enrollment instructions it s easy to make changes

Enroll today in your organization’s retirement plan quickly by

visiting principal.com or calling 1-800-547-7754.

ENROLLMENT INSTRUCTIONS

ESTABLISH YOUR USERNAME AND PASSWORD1

• Under Account Login, select PERSONAL as the login type, and click GO.

• Click the ESTABLISH YOUR USERNAME AND

PASSWORD link.

• Enter your SOCIAL SECURITY NUMBER and the ACCOUNT/CONTRACT NUMBER: 499999.

• Verify your identity, create your username and password, enter your email address, and select and answer your online security questions.

CHOOSE YOUR CONTRIBUTION AMOUNT3• Click the ENROLL NOW link.

• Follow the prompts to choose your contribution percentage, and click SAVE AND CONTINUE.

ELECT INVESTMENT OPTIONS4

• Follow the prompts to choose your investment direction, and click SAVE AND CONTINUE.

REVIEW AND SUBMIT5

• Review the elections you made.

• If everything is correct, click the confi rmation box, then click SUBMIT.

DESIGNATE YOUR BENEFICIARY6

• Select the DESIGNATE YOUR BENEFICIARY link on the CONFIRMATION PAGE.

• Follow the prompts to elect your benefi ciary, then click SUBMIT.

You can also enroll over the phone.

Simply call 1-800-547-7754 to

reach our automated phone

system, or talk to one of our

retirement specialists.

Give us a call ...

IT’S EASY TO MAKE CHANGES

If at any time you would

like to make changes to this

retirement account, simply log

on to principal.com.

You’ll be able to choose from

a wide array of actions, from

electing future investment

options to changing

the amount you

contribute to

the plan.

Or, to make your changes

over the telephone, call our

automated phone system at

1-800-547-7754.

ONLINE INSTRUCTIONS

SET YOUR LOGIN IMAGE AND PHRASE2• Log back in to PRINCIPAL.COM.

• Follow the prompts to choose a login image and phrase.

principal.com 5611

445121.

04.25.2012 085521 Enrollment Form - Page 1 of 6

SUNRISE COMMUNITY HEALTH401(K) SAFE HARBOR PLANPrincipal Life Insurance CompanyDes Moines, IA 50306-9394

Enrollment FormContract/Plan ID Number 4-45121

CTD01321

My Personal Information (please print with black ink)

Name (Last) (First) (MI) Phone Number

( ) -

Street Address Email Address

City State Zip Country Gender

q Male q Female

Social Security Number Date of Birth Marital Status

- - / / q Single q Married

Expected Retirement Age Original Date of Employment

/ /NOTE: The email address you submit willbe used for services provided by the Principal

If you were rehired, Date of Termination Date of RehireFinancial Group ®, unless otherwise elected. Wewill not provide your email to third parties.

complete these dates: / / / /For more information, see your privacy policyat principal.com.

Rollover Funds q YES! Tell me how The Principal can help me roll over retirement savings from u Complete if you would like to

consolidate retirement savings.a previous employer’s retirement plan. Please call me at ( _____ ) ______ - ___________to discuss my options. The best time to call is ______ a.m. ______ p.m. My estimatedrollover balance is $ __________________________.

To learn about rollover opportunities now, call The Principal at 1-800-547-7754, Monday – Friday, 7 a.m. - 9 p.m. CT.

My ContributionsTake advantage of your employer’s match! (pick one)

q I elect to contribute 2.0% of my current and future pay per pay period. (My employer’s suggested contribution. Contribution electionapplies to regular pay and any bonus pay.)

q I elect to contribute ______% (0% to 100%) of my current and future pay per pay period before taxes, and/or I elect tocontribute ______% (0% to 100%) after taxes as Roth elective deferral contributions. This will also apply for my current andfuture bonus unless I indicate a different percentage here ______% (0.00% to 100.00%).

q I am already enrolled, but I want to change my contribution to _____% (0% to 100%) of my current and future pay per payperiod.

q In ADDITION to my deferral amount, I want to make voluntary, non-deductible contributions of _____% (0% to 100%). Iunderstand these contributions are after-tax contributions and will be deducted each pay period from my current and futuresalary.

q I choose not to contribute to the retirement plan at this time.


Enrollment Form Contract/Plan ID Number 4-45121

My ContributionsDo Not Delete

Principal Step Ahead Retirement Option SM

(optional, but may help you stay on track; only applies to pre-tax, non-Roth contributions)

In addition to electing a contribution rate, I would also like to automatically increase my contribution amount each year with Principal Step Ahead. I may opt out or change the percentage increase at any time

q Step Ahead my salary deferral contribution by ______% each year for the next ______ years effective on the annual increasedate of 12/01 each year.

My Investment ChoicesDo Not Delete

Please elect ONE OF THE THREE CHOICES by checking the box(es) and completing the applicable information for the choice.(If you are already enrolled and want to make changes to how future contributions are directed, visit principal.com or call 1-800-547-7754.)

do not delete

CHOICE A: Do-it-for-Me — Principal LifeTime portfolioq I elect a Principal LifeTime portfolio

I understand contributions will be directed to the applicable Principal LifeTime portfolio based on my Expected Retirement Ageentered within the Personal Information section, or current age and the plan’s normal retirement age.¹ I have read the applicableinformation enclosed regarding the Principal LifeTime portfolios. I do not want to make another investment election at this time,and this will be treated as my investment option direction.

(Please refer to the Investment Option Summary for more information.)

u If you’ve completed this section, move ahead to My Signature!

do not delete

CHOICE B: Do-it-Myself — RetireView® Populated Modelsq I agree to the RetireView Terms & Conditions following this form. Direct my contributions according to the choice I elect, and rebalance

my account on a quarterly basis.

u Be sure to write your Expected Retirement Age within the My Personal Information section of this form.

u Take the Investor Profile Quiz within this workbook; your Risk Tolerance Score may help you when reviewing thefollowing tables.


Contract/Plan ID Number 4-45121 Enrollment Form

u Please choose ONE RetireView Populated Model. (RetireView asset allocation models are effective 05/15/2012. Please refer to the RetireView Populated Models document for more information.)

I choose a risk tolerance toautomatically adjust basedon my Years to Retirement.

I do not want the model toautomatically adjust based onmy Years to Retirement.

You may choose a risk tolerance below based onyour Investor Profile Quiz results, or choose adifferent one from the list. The model will:

Choose a model below based on your Risk ToleranceScore and Years to Retirement. The model will:

• Rebalance quarterly.

• Include an automatic age adjustment.The risk tolerance adjusts to a moreconservative model within the risk toleranceas you get closer to retirement.

• Rebalance quarterly.

Risk Tolerance Score and Risk Tolerances

0 to 17 q Conservative (C)

18 to 41 q Moderate Conservative (MC)

42 to 62 q Moderate (M)

63 to 83 q Moderate Aggressive (MA)

84 to 100 q Aggressive (A)

Risk Years to Retirement

ToleranceScore

0-5years

6-10years

11-15years

16+years

0 to 17 q C1 q C2 q C3 q C4

18 to 41 q MC1 q MC2 q MC3 q MC4

42 to 62 q M1 q M2 q M3 q M4

63 to 83 q MA1 q MA2 q MA3 q MA4

84 to 100 q A1 q A2 q A3 q A4

u More choices with RetireView. All future contributions to this account will be directed to the RetireView asset allocation model you choose unless you also want to allocate some retirement funds differently. Please log in to principal.com, or call1-800-547-7754 for additional information about investment and rebalancing choices.


do not delete

CHOICE C: Do-it-Myself — Choose your own asset allocationq I elect the following investment options (enter percentages below.)

(Please refer to the Investment Option Summary for more information.)

NEWCONTRIBUTIONS

do not delete

Short-Term Fixed IncomePrincipal Global Investors

Money Market Sep Acct A %

Guaranteed Interest Accounts/Investments(Choose up to 1)Guaranteed Interest Account 5 year %

do not delete

Fixed IncomeEdge Asset Management, Inc.

Government & High Quality Bond Sep Acct A %

Principal Global InvestorsBond and Mortgage Sep Acct A %

Principal Real Estate Inv



My Investment Choices

NEWCONTRIBUTIONS

U.S. Property Sep Acct A

Withdrawal requests from the U.S. Property Separate Account may bedelayed.* %

do not delete

Balanced/Asset AllocationMultiple Sub-Advisors

Principal LifeTime Strategic Income Separate Account A %

Principal LifeTime 2010 Separate Account A %





do not delete

Large U.S. EquityAm Century/Montag & Caldwell

LargeCap Growth II Separate Account A %

Principal Global InvestorsLargeCap S&P 500 Index Separate Account A %

TS&W / HerndonLargeCap Value I Separate Account A %

do not delete

Small/Mid U.S. EquityAllianceBern / CCI / Brown

SmallCap Growth I Separate Account A %

DFA/Vaughan Nelson/LA CapitalSmallCap Value II Separate Account A %

Principal Global InvestorsMidCap Blend Separate Account A %

SmallCap Blend Separate Account A %

Principal Global/Barrow HanleyMidCap Value III Separate Account A %

Turner / Jacobs LevyMidCap Growth III Separate Account A %

do not delete

International EquityPrincipal Global Investors

Diversified International Separate Account A %

do not delete

TOTAL of all lines: 100 %


Contract/Plan ID Number 4-45121 Enrollment Form

Your investment election will be effective when it is received in the Corporate Center of The Principal by the close of market. Formsreceived after the close of market will be processed on the next open market date. If no investment election is received, orcontributions are received prior to your investment election, contributions will be directed according to the plan’s defaultinvestment option(s).


My Signature Please sign, then give this completed form to your benefits representative.

This agreement applies to amounts earned until changed by me in writing. I understand my plan sponsor may reduce mycontributions only when required to meet certain plan limits. I will review all statements regularly and report any discrepancy to ThePrincipal immediately.

Signature Date

X _____________________________________________________ _______ /_______ /________



DisclosuresA For more information about this investment option, including the full name of the Separate Account, please visit principal.com or call

1-800-547-7754 for assistance from a retirement specialist.

Your plan sponsor has chosen to make available to you all of the investment options listed on this enrollment form.

Insurance products and plan administrative services are provided by Principal Life Insurance Company, a member of the PrincipalFinancial Group® (The Principal®), Des Moines, IA 50392.

1 The "Do-It-For-Me" section is designed just to give you an easier way of enrolling in the retirement plan. Principal LifeTime portfolios areavailable as another way to use an asset allocation strategy that may be right for you. There are other investment options available underthe retirement plan, and you should review them all. Reviewing all investment options can help you decide whether you wish to designyour own mix of investment options. Please note that your contribution will be directed to the Principal LifeTime portfolio based on aparticular target date or retirement date. If you would rather choose your own mix of investment options, you may do so by completingthe "Do-It-Myself" section of this form or visiting principal.com.

* If you elect to contribute funds into the Principal U.S. Property Separate Account (Separate Account) you may not be able to immediatelywithdraw funds. We may implement a pre-existing contractual limitation in the group annuity contract, which will allow us to managethe Separate Account and satisfy withdrawal requests over time and fairly among all those who request a withdrawal.

Please log in to principal.com for more details.

Information in this enrollment form/worksheet should not be construed as investment advice.

This workbook content is current as of the production date noted below. If there are any discrepancies between this information and thelegal plan document, the legal plan document will govern. If the production date is older than six months, you should contact your plansponsor or log in to principal.com for current retirement plan and investment option information. The member companies of thePrincipal Financial Group® prohibit the manipulation of this workbook content. If your plan sponsor elects to provide this workbookelectronically, The Principal® is not responsible for any unauthorized changes.

04.25.2012 085521 RetireView® Populated Models - Page 1 of 4

RetireView®

Populated ModelsContract/Plan ID Number 4-45121


Note: RetireView asset allocation models are effective 05/15/2012. These allocations may change over time. Please see the RetireView Terms and Conditions section ofthis workbook for a full discussion of the RetireView service, including allocation changes. See the next page for additional models.

0-5 Years to Retirement

Investment Option ConservativeModerate

Conservative ModerateModerateAggressive Aggressive

Asset Allocation Model C1 MC1 M1 MA1 A1

Short-Term Fixed IncomeMoney Market Sep Acct 51.00% 43.00% 32.00% 26.00% 21.00%

Fixed IncomeBond and Mortgage Sep Acct 39.00% 35.00% 28.00% 24.00% 19.00%

Large U.S. ValueLargeCap Value I Separate Account 2.00% 6.00% 9.00% 12.00% 12.00%

Large U.S. BlendLargeCap S&P 500 Index Separate Account 4.00% 3.00% 5.00% 5.00% 5.00%

Large U.S. GrowthLargeCap Growth II Separate Account 0.00% 3.00% 6.00% 7.00% 8.00%

Small or Mid U.S. ValueMidCap Value III Separate Account 0.00% 1.00% 2.00% 2.50% 3.50%SmallCap Value II Separate Account 0.00% 1.00% 2.00% 2.50% 3.50%

Small or Mid U.S. BlendSmallCap Blend Separate Account 1.00% 1.50% 2.00% 2.50% 4.00%MidCap Blend Separate Account 1.00% 1.50% 2.00% 2.50% 4.00%

Small or Mid U.S. GrowthMidCap Growth III Separate Account 0.00% 0.00% 1.00% 1.00% 1.50%SmallCap Growth I Separate Account 0.00% 0.00% 1.00% 1.00% 1.50%

International EquityDiversified International Separate Account 2.00% 5.00% 10.00% 14.00% 17.00%















Note: RetireView asset allocation models are effective 05/15/2012. These allocations may change over time. Please see the RetireView Terms and Conditions section ofthis workbook for a full discussion of the RetireView service, including allocation changes.

RetireView®

Populated ModelsContract/Plan ID Number 4-45121














16+ Years to Retirement













RetireView® Terms and ConditionsImportant Things to Understand

RetireView is an educational service and is not investment advice. It may help a participant in a Plan (“you”) make investment decisions that affectthe Account set up for your benefit under the Plan (“your Account”). The choices you make are your own, and you are solely responsible for them.Definitions of important terms used in this document are found in the Special Terms section, which follows.

When you elect the RetireView service, you will be agreeing to the following terms and conditions. Please read this document carefully. Furtherinformation and details on RetireView Asset Allocation Models created by Ibbotson Associates, RetireView, and the Investment Options the Fiduciary haschosen to populate the RetireView Asset Allocation Models are available on our secure website at principal.com.

An important part of the RetireView service is the Investor Profile Quiz (“Quiz”). The Quiz is available on our secure website at principal.com. This Quizcan help you understand your risk tolerance, and can be useful in helping you decide whether to direct all or part of the retirement funds in your Accountin accordance with a RetireView Populated Model, or whether you would prefer to create your own allocation directions for all or part of your Account.RetireView was designed to work best for those who have taken the Quiz, but you do not have to take it.

By choosing to use the RetireView service, you agree to the following terms and conditions, including the defined terms found below. Again,please read this carefully before you make any choice or elect to leave your current investment directions unchanged.

For convenience, when this document refers to electing or using a Populated Model, it means either the actual election of a RetireView Populated Model,or the election of a risk tolerance and use of the applicable RetireView Populated Model in that risk tolerance.

When you elect to use the RetireView service, you direct that your Affected Account is to be allocated and rebalanced according to your electedRetireView Populated Model or risk tolerance. This includes Rebalancing and, if elected, automatic age adjustment (Aging). Rebalancing will be donequarterly unless you or a Fiduciary directs the Principal Financial Group® to rebalance on a different basis. Aging is a function of the number of years untilyour anticipated retirement date. You may elect to stop use of the Aging feature.

Your direction includes your acceptance of any changes made by a Fiduciary to the Investment Options used in the Populated Model being used to directthe allocation of your Affected Account at the time.

Ibbotson Associates, the developer of the RetireView asset allocation models, may update the models on a periodic basis. If you have elected to directcontributions according to a RetireView Populated Asset Allocation Model, at the time Ibbotson Associates updates the model allocations, you will be giventhe option to either elect the new models or continue using the populated models you originally elected. For more information on why the modelsperiodically change and what that means to you, visit principal.com/retireviewfaq.

Remember, at any time, you may elect to have your Affected Account allocated according to any RetireView Populated Model currently available to youor to such other allocation as you direct.

An Investment Option in a Populated Model may close or become unavailable under the Plan. A Fiduciary may give The Principal® direction as to whatInvestment Option is to be used to replace the closed Investment Option in the Populated Model. This may include a Default Option as described below.

An Investment Option may change and may no longer fit the investment category in which the Investment Option was placed in a Populated Model.Your election to allocate your Affected Account according to a Populated Model will not be affected by such changes, including style drift, until youmake an active election to allocate your Affected Account according to different investment directions.

Please review the information regarding your Account often on our secure website at principal.com to be sure that your Account is beingallocated as you wish.

You may choose to change your investment direction at any time and can allocate your Account among the Investment Options available under the Planas you see fit. If your election means that no part of your Account will be allocated according to a Populated Model, Rebalancing will continue, but willonly rebalance to the allocations that you elected and not to a Populated Model. No future changes to your allocation will be made, including aging orany changes to any Populated Model. You may elect to change your investment direction or elect to use a Populated Model currently available under thePlan generally at any time online on our secure website at principal.com.

You understand that making an election to have your Affected Account allocated and rebalanced according to a Populated Model may include theelection to use the Aging feature. You may also elect to cease using this aging feature online on our secure website at principal.com. If you make such anelection, your Affected Account will continue to rebalance according to the Populated Model you originally elected.

Special TermsAccount - This is the account set up for your benefit under the plan.

Affected Account - You may elect to have all or part of your Account allocated according to a RetireView Populated Model. That part of the Accountis your “Affected Account.”

Aging (automatic age adjustment) - As you draw nearer to retirement, the Populated Models themselves will not “age” (that is, will not become moreconservatively invested), but your Affected Account will be reallocated according to a series of Populated Models that are designed to be increasinglyconservative. This happens in stages based on the time before your expected retirement age. Unless you direct otherwise, this means that, from time totime, your Affected Account will be rebalanced accordingly. Aging ceases with the final Populated Model in a risk tolerance: that Populated Model willgovern the allocation of a Participant’s Affected Account into retirement unless the participant changes allocation directions.


Default Option - These are established by a Fiduciary for times when The Principal does not have enough information to be able to allocate any amountsin your Account in accordance with a Populated Model or to any Investment Options available under the Plan. No default amount will be allocated inaccordance with a Populated Model if that would result in portions of your Account being allocated in accordance with two or more RetireView PopulatedModels. Likewise, if record at The Principal show an active investment direction, no defaulted amounts in your Account will be allocated in accordancewith a Populated Model if you have not chosen Rebalancing.

Fiduciary - An appropriate fiduciary of the Plan (which cannot be The Principal) acting under the Plan.

Ibbotson Associates - Ibbotson Associates is a wholly owned subsidiary of Morningstar, Inc. Neither Ibbotson nor Morningstar® is affiliated with anymember company of the Principal Financial Group.

Investment Option - Investment Option is an investment, such as a mutual fund, that a Fiduciary has decided to make available to Plan participants.

Plan - An employee retirement benefit plan established and maintained by an employer for the employer’s employees.

The Principal Financial Group and The Principal - Principal Life Insurance Company.

Periodic Rebalancing Date - Rebalancing will automatically occur periodically based on either the date you elected to use RetireView rebalancing oron the date you previously elected to use rebalancing under another rebalancing arrangement offered by The Principal.

Rebalancing - Rebalancing will occur with regard to the entire Account (not only will the allocations within the Populated Models be rebalanced, anyallocations to investment options outside the Populated Models will also be affected), with the effect of first rebalancing the value to match thepercentage directed to be an Affected Account, and, after that, the Affected Account will be rebalanced. Rebalancing will be done based on the date youelected Rebalancing, either as part of RetireView or through another rebalancing feature offered by The Principal before you signed up for RetireView.This date will change only in very limited circumstances such as your direction to change the rebalancing period.

There is a chance that a Rebalancing may incur a charge from an investment option. Rebalancing will not occur if a transfer that is part of therebalancing is limited as to amount or timing by an Investment Option. Rebalancing is required for the RetireView service.

IMPORTANT REMINDERSYou will want to take the Quiz at least annually, or as significant events occur, to help make sure the strategy you elected continues to match your risklevel. The Quiz can be accessed by logging in to our secure website at principal.com, clicking the Investments tab, then clicking “Investor Profile Quiz” inthe left navigation. Please keep in mind that this information is just a guideline and educational in nature — it isn’t intended to tell you how to invest.

To read a list of frequently asked questions and answers about RetireView, visit principal.com/retireviewfaq.

Other investment choices not chosen for a Populated Model, but having similar risk and return characteristics, may be available under the Plan. You mayobtain additional information regarding investment choices on our secure website at principal.com. You may choose different types, mixes, or amountsof investment categories than those used in RetireView Populated Models. If you make these choices, you may still elect to rebalance into your electedallocation. However, other automatic features of the RetireView service will not be available, including Aging. Also, if Ibbotson Associates makes changesto the Asset Allocation Models or a Fiduciary changes the Investment Options in a Populated Model, the changes will not automatically be reflected inyour Affected Account’s allocation.

The risk tolerance models (models) are intended to be used as an additional information source for retirement Plan participants making investmentallocation decisions. Pursuant to Department of Labor Interpretive Bulletin 96-1, such models (taken alone or in conjunction with this document) donot constitute investment advice for purposes of the Employee Retirement Income Security Act (ERISA); and there is no agreement or understandingbetween Ibbotson Associates, and us or any plan or plan fiduciary, or any participant who uses this Service, under which the latter receives information,recommendations or advice concerning investments that are to be used as a primary basis for any investment decisions relating to the Plan. Accordingly,neither we nor Ibbotson Associates is a fiduciary with respect to the Plan for purposes of this Service, including the features of Rebalancing and Aging.

Following any allocation model does not assure a profit or guarantee that you will not incur a loss. Performance of individual models may fluctuate andwill be influenced by many factors. In applying particular Asset Allocation Models to your individual situation, you should consider your other assets,income, and investments (e.g., home equity, IRA investments, savings accounts, and interests in other qualified and nonqualified plans) in addition toyour interest in the Plan.

Ibbotson Associates creates Asset Allocation Models using risk/age tolerance models. They begin by analyzing investment categories and constructinglong-term expected returns, standard deviations, and correlation coefficients. These form the inputs for the mean-variance optimization, a statisticaltechnique. Optimization looks at the expected risk and return of each asset class along with the correlation among investment categories, and determineswhich combination of investment categories may provide the highest expected return for any risk level. The goal of optimization is to identify assetallocations that maximize returns for a given level of risk or minimize risk for a given level of return. Ibbotson Associates conducts re-sampled optimizationand sensitivity analysis to ensure the stability of the asset allocation recommendations under a variety of market scenarios. Because forecasting is a criticaland pivotal step in the asset allocation process, Ibbotson Associates develops proprietary capital market forecasts for each investment category using acombination of historical data, current market information, and additional analysis. Each forecast becomes an input in Asset Allocation Model creation.


Personal Information (Please print with black ink)

Name (Last) (First) (MI) Social Security Number __________________________ _____________________ _________ ______ - ______ - _______Address Phone Number___________________________________________________________ (_____) ______ - _______City State Zip Email Address________________________________________ _______ ________ ______________________________

My Beneficiary Choices (pick one)

q Choice A: Single Participant (includes widowed, divorced or legally separated)

I am not married and designate the individual(s) named on Page 2 of this form to receive death benefits from theplan. I understand if I marry, this designation is void one year after my marriage (some plans specify a shorter period).Note: If changing your beneficiary due to a legal separation or divorce, you must attach a copy ofthe court decree.

q Choice B: Married with Spouse as Sole Beneficiary (spouse’s signature is not required)I am married and designate my spouse named on Page 2 of this form to receive all death benefits from the plan/contract.

q Choice C: Married with Spouse Not as Sole Primary Beneficiary(Spouse’s signature REQUIRED — Review QPSA [Qualified Preretirement Survivor Annuity] consent at the end of this form.)I am married and designate the individual(s) named on Page 2 of this form to receive death benefits in accordancewith the plan provisions. Note: If you are married and do not name your spouse as the Sole Primary Beneficiary,your spouse must sign the consent below. The signature must be witnessed by a Plan Representative or NotaryPublic. If you are younger than age 35, your spouse must again consent to this in writing at the start of the planyear in which you reach age 35 for this designation to remain effect.

Notice to spouse: In signing, you are also verifying that you have read the QPSA notice and consent on the lastpage of this form.

q By checking this box, I agree only to the beneficiary designation on this form. My spouse cannot change thebeneficiary without my consent.

Spouse’s Signature (must be witnessed by Plan Representative or Notary Public) Date

X____________________________________________________ ______ / ______ / ______The spouse appeared before me and signed Plan Representative or Notary Public Signature Datethe consent on

______ / ______ / ______ X _______________________ ______ / ______ / ______q (Check if applicable) I certify that my spouse cannot be located to sign this consent. I will notify the plansponsor if my spouse is located. Note: If your spouse cannot be located, check this box and have it witnessedby the Plan Representative. It must be established to the satisfaction of the Plan Representative that your spousecannot be located.I certify that spousal consent cannot be obtained because spouse cannot be located.Plan Representative Signature Date

X____________________________________________________ ______ / ______ / ______


Beneficiary FormRetirement Plan Beneficiary

Designation

Follow these steps to name your beneficiary(ies): 1) Complete the Personal Information Section. 2)Select one of the beneficiary choices (Choice A, Choice B, or Choice C) See page 3 for more detailedinstructions and examples. 3) Name your beneficiary(ies) on Page 2. 4) Sign the form at the bottom ofPage 2. 5) Return the beneficiary form to Principal Life Insurance Company and keep a copy for yourrecords.

Contract/Plan ID Number 4-45121CTD01304

04.25.2012 085521 Beneficiary Form - Page 1 of 4


Name ChangeChange my name - From: Change my name - To: Date

_________________________________ _________________________ ______ / ______ / ______

Reason: q Married q Divorced - Will need to attach divorce decree.

q Other (reason):__________________

My SignatureThis designation revokes all prior designations made under the retirement plan.My Signature (Required) Date

X_________________________________ ____________________ ______ / ______ / ______ UNDER THE PENALTIES OF PERJURY, I certify by my signature that all of the information on this Beneficiary Designation form istrue, current and complete.

Contract/Plan ID Number 4-45121Beneficiary Form

Naming My Beneficiary(ies)Before completing, please read the directions, examples and notice information on this form. You may name one ormore Primary and/or Contingent Beneficiaries. If you need more space to name beneficiaries, please attach a separatelist that you have signed and dated. Note: Unless otherwise provided, if two or more beneficiaries are named, theproceeds shall be paid to the named beneficiaries, or to the survivor or survivors, in equal shares.

Name (Primary Beneficiary[ies]) Date of birth Relationship Social Security Number Percent

_________________________ ___/___/___ ________________ ____ - ____ - ________ _______%Address City State ZIP

_________________________________ _________________________________ ________ ________

Name (Primary Beneficiary[ies]) Date of birth Relationship Social Security Number Percent


_________________________________ _________________________________ ________ ________

If Primary Beneficiary(ies) is not living, pay death benefits to:In most circumstances, your contingent beneficiary(ies) will only receive a death benefit if the primary beneficiarypredeceases you and the death benefit has not been paid in full.

Name (Contingent Beneficiary[ies]) Date of birth Relationship Social Security Number Percent


_________________________________ _________________________________ ________ ________

Name (Contingent Beneficiary[ies]) Date of birth Relationship Social Security Number Percent


_________________________________ _________________________________ ________ ________


DirectionsRead carefully before completing this form. To be sure death benefits are paid as you want them, follow these guidelines:

Use Choice A If you are not married.Use Choice B If you are married and want all death benefits from the Plan paid to your spouse. Your spouse does not have to

sign the form.

Use Choice C If you are married and want death benefits paid to someone other than your spouse, in addition to your spouse,or to a Trust or Estate. Your spouse must sign the spouse’s consent on this form. This signature must bewitnessed by a Plan Representative or Notary Public.

You may name one or more contingent beneficiaries. If you need more space to name beneficiaries, please attach a separatelist that you have signed and dated.

Be sure you sign and date the form. Keep a copy of this form for your records. Return the original to your plan sponsor. Ifyou do not date the form, the designation will become effective the day received by your plan sponsor or Principal Life InsuranceCompany, depending upon plan provisions.

If your marital status changes, review your beneficiary designation to be sure it meets these requirements. If your name changes,complete the Name Change section of this form.

Beneficiary FormContract/Plan ID Number 4-45121

Examples of Naming BeneficiariesBe sure to use given names such as “Mary M. Doe,” not “Mrs. John Doe” and include the address and relationship of the beneficiaryor beneficiaries to the participant. The following examples may be helpful to you:

Name Relationship Social Security Number Address Amount/Percent

One Primary Beneficiary Mary M. Doe Sister XXX-XX-6789 XXXXXXXXXXX 100%

Two Primary Beneficiaries Jane J. Doe Mother XXX-XX-6789 XXXXXXXXXXX 50%John J. Doe Father XXX-XX-6789 XXXXXXXXXXX 50%

or to the survivor

One Primary Jane J. Doe Wife XXX-XX-6789 XXXXXXXXXXX 100%Beneficiary and if living; otherwiseOne Contingent to John J. Doe Son XXX-XX-6789 XXXXXXXXXXX 100%

Estate My Estate 100%

Trust ABC Bank and Trustee or successor in trust under (Trust XXXXXXXXXXX 100%Trust Co. Name) established (Date of Trust

Testamentary Trust (Trust John J. Doe/ Trust created by the Last Will and XXXXXXXXXXX 100%established within the ABC Bank Testament of the participantparticipant’s will)

Children & Grandchildren John J. Doe Son XXX-XX-6789 XXXXXXXXXXX 33.4%(if Beneficiary is a minor, Jane J. Doe Daughter XXX-XX-6789 XXXXXXXXXXX 33.3%use sample wording William J. Doe Son XXX-XX-6789 XXXXXXXXXXX 33.3%shown below.) Provided that if any of my children predeceases me, the surviving children of any such child shall

receive in equal portions the share their parent would have received, if living. If no child of adeceased child survives, the share of that child of mine shall go to the survivor or survivors of mychildren, equally.

Minor Children John J. Doe, son and Jane J. Doe, daughter, equally, or to the survivor. However, if any proceeds(Custodian for Minor) become payable to a beneficiary who is a minor as defined in the Iowa Uniform Transfers to Minors Act

(UTMA), such proceeds shall be paid to Frank Doe, as custodian for John Doe under the Iowa UTMAand Frank Doe, as custodian for Jane Doe under the Iowa UTMA.

Qualified Preretirement Survivor Annuity (QPSA) NoticeIf your spouse has a vested account in a retirement plan, federal law requires that you receive a special death benefit ifyour spouse dies before beginning to receive retirement benefits (or, if earlier, before the beginning of the period for whichthe retirement benefits are paid).If you have been married to your spouse for at least one year (some plans may specify a shorter time period), you havethe right to receive this payment for your life beginning after your spouse dies. The special death benefit is often called aqualified preretirement survivor annuity (QPSA). This death benefit will automatically be paid in a lump sum rather than asa QPSA if the value of the death benefit is $5,000* or less.If the lump-sum value of the death benefit is greater than $5,000, the death benefit will be paid in the form of a QPSA.Other options may be available. The actual amount of the QPSA benefit will vary depending on the vested accountbalance, your age, and the cost to purchase the benefit.Your right to the QPSA benefit provided by federal law cannot be taken away unless you agree to give up that benefit. Ifyou agree, your spouse can choose to have all or part of the death benefits paid to someone else. The person your spousechooses to receive the death benefits is usually called the beneficiary. As an example, if you agree, your spouse can havethe death benefits paid to his or her children instead of you.Example: Pat and Robin Doe agree that Robin will not receive the QPSA benefit. Pat and Robin also decide that half of thedeath benefits that are paid from Pat’s vested account will be paid to Robin and half of the death benefits will be paid toPat and Robin’s child, Chris. The total death benefits are $200 per month. After Pat dies, the plan will pay $100 a month toRobin for the rest of Robin’s life. Chris will also receive payments from the plan as long as Chris lives. Chris will receive lessthan $100 a month because Chris, being younger than Robin, is expected to receive payments over a longer period.Your choice to give up the QPSA benefit must be voluntary. It is your personal decision if you want to give up the right. Ifyou sign this agreement, your spouse can choose the beneficiary who will receive the death benefits without telling youand without getting your agreement. Your spouse can change the beneficiary at any time before he or she beginsreceiving benefits or dies. You have the right to agree to allow your spouse to select only a particular beneficiary. If youwant to allow your spouse to select only a particular beneficiary, check the box in Choice C under My Beneficiary Choicessection, which will limit the beneficiary choice to the one designated on this form.You can agree to give up all or part of the QPSA benefit. If you do so, the plan will pay you the part of the benefit you didnot give up, and pay the remaining part of the benefit to the person or persons selected by your spouse.You can change your mind with respect to giving up your right to the QPSA benefit until the date your spouse dies. Afterthat date, you cannot change this agreement. If you change your mind, you must notify the plan administrator in writingthat you want to revoke the consent you give on this form.You may lose your right to the QPSA benefit if your spouse and you become legally separated or divorced even if you donot sign this agreement. However, if you become legally separated or divorced, you might be able to get a special courtorder (called a qualified domestic relations order, QDRO) that specifically protects your rights to receive the QPSA benefitor that gives you other benefits under this plan. If you are thinking about separating or getting a divorce, you should getlegal advice on your rights to benefits from the plan.

QPSA Spousal Consent and AgreementI understand that I have a right to a QPSA benefit from my spouse’s retirement account (see prior section for explanationof QPSA benefit) if my spouse dies prior to receiving retirement benefits — or if earlier, before the beginning of the periodfor which the retirement benefits are paid. I also understand that if the value of the QPSA benefit is $5,000* or less, theplan will pay the benefit to me in one lump-sum payment.I agree to give up my right to the QPSA death benefit and to allow my spouse to choose another beneficiary to receivesome or all of that benefit. I understand that by signing this agreement, my spouse can choose any beneficiary withouttelling me and without my consent agreement unless I limit my spouse’s choice to the particular beneficiary by checkingthe appropriate box in the My Beneficiary Choices section on Page 1 of this form. If I do not check this box, I understandthat my spouse can change the beneficiary at any time before retirement benefits begin without telling me and withoutgetting my approval.

I understand I do not have to sign this agreement. I am signing this agreement voluntarily. If I do not sign this agreement,I will receive the QPSA benefit if my spouse dies before beginning to receive retirement benefits – or, if earlier, before thebeginning of the period for which the retirement benefits are paid. I understand that if the value of the QPSA benefit is$5,000* or less, the plan will pay the benefit to me in one lump-sum payment.

Insurance products and plan administrative services are provided by Principal Life Insurance Company, a member of thePrincipal Financial Group , Des Moines, IA 50392.* Your plan can specify a lower dollar amount.

Contract/Plan ID Number 4-45121Beneficiary Form


Rollover FormContract/Plan ID Number 4-45121

CTD01314

04.25.2012 085521 Rollover Form - Page 1 of 3

SUNRISE COMMUNITY HEALTH 401(K)SAFE HARBOR PLANPrincipal Life Insurance CompanyDes Moines, IA 50306-9394

Request Rollover From Prior Financial Institution• Contact the financial institution that currently holds your retirement funds to request a rollover.• Instruct them to complete the rollover check as follows:

If you have questions or would like assistance in contacting the financial institution to obtain your rollover funds, please call ourClient Contact Center at 1-800-547-7754.

Follow these simple steps to combine balances from a previous employer’s plan with the current plan.

Name (Last) (First) (MI) __________________________ _____________________ ________ Address Social Security Number___________________________________________________________ _________ - _________ - _________City State Zip Country Phone Number__________________________________ _____ _______ ________ (________) _________ - _________ Email Address

___________________________________________________________Date of birth Expected Retirement Age Date of Original Employment________ /________ /__________ ____________________________ _________ /_________ /__________

Date of Termination Date of Rehire________ /________ /________ _________ /_________ /__________

Note: The email address you submit will be used for all services provided by The Principal®. We will not provide your email to third parties. For moreinformation, see our privacy policy at principal.com.

1 Rollover InformationThe retirement funds rolled over into this plan result from a distribution from a: (please check applicable boxes).

q 401(k) or other Qualified Plan

q Simplified Employee Pension Plan (SEP)

q SIMPLE IRA q Governmental 457 Plan

q IRA (pre-tax contributions) q 403(b) PlanName of Financial Institution from which Previous Plan/Account Name and Number from whichfunds are transferring funds are transferring_______________________________________ ________________________________________________The rollover is assumed to be a pre-tax distribution unless specified below:Amount of non-Roth After-Tax Contributions (i.e., basis) $_________ Amount of Roth After-tax Contributions (i.e., basis) $_________

Amount of Earnings on Roth After-tax $_________Year 1st Roth After-tax Contribution was made _________

You may roll over a distribution from a traditional IRA to a plan qualified under Code section 401(a) or (b) annuity or governmental 457(b) plan to the extent that the distribution would be taxable if not rolled over. After-tax contributions in an IRA may not be rolled over to one of these plans. Amounts rolled into a Governmental 457(b) plan other than another governmental 457(b) plan are subject to a 10% early withdrawal tax.

Note: You may rollover a Roth account only into a plan that allows Roth contributions. Please check your Summary Plan Description before rolling over Roth accounts to make sure Roth contributions are available. You may not rollover Roth contributions into a Governmental 457(b) plan.

q Single q Male

q Married q Female

q Single q Male

q Married q Female

If you have been rehired,complete these dates:If you have been rehired,complete these dates:

Please mail this completed formwith your check to:

The Principal Financial Group P.O. Box 9394 Des Moines, IA 50306-9394

Checks must be made payable to:Principal Life Insurance CompanyFBO: Your NameContract Number/Plan ID 4-45121

Rollover Form

04.25.2012 085521 Rollover Form - Page 2 of 3

Contract/Plan ID Number 4-45121

2 My Customized Investment OptionsMake your investment election(s) by showing the percentage you want directed to each investment option. Thecolumn must add up to 100%. This investment direction applies only to your rollover contribution. If this section isnot completed, we will invest your rollover contribution based on your current investment election, if available, orthe plan’s default investment option.

g Short-Term Fixed IncomePrincipal Global Investors

Money Market Sep Acct A ................................................................................................................................. ________%

Guaranteed Interest Accounts/Investments(Choose up to 1)

Guaranteed Interest Account 5 year ................................................................................................................ ________%

g Fixed IncomeEdge Asset Management, Inc.

Government & High Quality Bond Sep Acct A .................................................................................................... ________%

Principal Global InvestorsBond and Mortgage Sep Acct A ........................................................................................................................ ________%

Principal Real Estate InvU.S. Property Sep Acct A .................................................................................................................................. ________%

Withdrawal requests from the U.S. Property Separate Account may be delayed. *

g Balanced/Asset AllocationMultiple Sub-Advisors

Principal LifeTime Strategic Income Separate Account A ..................................................................................... ________%

Principal LifeTime 2010 Separate Account A ...................................................................................................... ________%





g Large U.S. EquityAm Century/Montag & Caldwell

LargeCap Growth II Separate Account A ............................................................................................................ ________%

Principal Global InvestorsLargeCap S&P 500 Index Separate Account A .................................................................................................... ________%

TS&W / HerndonLargeCap Value I Separate Account A ................................................................................................................ ________%

g Small/Mid U.S. EquityAllianceBern / CCI / Brown

SmallCap Growth I Separate Account A ............................................................................................................. ________%

DFA/Vaughan Nelson/LA CapitalSmallCap Value II Separate Account A ............................................................................................................... ________%

Principal Global InvestorsMidCap Blend Separate Account A .................................................................................................................... ________%

SmallCap Blend Separate Account A .................................................................................................................. ________%

Principal Global/Barrow HanleyMidCap Value III Separate Account A ................................................................................................................ ________%

Turner / Jacobs LevyMidCap Growth III Separate Account A ............................................................................................................. ________%

g International EquityPrincipal Global Investors

Diversified International Separate Account A ..................................................................................................... ________%

Rollover Form - Page 3 of 3 04.25.2012 085521

Contract/Plan ID Number 4-45121 Rollover Form

TOTAL of all lines should equal .............................................................................................................................. 100 %Do not delete

3 My Signature (Please sign below after you have completed this form)

I may ROLLOVER only retirement funds that are allowed under the retirement plan. I have verified withmy benefits representative that these funds can be deposited according to plan provisions.

By signing below you declare this information is correct.

My Signature Date

X________________________________________________________________ _________ /_________ /_________

4 Plan Sponsor Signature (Please sign below after you have reviewed this form)

Based on the information above, this rollover contribution is acceptable according to the plan provisions. PrincipalLife Insurance Company is directed to accept this rollover contribution and keep the appropriate records and accounts.

Plan Sponsor or Trustee Name

_________________________________________________________________

Plan Sponsor or Trustee Signature Date

X________________________________________________________________ _________ /_________ /_________

5 Submit Rollover Form and CheckYou or your current plan sponsor can return your completed form:

q Check Enclosed q Financial Institution will forward

Mail to: Fax to:

Principal Life Insurance Company 1-866-704-3481 P.O. Box 9394 Des Moines, IA 50306-9394

A For more information about this investment option, including its full name, please visit The Principal Web site at www.principal.com or call 1-800-547-7754 forassistance from a retirement specialist.Insurance products and plan administrative services are provided by Principal Life Insurance Company.

* If you elect to contribute funds into the Principal U.S. Property Separate Account (Separate Account) you may not be able to immediately withdraw funds. Wemay implement a pre-existing contractual limitation in the group annuity contract, which will allow us to manage the Separate Account and satisfy withdrawalrequests over time and fairly among all those who request a withdrawal.

Please log in to principal.com for more details.This workbook content is current as of the production date noted below. If there are any discrepancies between this information and the legal plan document,the legal plan document will govern. If the production date is older than six months, you should contact your plan sponsor or log in to principal.com for currentretirement plan and investment option information. The member companies of the Principal Financial Group® prohibit the manipulation of this workbookcontent. If your plan sponsor elects to provide this workbook electronically, The Principal® is not responsible for any unauthorized changes.

SUNRISE COMMUNITY HEALTH 401(K) SAFE HARBOR P LANRetirement Plan and Investment Information

04/25/2012 Contract/Plan ID Number 4-45121

04.25.2012 085514 Plan Information - Page 1 of 2

This document uses these defined words and phrases:

Plan means SUNRISE COMMUNITY HEALTH 401(K) SAFE HARBOR P LAN.

Plan Fiduciary means the individual(s) holding authority over the operation and administration of the Plan and its retirementfunds. The Plan Sponsor is typically the Plan Fiduciary. Contact the Plan Administrator for further details.

Plan Sponsor means SUNRISE COMMUNITY HEALTH, INC..

You means the Plan participant or beneficiary. Plan Administrator is a Plan Fiduciary that has authority over operation and administration of the Plan. You should contact thePlan Administrator if you have any questions about the investment options under the Plan or if you would like paper copies ofadditional investment information that is available online at principal.com.

The Plan Administrator is:SUNRISE COMMUNITY HEALTH, INC.2930 11TH AVEEVANS, CO 80620-1011970-350-4612

Information about ERISA Section 404(c)

The Employee Retirement Income Security Act (ERISA) provides rules about the investment of retirement funds. The Plan Sponsorchose to qualify the Plan as an ERISA 404(c) plan and intends to comply with ERISA Section 404(c) requirements by providinginformation for you to make informed investment decisions and by letting you:

• Direct the investment of individual retirement accounts

• Choose from at least three diverse investment options

• Change investment choices at least quarterly

This means the Plan Fiduciary should not be liable for any investment losses that result from a participant’s investment control.

How does this affect you?The Plan Fiduciary makes certain investment options available under the Plan. You decide which of those options works best for you according to your age and circumstances. This means that you are responsible for directing the investment in the account the Plan holds for your benefit (your account).

Directing or Transferring Between Investment OptionsYou can direct or transfer retirement funds between the different investment options at least quarterly. The Plan may allow formore frequent changes and transfers. To transfer retirement funds, you can call the automated phone system of the PrincipalFinancial Group at 1-800-547-7754 or log in to your account at principal.com.

A description of the exercise of voting, tender and similar rights for an investment alternative and any restrictions on these rights islocated in the trustee powers section of the trust agreement. Contact the Plan Administrator to obtain the trust agreement, ifapplicable.

The Plan Administrator can provide the following additional information, upon request:

• Copies of prospectuses (or any short-form or summary prospectuses) for the investment options

• Copies of any financial statements or reports, such as statements of additional information and shareholder reports, and ofany other similar materials relating to the Plan’s designated investment options

• A statement of the value of a share or unit of each designated investment option and the date of the valuation

• A list of the assets comprising the portfolio of each investment option which constitute Plan assets and the value of eachasset (or the proportion of the investment which it comprises)

To help you make informed investment choices and for more information about the investment options available to you, includinginvestment objectives, performance and fees, please review the enclosed materials or visit principal.com.

04.25.2012 085518 Investment Option Summary - Page 1 of 14

Contract/Plan ID Number 4-45121 Investment Option Summary As of 03/31/2012

This document provides important information to help you compare the investment options available to you under the retirement plan.

Investment results shown represent historical performance and do not guarantee future results. Investment returns and principal values fluctuate withchanges in interest rates and other market conditions so the value, when redeemed, may be worth more or less than original costs. Current performancemay be lower or higher than the performance data shown. For additional information on the investment options, including most recent month-endperformance, log in to the Principal Financial Group® website at principal.com or call our automated phone system at 1-800-547-7754.

Additional information available online includes, if applicable, the name of the investment option’s issuer; the investment option’s objectives or goals; theinvestment option’s principal strategies, including a general description of the types of assets held by the investment option; the portfolio turnover rate;and the investment option’s performance data and fee and expense information.

A contractual limitation in the group annuity contract that provides access to the Separate Accounts may be implemented based on unstable or disorderlymarket conditions. This limitation may delay withdrawals from most Separate Accounts for up to 270 days.

In situations where the net and gross total investment expense figures are different, the mutual fund or the underlying fund in which a Separate Accountinvests has waived/capped a portion of its management fees through the date displayed in the waiver expiration date or contractual cap expiration datecolumn. Differences may also be shown due to the fund family choosing to pay certain expenses that would normally be payable by the fund. Returnsdisplayed are based on total investment expense net.

Fees and expenses are only one of several factors that participants and beneficiaries should consider when making investment decisions. Some or all ofthe Plan administrative expenses are paid from the total investment expense of one or more of the Plan’s investment options. The cumulative effect offees and expenses can substantially reduce the growth of a participant’s or beneficiary’s retirement account. Participants and beneficiaries can visit theEmployee Benefit Security Administration’s website for an example demonstrating the long-term effect of fees and expenses.

For a glossary of terms to assist you in understanding the designated investment options, log in to your account at principal.com.

Asset Class: Short-Term Fixed Income

This asset class is generally composed of short-term, fixed-income investment options that are largely liquid and are designed to not lose much value. Theseinvestment options may include stable value, money market, short-term bond, and guaranteed interest accounts. They are considered to be among the least riskyforms of investment options. However, they typically have a lower rate of return than equities or longer-term fixed income investment options over long periods oftime. Depending on the objectives of the investment options, they may experience price fluctuations and may lose value.

Investment Category: Money Market

Inv Manager or Sub-Advisor : Principal Global Investors

Investment Option Name Average Annual Total Return

Money Market Sep Acct A,5,38 (as of 03/31/2012 quarter end) (as of 12/31/2011 year end)

YTD Ret 1-Year 3-Year 5-Year 10-Year Since Incept 1-Year 5-Year 10-Year Since Incept Incept Date-0.03 -0.03 0.01 1.23 1.73 5.33 0.00 1.48 1.77 5.38 12/1980

Benchmark:Barclays Capital Treasury Bellwethers 3 Month Index 0.01 0.07 0.15 1.30 1.94 - 0.11 1.55 1.99 - -

Description: The investment seeks a high a level of current income consistent with preservation of principal and maintenance of liquidity. It invests in a portfolio of high quality,short-term money market instruments. The investments are U.S. dollar denominated securities which the sub-advisor believes present minimal credit risks. The sub-advisor maintainsa dollar weighted average portfolio maturity of 60 days or less.

Composition (% of Assets) as of 02/29/2012 Fees & Expenses # of Transfers Allowed/Time Period

U.S. Bonds 17.00 Other 83.00 Total Inv Exp Net 0.56 -

Contractual Cap Expiration Date N/A

Waiver Expiration Date N/A

Total Inv Exp Gross 0.56

Total Inv Exp Gross Per $1,000 Invested $5.60

Redemption Fee -

Investment Option Summary - Page 2 of 14 04.25.2012 085518

Investment Option Summary As of 03/31/2012 Contract/Plan ID Number 4-45121

Asset Class: Fixed Income

This asset class is generally composed of investment options that invest in bonds, or debt of a company or government entity (including U.S. and Non- U.S.). It mayalso include real estate investment options that directly own property. These investment options typically carry more risk than short-term fixed income investmentoptions (including, for real estate investment options, liquidity risk), but less overall risk than equities. All investment options in this category have the potential tolose value.

Investment Category: Intermediate-Term Bond



Bond and Mortgage Sep Acct A,19,20,39,F (as of 03/31/2012 quarter end) (as of 12/31/2011 year end)

YTD Ret 1-Year 3-Year 5-Year 10-Year Since Incept 1-Year 5-Year 10-Year Since Incept Incept Date1.82 6.93 14.00 5.51 5.58 8.29 6.84 5.46 5.39 8.30 2/1983

Benchmark:Barclays Capital Aggregate Bond Index 0.30 7.71 6.83 6.25 5.80 - 7.84 6.50 5.78 - -

Description: The investment option invests primarily in intermediate-term, fixed-income investments such as public and private corporate bonds, commercial and residentialmortgages, asset-backed securities, and US government and agency-backed securities. Value is added primarily through sector allocation and security selection. The SeparateAccount may enter into reverse repurchase agreements to attempt to enhance portfolio return and income.


Cash -5.52 Non-U.S. Bonds 14.73 Total Inv Exp Net 0.71 1/30 day period

Convertibles 0.01 Preferred 0.31 Contractual Cap Expiration Date N/A

U.S. Bonds 84.91 Other 5.55 Waiver Expiration Date N/A



Redemption Fee -

Investment Category: Intermediate Government

Inv Manager or Sub-Advisor : Edge Asset Management, Inc.


Government & High Quality Bond Sep AcctA,19,20,23,F (as of 03/31/2012 quarter end) (as of 12/31/2011 year end)


Benchmark:Barclays Capital US Agency Fixed Rate MBS Index 0.56 6.29 5.28 6.39 5.68 - 6.32 6.61 5.72 - -

Description: The investment seeks to achieve its investment objective by investing primarily in securities that are AAA rated or issued by the U.S. government, its agencies orinstrumentalities. The investment may invest in mortgage-backed securities representing an interest in a pool of mortgage loans. These securities are rated AAA by Standard & Poor’sCorporation or Aaa by Moody’s Investor Services, Inc. or, if unrated, determined by the sub-advisor to be of equivalent quality. Management seeks undervalued securities thatrepresent good long-term investment opportunities.


Cash 1.07 U.S. Bonds 98.93 Total Inv Exp Net 0.56 1/30 day period





Redemption Fee -



Asset Class: Fixed Income

This asset class is generally composed of investment options that invest in bonds, or debt of a company or government entity (including U.S. and Non- U.S.). It mayalso include real estate investment options that directly own property. These investment options typically carry more risk than short-term fixed income investmentoptions (including, for real estate investment options, liquidity risk), but less overall risk than equities. All investment options in this category have the potential tolose value.

Investment Category: Owned Real Estate

Inv Manager or Sub-Advisor : Principal Real Estate Inv


U.S. Property Sep Acct A,32,F (as of 03/31/2012 quarter end) (as of 12/31/2011 year end)

YTD Ret 1-Year 3-Year 5-Year 10-Year Since Incept 1-Year 5-Year 10-Year Since Incept Incept Date2.42 14.75 2.18 -2.25 4.61 6.02 15.34 -2.08 4.51 5.99 1/1982

Benchmark:NFI-ODCE Equal-Weight - - - - - - 15.00 -1.40 4.80 - -

Description: The investment invests the majority of assets in commercial real estate holdings. It focuses on properties that return both lease income and appreciation of thebuildings’ marketable value. The property holdings usually contain real estate from the multi-family, office, warehouse/manufacturing, and retail sectors. This investment option issubject to investment and liquidity risk and other risks inherent in real estate such as those associated with general and local economic conditions. You may not be able toimmediately withdraw funds contributed to this Separate Account. A contractual limitation in the group annuity contract that provides access to this Separate Account may beimplemented, which will allow management of this Separate Account, and satisfy withdrawal requests over time and fairly amongst all those who request a withdrawal.


Other 100.00 Total Inv Exp Net 1.15 1/30 day period





Redemption Fee -

Asset Class: Balanced/Asset Allocation

This asset class is generally composed of a combination of fixed income and equity investment options. These investment options may include balanced, assetallocation, target-date, and target-risk investment options. Although typically lower risk than investment options that invest solely in equities, all investment optionsin this category have the potential to lose value.

Investment Category: Retirement Income

Inv Manager or Sub-Advisor : Multiple Sub-Advisors

Investment Option Name Average Annual Total ReturnPrincipal LifeTime Strategic Income Separate AccountA,17,20,29,30,37,F

(as of 03/31/2012 quarter end) (as of 12/31/2011 year end)


Benchmark:Principal LifeTime Strategic Income Blended Index 2.95 7.31 10.95 5.29 5.66 - 5.97 5.00 5.41 - -

Benchmark:Morningstar Lifetime Moderate Income Index 5.15 6.15 12.66 5.50 6.89 - 4.00 4.86 6.54 - -

Description: The investment seeks current income, and as a secondary objective, capital appreciation. The fund invests in underlying Principal Funds, Inc. ("PFI") domestic andforeign equity, real estate investments, and fixed-income funds according to an asset allocation strategy designed for investors primarily seeking current income and secondarilycapital appreciation. Its asset allocation is designed for investors who are approximately 15 years beyond the normal retirement age of 65. The fund invests in PFI Institutional Classshares of underlying funds.


Cash -0.41 U.S. Stocks 16.34 Total Inv Exp Net 0.78 1/30 day period

Non-U.S. Stocks 6.04 Non-U.S. Bonds 11.64 Contractual Cap Expiration Date N/A

Convertibles 0.27 Preferred 2.34 Waiver Expiration Date N/A

U.S. Bonds 63.06 Other 0.73 Total Inv Exp Gross 0.78


Redemption Fee -





Investment Category: Target Date 2000-2010



Principal LifeTime 2010 Separate AccountA,17,20,29,30,37,F (as of 03/31/2012 quarter end) (as of 12/31/2011 year end)


Benchmark:Principal LifeTime 2010 Blended Index 5.15 6.57 15.63 3.60 5.12 - 4.50 2.88 4.66 - -

Benchmark:Morningstar Lifetime Moderate 2010 Index 6.52 6.53 15.81 5.26 7.34 - 3.53 4.37 6.87 - -

Description: The investment seeks a total return consisting of long-term growth of capital and current income. The fund operates as a "target date fund." It invests in underlyingPrincipal Funds, Inc. ("PFI") domestic and foreign equity, real estate investments, and fixed-income funds according to an asset allocation strategy designed for investors having aninvestment time horizon comparable to that of the fund. The fund invests in PFI Institutional Class shares of underlying funds. Within 10 to 15 years after its target year, the fund’sunderlying fund allocation is expected to match that of the Principal LifeTime Strategic Income Fund.







Redemption Fee -





YTD Ret 1-Year 3-Year 5-Year 10-Year Since Incept 1-Year 5-Year 10-Year Since Incept Incept Date9.64 3.67 20.07 1.52 5.40 5.35 -1.27 0.04 4.53 4.58 3/2001

Benchmark:Principal LifeTime 2020 Blended Index 8.47 5.08 17.59 2.64 5.01 - 0.63 1.31 4.24 - -

Benchmark:Morningstar Lifetime Moderate 2020 Index 8.30 5.51 19.09 4.29 7.44 - 1.70 3.10 6.84 - -








Redemption Fee -









YTD Ret 1-Year 3-Year 5-Year 10-Year Since Incept 1-Year 5-Year 10-Year Since Incept Incept Date10.82 3.14 21.05 1.25 5.27 5.21 -2.38 -0.45 4.29 4.34 3/2001

Benchmark:Principal LifeTime 2030 Blended Index 9.43 4.59 19.07 2.04 4.85 - -0.25 0.54 3.99 - -

Benchmark:Morningstar Lifetime Moderate 2030 Index 10.38 3.45 21.87 3.09 7.35 - -1.24 1.56 6.58 - -








Redemption Fee -






Benchmark:Principal LifeTime 2040 Blended Index 10.34 4.06 20.08 1.54 4.75 - -1.22 -0.11 3.80 - -




Cash 0.73 U.S. Stocks 55.35 Total Inv Exp Net 0.94 1/30 day period





Redemption Fee -





Investment Category: Target Date 2050+





Benchmark:Principal LifeTime 2050 Blended Index 11.02 3.47 20.63 1.25 4.72 - -2.14 -0.51 3.72 - -









Redemption Fee -

Asset Class: Large U.S. Equity

This asset class is generally composed of investment options that invest in stocks, or shares of ownership in large, well-established, U.S. companies. These investmentoptions typically carry more risk than fixed income investment options but have the potential for higher returns over longer time periods. They may be anappropriate choice for long-term investors who are seeking the potential for growth. All investment options in this category have the potential to lose value.

Investment Category: Large Value

Inv Manager or Sub-Advisor : TS&W / Herndon


LargeCap Value I Separate Account A,15,27,34,F (as of 03/31/2012 quarter end) (as of 12/31/2011 year end)

YTD Ret 1-Year 3-Year 5-Year 10-Year Since Incept 1-Year 5-Year 10-Year Since Incept Incept Date13.13 5.18 21.30 -1.88 - 3.70 -1.89 -4.06 - 2.15 6/2004

Benchmark:Russell 1000 Value Index 11.12 4.79 22.82 -0.81 4.58 - 0.39 -2.64 3.89 3.66 -

Description: The investment seeks long-term growth of capital. The fund normally invests at least 80% of its net assets in securities of companies with large market capitalizations(those with market capitalizations similar to companies in the Russell 1000(R) Value Index) at the time of purchase. It invests in value equity securities, an investment strategy thatemphasizes buying equity securities that appear to be undervalued.



Non-U.S. Stocks 8.13 Contractual Cap Expiration Date 02/28/2013

Waiver Expiration Date 02/28/2013



Redemption Fee -



Asset Class: Large U.S. Equity

This asset class is generally composed of investment options that invest in stocks, or shares of ownership in large, well-established, U.S. companies. These investmentoptions typically carry more risk than fixed income investment options but have the potential for higher returns over longer time periods. They may be anappropriate choice for long-term investors who are seeking the potential for growth. All investment options in this category have the potential to lose value.

Investment Category: Large Blend



LargeCap S&P 500 Index Separate AccountA,2,10,F (as of 03/31/2012 quarter end) (as of 12/31/2011 year end)

YTD Ret 1-Year 3-Year 5-Year 10-Year Since Incept 1-Year 5-Year 10-Year Since Incept Incept Date12.49 8.21 23.00 1.73 3.80 8.34 1.82 -0.53 2.60 7.86 1/1990

Benchmark:Standard & Poor’s 500 Index 12.59 8.54 23.42 2.01 4.12 - 2.11 -0.25 2.92 - -

Description: The investment option normally invests the majority of assets in common stocks of companies that compose the S&P 500 Index. Management attempts to mirror theinvestment performance of the index by allocating assets in approximately the same weightings as the S&P 500 Index. Over the long-term, management seeks a very closecorrelation between the performance of the Separate Account before expenses and that of the S&P 500 Index.



Non-U.S. Stocks 0.10 Other 1.08 Contractual Cap Expiration Date N/A




Redemption Fee -

Investment Category: Large Growth

Inv Manager or Sub-Advisor : Am Century/Montag & Caldwell


LargeCap Growth II Separate Account A,3,16,27,28,F (as of 03/31/2012 quarter end) (as of 12/31/2011 year end)


Benchmark:Russell 1000 Growth Index 14.69 11.02 25.28 5.10 4.28 - 2.64 2.50 2.60 - -

Description: The investment seeks long-term growth of capital. The fund invests at least 80% of its net assets in equity securities of companies with large market capitalizations(those with market capitalizations similar to companies in the Russell 1000(R) Growth Index) at the time of purchase. It invests in growth equity securities; growth orientationemphasizes buying equity securities of companies whose potential for growth of capital and earnings is expected to be above average.


Non-U.S. Stocks 6.71 U.S. Stocks 93.28 Total Inv Exp Net 1.03 1/30 day period

Cash 0.01 Contractual Cap Expiration Date 02/28/2013




Redemption Fee -



Asset Class: Small/Mid U.S. Equity

This asset class is generally composed of investment options that invest in stocks, or shares of ownership in small- to medium-sized U.S. companies. Theseinvestment options typically carry more risk than larger U.S. equity investment options but have the potential for higher returns. They may be an appropriate choicefor long-term investors who are seeking the potential for growth. All investment options in this category have the potential to lose value.

Investment Category: Mid Cap Value

Inv Manager or Sub-Advisor : Principal Global/Barrow Hanley


MidCap Value III Separate Account A,1,F (as of 03/31/2012 quarter end) (as of 12/31/2011 year end)


Benchmark:Russell Midcap Value Index 11.41 2.28 29.18 1.26 8.02 - -1.38 0.04 7.67 - -

Description: The investment seeks long-term growth of capital and normally invests the majority of assets in companies with market capitalizations similar to those of companies inthe Russell MidCap Value Index. Management selects investments primarily on the basis of fundamental security analysis, focusing on the company’s financial stability, sales,earnings, dividend trends, return on equity and industry trends. It may invest up to 25% of assets in foreign securities.


Other 2.28 Non-U.S. Stocks 2.69 Total Inv Exp Net 0.81 1/30 day period

U.S. Stocks 91.73 Cash 3.30 Contractual Cap Expiration Date N/A




Redemption Fee -

Investment Category: Mid Cap Blend



MidCap Blend Separate Account A,1,F (as of 03/31/2012 quarter end) (as of 12/31/2011 year end)


Benchmark:Russell Midcap Index 12.94 3.31 29.13 3.03 7.85 - -1.55 1.41 6.99 - -

Description: The investment option invests primarily in common stocks and other equity securities of medium capitalization companies. It normally invests the majority of assets incompanies with market capitalizations similar to those companies in the Russell MidCap Index. Management’s securities selection is based on stocks with value and/or growthcharacteristics, and management constructs an investment portfolio that has a blend of stocks with these characteristics. It may invest up to 25% of assets in foreign securities.



Cash 0.21 Contractual Cap Expiration Date N/A




Redemption Fee -

Investment Category: Mid Cap Growth

Inv Manager or Sub-Advisor : Turner / Jacobs Levy


MidCap Growth III Separate Account A,1,14,27,F (as of 03/31/2012 quarter end) (as of 12/31/2011 year end)

YTD Ret 1-Year 3-Year 5-Year 10-Year Since Incept 1-Year 5-Year 10-Year Since Incept Incept Date14.32 -0.33 28.27 4.45 5.93 4.09 -4.57 2.39 4.11 3.04 10/1999

Benchmark:Russell Midcap Growth Index 14.52 4.43 29.16 4.44 6.92 - -1.65 2.44 5.29 - -

Description: The investment seeks long-term growth of capital. The fund invests at least 80% of its net assets in equity securities of companies with medium market capitalizations(those with market capitalizations similar to companies in the Russell Midcap(R) Growth Index) at the time of purchase. It invests in growth equity securities; growth orientationemphasizes buying equity securities of companies whose potential for growth of capital and earnings is expected to be above average. The fund may actively trade portfoliosecurities.







Redemption Fee -



Asset Class: Small/Mid U.S. Equity

This asset class is generally composed of investment options that invest in stocks, or shares of ownership in small- to medium-sized U.S. companies. Theseinvestment options typically carry more risk than larger U.S. equity investment options but have the potential for higher returns. They may be an appropriate choicefor long-term investors who are seeking the potential for growth. All investment options in this category have the potential to lose value.

Investment Category: Small Value

Inv Manager or Sub-Advisor : DFA/Vaughan Nelson/LA Capital


SmallCap Value II Separate AccountA,1,15,22,24,27,F (as of 03/31/2012 quarter end) (as of 12/31/2011 year end)

YTD Ret 1-Year 3-Year 5-Year 10-Year Since Incept 1-Year 5-Year 10-Year Since Incept Incept Date11.88 -2.57 28.36 -0.28 - 5.52 -5.92 -2.00 - 4.15 6/2004

Benchmark:Russell 2000 Value Index 11.59 -1.07 25.36 0.01 6.59 - -5.50 -1.87 6.40 4.46 -

Description: The investment seeks long-term growth of capital. The fund normally invests at least 80% of its net assets in equity securities of U.S. companies with small marketcapitalizations (those with market capitalizations similar to companies in the Russell 2000(R) Value Index) or in securities with market capitalizations of $3.5 billion or less at the timeof purchase. It invests in value equity securities, an investment strategy that emphasizes buying equity securities that appear to be undervalued. The fund will also invest in realestate investment trusts.







Redemption Fee -

Investment Category: Small Blend



SmallCap Blend Separate Account A,1,F (as of 03/31/2012 quarter end) (as of 12/31/2011 year end)


Benchmark:Russell 2000 Index 12.44 -0.18 26.90 2.13 6.45 - -4.18 0.15 5.62 - -

Description: The investment seeks long-term growth of capital and primarily invests in common stocks of small capitalization companies. It normally invests the majority of assetsin companies with market capitalizations similar to those of companies in the Russell 2000 Index. Management looks at stocks with value and/or growth characteristics andconstructs an investment portfolio that has a blend of stocks with these characteristics. Management does not have a policy of preferring one of these styles to the other. TheSeparate Account may invest up to 25% of assets in foreign securities.



Non-U.S. Stocks 1.73 Other 1.54 Contractual Cap Expiration Date N/A




Redemption Fee -

Investment Category: Small Growth

Inv Manager or Sub-Advisor : AllianceBern / CCI / Brown


SmallCap Growth I Separate Account A,1,3,22,27,31,F (as of 03/31/2012 quarter end) (as of 12/31/2011 year end)


Benchmark:Russell 2000 Growth Index 13.28 0.68 28.36 4.15 6.00 - -2.91 2.09 4.48 - -

Description: The investment seeks long-term growth of capital. The fund normally invests at least 80% of its net assets in equity securities of companies with small marketcapitalizations (those with market capitalizations equal to or smaller than the greater of: 1) $4.0 billion or 2) the highest market capitalization of the companies in the Russell 2000(R)Growth Index) at the time of purchase. It invests in growth equity securities; growth orientation emphasizes buying equity securities of companies whose potential for growth ofcapital and earnings is expected to be above average.



Non-U.S. Stocks 9.85 Contractual Cap Expiration Date 02/28/2013




Redemption Fee -



Asset Class: International Equity

This asset class is composed of investment options that invest in stocks, or shares of ownership in companies with their principal place of business or office outsidethe 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 anappropriate choice for long-term investors who are seeking the potential for growth. All investment options in this category have the potential to lose value.

Investment Category: Foreign Large Blend



Diversified International Separate Account A,4,F (as of 03/31/2012 quarter end) (as of 12/31/2011 year end)

YTD Ret 1-Year 3-Year 5-Year 10-Year Since Incept 1-Year 5-Year 10-Year Since Incept Incept Date11.01 -3.78 18.67 -2.64 7.07 7.31 -11.11 -3.99 5.88 6.93 5/1987

Benchmark:MSCI - EAFE Index NDTR D 10.86 -5.77 17.13 -3.51 5.70 - -12.14 -4.72 4.67 - -

Description: The investment option normally invests the majority of assets in companies in at least three different countries. It invests in securities of companies with their principalplace of business or principal office outside of the United States; companies for which the principal securities trade on a foreign exchange; and companies, regardless of where theirsecurities are traded, that derive 50% or more of their total revenue from goods or services produced or sold outside of the United States. The Separate Account may invest insecurities of companies with small to medium market capitalizations.



Non-U.S. Stocks 97.97 Preferred 0.12 Contractual Cap Expiration Date N/A

Other 0.05 Waiver Expiration Date N/A



Redemption Fee -

Asset Class: Short-Term Fixed Income

Investment Option Name: Guaranteed Interest Account 5 year

Description:This investment option provides a guaranteed interest rate for 5 years. Guarantees are supported by the General Account of Principal Life Insurance Company (Principal Life), butyou do not participate in the investment experience or performance of the General Account. Contributions and transfers allocated to this option will be credited interest at aguaranteed rate that Principal Life declares for a set period of time (the Guarantee Period). Guaranteed interest rates for new allocations are subject to change daily, and eachamount allocated to the guaranteed interest account will earn interest based on this guaranteed interest rate in effect for the date that the amount is allocated to this guaranteedinterest account. Your actual interest credited after the first deposit year is a composite of the guaranteed rates based on the actual dates of deposit, withdrawals and transfers. Asurrender charge may apply to transfers or withdrawals from an unmatured guaranteed interest account. The reference rate used to determine if a charge applies is equal to theapplicable U.S. Treasury rate plus 0.50%. A charge applies when the reference rate is higher than the rate being credited to the unmatured funds being transferred or withdrawn.The amount of the surrender charge is calculated as follows: 1) the applicable U.S. Treasury Rate plus 0.50% minus the rate being credited, multiplied by 2) the number of years andfractional parts of a year left in the guarantee period, multiplied by 3) the amount being surrendered. A surrender charge may not apply to withdrawals due to retirement,termination of employment, disability or death. For more information, call the automated phone system at 1-800-547-7754 or see the applicable fact sheet on principal.com for amore complete description of this investment option and the crediting rate. Crediting Rates shown are the rates that would have been received if $1.00 was allocated on the dateshown.

Crediting Rate Crediting Period Term

5-Year Full Rate: 0.95 Guarantee Period: 03/31/2012 5 years



Investors should carefully consider a mutual fund’s investment objectives, risks, charges, andexpenses prior to investing. A prospectus, or summary prospectus if available, containing this andother information can be obtained by contacting a financial professional, visiting principal.com, orcalling 1-800-547-7754. Read the prospectus carefully before investing.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 additionalinformation, contact us at 1-800-547-7754.

The value of the investment options will fluctuate so that when redeemed, shares or units may beworth more or less than the original cost.An investment’s past performance is not necessarily an indication of how the investment will perform in the future.

Since inception benchmark returns are displayed on the Investment Option Summary for investments that are less than 10 years old. The benchmarkreflecting the Since Inception return is the Morningstar Category index. For some Sub-Advised investment options, two benchmarks will be displayedon the Investment Option Summary and the secondary index reflecting the Since Inception Return is the Morningstar Category index.



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

Principal Life is an investment manager as defined in ERISA with regard to its Separate Accounts.

These results are for the investment options available through your Plan Sponsor’s retirement plan, and may be different from the results for otherretirement plans. Past performance is not a guarantee of future results. Principal values and investment returns will fluctuate so that values uponredemption may be worth more or less than original costs. Total returns illustrated are net of investment expenses and management fees.

Returns shown for periods of less than one year are not annualized. All returns displayed here are after net Total Investment Expense of the investmentoption.

For a Separate Account investment option, Total Investment Expense net equals the sum of these expenses: (a) the amount of money, expressed as apercentage, deducted for the costs of managing a separate account where applicable, fees for plan administrative services and agent compensation,plus (b) if the separate account invests in an underlying mutual fund, the total fund operating expenses of the underlying mutual fund, plus (c) if anunderlying mutual fund invests in other mutual funds, the weighted-average management fee of those other mutual funds, as listed in the most recentprospectus. The actual gross Total Investment Expense may change if an underlying mutual fund’s allocation of assets to other mutual funds changes.

Several investment companies have decided to impose redemption fees and/or transfer restrictions on certain plan and/or participant transactions. Oneor more of the investment options in your employer’s retirement plan may be impacted. For more information, visit The Principal Web site atprincipal.com.

Insurance products and plan administrative services are provided by Principal Life Insurance Company, a member of the Principal Financial Group® (ThePrincipal®), Des Moines, IA 50392.

Since inception returns are only shown for funds/accounts in existence for less than 10 years.

1 Small-cap and mid-cap investment options are subject to more fluctuation in value and may have additional risks than other investment options withstocks 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 forthe market segment the selected stocks or bonds represent. There is no assurance an index based investment option will match the performance of theindex 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 themutual fund are the rights of the Separate Account, not of contract holders investing in the Separate Account. For further information on theunderlying 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 This investment option is not guaranteed by the Federal Deposit Insurance Corporation (FDIC), or any other government agency. Although thisinvestment option seeks to preserve the value of an investment, it is possible to lose money by investing in this portfolio.

6 The Separate Account invests in a mutual fund only. Performance results and investment expenses shown prior to December 31, 1999, are of themutual fund only because the Separate Account was not available. Any present or past investment expenses charged by The Principal® would havereduced the illustrated performance results. All voting rights associated with ownership of shares in the mutual fund are the rights of the SeparateAccount, not of contract holders investing in the Separate Account. For further information on the underlying mutual fund, see the prospectus of thefund.

7 This Separate Account invests in class Adv shares of the underlying mutual fund. Performance prior to the inception date of December 31, 1999, forclass Adv shares is that of class Inv shares. The expense ratio of the class Inv share was .25% less than that of the class Adv share.

8 The Separate Account invests in a mutual fund only. Performance results and investment expenses shown prior to July 1, 1999, are of the mutual fundonly because the Separate Account was not available. Any present or past investment expenses charged by The Principal® would have reduced theillustrated performance results. All voting rights associated with ownership of shares in the mutual fund are the rights of the Separate Account, not ofcontract holders investing in the Separate Account. For further information on the underlying mutual fund expenses, see the prospectus of the fund.

9 This Separate Account invests in class Adv shares of the underlying mutual fund. Performance prior to the inception date of December 15, 1997, forclass Adv shares is that of class Inv shares. The expense ratio of the class Inv share was .25% less than that of the class Adv.

10 S&P 500 is a trademark of The McGraw-Hill Companies, Inc., and has been licensed for use by Principal Life Insurance Company and PrincipalManagement Corporation. The product is not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes norepresentation regarding the advisability of investing in the product.



11 Effective December 17, 2001, this Separate Account invests in class K shares of the underlying mutual fund. Prior to December 17, 2001, this SeparateAccount invested in the Investors share class of the underlying fund. Beginning December 17, 2001, the expense ratio of K shares of the underlyingfund will be reflected in the performance of the Separate Account.

12 Effective November 13, 2006, this portfolio is sub-advised by Goldman Sachs Asset Management. From November 18, 2002, to November 16, 2006, theportfolio was sub-advised by Goldman Sachs Asset Management and Wellington Management Company, LLP. The portfolio has had varioussub-advisors since its inception. Performance results displayed reflect all sub-advisors managing this portfolio during the time periods displayed.

13 Effective October 15, 2004, the name of the underlying mutual fund in which this Separate Account invests changed from INVESCO Small CompanyGrowth Fund to AIM Small Company Growth Fund. However, the name of the Separate Account will not change.

14 This Separate Account invests solely in the Institutional class shares of the Principal Funds. All voting rights associated with ownership of shares in themutual fund are the rights of the Separate Account, not of contract holder investing in the Separate Account. For further information on the underlyingmutual fund see the prospectus of the fund.

15 This Separate Account invests solely in the Institutional class shares of the Principal Funds. All voting rights associated with ownership of shares in themutual fund are the rights of the Separate Account, not of contract holders investing in the Separate Account. For further information on theunderlying mutual fund, see the prospectus of the fund.

16 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.

17 Equity investment options involve greater risk, including heightened volatility, than fixed-income investment options. Fixed-income investment optionsare subject to interest rate risk, and their value will decline as interest rates rise.

18 Asset allocation does not guarantee a profit or protect against a loss. Investing in real estate, small-cap, international, and high-yield investment optionsinvolves additional risks.

19 Fixed-income investment options are subject to interest rate risk, and their value will decline as interest rates rise. Neither the principal of bondinvestment options nor their yields are guaranteed by the U.S. government.

20 Fixed-income and asset allocation investment options that invest in mortgage securities are subject to increased risk due to real estate exposure.

21 Effective January 21, 2009, this portfolio is sub-advised by Columbus Circle Investors. Prior to January 21, 2009, the portfolio was sub-advised byMazama Capital Management and Columbus Circle Investors. The portfolio has had various sub-advisors since its inception. Performance resultsdisplayed reflect all sub-advisors managing this portfolio during the time periods displayed.

22 This investment option maintains a voluntary waiver which is reflected in the value displayed for Total Investment Expense - Net. This waiver may bediscontinued at any time.

23 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 GlobalInvestors.

24 Effective May 1, 2009, LA Capital was added as an additional sub-advisor. Performance results displayed reflect all sub-advisors managing this portfolioduring the time periods displayed.

25 Effective May 1, 2009, the Principal LargeCap Value II investment option merged into the Principal LargeCap Value I investment option.

26 Effective May 1, 2009, the Principal SmallCap Growth III investment option merged into the Principal SmallCap Growth I investment option.

27 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 theperformance of the Fund’s benchmark index for performance.

28 Effective July 14, 2009, Montag & Caldwell was added as an additional sub-advisor. Performance results displayed reflect all sub-advisors managing thisportfolio during the time periods displayed.

29 Asset allocation does not guarantee a profit or protect against a loss. Investing in real estate, small-cap, international, and high-yield investment optionsinvolves additional risks. Additionally there is no guarantee this investment option will provide adequate income at or through retirement.

30 The Investment Advisor will display "Multiple Sub-Advisors" for certain target-date, target-risk and specialty investment options where the assets aredirected by the Investment Manager to multiple underlying investment options. These underlying investment options may use multiple sub-advisorswho are responsible for the day-to-day management responsibilities.

31 Effective September 20, 2010, Brown Advisory was added as an additional sub-advisor. Effective May 1, 2009, Columbus Circle Investors was added asan additional sub-advisor. Performance results displayed reflect all sub-advisors managing this portfolio during the time periods displayed.

32 This investment option is subject to investment and liquidity risk and other risks inherent in real estate such as those associated with general and localeconomic conditions. If you elect to contribute funds into the U.S. Property Separate Account, you may not be able to immediately withdraw them.

33 Effective March 18, 2011, the LargeCap Blend I Separate Account will Merge into the LargeCap S&P 500 Index Separate Account.

34 Effective June 27, 2011, this portfolio is sub-advised by TS&W and Herndon. Prior to June 27, 2011, the portfolio was sub-advised by UBS Global AssetManagement and TS&W. The portfolio has had various sub-advisors since its inception. Performance results displayed reflect all sub-advisors managingthis portfolio during the time periods displayed.



35 Effective February 17, 2012, the Stock Emphasis Balanced Separate Account will close.

36 Effective February 17, 2012, the Bond Emphasis Balanced Separate Account will close.

37 This Separate Account invests directly in the Institutional class shares of a Principal LifeTime Fund. The mutual fund operating expenses for eachPrincipal LifeTime Fund are reflected in the Total Investment Expense of the Separate Accounts well as the operating expenses of the underlying fundsin which the Principal LifeTime Fund invests. Based on the asset allocation of the Principal LifeTime Funds as in the prospectus dated February 29, 2012,the weighted average operating expenses of the underlying funds are: Principal LifeTime Strategic Income, 0.58%; Principal LifeTime 2010, 0.65%;Principal LifeTime 2015, 0.67%; Principal LifeTime 2020, 0.70%; Principal LifeTime 2025, 0.71%; Principal LifeTime 2030, 0.72%; Principal LifeTime2035, 0.73%; Principal LifeTime 2040, 0.74%; Principal LifeTime 2045, 0.75%; Principal LifeTime 2050, 0.75%; Principal LifeTime 2055, 0.75%. Forfurther information on all mutual fund expenses, see the prospectus of the underlying Principal LifeTime Fund. All voting rights associated withownership of shares in the mutual fund are the rights of the Separate Account, not of contract holders investing in the Separate Account.

38 The net return experienced may be negative if the costs to maintain and operate the Money Market Separate Account exceed returns. Participants mayalso see negative returns if plan expenses, if applicable, are netted or deducted from their accounts.

39 Derivatives may increase volatility, cause the liquidation of portfolios positions when not advantageous to do so and produce disproportionate losses.

F Investment option limits transfer activity. Once the number of allowed transfers is met, participants are not allowed to transfer back into an investmentoption which they have transferred out of until the holding period elapses. All participant investment transfers and non-scheduled rebalancing activityare counted toward the number of transfers allowed. Contributions into the investment option are not impacted. Participants may still transfer out todifferent investment options or to money market or Guaranteed options.

-- Frequent trading policies applied to Mutual Fund Network investment options may not exactly match the mutual fund’s Prospectus. Principal Lifeworks with each fund family to implement appropriate policies and guidelines. Mutual Fund Network fund families may also monitor for excessivetrading and enforce limitations in addition to or in lieu of policy implemented by Principal Life Insurance Company. Please refer to the prospectus fordetails. See the offering documents for details on transfer limitations for investment options that are not classified as mutual funds.

Benchmark Descriptions

Russell 2000 Value Index is a market-weighted total return index that measures the performance of companies within the Russell 2000 Index havinglower price-to-book ratios and lower forecasted growth values.

Russell Midcap Growth Index is a market-weighted total return index that measures the performance of companies within the Russell Midcap Indexhaving higher price-to-book ratios and higher forecasted growth values.

Russell Midcap Index includes firms 201 through 1000, based on market capitalization, from the Russell 3000 Index.

Russell 2000 Index consists of the smallest 2000 companies in the Russell 3000 Index, representing approximately 10% of the Russell 3000 total marketcapitalization.

NFI-ODCE Equal-Weight is the NCREIF Fund Index - Open End Diversified Core Equity. It is a fund-level equal-weighted, time-weighted return index andincludes property investments at ownership share, cash balances and leverage. The return series is net of the average fee charged by accounts thatmake up the index.

Russell Midcap Value Index is a market-weighted total return index that measures the performance of companies within the Russell Midcap indexhaving lower price-to-book ratios and lower forecasted growth values.

Standard & Poor’s 500 Index is a market capitalization-weighted index of 500 widely held stocks often used as a proxy for the stock market.

Barclays Capital US Agency Fixed Rate MBS Index covers the fixed-rate mortgage-backed pass-through securities issued by Ginnie Mae (GNMA), FannieMae (FNMA), and Freddie Mae (FHLMC).

Barclays Capital Aggregate Bond Index represents securities that are domestic, taxable, and dollar denominated. The index covers the U. S. investmentgrade fixed rate bond market, with index components for government and corporate securities, mortgage pass-through securities, and asset-backedsecurities. These major sectors are subdivided into more specific indices that are calculated and reported on a regular basis.

Morningstar Lifetime Moderate Income Index represents a portfolio of global equities, bonds and traditional inflation hedges such as commodities andTIPS. This portfolio is held in proportions appropriate for a U.S. investor who is at least ten years into retirement.

Principal LifeTime 2010 Blended Index is composed of underlying indexes that represent the target asset allocation weights of the Principal LifeTime2010 portfolio. The index weightings adjust over time as the portfolio changes to become gradually more conservative. The weightings as of March 31,2012 are 32.40% Russell 3000 Index, 11.60% MSCI EAFE Index, and 56.00% Barclays Capital Aggregate Index.

Morningstar Lifetime Moderate 2010 Index represents a portfolio of global equities, bonds and traditional inflation hedges such as commodities andTIPS. This portfolio is held in proportions appropriate for a U.S. investor who is near retirement.





Barclays Capital Treasury Bellwethers 3 Month Index is composed of public obligations of the U. S. Treasury with a maturity of three months.

MSCI - EAFE Index NDTR D is listed for foreign stock funds (EAFE refers to Europe, Australia, and Far East). Widely accepted as a benchmark forinternational stock performance, the EAFE Index is an aggregate of 21 individual country indexes.

Morningstar Lifetime Moderate 2020 Index represents a portfolio of global equities, bonds and traditional inflation hedges such as commodities andTIPS. This portfolio is held in proportions appropriate for a U.S. investor who is about ten years away from retirement.


Morningstar Lifetime Moderate 2030 Index represents a portfolio of global equities, bonds and traditional inflation hedges such as commodities andTIPS. This portfolio is held in proportions appropriate for a U.S. investor who is about 20 years away from retirement.


Russell 1000 Growth Index is a market-capitalization weighted index of those firms in the Russell 1000 with higher price-to-book ratios and higherforecasted growth values.


Russell 1000 Value Index is a market-capitalization weighted index of those firms in the Russell 1000 with lower price-to-book ratios and lowerforecasted growth values.


Russell 2000 Growth Index is a market-weighted total return index that measures the performance of companies within the Russell 2000 Index havinghigher price-to-book ratio and higher forecasted growth values.


Plan SummaryContract/Plan ID Number 4-45121

04.25.2012 085521 Plan Summary - Page 1 of 5


Am I eligible for SUNRISE COMMUNITY HEALTH 401(K) SAFE HARBOR PLAN?

You are eligible to join the plan if you:

• are at least age 21

• have completed 1.00 year(s) with the company in which you worked at least 1000.00 hours

You enter the plan on the semi-annual date on or after you meet the eligibility requirements.

Where do my contributions come from?

Contributions in general are from total pay from SUNRISE COMMUNITY HEALTH, INC. including salary deferral contributions.

Your benefits representative can provide more detailed information.

Are there limits to my contributions?

You may choose to contribute up to 100% of your total pay.

Your taxable income is reduced by the amount you contribute through salary deferral. This lets you reduce your taxable income. Your total salary deferral in 2012 may not be more than $17,000.00.

Your maximum contribution percentage and/or dollar amount may also be limited by Internal Revenue Service regulations.

If you are 50 years old or older during the plan year and you have met the annual IRS Deferral limit (or the specified plan limit for deferrals), you may contribute a catch-up deferral of up to $5,500 in 2012. If you qualify and are interested in making Catch-up contributions, please contact your Plan Administrator for details.

Can I make Roth salary deferral after-tax contributions?

Roth salary deferral contributions are another option to designate your salary deferral contributions.

Roth salary deferral contributions are made on an after-tax basis. You may designate any amount of the available salary deferral limit for a plan calendar year as Roth salary deferral contributions.

Roth salary deferral contributions plus your pre-tax salary deferral contributions are counted toward the annual salary deferral contribution amount and salary deferral contribution percentage mentioned above.

Distributions from your Roth salary deferral contribution account will generally be tax-free if the distribution meets the qualified distribution requirements, death or disability and you have maintained the Roth salary deferral account for at least 5 taxable years.


Plan Summary Contract/Plan ID Number 4-45121

.

Am I allowed to make voluntary non-deductible contributions?

You can increase retirement contributions with voluntary (after-tax) contributions. The investment earnings are not taxable until you actually withdraw the account. Please refer to your Summary Plan Description for more details.

Can I change my contributions to the retirement plan?

You may stop making salary deferral contributions at any time. You may change your salary deferral amount daily. Changes will be implemented as soon as administratively feasible.

Employer Contributions

Your employer will match 100% of the first 4% of the pay you contribute to the plan through salary deferral.

When a matching contribution is made to the plan, it will be calculated based on salary deferrals and pay as of the end of the pay period.

Your employer may make a discretionary contribution at the end of the plan year if you meet the requirements below.

You will receive contributions if you are an active participant at any time during the plan year.

Employer contributions may change in the future.

I have a retirement account with a previous employer, can I combine the two?

You may be allowed to rollover into this plan all or a portion of the retirement funds you have outside this plan. You may then withdraw all or a portion of your rollover contributions. The number of withdrawals may be limited. Refer to your Summary Plan Description for more details.

To receive additional information, contact your Plan Administrator, visit us at principal.com or call 1-800-547-7754.

When am I vested in the retirement plan funds?

You are always 100% vested in the contributions YOU choose to defer and in the matching and discretionary contributions.

Investment Options

You are able to direct the investment of the retirement account balance by choosing among several investment options.

In order for you to make informed investment decisions, it is important that you read the investment material (including prospectuses if applicable) available from your plan sponsor.

You may also obtain this information by calling our Client Contact Center at 1-800-547-7754.


Contract/Plan ID Number 4-45121 Plan Summary

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You may elect the investment direction of all contributions to the retirement plan. Please see the Summary Plan Description for details.

For detailed information about your investment options, please visit us at principal.com or contact us at 1-800-547-7754.

How often can I make changes to the investment options in the retirement plan?

• anytime

Note that when transferring existing balances from one investment option to another, redemption fees or restrictions on transfer frequency may apply. Refer to the redemption fee and transfer restriction policy on The Principal Website or contact your Plan Administrator.

Changes can be made through Teletouch® (a toll-free number) and the Web site.

A charge will apply to all paper requests.

How can I access my account information?

You may obtain account information through:

• Participant Statement (annually)

• Call your interactive voice response system, Teletouch®.

• Visit our Website at principal.com to access the account.

How are the fees for the retirement plan paid?

SUNRISE COMMUNITY HEALTH, INC. pays the plan administrative expenses.

When can I begin receiving benefits from the retirement plan?

Benefits are payable at:

• Retirement (age 65)

• Early retirement (age 55)*

• Age 59 1/2 and still working

• Death

• Disability*

• Termination of employment

Please refer to the participant notice or Summary Plan Description provided to you by your plan sponsor about withdrawal benefits

*You may need to cease employment to receive this benefit.


Plan Summary Contract/Plan ID Number 4-45121

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Financial Hardship

You may withdraw all or part of your vested account if you can prove financial hardship and are unable to meet your financial needs another way. If allowed to withdraw salary deferral contributions, withdrawal will not include post 1989 earnings.

The plan defines hardship as an "immediate and severe financial need" along with establishing the allowable reasons to receive such a withdrawal. Please see your Summary Plan Description for more details regarding hardship withdrawals.

Voluntary contributions may not be withdrawn for hardship reasons.

Salary deferral contributions will generally be suspended for six months after your withdrawal.

If I need to take a loan from the plan, what are the guidelines?

You may borrow up to 50% of the vested account balance or $50,000.00 (whichever is less).

The minimum loan amount is $1,000.00.

1 loan(s) can be approved in a 12-month period. You may have 1 loan(s) outstanding at any time.

The interest rate will be determined when you apply for your loan. You pay back both the principal and interest directly to the account held for you in the plan through payroll deduction.

Loans must be repaid within a 5-year period. See your loan administrator for additional details.

Refer to the Summary Plan Description for more details on contributions available for a plan loan.

Other Information

Your salary deferral contributions are included in the wages used to determine your social security tax.

This plan summary includes a brief description of your plan sponsor’s retirement plan features. While this plan summary outlines many of the major provisions of your participating plan sponsor’s retirement plan, this summary does not provide you with every plan detail. The legal plan document, which governs this plan, provides full details. If there are any discrepancies between this plan summary and the legal plan document, the legal plan document will govern.

From time to time, your plan sponsor may elect to amend the retirement plan provisions. This plan summary may be updated to reflect proposed amendments to the plan document provisions. Until a plan amendment is adopted, however, the legal plan document will govern. Contact your plan sponsor if you would like more details regarding applicable retirement plan provisions. This document is not a Summary Plan Description.

Most withdrawals/distributions are subject to taxation and required withholding. Check with your financial/tax advisor on how this may affect you.


Contract/Plan ID Number 4-45121 Plan Summary

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The Principal® is required by the IRS to withhold 20% of the portion of a distribution that is eligible for rollover if it is not directly rolled over to another eligible retirement plan, including an IRA, or used to purchase an annuity to be paid over a minimum period of the lesser of 10 years or the participant’s life expectancy. This withholding will offset a portion of federal income taxes you owe on the distribution.

The retirement account may be affected differently by individual state taxation rules. Contact your tax advisor with questions.

Client Contact Center retirement specialists at The Principal® are available to answer questions about the retirement plan. Please call 1-800-547-7754 Monday through Friday, 7 am - 9 pm (Central Time), to speak to a retirement specialist.

To find out more information about The Principal®, visit our website at principal.com

Insurance products and plan administrative services are provided by Principal Life Insurance Company, a member of the Principal Financial Group® (The Principal®), Des Moines, IA 50392

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