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Making the most of your relationshipwith Ameriprise FinancialInform and educate yourself Seek out information by asking your financial advisorquestions about your financial plan, your accounts,specific transactions, risks, potential conflicts ofinterest, financial terminology, commissions, salescharges and fees. If you don’t understand the purpose of arecommendation by your financial advisor, askquestions until you fully understand. Read thoroughly all sales literature, prospectuses,account agreements, policies and contracts, and,when available, other offering documents beforemaking financial decisions. Consider carefully allrisks, fees and other factors explained in thesedocuments. Remember — every investment hassome degree of risk, and it is possible to losemoney on any investment. Ask your financial advisor how you may be able tomanage these risks. Some risks relate to marketfluctuations, inflation rates, credit ratings of bondand securities issuers, tax issues, currency-exchangerates for international investments, the liquidity ofyour investments and withdrawal rates. Withdrawal-rate risks are especially critical if you arepreparing for or are in retirement, and your withdrawalrate is a major factor in how long your assets willlast. Even when your portfolio is appropriatelystructured and your investments are performing well,we recommend that you consider several factorswhen deciding how or when to withdraw your money.In general, your age, your life expectancy, and thetype and amount of your investments will help youdetermine the best way to access your money.Periodically reviewing your retirement income strategywith your financial advisor can help you plan for andmanage this risk over time.Communicate with your financial advisor Provide complete and accurate information aboutyour financial situation, goals and risk toleranceso your financial advisor can provide you withappropriate planning advice and recommendations. Review your financial plan and portfolio regularly,including whenever you experience a significantchange in your life. You may also want to makeappropriate changes based on the performanceof your investments. Notify your financial advisor promptly wheneveryou experience a significant change in your life,for example, if your financial goals, income or networth changes. Tell your financial advisor about mutual fund holdingsyou own outside of Ameriprise Financial, so he orshe can make sure you receive any applicable“breakpoint” discount.Keep your accounts current Work with your financial advisor to ensure you haveadequate cash holdings or available margin-buyingpower in your investment accounts. When buyingsecurities, withdrawing money from your account orpaying fees, having adequate cash on hand will makethese processes faster and easier. Review all transaction confirmations and accountstatements or reports carefully. If you find an erroror discrepancy, please promptly contact your financialadvisor or call us at 800.862.7919. When things change — like your address, othercontact information or even beneficiary designations— let us know right away so that we can stay in touchwithout interruption and stay current with your wishes. Please remember, all states require financial firms toreport and remit client accounts with undeliverableaddresses or no sign of client activity after a statespecified period of time, which can easily beavoided by keeping your accounts and personalinformation current.Use the right resources — carefully Understand that Ameriprise Financial does not providelegal or tax advice. You should consult an attorney ora tax adviser for legal and tax questions, respectively. Keep in mind that you are fully responsible for allyour financial decisions. Consider carefully the validity and reliability offinancial and investment information obtainedfrom all sources, especially unsolicited informationobtained over the Internet. The opinions of your financial advisor should neverbe interpreted as a guarantee of future performanceor rate of return. It’s important to understand that the manner in whichyour advisor is compensated — described later in thisguide — may create a potential conflict of interest. Webelieve it’s in everyone’s best interest to know aboutpotential conflicts of interest up front. To that end,if you have any questions about conflicts of interestafter reading this guide, discuss them with yourfinancial advisor.3

Understanding your financial solutionsAs you begin pursuing your financial goals, it’s important to understand the features as well as the fees, costs and otherfactors associated with the products and services you may purchase. While not all the information will apply to your specificsituation today, we encourage you to refer to this information whenever you purchase new products or services.Our products and servicesFinancial planningAdditional product detailsFinancial planning servicesOur flexible approach to financial planning is based on yourunique situation and financial goals. We’ll help you plan foryour dreams and goals based on an integrated view of yourfinancial life, create personalized written recommendationsand help you track your progress over time.Ameriprise financial planning service feesFees are determined by the complexity of your situationand your financial advisor’s financial planning fee schedule.When you participate in ongoing financial planning, you payan annual fee. The fee for the first year of service may differfrom the fee you pay in future years. You also have the optionto engage in a consolidated advisory fee relationship forwhich you will pay a single asset-based fee for the AdvisorySolutions program and financial planning.Before purchasing financial products, be sure to read thesedocuments (provided by your financial advisor or online.)Ameriprise Financial Planning Service ClientDisclosure BrochureAmeriprise Financial Planning Service AgreementOther things to considerThe initial meeting is free of charge, and is an opportunity toshare your dreams and goals and get to know your advisor.In most cases you may need only one agreement, amendedas needed for fee changes, relating to your ongoing financialplanning services.The financial planning recommendations you receiveare portable. You can act on these recommendations bypurchasing products and services through Ameriprise Financialor another financial services provider.Over the course of your relationship with Ameriprise Financial,you may work with more than one financial advisor. If for anyreason your financial advisor changes, we will work with youto ensure that your needs are met during that transition. Atall times, we remain committed to helping you achieve yourfinancial goals.AccountsAdditional product detailsTransaction-based brokerage accountsMany of the products you purchase are held in yourAmeriprise Brokerage account or Ameriprise ONE Financial Account.Brokerage feesTransaction charges. You may pay commissions, salescharges and/or other fees on products purchased and soldin your brokerage account.Before purchasing financial products, be sure to readthese documents at ameriprise.com/disclosures:Account maintenance fees. The account maintenance fee willbe deducted directly from the cash balance in your account.If there is not enough cash in your account to cover the fee,we may sell securities in your account in an amount sufficientto cover the full year’s fee. In some instances, the accountmaintenance fee may be waived by Ameriprise Financial orreimbursed by your advisor.Ameriprise Brokerage Client AgreementOther Important Brokerage DisclosuresMargin Disclosure StatementAmeriprise Financial Schedule of Account andService FeesService fees. If applicable, fees for wire transfers, returnedchecks, overnight delivery and similar services will bededucted directly from the cash balance in your account.Note that the fee schedule may be revised from time totime. Service fees may be waived by Ameriprise Financialor reimbursed by your advisor.Interest on margin account. If you have an account withmargin-lending capabilities, you will be charged intereston any outstanding debit balance.4

Accounts (continued)Additional product details (continued)Transaction-based brokerage accounts (continued)Other things to consider You will not be charged an annual asset-based feeon products held in a brokerage account. Your brokerage account maintenance fee or applicableservice fees may be reimbursed under certaincircumstances — for example, the account maintenancefee is reimbursed when you or your household maintainsa certain account balance. In addition, under certaincircumstances, your financial advisor has the abilityto reimburse your account for service fees or accountmaintenance fees through a program made available byAmeriprise Financial.To learn more about available fee reimbursement andwaiver programs, talk with your financial advisor.Advisory solutionsWith the Ameriprise Custom Advisory Relationship, youhave access to all advisory solutions (managed accounts)at Ameriprise within a single advisory client agreement. Alladvisory solutions accounts have a single pricing framework:Advisory service feesAnnual asset-based fee. For each account, you pay an annualasset-based fee (wrap fee) based on the services providedand the assets held within your advisory account(s). Thisannual fee is broken into monthly payments.Nondiscretionary advisory accounts provide you access toa broad array of mutual funds, exchange traded funds (ETF)and other publicly traded securities. You can bring all yourinvestments together into one coordinated and flexibleportfolio, allocated according to your investment needs,with the added benefits of ongoing financial advice andportfolio reviews.Service fees. Fees, if applicable, are deducted directly fromthe cash balance in your account (e.g., wire transfers andreturned check fees). A complete list can be viewed online atameriprise.com/brokeragefees.Discretionary advisory accounts are available in a varietyof solutions: A variety of asset-allocated portfolios comprised of mutualfund and/or ETF portfolios are overseen by professionalinvestment managers who provide asset allocation,investment selection, and portfolio construction withongoing monitoring and dynamic reallocation. Your Ameriprise financial advisor directs the purchase orsale of a broad array of mutual funds and other publiclytraded securities within a single account on your behalf.Your financial advisor will purchase and sell securities inyour Account that are suitable for you and consistent withyour investment objectives, time horizon, financial situationand risk tolerance. Separately managed accounts (SMAs) give you access toprofessional investment managers who typically provideservices to institutional investors like pension plans andfoundations. In addition, SMAs allow you direct ownershipof securities, providing greater transparency of holdings, thepotential for customization based on your individual valuesand personal tax-management opportunities.Interest on margin account. You will be charged intereston the outstanding margin balance if you have a marginaccount. Margin is only available for nondiscretionaryinvestment advisory accounts.Fees may vary. The components of the asset-based fee areseparately itemized as an Advisory Fee, a Platform Fee anda Manager Fee. Based on the advisory program you select,the components of your asset-based fee will vary. Pleaseconsult the Ameriprise Managed Accounts Client DisclosureBrochure and the Ameriprise Custom Advisory RelationshipAgreement, available at ameriprise.com/disclosures or fromyour financial advisor, for details.Householding of account assets. The asset-based feeprovides householding benefits across all advisory programs.Other things to consider You will not pay sales charges on investment advisoryassets purchased in managed accounts. If Ameriprisereceives 12b-1 fees for mutual funds held in managedaccounts, they will be rebated to your account(s).Investment products you purchase within your advisoryaccount have their own underlying fees and expenses.These costs are in addition to the asset-based fee thatyou pay directly from your account. They are paid indirectlyby you; for example, as a shareholder in a mutual fund,through the product. Examples of those fees and expensesare described later in the investment product overviews. You will not be charged an account maintenance fee foradvisory programs.5

Accounts (continued)Advisory solutions (continued) Unified managed accounts (UMAs) are innovativeinvestment vehicles that can hold SMAs, mutual fundsand ETFs in a single account. UMAs give you access totop investment managers at lower asset levels, all in oneunified account.Before entering into a custom advisory relationship andassociated account(s), be sure to read the followingdocuments (provided by your financial advisor or online): Ameriprise Managed Accounts Client Disclosure Brochure,or if you have elected to pay a consolidated advisory fee,the Ameriprise Managed Accounts and Financial PlanningService Disclosure Brochure Ameriprise Custom Advisory Relationship Agreement Ameriprise Brokerage Client Agreement Other Important Brokerage Disclosures Ameriprise Financial Schedule of Account and Service Fees The Pension Protection Act (PPA) Advice Exemption:What Our Clients Should Know for applicable qualifiedaccounts Financial advisor(s) ADV Brochure supplement Any applicable portfolio/strategy fact sheets Available information about the trading practices of eachinvestment manager, including the average cost of step-outtrades for the applicable investment strategy.Individual retirement accounts (IRAs)An IRA is designed to help you save for your retirement.The Internal Revenue Service (IRS) restricts the amountyou can contribute to an IRA. Ameriprise Financial offersa variety of IRAs, including traditional IRAs, Roth IRAs,Simplified Employee Pension (SEP) IRAs and more. IRAscan include a variety of account types, including transactionbased brokerage, fee-based investment advisory and faceamount certificate accounts.Before opening an IRA account, be sure to read thefollowing documents (provided by your financial advisor): Your Guide to IRAsYour Guide to Roth IRAsYour Guide to SIMPLE IRAsAmeriprise Financial Schedule of Account and Service FeesAdditional product details (continued)Other things to consider (continued) The annual asset-based fee covers transaction costswhen trades are executed on an agency basis through ouraffiliated clearing agent, AEIS. If you invest in an SMA andthe investment manager places transactions for executionwith a third-party broker-dealer other than AEIS, referred toas “step-out trades,” any additional trading costs incurredwill be passed along to you, are included in the purchaseor sale price of the transacted security, and are in additionto the annual asset-based fee. If you purchase both financial planning services and anasset-based investment advisory account, it’s important thatyou understand what you’re paying for — financial planningservices, investment advisory account services or both.If you enroll in both, you can choose to pay separate anddistinct advisory fees for each service or you may havea consolidated advisory fee service for which you will payan Ameriprise Financial Planning Service (AFPS) fee as partof the associated managed account(s) asset based fee. Before selecting a Managed Account Program, you shouldconsider, among other things, that the total compensationreceived by Ameriprise Financial and our affiliate in theaggregate includes third-party payments received forcost reimbursement services as described in the CostReimbursement Services and Third-Party Paymentssection below. A discretionary account is one in which you give yourfinancial advisor or an advisory service provider authorityto buy and sell securities in your account without obtainingyour consent for each specific trade. In a nondiscretionaryaccount, you must provide your consent before eachPeriodic fees and expensesYou may be required to pay an annual IRA custodial fee inaddition to the fees and expenses related to your account andunderlying investments.We may reimburse your annual IRA custodial fee or applicableservice fees under certain circumstances — for example, thefee is reimbursed when you or your household maintains acertain account balance. The annual custodial-fee waiver doesnot include fees or sales charges related to your transactionbased brokerage or fee-based investment advisory account orto the underlying investments within your IRA. To ensure thatyou are obtaining all available waivers, please talk with yourfinancial advisor.Service fees. If applicable, fees for wire transfers, returnedchecks, overnight delivery and similar services will bededucted directly from the cash balance in your account.Please note that the fees may be revised from timeto time. A fee schedule can be viewed online atameriprise.com/brokeragefees.Other things to consider Traditional IRAs offer the opportunity for tax-deferred growthof any earnings and may permit tax-deductible contributions. R oth IRAs offer the opportunity for tax-free growth of anyearnings, when all IRS conditions are met, but do not permittax-deductible contributions.6

Accounts (continued)Additional product details (continued)529 plansA 529 plan is a tax-advantaged savings plan designedto encourage saving for future education costs. Earnings in529 plans are subject neither to federal tax nor, in mostcases, state tax as long as withdrawals are used for eligibleeducation expenses, such as tuition and room and board.Ameriprise Financial offers a variety of 529 plans fromseveral different providers, including plans in many of thestates that offer state tax deductions or credits on 529contributions.Sales chargesDepending on the share class you purchase, you may paya front-end load or a back-end load. See “Mutual funds”on the following page.Ameriprise offers 529 plan accounts held both directlyat the 529 plan sponsor and held in an Ameriprise brokerage account.For information on periodic fees and expenses of 529 plansheld in an Ameriprise brokerage account, see “BrokerageFees” on pages 4–5.Before purchasing a 529 plan, be sure to read the529 Plan’s Official Statement, provided by yourfinancial advisor.In addition:Periodic fees and expensesThe following fees may be charged by the 529 plan sponsor: Annual maintenance fee, which may be reduced or waivedbased on certain criteria, such as making systematicpurchases or maintaining a certain minimum balance. Administration/management fees, based on a percentageof daily net assets, are paid monthly to the 529 plansponsor for the investment management and administrativeservices it provides. Expenses of underlying funds are paid indirectly throughperiodic fees and expenses charged by the underlyingmutual funds in which your 529 plan invests. See “Mutualfunds” below.Other things to considerFavorable state income-tax treatment and benefits forinvesting in a 529 plan may be available only if you invest in a529 plan offered by the state in which you pay taxes. Benefitsvary from state to state. For more information, consult with aqualified tax professional or contact the 529 plan for the statein which you pay taxes.Investment productsAdditional product detailsStocks, bonds, options and structured productsA wide range of individual securities — including stocks,bonds, options and structured products — are available whenyou establish a transaction-based brokerage account or a feebased investment advisory account.Sales chargesIf purchasing securities through a transaction-based brokerageaccount, you typically pay point-in-time transaction-basedfees such as commissions, sales credits, sales charges andorder handling fees when you purchase or sell an investmentproduct.Before opening a brokerage account, be sure to read thefollowing documents (provided by your financial advisor): Ameriprise Brokerage Client AgreementCommissions do not apply to securities purchased withina managed account, although you pay an asset-based fee. Other Important Brokerage Disclosures Applicable Structured Product Disclosure Documentand Risk Acknowledgement Form Characteristics and Risks of Standardized Options Ameriprise Financial

But you can use it as a resource, so you have the information . you need to make informed decisions. As you consider additional products and services, please be sure to review . all pertinent prospectuses and other documents. The Ameriprise Financial Client Relationship Guide is regularly updated.