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1 THE PRINCIPAL FINANCIAL GROUP (PFG) FORTUNE 500 Company. Listed on the NYSE (ticker: PFG). Constituent stock of Standard & Poor s (S&P) 500 Index Global Retirement Leadership Asset Allocation Expertise 137 years* of history Since 1879 over 70 years* Pension Experience 14,800 employees worldwide**, recognized with Workplace Excellence million r clients and over 11.5 million* pension plan members in more than 70 countries *. AUM: US$572.7 billion $519.3 $527.4 $483.2 $403.0 $318.8 $ $ Global and Retirement Simply Driven

2 Global Business Operation in 18 countries* throughout Asia, Australia, Europe, Latin America and North America. U.S. UK Netherlands China PRINCIPAL FINANCIAL GROUP Headquarters Des Moines, Iowa Mexico Ireland Germany Malta China Joint Venture with (China Construction Bank) Hong Kong Hong Kong Chile Latin America UAE Brazil India India (Joint Venture with Punjab National Bank) Malaysia Singapore Japan Thailand Australia Advisory Service Annuities Asset Islamic Institutional Asset Brazil (Joint Venture with Banco de Brazil) Mutual Funds Pensions Pensions Mandatory Pensions Voluntary Indonesia South East Asia Region (Joint Venture with CIMB)

3 PRINCIPAL GLOBAL INVESTORS (PGI) Asset management arm of PFG US$ billion assets in aggregate * 15 th largest advisorsold fund family in U.S. Mutual Funds 2 66% of our rated US mutual funds have a 4 or 5 star Morningstar rankings * 553 Professionals & over 1,750 employees * Signatory for United Nations-Backed Principles for Responsible (PRI) and overall A+ score in 2015 PRI Report^ MULTI-BOUTIQUE STRATEGY Network of more than 13 specialized investment boutiques, a single point of access to world-class investment boutiques and expertise in: Global Equities Global Fixed Income Preferred Securities Asset allocation Real Estate Institutional Equities High Yield Bonds & Leveraged Loans Shariah compliant Stable Value & Fixed Income Global Equities Emerging Market Fixed Income Equities, Fixed Income, Asset Allocation Strategies Currency & Macro Fund

4 BUSINESS IN HONG KONG Principal is a provider of investment and retirement solutions in Hong Kong. We combine our capabilities in Global, Retirement Leadership and Asset Allocation Expertise to provide retirement and asset management to businesses, individuals and institutional clients. We offer award-winning mutual funds and investment products through our family of companies, all of which are member companies of the Principal Financial Group. PENSION 20 years of establishment 2016 MPF Scheme of the Year at The MPF Awards B HKD in asset size 3 Top 5 MPF Provider in HK + covering 29,000 Employers 3 covering 587,000 Employees/ Members 3 MUTUAL FUNDS Experience 20 Years of Establishment Expertise Diversified Product Range offered by Multi-boutique Performance Power To Exceed Under Any Conditions Competitive Performance HOUSE AWARDS - FIXED INCOME US Fixed Income Contact Information: Hotline/Contact No. Fax Principal MPF Scheme Series 800, Principal MPF Scheme Series 600, Principal Trust Company (Asia) Limited Retirement Scheme MPF/ORSO Schemes Mutual Funds Products General: Dealing: Principal MPF Smart Plan, Principal MPF Simple Plan, Principal Central Provident Fund MPF Schemes (For Members) (For Employers) ORSO Schemes

5 Footnotes: * As of 30 June ** As of 30 September Δ As of 31 March ^ PRI Pilot Assessment Report, September Source: Gadbury Group Limited, as of 30 June Principal is recognized as Workplace Excellence in below areas: One of 100 companies to be named one of the World s Most Ethical Companies by the Ethisphere Institute in 2015, which recognizes organizations that have had a material impact on the way business is conducted by fostering a culture of ethics and transparency at every level of the company. This is the fifth year The Principal has been recognized by Ethisphere. March Recognized by Forbes as one of America s Best Employers ranking 63rd out of 500 companies, and four among banking and financial services companies. March Strategic Insight Mutual Fund Companies Rankings and Analysis, June As of 30 June 2016, after the completion of Principal s acquisition of AXA s pension business on 1 September The AUM includes both MPF and ORSO businesses. 4 The 2016 MPF Awards is based on performance, fees and administration assessments as of 31 December For details of the source and assessment criteria, please refer to Disclaimer involves risks. Past performance of any particular fund or product mentioned in this document is not indicative of future performance of the relevant fund or product, and the value of the each fund or product mentioned in this document may go down as well as up. You should not invest solely in reliance on this document. There is no assurance on investment returns and you may not get back the amount originally invested. You should consider your own risk tolerance level and financial circumstances before making any investment choices. If you are in doubt as to whether a certain fund or product mentioned in this document is suitable for you (including whether it is consistent with your investment objectives), you should seek legal, financial, tax, accounting and other professional advice to ensure that any decision made is suitable with regards to that your circumstances and financial position, and choose the fund(s)/product(s) suitable for you accordingly. The information contained in this document has been derived from sources believed to be accurate and reliable as of the date of publishing of this document, and may no longer be true, accurate or complete when viewed by you. The content is for informational purpose only and does not constitute an offer, a solicitation of an offer or invitation, advertisement, inducement, representation of any kind or form whatsoever or any advice or recommendation to enter into any transactions in respect of the funds/products referred to in this document. This document is not intended to be relied upon as a forecast, research, or investment advice regarding a particular investment or the markets in general, nor is it intended to predict or guarantee the performance of any investment. The information does not take account of any investor s investment objectives, particular needs or financial situation. You should not consider the information as a comprehensive statement to be relied upon. All expressions of opinion and predictions in this document are subject to change without notice. All figures shown in this document are in U.S. dollars unless otherwise noted. Subject to any contrary provisions of applicable law, neither the companies, nor any of their affiliates, nor any of the employees or directors of the companies and their affiliates, warrants or guarantees the accuracy of the information contained in this document, nor accepts any responsibility arising out of or in connection with any errors or omissions of the contents set out in this document. This document is the property of Principal & Retirement Services Limited that no part of this document may be modified, reproduced, transmitted, stored or distributed to any other person or incorporation in any format for any purposes without Principal & Retirement Services Limited s prior written consent. Principal Global Investors is the asset management arm of the Principal Financial Group (The Principal )¹ and includes the asset management operations of the following subsidiaries of The Principal: Principal Global Investors, LLC; Principal Real Estate Investors, LLC; Principal Enterprise Capital, LLC; Spectrum Asset, Inc.; Post Advisory Group, LLC; Columbus Circle Investors; Edge Asset, Inc.; Morley Financial Services Inc.; Finisterre Capital, LLP; Origin Asset, LLP; Principal Global Investors (Europe) Limited; Principal Global Investors (Singapore) Ltd.; Principal Global Investors (Australia) Ltd.; Principal Global Investors (Japan) Ltd.; Principal Global Investors (Hong Kong) Ltd.; CIMB- Principal Islamic Asset Sdn. Bhd.; and the majority owned affiliates of Principal International, Inc. Assets under management includes assets managed by investment professionals of Principal Global Investors under dual employee arrangements with other subsidiaries of The Principal and assets managed in accordance with investment advice provided by Principal Global Investors through the delivery of a model. 1 The Principal Financial Group and The Principal are registered trademarks of Principal Financial Services, Inc., a member of the Principal Financial Group. This document has not been reviewed by any regulatory authority in Hong Kong. This document is issued by Principal & Retirement Services Limited. Website: Address: 27/F, Hopewell Centre,183 Queen s Road East, Hong Kong Last update: September 2016

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