SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM S-1
Post-Effective Amendment No. 5
to
REGISTRATION STATEMENT No. 333-139776
Under
The Securities Act of 1933
RiverSource MVA Account
(Exact name of registrant as specified in charter)
Indiana
(State or other jurisdiction of incorporation or organization)
94-2786905
(I.R.S. Employer Identification No.)
829 Ameriprise Financial Center, Minneapolis, MN 55474
(800-333-3437)
(Address, including zip code, and telephone number, including area code, of
registrant's principal executive offices)
Rodney J. Vessels
50607 Ameriprise Financial Center, Minneapolis, Minnesota 55474
(612) 671-2237
(Name, address, including zip code, and telephone number,
including area code, of agent for service)
Approximate date of commencement of proposed sale to the public: April 30, 2010
or as soon as practicable after the effective date of the Registration
Statement.
If any of the securities being registered on this Form are to be offered on a
delayed or continuous basis pursuant to Rule 415 under the Securities Act of
1933, check the following box. [X]
Pursuant to Rule 429 under the Securities Exchange Act of 1934, the prospectuses
contained herein also relate to and constitute a Post-Effective Amendment to
Securities Act Registration Statement Nos. 333-114937, 333-65080 and 333-86297.
Calculation of Registration Fee
TITLE OF EACH CLASS OF
PROPOSED MAXIMUM
SECURITIES TO BE AMOUNT TO BE
AGGREGATE OFFERING AMOUNT OF PROPOSED MAXIMUM
REGISTERED REGISTERED OFFERING PRICE PER
PRICE* REGISTRATION FEE UNIT
---------------------------------------------------------- ---------------- ------------------
Interests in the N/A
Guarantee Period
Accounts of
RiverSource(R) AccessChoice Select Variable Annuity
RiverSource(R) Builder Select Variable Annuity
RiverSource(R) Endeavor Select Variable Annuity
RiverSource(R) FlexChoice Variable Annuity
RiverSource(R) FlexChoice Select Variable Annuity
RiverSource(R) Galaxy Premier Variable Annuity
RiverSource(R) Innovations Variable Annuity
RiverSource(R) Innovations Select Variable Annuity
RiverSource(R) Innovations Classic Variable Annuity
RiverSource(R) Innovations Classic Select Variable Annuity
RiverSource(R) New Solutions Variable Annuity
RiverSource(R) Pinnacle Variable Annuity
RiverSource(R) Signature Variable Annuity
RiverSource(R) Signature Select Variable Annuity
RiverSource(R) Signature One Variable Annuity
RiverSource(R) Signature One Select Variable Annuity
Evergreen Essential(SM) Variable Annuity
Evergreen New Solutions Variable Annuity
Evergreen New Solutions Select Variable Annuity
Evergreen Pathways(SM) Variable Annuity
Evergreen Pathways(SM) Select Variable Annuity
Evergreen Privilege(SM) Variable Annuity
Wells Fargo Advantage(R) Variable Annuity
Wells Fargo Advantage(R) Select Variable Annuity
Wells Fargo Advantage(R) Builder Variable Annuity
Wells Fargo Advantage Choice(SM) Variable Annuity
Wells Fargo Advantage Choice(SM) Select Variable Annuity
PART I.
INFORMATION REQUIRED IN PROSPECTUS
The prospectuses included in the following registration statements containing
information for the RiverSource MVA Account filed as described below are
incorporated herein by reference.
RiverSource(R) Signature Variable Annuity, RiverSource(R) Signature Select
Variable Annuity as part of Post-Effective Amendment No. 8 for Registration
Statement No. 333-139760 on Form N-4 for RiverSource Variable Annuity
Account filed on or about April 23, 2010.
RiverSource(R) Galaxy Premier Variable Annuity and RiverSource(R) Pinnacle
Variable Annuity(R), filed as a part of Post-Effective Amendment No. 4 for
Registration No. 333-139761 on Form N-4 for RiverSource Variable Annuity
Account filed on or about April 23, 2010.
RiverSource(R) Signature One Variable Annuity, RiverSource(R) Signature One
Select Variable Annuity, Wells Fargo Advantage(R) Builder Variable Annuity,
RiverSource(R) Builder Select Variable Annuity, and Wells Fargo
Advantage(R) Variable Annuity as part of Post-Effective Amendment No. 10
for Registration Statement No. 333-139762 on Form N-4 for RiverSource
Variable Annuity Account filed on or about April 23, 2010.
RiverSource(R) AccessChoice Select Variable Annuity, RiverSource(R)
FlexChoice Variable Annuity, RiverSource(R) FlexChoice Select Variable
Annuity, Evergreen Privilege(SM) Variable Annuity, Evergreen Pathways(SM)
Variable Annuity, Evergreen Pathways(SM)Select Variable Annuity, Wells
Fargo Advantage Choice(SM) Variable Annuity, and Wells Fargo Advantage
Choice(SM) Select Variable Annuity, as part of Post-Effective Amendment No.
15 for Registration Statement No. 333-139759 on Form N-4 for RiverSource
Variable Annuity Account filed on or about April 23, 2010.
RiverSource(R) Endeavor Select Variable Annuity, RiverSource(R) Innovations
Variable Annuity, RiverSource(R) Innovations Select Variable Annuity,
RiverSource(R) New Solutions Variable Annuity, Evergreen Essential(SM)
Variable Annuity, Evergreen New Solutions Variable Annuity, Evergreen New
Solutions Select Variable Annuity, RiverSource(R) Innovations Classic
Variable Annuity, RiverSource(R) Innovations Classic Select Variable
Annuity, and Wells Fargo Advantage(R) Variable Annuity as a part of
Post-Effective Amendment No. 11 for Registration Statement No. 333-139763
on Form N-4 for RiverSource Variable Annuity Account filed on or about
April 23, 2010.
PART II.
INFORMATION NOT REQUIRED IN PROSPECTUS
Item 13. Other Expenses of Issuance and Distribution
The expenses of the issuance and distribution of the interests in the Guarantee
Period Accounts of the Contract to be registered, other than commissions on
sales of the Contracts, are to be borne by the registrant.
Item 14. Indemnification
The amended 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 15. Recent Sales of Unregistered Securities
Not Applicable
Item 16. (a) Exhibits
1. Form of Principal Underwriter Agreement for RiverSource Life Insurance
Company Variable Annuities and Variable Life Insurance files
electronically as Exhibit 3.1 to the Initial Registration Statement on
Form N-4 for RiverSource Variable Annuity Account (previously American
Enterprise Variable Annuity Account), RiverSource Signature(SM) Select
Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or
about Jan. 2, 2007, is incorporated by reference.
2. Certificate of Merger of IDS Life Insurance Company and Articles of
Merger of IDS Life Insurance Company and American Enterprise Life
Insurance Company filed electronically as Exhibit 2 to Post-Effective
Amendment No. 1 to Registration Statement No. 333-139776 on or about
April 24, 2007 is incorporated by reference.
3.1 Amendment and Restatement of Articles of Incorporation of American
Enterprise Life dated July 29, 1986, filed electronically as Exhibit 6.1
to American Enterprise Life Personal Portfolio Plus 2's Initial
Registration Statement No. 33-54471, filed on or about July 5, 1994, is
incorporated by reference.
3.2 Copy of Amended and Restated By-Laws of RiverSource Life Insurance
Company filed electronically as Exhibit 27(f)(2) to Post-Effective
Amendment No. 28 to Registration Statement No. 333-69777 is incorporated
by reference.
3.3 Consent in writing in lieu of a meeting of the Board of Directors of
American Enterprise Life Insurance Company establishing the American
Enterprise MVA Account dated Aug. 18, 1999, filed electronically as
Exhibit 3.3 to Registrant's Initial Registration Statement No. 333-86297,
filed on or about Aug. 31, 1999, is incorporated reference.
3.4 Copy of Certificate of Amendment of Certificate of Incorporation of IDS
Life Insurance Company dated June 22, 2006, filed electronically as
Exhibit 27(f)(1) to Post-Effective Amendment No. 28 to Registration
Statement No. 333-69777 is incorporated by reference.
4.1 Form of Deferred Annuity Contract for the American Express(R) Signature
One Variable Annuity (form 240180), filed electronically as Exhibit 4.1
to American Enterprise Variable Annuity Account's Post-Effective
Amendment No. 1 to Registration Statement No. 333-85567 on form N-4,
filed on or about Dec. 7, 1999, is incorporated by reference.
4.1(a) Form of Deferred Annuity Contract Data Pages (form 240343) filed as
Exhibit 4.1(a) to Post-Effective Amendment No. 10 to Registration
Statement No. 333-92297, is incorporated by reference.
4.2 Form of Deferred Annuity Contract for the Wells Fargo
Advantage(SM)Variable Annuity (form 44209), filed electronically as
Exhibit 4.1 to American Enterprise Variable Annuity Account's
Pre-Effective Amendment No. 1 to Registration Statement No. 333-85567 on
form N-4, filed on or about Nov. 4, 1999, is incorporated by reference.
4.3 Form of Deferred Annuity Contract for the Wells Fargo
Advantage(SM)Builder Variable Annuity (form 44210), filed electronically
as Exhibit 4.2 to American Enterprise Variable Annuity Account's
Pre-Effective Amendment No. 1 to Registration Statement No. 333-85567 on
form N-4, filed on or about Nov. 4, 1999, is incorporated by reference.
4.4 Form of Deferred Annuity Contract (form 240343), filed electronically as
Exhibit 4.1 to American Enterprise Variable Annuity Account's
Pre-Effective Amendment No. 1 to Registration Statement No. 333-92297 on
Form N-4, filed on or about Feb. 11, 2000, is incorporated by reference.
4.5 Form of Deferred Annuity Contract for American Express Signature Variable
Annuity (R) (form 43431), filed electronically as Exhibit 4.1 to American
Enterprise Variable Annuity Account's Pre-Effective Amendment No. 1 to
Registration Statement No. 333-74865 on form N-4, filed on or about Aug.
4, 1999, is incorporated by reference.
4.6 Form of Deferred Annuity Contract for the American Express(R) Galaxy
Premier Variable Annuity and the American Express
Pinnacle Variable Annuity(SM) (form 44170), filed electronically as
Exhibit 4.1 to American Enterprise Variable Annuity Account's
Pre-Effective Amendment No. 1 to Registration Statement No. 333-82149,
filed on or about Sept. 21, 1999, is incorporated by reference.
4.7 Form of Deferred Annuity Contract Option L (form 271496), filed
electronically as Exhibit 4.1 to American Enterprise Variable Annuity
Account's Pre-Effective Amendment No. 1 to Registration Statement
No.333-73958 on form N-4, filed on or Feb. 20, 2002, is incorporated by
reference.
4.8 Form of Deferred Annuity Contract Option C (form 271491), filed
electronically as Exhibit 4.2 to American Enterprise Variable Annuity
Account's Pre-Effective Amendment No. 1 to Registration Statement
No.333-73958 on form N-4, filed on or Feb. 20, 2002, is incorporated by
reference.
4.9 Form of Deferred Annuity Contract (form 272646), filed electronically as
Exhibit 4.2 to American Enterprise Variable Annuity Account's
Post-Effective Amendment No. 15 to Registration Statement No. 333-92297
on form N-4, filed on or about October 30, 2003, is incorporated by
reference.
4.10 Form of Enhanced Death Benefit Rider contracts (form 44213), filed
electronically as Exhibit 4.3 to American Enterprise Variable Annuity
Account's Pre-Effective Amendment No. 1 to Registration Statement
No.333-85567 on form N-4, filed on or about Nov. 4, 1999, is incorporated
by reference.
4.11 Form of Guaranteed Minimum Income Benefit Rider for the American Express
Signature Variable Annuity (R) and the American Express(R) Signature One
Variable Annuity (6% Accumulation Benefit Base) (form 240186), filed
electronically as Exhibit 4.2 to American Enterprise Variable Annuity
Account's Post-Effective Amendment No. 3 to Registration Statement
No.333-85567 on form N-4, filed on or about Feb. 11, 2000, is
incorporated by reference.
4.12 Form of Guaranteed Minimum Income Benefit Rider (form 240350), filed
electronically as Exhibit 4.4 to American Enterprise Variable Annuity
Account's Pre-Effective Amendment No. 1 to Registration Statement
No.333-92297 on Form N-4, filed on or about Feb. 11, 2000, is
incorporated by reference.
4.13 Form of Guaranteed Minimum Income Benefit Rider contracts (form 44214),
filed electronically as Exhibit 4.4 to American Enterprise Variable
Annuity Account's Pre-Effective Amendment No. 1 to Registration Statement
No. 333-85567 on form N-4, filed on or about Nov. 4, 1999, is
incorporated by reference.
4.14 Form of 5% Accumulation Death Benefit Rider for the American Express
Signature Variable Annuity(R) and the American Express Signature One
Variable Annuity(SM) (form 240183), filed electronically as Exhibit 4.3
to American Enterprise Variable Annuity Account's Post-Effective
Amendment No. 1 to Registration Statement No. 333-85567 on form N-4,
filed on or about Dec. 8, 1999, is incorporated by reference.
4.15 Form of Value Option Return of Purchase Payment Death Benefit Rider for
the American Express (R) Signature One Variable Annuity (form 240182),
filed electronically as Exhibit 4.11 to Registrant's Post-Effective
Amendment No. 6 to Registration Statement No. 333-86297 on form S-1,
filed on or about May 1, 2000, is incorporated by reference.
4.16 Form of 8% Performance Credit Rider for the American Express Signature
Variable Annuity(R) and the American Express(R) Signature One Variable
Annuity (form 240187), filed electronically as Exhibit 4.4 to American
Enterprise Variable Annuity Account's Post-Effective Amendment No. 2 to
Registration Statement No. 333-85567 on form N-4, filed on or about Dec.
30, 1999, is incorporated by reference.
4.17 Form of Performance Credit Rider (form 240349), filed electronically as
Exhibit 4.2 to American Enterprise Variable Annuity Account's
Pre-Effective Amendment No. 1 to Registration Statement No. 333-92297 on
Form N-4, filed on or about Feb. 11, 2000, is incorporated by reference.
4.18 Form of Benefit Protector(SM) Death Benefit Rider contracts (form
271155), filed electronically as Exhibit 4.15 to American Enterprise
Variable Annuity Account's Post-Effective Amendment No. 6 to Registration
Statement No. 333-85567 on form N-4, filed on or about March 1, 2001, is
incorporated by reference.
4.19 Form of Benefit Protector(SM) Plus Death Benefit Rider contracts (form
271156), filed electronically as Exhibit 4.16 to American Enterprise
Variable Annuity Account's Post-Effective Amendment No. 6 to Registration
Statement No. 333-85567 on form N-4, filed on or about March 1, 2001, is
incorporated by reference.
4.20 Form of Maximum Anniversary Value Death Benefit Rider (form 240346),
filed electronically as Exhibit 4.3 to American Enterprise Variable
Annuity Account's Pre-Effective Amendment No. 1 to Registration Statement
No. 333-92297, filed on or about February 11, 2000, is incorporated by
reference.
4.21 Form of Roth IRA Endorsement contracts (form 43094), filed electronically
as Exhibit 4.2 to American Enterprise Variable Annuity Account's
Pre-Effective Amendment No. 1 to Registration Statement No.333-74865 on
form N-4, filed on or about Aug. 4, 1999, incorporated by reference.
4.22 Form of SEP-IRA for the Wells Fargo Advantage(SM) Variable Annuity, the
Wells Fargo Advantage(SM) Builder Variable Annuity, the American
Express(R) Signature One Variable Annuity, the American Express(R) Galaxy
Premier Variable Annuity, and the American Express Pinnacle Variable
Annuity(SM) (form 43412), filed electronically as Exhibit 4.3 to American
Enterprise Variable Annuity Account's Pre-Effective Amendment No. 1 to
Registration Statement No. 333-72777 on form N-4, filed on or about July
8, 1999, is incorporated by reference.
4.23 Form of SEP-IRA contracts (form 43433), filed electronically as Exhibit
4.3 to American Enterprise Variable Annuity Account's Pre-Effective
Amendment No. 1 to Registration Statement No. 333-74865 on form N-4,
filed on or about Aug. 4, 1999, is incorporated by reference.
4.24 Form of Disability Waiver of Withdrawal Charges Rider (form 44215), filed
electronically as Exhibit 4.5 to American Enterprise Variable Annuity
Account's Pre-Effective Amendment No. 1 to Registration Statement No.
333-85567 on form N-4, filed on or about Nov. 4, 1999, is incorporated by
reference.
4.25 Form of Unemployment Waiver of Withdrawal Charges Rider for the Wells
Fargo Advantage(SM) Variable Annuity and the Wells Fargo Advantage(SM)
Builder Variable Annuity (form 44216), to American Enterprise Variable
Annuity Account's Pre-Effective Amendment No. 1 to Registration Statement
No. 333-85567 on form N-4, filed on or about Nov. 4, 1999, is
incorporated by reference.
4.26 Form of TSA Endorsement contracts (form 43413), filed electronically as
Exhibit 4.4 to American Enterprise Variable Annuity Account's
Pre-Effective Amendment No. 1 to Registration Statement No. 333-72777 on
form N-4, filed on or about July 8, 1999, is incorporated by reference.
4.27 Form of Traditional IRA or SEP-IRA Endorsement (form 272108) filed
electronically as Exhibit 4.11 to Post-Effective Amendment No. 10 to
Registration Statement No. 333-92297, filed on or about January 30, 2003,
is incorporated by reference.
4.28 Form of Roth IRA Endorsement (form 272109) filed electronically as
Exhibit 4.12 to Post-Effective Amendment No. 10 to Registration Statement
No. 333-92297, filed on or about January 30, 2003, is incorporated by
reference.
4.29 Form of Variable Annuity Unisex Endorsement (form 272110) filed
electronically as Exhibit 4.13 to Post-Effective Amendment No. 10 to
Registration Statement No. 333-92297, filed on or about January 30, 2003,
is incorporated by reference.
4.30 Form of Maximum Anniversary Value Death Benefit Rider (form 272869) filed
electronically as Exhibit 4.11 to American Enterprise Variable Annuity
Account's Post-Effective Amendment No. 7 to Registration Statement
No.333-74865 filed on or about February 2, 2004 is incorporated by
reference.
4.31 Form of 5% Accumulation Death Benefit Rider (form 272870) filed
electronically as Exhibit 4.12 to American Enterprise Variable Annuity
Account's Post-Effective Amendment No. 7 to Registration Statement
No.333-74865 filed on or about February 2, 2004 is incorporated by
reference.
4.32 Form of Enhanced Death Benefit Rider (form 272871) filed electronically
as Exhibit 4.13 to American Enterprise Variable Annuity Account's
Post-Effective Amendment No. 7 to Registration Statement No. 333-74865
filed on or about February 2, 2004 is incorporated by reference.
4.33 Form of Guaranteed Minimum Income Benefit Rider (Maximum Anniversary
Value Benefit Base) (form 272872) filed electronically as Exhibit 4.14 to
American Enterprise Variable Annuity Account's Post-Effective Amendment
No. 7 to Registration Statement No. 333-74865 filed on or about February
2, 2004 is incorporated by reference.
4.34 Form of Guaranteed Minimum Income Benefit Rider (5% Accumulation Benefit
Base) (form 272873) filed electronically as Exhibt 4.15 to American
Enterprise Variable Annuity Account's Post-Effective Amendment No. 7 to
Registration Statement No. 333-74865 filed on or about February 2, 2004
is incorporated by reference.
4.35 Form of Guaranteed Minimum Income Benefit Rider (Greater of Maximum
anniversary Value Benefit Base or 5% Accumulation Benefit Base) (form
272874) filed electronically as Exhibit 4.16 to American Enterprise
Variable Annuity Account's Post-Effective Amendment No. 7 to Registration
Statement No. 333-74865 filed on or about February 2, 2004 is
incorporated by reference.
4.36 Form of Guaranteed Minimum Withdrawal Benefit Rider (The Guarantor(SM)
Withdrawal Benefit) (form 272875) filed electronically as Exhibit 4.17 to
American Enterprise Variable Annuity Account's Post-Effective Amendment
No. 7 to Registration Statement No. 333-74865 filed on or about February
2, 2004 is incorporated by reference.
4.37 Form of Deferred Variable Annuity Contract (form 272876-DPSIG) filed
electronically as Exhibit 4.18 to American Enterprise Variable Annuity
Account's Post-Effective Amendment No. 7 to Registration Statement
No.333-74865 filed on or about February 2, 2004 is incorporated by
reference.
4.38 Form of Deferred Variable Annuity Contract (form 272876-DPSG1) filed
electronically as Exhibit 4.28 to American Enterprise Variable Annuity
Account's Post-Effective Amendment No. 13 to Registration Statement
No.333-85567 filed on or about February 11, 2004 is incorporated by
reference.
4.39 Form of Deferred Variable Annuity Contract (form 272876-DPWF6) filed
electronically as Exhibit 4.29 to American Enterprise Variable Annuity
Account's Post-Effective Amendment No. 13 to Registration Statement
No.333-85567 filed on or about February 11, 2004 is incorporated by
reference.
4.40 Form of Deferred Variable Annuity Contract (form 272876-DPWF8) filed
electronically as Exhibit 4.30 to American Enterprise Variable Annuity
Account's Post-Effective Amendment No. 13 to Registration Statement
No.333-85567 filed on or about February 11, 2004 is incorporated by
reference.
4.41 Form of Deferred Variable Annuity Contract (form 272876-DPFCC) filed
electronically as Exhibit 4.21 to American Enterprise Variable Annuity
Account's Post-Effective Amendment No. 5 to Registration Statement
No.333-73958 filed on or about February 10, 2004 is incorporated by
reference.
4.42 Form of Deferred Variable Annuity Contract (form 272876-DPFCL) filed
electronically as Exhibit 4.22 to American Enterprise Variable Annuity
Account's Post-Effective Amendment No. 5 to Registration Statement
No.333-73958 filed on or about February 10, 2004 is incorporated by
reference.
4.43 Form of Guaranteed Minimum Withdrawal Benefit Rider (form 273567) filed
electronically as Exhibit 4.22 to American Enterprise Variable Annuity
Account's Post-Effective Amendment No. 22 to Registration Statement No.
333-92297 filed on or about Jan. 28, 2005 is incorporated by reference.
4.44 Form of Guaranteed Minimum Accumulation Benefit Rider (form 273568) filed
electronically as Exhibit 4.23 to American Enterprise Variable Annuity
Account's Post-Effective Amendment No. 22 to Registration Statement No.
333-92297 filed on or about Jan. 28, 2005 is incorporated by reference.
4.45 Form of Annuity Endorsement (form 273566) filed electronically as Exhibit
4.24 to American Enterprise Variable Annuity Account's Post-Effective
Amendment No. 22 to Registration Statement No. 333-92297 filed on or
about Jan. 28, 2005 is incorporated by reference.
4.46 Form of Guaranteed Minimum Lifetime Withdrawal Benefit Rider (Guarantor
Withdrawal Benefit for Life (SM) Rider) (Form 273959) filed
electronically as Exhibit 4.22 to Post-Effective Amendment No. 14 to
Registration Statement No. 333-74865 filed on or about April 28, 2006, is
incorporated by reference.
4.47 Form of MVA Endorsement (form 44182) filed electronically as Exhibit 4.25
with the Initial Registration Statement on Form N-4 for RiverSource
Variable Annuity Account (previously American Enterprise Variable Annuity
Account), RiverSource Signature(SM) Select Variable Annuity and
RiverSource Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is
incorporated by reference.
4.48 Form of Withdrawal Charges Endorsement (form 44189) filed electronically
as Exhibit 4.26 with the Initial Registration Statement on Form N-4 for
RiverSource Variable Annuity Account (previously American Enterprise
Variable Annuity Account), RiverSource Signature(SM) Select Variable
Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan.
2, 2007, is incorporated by reference.
4.49 Form of Age Endorsement (form 240496) filed electronically as Exhibit
4.27 with the Initial Registration Statement on Form N-4 for RiverSource
Variable Annuity Account (previously American Enterprise Variable Annuity
Account), RiverSource Signature(SM) Select Variable Annuity and
RiverSource Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is
incorporated by reference.
4.50 Form of TSA Plan Endorsement - RVSL (form 272865) filed electronically as
Exhibit 4.30 with the Initial Registration Statement on Form N-4 for
RiverSource Variable Annuity Account (previously American Enterprise
Variable Annuity Account), RiverSource Signature(SM) Select Variable
Annuity and RiverSource
Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is incorporated
by reference.
4.51 Form of TSA Plan Endorsement - AEL (form 272865) filed electronically as
Exhibit 4.31 with the Initial Registration Statement on Form N-4 for
RiverSource Variable Annuity Account (previously American Enterprise
Variable Annuity Account), RiverSource Signature(SM) Select Variable
Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan.
2, 2007, is incorporated by reference.
4.52 Form of 401 Plan Endorsement - RVSL (form 272866) filed electronically as
Exhibit 4.32 with the Initial Registration Statement on Form N-4 for
RiverSource Variable Annuity Account (previously American Enterprise
Variable Annuity Account), RiverSource Signature(SM) Select Variable
Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan.
2, 2007, is incorporated by reference.
4.53 Form of 401 Plan Endorsement - AEL (form 272866) filed electronically as
Exhibit 4.33 with the Initial Registration Statement on Form N-4 for
RiverSource Variable Annuity Account (previously American Enterprise
Variable Annuity Account), RiverSource Signature(SM) Select Variable
Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan.
2, 2007, is incorporated by reference.
4.54 Form of Unisex Endorsement (form 272867) filed electronically as Exhibit
4.34 with the Initial Registration Statement on Form N-4 for RiverSource
Variable Annuity Account (previously American Enterprise Variable Annuity
Account), RiverSource Signature(SM) Select Variable Annuity and
RiverSource Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is
incorporated by reference.
4.55 Form of Fixed and Variable Annuity Contract (form 272876) filed
electronically as Exhibit 4.35 with the Initial Registration Statement on
Form N-4 for RiverSource Variable Annuity Account (previously American
Enterprise Variable Annuity Account), RiverSource Signature(SM) Select
Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or
about Jan. 2, 2007, is incorporated by reference.
4.56 Form of Fixed and Variable Annuity Contract - RVSL (form 273954) filed
electronically as Exhibit 4.37 with the Initial Registration Statement on
Form N-4 for RiverSource Variable Annuity Account (previously American
Enterprise Variable Annuity Account), RiverSource Signature(SM) Select
Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or
about Jan. 2, 2007, is incorporated by reference.
4.57 Form of Fixed and Variable Annuity Contract - AEL (form 273954) filed
electronically as Exhibit 4.38 with the Initial Registration Statement on
Form N-4 for RiverSource Variable Annuity Account (previously American
Enterprise Variable Annuity Account), RiverSource Signature(SM) Select
Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or
about Jan. 2, 2007, is incorporated by reference.
4.58 Form of Contract Data Pages - RVSL (form 273954 DPSIG) filed
electronically as Exhibit 4.39 with the Initial Registration Statement on
Form N-4 for RiverSource Variable Annuity Account (previously American
Enterprise Variable Annuity Account), RiverSource Signature(SM) Select
Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or
about Jan. 2, 2007, is incorporated by reference.
4.59 Form of MAV GMIB Rider - RVSL (form 273961) filed electronically as
Exhibit 4.40 with the Initial Registration Statement on Form N-4 for
RiverSource Variable Annuity Account (previously American Enterprise
Variable Annuity Account), RiverSource Signature(SM) Select Variable
Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan.
2, 2007, is incorporated by reference.
4.60 Form of MAV GMIB Rider - AEL (form 273961) filed electronically as
Exhibit 4.41 with the Initial Registration Statement on Form N-4 for
RiverSource Variable Annuity Account (previously American Enterprise
Variable Annuity Account), RiverSource Signature(SM) Select Variable
Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan.
2, 2007, is incorporated by reference.
4.61 Form of 5% GMIB Rider - RVSL (form 273962) filed electronically as
Exhibit 4.42 with the Initial Registration Statement on Form N-4 for
RiverSource Variable Annuity Account (previously American Enterprise
Variable Annuity Account), RiverSource Signature(SM) Select Variable
Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan.
2, 2007, is incorporated by reference.
4.62 Form of 5% GMIB Rider - AEL (form 273962) filed electronically as Exhibit
4.43 with the Initial Registration Statement on Form N-4 for RiverSource
Variable Annuity Account (previously American Enterprise Variable Annuity
Account), RiverSource Signature(SM) Select Variable Annuity and
RiverSource Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is
incorporated by reference.
4.63 Form of Greater of MAV or 5% GMIB Rider - RVSL (form 273963) filed
electronically as Exhibit 4.44 with the Initial Registration Statement on
Form N-4 for RiverSource Variable Annuity Account (previously American
Enterprise Variable Annuity Account), RiverSource Signature(SM) Select
Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or
about Jan. 2, 2007, is incorporated by reference.
4.64 Form of Greater of MAV or 5% GMIB Rider - AEL (form 273963) filed
electronically as Exhibit 4.45 with the Initial Registration Statement on
Form N-4 for RiverSource Variable Annuity Account (previously American
Enterprise Variable Annuity Account), RiverSource Signature(SM) Select
Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or
about Jan. 2, 2007, is incorporated by reference.
4.65 Form of Unisex Endorsement - RVSL (form 273964) filed electronically as
Exhibit 4.46 with the Initial Registration Statement on Form N-4 for
RiverSource Variable Annuity Account (previously American Enterprise
Variable Annuity Account),
RiverSource Signature(SM) Select Variable Annuity and RiverSource
Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is incorporated
by reference.
4.66 Form of Unisex Endorsement - AEL (form 273964) filed electronically as
Exhibit 4.47 with the Initial Registration Statement on Form N-4 for
RiverSource Variable Annuity Account (previously American Enterprise
Variable Annuity Account), RiverSource Signature(SM) Select Variable
Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan.
2, 2007, is incorporated by reference.
4.67 Form of 5% Death Benefit Rider - RVSL (form 273965) filed electronically
as Exhibit 4.48 with the Initial Registration Statement on Form N-4 for
RiverSource Variable Annuity Account (previously American Enterprise
Variable Annuity Account), RiverSource Signature(SM) Select Variable
Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan.
2, 2007, is incorporated by reference.
4.68 Form of 5% Death Benefit Rider - AEL (form 273965) filed electronically
as Exhibit 4.49 with the Initial Registration Statement on Form N-4 for
RiverSource Variable Annuity Account (previously American Enterprise
Variable Annuity Account), RiverSource Signature(SM) Select Variable
Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan.
2, 2007, is incorporated by reference.
4.69 Form of Greater of MAV or 5% Death Benefit Rider - RVSL (form 273966)
filed electronically as Exhibit 4.50 with the Initial Registration
Statement on Form N-4 for RiverSource Variable Annuity Account(previously
American Enterprise Variable Annuity Account), RiverSource Signature(SM)
Select Variable Annuity and RiverSource Signature(SM) Variable Annuity,
on or about Jan. 2, 2007, is incorporated by reference.
4.70 Form of Greater of MAV or 5% Death Benefit Rider - AEL (form 273966)
filed electronically as Exhibit 4.51 with the Initial Registration
Statement on Form N-4 for RiverSource Variable Annuity Account(previously
American Enterprise Variable Annuity Account), RiverSource Signature(SM)
Select Variable Annuity and RiverSource Signature(SM) Variable Annuity,
on or about Jan. 2, 2007, is incorporated by reference.
4.71 Form of Contract Data Pages (form 240343-EDP) filed electronically as
Exhibit 4.28 with the Initial Registration Statement on Form N-4 for
RiverSource Variable Annuity Account (previously American Enterprise
Variable Annuity Account), RiverSource New Solutions(SM) Variable
Annuity, RiverSource Innovations(SM) Variable Annuity, RiverSource
Innovations(SM) Select Variable Annuity, RiverSource Innovations(SM)
Classic, RiverSource Innovations(SM) Classic Select Variable Annuity,
RiverSource Endeavor Select(SM) Variable Annuity, Evergreen New Solutions
Variable Annuity, Evergreen Essential(SM) Variable Annuity, Evergreen New
Solutions Select Variable Annuity and Wells Fargo Advantage(R) Select
Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference.
4.72 Form of Contract Data Pages - RVSL (form 273954DPINN) filed
electronically as Exhibit 4.31 with the Initial Registration Statement on
Form N-4 for RiverSource Variable Annuity Account (previously American
Enterprise Variable Annuity Account), RiverSource New Solutions(SM)
Variable Annuity, RiverSource Innovations(SM) Variable Annuity,
RiverSource Innovations(SM) Select Variable Annuity, RiverSource
Innovations(SM) Classic, RiverSource Innovations(SM) Classic Select
Variable Annuity, RiverSource Endeavor Select(SM) Variable Annuity,
Evergreen New Solutions Variable Annuity, Evergreen Essential(SM)
Variable Annuity, Evergreen New Solutions Select Variable Annuity and
Wells Fargo Advantage(R) Select Variable Annuity, on or about Jan. 2,
2007, is incorporated by reference.
4.73 Form of Contract Data Pages - AEL (form 273954DPINN) filed electronically
as Exhibit 4.32 with the Initial Registration Statement on Form N-4 for
RiverSource Variable Annuity Account (previously American Enterprise
Variable Annuity Account), RiverSource New Solutions(SM) Variable
Annuity, RiverSource Innovations(SM) Variable Annuity, RiverSource
Innovations(SM) Select Variable Annuity, RiverSource Innovations(SM)
Classic, RiverSource Innovations(SM) Classic Select Variable Annuity,
RiverSource Endeavor Select(SM) Variable Annuity, Evergreen New Solutions
Variable Annuity, Evergreen Essential(SM) Variable Annuity, Evergreen New
Solutions Select Variable Annuity and Wells Fargo Advantage(R) Select
Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference.
4.74 Form of Variable Annuity Contract (form 271498) filed electronically as
Exhibit 4.29 with the Initial Registration Statement on Form N-4 for
RiverSource Variable Annuity Account (previously American Enterprise
Variable Annuity Account), RiverSource AccessChoice Select (SM) Variable
Annuity, RiverSource FlexChoice(SM) Select Variable Annuity, Evergreen
Pathways(SM) Variable Annuity, Evergreen Pathways(SM) Select Variable
Annuity, Evergreen Privilege(SM) Variable Annuity, Wells Fargo Advantage
Choice(SM) Variable Annuity and Wells Fargo Advantage Choice(SM) Select
Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference.
4.75 Form of Contract Data Pages - RVSL (form 273954DPFCC) ) filed
electronically as Exhibit 4.33 with the Initial Registration Statement on
Form N-4 for RiverSource Variable Annuity Account (previously American
Enterprise Variable Annuity Account), RiverSource AccessChoice Select(SM)
Variable Annuity, RiverSource FlexChoice(SM) Select Variable Annuity,
Evergreen Pathways(SM) Variable Annuity, Evergreen Pathways(SM) Select
Variable Annuity, Evergreen Privilege(SM) Variable Annuity, Wells Fargo
Advantage Choice(SM) Variable Annuity and Wells Fargo Advantage
Choice(SM) Select Variable Annuity, on or about Jan. 2, 2007, is
incorporated by reference.
4.76 Form of Contract Data Pages - AEL (form 273954DPFCC) ) filed
electronically as Exhibit 4.34 with the Initial Registration Statement on
Form N-4 for RiverSource Variable Annuity Account (previously American
Enterprise Variable Annuity Account), RiverSource AccessChoice Select(SM)
Variable Annuity, RiverSource
FlexChoice(SM) Select Variable Annuity, Evergreen Pathways(SM) Variable
Annuity, Evergreen Pathways(SM) Select Variable Annuity, Evergreen
Privilege(SM) Variable Annuity, Wells Fargo Advantage Choice(SM) Variable
Annuity and Wells Fargo Advantage Choice(SM) Select Variable Annuity, on
or about Jan. 2, 2007, is incorporated by reference.
4.77 Form of Contract Data Pages - RVSL (form 273954DPFCL) ) filed
electronically as Exhibit 4.35 with the Initial Registration Statement on
Form N-4 for RiverSource Variable Annuity Account (previously American
Enterprise Variable Annuity Account), RiverSource AccessChoice Select(SM)
Variable Annuity, RiverSource FlexChoice(SM) Select Variable Annuity,
Evergreen Pathways(SM) Variable Annuity, Evergreen Pathways(SM) Select
Variable Annuity, Evergreen Privilege(SM) Variable Annuity, Wells Fargo
Advantage Choice(SM) Variable Annuity and Wells Fargo Advantage
Choice(SM) Select Variable Annuity, on or about Jan. 2, 2007, is
incorporated by reference.
4.78 Form of Contract Data Pages - AEL (form 273954DPFCL) ) filed
electronically as Exhibit 4.36 with the Initial Registration Statement on
Form N-4 for RiverSource Variable Annuity Account (previously American
Enterprise Variable Annuity Account), RiverSource AccessChoice Select(SM)
Variable Annuity, RiverSource FlexChoice(SM) Select Variable Annuity,
Evergreen Pathways(SM) Variable Annuity, Evergreen Pathways(SM) Select
Variable Annuity, Evergreen Privilege(SM) Variable Annuity, Wells Fargo
Advantage Choice(SM) Variable Annuity and Wells Fargo Advantage
Choice(SM) Select Variable Annuity, on or about Jan. 2, 2007, is
incorporated by reference.
4.79 Form of Contract Data Pages - RVSL (form 273954DPSG1) filed
electronically as Exhibit 4.39 with the Initial Registration Statement on
Form N-4 for RiverSource Variable Annuity Account (previously American
Enterprise Variable Annuity Account), RiverSource Signature(SM) One
Variable Annuity, RiverSource Signature(SM) One Select Variable Annuity,
Wells Fargo Advantage(R) Builder Select Variable Annuity, Wells Fargo
Advantage(R) Builder Variable Annuity and Wells Fargo Advantage(R)
Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference.
4.80 Form of Contract Data Pages - AEL (form 273954DPSG1) filed electronically
as Exhibit 4.40 with the Initial Registration Statement on Form N-4 for
RiverSource Variable Annuity Account (previously American Enterprise
Variable Annuity Account), RiverSource Signature(SM) One Variable
Annuity, RiverSource Signature(SM) One Select Variable Annuity, Wells
Fargo Advantage(R) Builder Select Variable Annuity, Wells Fargo
Advantage(R) Builder Variable Annuity and Wells Fargo Advantage(R)
Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference.
4.81 Form of Contract Data Pages - RVSL (form 273954DPWFB) filed
electronically as Exhibit 4.41 with the Initial Registration Statement on
Form N-4 for RiverSource Variable Annuity Account (previously American
Enterprise Variable Annuity Account), RiverSource Signature(SM) One
Variable Annuity, RiverSource Signature(SM) One Select Variable Annuity,
Wells Fargo Advantage(R)
Builder Select Variable Annuity, Wells Fargo Advantage(R) Builder
Variable Annuity and Wells Fargo Advantage(R) Variable Annuity, on or
about Jan. 2, 2007, is incorporated by reference.
4.82 Form of Contract Data Pages - AEL (form 273954DPWFB) filed electronically
as Exhibit 4.42 with the Initial Registration Statement on Form N-4 for
RiverSource Variable Annuity Account (previously American Enterprise
Variable Annuity Account), RiverSource Signature(SM) One Variable
Annuity, RiverSource Signature(SM) One Select Variable Annuity, Wells
Fargo Advantage(R) Builder Select Variable Annuity, Wells Fargo
Advantage(R) Builder Variable Annuity and Wells Fargo Advantage(R)
Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference.
4.83 Form of Unisex Traditional and SEP IRA Endorsement (form 43412) filed
electronically as Exhibit 4.3 to American Enterprise Variable Annuity
Account's Pre-Effective Amendment No. 1 to Registration Statement No.
333-74865, on or about Aug 4, 1999, is incorporated by reference.
4.84 Form of Guaranteed Minimum Withdrawal Benefit Single Life Rider (form
273959-sg) filed electronically as Exhibit 4.51 to RiverSource Variable
Annuity Account Post-Effective Amendment No. 1 to Registration Statement
333-139763 on or about Feb. 23, 2007, is incorporated herein by
reference.
4.85 Form of Guaranteed Minimum Withdrawal Benefit Joint Life Rider (form
273959-jt) filed electronically as Exhibit 4.52 to RiverSource Variable
Annuity Account's Post-Effective Amendment No. 1 to Registration
Statement 333-139763 on or about Feb. 23, 2007, is incorporated herein by
reference.
4.86 Form of Contract Data Pages - RVSL (form 273954DPBAC) filed
electronically as Exhibit 4.57 to Registrant's Post-Effective Amendment
No. 3 to Registration Statement No. 333-139763 on or about May 18, 2007
is incorporated herein by reference.
4.87 Form of Contract Data Pages - RVSL (form 273954DPBA7) filed
electronically as Exhibit 4.58 to Registrant's Post-Effective Amendment
No. 3 to Registration Statement No. 333-139763 on or about May 18, 2007
is incorporated herein by reference.
5. Opinion of Counsel and consent to its use as to the securities being
registered, is filed electronically herewith.
6-22. Not applicable.
23. Consent of Independent Registered Public Accounting Firm, is filed
electronically herewith.
24. Power of Attorney to sign Amendment to this Registration Statement, dated
Oct. 22, 2008, and filled electronically as Exhibit 13. to RiverSource
Variable Annuity Account's Post-Effective Amendment No.5 to registration
Statement No. 333-139760 filed on or about April 24, 2009 is incorporated
herein by reference.
25-99. Not applicable.
Item 17. Undertakings
Registrant hereby undertakes:
(1) To file, during any period in which offers or sales are being made, a
post-effective amendment to this registration statement:
(i) To include any prospectus required by section 10(a)(3) of the
Securities Act of 1933,
(ii) To reflect in the prospectus any facts or events arising after
the effective date of the registration statement (or the most recent
post-effective amendment thereof) which, individually or in the aggregate,
represent a fundamental change in the information set forth in the
registration statement,
(iii) To include any material information with respect to the plan of
distribution not previously disclosed in the registration statement or any
material change to such information in the registration statement,
(iv) Registrant represents that it is relying upon the no-action
assurance given to the American Council of Life Insurance (pub. Avail. Nov.
28, 1988). Further, Registrant represents that it has complied with the
provisions of paragraphs (1) - (4) of that no-action letter.
(2) That, for the purpose of determining any liability under the Securities Act
of 1933, each such post-effective amendment shall be deemed a new
registration statement relating to the securities offered therein, and the
offering of such securities at that time shall be deemed to be the initial
bona fide offering thereof.
(3) That all post-effective amendments will comply with the applicable forms,
rules and regulations of the Commission in effect at the time such
post-effective amendments are filed, and
(4) To remove from registration by means of a post-effective amendment any of
the securities being registered which remain unsold at the termination of
the offering.
SIGNATURES
Pursuant to the requirements of the Securities Act of 1933, the Registrant has
duly caused this 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 23rd day of April, 2010.
RiverSource MVA Account
(Registrant)
By RiverSource Life Insurance Company
By /s/ John R. Woerner*
-------------------------------------
John R. Woerner
Chairman of the Board and President
Pursuant to the requirements of the Securities Act of 1933, this Registration
Statement has been signed by the following persons in the capacities indicated
on the 23rd day of April, 2010.
Signature Title
--------- -----
/s/ Gumer C. Alvero* Director and Executive Vice
------------------------------------- President - Annuities
Gumer C. Alvero
/s/ Richard N. Bush* Senior Vice President - Corporate Tax
-------------------------------------
Richard N. Bush
/s/ Brian J. McGrane* Director, Executive Vice President and
------------------------------------- Chief Financial Officer
Brian J. McGrane
/s/ Kevin E. Palmer* Director, Vice President and Chief
------------------------------------- Actuary
Kevin E. Palmer
/s/ Bridget M. Sperl* Director and Executive Vice President -
------------------------------------- Client Services
Bridget M. Sperl
/s/ David K. Stewart* Vice President and Controller
------------------------------------- (Principal Accounting Officer)
David K. Stewart
/s/ William F. "Ted" Truscott* Director
-------------------------------------
William F. "Ted" Truscott
/s/ John R. Woerner* Chairman of the Board and President
-------------------------------------
John R. Woerner
* Signed pursuant to Power of Attorney dated Oct.22, 2008 filed
electronically as Exhibit 13. to RiverSource Variable Annuity Account's
Post-Effective Amendment No.5 to Registration Statement No. 333-139760,
filed on or about April 24, 2009 and incorporated by reference herein, by:
/s/ Rodney J. Vessels
-------------------------------------
Rodney J. Vessels
Assistant General Counsel and
Assistant Secretary
EXHIBIT INDEX
5. Opinion of Counsel and Consent
23. Consent of Independent Registered Public Accounting Firm for RiverSource
MVA Account