Limited |
Jersey |
Sackville UKPEC6 Hayes Nominee 2 Limited |
Jersey |
Sackville Tandem Property (GP) Limited |
England & Wales |
Sackville TPEN Property (GP) Limited |
England & Wales |
Sackville TSP Property (GP) Limited |
England & Wales |
Sackville UK Property Select II (GP) Limited |
England & Wales |
Sackville UK Property Select II (GP) No. 3 Limited |
England & Wales |
Sackville UK Property Select II Nominee (3) Limited |
England & Wales |
Sackville UK Property Select III (GP) No. 1 Limited |
England & Wales |
Sackville UK Property Select III Nominee (1) Limited |
England & Wales |
Sackville UK Property Select III Nominee (2) Limited |
England & Wales |
Sackville UK Property Select III (GP) No. 2 Limited |
England & Wales |
Sackville UK Property Select III Nominee (3) Ltd |
England & Wales |
Parent Company /Subsidiary Name |
Jurisdiction |
Sackville UK Property Select III Nominee (4) Ltd |
England & Wales |
Sackville UK Property Select III (GP) No. 3 Limited |
England & Wales |
Sackville UK Property Select III Nominee (5) Ltd |
England & Wales |
Sackville UK Property Select III Nominee (6) Ltd |
England & Wales |
Sackville UK Property Select III (GP) S.à r.l. |
Luxembourg |
Sackville UK Property Select IV (GP) S.à.r.l. |
Luxembourg |
Sackville UK Property Select IV (GP) No. 1 Limited |
England |
Sackville UK Property Select IV Nominee (1) Limited |
England |
Sackville UK Property Select IV Nominee (2) Limited |
England |
Sackville UK Property Select IV (GP) No. 2 Limited |
England |
Sackville UK Property Select IV Nominee (3) Limited |
England |
Sackville UK Property Select IV Nominee (4) Limited |
England |
Sackville UK Property Select IV (GP) No. 3 Limited |
England |
Sackville UK Property Select IV Nominee (5) Limited |
England |
Sackville UK Property Select IV Nominee (6) Limited |
England |
Sackville UKPEC1 Leeds (GP) Limited |
England & Wales |
Sackville UKPEC3 Croxley (GP) Limited |
England & Wales |
Threadneedle Property Execution 1 Limited |
England & Wales |
Threadneedle Property Execution 2 Limited |
England & Wales |
Threadneedle UK Property Select IV Feeder SA SICAV-RAIF |
Luxembourg |
Threadneedle Unit Trust Manager Limited |
England & Wales |
Threadneedle Management Luxembourg S.A. |
Luxembourg |
Name and Principal Business Address* |
|
Positions and
Offices with Underwriter |
Kara D. Sherman |
|
Director |
Janz, Sara S. |
|
Director |
Gumer C. Alvero |
|
Chairman of the Board and Chief Executive Officer |
Shweta Jhanji |
|
Senior Vice President and Treasurer |
Name and Principal Business Address* |
|
Positions and
Offices with Underwriter |
Paula J. Minella |
|
Secretary |
Jason S. Bartylla |
|
Chief Financial Officer |
NAME OF PRINCIPAL UNDERWRITER |
NET
UNDERWRITING
DISCOUNTS AND
COMMISSIONS |
COMPENSATION ON REDEMPTION |
BROKERAGE
COMMISSIONS |
COMPENSATION |
RiverSource Distributors, Inc. |
$394,275,424 |
None |
None |
None |
|
RiverSource Variable Account 10 | |
|
(Registrant) | |
|
By: |
/s/ Gumer C. Alvero |
|
|
Gumer C. Alvero Chairman of the Board and President |
|
RiverSource Life Insurance Company | |
|
(Depositor) | |
|
By: |
/s/ Gumer C. Alvero |
|
|
Gumer C. Alvero Chairman of the Board and President |
Signature |
Title |
/s/ Gumer C. Alvero |
Chairman of the Board and President (Chief Executive Officer) |
Gumer C. Alvero | |
/s/ Michael J. Pelzel |
Senior Vice President – Corporate Tax |
Michael J. Pelzel | |
/s/ Stephen P. Blaske |
Director, Senior Vice President and Chief Actuary |
Stephen P. Blaske | |
/s/ Shweta Jhanji |
Senior Vice President and Treasurer |
Shweta Jhanji | |
/s/ Brian E. Hartert |
Chief Financial Officer (Chief Financial Officer) |
Brian E. Hartert | |
/s/ Gene R. Tannuzzo |
Director |
Gene R. Tannuzzo | |
/s/ Gregg L. Ewing |
Vice President and Controller (Principal Accounting Officer) |
Gregg L. Ewing | |
/s/ Stephen R. Wolfrath |
Director, Vice President-Insurance and Annuities Product Development and Management |
Stephen R. Wolfrath | |
/s/ John R. Hutt |
Director |
John R. Hutt |