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Community Reinvestment Act Notice - Principal Bank

Under the Federal Community Reinvestment Act (CRA), the Comptroller of the Currency (OCC) evaluates our record of helping to meet the credit needs of this community, consistent with safe and sound operations. The Comptroller also takes this record into account when deciding on certain applications submitted by us.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA, including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent CRA Performance Evaluation, prepared by the Comptroller or previous regulatory agencies; and comments received from the public relating to our performance in helping to meet the community credit needs, as well as our responses to those comments. You may review this information today.

At least 30 days before the beginning of each quarter, the Comptroller publishes a nationwide list of the banks that are scheduled for CRA examination in that quarter. This list is available from the Deputy Comptroller at: Comptroller of the Currency, 1225 17th Street, Suite 300, Denver, CO 80202. You may send written comments about our performance in helping to meet community credit needs to: Ms. Janice Coney, Manager of Community Development, Principal Bank, P.O. Box 9351, Des Moines, Iowa 50392-0040, and to the Deputy Comptroller at the Denver, CO address listed above. Your letter, together with any response by us, will be considered by the Comptroller in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the Deputy Comptroller. You may also request from the Deputy Comptroller an announcement of our applications covered by the CRA filed with the Comptroller. We are an affiliate of Principal Financial Group, Inc., Principal Financial Services, Inc., Principal Life Insurance Company and Principal Holding Company, each a registered savings and loan holding company. You may request from the Comptroller an announcement of applications covered by the CRA filed by the savings and loan holding companies.

Thank you for your interest in Principal Bank.

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