¹ These products are not available to business customers. Advisors have limited access to set up and manage these accounts.

² Your daily debit card purchase limit is $2,500 per business day.

³ All other ATM owners may assess fees. Withdrawals limited to $1,000 per business day.

⁴ Interest rate is effective as of 01/08/2008. At our discretion, we may change the interest rate at any time without notice. Fees may reduce earnings.

⁵ APY = Annual Percentage Yield. APY is effective as of 01/08/2008. At our discretion, we may change the APY at any time without notice. Penalties and fees may reduce earnings.

⁶ Court-ordered payments and tax payments may not be made through online bill pay.

⁷ A $500 deposit is required to activate Ameriprise ONE Financial Account features. Maximum deposit of $500,000 per depositor.

⁸ Subject to credit approval.

⁹ Fees may reduce earnings.

¹⁰ Ameriprise Insured Money Market Account (AIMMA) is an FDIC-insured product offered by Ameriprise Financial Services, Inc. and held in an omnibus account(s) at one or more FDIC-member banks (collectively, the "Program Banks"). The Program Banks may serve individually as custodians for all or a portion of the assets held within your AIMMA, as described in the AIMMA Terms and Conditions section of your Ameriprise Brokerage Client Agreement. To view the AIMMA Terms and Conditions, you can visit our website at ameriprise.com/nqclientagreement for non-qualified accounts or ameriprise.com/qclientagreement for qualified accounts, or call our service line at (800) 297-7378 to obtain a copy.

Ameriprise Bank, FSB is a participant bank in the AIMMA program and any funds deposited into Ameriprise Bank via the AIMMA sweep option are FDIC insured up to $250,000. Any other deposits you may make to a participating program bank made outside of AIMMA will be combined for purposes of determining the level of FDIC coverage per depositor at that specific bank, including Ameriprise Bank. You are responsible for monitoring the total amount of funds they hold at each Bank in order to insure that your total deposits are within FDIC guidelines and fully insured.

FDIC deposit insurance has temporarily increased from $100,000 to $250,000 per depositor. Effective February 1, 2009 AIMMA will carry FDIC protection up to $2.5 million per individual depositor (up to $5 million for joint accounts). This temporary increase in coverage is in effect through at least December 31, 2013 when it may revert back to $1 million per depositor ($2 million for joint accounts). Deposit products are not covered by the Securities Investor Protection Corporation (SIPC).

If your account is a qualified discretionary account (e.g. SPS Advantage limited discretionary trading; separately managed account; or Active Portfolios^® account) and AIMMA is your sweep option, you should be aware that your funds will be swept into a single bank, Ameriprise Bank, FSB. All of your available cash balances will be deposited at Ameriprise Bank without limit. Your funds will be FDIC insured up to a maximum of $250,000, and any amount deposited above $250,000 will not be covered by FDIC deposit insurance. You are responsible for monitoring the total amount of funds you hold at Ameriprise Bank in the same insurable capacity in order to insure that your total deposits are within FDIC guid elines. Any references throughout the AIMMA terms and conditions to a multi-bank model are not applicable if your account is in one of the product and ownership types noted above. AIMMA is a single bank model with a maximum of $250,000 FDIC coverage for these accounts.

Each account will earn a rate of interest that is tiered based on the balance in your Ameriprise Insured Money Market Account. The rate can fluctuate daily depending on market conditions. The balance tiers are as follows: $0 - $4,999.99; $5,000 - $24,999.99; $25,000 - $49,999.99; $50,000 - $99,999.99, $100,000+. APYs offered within two or more consecutive tiers may be the same and bear a reasonable rate of interest. When this is the case, those multiple tiers with the same rates will be shown as a single tier. Each tier reflects the current minimum balance required to obtain the applicable APY. For the specific rates, please see the tiered rate chart. Call (800) 297-7378 for the current prevailing rates. The daily balance method will be used to calculate interest in your account. Interest is compounded daily and credited monthly. There is no minimum period that money must remain on deposit and consequently, there is no penalty for withdrawals of your entire balance or any part thereof at any time without notice. Debit and cash balances will be swept daily in and out of the Ameriprise Insured Money Market Account.

¹¹ FDIC deposit insurance has been temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013. Funds held in an identified FDIC insurable capacity will be FDIC insured up to a maximum of $250,000 at a single bank, and any amount deposited above $250,000 will not be covered by FDIC deposit insurance.

View the FDIC web site to learn how deposit insurance works.

The Ameriprise ONE^® Financial Account is a brokerage account with cash management features. Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC. Some products and services described may not be available in all jurisdictions or to all clients.

Ameriprise Bank, FSB, Member FDIC, is an Equal Housing Lender. Ameriprise Bank provides certain deposit, lending and personal trust products and services to Ameriprise Financial Services, Inc. Ameriprise Bank and Ameriprise Financial Services are subsidiaries of Ameriprise Financial, Inc. Ameriprise financial advisors may receive compensation for offering bank products.