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TERMS OF USE


I. INTRODUCTION

These Terms of Use govern your access and use of the websites, including
wireless services or systems ("websites") of the Principal Financial Group®, its
affiliates and subsidiaries (as used here "Principal®" refers to the Principal
Financial Group, its affiliates and subsidiaries, jointly and severally). All
information accessed or viewed is considered confidential and is for only
authorized personal or business purposes.


II. ACCEPTANCE OF TERMS

These websites are the property of one or more of the member companies and/or
affiliates of the Principal Financial Group, Inc. By linking, referencing, using
or accessing websites of Principal, you agree to these Terms and Conditions,
including agreeing to indemnify and hold harmless Principal from all claims of
any nature arising from your access and use of these websites.

These Terms and Conditions may be changed at any time at the sole discretion of
Principal. These Terms and Conditions pertain to all websites of Principal,
including websites owned, operated or sponsored by any of the subsidiaries or
affiliates of Principal.


III. CONSENT TO DO BUSINESS ELECTRONICALLY

By consenting to do business electronically with the Principal Financial Group
(or member companies), you agree that:

 * You've read and agree to our disclosures, terms of use and privacy policies.
 * You are who you say you are when logging in and transacting business through
   our websites.
 * If you are logging in on behalf of your employer, you have the appropriate
   authority to log in and conduct business electronically on its behalf.
 * This Consent applies to any transactions conducted through our website.
 * You have the right to withdraw this consent at any time by calling
   800-986-3343. 
 * You will need access to a computer with a current internet browser and an
   operating system that allows you to save files or print web pages and
   documents. See hardware and software recommendations below for more
   information. 
 * You may print this Consent and any electronic record or you can contact us to
   request a paper copy from us for free.
 * You will notify us of changes to your email or mailing address by logging in
   to the My Profile section or calling 800-986-3343.
 * United States laws and Iowa laws govern our sites and your use of them.
 * Your online activity may be viewed, monitored and recorded to help prevent
   and detect fraud.

If you do not consent, you will not be able to access account information or
conduct transactions online.

Consent to do Business Electronically (version 8) was updated on July 25, 2015.


IV. SECURE WEBSITES

By using, accessing or attempting to access websites of Principal that require
you to log in (these are defined as "secure websites"), you are certifying you
are the person legally associated with the username, password, login image and
phrase or additional method(s) of authentication being used.

Unauthorized access or use or attempts to access or use secure websites of
Principal is prohibited and may violate federal and/or state law. Principal may
report unauthorized access, use or attempts to access or use to law enforcement.


V. INTELLECTUAL PROPERTY; LINK AND LOGO LICENSING

The content found on websites of Principal, including without limitation, the
text, graphics, videos, selection and arrangement of information, and page
layouts, is protected by copyright and other intellectual property laws and
treaties. You may download and print copyrighted materials for your personal
non-commercial use only. You may not modify, transmit, or distribute any of the
copyrighted materials without the specific written consent of Principal.

Trademarks, service marks and logos used on websites of Principal are registered
and unregistered trademarks, protected by the laws of the United States and
other countries worldwide. Trademarks, service marks and logos used on these
websites that have been provided by others are the property of their respective
owners. You may not use any of the trademarks, service marks or logos found on
these websites without the specific written consent of Principal or their
respective owners.

If you would like to link to Principal or use its logos on your site, please
complete the Link/Logo License Agreement Form.


VI. PRIVACY

All personal information is subject to the Privacy Policy of Principal. The
information for the accounts you have with Principal is kept secure and
confidential through multiple security features and procedures. See our online
privacy policies and security policies for further information.


VII. NO LEGAL OR INVESTMENT ADVICE; CALCULATORS/CALCULATIONS

While this communication may be used to promote or market a transaction or an
idea that is discussed in the websites of Principal, it is intended to provide
general information about the subject matter covered and is provided with the
understanding that Principal is not rendering legal, accounting, or tax advice.
It is not a marketed opinion and may not be used to avoid penalties under the
Internal Revenue Code. You should consult with appropriate counsel or other
advisors on all matters pertaining to legal, tax, or accounting obligations and
requirements.

This website also contains video and audio files where the comments were valid
on the date the files were recorded. Markets move continuously and you should
only rely on current information for any investment decisions.

Retirement and/or financial calculators/calculations which may be provided
within these websites are provided solely for you to estimate hypothetical
future financial or retirement status. You are responsible for the accuracy of
any estimates and should not rely solely on these calculators. Seek advice from
qualified providers before you make any investment or retirement decisions.


VIII. PRINCIPAL GLOBAL INVESTORS DISCLOSURES

Principal Global Investors leads global asset management at Principal® and
includes the asset management operations of the following members of Principal®:
Principal Global Investors, LLC; Principal Real Estate Investors, LLC; Principal
Enterprise Capital, LLC; Spectrum Asset Management, Inc.; Post Advisory Group,
LLC; Columbus Circle Investors; Morley Capital Management Inc.; Finisterre
Capital; Origin Asset Management, LLP; Principal Global Investors (Europe)
Limited; Principal Global Investors (Singapore) Ltd.; Principal Global Investors
(Australia) Ltd.; Principal Global Investors (Japan) Ltd.; Principal Global
Investors (Hong Kong) Ltd., and include assets where we provide model
portfolios. Marketing assets under management include certain assets that are
managed by Principal International and Retirement and Income Solutions divisions
of Principal.

Principal Real Estate Investors, LLC is the dedicated real estate group of
Principal Global Investors. Principal Real Estate Investors, LLC is a registered
investment adviser and a member of the Principal Financial Group. Certain
members of Principal Real Estate Investors, LLC previously operated as Principal
Capital Management, Principal Capital Real Estate Investors, BT Funds Management
or the investment department of Principal Life Insurance Company.


IX. LINKS TO OTHER SITES - LIMITATION OF LIABILITY

Principal may provide, or third parties may provide, for your convenience and
information only, links to other websites. Because Principal does not have
control over these sites, you agree that Principal is not responsible for any
liability resulting from the access or use of sites not owned by Principal and
that Principal is not responsible for any content, advertising, product, or any
other matter or issue, available online, whether linked to, or from, websites of
Principal. Further, you agree that Principal shall not be responsible or liable,
directly or indirectly, for any damage or loss caused, or alleged to be caused
by or in connection with the use of websites Principal does not own.


X. THIRD PARTY APPLICATIONS - MODIFICATION PROHIBITED

Principal may provide you with access to third-party applications and services
through its websites. You agree not to modify, decompile or reverse engineer any
such third party applications, or any code related to such third party
applications.


XI. TERMINATION AND BLOCKING

You agree that Principal reserves the right to terminate and/or block your use
or access of its websites for any reason without prior notice to you.


XII. MONITORING

Principal reserves the right to monitor your access and use of its websites
without notification to you. Principal may record or log your use in a manner as
set out in privacy policies.


XIII. HARDWARE AND SOFTWARE RECOMMENDATIONS

You can access our websites using a current internet browser. If you're on an
older browser and are having issues with our site, we suggest you install a more
current browser.

In addition to using a current browser, you must also be sure certain browser
settings are enabled to access our websites.  Cookies must be enabled to access
secured areas of the site (such as viewing account information), Javascript must
be enabled and stylesheets must be enabled.  Note: by default, all of the above
items are enabled when you install a browser.

Software installed to prohibit pop-ups or restricted banner ads might interfere
with this site and cause you to experience general errors or frozen pages. We
recommend that this software be disabled or un-installed before using this site.

We recommend using a computer with a Pentium 4+, 1.8+ GHz processor, minimum
256+ MB (megabytes) of RAM (Random Access Memory), at least a 56K Internet
connection speed and 40 GB hard disk storage, CD-ROM - 48X, Windows 2000 or XP
Operating System, Microsoft Office 2000 (or higher).


XIV. EXPORT CONTROL

The United States controls the export of products and information. You agree to
comply with such restrictions and not to export or re-export any Material to
countries or persons prohibited under the export control laws. By downloading
any Material, you are agreeing that you are not in a country where such export
is prohibited and that you are not a person or entity to which such export is
prohibited. You are responsible for compliance with the laws of your local
jurisdiction regarding the import, export, or re-export of any Material.


XV. LIMITATION OF LIABILITY

You agree that your access to, and use of, the websites of Principal and the
content thereof is at your risk. You agree that under no circumstances shall
Principal be liable for any direct, indirect, incidental, special,
consequential, punitive or exemplary damages arising from viruses, worms, trojan
horses or other code that has contaminating or destructive properties or our
reference, using, accessing, inability to use or access or linking to or from
the websites of Principal or any errors or omissions in the content thereof.
There are some jurisdictions that do not allow for the exclusion of certain
warranties or the limitation or exclusion of liability for consequential or
incidental damages. Based on this conclusion, the liability of Principal is
limited to the greatest extent permitted by law.


XVI. GOVERNING LAW; SEVERABILITY

These Terms of Use are governed by the laws of the State of Iowa with
jurisdiction and venue being in Polk County, Iowa. You agree that your
referencing, using or accessing websites of Principal constitutes your
acceptance of the jurisdiction of state or federal courts in Polk County, Iowa
and that legal action may be brought against, or by, you must be brought in
state or federal courts in Polk County, Iowa.

In the event any of the provisions of these Terms of Use shall be determined by
a court of competent jurisdiction to be invalid, any such provision determined
to be invalid shall not effect the validity of all remaining provisions.


XVII. SOCIAL MEDIA & BLOG COMMENTING

We welcome comments, opinions and questions. Anything threatening, libelous,
defamatory, obscene, pornographic or other material that would violate the law
will be deleted.

We take our customers' security very seriously. We do not respond to any
questions that pertain to a specific individual, account, or financial issue.

We do not endorse any of the third party content posted on our social media
properties, nor do we have any control over it. No part of our social media
properties are intended to act as a recommendation, suggestion, or testimonial
for any service or product.

XVIII. Text Messages 

Please visit our Text Messages from Principal page for all applicable
information about account-related, marketing, or other alerts from Principal via
text message.



--------------------------------------------------------------------------------



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View our Global Privacy Statement



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PRIVACY PREFERENCE CENTER

When you visit any website, it may store or retrieve information on your
browser, mostly in the form of cookies. These “cookies” of information might be
about you, your preferences, or your device, and they’re mostly used to make the
site work as you expect it to. Cookies don’t usually directly identify you, but
they can give you a more personalized web experience. Because we respect your
right to privacy, you can choose not to allow some types of cookies. Click on
the category headings to read more or change your default settings. (Note:
Blocking some types of cookies may impact your experience on our site, as well
as the services we can offer you.)
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STRICTLY NECESSARY COOKIES

Always active

These cookies are necessary for our website to function and can’t be switched
off in our systems. They’re set for you behind the scenes when you do things
such as log in, fill out forms, make a request for services, or set your privacy
preferences. You can set your browser to block or alert you about these cookies,
but some parts of our site won’t work without them.

Cookies Details‎

PERFORMANCE COOKIES

Performance Cookies

These cookies allow us to count how many times people visit our website, and how
they get here, so we can measure and improve its performance. They show us which
pages are the most (and least) popular, and how visitors move around on the site
when they’re here. If these cookies are, we have less information about how to
improve our sites that will be useful to you.

Cookies Details‎

FUNCTIONAL COOKIES

Functional Cookies

These cookies enable our website to work smoothly and in a manner personalized
to you. They may be set by us or by third-party providers whose services we’ve
added to our pages. For example; downloading a customer service form using PDF.
If these cookies are blocked, then some or all of these services may not
function.

Cookies Details‎

MARKETING COOKIES

Marketing Cookies

These cookies may be set through our site by our advertising partners. They may
be used by those companies to build a profile of your interests and show you
relevant advertisements on other sites. If these cookies are blocked, you will
experience less targeted advertising.

Cookies Details‎

SOCIAL MEDIA COOKIES

Social Media Cookies

These cookies are set by a range of social media services that we have added to
the site to enable you to share our content with your friends and networks. They
are capable of tracking your browser across other sites and building up a
profile of your interests. This may impact the content and messages you see on
other websites you visit.    If you do not allow these cookies you may not be
able to use or see these sharing tools.

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