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1 Your account must be open for 5 years and you must be over age 59 ½ (or meet certain other exceptions) to be eligible for qualified tax-free withdrawals.

2 If you have a Money Market account with Principal Bank and are 59 ½ or older, you can order checks for your account and withdraw money at any time (up to 6 distributions each month). Call us at 800-672-3343 to order checks.

3 If you’re in a CD, you may only make penalty-free withdrawals during your CD renewal period.

4 If you’re in a Standard, Liquid, or legacy IRA CD, you may only make contributions to your account during your CD renewal period. If you’re in a Select IRA CD, you may make contributions at any time.

The subject matter in this communication is educational only and provided with the understanding that Principal® is not rendering legal, accounting, investment or tax advice. You should consult with appropriate counsel, financial professionals or other advisors on all matters pertaining to legal, tax, investment or accounting obligations and requirements.

Principal® SimpleInvest is a discretionary investment advisory program that offers diversified investment portfolios for a fee. Principal® SimpleInvest is sponsored and managed by Principal Advised Services, LLC, which consults with Principal Global Investors, LLC in the creation of the portfolios and the selection of the underlying portfolio investments. Principal Global Investors, LLC also provides trading and execution services. Principal Advised Services, LLC and Principal Global Investors, LLC are members of the Principal Financial Group®. Brokerage and custodial services provided by Apex Clearing Corporation, member FINRA, NYSE and SIPC. Apex Clearing Corporation is not affiliated with any member of the Principal Financial Group®. Principal® SimpleInvest portfolios are comprised primarily of Principal® products, including affiliated mutual funds and ETFs.

Please refer to the Form ADV(PDF) and Form CRS (PDF) for Principal Advised Services, LLC, the Miscellaneous Fee Schedule (PDF) for Apex Clearing Corporation, and other applicable disclosures and agreements for important information about Principal® SimpleInvest and its services, fees and related conflicts of interest. All investments have inherent risks. Investing in Principal® SimpleInvest portfolios does not guarantee profit or protect against loss.

Insurance products and plan administrative services provided through Principal Life Insurance Co. Principal Funds, Inc. is distributed by Principal Funds Distributor, Inc. Securities offered through Principal Securities, Inc., member SIPC, and/or independent broker-dealers. Annuities, insurance, retirement plans, mutual funds and other securities are not insured by the FDIC, are not obligations or deposits for Principal Bank® nor guaranteed by Principal Bank, and involve risk, including possible loss of the principal invested. Principal Funds Distributor, Inc., Principal Securities, Principal Bank and Principal Life are members of the Principal Financial Group®, Des Moines, IA 50392.

Bank products and services are provided by Principal Bank®, member FDIC. Principal Bank is a member of the Principal Financial Group®, Des Moines, Iowa 50392.