Internet Privacy Statement

Information we collect about you online

We want you to get the most out of your visits to our website. From offering special promotions to new users, to providing clients of RiverSource Life Insurance Company and RiverSource Life Insurance Co. of New York (RiverSource entities and brands) with secure online account access and management options, we strive to make the most of every unique user visit to our website. To provide our users with these and other online tools, we will, from time to time, request that you provide us with your personal information, such as your name, address, email address and telephone number. We may also receive your contact information via a third-party website if you request information about financial products and services on another website.

Website users: We will ask you for certain contact information when you register for online services and products, or request information online.

RiverSource clients: We will ask you for certain personal information if you want to access your RiverSource accounts online or request online services and products so we can provide you with secure online account access or the requested services or products.

We will maintain information about your account, online account activity, online services and products requested and your usage of our website to help us administer your online account needs and to continually improve your online experience by providing you with customized, relevant information and offers.

TO PARENTS OF CHILDREN UNDER 13: We do not knowingly solicit data online from or market online to children under the age of 13. If you are a parent or guardian of a child under the age of 13 and believe that personal information may have been collected about your child, please read "How we use the information we collect" below. For more information about the Children's Online Privacy Protection Act (COPPA), visit the FTC website: www.ftc.gov.

How we use the information we collect

We use personal information collected on our website to handle the transactions you initiate. Your personal information will not be rented or sold to any third party for marketing purposes. In some instances, we will share your contact information with carefully selected service providers to assist us in processing your online transactions or to deliver the services, products, and marketing you request online. For example, in order to mail you the financial guide you request online, we will supply your contact information to a third party vendor who will process and mail the guide, and other materials you request on the behalf of RiverSource.

In an effort to ensure that you get the most out of your visits to our website, we may use your personal information in combination with other information we have about you as a RiverSource client and information provided to us by third parties to present you with customized and relevant information and offers.

We may disclose personal information collected on our website when such disclosure is required or permitted by law. For example, we may be required to disclose personal information to cooperate with law enforcement and regulatory authorities, as part of the sale, assignment, or other transfer of our business, or to perform authentication procedures to prevent fraud.

Tracking activity on our website

In order to make your visit to our website as productive as possible, we track activity on our website. However, we want you to know that the tracking technology we use does not identify any personal information about you. It cannot retrieve data from your hard drive, pass on computer viruses, or capture any personal information about you, such as your name, address, phone number, or email address. We only know who you are if you tell us. You may, however, be asked to provide personal information such as name, address, phone number or email address to us when you register for online services or products.

1. Cookies: One way we track activity is by using cookies. A "cookie" is an electronic file that holds small strings of text. When you visit our website, we send a cookie to your browser so that we can recognize it when you or another user of your computer returns to our website. We want to recognize your browser so we can make the best use of your time when visiting our website. For example, when you visit our website, we present an introductory page to all new users. The fact that you have already visited the introductory page is recorded in a cookie so you won't see the introductory page again. For your security, if you are registered for online services and/or have an account with RiverSource or we cannot give you access to your account information on our website unless your browser is set to accept cookies from us.
2. Advertising: When you visit our website by clicking on certain banner ads or special offers on our partners' websites, we track this information to improve navigation and deliver relevant information when you arrive at our website. We also do this because we want to determine if our ads and special offers are appealing to our users. In the course of serving our ads to you, a unique third-party cookie may be placed or recognized on your browser. In addition, we use web beacons, provided by our third-party ad server, to help manage and optimize our online advertising. These web beacons enable us to learn which ads we place on third-party sites bring users to our website. They do not capture or convey any personal or sensitive information about you. We also place web tags on certain pages of our website. These tags enable selected companies with which we have strategic alliances to determine if you initiate action on a joint offer. This allows the other company to avoid serving you ads for the same offer on subsequent visits to their website.
3. Browser settings: You can adjust many browser preferences so that you are alerted when a cookie is placed in your browser, or adjust preferences to decline cookies altogether. Recognize that cookies enable you to visit our website without reviewing introductory information. In addition to allowing us to recognize you, cookies also enable us to securely provide our registered users with account information.

Tracking activity by third parties on our websites

1. Response to web browser "Do Not Track signals": We and our third party service providers do not currently respond to web browser "do not track signals" or other mechanisms that provide a method to opt out of the collection of information across the networks of websites and online services in which we participate. If we do so in the future, we will describe how we do so in this privacy policy. For more information about do not track, please visit www.allaboutdnt.org.

Ads that link to our website

RiverSource may use third parties to place banner ads on other websites and will perform tracking and reporting activities through use of ad servers. We do not provide ad servers with your personal information and ad servers do not collect your personal information.

Ad servers are subject to their own privacy policies.

Websites that we link to

Websites that you link to from the RiverSource site or a RiverSource email may contain privacy provisions that differ from the provisions of our Privacy Statement. To ensure your privacy is protected, we recommend that you review the privacy statements of other Internet sites you visit.

How We Safeguard Your Information

RiverSource realizes how important security is to you, so we've taken a number of steps to enhance the protection of personal or confidential information sent to, or from RiverSource over the Internet. First, we require that a "secure session" be established, using Secure Socket Layer (SSL) Technology. This is done any time you supply or access personal or confidential information in one of our secure online areas.

SSL Technology creates a private conversation that only your computer and RiverSource systems can understand. The SSL Technology encodes information as it is being sent over the Internet between your computer and RiverSource systems, helping to ensure the transmitted information remains confidential. The use of SSL requires two components: an SSL-compatible browser and a Web server to perform the "key-exchange" that establishes a secure connection to the RiverSource Web servers. In addition, all of our secure sites require that your browser support 128-bit encryption.

Second, many areas of the site require the use of a user ID and password as an additional security measure that helps protect your confidential information. This allows RiverSource to verify who you are, thereby allowing you access to your account information, and preventing unauthorized access.

When you have finished using a secure area of this website, make sure you always click on the "Log Out" link which appears on the top of every secure page. When you click on it, no further secure transactions can be conducted without re-entering your user ID and password. This also helps prevent unauthorized access to your account if you walk away from your computer.

You should be aware that browser software often "caches" a page as you look at it, meaning that some pages are saved in your computer's temporary memory. Therefore, you may find that clicking on your "Back" button shows you a saved version of a previously viewed page. Caching in no way affects the security of your confidential user ID or password. If you use a computer in a public place to access your account information, simply quit/exit the browser software before leaving to minimize the possibility of anyone else viewing your confidential information.

Third, in order to bring you the many online products and services offered on riversource.com, we work with carefully selected vendors and non-affiliated companies. If we have to share any information with these companies in order to provide a product or service to you, we first conduct a careful evaluation of their information and security systems and practices, and require administrative, technical, and physical safeguards to ensure the security and confidentiality of RiverSource client information. At any time, we may audit these companies to verify the continued security of their systems and practices.

Lastly, RiverSource computer systems are protected by a firewall that blocks unauthorized access. This means that no one without the proper web browser configuration can view or modify information contained on our systems. Only authorized people — employees, advisors, approved contractors, etc. — can use RiverSource computer systems, and only people who need to know confidential client information have access to that information.

How you can protect yourself online

Spyware, Anti-Virus and Firewall Software

Spyware is software that is installed on your computer without your consent to monitor the way you use your computer. It can be used to display pop-up ads, send you to websites you did not mean to visit, monitor the websites you surf or record keystrokes, meaning the software could record your usernames and passwords.

Clues that spyware may have been installed on your computer are:

• Onslaught of pop-up ads
• Your browser taking you to sites you did not enter in the address box
• A change to your Internet home page that you did not make
• New toolbars
• New icons in your browser window
• Keys that don't work properly
• Random error messages
• Slow performance when opening programs or saving files

Tips to help protect your computer from spyware

• Update your operating system and Web browser software to make sure you have the latest protection.
• Only download free software from sites you know and trust.
• Don't install any software without knowing exactly what it is.
• Set your security setting to at least "medium" to avoid unauthorized downloads.
• Avoid links in pop-up windows.
• Don't click on links in spam that claim to offer anti-spyware software.
• Install a personal firewall to stop uninvited users from accessing your computer.

How to get rid of spyware

If you think your computer might have spyware on it, follow these steps:

• Get an anti-spyware program from a vendor you know and trust, choosing one that can undo changes spyware makes to your system.
• Set it to scan on a regular basis — at least once a week — and every time you start your computer, if possible.
• Delete any software programs the anti-spyware program detects that you don't want on your computer.

Anti-virus software and a firewall can help protect you when you make financial transactions online.

• Anti-virus software works by removing or quarantining suspected viruses. It's best to choose one that updates regularly so that you don't have to worry about making sure the software is up-to-date.
• A firewall functions much like a fire door in a building by preventing unauthorized parties to access your computer or network. It is important to set up your firewall properly.