Ameriprise face-amount certificates are:

• Not FDIC-insured
• Not a guaranteed deposit or obligation of Ameriprise Bank, FSB
• Subject to investment risks, including the possible loss of principal invested

Keeping an accessible cash reserve for emergencies or sudden financial opportunities is a wise tactic. Ameriprise Financial offers a range of fixed-term products that may be able to help you earn more on the money you save, with generally higher interest rates than a regular checking or savings account would pay.

Principal protection and low investment minimums

These are securities that are defined and regulated by the Investment Company Act of 1940. Ameriprise face-amount certificates offer principal protection and low investment minimums, in addition to guaranteed rates on some of the products. Ameriprise face-amount certificates provide the safety and liquidity you need, with a competitive return for your money.

How face-amount certificates can help you save

There are four types of Ameriprise face-amount certificates, each of which are designed to meet different investment objectives. An Ameriprise financial advisor can work with you to select a face-amount certificate that is right for you.

Ameriprise Flexible Savings Certificate

The Ameriprise Flexible Savings Certificate is a fixed-rate investment with competitive returns that lets you choose a term from 6 months to 3 years.

Ameriprise Stock Market Certificate

This unique investment offers interest tied to the potentially higher returns of the stock market, up to a maximum interest rate or a lower participation in the returns of the stock market, plus an interest rate guaranteed by Ameriprise Certificate Company.

Ameriprise Market Strategy Certificate

Features similar to those of the Stock Market Certificate with the flexibility of having your contributions invested systematically over a period of time. This unique investment offers interest tied to the potentially higher returns of the stock market, up to a maximum interest rate, or a lower participation in the returns of the stock market, plus an interest rate guaranteed by the Ameriprise Certificate Company. It does not guarantee a profit or protect against lack of returns in a declining market.

Ameriprise Installment Certificate

An Ameriprise Installment Certificate offers guaranteed interest rates and helps you build cash reserve with systematic monthly deductions from your bank account.

You should consider the investment objectives, risks, charges and expenses of certificates carefully before investing. For a free copy of the certificate prospectus, which contains this and other information, download it here or call (800) 862-7919. Read the prospectus carefully before you invest.

Face-amount certificates are not federally or FDIC insured, are not deposits or obligations of or guaranteed by any financial institution and involve investment risks including possible loss of principal and fluctuation in value.

Investors in the Ameriprise Stock Market Certificate and Market Strategy Certificate may not receive interest if the underlying index is flat or lower at the end of the period than it was at the beginning of the period.