As filed with the Securities and Exchange Commission on December 2, 2022
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM N-4
REGISTRATION STATEMENT
UNDER
THE SECURITIES ACT OF 1933 
 
Pre-Effective Amendment No.
[ ]
 
Post-Effective Amendment No. 4 (File No. 333-237300)
[X]
and/or
REGISTRATION STATEMENT
UNDER
THE INVESTMENT COMPANY ACT OF 1940 
 
Amendment No. 104 (File No. 811-07623)
[X]
(Check appropriate box or boxes)
RIVERSOURCE OF NEW YORK VARIABLE ANNUITY ACCOUNT
(Exact Name of Registrant)
RiverSource Life Insurance Co. of New York
(Name of Depositor)
20 Madison Avenue Extension, Albany, NY 12203
(Address of Depositor's Principal Executive Offices) (Zip Code)
Depositor's Telephone Number, including Area Code (612) 678-5337
Nicole D. Wood, 50605 Ameriprise Financial Center, Minneapolis, MN 55474
(Name and Address of Agent for Service)
It is proposed that this filing will become effective (check appropriate box) 
[ ]
immediately upon filing pursuant to paragraph (b) of Rule 485
[X]
on Dec.5, 2022 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
If appropriate, check the following box: 
[ ]
This post-effective amendment designates a new effective date for a previously filed post-effective amendment.
The purpose of this Post - Effective Amendment No.4 is to supplement prospectus for RiverSource RAVA 5 Access variable annuity (offered for contract applications signed on or after June 22, 2020).
PART A.
Prospectus for RiverSource RAVA 5 Access Variable Annuity (offered for contract applications signed on or after June 22, 2020) dated April 29, 2022 filed electronically with Post-Effective Amendment No.3 is incorporated by reference to this Post-Effective Amendment No.4.

 
Supplement dated Dec. 5, 2022
to
Prospectus dated April 29, 2022
Product Name
Prospectus Form #/Date
RiverSource® RAVA 5 Access® Variable Annuity (Offered for contract applications dated
on or after June 22, 2020)
PRO9105_12_A01_(4/22)
The information in this supplement updates and amends certain information contained in your current variable annuity product prospectus. Please read it carefully and keep it with your variable annuity product prospectus for future reference. Except as modified in this supplement, all other terms and information contained in the prospectus remain in effect and unchanged.
The following changes apply for contract applications dated on or after Dec. 5, 2022:
I. The Optional ROPP Death Benefit rider is available for ages 81 and older for contract applications dated on or after Dec. 5, 2022.
In the “Buying Your Contract” section of the prospectus, the first sub bullet under the fourth bullet in the 4th paragraph is revised to read:
•
ROPP Death Benefit (for contracts with applications dated on or after 12/05/2022 available if you are age 81 or older and for contracts with applications dated prior to 12/05/2022 available if you are age 80 or older);
In the “Benefits Available Under the Contract” section, under ROPP Death Benefit – Description of Restrictions/Limitation, the first bullet point is deleted and replaced with the following description:
•
For contracts with applications dated on or after 12/05/2022, available if any owner is age 81 and older
•
For contracts with applications dated prior to 12/05/2022, available if any owner is age 80 and older
The last paragraph in the “Optional Death Benefits” section of the prospectus is deleted and replaced with the following:
For contract applications dated on or after 12/05/2022, if you are age 81 or older at contract issue, you may select the ROPP death benefit described below at the time you purchase your contract. For contract applications dated prior to 12/05/2022, if you are age 80 or older at contract issue, you may select the ROPP death benefit described below at the time you purchase your contract.
Be sure to discuss with your financial advisor whether or not this death benefit is appropriate for your situation.
The second through fourth paragraphs in the “Optional Death Benefits – Return of Purchase Payments (ROPP) Death Benefit” section of the prospectus are deleted and replaced with the following:
If the contract application is dated on or after 12/05/2022, for a spouse who continues the contract and is age 81 or older, we reset the ROPP value to the contract value on the date of the continuation and after any increase to the contract value due to the death benefit that would otherwise have been paid. If the spouse who continues the contract is age 80 or younger, the optional ROPP Death Benefit will terminate and the Standard Death Benefit will apply.
After a covered life change other than for the spouse who continues the contract, if any owner is age 81 or older we reset the ROPP value on the valuation date we receive your request for the ownership change to the contract value, if the contract value is less.
If all owners are age 80 or younger, the optional ROPP Death Benefit will terminate and the Standard Death Benefit will apply.
If the contract application is dated prior to 12/05/2022, for a spouse who continues the contract and is age 80 or older, we reset the ROPP value to the contract value on the date of the continuation and after any increase to the contract value due to the death benefit that would otherwise have been paid. If the spouse who continues the contract is age 79 or younger, the optional ROPP Death Benefit will terminate and the Standard Death Benefit will apply.
After a covered life change other than for the spouse who continues the contract, if any owner is age 80 or older we reset the ROPP value on the valuation date we receive your request for the ownership change to the contract value, if the contract value is less.
If all owners are age 79 or younger, the optional ROPP Death Benefit will terminate and the Standard Death Benefit will apply.
1
II. The table under “Benefits Available Under the Contract” in the prospectus describing the Standard Death Benefit (available for contract owners age 79 and younger) and the Standard Death Benefit (available for contract owners age 80 and older) is revised and the following is added for contract applications dated on or after 12/5/2022: 
Name of Benefit
Purpose
Maximum Fee
Current Fee
Brief Description of
Restrictions/ Limitations
Standard Benefits
Standard Death
Benefit
(available for
contract owners
age 80 and
younger)
Provides a guaranteed death
benefit equal to the greater of
the Return of Purchase
Payment Value (ROPP) or
Contract Value
N/A
N/A
•Available for contracts with
applications dated on or
after 12/05/2022
•Annuitizing the Contract
terminates the benefit
•Withdrawals will
proportionately reduce the
benefit, which means your
benefit could be reduced by
more than the dollar amount
of your withdrawals, and
such reductions could be
significant.
Standard Death
Benefit
(available for
contract owners
age 81 and
older)
Provides a guaranteed death
benefit equal to the Contract
Value
N/A
N/A
•Available for contracts with
applications dated on or
after 12/05/2022
•Annuitizing the Contract
terminates the benefit
III. The Standard ROPP Death Benefit maximum age is age 80 for contract applications dated on or after Dec. 5, 2022.
The second and third paragraphs in the “Benefits in Case of Death – Standard Death Benefit” section of the prospectus are deleted and replaced with the following:
For contracts with applications dated on or after 12/5/2022: If you are age 80 or younger on the date we issue the contract or the date of the most recent covered life change, the beneficiary receives the greater of:
•
the contract value; or
•
the Return of Purchase Payments (ROPP) value.
If you are age 81 or older on the date we issue the contract or the date of the most recent covered life change, the beneficiary receives the contract value.
For contracts with applications dated prior to 12/5/2022: If you are age 79 or younger on the date we issue the contract or the date of the most recent covered life change, the beneficiary receives the greater of:
•
the contract value; or
•
the Return of Purchase Payments (ROPP) value.
If you are age 80 or older on the date we issue the contract or the date of the most recent covered life change, the beneficiary receives the greater of contract value.
The first two paragraphs following the terms used to describe the Standard Death benefit in the “Benefits in Case of Death – Standard Death Benefit” section of the prospectus are deleted and replaced with the following:
For contracts with applications dated on or after 12/5/2022: For a spouse who continues the contract and is age 80 or younger, we set the ROPP value to the contract value on the date of the continuation and after any increase to the contract value due to the death benefit that would otherwise have been paid.
For contracts with applications dated prior to 12/5/2022: For a spouse who continues the contract and is age 79 or younger, we set the ROPP value to the contract value on the date of the continuation and after any increase to the contract value due to the death benefit that would otherwise have been paid.
2
For all contracts, after a covered life change other than for the spouse who continues the contract, if the prior owner and all current owners are eligible for the ROPP Death Benefit, we reset the ROPP value on the valuation date we receive your written request for the ownership change to the contract value, if the contract value is less. If the prior owner was not eligible for the ROPP Death Benefit, but the new owner is eligible, we reset the ROPP value to the contract value on the valuation date we receive your request for the ownership change.
IV. The underlying investment options available for contracts with applications dated on or after 12/05/2022 differ from the underlying investment options available for contracts with applications dated prior to 12/05/2022 and the following revisions are made to the prospectuses, as applicable:
 
The table in the “Appendix A: Funds Available Under the Contract” is deleted and replaced with the following: 
Investment Objective
Fund and
Adviser/Sub-Adviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2021)
1 Year
5 Year
10 Year
Seeks to maximize total
return consistent with
AllianceBernstein’s
determination of
reasonable risk.
AB VPS Dynamic Asset Allocation Portfolio
(Class B)1
AllianceBernstein L.P.
1.07%2
9.28%
6.94%
6.04%
Seeks long-term growth
of capital.
AB VPS Growth and Income Portfolio
(Class B)3
AllianceBernstein L.P.
0.84%2
27.84%
12.58%
13.39%
Seeks long-term growth
of capital.
AB VPS Large Cap Growth Portfolio (Class B)
AllianceBernstein L.P.
0.90%
28.65%
25.78%
20.52%
Seeks long-term growth
of capital.
AB VPS Sustainable Global Thematic
Portfolio (Class B)3
AllianceBernstein L.P.
1.13%2
22.57%
22.11%
14.95%
Seeks long-term capital
appreciation.
Allspring VT Opportunity Fund - Class 21
Allspring Funds Management, LLC, adviser;
Allspring Global Investments, LLC,
sub-adviser.
1.00%2
24.78%
17.29%
14.94%
Seeks long-term capital
appreciation.
Allspring VT Small Cap Growth Fund -
Class 2
Allspring Funds Management, LLC, adviser;
Allspring Global Investments, LLC,
sub-adviser.
1.17%
7.64%
22.00%
16.23%
The Portfolio seeks
investment results that
correspond (before fees
and expenses) generally
to the price and yield
performance of its
underlying index, the
Alerian Midstream
Energy Select Index
(the “Index”).
ALPS | Alerian Energy Infrastructure
Portfolio: Class III
ALPS Advisors, Inc.
1.30%2
37.77%
(0.04%)
-
Seeks capital growth.
American Century VP International, Class II3
American Century Investment Management,
Inc.
1.14%2
8.60%
14.16%
9.89%
Seeks long-term capital
growth. Income is a
secondary objective.
American Century VP Mid Cap Value,
Class II3
American Century Investment Management,
Inc.
0.90%2
23.02%
9.25%
12.67%
Seeks long-term capital
growth. Income is a
secondary objective.
American Century VP Value, Class II
American Century Investment Management,
Inc.
0.88%2
24.28%
9.39%
11.88%
3
Investment Objective
Fund and
Adviser/Sub-Adviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2021)
1 Year
5 Year
10 Year
Seeks long-term growth
of captial.
BlackRock Advantage SMID Cap V.I. Fund
(Class III)3
BlackRock Advisors, LLC
0.80%2
13.35%
13.14%
13.69%
Seeks high total
investment return.
BlackRock Global Allocation V.I. Fund
(Class III)
BlackRock Advisors, LLC, adviser; BlackRock
(Singapore) Limited, sub-adviser.
1.00%2
6.42%
9.71%
7.68%
Seeks long-term capital
appreciation.
BNY Mellon Sustainable U.S. Equity
Portfolio, Inc. - Service Shares3
BNY Mellon Investment Adviser, Inc.,
adviser; Newton Investment Management
Limited, sub-adviser.
0.92%
26.68%
18.20%
15.30%
Seeks investment
results that correspond
to the total return
performance of common
stocks as represented
by the MSCI EAFE Index.
Calvert VP EAFE International Index Portfolio
- Class F3
Calvert Research and Management
0.68%2
10.66%
9.08%
7.18%
Seeks investment
results that correspond
to the investment
performance of U.S.
common stocks, as
represented by the
NASDAQ 100 Index.
Calvert VP Nasdaq 100 Index Portfolio -
Class F3
Calvert Research and Management, adviser;
Ameritas Investment Partners, Inc,
subadviser.
0.73%2
26.55%
27.68%
22.26%
Seeks investment
results that correspond
to the investment
performance of U.S.
common stocks, as
represented by the
Russell 2000® Index.
Calvert VP Russell 2000® Small Cap Index
Portfolio - Class F3
Calvert Research and Management, adviser;
Ameritas Investment Partners, Inc,
subadviser.
0.59%2
14.30%
11.46%
12.45%
Seeks to achieve a
competitive total return
through an actively
managed portfolio of
stocks, bonds and
money market
instruments which offer
income and capital
growth opportunity.
Calvert VP SRI Balanced Portfolio - Class F3
Calvert Research and Management
0.88%
14.72%
12.07%
10.18%
Seeks maximum total
investment return
through a combination
of capital growth and
current income.
Columbia Variable Portfolio - Balanced Fund
(Class 2) (available for contract applications
signed on or after 5/3/2021)
Columbia Management Investment Advisers,
LLC
1.00%
17.47%
10.51%
10.04%
Seeks maximum total
investment return
through a combination
of capital growth and
current income.
Columbia Variable Portfolio - Balanced Fund
(Class 3) (available for contract applications
signed prior to 5/3/2021)
Columbia Management Investment Advisers,
LLC
0.88%
17.58%
10.61%
10.17%
4
Investment Objective
Fund and
Adviser/Sub-Adviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2021)
1 Year
5 Year
10 Year
Seeks to provide
shareholders with total
return.
Columbia Variable Portfolio - Commodity
Strategy Fund (Class 2)
Columbia Management Investment Advisers,
LLC
1.00%2
(1.55%)
0.80%
-
Seeks total return,
consisting of long-term
capital appreciation and
current income.
Columbia Variable Portfolio - Contrarian Core
Fund (Class 2)
Columbia Management Investment Advisers,
LLC
0.93%2
22.00%
14.16%
-
Seeks to provide
shareholders with
capital appreciation.
Columbia Variable Portfolio - Disciplined
Core Fund (Class 2)
Columbia Management Investment Advisers,
LLC
0.92%
13.85%
12.75%
12.91%
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 2)
Columbia Management Investment Advisers,
LLC
0.96%2
0.90%
8.72%
8.27%
Non-diversified fund that
seeks to provide
shareholders with high
total return through
current income and,
secondarily, through
capital appreciation.
Columbia Variable Portfolio - Emerging
Markets Bond Fund (Class 2)
Columbia Management Investment Advisers,
LLC
1.01%
7.16%
6.66%
-
Seeks to provide
shareholders with
long-term capital growth.
Columbia Variable Portfolio - Emerging
Markets Fund (Class 2)
Columbia Management Investment Advisers,
LLC
1.37%2
33.31%
16.09%
5.72%
Seeks to provide
shareholders with high
total return through
income and growth of
capital.
Columbia Variable Portfolio - Global Strategic
Income Fund (Class 2)
Columbia Management Investment Advisers,
LLC
0.91%2
4.59%
2.68%
0.99%
Seeks to provide
shareholders with
maximum current
income consistent with
liquidity and stability of
principal.
Columbia Variable Portfolio - Government
Money Market Fund (Class 2)
Columbia Management Investment Advisers,
LLC
0.70%2
0.24%
0.67%
0.34%
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 2)
Columbia Management Investment Advisers,
LLC
0.91%2
6.31%
7.11%
6.40%
Seeks to provide
shareholders with a high
total return through
current income and
capital appreciation.
Columbia Variable Portfolio - Income
Opportunities Fund (Class 2)
Columbia Management Investment Advisers,
LLC
0.89%2
5.67%
6.77%
6.16%
5
Investment Objective
Fund and
Adviser/Sub-Adviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2021)
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 2)
Columbia Management Investment Advisers,
LLC
0.74%
12.28%
5.81%
4.53%
Seeks to provide
shareholders with
long-term capital growth.
Columbia Variable Portfolio - Large Cap
Growth Fund (Class 2)
Columbia Management Investment Advisers,
LLC
0.96%
34.41%
17.66%
15.48%
Seeks to provide
shareholders with
long-term capital
appreciation.
Columbia Variable Portfolio - Large Cap Index
Fund (Class 2) (available for contract
applications signed on or after 5/3/2021)
Columbia Management Investment Advisers,
LLC
0.50%
17.74%
14.58%
13.24%
Seeks to provide
shareholders with
long-term capital
appreciation.
Columbia Variable Portfolio - Large Cap Index
Fund (Class 3) (available for contract
applications signed prior to 5/3/2021)
Columbia Management Investment Advisers,
LLC
0.38%
17.85%
14.73%
13.38%
Seeks to provide
shareholders with a
level of current income
consistent with
preservation of capital.
Columbia Variable Portfolio - Limited
Duration Credit Fund (Class 2)
Columbia Management Investment Advisers,
LLC
0.70%2
5.57%
3.99%
2.68%
Seeks total return,
consisting of current
income and capital
appreciation.
Columbia Variable Portfolio - Long
Government/Credit Bond Fund (Class 2)
Columbia Management Investment Advisers,
LLC
0.75%
17.07%
8.58%
-
Seeks to provide
shareholders with
capital appreciation.
Columbia Variable Portfolio - Overseas Core
Fund (Class 2)
Columbia Management Investment Advisers,
LLC
1.03%
8.83%
6.19%
4.96%
Seeks long-term capital
appreciation.
Columbia Variable Portfolio - Select Large
Cap Equity Fund (Class 2)3
Columbia Management Investment Advisers,
LLC
0.91%
19.36%
-
-
Seeks to provide
shareholders with
long-term growth of
capital.
Columbia Variable Portfolio - Select Large
Cap Value Fund (Class 2)
Columbia Management Investment Advisers,
LLC
0.93%
6.81%
11.29%
11.15%
Seeks to provide
shareholders with
growth of capital.
Columbia Variable Portfolio - Select Mid Cap
Growth Fund (Class 2) (previously Columbia
Variable Portfolio - Mid Cap Growth Fund
(Class 2))
Columbia Management Investment Advisers,
LLC
1.09%2
35.08%
16.72%
11.67%
Seeks to provide
shareholders with
long-term growth of
capital.
Columbia Variable Portfolio - Select Mid Cap
Value Fund (Class 2)
Columbia Management Investment Advisers,
LLC
1.08%2
7.25%
9.44%
9.53%
6
Investment Objective
Fund and
Adviser/Sub-Adviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2021)
1 Year
5 Year
10 Year
Seeks to provide
shareholders with
long-term capital growth.
Columbia Variable Portfolio - Select Small
Cap Value Fund (Class 2)
Columbia Management Investment Advisers,
LLC
1.10%2
8.92%
7.27%
8.76%
Seeks to provide
shareholders with
long-term capital
appreciation.
Columbia Variable Portfolio - Seligman
Global Technology Fund (Class 2)3
Columbia Management Investment Advisers,
LLC
1.23%2
45.80%
27.14%
19.13%
Seeks long-term capital
appreciation.
Columbia Variable Portfolio - Small Cap
Value Fund (Class 2)3
Columbia Management Investment Advisers,
LLC
1.22%
8.59%
10.22%
8.19%
Seeks total return,
consisting of current
income and capital
appreciation.
Columbia Variable Portfolio - Strategic
Income Fund (Class 2)
Columbia Management Investment Advisers,
LLC
0.93%2
6.62%
6.16%
5.03%
Seeks to provide
shareholders with
current income as its
primary objective and,
as its secondary
objective, preservation
of capital.
Columbia Variable Portfolio -
U.S. Government Mortgage Fund (Class 2)
Columbia Management Investment Advisers,
LLC
0.70%
4.85%
3.66%
2.56%
Seeks to provide
shareholders with a high
level of current income.
CTIVP® - American Century Diversified Bond
Fund (Class 2)
Columbia Management Investment Advisers,
LLC, adviser; American Century Investment
Management, Inc., subadviser.
0.74%
8.24%
4.81%
3.85%
Non-diversified fund that
seeks to provide
shareholders with total
return that exceeds the
rate of inflation over the
long term.
CTIVP® - BlackRock Global Inflation-Protected
Securities Fund (Class 2)
Columbia Management Investment Advisers,
LLC, adviser; BlackRock Financial
Management, Inc., subadviser; BlackRock
International Limited, sub-subadviser.
0.85%2
8.97%
5.28%
4.22%
Seeks to provide
shareholders with
current income and
capital appreciation.
CTIVP® - CenterSquare Real Estate Fund
(Class 2)
Columbia Management Investment Advisers,
LLC, adviser; CenterSquare Investment
Management LLC, subadviser.
1.05%
(5.18%)
4.52%
5.45%
Seeks to provide
shareholders with
long-term capital growth.
CTIVP® - MFS® Value Fund (Class 2)
Columbia Management Investment Advisers,
LLC, adviser; Massachusetts Financial
Services Company, subadviser.
0.93%2
3.33%
9.90%
10.60%
Seeks to provide
shareholders with
long-term capital growth.
CTIVP® - Morgan Stanley Advantage Fund
(Class 2)
Columbia Management Investment Advisers,
LLC, adviser; Morgan Stanley Investment
Management Inc., subadviser.
0.92%
75.49%
25.50%
17.60%
7
Investment Objective
Fund and
Adviser/Sub-Adviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2021)
1 Year
5 Year
10 Year
Seeks to provide
shareholders with
long-term capital growth.
CTIVP® - Principal Blue Chip Growth Fund
(Class 2) (previously CTIVP® - Loomis Sayles
Growth Fund (Class 2))
Columbia Management Investment Advisers,
LLC, adviser; Principal Global Investors, LLC,
subadviser.
0.93%
31.61%
18.72%
15.61%
Seeks to provide
shareholders with
long-term growth of
capital and income.
CTIVP® - T. Rowe Price Large Cap Value Fund
(Class 2)
Columbia Management Investment Advisers,
LLC, adviser; T. Rowe Price Associates, Inc.,
subadviser.
0.93%
2.47%
9.13%
8.83%
Seeks to provide
shareholders with total
return through current
income and capital
appreciation.
CTIVP® - TCW Core Plus Bond Fund (Class 2)
Columbia Management Investment Advisers,
LLC, adviser; TCW Investment Management
Company LLC, subadviser.
0.73%
8.67%
4.43%
3.15%
Seeks to provide
shareholders with
long-term growth of
capital.
CTIVP® - Victory Sycamore Established Value
Fund (Class 2)
Columbia Management Investment Advisers,
LLC, adviser; Victory Capital Management
Inc., subadviser.
1.05%
7.80%
11.50%
11.07%
Seeks to provide
shareholders with
long-term capital growth.
CTIVP® - Westfield Mid Cap Growth Fund
(Class 2)
Columbia Management Investment Advisers,
LLC, adviser; Westfield Capital Management
Company, L.P., subadviser.
1.09%
27.18%
17.13%
13.42%
Seeks to provide total
return.
Delaware Ivy VIP Asset Strategy, Class II
(previously Ivy VIP Asset Strategy, Class II)
Ivy Investment Management Company
0.87%2
10.44%
11.36%
8.01%
Seeks high current
income.
Delaware VIP® Fund for Income Series -
Service Class3
Delaware Management Company, adviser;
Macquarie Investment Management Global
Limited, Macquarie Investment Management
Austria Kapitalanlage AG and Macquarie
Investment Management Europe Limited,
subadvisers.
0.74%2
-
-
-
Seeks long-term capital
growth.
Delaware VIP® International Series - Service
Class3
Delaware Management Company, adviser;
Macquarie Funds Management HK Ltd.,
Macquarie Investment Management Global
Limited, subadvisers.
1.16%2
6.59%
10.49%
7.83%
Seeks capital
appreciation.
DWS Alternative Asset Allocation VIP,
Class B
DWS Investment Management Americas
Inc., adviser; RREEF America L.L.C.,
subadvisor.
1.26%
12.35%
5.59%
3.89%
Seeks high level of
current income.
Eaton Vance VT Floating-Rate Income Fund -
Initial Class3
Eaton Vance Management
1.18%
3.63%
3.19%
3.53%
8
Investment Objective
Fund and
Adviser/Sub-Adviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2021)
1 Year
5 Year
10 Year
Seeks long-term capital
appreciation.
Fidelity® VIP Contrafund® Portfolio Service
Class 2
Fidelity Management & Research Company
(the Adviser) is the fund’s manager. Fidelity
Management & Research Company (UK)
Limited, Fidelity Management & Research
Company (Hong Kong) Limited, Fidelity
Management & Research Company (Japan)
Limited, subadvisers.
0.85%
27.51%
19.87%
16.35%
Seeks capital
appreciation.
Fidelity® VIP Emerging Markets Portfolio
Service Class 23
Fidelity Management & Research Company
(the Adviser) is the fund’s manager. Fidelity
Management & Research Company (UK)
Limited, Fidelity Management & Research
Company (Hong Kong) Limited, Fidelity
Management & Research Company (Japan)
Limited, FIL Investment Advisers, FIL
Investment Advisers (UK) Limited and FIL
Investments (Japan) Limited, subadvisers.
1.16%
(2.41%)
14.71%
8.17%
Seeks capital
appreciation.
Fidelity® VIP Energy Portfolio Service
Class 23
Fidelity Management & Research Company
(the Adviser) is the fund’s manager. Fidelity
Management & Research Company (UK)
Limited, Fidelity Management & Research
Company (Hong Kong) Limited, Fidelity
Management & Research Company (Japan)
Limited, subadvisers.
0.90%
54.83%
(3.55%)
0.02%
Seeks high total return
through a combination
of current income and
capital appreciation.
Fidelity® VIP Growth & Income Portfolio
Service Class 23
Fidelity Management & Research Company
(the Adviser) is the fund’s manager. Fidelity
Management & Research Company (UK)
Limited, Fidelity Management & Research
Company (Hong Kong) Limited, Fidelity
Management & Research Company (Japan)
Limited, subadvisers.
0.77%
25.64%
13.17%
13.79%
Seeks to provide capital
growth.
Fidelity® VIP Growth Opportunities Portfolio
Service Class 23
Fidelity Management & Research Company
(the Adviser) is the fund’s manager. Fidelity
Management & Research Company (UK)
Limited, Fidelity Management & Research
Company (Hong Kong) Limited, Fidelity
Management & Research Company (Japan)
Limited, subadvisers.
0.88%
11.68%
31.77%
22.64%
9
Investment Objective
Fund and
Adviser/Sub-Adviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2021)
1 Year
5 Year
10 Year
Seeks capital
appreciation.
Fidelity® VIP International Capital
Appreciation Portfolio Service Class 23
Fidelity Management & Research Company
(the Adviser) is the fund’s manager. Fidelity
Management & Research Company (UK)
Limited, Fidelity Management & Research
Company (Hong Kong) Limited, Fidelity
Management & Research Company (Japan)
Limited, FIL Investment Advisers, FIL
Investment Advisers (UK) Limited and FIL
Investments (Japan) Limited, subadvisers.
1.07%
12.11%
16.56%
12.88%
Seeks as high level of
current income as is
consistent with the
preservation of capital.
Fidelity® VIP Investment Grade Bond
Portfolio Service Class 23
Fidelity Management & Research Company
(the Adviser) is the fund’s manager. Fidelity
Management & Research Company (UK)
Limited, Fidelity Management & Research
Company (Hong Kong) Limited, Fidelity
Management & Research Company (Japan)
Limited, subadvisers.
0.64%
(0.90%)
4.08%
3.29%
Seeks long-term growth
of capital.
Fidelity® VIP Mid Cap Portfolio Service
Class 2
Fidelity Management & Research Company
(the Adviser) is the fund’s manager. Fidelity
Management & Research Company (UK)
Limited, Fidelity Management & Research
Company (Hong Kong) Limited, Fidelity
Management & Research Company (Japan)
Limited, subadvisers.
0.86%
25.31%
13.32%
13.00%
Seeks a high level of
current income and may
also seek capital
appreciation.
Fidelity® VIP Strategic Income Portfolio
Service Class 2
Fidelity Management & Research Company
(the Adviser) is the fund’s manager. Fidelity
Management & Research Company (UK)
Limited, Fidelity Management & Research
Company (Hong Kong) Limited, Fidelity
Management & Research Company (Japan)
Limited, FIL Investment Advisers, FIL
Investment Advisers (UK) Limited and FIL
Investments (Japan) Limited, subadvisers.
0.91%
3.44%
5.11%
4.47%
Seeks to maximize
income while
maintaining prospects
for capital appreciation.
Under normal market
conditions, the fund
invests in a diversified
portfolio of equity and
debt securities.
Franklin Income VIP Fund - Class 21
Franklin Advisers, Inc.
0.72%
16.75%
7.45%
7.38%
10
Investment Objective
Fund and
Adviser/Sub-Adviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2021)
1 Year
5 Year
10 Year
Seeks to maximize
income while
maintaining prospects
for capital appreciation.
Under normal market
conditions, the fund
invests in a diversified
portfolio of equity and
debt securities.
Franklin Income VIP Fund - Class 43
Franklin Advisers, Inc.
0.82%
16.59%
7.34%
7.27%
Seeks capital
appreciation.
Franklin Mutual Global Discovery VIP Fund -
Class 43
Franklin Mutual Advisers, LLC
1.33%
18.98%
6.32%
8.37%
Seeks capital
appreciation, with
income as a secondary
goal. Under normal
market conditions, the
fund invests primarily in
U.S. and foreign equity
securities that the
investment manager
believes are
undervalued.
Franklin Mutual Shares VIP Fund - Class 21
Franklin Mutual Advisers, LLC
0.98%
19.17%
6.44%
9.00%
Seeks long-term total
return. Under normal
market conditions, the
fund invests at least
80% of its net assets in
investments of small
capitalization
companies.
Franklin Small Cap Value VIP Fund - Class 21
Franklin Mutual Advisers, LLC
0.91%
25.37%
9.94%
12.13%
Seeks long-term total
return. Under normal
market conditions, the
fund invests at least
80% of its net assets in
investments of small
capitalization
companies.
Franklin Small Cap Value VIP Fund - Class 43
Franklin Mutual Advisers, LLC
1.01%
25.17%
9.82%
12.01%
Seeks long-term growth
of capital.
Goldman Sachs VIT Multi-Strategy
Alternatives Portfolio - Advisor Shares1
Goldman Sachs Asset Management, L.P.
1.40%2
4.66%
3.42%
-
Seeks long-term growth
of capital.
Goldman Sachs VIT Multi-Strategy
Alternatives Portfolio - Service Shares3
Goldman Sachs Asset Management, L.P.
1.25%2
4.84%
3.61%
-
Seeks long-term growth
of capital.
Goldman Sachs VIT Small Cap Equity
Insights Fund - Service Shares3
Goldman Sachs Asset Management, L.P.
1.06%2
23.50%
11.06%
12.65%
Seeks total return with a
low to moderate
correlation to traditional
financial market indices.
Invesco V.I. Balanced-Risk Allocation Fund,
Series II Shares
Invesco Advisers, Inc.
1.13%2
9.26%
7.18%
5.99%
11
Investment Objective
Fund and
Adviser/Sub-Adviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2021)
1 Year
5 Year
10 Year
Seeks capital growth
and income through
investments in equity
securities, including
common stocks,
preferred stocks and
securities convertible
into common and
preferred stocks.
Invesco V.I. Comstock Fund, Series II
Shares3
Invesco Advisers, Inc.
0.99%
33.04%
11.12%
12.59%
Seeks total return,
comprised of current
income and capital
appreciation.
Invesco V.I. Core Plus Bond Fund, Series II
Shares3
Invesco Advisers, Inc.
0.87%2
(1.01%)
4.40%
4.52%
Seeks capital
appreciation.
Invesco V.I. Global Fund, Series II Shares
Invesco Advisers, Inc.
1.03%
15.17%
17.88%
13.96%
Seeks total return
Invesco V.I. Global Strategic Income Fund,
Series II Shares1
Invesco Advisers, Inc.
1.12%2
(3.56%)
2.15%
2.90%
Seeks capital
appreciation.
Invesco V.I. Main Street Small Cap Fund®,
Series II Shares
Invesco Advisers, Inc.
1.09%
22.26%
13.46%
14.40%
Seeks long-term growth
of capital.
Invesco V.I. Technology Fund, Series II
Shares3
Invesco Advisers, Inc.
1.23%
14.08%
24.71%
17.19%
Seeks long-term capital
growth, consistent with
preservation of capital
and balanced by current
income.
Janus Henderson Balanced Portfolio:
Service Shares
Janus Henderson Investors US LLC
0.86%
16.91%
14.10%
11.53%
Seeks to obtain
maximum total return,
consistent with
preservation of capital.
Janus Henderson Flexible Bond Portfolio:
Service Shares
Janus Henderson Investors US LLC
0.82%2
(1.11%)
3.98%
3.43%
Seeks long-term growth
of capital.
Janus Henderson Forty Portfolio: Service
Shares3
Janus Henderson Investors US LLC
1.02%
22.60%
25.27%
20.00%
Seeks long-term growth
of capital.
Janus Henderson Global Technology and
Innovation Portfolio: Service Shares3
Janus Henderson Investors US LLC
0.97%
17.75%
30.32%
22.96%
Seeks long-term growth
of capital.
Janus Henderson Overseas Portfolio:
Service Shares3
Janus Henderson Investors US LLC
1.12%
13.29%
13.08%
5.98%
Seeks long-term growth
of capital.
Janus Henderson Research Portfolio:
Service Shares1
Janus Henderson Investors US LLC
0.85%
20.05%
21.68%
17.16%
The Portfolio seeks to
provide high total return
from a portfolio of
selected equity
securities.
JPMorgan Insurance Trust U.S. Equity
Portfolio - Class 2 Shares3
J.P. Morgan Investment Management Inc.
0.99%
29.01%
19.33%
17.17%
12
Investment Objective
Fund and
Adviser/Sub-Adviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2021)
1 Year
5 Year
10 Year
Seeks long-term capital
appreciation.
Lazard Retirement Emerging Markets
Portfolio - Service Shares3
Lazard Asset Management, LLC
1.38%
5.47%
5.07%
3.58%
Seeks long-term capital
appreciation.
Lazard Retirement Global Dynamic
Multi-Asset Portfolio - Service Shares
Lazard Asset Management, LLC
1.06%2
11.94%
8.40%
-
Seeks high current
income and the
opportunity for capital
appreciation to produce
a high total return.
Lord Abbett Series Fund Bond Debenture
Portfolio - Class VC3
Lord, Abbett & Co LLC
0.89%
3.28%
5.66%
6.33%
Seeks a high level of
income consistent with
preservation of capital.
Lord Abbett Series Fund Short Duration
Income Portfolio - Class VC3
Lord, Abbett & Co LLC
0.83%
0.63%
2.42%
-
Seeks total return.
MFS® Global Real Estate Series - Service
Class3
Massachusetts Financial Services Company
1.17%2
29.87%
12.71%
11.91%
Seeks capital
appreciation.
MFS® International Growth Series - Service
Class3
Massachusetts Financial Services Company
1.13%2
8.99%
13.95%
9.73%
Seeks capital
appreciation.
MFS® Research International Series -
Service Class3
Massachusetts Financial Services Company
1.20%2
11.27%
11.90%
8.11%
Seeks total return.
MFS® Utilities Series - Service Class
Massachusetts Financial Services Company
1.03%2
13.82%
11.61%
9.65%
The Fund seeks
long-term capital growth
by investing primarily in
common stocks and
other equity securities.
Morgan Stanley VIF Discovery Portfolio,
Class II Shares
Morgan Stanley Investment Management
Inc.
1.05%2
(11.19%)
36.85%
20.11%
Seeks long-term growth
of capital by investing
primarily in securities of
companies that meet
the Fund’s
environmental, social
and governance (ESG)
criteria.
Neuberger Berman AMT Sustainable Equity
Portfolio (Class S)
Neuberger Berman Investment Advisers LLC
1.16%
23.16%
15.43%
14.11%
Seeks long-term growth
of capital and income
generation.
Neuberger Berman AMT U.S. Equity Index
PutWrite Strategy Portfolio (Class S)
Neuberger Berman Investment Advisers LLC
1.06%2
17.94%
7.91%
-
Seeks maximum real
return, consistent with
preservation of real
capital and prudent
investment
management.
PIMCO VIT All Asset Portfolio, Advisor Class
Pacific Investment Management Company
LLC (PIMCO)
1.34%2
16.04%
8.45%
5.91%
Seeks total return which
exceeds that of a blend
of 60% MSCI World
Index/40% Barclays
U.S. Aggregate Index.
PIMCO VIT Global Managed Asset Allocation
Portfolio, Advisor Class1
Pacific Investment Management Company
LLC (PIMCO)
1.21%2
12.60%
10.59%
6.03%
13
Investment Objective
Fund and
Adviser/Sub-Adviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2021)
1 Year
5 Year
10 Year
Seeks maximum total
return, consistent with
preservation of capital
and prudent investment
management.
PIMCO VIT Total Return Portfolio, Advisor
Class
Pacific Investment Management Company
LLC (PIMCO)
0.75%
(1.36%)
3.83%
3.33%
Seeks capital
appreciation.
Putnam VT Global Health Care Fund -
Class IB Shares3
Putnam Investment Management, LLC,
investment advisor. Though the investment
advisor has retained the services of both
Putnam Investments Limited (PIL) and The
Putnam Advisory Company, LLC (PAC), PIL
and PAC do not currently manage any assets
of the fund.
0.99%
19.40%
15.70%
15.92%
Seeks capital growth.
Current income is a
secondary objective.
Putnam VT International Value Fund -
Class IB Shares3
Putnam Investment Management, LLC,
investment advisor. Though the investment
advisor has retained the services of both
Putnam Investments Limited (PIL) and The
Putnam Advisory Company, LLC (PAC), PIL
and PAC do not currently manage any assets
of the fund.
1.12%
14.94%
8.09%
7.01%
Seeks capital growth
and current income.
Putnam VT Large Cap Value Fund - Class IB
Shares3
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.
0.81%
27.30%
13.81%
14.11%
Seeks long-term capital
appreciation.
Putnam VT Sustainable Future Fund -
Class IB Shares3
Putnam Investment Management, LLC.
Though the investment advisor has retained
the services of Putnam Investments Limited
(PIL), PIL does not currently manage any
assets.
0.99%
6.07%
17.24%
15.92%
Seeks long-term capital
appreciation.
Putnam VT Sustainable Leaders Fund -
Class IB Shares3
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.
0.89%
23.56%
22.51%
18.29%
14
Investment Objective
Fund and
Adviser/Sub-Adviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2021)
1 Year
5 Year
10 Year
Seeks high current
income, consistent with
preservation of capital,
with capital appreciation
as a secondary
consideration. Under
normal market
conditions, the fund
invests at least 80% of
its net assets in debt
securities of any
maturity.
Templeton Global Bond VIP Fund - Class 21
Franklin Advisers, Inc.
0.76%2
(4.99%)
(0.94%)
1.13%
Seeks long-term capital
appreciation by
investing in common
stocks of gold-mining
companies. The Fund
may take current
income into
consideration when
choosing investments.
VanEck VIP Global Gold Fund (Class S
Shares)
Van Eck Associates Corporation
1.45%2
(14.01%)
9.25%
-
Seeks to provide a high
level of total return that
is consistent with an
aggressive level of risk.
Variable Portfolio - Aggressive Portfolio
(Class 2)
Columbia Management Investment Advisers,
LLC
1.04%
14.99%
9.99%
8.41%
Seeks to provide a high
level of total return that
is consistent with a
conservative level of
risk.
Variable Portfolio - Conservative Portfolio
(Class 2)
Columbia Management Investment Advisers,
LLC
0.89%
9.30%
5.47%
4.50%
Pursues total return
while seeking to
manage the Fund’s
exposure to equity
market volatility.
Variable Portfolio - Managed Risk Fund
(Class 2)
Columbia Management Investment Advisers,
LLC
1.04%
7.79%
-
-
Pursues total return
while seeking to
manage the Fund’s
exposure to equity
market volatility.
Variable Portfolio - Managed Risk U.S. Fund
(Class 2)
Columbia Management Investment Advisers,
LLC
0.99%
9.79%
-
-
Pursues total return
while seeking to
manage the Fund’s
exposure to equity
market volatility.
Variable Portfolio - Managed Volatility
Conservative Fund (Class 2)
Columbia Management Investment Advisers,
LLC
0.95%
8.12%
5.56%
-
Pursues total return
while seeking to
manage the Fund’s
exposure to equity
market volatility.
Variable Portfolio - Managed Volatility
Conservative Growth Fund (Class 2)
Columbia Management Investment Advisers,
LLC
0.98%
9.15%
6.44%
-
15
Investment Objective
Fund and
Adviser/Sub-Adviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2021)
1 Year
5 Year
10 Year
Pursues total return
while seeking to
manage the Fund’s
exposure to equity
market volatility.
Variable Portfolio - Managed Volatility Growth
Fund (Class 2)
Columbia Management Investment Advisers,
LLC
1.02%
11.30%
8.08%
-
Pursues total return
while seeking to
manage the Fund’s
exposure to equity
market volatility.
Variable Portfolio - Managed Volatility
Moderate Growth Fund (Class 2)
Columbia Management Investment Advisers,
LLC
0.98%
10.37%
7.38%
-
Seeks to provide a high
level of total return that
is consistent with a
moderate level of risk.
Variable Portfolio - Moderate Portfolio
(Class 2)
Columbia Management Investment Advisers,
LLC
0.95%
12.86%
7.96%
6.61%
Seeks to provide a high
level of total return that
is consistent with a
moderately aggressive
level of risk.
Variable Portfolio - Moderately Aggressive
Portfolio (Class 2)
Columbia Management Investment Advisers,
LLC
0.99%
14.03%
9.00%
7.51%
Seeks to provide a high
level of total return that
is consistent with a
moderately conservative
level of risk.
Variable Portfolio - Moderately Conservative
Portfolio (Class 2)
Columbia Management Investment Advisers,
LLC
0.92%
11.00%
6.68%
5.54%
Seeks to provide
shareholders with a high
level of current income
while conserving the
value of the investment
for the longest period of
time.
Variable Portfolio - Partners Core Bond Fund
(Class 2)
Columbia Management Investment Advisers,
LLC, adviser; J.P. Morgan Investment
Management Inc. and Allspring Global
Investments, LLC, subadvisers.
0.72%
7.97%
4.26%
3.54%
Seeks to provide
shareholders with
long-term capital growth.
Variable Portfolio - Partners Core Equity Fund
(Class 2)
Columbia Management Investment Advisers,
LLC, adviser; J.P. Morgan Investment
Management Inc. and T. Rowe Price
Associates, Inc., subadvisers.
0.93%
16.73%
12.22%
10.54%
Seeks to provide
shareholders with
long-term growth of
capital.
Variable Portfolio - Partners International
Core Equity Fund (Class 2)
Columbia Management Investment Advisers,
LLC, adviser; Schroder Investment
Management North America Inc.,
subadviser; Schroder Investment
Management North America Limited,
sub-subadviser.
1.05%
10.96%
5.24%
4.28%
Seeks to provide
shareholders with
long-term capital growth.
Variable Portfolio - Partners International
Growth Fund (Class 2)
Columbia Management Investment Advisers
LLC, adviser; William Blair Investment
Management, LLC and Walter Scott &
Partners Limited, subadvisers.
1.12%2
22.30%
8.80%
6.58%
16
Investment Objective
Fund and
Adviser/Sub-Adviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2021)
1 Year
5 Year
10 Year
Seeks to provide
shareholders with
long-term capital growth.
Variable Portfolio - Partners International
Value Fund (Class 2)
Columbia Management Investment Advisers,
LLC, adviser; Pzena Investment
Management, LLC and Thompson, Siegel &
Walmsley LLC, subadvisers.
1.09%2
(4.14%)
3.89%
1.50%
Seeks to provide
shareholders with
long-term capital growth.
Variable Portfolio - Partners Small Cap
Growth Fund (Class 2)
Columbia Management Investment Advisers,
LLC, adviser; Scout Investments, Inc. and
Allspring Global Investments, LLC,
subadvisers.
1.10%2
38.43%
14.96%
11.30%
Seeks to provide
shareholders with
long-term capital
appreciation.
Variable Portfolio - Partners Small Cap Value
Fund (Class 2)
Columbia Management Investment Advisers,
LLC, adviser; Segall Bryant & Hamill, LLC
and William Blair Investment Management,
LLC, subadvisers.
1.11%2
3.99%
7.52%
6.81%
Pursues total return
while seeking to
manage the Fund’s
exposure to equity
market volatility.
Variable Portfolio - U.S. Flexible Conservative
Growth Fund (Class 2)
Columbia Management Investment Advisers,
LLC
0.94%
5.87%
-
-
Pursues total return
while seeking to
manage the Fund’s
exposure to equity
market volatility.
Variable Portfolio - U.S. Flexible Growth Fund
(Class 2)
Columbia Management Investment Advisers,
LLC
0.93%
4.80%
-
-
Pursues total return
while seeking to
manage the Fund’s
exposure to equity
market volatility.
Variable Portfolio - U.S. Flexible Moderate
Growth Fund (Class 2)
Columbia Management Investment Advisers,
LLC
0.93%
5.53%
-
-
Seeks long-term capital
appreciation.
Wanger Acorn3
Columbia Wanger Asset Management, LLC
0.95%
24.23%
16.89%
13.41%
Seeks long-term capital
appreciation.
Wanger International3
Columbia Wanger Asset Management, LLC
1.20%
14.36%
9.90%
6.90%
Seeks to maximize total
return.
Western Asset Variable Global High Yield
Bond Portfolio - Class II
Legg Mason Partners Fund Adviser, LLC;
Western Asset Management Company, LLC,
Western Asset Management Company
Limited & Western Asset Management Pte.
Ltd., sub-advisors.
1.07%
1.04%
5.10%
5.53%
1
Not available for contracts with applications signed on or after 12/5/2022.
2
This Fund and its investment adviser and/or affiliates have entered into a temporary expense reimbursement arrangement and/or fee waiver. The Fund’s annual expenses reflect temporary fee reductions. Please see the Fund’s prospectus for additional information.
3
Available for contracts with applications signed on or after 12/5/2022.
THIS SUPPLEMENT SHOULD BE READ AND RETAINED FOR FUTURE REFERENCE.
SUP9105-0001_(12/22)          
17

PART B.
The combined Statement of Additional Information and Financial Statements for RiverSource of New York Variable Annuity Account dated April 29, 2022 filed electronically as Part B to Post-Effective Amendment No. 3 to Registration Statement No. 333-230375, is incorporated by reference.
PART C – OTHER INFORMATION
Item 27. Exhibits
(b) Exhibits 
(a)
(i)
Consent in writing in Lieu of Meeting of IDS Life of New York establishing the IDS Life of New York Flexible Portfolio
Annuity Account dated April 17, 1996, filed electronically as Exhibit 1 to Registrant's Initial Registration Statement
No. 333-03867 is incorporated by reference.
 
(ii)
Resolution of the Board of Directors of IDS Life Insurance Company of New York adopting and approving Agreement and
Plan of Merger and subsequent name changes, dated Aug. 29, 2006, filed electronically as Exhibit 1.11 to Registrant's
Post-Effective Amendment No. 22 to Registration Statement No. 333-91691 is incorporated by reference.
(b)
 
Not applicable.
(c)
 
Form of Principal Underwriter Agreement for RiverSource Life Insurance Co. of New York Variable Annuities and Variable
Life Insurance filed electronically as Exhibit 3.1 to the Initial Registration Statement on Form N-4 for RiverSource of New
York Variable Annuity Account 2 (previously ACL Variable Annuity Account 2), RiverSource Endeavor Select(SM) Variable
Annuity, RiverSource Innovations(SM) Select Variable Annuity and RiverSource Innovations(SM) Variable Annuity, on or
about Jan. 2, 2007, is incorporated by reference.
(d)
(i)
 
(ii)
 
(iii)
Form of Traditional IRA or SEP-IRA Annuity Endorsement (form 139042) filed electronically as Exhibit 4.2 to Registrant's
Post-Effective Amendment No. 8 to Registration Statement No. 333-91691 is incorporated herein by reference.
 
(iv)
Form of Roth IRA Annuity Endorsement (form 139043) filed electronically as Exhibit 4.3 to Registrant's Post-Effective
Amendment No. 8 to Registration Statement No. 333-91691 is incorporated herein by reference.
 
(v)
Form of SIMPLE IRA Annuity Endorsement (form 139044) filed electronically as Exhibit 4.4 to Registrant's Post-Effective
Amendment No. 8 to Registration Statement No. 333-91691 is incorporated herein by reference.
 
(vi)
electronically as Exhibit 4.16 to Registrant's Post-Effective Amendment No. 22 to Registration Statement No. 333-91691, is
incorporated by reference.
 
(vii)
 
(viii)
 
(ix)
(e)
 
Form of Variable Annuity Application filed electronically as Exhibit 5 to Post-Effective Amendment No. 1 to Registration
Statement No. 333-91691 is incorporated herein by reference.See Exhibit 5 to Registration Statement No. 333-91691 filed
on 4/28/1998.
(f)
(i)
Exhibit 27(f)(1) to Post-Effective Amendment No. 28 to Registration Statement No. 333-69777 is incorporated by reference.
 
(ii)
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)
Amended and Restated Participation Agreement dated August 1, 2006, among American Centurion Life Assurance
Company, IDS Life Insurance Company of New York, Ameriprise Financial Services, Inc., AllianceBernstein L.P. and
AllianceBernstein Investments, Inc. filed electronically as Exhibit 27(h) (2) to Post-Effective Amendment No. 48 to
Registration Statement No. 333-44644 is incorporated herein by reference.
 
(ii)
Amended and Restated Fund Participation Agreement dated June 1, 2006, by and among American Centurion Life
Assurance Company, American Enterprise Life Insurance Company, American Partners Life Insurance Company, IDS Life
Insurance Company, IDS Life Insurance Company of New York, Ameriprise Financial Services, Inc. and American Century
Investment Services, Inc. filed electronically as Exhibit 27(h)(3) to Post-Effective Amendment No. 48 to Registration
Statement No. 333-44644 is incorporated herein by reference.
 
(iii)
Fund Participation Agreement dated May 1, 2006 among American Centurion Life Assurance Company, IDS Life Insurance
Company of New York, Columbia Funds Variable Insurance Trust I, Columbia Management Advisors, LLC and Columbia
Management Distributors, Inc. filed electronically as Exhibit 27(h) (13) to Post-Effective Amendment No. 48 to Registration
Statement No. 333-44644 is incorporated herein by reference.
 
(iv)
 
(v)
Amended and Restated Participation Agreement by and between Franklin Templeton Variable Insurance Products Trust,
Franklin/Templeton Distributors, Inc., American Centurion Life Assurance Company, American Enterprise Life Insurance
Company, IDS Life Insurance Company, IDS Life Insurance Company of New York, Ameriprise Financial Services, Inc.
(formerly American Express Financial Advisors Inc.), dated August 1, 2005 filed electronically as Exhibit 8.7 to Registrant's
Post-Effective Amendment No. 20 to Registration Statement No. 333-91691 is incorporated by reference.
 
(vi)
Janus Aspen Series Amended and Restated Fund Participation Agreement dated September 1, 2006, by and among American
Centurion Life Assurance Company, IDS Life Insurance Company of New York and Janus Aspen Series filed electronically
as Exhibit 27(h)(9) to Post-Effective Amendment No. 48 to Registration Statement No. 333-44644 is incorporated herein by
reference.
 
(vii)
Participation Agreement among MFS Variable Insurance Trust, American Centurion Life Assurance Company, IDS Life
Insurance Company of New York and Massachusetts Financial Services Company, dated June 15, 2006 filed electronically
as Exhibit 8.15 to Registrant’sPost-Effective Amendment No. 24 is incorporated by reference.
 
(viii)
Participation Agreement dated March 1, 2006, among IDS Life Insurance Company of New York, PIMCO Variable
Insurance Trust and Allianz Global Investors Distributors LLC filed electronically as Exhibit 8.17 to Post-Effective
Amendment No. 22 to Registration Statement No. 333-91691 is incorporated by reference.
 
(ix)
Participation Agreement dated January 1, 2007, by and among RiverSource Life Insurance Company, RiverSource
Life Insurance Co. of New York and RiverSource Distributors, Inc. filed electronically as Exhibit 8.23 to
Post-Effective Amendment No. 42 to Registration Statement No. 333-79311 is incorporated herein by reference.
 
(x)
 
(xi)
Participation Agreement by and among Wells Fargo Variable Trust and RiverSource Life Insurance Co. of New York
and Wells Fargo Distributor, LLC dated Jan. 1, 2007 filed electronically as Exhibit 8.25 to Registrant's Post-Effective
Amendment No. 24 to Registration Statement No. 333-91691 is incorporated herein by reference.
 
(xii)
 
(xiii)
 
(xiv)
 
(xv)
 
(xvi)
 
(xvii)
 
(xviii)
Amended and Restated Participation Agreement dated June 15, 2006, by and among American Centurion Life
Assurance Company, IDS Life Insurance Company of New York, Goldman Sachs Variable Insurance Trust and
Goldman, Sachs & Co. filed electronically as Exhibit 27 (h)(18) to Post-Effective Amendment No. 48 to Registration
Statement No. 333-44644 is incorporated herein by reference.
 
(xix)
Amended and Restated Participation Agreement dated September 1, 2006, by and among IDS Life Insurance
Company of New York, Legg Mason Partners Variable Portfolios I, Inc. (formerly Salomon Brothers Variable Series
Fund, Inc.), Legg Mason Partners Variable Portfolios II, Inc. (formerly Greenwich Street Series Fund, formerly Smith
Barney Series Fund, formerly Smith Barney Shearson Series Fund, formerly Shearson Series Fund), Legg Mason
Partners Variable Portfolios III, Inc. (formerly Travelers Series Fund Inc., formerly Smith Barney Travelers Series
Fund Inc.) and Legg Mason Investor Services, LLC filed electronically as Exhibit 8.14 to Post-Effective Amendment
No. 22 to Registration Statement No. 333-91691 is incorporated by reference.
 
(xx)
Amended and Restated Participation Agreement dated May 1, 2006, among The Universal Institutional Funds, Inc.,
Morgan Stanley Investment Management Inc., Morgan Stanley Distribution, Inc., American Centurion Life
Assurance Company and IDS Life Insurance Company of New York filed electronically as Exhibit 8.21 to
Post-Effective Amendment No. 22 to Registration Statement No. 333-91691 is incorporated by reference.
 
(xxi)
 
(xxii)
Participation Agreement dated Jan. 1, 2007, by and among RiverSource Life Insurance Co. of New York,
RiverSource Distributors, Inc. and Lazard Asset Management Securities LLC and Lazard Retirement Series, Inc.
filed electronically as Exhibit 8.27 to Registrant's Post-Effective Amendment No. 24 to Registration Statement
No. 333-91691 is incorporated herein by reference.
 
(xxiii)
Participation Agreement between IDS Life Insurance Company of New York and INVESCO Variable Investment
Funds, Inc, and INVESCO Distributors, Inc., dated August 13, 2001 filed electronically as Exhibit 8.8 to
Registrant's Post-Effective Amendment No. 4 to Registration Statement No. 333-91691 is incorporated herein by
reference.
(i)
 
Not Applicable.
(j)
 
Not Applicable.
(k)
 
(l)
 
(m)
 
None
(n)
 
Not applicable.
(o)
 
Not applicable.
(p)
 
Item 28. Directors and Officers of the Depositor The following are the Officers and Directors who are engaged directly or indirectly in activities relating to the Registrant or the variable annuity contracts offered by the Registrant and the executive officers of the Company: 
Name
Principal Business Address*
Position and Offices
With Depositor
Gumer C. Alvero
1765 Ameriprise Financial Center
Minneapolis, MN 55474
Chairman of the Board, President and Chief Executive
Officer
Jean B. Keffler
1010 Swingley Rd.
Livingston, MT 59047
Director
Michael J. Pelzel
 
Senior Vice President - Corporate Tax
Stephen P. Blaske
 
Senior Vice President and Chief Actuary
Mark Gorham
 
Director and Vice President - Insurance Product
Development
Karen M. Bohn
6620 Iroquois Trail
Edina, MN 55439
Director
Ronald L. Guzior
BST& Co. CPAs, LLP
26 Computer Drive West
Albany, NY 12205
Director
Brian E. Hartert
 
Director
Jason J. Poor
 
Director
Shweta Jhanji
 
Senior Vice President and Treasurer
Paula J. Minella
 
Secretary
Greg L. Ewing
 
Vice President, Chief Financial Officer and Controller
Kara D. Sherman
 
Vice President – National Sales Manager - Insurance
*
Unless otherwise noted, the business address is 70100 Ameriprise Financial Center, Minneapolis, MN 55474.
Item 29. Persons Controlled by or Under Common Control with the Depositor or the Registrant
The following is the list of subsidiaries of Ameriprise Financial, Inc:
SUBSIDIARIES AND AFFILIATES OF AMERIPRISE FINANCIAL, INC. 
Parent Company /Subsidiary Name
Jurisdiction
Ameriprise Financial, Inc.*
Delaware
Ameriprise Advisor Capital, LLC
Delaware
Ameriprise Advisor Financing, 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 AM (Asia) Limited
Hong Kong
Columbia Threadneedle Investments Japan Co., Ltd.
Japan
Columbia Threadneedle Malaysia Sdn Bhd.
Malaysia
Threadneedle Investments Singapore (Pte.) Ltd.
Singapore
Ameriprise Bank, FSB
Federal
Ameriprise Capital Trust I
Delaware
Ameriprise Capital Trust II
Delaware
Ameriprise Capital Trust III
Delaware
Parent Company /Subsidiary Name
Jurisdiction
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
Minnesota
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 Limited Partner, LLC
Delaware
Houston BBP, L.P.4
Delaware
Lionstone CREAD Partners Two, LLC
Delaware
CREAD Ventures AIV, L.P.12
Delaware
LCFRE Nashville Carothers Holdings, LLC
Delaware
LCFRE Nashville Carothers GP, L.P.
Delaware
LCFRE Nashville Carothers (TN), LP
Delaware
Lionstone Commercial Real Estate Alpha Driver Partners, L.P.
Delaware
Lionstone LORE Two, LLC
Delaware
Lionstone Oregon Real Estate One, L.P.12
Delaware
Lionstone Partners, LLC
Texas
Cash Flow Asset Management GP, LLC
Texas
Cash Flow Asset Management, L.P.5
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
Parent Company /Subsidiary Name
Jurisdiction
LPL 1111 Broadway, L.P.6
Texas
Lionstone Raleigh Development Partners GP, LLC.
Delaware
Lionstone Raleigh Development Partners, LP7
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 Tower V Investors, L.P.13
Delaware
Lionstone VA Five, LLC
Delaware
Lionstone US Value-Add Five, L.P.8
Delaware
RiverSource CDO Seed Investments, LLC
Minnesota
Columbia Management Investment Services Corp.
Minnesota
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.9 †
Luxembourg
Columbia Threadneedle Netherlands B.V.
Netherlands
BMO Portugal, Gestão de Patrimónios, S.A.
Portugal
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 Co-Investment GP LLP
Scotland
FCIT PE FP LP9
Scotland
Columbia Threadneedle PE Co-Investment FP LP9
Scotland
Columbia Threadneedle Real Estate Partners LLP10
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 REP Asset Management plc
England &
Wales
FOSCA II Manager S.à.r.l.
Luxembourg
Columbia Threadneedle REP Property Management Limited
England &
Wales
Parent Company /Subsidiary Name
Jurisdiction
Columbia Threadneedle Unit Trust Managers Limited
England
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) LP9
Scotland
F&C Climate Opportunity Partners (GP) Limited
Scotland
F&C Climate Opportunity Partners (GP) LP
Scotland
F&C Climate Opportunity Partners (Founder Partner) LP9
Scotland
F&C Equity Partners Holdings Limited
England &
Wales
F&C Equity Partners plc
England &
Wales
F&C European Capital Partners (GP) Limited
Scotland
F&C European Capital Partners (Founder Partner) LP9
Scotland
F&C European Capital Partners II (GP) Limited
Scotland
F&C European Capital Partners II (Founder Partner) LP9
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, LLC11
Delaware
Parent Company /Subsidiary Name
Jurisdiction
TAM UK International Holdings Limited
England &
Wales
Threadneedle Asset Management Oversight Limited
England &
Wales
Ameriprise International Holdings GmbH
Switzerland
Threadneedle EMEA Holdings 1, LLC
Minnesota,
USA
Threadneedle Asset Management Holdings Sàrl**
Luxembourg
CTM Holdings Limited
Malta
Columbia Threadneedle Investments (ME) Limited
Dubai
TAM Investment Limited
England &
Wales
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
Convivo Asset Management Limited
England &
Wales
Sackville TIPP Property (GP) Limited
England &
Wales
Threadneedle Investment Advisors Limited
England &
Wales
Threadneedle Portfolio Managers Limited
England &
Wales
Threadneedle Asset Management Finance Limited
England &
Wales
TMS Investment Limited
Jersey
Threadneedle International Fund Management Limited
England &
Wales
Threadneedle International Limited
England &
Wales
Threadneedle Investments (Channel Islands) Limited
Jersey
Threadneedle Investments Limited
England &
Wales
Parent Company /Subsidiary Name
Jurisdiction
Threadneedle Management Services Limited
England &
Wales
Threadneedle Capital Management Limited
England &
Wales
Threadneedle Pension Trustees Limited
England &
Wales
Threadneedle Securities 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
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 (GP) 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 Property St James (Jersey GP) Limited
Jersey
Sackville UKPEC9 St James Nominee 1 Limited
Jersey
Sackville UKPEC9 St James Nominee 2 Limited
Jersey
Sackville Property Tower (Jersey GP) Limited
Jersey
Parent Company /Subsidiary Name
Jurisdiction
Sackville UKPEC7 Tower Nominee 1 Limited
Jersey
Sackville UKPEC7 Tower Nominee 2 Limited
Jersey
Sackville Property Victoria (Jersey GP) Limited
Jersey
Sackville SPF IV Property (GP) Limited
England &
Wales
Sackville SPF IV (GP) No. 1 Limited
England &
Wales
Sackville SPF IV (GP) No. 2 Limited
England &
Wales
Sackville SPF IV (GP) No. 3 Limited
England &
Wales
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. 1 Limited
England &
Wales
Sackville UK Property Select II Nominee (1) Limited
England &
Wales
Sackville UK Property Select II (GP) No. 2 Limited
England &
Wales
Sackville UK Property Select II Nominee (2) 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
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
Parent Company /Subsidiary Name
Jurisdiction
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 UKPEC1 Leeds (GP) Limited
England &
Wales
Sackville UKPEC1 Leeds Nominee 1 Limited
England &
Wales
Sackville UKPEC1 Leeds Nominee 2 Limited
England &
Wales
Sackville UKPEC2 Galahad (GP) Limited
England &
Wales
Sackville UKPEC3 Croxley (GP) Limited
England &
Wales
Sackville UKPEC3 Croxley Nominee 1 Limited
England &
Wales
Sackville UKPEC3 Croxley Nominee 2 Limited
England &
Wales
Sackville UKPEC4 Brentford (GP) Limited
England &
Wales
Threadneedle Property Execution 1 Limited
England &
Wales
Threadneedle Property Execution 2 Limited
England &
Wales
Threadneedle Unit Trust Manager Limited
England &
Wales
Threadneedle Management Luxembourg S.A.
Luxembourg
Unless otherwise indicated all ownership interests are 100%
*
Publicly-traded company (NYSE: AMP)
**
The company has non-voting shares held by third parties
†
Regulated by Luxembourg Authority
‡
FINMA Authorized Representative office of BMO Asset Management Ltd.
1
Owned by: Ameriprise Financial, Inc. 100% profit sharing ratio with capital contribution of 124,078,760 INR (Indian currency=rupees) & 10 INR owned each by Columbia Management Investment Advisers, LLC & Ameriprise India Partner, LLC
2
Registered broker-dealer
3
Managed by members of onshore hedge fund feeders
4
Owned by: Lionstone BBP Limited Partner, LLC (2%) & Teacher Retirement System of Texas (98%)
5
Owned by: Lionstone Partners, LLC (99%) & Cash Flow Asset Management GP, LLC (1%).
6
Owned by: Lionstone Partners, LLC (99.9%) & LPL 1111 Broadway GP, LLC (0.1%)
7
Owned by Lionstone Raleigh Development Partners GP, LLC (1.88%), LS Employee Holdings, LLC (0.82%), Lionstone Oregon Real Estate One, L.P. (32.43%), California State Teachers’ Retirement System (32.43%) and State of Wisconsin Investment Board (32.43%)
8
Owned by Lionstone VA Five, LLC (2%), LVA5 Holdings, LLC (1%), Teacher Retirement System of Texas (26.2%), California State Teachers’ Retirement System (26.2%), William Marsh Rice University (5.2%) and Lion Real Estate LLC (39.4%)
9
Columbia Threadneedle AM (Holdings) plc owns a percentage of the entity
10
Columbia ThreadneedleTreasury Limited holds 1 unit
11
One-third of this entity is owned by American Express Travel Related Services.
Item 30. Indemnification
The amended and restated By-Laws of the depositor provide that the depositor will indemnify, to the fullest extent now or hereafter provided for or permitted by law, each person involved in, or made or threatened to be made a party to, any action, suit, claim or proceeding, whether civil or criminal, including any investigative, administrative, legislative, or other proceeding, and including any action by or in the right of the depositor or any other corporation, or any partnership, joint venture, trust, employee benefit plan, or other enterprise (any such entity, other than the depositor, being hereinafter referred to as an “Enterprise”), and including appeals therein (any such action or process being hereinafter referred to as a “Proceeding”), by reason of the fact that such person, such person’s testator or intestate (i) is or was a director or officer of the depositor, or (ii) is or was serving, at the request of the depositor, as a director, officer, or in any other capacity, or any other Enterprise, against any and all judgments, amounts paid in settlement, and expenses, including attorney’s fees, actually and reasonably incurred as a result of or in connection with any Proceeding, except as provided below.
No indemnification will be made to or on behalf of any such person if a judgment or other final adjudication adverse to such person establishes that such person’s acts were committed in bad faith or were the result of active and deliberate dishonesty and were material to the cause of action so adjudicated, or that such person personally gained in fact a financial profit or other advantage to which such person was not legally entitled. In addition, no indemnification will be made with respect to any Proceeding initiated by any such person against the depositor, or a director or officer of the depositor, other than to enforce the terms of this indemnification provision, unless such Proceeding was authorized by the Board of Directors of the depositor. Further, no indemnification will be made with respect to any settlement or compromise of any Proceeding unless and until the depositor has consented to such settlement or compromise.
The depositor may, from time to time, with the approval of the Board of Directors, and to the extent authorized, grant rights to indemnification, and to the advancement of expenses, to any employee or agent of the depositor or to any person serving at the request of the depositor as a director or officer, or in any other capacity, of any other Enterprise, to the fullest extent of the provisions with respect to the indemnification and advancement of expenses of directors and officers of the depositor.
Insofar as indemnification for liability arising under the Securities Act of 1933 (the “Act”) may be permitted to directors, officers and controlling persons of the depositor or the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.
Item 31. Principal Underwriter RiverSource Distributors Inc.
(a) RiverSource Distributors Inc. acts as principal underwriter for:
RiverSource Variable Annuity Account 1
RiverSource Variable Annuity Account
RiverSource Account F
RiverSource Variable Annuity Fund A
RiverSource Variable Annuity Fund B
RiverSource Variable Account 10
RiverSource Account SBS
RiverSource MVA Account
RiverSource Account MGA
RiverSource Account for Smith Barney
RiverSource Variable Life Separate Account
RiverSource Variable Life Account
RiverSource of New York Variable Annuity Account 1
RiverSource of New York Variable Annuity Account 2
RiverSource of New York Account 4
RiverSource of New York Account 7
RiverSource of New York Account 8
(b) As to each director, officer or partner of the principal underwriter: 
Name and Principal
Business Address*
 
Positions and Offices
with Underwriter
Kara D. Sherman
 
Director
Gumer C. Alvero
 
Chairman of the Board, Chief Executive Officer and
Executive Vice President
Shweta Jhanji
 
Senior Vice President and Treasurer
Name and Principal
Business Address*
 
Positions and Offices
with Underwriter
Paula J. Minella
 
General Counsel
Jason S. Bartylla
 
Chief Financial Officer
*
The business address is 70100 Ameriprise Financial Center, Minneapolis, MN 55474.
(c) RiverSource Distributors Inc., the principal underwriter during Registrant’s last fiscal year, was paid the following commissions: 
NAME OF PRINCIPAL
UNDERWRITER
NET
UNDERWRITING
DISCOUNTS AND
COMMISSIONS
COMPENSATION ON
REDEMPTION
BROKERAGE
COMMISSIONS
COMPENSATION
RiverSource Distributors, Inc.
$27,017,299
None
None
None
Item 32. Location of Accounts and Records
Not applicable.
Item 33. Management Services
Not applicable.
Item 34. Fee Representation
The RiverSource Life Insurance Co. of New York (the Company) hereby represents that the fees and charges deducted under the Contracts, in the aggregate, are reasonable in relation to the services rendered, the expenses to be incurred, and the risks assumed by the Company.
The Company hereby represents that it is relying on the November 28, 1988 no-action letter (Ref. No. IP-6-88) relating to variable annuity contracts offered as funding vehicles for retirement plans meeting the requirements of Section 403(b) of the Internal Revenue Code. Registrant further represents that it will comply with the provisions of paragraphs (1)-(4) of that letter.
SIGNATURES
As required by the Securities Act of 1933 and the Investment Company Act of 1940, RiverSource Life Insurance Co. of New York, on behalf of the Registrant, certifies that it meets all of the requirements of Securities Act Rule 485(b) for effectiveness of this Amendment to its Registration Statement to be signed on its behalf by the undersigned, thereunto duly authorized in the City of Minneapolis, and State of Minnesota, on the Dec. 2, 2022. 
 
RiverSource of New York Variable Annuity Account
 
(Registrant)
 
By:
/s/ Gumer C. Alvero
 
 
Gumer C. Alvero
Chairman of the Board and President
As required by the Securities Act of 1933, this Amended Registration Statement has been signed by the Depositor on the Dec. 2, 2022.
 
 
RiverSource Life Insurance Co. of New York
 
 
(Depositor)
 
By:
/s/ Gumer C. Alvero
 
 
Gumer C. Alvero
Chairman of the Board and President
As required by the Securities Act of 1933, Amendment to this Registration Statement has been signed by the following persons in the capacities indicated on the Dec. 2, 2022. 
Signature
Title
/s/ Gumer C. Alvero
Chairman of the Board, President and Chief Executive Officer
(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/ Jason J. Poor
Director and Vice President - Operations
Jason J. Poor
/s/ Ronald L. Guzior
Director
Ronald L. Guzior
/s/ Brian E. Hartert
Director
Brian E. Hartert
/s/ Karen M. Bohn
Director
Karen M. Bone
/s/ Mark Gorham
Director, Vice President – Insurance Products Development
Mark Gorham
/s/ Diana M. Marchesi
Director
Diana M. Marchesi
Signature
Title
/s/ Gregg L. Ewing
Vice President, Chief Financial Officer and Controller
(Principal Accounting Officer) (Chief Financial Officer)
Gregg L. Ewing
Signed pursuant to Power of Attorney to sign Amendment to this Registration Statement, dated Jan. 11, 2022 filed electronically as Exhibit (p) to Registrant’s Post-Effective Amendment No.3 to Registration Statement on Form N-4, File No. 333-230375, is incorporated herein by reference, by: 
/s/ Nicole D. Wood
 
Nicole D. Wood
Assistant General Counsel and Assistant Secretary
 
Contents of Post-Effective Amendment No. 4
This Registration Statement is comprised of the following papers and documents:
The Cover Page.
PART A.
The prospectus for:
RiverSource® RAVA 5 Access Variable Annuity (Offered for contract applications signed on or after June 22, 2020) filed electronically as Part A to Registrant's Post-Effective Amendment No.3 is incorporated by reference.
Supplement
PART B.
The combined Statement of Additional Information and Financial Statements for RiverSource of New York Variable Annuity Account dated April 29, 2022 filed electronically as Part B to Post-Effective Amendment No. 3 to Registration Statement No. 333-230375, is incorporated by reference.
Part C.
Other Information.
The signatures.
Exhibits.
Exhibit Index 
(k)
Opinion of counsel and consent to its use as to the legality of the securities being registered.
(l)
Consent of Independent Registered Public Accounting Firm

Dec. 2, 2022
RiverSource Life Insurance Co. of New York
70100 Ameriprise Financial Center
Minneapolis, MN 55474
Re:
RiverSource Life Insurance Co. of New York
  on behalf of RiverSource of New York Variable Annuity Account
 Post-Effective Amendment No. 4 on Form N-4
 File numbers 333-237300/811-07623
RiverSource RAVA 5 Access Variable Annuity
(offered for contract applications signed on or after June 22, 2020)
Ladies and Gentlemen:
I am familiar with the establishment of theRiverSource of New York Variable Annuity Account (“Account”), which is a separate account of RiverSource Life Insurance Co. of New York (“Company”) established by the Company’s Board of Directors according to applicable insurance law. I also am familiar with the above-referenced Registration Statement filed by the Company on behalf of the Account with the Securities and Exchange Commission.
I have made such examination of law and examined such documents and records as in my judgment are necessary and appropriate to enable me to give the following opinion:
1. The Company is duly incorporated, validly existing and in good standing under applicable state law and is duly licensed or qualified to do business in each jurisdiction where it transacts business. The Company has all corporate powers required to carry on its business and to issue the contracts.
2. The Account is a validly created and existing separate account of the Company and is duly authorized to issue the securities registered.
3. The contracts issued by the Company, when offered and sold in accordance with the prospectus contained in the Registration Statement and in compliance with applicable law, will be legally issued and represent binding obligations of its Company in accordance with their terms.
I hereby consent to the filing of this opinion as an exhibit to the Registration Statement.
Sincerely, 
/s/ Nicole D. Wood
 
Nicole D. Wood
Assistant General Counsel and Assistant Secretary
 

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We hereby consent to the incorporation by reference in this Post-Effective Amendment No. 4 to the Registration Statement on Form N-4 (No. 333-237300) (the “Registration Statement”) of RiverSource® RAVA 5 Access® Variable Annuity (Offered for contract applications signed on or after June 22, 2020) of our report dated April 21, 2022 relating to the financial statements of RiverSource Life Insurance Co. of New York and consent to the incorporation by reference in the Registration Statement of our report dated April 22, 2022 relating to the financial statements of each of the divisions of RiverSource of New York Variable Annuity Account indicated in our report, which appear in Post-Effective Amendment No. 3 to the Registration Statement on Form N-4 (No. 333-230375). We also consent to the reference to us as experts under the heading “Independent Registered Public Accounting Firm” and we consent to the reference to us under the heading “Experts” in such Registration Statement.

/s/ PricewaterhouseCoopers LLP

Minneapolis, Minnesota

December 2, 2022