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, 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. 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 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 and 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 regulations) and that it is appropriate for the intended use and audience.

Hello, everyone. Thank you for taking a few minutes to join me today Hello, everyone! Thank you for taking a few minutes to join me today. And thank you, <COMPANY NAME>, for inviting me. I’m <NAME> from <COMPANY NAME>.   Today we’re going to talk about retirement. Sounds good, right? Taking up new hobbies, traveling around the world and spending more time with family and friends. Right now retirement probably seems like a long ways away for most of you—but—it’ll be here before you know it. That’s why it’s important to take time, even just a few minutes, to think about it right now. In fact, did you know that in the time it takes you to buy a coffee—that’s about 5 minutes— you can take steps to help you get on track for retirement?

You may need to save at least 10% for 30 years1 What does it mean to be “on track” for retirement? It means that to be financially secure in retirement you may need to be saving at least 10% for 30 years.1   Are you saving 10%? Will you be able to retire on your terms? Just a few small steps now can make a big difference later. Now is the perfect time to Take 5 to make sure you’re on track with your retirement goals. Let’s get started. Are you ready? 1Based on analysis conducted by the Principal Financial Group®, October 2015. The estimate assumes a 40-year span of accumulating savings and the following facts: retirement at age 65; a combined individual and plan sponsor contribution of 12 percent; Social Security providing 40 percent replacement of income; 7 percent annual rate of return; 2.5 percent annual inflation; and 3.5 percent annual wage growth over 40 years in the workforce. This estimate is based on a goal of replacing about 85 percent of salary. The assumed rate of return for the analysis is hypothetical and does not guarantee any future returns nor represent the return of any particular investment. Contributions do not take into account the impact of taxes on pre-tax distributions. Individual results will vary. Participants should regularly review their savings progress and post-retirement needs. Assuming pre-retirement annual gross income of $40,000. AON Consulting's 2008 Replacement Ratio StudyTM http://www.aon.com/about-aon/intellectual-capital/attachments/human-capital-consulting/RRStudy070308.pdf 1 Based on analysis conducted by the Principal Financial Group®, October 2015. The estimate assumes a 40-year span of accumulating savings and the following facts: retirement at age 65; a combined individual and plan sponsor contribution of 12 percent; Social Security providing 40 percent replacement of income; 7 percent annual rate of return; 2.5 percent annual inflation; and 3.5 percent annual wage growth over 40 years in the workforce. This estimate is based on a goal of replacing about 85 percent of salary. The assumed rate of return for the analysis is hypothetical and does not guarantee any future returns nor represent the return of any particular investment. Contributions do not take into account the impact of taxes on pre-tax distributions. Individual results will vary. Participants should regularly review their savings progress and post-retirement needs. Assuming pre-retirement annual gross income of $40,000. AON Consulting's 2008 Replacement Ratio StudyTM http://www.aon.com/about-aon/intellectual-capital/attachments/human-capital-consulting/RRStudy070308.pdf

Create an account We’ll ask you to provide your name, date of birth, ZIP code, and identification number. Then, you’ll need to verify your identity by answering a few questions administered by a trusted third party. Create your username and password, provide an email address, set some other security items and you’re good to go. Visit principal.com/help/help-individuals/help-online-account-access for more information. The first thing you’ll need to do is either log in to your account or create an online account with a strong password.   By setting up your account, you make sure other people can’t create an account in your name. This not only protects your information and your savings, it also helps us know you’re really you. That’s an added level of security. Go to principal.com and click on “Log in.” Then, select “personal.” When you reach the log-in screen, click on the words “register now” to create an account. Once you’ve created an account, you’ll just need to go to the log-in button next time you want to access your account. We’ll ask you to provide your name, date of birth, ZIP code, and identification number. Finally, create your username and password, register your mobile phone number (or register your "email" if you don't have a mobile phone number) and you're good to go. You’ve created your account and protected your information. And we're committed to making sure your information stays protected. That's why we use two-factor verification -- to prevent others from accessing your account. When you log in, we'll send a verification code to your registered mobile phone number or email. You must enter the code we send to verify that you're really you. You can choose to use a verification code every time you log in or just when we think there's suspicious activity. Pretty easy so far, right?

Manage your account — anywhere, anytime Account information Contributions Investments Loans and withdrawals Rollovers Now that you’ve created an account access, what can you do at principal.com? Maybe you’re up at night worrying about your investments. Or you have questions about your plan for retirement. Perhaps you’re thinking about making changes to your contributions. Or want to know what it takes to start a rollover.   We make it easy to get the information you want and need—no matter what time it is or where you are. Principal.com is one of your go-to sources for information, updates and education. When you log in, you can find your Retirement Wellness Score, review account statements, manage your contributions, make changes to allocations, review current investments, request a loan or withdrawal, explore your rollover options, and more—all from your desktop. For illustrative purposes only

Review your Retirement Wellness Score Retirement Wellness Score sample Another thing you can do with your online account is check your Retirement Wellness Score. How many of you know your Retirement Wellness Score? That’s the next thing we’re going to do today.   Go to principal.com/myscore to log in. If you haven’t unlocked your score yet, you’ll need to answer a few simple questions about things like your annual salary, how much you currently contribute, when you want to retire, and any outside assets (like a retirement plan from a previous employer). If you’ve already unlocked your score, now is a good time to review your inputs, like salary and contribution percentage, to make sure they’re still correct. Your Retirement Wellness Score is a quick snapshot that shows you how your retirement planning is going. -A green score means you’re doing well and you’re likely on track with your savings plan. -A yellow score means you may have a shortfall and may want to think about making some small changes. -A red score means there may be some serious concerns that you should address right away. Once you know your score, you can use the Retirement Wellness Planner to make changes and see the potential impacts in real time. Be sure to check your score regularly and use the planner to make adjustments if you get a raise, decide to increase your contributions, change your intended retirement date and more. Remember little adjustments you make today can make a big impact in the future. You’re doing great so far. Everyone ready to move on? For illustrative purposes only

Designate a beneficiary1 Version 1 Designate a beneficiary1 principal.com/beneficiary NOTE: Use this slide with plans that allow for online beneficiary designation. Remove following slide. Although it’s not fun to think about, it is important to plan for the unexpected. You can make sure that, if something happens to you, your assets go to the right person (or people).   That person is called a beneficiary. Designating a beneficiary for your assets makes sure that when the unexpected happens, you can save your loved ones a lot of trouble by making your wishes clear. It’s simple to name a beneficiary or change your beneficiary. Go to principal.com/beneficiary and log in to confirm your current beneficiary, update, or enter a beneficiary. And, if you have questions, My Virtual Coach may be able to help answer them. Just visit principal.com/myvirtualcoach-beneficiary. We’re making great progress. Let’s keep going. 1 Beneficiary designations are legal designations that are needed whenever a qualified retirement plan provides benefits to beneficiaries of deceased participants. They state who is to receive the benefits and how benefits are to be paid in the event of a plan participant's death. Certain beneficiary designations cannot be completed online. Instead, a paper form must be completed and signed. If needed, you will be given the option to print the paper beneficiary form from the website. Based on your marital status, your designation may require spousal approval.

Designate a beneficiary1 Version 2 Designate a beneficiary1 Contact your HR person or benefits administrator. NOTE: Use this slide with plans that do not allow for online beneficiary designation. Remove previous slide. Although it’s not fun to think about, it is important to plan for the unexpected. You can make sure that, if something happens to you, your assets go to the right person (or people).   That person is called a beneficiary. Designating a beneficiary for your assets makes sure that when the unexpected happens, you can save your loved ones a lot of trouble by making your wishes clear. It’s simple to name a beneficiary or change your beneficiary. Your Human Resources person has this information on file. Contact HR or your benefits administrator to find out how you can designate, confirm and update a beneficiary through your employer. <<FORM MAY ALSO BE PRESENTED DURING THE SEMINAR>> We’re making great progress. Let’s keep going. 1 Beneficiary designations are legal designations that are needed whenever a qualified retirement plan provides benefits to beneficiaries of deceased participants. They state who is to receive the benefits and how benefits are to be paid in the event of a plan participant's death. Certain beneficiary designations cannot be completed online. Instead, a paper form must be completed and signed. If needed, you will be given the option to print the paper beneficiary form from the website. Based on your marital status, your designation may require spousal approval.

Review your investments principal.com/investorprofilequiz Like many elements of retirement planning, your investment needs may change with time. (In fact, they may have changed already!)   Reviewing your investments regularly can help you make sure they’re in line with your retirement goals, and that they reflect your comfort level with risk as you get closer to retirement. If you’re unsure how to go about assessing your investments or making changes, the Investor Profile Quiz can be helpful. Go to principal.com/investorprofilequiz and log in. By answering a few simple questions, you can see if changes may need to be made. Although we don’t have time to dive in today, you can get a closer look at the details of your investments by logging in to your account at <<FPO VANITY URL>> For illustrative purposes only

Schedule a 1:1 Education Meeting Experienced Noncommissioned Principal Retire SecureSM retirement professional No additional cost to you Visit principal.com/phone1on1 Call 800.243.4380 ext. 2442 Note: Use this slide with eligible Retire Secure clients. Remove for all others. Retirement planning can seem overwhelming at times, but you don’t have to do it alone. Your plan includes an opportunity for you to have a one-on-one education meeting with me at no additional cost to you. We can sit down together to develop a plan that’s tailored to you and your retirement goals.   I can help you every step of the way by: -Reviewing your unique needs and goals -Identifying gaps in your savings -Helping protect your income and assets Meetings are usually held here. So if you’d like to schedule a meeting, please <HOW TO SIGN UP FOR MEETING> If you aren’t able to attend an in-person meeting or if you’d rather talk on the phone, set up an appointment by visiting principal.com/phone1on1 or call 800-243-4380 ext. 2442. You can do this. And I can help.

Learn more — anywhere, anytime principal.com/educationhub If you have more questions about investments, rollovers, contributions and other ways to stay on track for retirement, the retirement planning section at principal.com features an education hub. Here you’ll find insightful articles, helpful calculators, interactive planning tools and informative webinars.   My Virtual Coach is a series of interactive experiences that educate to help you understand your options and make informed decisions about retirement planning. You can choose from topics like savings, rollover, investment choices, beneficiary elections, loans—or you can complete the financial checkup. Monthly webinars give you insight from industry professionals on a variety of retirement topics on the third Wednesday of every month. They’re short (less than 30 minutes) and will give you a chance to ask questions via the chat feature. You can also listen to replays anytime. There’s always a new webinar or topic featured on the education hub so be sure to check back often.

Join the Take 5 Challenge principal.com/TakeFive Complete My Virtual Coach Checkup Check your Retirement Wellness Score View a webinar Designate a beneficiary Review investments Are you ready for the Take 5 Challenge? You know, by being here today and taking five with us, you’ve already got a great start. Let’s keep the momentum going.   The Take 5 Challenge consists of five quick and simple steps you can take to make sure your retirement plan is keeping up with your life. You can find the Take 5 Challenge on the education hub page in the Retirement Planning tab. Get started by visiting principal.com/myvirtualcoach-checkup and completing the My Virtual Coach Checkup. Then, you’ll see four action items to help you reach your retirement goals, including: checking your Retirement Wellness Score, viewing a webinar, designating a beneficiary and reviewing your investments. Visit principal.com/TakeFive anytime to complete those action items. Each time you complete an action item, click the “I did it!” button and you’ll be automatically registered for a chance to win a Bluetooth speaker. You can also mail in an entry – details are available in the “Terms and Conditions” section on principal.com/TakeFive.

Take 5 to make sure you’re on track today Advisor name/information facebook.com/principalfinancial twitter.com/principal Taking just five minutes now—the time it takes to make a grocery list, reply to an email or fill up your car with gas—may mean a more secure retirement in the future.   Start by setting up an account or logging in to your account at Principal.com and providing an email to receive confirmations and updates. See where you're at with the My Virtual Coach Checkup. And complete the action items at principal.com/TakeFive. And don’t forget to connect with us on Facebook and Twitter. Or, if you’d rather talk to a real person, call us at 1-800-547-7754 Monday through Friday, 7am-9pm Central. We’re here to help. Questions: 1.800.547.7754

This document is intended to be educational in nature and is not intended to be taken as a recommendation. 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®. They only provide guidelines which may be helpful in making personal financial decisions. Responsibility for those decisions is assumed by the participant, not Principal. Individual results will vary. Participants should regularly review their savings progress and post-retirement needs. Retirement professionals provide education, which may be helpful in making personal retirement decisions. Responsibility for those decisions is assumed by the participant, not Principal®. Participants should regularly review their savings progress and post-retirement needs. Terms & Conditions apply to the Take 5 giveaway. Insurance products and plan administrative services provided through Principal Life Insurance Co. Securities offered through Principal Securities, Inc., 800-547-7754, member SIPC and/or independent broker/dealers. Principal Life, and Principal Securities® are members of the Principal Financial Group®, Des Moines, IA 50392. Certain investment options may not be available in all states or U.S. commonwealths.  PT535-03 | © 2017 Principal Financial Services, Inc. | 07/2017 | t1701100612