Corporate Entities and Important Disclosures

Corporate entities and service groups

The following information describes the principal entities and service groups that conduct the financial planning, asset accumulation and income, and protection business of Ameriprise Financial, Inc. (Ameriprise Financial).

Ameriprise Financial Services, Inc. offers financial advisory services, investments, insurance and annuity products. RiverSource® products are offered by affiliates of Ameriprise Financial Services, Inc., member FINRA and SIPC. CA License #0684538. Ameriprise Financial and its representatives do not provide tax or legal advice. Consult with your tax advisor or attorney regarding specific tax issues.

The complimentary initial consultation provides an overview of financial planning concepts. You will not receive written analysis and/or recommendations. Client experiences will vary.

Ameriprise® certificates are issued by Ameriprise Certificate Company and distributed by Ameriprise Financial Services, Inc. Member FINRA and SIPC.

Columbia mutual funds are distributed by Columbia Management Investment Distributors, Inc., member FINRA, and managed by Columbia Management Investment Advisers, LLC. Columbia Threadneedle mutual funds are subadvised by Threadneedle International Limited. Columbia Management Investment Advisers, LLC, Columbia Management Investment Distributors, Inc., and Threadneedle are part of Ameriprise Financial, Inc. Not all products and all share classes are available through all firms.

Columbia Wanger and Columbia Acorn branded funds are distributed by Columbia Management Investment Distributors, Inc., member FINRA, and managed by Columbia Wanger Asset Management, LLC, which is a subsidiary of Ameriprise Financial, Inc.

Ameriprise Trust Company (ATC) acts as the custodian for retirement accounts, including Individual Retirement Accounts. ATC also maintains collective investment funds and provides other services to retirement plans. Ameriprise Trust Company (ATC) acts as custodian for retirement accounts including Individual Retirement Accounts. ATC also maintains collective investment funds and provides other services to retirement plans.

RiverSource Distributors, Inc., Member FINRA, distributes insurance and annuity products that are issued by RiverSource Life Insurance Company and in New York, by RiverSource Life Insurance Co. of New York, Albany, New York. Only RiverSource Life Insurance Co. of New York is authorized to sell insurance and annuities in New York.

Long-term care insurance sold by our advisors and registered representatives is issued by non- affiliated companies. "Privileged Assets" is a trade-name and does not provide any privileges beyond those allowed by law. Ameriprise Financial Services, Inc. may offer insurance of other companies.

Ameriprise Auto & Home Insurance offers auto, home and umbrella insurance underwritten by IDS Property Casualty Insurance Company, and in certain states, Ameriprise Insurance Company, both in De Pere, WI. Each company is a wholly owned subsidiary of Ameriprise Financial, Inc.

Ameriprise National Trust Bank provides personal trust services to clients of Ameriprise Financial Services, Inc. Ameriprise National Trust Bank and Ameriprise Financial Services are subsidiaries of Ameriprise Financial, Inc. Neither Ameriprise National Trust Bank nor Ameriprise financial advisors are authorized to give legal or tax advice. For specific legal or tax matters, clients should consult with their own legal and/or tax advisors.

Ameriprise®, Columbia, and RiverSource® products and services

Many of the financial products and services we offer carry the Ameriprise, Columbia, or RiverSource name. Due to our prior affiliation with the American Express Company, there may be references to the American Express name in historical information about the Ameriprise Financial companies, products or services. The Ameriprise name is associated with brokerage and financial advisory services, retirement and financial education services, certificates, and personal auto, home and umbrella insurance products from Ameriprise Financial. The annuity and insurance products (except personal auto, home and umbrella insurance) provided by Ameriprise Financial, Inc. and its subsidiaries are identified by the RiverSource name. The mutual funds and closed-end funds provided by Ameriprise Financial, Inc. and its subsidiaries are identified by the Columbia, Seligman and Threadneedle brands. The Columbia, RiverSource, Seligman and Threadneedle names are used for the institutional asset management business including collective investment funds. Seligman is an offering brand of Columbia Management Investment Advisers, LLC.

You should consider the investment objectives, risks, charges and expenses of a mutual fund, variable annuity or variable life insurance, and their underlying investment options, carefully before investing. For a free prospectus, which contains this and other important information, contact your financial advisor, or call 800.333.3437. Read the prospectus carefully before you invest or send money.

Ameriprise Financial/Ameriprise Financial Services, Inc. business continuity planning

At Ameriprise Financial/Ameriprise Financial Services, Inc., we strive to provide our clients with outstanding service that leads to long-term relationships. That is why we have incorporated business continuity planning into our business strategy.

Ameriprise Financial business continuity plans address the loss of an area, building, staff, data, systems, and/or telecommunications. Plans are updated annually  and are subject to testing, evaluation, and senior management review on an ongoing basis. The Ameriprise Business Continuity Management team oversees these plans and coordinates the activities of key people across the business to implement plans when needed.

Under most scenarios, we expect to continue doing business and resume operations with minimal service impacts. However, under certain scenarios, the time that it takes us to recover and to resume operations may be significantly increased depending on the extent of disruption to our systems and the number of personnel affected.

View Ameriprise Financial/Ameriprise Financial Services, Inc.'s Business Continuity Disclosure

Other important disclosures

Investment products are not federally or FDIC insured, are not deposits or obligations of, or guaranteed by, any financial institution, and involve investment risks including possible loss of principal and fluctuation in value.

This website is designed for residents of the United States only, and should not be considered a solicitation to buy or an offer to sell any securities or other financial products and services in any other jurisdictions. Investment services and products of Ameriprise Financial, Inc. and affiliated entities are not available in those jurisdictions where they are not authorized or permitted by local law to promote or sell the services and products. Ameriprise financial advisors conduct business only in states where they are licensed and registered. Products and services mentioned on this site may not be available in all states. Ameriprise may enter into strategic alliances with companies that offer products or services that Ameriprise and its financial advisors do not sell. In some of those alliances, Ameriprise financial advisors may receive gifts and offers from the other companies.

The information and opinions on this site provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. It is provided for informational purposes only and is not a solicitation to buy or sell the securities or other products or services described herein. The information is not intended to be used as the sole basis for investment decisions, nor should it be construed as advice designed to meet the particular needs of an individual investor. Ameriprise Financial and its subsidiaries do not give legal or tax advice. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice, or other content. See Rules, Regulations and Disclaimers for more information on the rules and regulations that apply to visitors of this site. Ameriprise Financial cannot guarantee future financial results.

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Additional Ameriprise Research Disclosures

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