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your current age and the definition of normal retirement date under the plan. Your directions must be

received at the Corporate Center of Principal Life Insurance Company.

See the table below to identify the Principal Trust Target Date Fund that will apply based on your current age and

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Note: Neither the principal nor the underlying assets of the Principal Trust Target Date Funds are

guaranteed at any time, including the target date. Investment risk remains at all times.

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included in the enrollment workbook for important information about the Principal Trust Target Date Fund

that will apply as the default investment option. You will find information including, but not limited to, related

objectives, risk and return characteristics, fees and expenses and certain affiliations of Principal Trust Company

and the nondiscretionary investment adviser Principal Management Corporation.

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Funds Inc., mutual funds and each is managed toward a particular target (retirement) date, or the approximate

date the participant or investor starts withdrawing money. As each Principal Trust Target Date Fund approaches

its target date, the investment mix becomes more conservative by increasing exposure to generally more conservative

investment options and reducing exposure to typically more aggressive investment options. The asset allocation for

each Principal Trust Target Date Fund is regularly re-adjusted within a time frame that extends 10-15 years beyond the

target date, at which point it reaches its most conservative allocation. Principal Trust Target Date Funds assume the

value of the investor's account will be withdrawn gradually during retirement.

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 If you do not want retirement funds to be directed as indicated above, then you may elect to direct the retirement funds

to investment options under the retirement plan by visiting The Principal Web site at www.principal.com and logging into

the account or by calling 1-800-547-7754.

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You may make changes to your investment direction as allowed under the retirement plan. This includes transferring

any contributions from the applicable investment option default to another investment option. Transfers out of the

investment option default are not subject to restrictions, fees or expenses¹ for a 90-day period, unless the fees and

expenses are charged on an ongoing basis for the operation of the investment². See the attached investment information

for information regarding restrictions, fees or expenses after the 90-day period.

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 For additional information about the investment option default or other investment alternatives under the plan

please visit www.principal.com or contact:

DAVID MELDRUM-GREEN

11002 LAKE HART DR STE 100

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¹Includes surrender charges, liquidation or exchange fees, redemption fees and similar expenses charged in connection

with the liquidation of, or transfer from, the investment option default.

²Includes investment management fees, distribution and/or service fees, "12b-1" fees, or legal, accounting, transfer agent

and similar administrative expenses.