Document:

SF 749-2                                                 3- 1

SF 749-2                                                   3

                                                            DATA PAGE

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                   Flexible Premium Deferred Variable Annuity
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CONTRACT DATA
Contract Number:               [Sample]
Annuitant/Age:                 [John Doe/35]
Owner:                         [Jane Doe]
Joint Annuitant/Age:           [Jane Doe/35]
Joint Owner:                   [John Doe]
Contract Date:                 [November 1, 2004]
Maximum Annuitization Date:    [October 31, 2054]
Initial Premium:               [$10,000.00]

BENEFITS
Fixed Account Guaranteed Minimum Interest Rate:                  [1.00%-3.00%]

Fixed Account  Interest Rate for premium
   payments received on the Contract Date:                       [3.50%]
 The Fixed Account Interest Rate may be lower for the
 Premium Payment Credit Rider.

Fixed Dollar Cost Averaging (DCA) Account
Guaranteed Minimum Interest Rate:                                [1.00%-3.00%]

Fixed DCA Account 6-Month DCA Term
 Interest Rate for premium payments received
   on the Contract Date:                                         [4.50%]
Fixed DCA Account 12-Month DCA Term
Interest Rate for premium payments received
   on the Contract Date:                                         [5.50%]

CONTRACT CHARGES AND LIMITS

<TABLE>
<CAPTION>
<S>                                                      <C>                    <C>
Separate Account Administration Charge:      Currently [ 0.00% ], not to exceed 0.15% annually
Mortality & Expense Risks Charge:            1.25% annually
Annual Fee:                                  Lesser of $30.00 or 2.00% of accumulated value
Transaction Fee:                             [Currently  $00.00  ], or,  for  unscheduled  Division
                                             transfers  after the first,  such larger  amount as is
                                             required  by law or by the  underlying  mutual fund of
                                             the Division.
Minimum Additional Premium:                  $500.00
Maximum Total Premium Contributions:         $2,000,000.00
Minimum Unscheduled Partial Surrender:       $100.00
Minimum Accumulated Value After
   A Partial Surrender:                      $5,000.00
Minimum Accumulated Value To Initiate A
   Scheduled Partial Surrender:              $5,000.00
Minimum Transfer Amount:                     $100.00
Free Surrender Amount:
The greater of (A.) and (B.) where: (A.) is 10% of premium payments  decreased by any partial surrenders made since the
last Contract  Anniversary;  and (B.) is the  accumulated  value minus remaining  premium  payments as of the surrender
date.
[ Minimum Fixed DCA Account Premium Payment:                     $1,000.00 ]
</TABLE>

<PAGE>

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                       SURRENDER CHARGES

 Completed Contract Years Since
  Each Premium Payment Was Made     Surrender Charge Percentage
                0                              6.00%
                1                              6.00%
                2                              6.00%
                3                              5.00%
                4                              4.00%
                5                              3.00%
                6                              2.00%
           7 and after                         0.00%

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                       SURRENDER CHARGES

 Completed Contract Years Since
  Each Premium Payment Was Made     Surrender Charge Percentage
                0                              8.00%
                1                              8.00%
                2                              7.00%
                3                              6.00%
                4                              5.00%
                5                              4.00%
                6                              3.00%
                7                              2.00%
                8                              1.00%
           9 and after                         0.00%

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<PAGE>

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RIDER DATA
<TABLE>
<CAPTION>
<S>                             <C>                             <C>                                     <C>

Enhanced Death Benefit Rider
     Effective Date:                   [ September 1, 2004 ]
     Quarterly Rider Charge:           Currently [ 0.0625% ] of average quarterly accumulated value, not to exceed
                                       0.0750%.

Guaranteed Minimum Withdrawal Benefit Rider
     Effective Date:                                [ September 1, 2004 ]
     Quarterly Rider Charge:                        Currently [ 0.1500% ] of average quarterly Investment Back Remaining
                                                    Withdrawal Benefit Base, not to exceed 0.2125%.

Premium Payment Credit Rider
     Effective Date:                 [ September 1, 2004 ]
     Annual Rider Charge:            0.60% of the Division Value for the first eight Contract Years.
                                     [ Also, the Fixed Account Initial Interest Rate may reflect an adjustment for this
                                     rider. ]

</TABLE>SF 801 Page 1 of 1 [OBJECT OMITTED]

                        PARTIAL ANNUITIZATION ENDORSEMENT

This endorsement is a part of your contract and modifies the contract to which
it is attached, as specified below:

Add a PARTIAL ANNUITIZATION section under BENEFIT PROVISIONS - ANNUITY BENEFIT
to the contract:
"You may apply a portion of the accumulated value to a benefit option at anytime
prior to the Maximum Annuitization Date by sending Us Notice at Our Office. That
portion will be applied to a benefit option as of the Valuation Period We
receive the Notice. Partial annuitizations reduce the accumulated value of the
contract and are deducted from the Investment Options in the same proportion as
Your current premium payment allocations unless You direct otherwise."

The benefit options available are listed in the BENEFIT PROVISIONS - DESCRIPTION
OF BENEFIT OPTIONS section of the contract. The minimum amount that may be
applied to a benefit option is $2,000 and the minimum accumulated value after
the partial annuitization must be $5,000. Any partial annuitization request that
would reduce the accumulated value to less than $5,000 will be treated as a
request for full annuitization of this contract.

We reserve the right to limit the number of partial annuitizations that may be
requested in a contract year, but it will never be less than 1 per contract
year.

On the  DATA  PAGE  replace  the  Free  Surrender  Amount  definition  with  the
following:  The greater of (A.) and (B.) where: (A.) is 10% of premium payments,
decreased by any partial surrenders and/or partial annuitizations made since the
last Contract  Anniversary;  and (B.) is the  accumulated  value minus remaining
premium   payments  as  of  the  date  of  the  partial   surrender  or  partial
annuitization.

Under  CONTRACT VALUES - DIVISION VALUE delete item 2 and replace as follows:
2.       is the number of Units redeemed from the Divisions because of:
a.       amounts deducted from it;
b. amounts transferred from it; c. amounts surrendered from it; and d. amounts
applied to a benefit option.

Under the DEATH BENEFITS section, change all references to partial surrender(s)
to "partial surrender(s) and/or partial annuitization(s)".

Under FEES AND CHARGES - SURRENDER CHARGE delete item 1 of the 5th paragraph
that begins with "Surrender Charge is not assessed when": and replace as
follows:
1. a portion or all of the accumulated value is applied under a benefit option;

Under GENERAL INFORMATION - TERMINATION section, change references to partial
surrender(s) to: "partial surrender(s) and/or partial annuitization(s)".

Under GENERAL INFORMATION - TAXES replace with the following:
Surrenders, applications of any amount of the accumulated value to a benefit
option, and any changes of Owner or Annuitant may have tax consequences to You.
You may want to seek the advice of Your tax advisor before making any changes to
this contract.

Principal Life Insurance Company
Des Moines, Iowa  50392-0001SF 568                 [OBJECT OMITTED]

SF 754-1

                          PREMIUM PAYMENT CREDIT RIDER

This rider is part of your contract. All definitions, provisions, and exceptions
of the contract apply to this rider unless changed by this rider. In the case of
a conflict with any provision in the contract, the provisions of this rider will
control. This rider must be elected prior to the Contract Date and is effective
on the Contract Date. This rider cannot be terminated unless the contract
terminates. The charge for this rider is shown on the Data Page.

PREMIUM PAYMENT CREDIT

During the first Contract Year only, We will credit the accumulated value with
an amount equal to 5 percent of the amount of each premium payment on the date
each premium payment is applied to the contract. For example, if the premium
payment applied to the contract is $10,000, the premium payment credit amount
will be .05 x $10,000, or $500.

No premium payment credit is given after the first Contract Anniversary.

Premium payment credits are allocated in the same proportion as the premium
payments are allocated.

If You return the contract during the Examination Offer period described on the
contract cover, We will recover all premium payment credits. If the value of the
premium payment credit has declined during the Examination Offer period, We
still recover the full amount of the premium payment credits.

Additionally, We will recover the premium payment credits if, prior to the third
Contract Anniversary, You apply all of Your accumulated value to a benefit
option.

There are no partial annuitizations allowed in contract year 1. The partial
annuitizations in each of contract years 2 and 3 are restricted to 10% of the
accumulated value as of the most recent contract anniversary.

[OBJECT OMITTED]

Principal Life Insurance Company
Des Moines, Iowa  50392-0001

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