1. Important Information for financial professionals By using this communication you agree to the following: This communication is provided to you by Principal Life Insurance Company SOLELY for use by you with clients that utilize the services of the member companies of the Principal Financial Group ® as their retirement plan service provider (Permitted Use). In doing so The Principal® is not responsible for any use outside of the Permitted Use. In granting you Permitted Use, no member company is surrendering any right, title or interest in the communication including any intangible ownership such as copyright or trademark protection. The Principal does not authorize you to create any derivative work, edit, copy or otherwise alter the communication including but not limited to affixing any branding or creating any “co-branded communication.” It should be noted that removing this license is expected and permitted when the communication is utilized within its Permitted Use. In granting Permitted Use, no member company of The Principal ® makes any warranty of fitness for your intended use. Please consult your legal and compliance areas to confirm that your intended use of this resource is appropriate and that it contains all appropriate information, disclosures, names the correct parties and provides the appropriate limitations for your business. It is your responsibility to determine if filing with any regulatory authority is necessary (e.g., FINRA, or other regulators) and that it is appropriate for the intended use and audience.

2. KNOW YOUR SCORE It All Adds Up

4. ADDING 1 AND 2 CAN TOTAL A MORE SECURE FINANCIAL FUTURE. 2 Find out your score Take steps to improve it Get on track for retirement 1 +=

5. KNOW YOUR RETIREMENT WELLNESS SCORE. 1 Are you in the green, yellow or red? Visit: principal.com/score

6. WHAT DOES YOUR SCORE MEAN? 1 Compare what you have now with what you may have in retirement.

7. WHAT CAN YOUR SCORE MEAN? 1 Aim for at least 70 by SPENDING LESS and maintaining good health. Focus on at least 85, which could allow you to LIVE SIMILARLY TO THE WAY YOU DO NOW. Take a look at 100-plus, which might allow you to take up some NEW HOBBIES AND TRAVEL MORE.

8. WE LIKE FOOD Cheap money… Food… To Consume… GET STARTED. Visit: principal.com/score 1

9. TAKE SMALL STEPS. IMPROVE YOUR SCORE. 2 Adjust your retirement planning and watch your score grow Image is for illustrative purposes only.

10. WE LIKE FOOD ADDITIONAL CONTRIBUTION REDUCTION IN BI-WEEKLY TAKE-HOME PAY ESTIMATED ADDITIONAL MONTHLY RETIREMENT INCOME 5%$50$9333%$30$5602%$20$3731%$10$187 The more years you have until retirement, the more impact even a small change can have. For those nearing retirement, don’t forget to take advantage of catch- up contributions you may be able to make at and after age 50. This example is for illustrative purposes only. It assumes $35,000 in annual income, 3.5 percent annual wage growth, 30 years to retirement, 7 percent annual rate of return and a 25 percent tax bracket. Estimated monthly retirement income calculations assume a 4.5 percent annual withdrawal in retirement. The assumed rate of return is hypothetical and does not guarantee any future returns nor represent the return of any particular investment option. Reduced take- home pay is accurate for the initial year and would change based on participant’s annual pay. Estimated savings amounts shown do not reflect the impact of taxes on pre-tax distributions. Individual taxpayer circumstances may vary. For illustrative purposes only. 2 BENEFIT OF GETTING STARTED.

11. LAUNCH THE PLANNER 1 EASILY ADJUST YOUR INPUTS Image is for illustrative purposes only. 2 WHAT ELSE CAN I DO? Personalize it even more! 2 OR

12. What other retirement savings or assets do you have?Do you have any sources of retirement income? How much Social Security benefit might you have? What investment and inflation rates do you feel will apply?What kind of pay increases do you expect? 2 WHAT ELSE CAN I DO?

13. Put saving firstCreate a monthly budgetMake a plan to reduce debt Use your financial professional Learn about Social Security 2 IT ALL ADDS UP. ABOVE AND BEYOND THE EQUATION.

14. NEED HELP? Are you on track for retirement? If not, how can you use the interactive online features to help raise your score? How can you turn savings into a stream of income at retirement?

15. IT’S ABOUT TIME. 1 Find out your score FIND your Retirement Wellness Score at: principal.com/score. 2 Take steps to improve it ADJUST your contribution rate and personalize your score. Get on track for retirement Personalized retirement planning has never been easier. principal.com/score Image is for illustrative purposes only.

16. WE LIKE FOOD LEARN YOUR SCORE TODAY! Facebook: facebook.com/PrincipalFinancial Twitter: twitter.com/ThePrincipal principal.com/score The Principal Financial Group ® Questions about getting online: 1-800-547-7754

17. Insurance products and plan administrative services are provided by Principal Life Insurance Company, a member of the Principal Financial Group ® (The Principal ® ), Des Moines, IA 50392. PD938A-01 | © 2015 Principal Financial Services, Inc. | 03/2015 | t14123102q8 The Retirement Wellness Planner information and Retirement Wellness Score are limited only to the inputs and other financial assumptions and is not intended to be a financial plan or investment advice from any company of the Principal Financial Group ® (The Principal ® ). They only provide general guidelines, which may be helpful in making personal financial decisions. Responsibility for those decisions is assumed by the participant, not The Principal. Individual results will vary. Participants should regularly review their savings progress and post-retirement needs.