Workplace Financial Wellness 1 The Principal Financial Group® Workplace Financial Wellness Helping employees plan for their financial future

Workplace Financial Wellness 2 What is Workplace Financial Wellness? A personalized financial education benefit for employees A valuable addition to your benefits package A service offered with no out-of- pocket cost to you or your employees

Workplace Financial Wellness 3 Almost two-thirds of workers (64%) say they feel they are behind schedule when it comes to planning and saving for retirement. Is it time for a check-up? Source: EBRI, 2015 Retirement Confidence Survey, April 2015, No. 413

Workplace Financial Wellness 4 Is it worth your time? Twenty-two percent say worries over personal financials have a “large impact” on employee engagement. Source: Society for Human Resource Management, SHRM Research Spotlight: Financial Education Initiatives in the Workplace, 2012

Workplace Financial Wellness 5 Savings are low Help smooth the financial road to retirement by enabling employees to make educated choices. Consumer debt rising The time to review financial wellness is now!

Workplace Financial Wellness 6 Historical personal savings rate 4.8% in 2015 Source: Bureau of Economic Analysis, 2015

Workplace Financial Wellness 7 Most are inadequately protected Source: LIMRA 2015 Insurance Barometer Study

Workplace Financial Wellness 8 Help increase employee productivity and your profitability by offering a comprehensive workplace financial education program. A Solution: Workplace Financial Wellness

9 In September 2015, as compared to three years ago, the cost of providing health insurance rose 13%, averaging $6,136 per employee. The cost of retirement and savings benefits increased 33% to $3,536. Employee benefits are a huge expense Source: Bureau of Labor Statistics, Employer Costs for Employee Compensation based on 2,080 hours worked for civilian workers, Sept. 2015

Workplace Financial Wellness 10 Many employees don’t understand or appreciate the value or cost of their benefits As part of our analysis, we will review your current benefits package with employees and help them realize the importance and value of what you’re providing. We will also help them understand how they can maximize their benefits.

Workplace Financial Wellness 11 Potential for increased morale from a better understanding and appreciation of existing benefits Being able to offer an additional benefit to employees at no out- of-pocket cost to you Potential for improved employee health, work performance and attendance Workplace Financial Wellness How will you as the employer benefit?

Workplace Financial Wellness 12 You allow us to meet your employees We build relationships and provide value to employees over time If any products are purchased, I am compensated by The Principal Workplace Financial Wellness How does The Principal® benefit?

Workplace Financial Wellness 13 Step 2 You provide us with a list of employees and an overview of your benefit package. We provide an announcement letter and brochure to introduce the program to employees. Step 3 We conduct group sessions to overview the program and value of existing benefits. We also offer individual planning meetings to those who are interested. Step 1 We both sign the employer agreement. Easy as 1-2-3! How it works:

Workplace Financial Wellness 14 QUESTIONS?

Workplace Financial Wellness 15 Principal National Life Insurance Company and Principal Life Insurance Company, Des Moines, Iowa , Insurance products from the Principal Financial Group® (The Principal®) are issued by Principal National Life Insurance Co. (except in NY) and Principal Life Insurance Co., Des Moines, IA BB11780 | 11/2015 | t o