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© 2006-2010 Ameriprise Financial, Inc. All rights reserved.Not for inspection by, distribution or quotation to the general public. For employee use only.

My Ameriprise> My Rewards> My Well-being> My Community> My CareerMy Rewards> HR Direct> Payroll> Time Off Benefits> Retirement Plan> Financial Planning ServicesMy Well-being> Health Benefits> Work/Life EffectivenessMy Community> Diversity> Community RelationsMy Career> Leadership Expectations and Supporting Competencies> Training> Other programs and resourcesSummary & Next Steps2 © 2006-2010 Ameriprise Financial, Inc. All rights reservedNot for inspection by, distribution or quotation to the general public. For employee use only.

Our Brand PromiseWe shape financial solutions for a lifetime®Brand AttributesPersonal and ApproachableOur commitment to serving our clients is personal – at both the individual andinstitutional levels. We are committed to the communities in which our clients andadvisors work and live. We’re empathetic and provide clarity for complex situations,educating clients so they feel more confident about their financial decisions.KnowledgeableOur advisors proactively provide relevant information and advice to help clients makethe right decisions to achieve their goals and fulfill their financial potential. We reachout to provide information resources and support that enable clients to bridge the gapbetween today’s needs and tomorrow’s possibilities.AuthenticOur interest in our clients and their goals is genuine. In serving them, we remain trueto our company values. We communicate with our clients with sincerity and integrityand we do what we say we’ll do. As advocates for our clients, we care about theirfinancial concerns. We listen to their needs and goals, guiding their decisions to helpthem feel more secure, confident and in control of their financial futures.ResponsibleWe live by the same advice we give our clients – we take a practical approach with along-term focus. Our company is strong and stable, and we continue to growresponsibly by making sound investments and prudently managing risk to help ensurewe can serve our clients well through all market cycles.CreativeWe are resourceful and creative in finding ways to address each client’s uniquesituation. Our talented team of professionals continuously develops and manages abroad array of products and services that enable us to deliver solutions that are rightfor our clients and their evolving financial needs.6 © 2006-2010 Ameriprise Financial, Inc. All rights reservedNot for inspection by, distribution or quotation to the general public. For employee use only.

Ameriprise Financial BrandAmeriprise FinancialDistributionManufacturingAsset & WealthManagementAssetManagementAnnuitiesProtection• Employee advisors• Franchisee advisors• IndependentchannelThe Client ExperienceFrom a Client Satisfaction and Loyalty Study (June 2008) we conducted with clients offinancial services firms (not only our clients), people told us they look for the followingitems from a financial services firm:> Value and Security – being trustworthy and dependable; making the client feelvalued and enabling the client to feel good about their financial future.> Financial Expertise – providing high quality advice and making investments easyto understand.> Personal focus – putting the clients’ needs first, listening and responding to theclients’ needs and proactively contacting the client when market conditions change.© 2006-2010 Ameriprise Financial, Inc. All rights reserved. 7Not for inspection by, distribution or quotation to the general public. For employee use only.

Statement of IntegrityAmeriprise Financial is committed to conducting business ethically by acting in thebest interests of our clients and adhering to our core principles. This commitment isfundamental to protecting our clients, building our advisors’ practices and enhancingour brand.We earn our clients’ confidence every day by delivering on our brand promise – Weshape financial solutions for a lifetime. We are obligated to do the right thing and livethe principles in our Code of Conduct:> Conduct business ethically> Do the right thing for the client> Treat people with dignity and respect> Protect the company’s reputation and assetsIt’s impossible to anticipate every issue we may encounter. But internalizing theseprinciples will help us make the right decision when faced with a difficult or unfamiliarsituation. Ultimately, we’re all accountable for meeting the letter and spirit ofregulatory and company rules.When we manage our business with the highest standards of integrity, we do right bythe client, the advisor, the shareholder and the company and help fulfill our vision ofbecoming the most sought after financial planning and services firm.8 © 2006-2010 Ameriprise Financial, Inc. All rights reservedNot for inspection by, distribution or quotation to the general public. For employee use only.

It begins with meAmeriprise Financial has a set of guiding principles thatshape the way we conduct our business and the way we treatour clients, our shareholders, our communities and eachother.> Deliver on our brand promise each and every day> Live our values: client focus, integrity, excellence andrespect> Embrace change and act with a sense of urgency> Be accountable for our actions and commitments> Partner with colleagues and rise above obstacles> Believe and demonstrate that we can achieve and surpass our goals> Continuously challenge ourselves to perform at our peakTake a few minutes to write down some ways in which you think you will be able toapply It begins with me into your new job._______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________© 2006-2010 Ameriprise Financial, Inc. All rights reserved. 9Not for inspection by, distribution or quotation to the general public. For employee use only.

Ameriprise Financial Executive Leadership Team(All report to Jim Cracchiolo, Chairman & CEO)Jim CracchioloChairman & CEO______________U.S. AssetManagement, AnnuitiesDistribution______________Insurance,Strategy & BusinessDevelopment______________Advice and WealthManagement, Productsand Services______________The Personal AdvisorsGroup______________Financial Planning,Retirement and WealthStrategies & CorporateMarketing_________________CorporateCommunications andCommunity Relations______________HumanResources_________________Service DeliveryAnd Technology_________________General Counsel’sOrganization_________________Finance_________________Threadneedle10 © 2006-2010 Ameriprise Financial, Inc. All rights reservedNot for inspection by, distribution or quotation to the general public. For employee use only.

Our Structure & CapabilitiesThere are several highlights about our structure and our capabilities as a company.1. Approximately how many individual, business and institutional clients do we have?___________________________________________________________2. Where do we currently fall within the FORTUNE 500 ® ?___________________________________________________________3. Approximately how many branded financial advisors are at Ameriprise Financial?___________________________________________________________4. Approximately how many employees are at Ameriprise Financial?___________________________________________________________5. U.S. locations where we have corporate offices:____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________6. International locations:___________________________________________________________© 2006-2010 Ameriprise Financial, Inc. All rights reserved. 11Not for inspection by, distribution or quotation to the general public. For employee use only.

Strategic ObjectivesOur strategic objectives help drive our company. Our strategic objectives are:> Be a leading provider to mass-affluent and affluent clients> Become the platform of choice for financial planning-focused advisors> Strengthen our lead in financial planning and advice> Capture greater assets and protection in-force, by improving and expanding ourproduct solutions and extending our distribution reach> Ensure increasingly stronger and more efficient enterprise-wide capabilities12 © 2006-2010 Ameriprise Financial, Inc. All rights reservedNot for inspection by, distribution or quotation to the general public. For employee use only.

ClientsClients are at the top for a reason. Everyone in the company, no matter what role, isresponsible for delivering a positive client experience.What are some anxieties about retirement today?______________________________________________________________________________________________________________________Who is our target market?___________________________________________________________AdvisorsAmeriprise Advisor Select is the name we use to describe the different ways ouradvisors affiliate with the company. All offer long-term opportunities depending onthe direction advisors want to take their practices.Ameriprise Advisor Group: The Ameriprise Advisor Group provides advisors with theopportunity to focus on building their practice while Ameriprise provides theinfrastructure to run the business, all within a culture of true financial planning.Advisors in this group are employees of the company and receive support andleadership from the company. Most are located in corporate-owned field offices whowork face-to-face with clients. We also have a centralized group located in ourMinneapolis headquarters who work with clients over the phone.This also includes the former H & R Block Financial Advisors, acquired in November2008.Ameriprise Franchise Group: Owning an Ameriprise financial advisor franchise providesexperienced advisors with branded independence – the benefit of independentlymanaging their own business with the support of a strong national brand.Advisors in this group are self-employed professionals located in field offices. They runtheir own practices including hiring staff and purchasing support from the company.Securities America Inc. (SAI): Based in Omaha, Neb., SAI is owned by AmeripriseFinancial and its reps are considered unbranded independent contractors. SAI is oneof the nation's largest independent general securities broker/dealers.© 2006-2010 Ameriprise Financial, Inc. All rights reserved. 13Not for inspection by, distribution or quotation to the general public. For employee use only.

Financial Planning and AdviceSome people do their own financial planning. Many others seek help from financialprofessionals. Take a few moments to brainstorm ideas for why people seek financialplanning from a professional versus on their own. Record your ideas in the spaceprovided below.______________________________________________________________________________________________________________________Financial PlanningTo learn more about financial planning, read the passage below. What does thispassage tell us about how the financial process supports our clients?The Ameriprise Financial vision is to be the most sought after financial planning andservices firm. This vision grows out of our decades of experience bringing value toclients through a personalized financial planning approach built on a long-termrelationship with a knowledgeable advisor.Our unique and collaborative Dream > Plan > Track >® approach to financialplanning has at its core a long-term relationship with an advisor who gets to knowtheir clients and their dreams, and helps them develop a plan to achieve them.Financial planning at Ameriprise Financial is an ongoing process – our advisors don’tlook at this process as a one-time event. Often collaboration takes place over a numberof years or even decades. Our advisors follow a planning process as defined by theCertified Financial Planner Board of Standards, Inc.In addition to the client benefits, financial planning provides benefits for our advisors:Clients acquired who are ongoing planning clients have more than double the assets ofnon-planning clients. (Ongoing planning clients are defined as those who havepurchased planning at least two of the last four years.) *1Non planning clients are 50% more likely to attrite than planning clients *2* A financial planning relationship does not guarantee financial or investment success. Ameriprise Financial cannot guaranteefuture financial results.1 FPPS LFO and AIM impact assessment of financial planning to client retention and asset implementation, 12/7/062 FPPS LFO and AIM impact assessment of financial planning to client retention and asset implementation, 12/7/0614 © 2006-2010 Ameriprise Financial, Inc. All rights reservedNot for inspection by, distribution or quotation to the general public. For employee use only.

Products and SolutionsWhat are the main categories for our financial planning and advice relationship?____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________What are the main categories under the Cash and Liabilities category?____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________What are the main categories under the Protection category?_________________________________________________________________________________________________________________________________________________________________________________What are the main categories under the Taxes category?______________________________________________________________________________________________________________________What are the main categories under the Investments category?______________________________________________________________________________________________________________________© 2006-2010 Ameriprise Financial, Inc. All rights reserved. 15Not for inspection by, distribution or quotation to the general public. For employee use only.

Products and SolutionsTo help clients implement their financial plans, we provide a broad array ofproprietary and non-proprietary products and solutions. These products and solutionsare described here.Brokerage, Banking and Managed ProductsBrokerage and Investment Advisory Products and SolutionsThrough Ameriprise Financial, we offer clients access to RiverSource ® funds, as wellas to more than 2,000 mutual funds from more than 200 unaffiliated fund families,individual securities trading, real estate investment trusts and other securities.BankingWe provide a broad range of competitive deposit and lending products to assist clientswith their cash flow management and liquidity needs through Ameriprise Bank.Asset ManagementThe term asset management describes the investments division of a financial servicescompany. Our asset management products and services compete with investmentproducts from other asset management companies, banks and brokers. Investmentperformance is a critical component of competitive positioning for these products.Mutual funds are the largest family of products within this category, although we alsooffer investment certificates and alternative investments like hedge funds. ColumbiaManagement is the brand name for our asset management business. ColumbiaManagement was acquired in 2010.A mutual fund is an investment that enables people to pool their money together topurchase stocks, bonds or a combination of the two. Professional money managers areresponsible for investing the pooled money according to the goal of the fund.AnnuitiesAn annuity is a contract by which an insurance company agrees to make regularpayments to someone for life or for a fixed period. RiverSource Annuities offer bothvariable and fixed annuities solutions. Our annuities have features and benefitsdesigned to help meet a broad range of clients’ needs including asset accumulation,income generation and passing assets on to heirs.16 © 2006-2010 Ameriprise Financial, Inc. All rights reservedNot for inspection by, distribution or quotation to the general public. For employee use only.

ProtectionWe provide comprehensive insurance solutions as an important component offinancial planning.Life InsuranceRiverSource Insurance provides a number of life insurance solutions: universal life,whole life, and variable life and term life solutions. Our financial advisors work withour clients on the type of insurance solution that best meets their needs.Auto & HomeTo address a range of personal protection needs, Ameriprise Auto & Home Insuranceoffers auto and home coverage. We market personal auto and home protectionproducts directly to customers through marketing alliances with companies such asCostco Wholesale and Ford Motor Credit Company.HealthAn important part of many financial plans is helping our clients prepare forunexpected health needs such as disability or the need for financial resources for longtermcare.Product DistributionUsing our network of wholesalers, we distribute products in two ways:> Inside distribution through our advisors> Outside distribution through other banks, independent brokers, etc.CapabilitiesWe want to ensure we have increasingly stronger and more efficient enterprise-widecapabilities.> We are investing in talent development.> We are instilling a continuous improvement mindset throughout the organizationincluding our compliance, technology, service operations, business and supportunits.> These actions help us meet client and advisor expectations and help us delivershareholder value.© 2006-2010 Ameriprise Financial, Inc. All rights reserved. 17Not for inspection by, distribution or quotation to the general public. For employee use only.

Policies and ProceduresCode of ConductAbout the Code:> The Code of Conduct is one of the company’s most important documents.> The Code is a tool to guide ethical business behavior and decision-making, evenwhen there are no clear-cut rules and regulations.> The Code applies to all employees, advisors, officers and contractors of AmeripriseFinancial, Inc. and its subsidiaries.> Following the Code is a condition of employment.> The Code cannot cover every situation you may encounter.> Individual business units or staff groups may issue additional policies that provideguidance that is more specific.> By following the Code, we will act in a manner consistent with our company valuesand protect the company’s reputation.> The Code deals with topics such as accepting gifts, conflicts of interest, outsidebusiness activities, etc.> The Code of Conduct is housed on the Inside > Tools & Resources > Policies >Compliance/Legal.Your responsibilities as an employee are to…> Read, understand and follow the Ameriprise Financial Code of Conduct.> Understand and follow applicable laws, regulations and company policies.> Raise any concern with your leader, registered principal or other appropriateresources referenced in the Code.> Report suspected and actual violations of the Code, company policy, regulationsand laws.Your responsibilities as a leader are to…> Be a role model by conducting business ethically and with the highest standards ofintegrity.> Create and maintain a work environment conducive to ethical business conduct.> Communicate to your employees the importance of following the Code of Conductand all applicable laws, regulations and company policies.> Encourage your employees to come to you or other appropriate resources asreferenced in the Code if they have any questions.> Resolve issues that are escalated to you by employees or others.18 © 2006-2010 Ameriprise Financial, Inc. All rights reservedNot for inspection by, distribution or quotation to the general public. For employee use only.

10 Code of Conduct Principles:> Do the right thing for the client. Performing this duty applies to all daily businessactivities. Doing the right thing for our clients improves the client experience andencourages their continued business and loyalty.> Conduct business ethically and with integrity. This is the cornerstone of ourrelationships with employees, clients, prospects, vendors, suppliers, regulatorybodies and the communities in which we do business. We operate in a highlyregulated industry under intense media and public scrutiny. Therefore, it isimportant to address conflicts of interest and avoid the appearance of impropriety.> Avoid abuses of your position or knowledge. In your job, you might have access to, orknowledge of, information that considered nonpublic. If the information couldaffect the company’s stock price or a reasonable investor’s investment decisions, itis considered material. If you have, questions related to the use of materialnonpublic information, talk to your leader, registered principal or the GeneralCounsel’s Organization.> Treat people with dignity and respect. We strive to provide a work environment thatis diverse and free from any form of harassment or discrimination. We will nottolerate violence, threats of violence, intimidation of others, or attempts to instillfear in others.> Safeguard the privacy, confidentiality and security of client data. You are responsiblefor understanding and complying with all policies protecting the privacy,confidentiality and security of client, as well as employee and company data. Onlythose employees with a business need-to-know are allowed access to such data.> Compete fairly in the marketplace. We believe in fair competition because everyonebenefits from fair, free and open markets. We compete strictly on the merits of ourproducts and services, and make no attempt to restrain or limit trade.> Maintain complete and accurate business records. We must ensure that certaininformation is retained in accordance with the time schedule and format outlinedby regulatory authorities. Certain information about the company’s business,earnings and financial condition must be documented and reported in an accurate,complete and understandable manner.> Guard against criminal activity. Ameriprise Financial has an obligation to takereasonable steps to detect and prevent criminal activity such as money laundering,fraud and terrorist financing.> Protect the company’s reputation and assets. We must ensure that appropriatesafeguards are in place to protect the company’s physical and intellectual property,confidential business information and reputation in the marketplace. Thecompany’s reputation is a valuable asset that affects whether or not someone willbe our client or whether we are proud to work for Ameriprise Financial.> Understand and follow the Code of Conduct. The Code of Conduct applies to everyemployee and advisor of Ameriprise Financial. Other persons performing servicesfor the company may be subject to the Code by contract or agreement. You areexpected to read, understand and follow this Code. If you have any questions, askyour leader or registered principal.© 2006-2010 Ameriprise Financial, Inc. All rights reserved. 19Not for inspection by, distribution or quotation to the general public. For employee use only.

Company PoliciesAnti-Money LaunderingRules adopted under the USA PATRIOT Act require firms to implement acomprehensive anti-money laundering program designed to detect, prevent and reportsuspected money laundering and terrorist financing activities. The AmeripriseFinancial Anti-Money Laundering Office (AML Office) is responsible for implementinganti-money laundering policies and procedures.Electronic Communications Acceptable Use PolicyAll messages, documents and information conveyed by or contained within theAmeriprise Financial Electronic Communications Network in any form — includingcorrespondence, attachments, bulletin boards, discussion or reference databases andarchives — are considered company property.Use of the Ameriprise Financial Electronic Communication Network by employees,advisors, agents and any other authorized third parties implies consent for thecompany to access and monitor electronic communication messages and all activitiesconducted. This applies to business and personal messages transmitted on theAmeriprise Financial Electronic Communication Network. Do not assume that anyemail or other electronic communication sent over the network is private.Social Media PolicyThe SEC and FINRA consider communications that refer to Ameriprise Financialthrough social media to be “public communications,” requiring adherence to multipleregulatory requirements. Because you are associated with Ameriprise Financial, theseregulations apply to you at all times, wehther you are at work or on your personaltime. More specifically, FINRA prohbits you from engaging in any business-relatedcommunication that is not approved and supervised by Ameriprise Financial. Thismeans that all Ameriprise-related business communications must be sent through thecompany’s systems (email, websites,etc.)At all times, you are responsible for the material you publish online. Ensure that yourprofile and related content is consistent with how you wish to present yourself tocolleagues and clients and does not violate the multiple regulations applicable to youand the company. The easiest way to remain in compliance when using social mediasites is to refrain from identifying your employer or using social media to do businessor communicate about work, the company or its brand.20 © 2006-2010 Ameriprise Financial, Inc. All rights reservedNot for inspection by, distribution or quotation to the general public. For employee use only.

Solicitation on Company PropertyAmeriprise Financial has explicit rules discouraging unauthorized solicitation oncompany property and you signed a policy acknowledgment form that prohibits thesekinds of activities.Individual Treatment PolicyThis policy explains our duty to provide a work environment free from discriminationand harassment of any kind. It is the policy of the company that there be nodiscrimination against any person on the grounds of race, color, religion, sex, nationalorigin, age, sexual orientation, citizenship, gender identity, disability, veteran status,marital status, family status or any other basis prohibited by law.Dress Code PolicyThe Ameriprise Financial Dress Code policy applies to all employees, advisors,contractors, temporary workers or others working at various work locations.The policy is considered business casual Monday – Friday, with blue jeans are allowedon Fridays. Refer to the policy for specific guidelines on what is acceptable and nonacceptableclothing.Notary PublicEven if you are a commissioned Notary Public, you may not sign documents on behalfof Ameriprise Financial unless you are registered with our Corporate Notary Program.© 2006-2010 Ameriprise Financial, Inc. All rights reserved. 21Not for inspection by, distribution or quotation to the general public. For employee use only.

Licensing and Field Compensation Services (L&FCS)What is L&FCS?L&FCS is your one-stop resource for all of your licensing and registration needs. TheL&FCS department sets, administers and enforces all securities registration andinsurance licensing policies for Ameriprise Financial broker/dealers and insurancecompanies.L&FCS services Ameriprise Financial corporate office employees, the field force andany other employees or contractors that do business with the company.What Services does L&FCS provide?L&FCS provides all of the following services:> FINRA* registration/registration transfer> FINRA exam processing> FINRA registrations renewal/maintenance> State securities requests> Investment Advisor requests> Resident and non-resident insurance requests> Firm and Regulatory Element CE> FINRA disclosure processing> FINRA registration updates (address, name, disclosure, etc.)> Fingerprinting services> All registration and license requests/questionsNOTE: An employee may obtain and/or maintain a principal registration only ifhis/her job description involves one or more activities defined as a function ofprincipal and they have business line approval.*FINRA — Financial Industry Regulatory Authority22 © 2006-2010 Ameriprise Financial, Inc. All rights reservedNot for inspection by, distribution or quotation to the general public. For employee use only.

FINRA Registrations> It is very important for you to know that FINRA registrations do not automaticallyfollow you from company to company.> If you want to transfer registrations from a previous employer or obtain a newregistration, you must initiate the process.> Licensing and Field Compensation by sending a Lotus Notes message toRegistration Request to transfer/obtain FINRA registrations or insurancelicenses> If you are with the Service Delivery Organization and are required to holdregistrations, your leader and training coaches will help you through theregistration process.NOTE: Maintaining FINRA registrations (Series 6, 7, 25, 24, etc) for individuals notengaged in specific activities is prohibited. Therefore, registrations will not be transferredor allowed unless the employee has a specific and bona-fide need for the registration.Where do I go for help?Inside and the AdvisorCompass ® portal and search for the following bulletins:4877 Obtain Initial FINRA Registration – Corporate office4879 Determine if a position requires FINRA Securities Registration or InsuranceLicense4829 Obtaining & Maintaining FINRA Registrations for Corporate EmployeesFingerprinting Process and Reporting> All people associated with Ameriprise Financial and all associated companies,registered and unregistered, must be fingerprinted and cleared by FINRA.> Your leader should have received the Broker/Dealer assignment form in advance ofyour start date. Please obtain the completed form and bring it with you to yourfingerprint meeting.> In addition, all people associated with Ameriprise bank must be cleared by FDIC.> To date, you have passed the basic employment background check. As anassociated person or registered representative, your fingerprints will be submittedto the FBI for a national background check.> Whether or not you need FINRA registrations, it is vitally important that allassociated with Ameriprise Financial disclose any criminal history.> Any identified issues must be detailed to maintain registrations/employment.Termination can result if an undisclosed history is revealed.> If you have a disclosure item, you must provide all documentation related todisclosed or revealed issues within the time period specified – typically 10 businessdays. Failure to provide the required paperwork can lead to termination.© 2006-2010 Ameriprise Financial, Inc. All rights reserved. 23Not for inspection by, distribution or quotation to the general public. For employee use only.

Personal TradingOverviewWhy do we monitor?> Securities and Exchange Commission (SEC) requirement> Financial Industry Regulatory Authority (FINRA) requirement> State laws and other federal regulationsAssociated Persons> You> Your spouse/Domestic partner> Financial dependent members of your householdYour Responsibility> No speculative trading of Ameriprise Financial stock (short sales, options)> Do not acquire any registered securities through an IPO> Abide by insider trading policy – do not trade ahead of research reports> Pre-clear trading in any private placements/limited offeringsCertificationsCode of Ethics Certifications> Initial account disclosure> Quarterly covered mutual fund activity> Annual account certificationViolations/Sanctions> Failure to complete certifications within timelines will result in penalties> Failure to disclose known accounts or activity will result in penaltiesYour Responsibility> Must be completed within the timeframe provided> Must conclude other “associated persons” in your household> Does not cover real estate or personal banking activities> Certify to having read, understand and intention to abide by the Code of Ethics24 © 2006-2010 Ameriprise Financial, Inc. All rights reservedNot for inspection by, distribution or quotation to the general public. For employee use only.

Limited Choice PolicyBrokerage Account: any account in which you can buy or sell individualsecurities/stocks or bonds.Applicability> To you, your spouse/domestic partner and financial dependants> To accounts that hold securities – Individual, Joint, IRA, etc.> To certain types of securities (reference chart in Code for full list)Limited Brokers> Ameriprise Financial, Charles Schwab & Merill Lynch> Dedicated service lines and employee pricing> Approved brokers are subject to change (may become more restrictive)Your Responsibility> Determine if you have accounts outside of the approved list> Determine if those accounts hold securities subject to the policy> Liquidate or transfer impacted holdings within 45 days or> Apply for an exception to the policy (limited exceptions available)© 2006-2010 Ameriprise Financial, Inc. All rights reserved. 25Not for inspection by, distribution or quotation to the general public. For employee use only.

Advisor and Employee Referral ProgramTalented employees are valuable assets at Ameriprise Financial because theircommitment and ability to drive results helps our company deliver on our brandpromise: We shape financial solutions for a lifetime. Building and retaining a worldclassworkforce helps our company expand and succeed. Everyone benefits when yourefer peak-performing people to join Ameriprise Financial.Making a referral is easy:> Complete the Employee Referral Program (ERP) form and send to EmployeeReferral (form found on Inside)> It is helpful to ask your referral to list you as the referring employee or advisorwhen they complete the initial step of their on-line application.No limit to the number of referrals you can make, no limit to the referral bonuses youcan earn!Bonus Information:Bonus for referrals ranges from $500-$2,500.Most full and part-time Ameriprise Financial employees, including the AmeripriseAdvisor Group, below band 45 are eligible to receive a referral bonus. Please visit theAdvisor and Employee Referral Program page on Inside for full program details.26 © 2006-2010 Ameriprise Financial, Inc. All rights reservedNot for inspection by, distribution or quotation to the general public. For employee use only.

My AmeripriseAs America’s leader in financial planning * , Ameriprise Financial enables you to pursueyour dreams by inspiring our clients to plan for theirs. Wefoster a diverse, values-based culture that encourages you toperform at your peak. Ameriprise Financial helps youdevelop in your career through advancement opportunities,training and education, provides you with competitiverewards, supports your well-being through a comprehensivebenefits program, and offers a variety of ways for you toactively participate in our communities.My Ameriprise includes four components:My CareerWe help employees become strong leaders who develop in their careers and reachtheir potential through challenging and rewarding work, training, recognition and theopportunity to advance.My RewardsWe provide employees with the opportunity to earn competitive compensation andrewards to help them plan for their financial goals and dreams.My Well-beingWe provide a comprehensive benefits program, education and other resources tosupport our employees’ physical and emotional health.My CommunityWe offer employees opportunities to contribute to our diverse, values-based culture inways that demonstrate respect for each other and for the communities in which we liveand work.*Ameriprise helped pioneer the financial planning process more than 30 years ago. Our unique Dream > Plan > Track> ®approach is about more than just numbers, it’s both science and art. We have more financial planning clients and moreCERTIFIED FINANCIAL PLANNING TM professionals than any other company in the U.S. based on data filed atadviserinfo.sec.gov and documented by the CFP Board of Standards, as of Dec. 31, 2007.© 2006-2010 Ameriprise Financial, Inc. All rights reserved. 27Not for inspection by, distribution or quotation to the general public. For employee use only.

My RewardsHR DirectHR Direct Online can be accessed through Inside or any internet connection.Use HR Direct Online for:> Updating personal information> Timekeeping> Report hourly time (start time, lunch break, end of day) for non-exemptemployees> Report PTO and Sick Time (all employees, exempt and non-exempt)> Non-exempt employees are not paid if they do not have approved hours> Enrolling in benefits> Editing dependent coverage information> Registering for direct deposit> Enter before the last day of the pay period to ensure that the deposit will bemade for the first paycheck> Verify your account information before submitting> Go Green – change pay statement options to not receive pay statements> Viewing online pay statements> Physical Checks mailed to home address that is in HR Direct> Changing W-4 withholding elections> Searching for internal job postingsLeaders can:> View information about their employees> Approve timecards> Must be done by 11 am on Mondays> Non-exempt employees are not paid if they do not have approved hours> Change employees cost center, location, job or scheduled hours> Must be done by 5 pm Thursday CST (week prior to payroll)> Terminate employees or contractorsPayroll> Payday is every other Friday> Checks are not disbursed prior to FridayFirst paycheck is ____________________________28 © 2006-2010 Ameriprise Financial, Inc. All rights reservedNot for inspection by, distribution or quotation to the general public. For employee use only.

Time off BenefitsPaid Time off (PTO)PTO is different for each individual and is calculated based on band level and years atAmeriprise Financial. Refer to your offer letter or your supervisor for the number ofPTO days available to you. PTO includes:> Business Driven Holidays as determined by the New York Stock Exchange, whichare: New Year’s Day, Martin Luther King, Jr. Day, President’s Day, Good Friday,Memorial Day, Independence Day, Labor Day, Thanksgiving Day and ChristmasDay> Discretionary Days are PTO days that employees can schedule for any reason inaccordance with their department’s procedures.> The Vacation Purchase benefit allows you, with your leader’s approval, to elect upto five additional days of vacation. This program is available only during the annualenrollment period.> PTO days and Purchased Vacation must be used by the end of each calendar yearand cannot be carried over to the next year.> New hires must be employed on the first working day of the month to accrue PTOfor that month.Sick time> Regular full-time employees are eligible for four paid sick days on January 1 eachyear.> New hires accrue sick time during their first calendar year of employment at therate of 2.6 hours for each full month worked. New hires must be employed on thefirst working day of the month to accrue a sick day for that month.> Regular part-time employees who work at least 20 hours each week are eligible forsick time. Sick time is prorated based on scheduled hours as a percentage of thestandard department hours.> Unused sick days can be carried over from year to year, up to a 130-day maximum.Recording PTO and Sick TimeRecord your PTO and sick time hours in HR Direct.© 2006-2010 Ameriprise Financial, Inc. All rights reserved. 29Not for inspection by, distribution or quotation to the general public. For employee use only.

Chairman’s Award for ExcellenceThe Chairman’s Award for Excellence recognizes employees for their exceptionalcontribution to our company’s success, commitment to our corporate values and Itbegins with me spirit of personal accountability.Awards are announced annually and offered to individual and team achievements.Retirement PlanRefer to the Enrollment kit provided by the Benefits Specialist.Financial Planning ServicesEmployees receive a subsidized discount on financial planning services from anAmeriprise financial advisor.If you do not have an advisor, you may locate one by going to ameriprise.com andselecting “locate an advisor.” You may search by area of specialty, geographic locationor both.30 © 2006-2010 Ameriprise Financial, Inc. All rights reservedNot for inspection by, distribution or quotation to the general public. For employee use only.

My Well-beingHealth BenefitsRefer to the Enrollment kit provided by the Benefits Specialist.LifeworksLifeWorks is a nationwide program designed to help employees manage their workand personal lives by providing a variety of services and support. This free, 24-hourservice is available to all Ameriprise Financial employees and their families in theUnited States and can be reached by calling (888) 456-1324. Alternatively, you canaccess the service online by going directly to LifeWorks.com and entering the user ID:ampf and the password: lifeworks. LifeWorks can also provide free short-termcounseling via the phone or up to three visits to a counselor in person.Work/Life EffectivenessWork/Life Effectiveness consists of multiple programs and services designed toenhance and support your life at work and at home.Discount Programs> Employee Mall — exclusive discounts at over 190 leading national merchants.> 10% discount for employees with several child care centers> Movie and other discount tickets available in corporate cafeterias.> Art and museum discounts available from time to time for Ameriprise Financialemployees.> Part of Ameriprise Financial business is Auto & Home Insurance. As an employee,you are qualified for a 5% worksite discount.> Banking (mortgages, equity line discounts through Ameriprise Bank)© 2006-2010 Ameriprise Financial, Inc. All rights reserved. 31Not for inspection by, distribution or quotation to the general public. For employee use only.

Leave of AbsenceWe also have generous Leave of Absence policies including, FMLA (Family MedicalLeave Act), Salary Continuation, Military Leave, Personal Leave and New Hire MedicalLeave.Adoption AssistanceAll regular, full-time employees who have at least 12 months of service with thecompany are eligible for financial assistance of up to $2,000 per adoption under theAdoption Assistance Program.Alternative Work ArrangementsTo remain competitive in today’s marketplace, meet our employees’ ever-growingneeds for work/home life balance, increase employee retention and address businessneeds and office space limitations cost-effectively, Ameriprise Financial offers Job-Sharing, Compressed Work Week, Flex time and Telecommuting.32 © 2006-2010 Ameriprise Financial, Inc. All rights reservedNot for inspection by, distribution or quotation to the general public. For employee use only.

My CommunityDiversity and InclusionOur CommitmentAt Ameriprise Financial, our business is built on relationships and on understandingwhat inspires people — their dreams, their concerns and their goals. At our company,diversity is embedded in our values and our day-to-day working lives. Throughdiversity, we access talent, innovative ideas and varied perspectives to help us deliverfinancial solutions that meet our clients’ needs and make a difference in their lives.For us, diversity is a competitive strength and a fundamental part of our past andfuture. We were among the first firms to offer financial planning services to AfricanAmericans 90 years ago. At the time, we didn’t view our actions as revolutionary; forus it was — and still is — smart business to treat all people fairly. Today, diversity iswoven into our culture, and that means we:> Include and respect all people, from clients, advisors and employees to vendorsand suppliers> Expect our leaders to pursue diversity and acceptance> Empower and encourage our employees to grow and develop> Welcome all employees to take a “seat at the table” to contribute ideas and addvalue to our strategies> Volunteer our time and contribute our resources to a wide spectrum oforganizations and people in needWe are committed to fostering a spirit of inclusion, and we demonstrate this throughmore than a dozen employee networks. These networks provide opportunities forprofessional development and relationship building while promoting awareness andcommunity service. They are open to any employee who wants to learn more about aparticular dimension of diversity.At Ameriprise Financial, diversity is reflected in everything that drives our success —our people, our corporate values, our business strategy, our culture and ourinvestment in the communities in which we live and work.© 2006-2010 Ameriprise Financial, Inc. All rights reserved. 33Not for inspection by, distribution or quotation to the general public. For employee use only.

Diversity SavvyBeing diversity-savvy means that Ameriprise Financial is able to:> Understand and access new and emerging markets> Be better positioned to serve our increasingly diverse client base> Recruit and retain top talent in all business lines> Maintain the highest levels of employee engagementDiversity Opportunities: Training and DevelopmentAmeriprise Financial training programs, including our Leadership Expectations andSupporting Competencies, Effective Communication, Generations in the Workplaceand Managing Conflict incorporate diversity content. Classes delivered instructor ledor web-based, depending on course. NOTE: Not all courses offered at all locations.To learn more about any of our training programs, please visit Inside > AmeripriseUniversity.Multicultural Partnerships and AwardsAmeriprise Financial continues to win numerous awards for its diversity efforts. It alsocreates multiple partnerships with community organizations as a means to cement itspresence, promote its brand and to establish goodwill. Some of the many awards andcommunity partnerships that Ameriprise Financial has in place include:> Human Rights Campaign (HRC): Scored 100% on the Corporate Equality Index> 2009 Business Week – Best Place to Launch a Career> Diversity Inc.> Quorum> Jackie Robinson Foundation> Multicultural Form on Workplace Diversity> Association of Latino Professionals in finance and Accounting34 © 2006-2010 Ameriprise Financial, Inc. All rights reservedNot for inspection by, distribution or quotation to the general public. For employee use only.

Community RelationsAmeriprise Financial is committed to giving back to our communities by supportingorganizations whose shared goal is to improve the lives of individuals from all walks oflife and strengthen communities.We have a rich heritage of supporting communities across the nation where ourclients, advisors and employees live and work. We take pride in this leadership roleand carry out our mission by initiating innovative programs as well as supportingexisting ones. From creating and funding financial literacy programs for underservedpopulations to building homes, to a nationwide effort to fight hunger, giving back is anintegral part of our history and our future.Corporate Giving ProgramWe focus our funding in three key areas, supporting organizations across the nationwhere our employees and advisors live and work. Those three giving platforms are:Meeting Basic NeedsUnder this category, our grant making helps meet the basic needs of food, shelter andself-sufficiency. Our funding in this platform focuses on programs that provide at-riskpopulations with training, counseling or other promising solutions to root causes oflife challenges. Types of grant proposals that are considered include the following:> Food – Support of food shelves and emergency food banks, including capacitybuildinggrants allowing organizations to expand their services and communitybasedorganizations and programs addressing specific issues like childhood andsenior hunger.> Shelter – Support of organizations providing transitional housing, achieving andmaintaining homeownership and ending long-term homelessness.> Self-sufficiency – Preparing for work readiness and job transitions and gainingfinancial life skills, the primary focus is on underserved adult populations.Supporting Community VitalityThis category is about strengthening communities. The focus is to support economicvitality, cultural enrichment, civic leadership and environmental awareness in aneffort to help strengthen our communities. Disaster relief and recovery is also includedhere, allowing us to be more nimble and proactive in our response to disasters thataffect large numbers of people nationally, regionally and in some cases globally.Volunteer Driven CausesAmeriprise Financial recognizes that our employees, advisors and retirees are ourgreatest asset so we want them to help determine where and how a portion of oursupport is directed. Grants in this category are intended to recognize and support themany charities and institutions that serve our communities and have captured theinterest and support of our employees, advisors and retirees.© 2006-2010 Ameriprise Financial, Inc. All rights reserved. 35Not for inspection by, distribution or quotation to the general public. For employee use only.

Gift Matching ProgramThe company matches eligible employee contributions of at least $25 up to an annualmaximum of $2,000 per employee.Community Partners Volunteer ProgramIn Minneapolis, more than 2,500 employees contribute more than 26,500 volunteerhours annually through company-sponsored projects. Our advisors and employeesacross the country also are very involved in their local communities, sharing theirtalents and time.Annual Giving CampaignOur company has a long history of contributing to the strength of our communities.One of the important ways we do this is through our Annual Giving Campaign.Through the 2009 campaign, employees and advisors contributed more than $4.4million, with the corporate match, to 3,600 nonprofit organizations around the world.In 2009, we expanded the campaign to include a Franchise Giving Campaign. TheAnnual Giving Campaign allows individuals the opportunity to designate theircontributions to any eligible nonprofit or one of the featured partners, includingFeeding America, Community Health Charities, Earth Share, Global Impact andUnited Way. Eligible employee donations are matched by Ameriprise FinancialCommunity Relations dollar-for-dollar.Partnership with Feeding AmericaAmeriprise Financial is a proud partner of Feeding America, the nation’s largesthunger-relief organization. We’ve contributed millions of meals and our advisors,employees, retirees and clients are engaged in projects working to help end hungeracross the country. These efforts include food drives, volunteer events, food assembly,meal delivery and other projects. We believe this is one way we can join together as anorganization resulting in a tremendous collective difference in helping feed the morethan 50 million Americans who struggle with hunger.36 © 2006-2010 Ameriprise Financial, Inc. All rights reservedNot for inspection by, distribution or quotation to the general public. For employee use only.

My CareerLeadership Expectations and Supporting CompetenciesOur Leadership Expectations and Supporting Competencies capture our leadershipbrand by clarifying what we expect from all employees at Ameriprise Financial. Strongleadership behaviors and competencies empower each of us to make a difference -- forour clients, our advisors, our shareholders and for ourselves.Thought LeadershipWe expect leaders to think strategically, creatively and drive innovation.> Thinks Strategically – Sets vision and strategy linked to objectives. Utilizes a broadperspective. Demonstrates a strong knowledge of the competition and the market.Understands key business drivers and uses information to identify opportunities.> Drives Innovation – Systematically analyzes root-cause of problems. Challengesstatus quo and generates creative and diverse solutions. Makes informed decisionsabout which ideas to move forward and whether to adapt/enhance existing ideas orinvent. Creative and resourceful.Results LeadershipWe expect leaders to drive business results, demonstrate accountability and focus onthe client.> Drives Business Results – Sets priorities and develops robust plans well in advance.Initiates results-oriented action. Adjusts plans to capitalize on changingcircumstances and opportunities; makes timely decisions. Manages timeeffectively. Measures and monitors results.> Demonstrates Accountability – Takes personal responsibility for results.Understands own strengths and limitations and is focused on self-development.Speaks frankly and debates at the table. Shows energy and resilience. Deals withconflict in a timely and effective manner.> Focuses on the Client – Proactively anticipates clients’ (internal and/or external)diverse needs and requirements. Ensures the client experience enhances theAmeriprise Financial brand. Develops the metrics needed to provide reliableinformation about the client experience.© 2006-2010 Ameriprise Financial, Inc. All rights reserved. 37Not for inspection by, distribution or quotation to the general public. For employee use only.

People LeadershipWe expect leaders to manage performance and build talent.> Builds Talent – Refers and/or hires diverse, talented people. Proactively trains andmentors. Creates a culture of engagement where people are motivated to achievepeak performance.> Manages Performance – Sets expectations and delegates effectively. Providesaction-oriented feedback. Holds others accountable for results. Takes appropriateaction when performance does not meet expectations.> Manages Change – Clearly communicates the rationale and facilitates theacceptance of change. Answers questions related to the impact of the proposedchange directly and with candor. Solicits feedback about how the change effort isprogressing and how people are doing.Relationship LeadershipWe expect leaders to maximize relationships, build trust and communicate effectively.> Maximizes Relationships – Shows respect for all people. Values diversity andactively fosters inclusion. Focuses on wins for Ameriprise Financial and team.Leverages efforts/resources within and across teams to deliver goals. Is someoneothers like working with and/or for.> Builds Trust – Acts with integrity; is authentic and reliable. Actions match words.Maintains confidentiality. Is credible.> Communicates Effectively – Creates a clear line of sight between individual goalsand organizational results. Provides the information others need to do their jobs.Listens actively and values others’ input. Effectively shapes messages to influenceoutcomes.Become familiar with these expectations and competencies. Bring them into your dailywork and have conversations about them with your supervisor. These leadershipexpectations and supporting competencies are embedded into all people programs tostrengthen our talent and culture.You are rated and measured at mid-year and year-end as part of our performancemanagement process, based on how well you demonstrate these leadershipexpectations and supporting competencies38 © 2006-2010 Ameriprise Financial, Inc. All rights reservedNot for inspection by, distribution or quotation to the general public. For employee use only.

TrainingAs part of our commitment to ongoing development, a core curriculum has beencreated. The core curriculum includes classes all new employees should take withintheir first twelve to twenty-four months to help become acquainted with AmeripriseFinancial. Core Curriculum programs vary by role and leader level. Talk with your ownleader to determine which core curriculum program you should enroll in. In addition,ongoing personal development opportunities should be identified.Programs and ResourcesIn addition to ongoing training, we have a number of other programs that are availableto our employees. More information on all the following programs can be found onInside.> Tuition Assistance -- Ameriprise Financial believes that educationalopportunities have potential to positively affect both employees and company.Therefore, in certain situations, the company’s Tuition Assistance Programprovides financial aid to eligible employees to cover the cost of certain work-relatedcourses at accredited institutions and/or a work-related course of study leading toa degree.> Mentoring Program – We have a self-selecting mentoring program. You cancreate your mentee or mentor profile. If you are a mentee, your leader needs toapprove before you can begin a relationship. You can search for a mentor in thementoring database. Both local and virtual mentoring opportunities are available.> New Hire Resources Page – More information that new hires are frequentlylooking for on Inside. In addition, there is information about working in yourlocation.> getAbstract – A repository of book summaries free to employees. You can searchby topic and book title. Five page summaries can be printed and reviewed. You canpurchase the book if you find the book meets your needs.> Team Development – A leader-led resource page for team leaders with activitiesto help teams develop. Activities are grouped through one category. Each activityhas full directions and a list of materials needed to facilitate the topic.© 2006-2010 Ameriprise Financial, Inc. All rights reserved. 39Not for inspection by, distribution or quotation to the general public. For employee use only.

40 © 2006-2010 Ameriprise Financial, Inc. All rights reservedNot for inspection by, distribution or quotation to the general public. For employee use only.