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Pension Provider®/Principal Security Builder Retirement ProgramSM Separate Account Unit Values & Performance

View investment results: Month-End |Quarterly

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Large U.S. Equity

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12/18/2014 Values Average Annual Total Returns as of 11/30/2014 Total Investment Expense
Investment Manager or Sub-Advisor Investment Unit Value YTD % *1 Month3 Months 1yr 3yr 5yr 10yr Since
Incept
Inception Date Net Gross Contractual Cap / Waiver Expiration Date
Large Value
Edge Asset Management, Inc.Equity Income Separate Account-Pro 3, 1222.1710.812.312.5714.2216.6213.646.747.1806/30/20092.032.03N/A
N/A
Principal Global InvestorsLargeCap Value Separate Account-Pro 27.239.692.021.2311.1418.2813.165.336.4706/01/19951.961.96N/A
N/A
Westwood / Barrow HanleyLargeCap Value III Separate Account-Pro 3, 15, 23, 2817.4810.852.292.6113.0518.3612.133.764.0812/29/20002.302.3102/28/2015
02/28/2015
Large Blend
Edge Asset Management, Inc.Capital Appreciation Separate Account-Pro 3, 12, 1822.3510.832.552.9713.9318.2013.757.3611.1806/30/20091.991.99N/A
N/A
Principal Financial AdvisorsTotal Market Stock Index Separate Account-Pro 2, 11, 3517.9411.152.382.9514.0718.7314.266.493.9509/28/19991.661.66N/A
N/A
Principal Global InvestorsLargeCap S&P 500 Index Separate Account-Pro 2, 8, 4566.1011.852.553.2914.8918.8914.026.297.8801/01/19901.661.66N/A
N/A
Large Growth
Am Century/Montag & CaldwellLargeCap Growth II Separate Account-Pro 3, 15, 28, 3114.4910.402.903.3913.0116.3912.556.582.6712/29/20002.382.3902/28/2015
02/28/2015
Columbus Circle InvestorsLargeCap Growth Separate Account-Pro 25.4510.591.381.9811.7318.0913.937.056.3206/01/19952.062.06N/A
N/A
Principal Global InvestorsBlue Chip Separate Account-Pro 3, 1211.918.813.363.6512.42N/AN/AN/A18.9609/30/20132.262.4612/31/2014
12/31/2014
T. Rowe Price/Brown AdvisoryLargeCap Growth I Separate Account-Pro 3, 28, 3015.536.941.942.8911.0517.8514.997.613.2812/29/20002.122.1402/28/2015
02/28/2015

Small/Mid U.S. Equity

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12/18/2014 Values Average Annual Total Returns as of 11/30/2014 Total Investment Expense
Investment Manager or Sub-Advisor Investment Unit Value YTD % *1 Month3 Months 1yr 3yr 5yr 10yr Since
Incept
Inception Date Net Gross Contractual Cap / Waiver Expiration Date
Mid Cap Value
Goldman Sachs/LA Capital MgmtMidCap Value I Separate Account-Pro 1, 14, 2850.7310.952.610.8714.0319.3615.608.037.7107/01/19992.462.5202/28/2015
02/28/2015
Principal Global/Barrow HanleyMidCap Value III Separate Account-Pro 159.118.522.070.7611.1819.7416.328.059.7101/01/19912.162.16N/A
N/A
Mid Cap Blend
Principal Global InvestorsMidCap S&P 400 Index Separate Account-Pro 1, 2, 10, 4534.017.361.700.2310.3317.4015.778.238.3408/31/19991.661.66N/A
N/A
Mid Cap Growth
Columbus Circle InvestorsMidCap Growth Separate Account-Pro 123.5610.763.651.0714.4816.3415.607.845.5706/01/19952.162.16N/A
N/A
Robert Baird/William BlairMidCap Growth III Separate Account-Pro 1, 13, 28, 4819.395.622.792.129.6214.1514.096.864.2010/28/19992.462.4802/28/2015
02/28/2015
Small Value
DFA/Vaughan Nelson/LA CapitalSmallCap Value II Separate Account-Pro 1, 14, 27, 2820.123.040.45-0.934.1417.8115.215.946.8006/01/20042.612.6302/28/2015
02/28/2015
Edge Asset Management, Inc.Small-MidCap Dividend Income Separate Account-Pro 1, 3, 1211.235.330.17-1.287.7016.71N/AN/A12.9109/30/20132.462.46N/A
N/A
Small Blend
Principal Global InvestorsSmallCap Blend Separate Account-Pro 154.402.071.29-1.474.7919.0716.236.629.9501/01/19912.262.26N/A
N/A
Principal Global InvestorsSmallCap S&P 600 Index Separate Account-Pro 1, 2, 9, 4534.682.54-0.400.662.6417.6016.537.198.4008/31/19991.661.66N/A
N/A
Small Growth
AllianceBern/CCI/Brown/EmeraldSmallCap Growth I Separate Account-Pro 1, 3, 28, 5216.56-0.690.450.331.0615.8717.557.573.6012/29/20002.532.6002/28/2015
02/28/2015
Real Estate
Principal Real Estate InvReal Estate Securities Separate Account-Pro 3, 7, 1237.8830.451.986.5228.0616.1716.258.0911.0112/31/20022.532.53N/A
N/A

International Equity

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12/18/2014 Values Average Annual Total Returns as of 11/30/2014 Total Investment Expense
Investment Manager or Sub-Advisor Investment Unit Value YTD % *1 Month3 Months 1yr 3yr 5yr 10yr Since
Incept
Inception Date Net Gross Contractual Cap / Waiver Expiration Date
Diversified Emerging Markets
Principal Global InvestorsInternational Emerging Markets Separate Account-Pro 431.84-5.54-0.97-7.53-0.662.222.007.577.6001/01/19952.862.86N/A
N/A
Foreign Large Value
Causeway / Barrow HanleyOverseas Separate Account-Pro 4, 14, 28, 37, 4313.68-5.600.40-4.58-0.9010.795.38N/A5.7409/30/20082.582.6102/28/2015
02/28/2015
Foreign Large Blend
Origin Asset Management LLPInternational I Separate Account-Pro 4, 14, 20, 28, 5134.030.710.76-3.524.8111.565.753.882.7107/01/19992.462.46N/A
N/A
Principal Global InvestorsDiversified International Separate Account-Pro 431.26-3.730.11-4.041.319.776.435.266.0805/20/19872.412.41N/A
N/A
Principal Global InvestorsInternational Equity Index Separate Account - Pro 2, 3, 4, 38, 39, 4511.81-6.250.28-4.66-1.929.54N/AN/A4.0512/30/20091.861.86N/A
N/A
Foreign Small/Mid Blend
Principal Global Investors/DFAInternational SmallCap Separate Account-Pro 1, 4, 1655.32-5.07-0.55-7.88-2.0011.308.926.6810.0201/01/19952.812.81N/A
N/A
World Stock
Principal Global InvestorsGlobal Opportunities Separate Account-Pro 3, 4, 1211.303.731.11-0.837.09N/AN/AN/A14.2209/30/20132.412.4112/31/2014
12/31/2014
Global Real Estate
Principal Real Estate InvGlobal Real Estate Securities Separate Account-PRO 3, 4, 7, 12, 4511.3313.800.641.3814.1514.9413.09N/A1.7509/30/20132.432.4302/28/2015
02/28/2015

Balanced/Asset Allocation

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12/18/2014 Values Average Annual Total Returns as of 11/30/2014 Total Investment Expense
Investment Manager or Sub-Advisor Investment Unit Value YTD % *1 Month3 Months 1yr 3yr 5yr 10yr Since
Incept
Inception Date Net Gross Contractual Cap / Waiver Expiration Date
Conservative Allocation
Multiple Sub-AdvisorsDiversified Real Asset Separate Account-Pro 3, 12, 34, 4510.980.56-1.29-5.284.194.13N/AN/A5.4912/31/20102.382.38N/A
N/A
Multiple Sub-AdvisorsGlobal Diversified Income Separate Account-Pro 3, 12, 25, 4510.774.19-0.41-1.826.989.038.86N/A13.0009/30/20132.342.34N/A
N/A
Multiple Sub-AdvisorsSAM Flexible Income Separate Account - Pro 12, 17, 22, 33, 36, 5024.033.970.640.075.356.906.164.274.9401/16/20072.432.43N/A
N/A
Multiple Sub-AdvisorsSAM Conservative Balanced Separate Account - Pro 12, 17, 22, 33, 36, 5021.164.250.860.305.948.317.144.674.2101/16/20072.482.48N/A
N/A
Moderate Allocation
Multiple Sub-AdvisorsSAM Balanced Separate Account - Pro 12, 17, 22, 33, 36, 5029.674.941.120.397.0710.968.995.206.1401/16/20072.522.52N/A
N/A
Aggressive Allocation
Multiple Sub-AdvisorsSAM Conservative Growth Separate Account - Pro 12, 17, 22, 33, 36, 5030.575.671.390.538.2713.3010.495.316.3101/16/20072.562.56N/A
N/A
Retirement Income
Multiple Sub-AdvisorsPrincipal LifeTime Strategic Income Sep Acct-Pro 17, 22, 33, 36, 4915.742.760.45-0.384.005.325.502.703.4403/30/20012.142.14N/A
N/A
Target Date 2000-2010
Multiple Sub-AdvisorsPrincipal LifeTime 2010 Sep Acct-Pro 17, 22, 33, 36, 4917.213.220.76-0.304.987.967.413.594.1203/30/20012.182.18N/A
N/A
Target Date 2011-2015
Multiple Sub-AdvisorsPrincipal LifeTime 2015 Sep Acct-Pro 17, 22, 33, 36, 4912.733.420.86-0.205.509.178.02N/A3.7902/29/20082.202.20N/A
N/A
Target Date 2016-2020
Multiple Sub-AdvisorsPrincipal LifeTime 2020 Sep Acct-Pro 17, 22, 33, 36, 4918.833.920.95-0.116.1810.628.804.504.8103/30/20012.222.22N/A
N/A
Target Date 2021-2025
Multiple Sub-AdvisorsPrincipal LifeTime 2025 Sep Acct-Pro 17, 22, 33, 36, 4913.054.271.07-0.046.6511.379.17N/A4.1702/29/20082.242.24N/A
N/A
Target Date 2026-2030
Multiple Sub-AdvisorsPrincipal LifeTime 2030 Sep Acct-Pro 17, 22, 33, 36, 4919.144.381.13-0.056.9712.099.644.864.9303/30/20012.262.26N/A
N/A
Target Date 2031-2035
Multiple Sub-AdvisorsPrincipal LifeTime 2035 Sep Acct-Pro 17, 22, 33, 36, 4913.314.571.200.037.3412.889.98N/A4.4802/29/20082.272.27N/A
N/A
Target Date 2036-2040
Multiple Sub-AdvisorsPrincipal LifeTime 2040 Sep Acct-Pro 17, 22, 33, 36, 4919.634.571.150.007.4713.3410.275.045.1203/30/20012.292.29N/A
N/A
Target Date 2041-2045
Multiple Sub-AdvisorsPrincipal LifeTime 2045 Sep Acct-Pro 17, 22, 33, 36, 4913.454.811.250.027.7413.7310.43N/A4.6302/29/20082.302.30N/A
N/A
Target Date 2046-2050
Multiple Sub-AdvisorsPrincipal LifeTime 2050 Sep Acct-Pro 17, 22, 33, 36, 4919.134.831.260.017.7914.0410.645.204.9303/30/20012.292.29N/A
N/A
Target Date 2051+
Multiple Sub-AdvisorsPrincipal LifeTime 2055 Sep Acct-Pro 17, 22, 33, 36, 4913.414.811.240.027.8014.0010.48N/A4.5802/29/20082.352.3502/28/2015
02/28/2015
Multiple Sub-AdvisorsPrincipal LifeTime 2060 Sep Acct-Pro 17, 22, 33, 36, 4912.374.671.17-0.067.72N/AN/AN/A13.5303/01/20132.43295.5802/28/2015
02/28/2015
Large Blend
Multiple Sub-AdvisorsSAM Strategic Growth Separate Account - Pro 12, 17, 33, 36, 5032.786.931.560.789.5715.2911.715.446.7101/16/20072.542.54N/A
N/A

Short-Term Fixed Income

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12/18/2014 Values Average Annual Total Returns as of 11/30/2014 Total Investment Expense
Investment Manager or Sub-Advisor Investment Unit Value YTD % *1 Month3 Months 1yr 3yr 5yr 10yr Since
Incept
Inception Date Net Gross Contractual Cap / Waiver Expiration Date
Short Term Bond
Edge Asset Management, Inc.Short-Term Income Separate Account-Pro 3, 12, 19, 22, 4510.30-0.080.09-0.06-0.011.281.202.012.8312/31/20101.961.96N/A
N/A
Money Market
Principal Global InvestorsMoney Market Separate Account-Pro 6, 4429.40-1.67-0.14-0.43-1.73-1.57-0.940.423.7412/10/19801.911.91N/A
N/A

Fixed Income

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12/18/2014 Values Average Annual Total Returns as of 11/30/2014 Total Investment Expense
Investment Manager or Sub-Advisor Investment Unit Value YTD % *1 Month3 Months 1yr 3yr 5yr 10yr Since
Incept
Inception Date Net Gross Contractual Cap / Waiver Expiration Date
High Yield Bond
JP Morgan / Neuberger BermanHigh Yield I Separate Account-Pro 5, 14, 19, 21, 2218.15-0.07-0.77-1.902.467.767.80N/A6.4312/31/20042.162.16N/A
N/A
Principal Global InvestorsHigh Yield Separate Account-Pro 3, 5, 12, 19, 2210.27-0.10-0.67-1.793.098.217.866.976.6209/30/20132.092.1002/28/2015
02/28/2015
Intermediate-Term Bond
Edge Asset Management, Inc.Income Separate Account-Pro 3, 12, 19, 2213.333.360.38-0.184.244.164.254.376.3806/30/20092.012.01N/A
N/A
Mellon Capital MgmtBond Market Index Separate Account - Pro 2, 19, 2211.263.840.560.553.411.12N/AN/A2.5012/30/20091.761.76N/A
N/A
Principal Global InvestorsBond and Mortgage Separate Account-Pro 19, 22, 45527.323.350.23-0.123.803.014.453.296.6202/01/19832.062.06N/A
N/A
Intermediate Government
Edge Asset Management, Inc.Government & High Quality Bond Separate Account-Pro 19, 22, 2619.313.820.450.873.471.462.231.573.1807/01/19931.911.91N/A
N/A
Inflation-Protected Bond
BlackRock Financial Mgmt, Inc.Inflation Protection Separate Account-Pro 14, 19, 22, 24, 4510.041.520.00-2.071.30-0.692.35N/A0.1312/31/20041.911.91N/A
N/A
Owned Real Estate
Principal Real Estate InvU.S. Property Separate Account-Pro 40376.859.680.682.4310.0810.3910.874.295.1801/01/19822.502.50N/A
N/A
Preferred Stock
SpectrumPreferred Securities Separate Account-Pro 3, 19, 2218.129.600.740.649.709.559.104.754.9205/31/20022.262.26N/A
N/A

Other

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12/18/2014 Values Average Annual Total Returns as of 11/30/2014 Total Investment Expense
Investment Manager or Sub-Advisor Investment Unit Value YTD % *1 Month3 Months 1yr 3yr 5yr 10yr Since
Incept
Inception Date Net Gross Contractual Cap / Waiver Expiration Date
Multialternative
Multiple Sub-AdvisorsGlobal Multi-Strategy Separate Account-Pro 3, 12, 42, 4510.472.151.500.883.613.55N/AN/A3.2109/30/20133.163.7912/31/2014
12/31/2014

Provider®/Principal Security Builder Retirement ProgramSM Guaranteed Interest Rates***
This link opens a PDF page3-Year Maturity This link opens a PDF page5-Year Maturity
0.10% 0.25%

Availability of Accounts is subject to contract provisions.

A surrender charge may apply to withdrawals or transfers from an unmatured guaranteed interest account.

Investment results shown represent historical performance and do not guarantee future results. Investment returns and principal values fluctuate with changes in interest rates and other market conditions so the value, when redeemed may be worth more or less than original costs. Current performance may be lower or higher than the performance data shown.

In situations where the net and gross expense figures are different, the investment manager has contractually agreed to limit the investment option's expense. Differences may also be shown due to the investment manager choosing to pay certain expenses that would normally be payable by the investment option. The gross total investment expense figure does not reflect any waivers or caps on the mutual fund or underlying mutual fund in which a Separate Account invests. Returns displayed are always based on net total investment expense.

Not FDIC Insured
May Lose Value - Not a Deposit - No Bank Guarantee
Not Insured by any Federal Government Agency

* Unannualized rate of return (change in value) since the start of the year.

*** Guaranteed rates for new deposits are subject to change daily. The rate displayed illustrates today’s rate through the close of business.

Returns shown for periods of less than one year are not annualized.

Separate Accounts are available through a group annuity contract with Principal Life Insurance Company. Insurance products and plan administrative, if applicable, services are provided by Principal Life Insurance Company, a member of the Principal Financial Group, Des Moines, IA 50392. See the fact sheet for the full name of the Separate Account. Certain investment options may not be available in all states or U.S. commonwealths. Principal Life Insurance Company reserves the right to defer payments or transfers from Principal Life Separate Accounts as described in the group annuity contracts providing access to the Separate Accounts or as required by applicable law. Such deferment will be based on factors that may include situations such as: unstable or disorderly financial markets; investment conditions which do not allow for orderly investment transactions; or investment, liquidity, and other risks inherent in real estate (such as those associated with general and local economic conditions). If you elect to allocate funds to a Separate Account, you may not be able to immediately withdraw them.

Before directing retirement funds to a separate account, investors should carefully consider the investment objectives, risks, charges and expenses of the separate account as well as their individual risk tolerance, time horizon and goals. For additional information contact us at 1-800-547-7754 or by visiting principal.com.

Investment Types
Large U.S. Equity - This asset class is generally comprised of investment options that invest in stocks, or shares of ownership in large, well-established, U.S. companies. These investment options typically carry more risk than fixed income investment options but have the potential for higher returns over longer time periods. They may be an appropriate choice for long-term investors who are seeking the potential for growth. All investment options in this category have the potential to lose value.
Small/Mid US Equity - This asset class is generally comprised of investment options that invest in stocks, or shares of ownership in small to medium-sized U.S. companies. These investment options typically carry more risk than larger U.S. equity investment options but have the potential for higher returns. They may be an appropriate choice for long-term investors who are seeking the potential for growth. All investment options in this category have the potential to lose value.
International Equity - This asset class is comprised of investment options that invest in stocks, or shares of ownership in companies with their principal place of business or office outside the United States. These investment options often carry more risk than U.S. equity investment options but may have the potential for higher returns. They may be an appropriate choice for long-term investors who are seeking the potential for growth. All investment options in this category have the potential to lose value.
Balanced/Asset Allocation - This asset class is generally comprised of a combination of fixed income and equity investment options. These investment options may include balanced, asset allocation, target-date, and target-risk investment options. Although typically lower risk than investment options that invest solely in equities, all investment options in this category have the potential to lose value.
Short-Term Fixed Income - This asset class is generally comprised of short-term, fixed-income investment options that are largely liquid and are designed to not lose much value. These investment options may include stable value, money market, short-term bond, and guaranteed interest accounts. They are considered to be among the least risky forms of investment options. However, they typically have a lower rate of return than equities or longer-term fixed income investment options over long periods of time. Depending on the objectives of the investment options, they may experience price fluctuations and may lose value.
Fixed Income - This asset class is generally comprised of investment options that invest in bonds, or debt of a company or government entity (including U.S. and Non- U.S.). It may also include real estate investment options that directly own property. These investment options typically carry more risk than short-term fixed income investment options (including, for real estate investment options, liquidity risk), but less overall risk than equities. All investment options in this category have the potential to lose value.

Footnotes:

 1. Small-cap and mid-cap investment options are subject to more fluctuation in value and may have additional risks than other investment options with stocks of larger, more stable companies.
 2. Each index based investment option is invested in the stocks or bonds of the index it tracks. Performance of indexes reflects the unmanaged results for the market segment the selected stocks or bonds represent. There is no assurance an index based investment option will match the performance of the index tracked.
 3. This Separate Account invests solely in the Institutional class shares of the Principal Funds. All voting rights associated with ownership of shares in the mutual fund are the rights of the Separate Account, not of contract holders investing in the Separate Account. For further information on the underlying mutual fund, see the prospectus of the fund.
 4. International and global investment options are subject to additional risk due to fluctuating exchange rates, foreign accounting and financial policies, and other economic and political environments.
 5. High yield investment options are subject to greater credit risk and volatility that is associated with high yield bonds.
 6. This investment option is not guaranteed by the Federal Deposit Insurance Corporation (FDIC), or any other government agency. Although this investment option seeks to preserve the value of an investment, it is possible to lose money by investing in this portfolio.
 7. Real Estate investment options are subject to investment and liquidity risk and other risks inherent in real estate such as those associated with general and local economic conditions. Property values can decline due to environmental and other reasons. In addition, fluctuation in interest rates can negatively impact the performance of real estate investment options.
 8. S&P 500 is a trademark of The McGraw-Hill Companies, Inc., and has been licensed for use by Principal Life Insurance Company and Principal Management Corporation. The product is not sponsored, endorsed, sold or promoted by Standard & Poor's and Standard & Poor's makes no representation regarding the advisability of investing in the product.
 9. S&P SmallCap 600 is a trademark of The McGraw-Hill Companies, Inc. and has been licensed for use by Principal Life Insurance Company and Principal Management Corporation. The product is not sponsored, endorsed, sold or promoted by Standard & Poor's and Standard & Poor's makes no representation regarding the advisability of investing in the product.
 10. S&P MidCap 400 is a trademark of The McGraw-Hill Companies, Inc. and has been licensed for use by Principal Life Insurance Company and Principal Management Corporation. The product is not sponsored, endorsed, sold or promoted by Standard & Poor's and Standard & Poor's makes no representation regarding the advisability of investing in the product.
 11. S&P 500, S&P MidCap 400, S&P SmallCap 600, and S&P SuperComposite 1500 are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by Principal Life Insurance Company and Principal Management Corporation. The product is not sponsored, endorsed, sold or promoted by Standard & Poor's and Standard & Poor's makes no representation regarding the advisability of investing in the product.
 12. These calculated returns reflect the historical performance of the oldest share class of the fund, adjusted to reflect a portion of the fees and expenses of this share class. For time periods prior to inception date of the fund, predecessor performance is reflected. Please see the fund's prospectus for more information on specific expenses, and the fund's most recent shareholder report for actual date of first sale. Expenses are deducted from income earned by the fund. As a result, dividends and investment results will differ for each share class.
 13. This Separate Account invests solely in the Institutional class shares of the Principal Funds. All voting rights associated with ownership of shares in the mutual fund are the rights of the Separate Account, not of contract holder investing in the Separate Account. For further information on the underlying mutual fund see the prospectus of the fund.
 14. This Separate Account invests solely in the Institutional class shares of the Principal Funds. All voting rights associated with ownership of shares in the mutual fund are the rights of the Separate Account, not of contract holders investing in the Separate Account. For further information on the underlying mutual fund, see the prospectus of the fund.
 15. From March 1, 2006, to December 31, 2007, Bank of New York served as a sub-advisor for managing the cash portion of this investment option.
 16. Effective November 13, 2006, Dimensional Fund Advisors (DFA) was added as an additional sub-advisor. Performance results displayed reflect all sub-advisors managing this portfolio during the time periods displayed.
 17. Equity investment options involve greater risk, including heightened volatility, than fixed-income investment options. Fixed-income investment options are subject to interest rate risk, and their value will decline as interest rates rise.
 18. Small-cap and mid-cap stocks may have additional risks, including greater price volatility.
 19. Fixed-income investment options are subject to interest rate risk, and their value will decline as interest rates rise. Neither the principal of bond investment options nor their yields are guaranteed by the U.S. government.
 20. Effective March 31, 2007, references to Fidelity Management & Research as investment advisor were replaced with Fidelity (Pyramis Global Adv). This is a name change only and does not affect the management, objective, or strategy of this investment option.
 21. Effective January 2, 2008, this portfolio is co-sub-advised by JP Morgan and Neuberger Berman Fixed Income LLC (formerly named Lehman Brothers Asset Management). Prior to January 2, 2008 Post Advisory Group was a third sub-advisor for this portfolio. Performance results displayed reflect all sub-advisors managing this portfolio during the time periods displayed.
 22. Fixed-income and asset allocation investment options that invest in mortgage securities are subject to increased risk due to real estate exposure.
 23. Effective July 15, 2008, Westwood Management Corp. was added as an additional sub-advisor. Performance results displayed reflect all sub-advisors managing this portfolio during the time periods displayed.
 24. Effective December 31, 2008, this portfolio is sub-advised by BlackRock Financial Management, Inc. Prior to December 31, 2008, the portfolio was sub-advised by Principal Global Investors.
 25. Fixed-income investment options are subject to interest rate risk, and their value will decline as interest rates rise. Lower-rated securities are subject to additional credit and default risks. Risks associated with preferred securities differ from risks inherent with other investments. In particular, in the event of bankruptcy, a company's preferred securities are senior to common stock but subordinated to all other types of corporate debt. International investing involves increased risks due to currency fluctuations, political or social instability, and differences in accounting standards, these risks are magnified in emerging markets. REIT securities are subject to risk factors associated with the real estate industry and tax factors of REIT registration.
 26. Effective April 9, 2009, this portfolio is sub-advised by Edge Asset Management. Prior to April 9, 2009, the portfolio was sub-advised by Principal Global Investors.
 27. Effective May 1, 2009, LA Capital was added as an additional sub-advisor. Performance results displayed reflect all sub-advisors managing this portfolio during the time periods displayed.
 28. This Separate Account invests solely in the Institutional class share of a mutual fund (Fund) from Principal Funds, Inc. The manager of the Fund, Principal Management Corporation, invests between 10% and 40% of the Fund's assets in common stocks in an attempt to match or exceed the performance of the Fund's benchmark index for performance.
 30. Effective July 14, 2009, Brown Advisory was added as an additional sub-advisor. Performance results displayed reflect all sub-advisors managing this portfolio during the time periods displayed.
 31. Effective July 14, 2009, Montag & Caldwell was added as an additional sub-advisor. Performance results displayed reflect all sub-advisors managing this portfolio during the time periods displayed.
 33. Asset allocation does not guarantee a profit or protect against a loss. Investing in real estate, small-cap, international, and high-yield investment options involves additional risks. Additionally there is no guarantee this investment option will provide adequate income at or through retirement.
 34. Fixed-income investment options are subject to interest rate risk, and their value will decline as interest rates rise. Neither the principal of bond investment options nor their yields are guaranteed by the U.S. or any other government entity. Concentrating investments in natural resources industries can be affected significantly by events relating to those industries, such as variations in the commodities markets, weather, disease, embargoes, international, political and economic developments, the success of exploration projects, tax and other government regulations and other factors. Investment in derivatives entails specific risks relating to liquidity, leverage and credit that may reduce returns and/or increase volatility. REIT securities are subject to risk factors associated with the real estate industry and tax factors of REIT registration. An MLP that invests in a particular industry (e.g., oil and gas) may be harmed by detrimental economic events within that industry. As partnerships, MLPs may be subject to less regulation (and less protection for investors) under state laws than corporations. In addition, MLPs may be subject to state taxation in certain jurisdictions, which may reduce the amount of income paid by an MLP to its investors.
 35. Effective June 30, 2010, this portfolio is sub-advised by Principal Financial Advisors. Prior to June 30, 2010, the portfolio was sub-advised by Principal Global Investors.
 36. The Investment Advisor will display "Multiple Sub-Advisors" for certain target-date, target-risk and specialty investment options where the assets are directed by the Investment Manager to multiple underlying investment options. These underlying investment options may use multiple sub-advisors who are responsible for the day-to-day management responsibilities.
 37. Effective August 10, 2010, this portfolio is sub-advised by Causeway and Barrow Hanley. Prior to August 10, 2010, the portfolio was sub-advised by AXA Rosenberg and Causeway. The portfolio has had various sub-advisors since its inception. Performance results displayed reflect all sub-advisors managing this portfolio during the time periods displayed.
 38. The International Equity Index investment option described herein is indexed to an MSCI index.
 39. The Statement of Additional Information for the underlying mutual fund contains a more detailed description of the limited relationship MSCI has with Principal and any related investments.
 40. This investment option is subject to investment and liquidity risk and other risks inherent in real estate such as those associated with general and local economic conditions. If you elect to contribute funds into the U.S. Property Separate Account, withdrawals may be delayed for up to 3 years.
 42. This fund utilizes alternative investment strategies such as arbitrage, leverage, derivatives, and shorting securities in addition to traditional investments. Investment risk may be magnified with the use of these alternative strategies. In addition, securities such as bonds, equities, commodities, international and emerging market securities, and currencies are used to implement the investment strategy. These investments are subject to risks associated with market and interest rate movements. The fund is considered non-diversified which may make it more susceptible to price volatility if the fund does not meet its objective. Due to the nature of the investment process, investors should not expect significant outperformance during market rallies. Additional risks are included in the funds prospectus. It is possible to lose money when investing in the fund.
 43. Formerly known as International Value I Separate Account.
 44. The net return experienced may be negative if the costs to maintain and operate the Money Market Separate Account exceed returns. Participants may also see negative returns if plan expenses, if applicable, are netted or deducted from their accounts.
 45. The risks associated with derivative investments include that the underlying security, interest rate, market index, or other financial asset will not move in the direction the Investment Adviser and/or Sub-Advisor anticipated, the possibility that there may be no liquid secondary market, the risk that adverse price movements in an instrument can result in a loss substantially greater than a fund's initial investment, the possibility that the counterparty may fail to perform its obligations; and the inability to close out certain hedged positions to avoid adverse tax consequences.
 48. Effective January 13, 2014, this portfolio is sub-advised by Baird and William Baird and William Blair. Prior to January 13, 2014, this portfolio was sub-advised by Turner and Jacobs Levy. The portfolio has had various sub-advisors since its inception. Performance results displayed reflect all sub-advisors managing this portfolio during the time periods displayed.
 49. This Separate Account invests directly in the Institutional class shares of a Principal LifeTime Fund. The mutual fund operating expenses for each Principal LifeTime Fund are reflected in the Total Investment Expense of the Separate Accounts well as the operating expenses of the underlying funds in which the Principal LifeTime Fund invests. Based on the asset allocation of the Principal LifeTime Funds as in the prospectus dated March 1, 2014, the weighted average operating expenses of the underlying funds are: Principal LifeTime Strategic Income, 0.59%; Principal LifeTime 2010, 0.63%; Principal LifeTime 2015, 0.65%; Principal LifeTime 2020, 0.67%; Principal LifeTime 2025, 0.69%; Principal LifeTime 2030, 0.71%; Principal LifeTime 2035, 0.72%; Principal LifeTime 2040, 0.74%; Principal LifeTime 2045, 0.74%; Principal LifeTime 2050, 0.74%; Principal LifeTime 2055, 0.75%; Principal LifeTime 2060, 0.79%. For further information on all mutual fund expenses, see the prospectus of the underlying Principal LifeTime Fund. All voting rights associated with ownership of shares in the mutual fund are the rights of the Separate Account, not of contract holders investing in the Separate Account.
 50. This Separate Account invests directly in the Institutional class shares of a Principal Strategic Asset Management Portfolio (SAM). Performance results shown prior to January 16, 2007, are of the mutual fund (Institutional class performance adjusted based on the historical performance of the A class shares of the Fund where Institutional class shares is not available) only adjusted for the fees of the Separate Accounts since the Separate Account was not available. The underlying SAM Portfolio indirectly bears its pro rata share of the management fees incurred by the underlying Principal Fund in which this portfolio invests. Based on the asset allocation of the Principal Strategic Asset Management Portfolio outlined in the prospectus dated March 1, 2014, the weighted average operating expenses of the underlying funds are: Flexible Income, 0.58%; Conservative Balanced, 0.63%; Balanced, 0.68%; Conservative Growth, 0.72%; Strategic Growth, 0.70%. While the operating expenses of the underlying mutual funds are not part of the SAM Portfolio operating expenses they are included in the Total Investment Expense. Performance results shown for the SAM Portfolio reflect the application of these expenses. For further information on all mutual fund expenses, see the prospectus of the underlying SAM Portfolio. All voting rights associated with ownership of shares in the mutual fund are the rights of the Separate Account, not of contract holders investing in the Separate Account.
 51. Effective June 3, 2014, this portfolio is sub-advised by Origin Asset Management. Prior to June 3, 2014, this portfolio was sub-advised by Fidelity and Schroders. The portfolio has had various sub-advisors since its inception. Performance results displayed reflect all sub-advisors managing this portfolio during the time periods displayed.
 52. Effective April 25, 2014, Emerald was added as an additional sub-advisor. Performance results displayed reflect all sub-advisors managing this portfolio during the time periods displayed.

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