2015Pacific LifeAnnual Report

“ Pacific Life” refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Client count as of June 2015 is compiled by Pacific Life using the 2015 FORTUNE 500®list. Pacific Life Insurance Company, a subsidiary of Pacific Mutual Holding Company, is licensed in all states except New York. In New York, individual life insurance and annuity products are available through Pacific Life & Annuity Company, a subsidiary of Pacific Life Insurance Company. Product availability and features vary by state. Insurance product and rider guarantees are backed by the financial strength and claims‐paying ability of the issuing company and do not protect the value of the variable investment options. Each company is solely responsible for the financial obligations accruing under the policies it issues. Variable products are issued by Pacific Life Insurance Company and Pacific Life & Annuity Company. These products and mutual funds are distributed by Pacific Select Distributors, LLC (member FINRA and SIPC), a subsidiary of Pacific Life Insurance Company and an affiliate of Pacific Life & Annuity Company, and are available through licensed third‐party broker‐dealers. In order to sell life insurance products, a financial professional must be a properly licensed and appointed life insurance producer. For current ratings, visit us online at www.PacificLife.com/ratings.

PACIFIC MUTUAL HOLDING COMPANY

Pacific Mutual Holding Company (Pacific Mutual) is the parent company of Pacific LifeCorp, which is the parent company of Pacific Life Insurance Company. Policyholders of Pacific Life Insurance Company are members of Pacific Mutual and, as such, are invited to attend the annual meeting of Pacific Mutual and to elect its board of directors. Through its direct and indirect subsidiaries, Pacific Mutual is engaged in a wide variety of insurance, financial services, and other investment‐related businesses.

PACIFIC LIFE & ANNUITY COMPANY

Pacific Life & Annuity Company offers a wide range of products, including life insurance, annuities, structured settlement annuities, and other investment products and services for individuals and businesses.

2015 Financial Summary

Business Highlights

Letter to Policyholders and Clients

Life Insurance Division

Retirement Solutions Division

Aviation Capital Group

Pacific Life Re

Pacific Asset Management

Investments

Corporate Social Responsibility

Directors and Corporate Leadership

Contact Information

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TABLE OF CONTENTS

PACIFIC LIFE INSURANCE COMPANY

Offering insurance since 1868, Pacific Life provides a wide range of life insurance products, annuities, and mutual funds, and offers a variety of investment products and services to individuals, businesses, and pension plans. Pacific Life counts more than half of the 100 largest U.S. companies as its clients.

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2015 FINANCIAL SUMMARY

1 Excludes accumulated other comprehensive income and noncontrolling interest. 2 Excludes net realized investment gain (loss) (NRIGL) and other than temporary impairments (OTTI). 3 Excludes NRIGL (net of an estimate of related amortization of deferred policy acquisition costs [DAC] for variable annuity products and stable value product income), adjustments to variable annuity DAC resulting from true‐ups, assumption unlockings and modeling refinements, and OTTI, net of taxes.

PACIFIC MUTUAL HOLDING COMPANY

Company AssetsIn billions of dollars

EquityIn billions of dollars

Operating RevenuesIn billions of dollars

Operating IncomeIn millions of dollars

Company Assets

Policyholder & Other Liabilities

Equity 1

Operating Revenues 2

Operating Income 3

137,279

127,171

9,363

8,428

561

$

$

$

$

$

137,048

126,817

8,672

7,712

626

$

$

$

$

$

0%

0%

8%

9%

(10%)

Dollars in Millions December 31, 2015 2014 % Change

2013 2013

2013 2013

2014 2014

2014 2014

2015 2015

2015 2015

130137 137 9.4

8.78.1

7.5568

626561

7.78.4

Life insurance rankings are from the 2015 Confidential Annual Sales Survey of Participating Companies by LIMRA International. Pacific Life Insurance Company sales are based on planned recurring premiums as measured against 81 participating companies. Annuity ranking is from the Variable Annuity Sales and Asset Survey by Morningstar, Inc., as of December 31, 2015. FORTUNE ranking as of June 2015 is of the top 500 U.S. firms by gross revenue.

BUSINESS HIGHLIGHTS

$137B 7th

$661M $2.1B $800B

$6M

1st

387th

11th

148

company assets total life insurance sales

net income paid in insurance and annuity benefits

life insurance in force

charitable contributions

indexed universal life and universal life insurance sales

FORTUNE 500®company

variable annuity sales

years

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LETTER TO POLICYHOLDERS AND CLIENTSThis is a time of opportunity in the financial services industry to provide

increased financial security and value to families. Four out of 10 households

have no life insurance, and those that do typically lack adequate coverage

to meet the needs of their families. The retirement picture is similarly

challenged. The average employee balance in a retirement account is $50,000

and 66 percent of working families fall far short of conservative retirement

savings goals. The retirement readiness gap is large, as is the gap of

understanding the significant financial resources needed for retirement, which

may be of a long and unpredictable length.

Pacific Life is moving forward with innovation, one of our core values, to help

address the challenges and uncertainties that our customers are facing.

This past year, we have actively sought out opportunities for new products,

services, and creative solutions, helping us better meet the needs of our

customers and enhance the support provided to financial advisors.

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“Pacific Life is moving forward with innovation, one of our core values, to help address the challenges

and uncertainties that our customers are facing.”

2015 FINANCIAL REVIEW

Pacific Life continued its momentum forward in 2015, reporting a strong

net income of $661 million. We continued to be a leader in several product

areas, while maintaining a diversified and risk-managed product portfolio.

Our investment areas delivered strong results and deployed more than

$9 billion in new investments during 2015, our highest level ever. Our

focus on credit quality and highly competitive yields allows us to maintain

attractive and competitive crediting rates offered in our products.

The Life Insurance Division celebrated its seventh year as the number one

seller of indexed universal life (IUL), and Pacific Life was one of the first

$1 billion in sales in each of its main product categories, namely variable

annuities, fixed annuities, mutual funds, and institutional products. We

added 13 new investment options within our variable annuity product line,

bringing Pacific Life’s total number of available investment options to more

than 100. Pacific Funds, our retail mutual fund family, initiated six new U.S.

Equity Funds subadvised by Rothschild Asset Management Inc.

Aviation Capital Group (ACG) is celebrating its 27th year as an aviation

industry leader. It successfully completed a $900 million unsecured senior

note sale, bringing the amount raised through debt financing to more than

to introduce this product to consumers more than 10 years ago. Pacific

Life’s IUL products combine upside potential and downside protection

while providing death benefits that can help protect families and businesses

from unexpected losses due to death. PRIME, a web-based life insurance

sales tool, was recognized with a Stevie Award for the best new business-

to-business service in the financial and insurance sector. PRIME is an

innovative mobile platform that provides a personalized, simple, and

seamless customer experience for both financial professionals and

their clients.

In a challenging low-interest rate environment and with an industry-wide

decline in sales, the Retirement Solutions Division exceeded more than

$9 billion since the beginning of 2010. ACG continues to look to the future,

committing to purchase the latest technology aircraft, bringing its total

number of owned, managed, and committed aircraft to nearly 390.

Pacific Life Re, our reinsurance subsidiary, provides a comprehensive

range of wholesale life risk management products and services in

the United Kingdom, Ireland, Asia, Australia, and North America. Pacific

Life Re expanded its reach in 2015 to Australia and completed its

first group risk reinsurance transaction there. During the year, new

longevity swap transactions covering $6 billion of underlying liabilities

were completed.

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MEETING YOUR NEEDS

The need for Pacific Life’s solutions is now more evident than ever before.

We are committed to creating products and services that meet the needs

of current and future generations and that will stand the test of time. Thank

you for trusting Pacific Life to be there for you.

James T. Morris Chairman, President and Chief Executive Officer

ACKNOWLEDGMENTS

Douglas Ingram, former president of Allergan and current CEO of Chase

Pharmaceuticals, was elected to the board of Pacific Mutual Holding

Company in May 2015. He is an accomplished business leader and we

welcome his valuable insights to our board.

In May, our longest-standing board member of 36 years, Susan Westerberg

Prager, retired from the board of directors. She made remarkable

contributions in her role, being the first woman to serve on our board of

directors. The Pacific Life board of directors has greatly benefited from her

insightful contributions and we thank her for her strong leadership and

support over the years.

At the end of 2015, Pacific Life President Khanh T. Tran transitioned to

become Aviation Capital Group’s next CEO. He was a key member of Pacific

Life’s leadership since he joined the company in 1990, and his knowledge

of the aircraft leasing industry and the financial markets makes him ideally

suited to focus on and lead ACG’s continued growth. Denis Kalscheur, the

former CEO of ACG, was named vice chairman of ACG’s board. Denis has

done an outstanding job in strengthening ACG’s financial position, attracting

capital, and growing the aircraft portfolio. We look forward to his continued

leadership in his new role.

LIFE INSURANCE DIVISION

OUR EXPERTISE

• Financial protection• Business planning and

continuation strategies• Estate planning

strategies• Supplemental

retirement income

We offer solutions to individuals, families, and businesses to help them reach their goals for financial protection and supplemental retirement income through life insurance. We work with leading financial and insurance professionals to provide high‐quality products and services for the diverse and evolving needs of their clients.

OUR SOLUTIONS

• Term life insurance• Universal life insurance• Variable universal

life insurance• Indexed universal

life insurance• Universal life insurance

with long-term care benefits

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• Recognized with Stevie Award for Best New Business-to-Business for PRIMESM web‐based portal.

• Created a more streamlined experience for life insurance producers by refreshing their dedicated online portal.

• Strengthened position as a leader in Life Insurance Retirement Plan sales by introducing new customer‐focused initiatives, including an executive class underwriting initiative, a variable universal life insurance accumulation product, and a one‐year indexed account with no cap rate.

• Established a dedicated innovations team to enhance our business by identifying and evaluating opportunities that align with the changing needs of our customers and our strategic objectives.

Life insurance rankings are from the 2015 Confidential Annual Sales Survey of Participating Companies by LIMRA International. Pacific Life Insurance Company sales are based on planned recurring premiums as measured against 81 participating companies. Awarded a Bronze Stevie® Award for the Best New Business‐to‐Business Service in the financial and insurance sector.

OUR ACHIEVEMENTS

DISTRIBUTION NETWORKS

Divisional sales/regional offices • M Financial Group • Marketing organizations • Independent broker-dealers • Regional wirehouses National wirehouses • Financial institutions

LEADERSHIP

Richard J. Schindler, Executive Vice President • Kevin M. Roddy, Senior Vice President, Finance • Dawn M. Trautman, Senior Vice President, Product & Strategy Management

Individual Life Insurance in ForceIn billions of dollars

Direct PremiumIn billions of dollars

252243232

2.9 3.0 3.0

2013 2014 2015

2013 2014 2015

1stlargest seller indexed universal life and universal life insurance

2ndlargest seller variable universal life insurance

7thlargest seller total life insurance

10thyear as an indexed universal life insurance market leader

OUR EXPERTISE

• Retirement savings• Retirement income• Asset allocation

strategies• Investment strategies

We offer a broad and diversified range of products and solutions designed to help individuals and families achieve asset growth, sustainable retirement income, and long‐term financial independence. We also help businesses manage and fulfill their long‐term retirement plan commitments to employees.

OUR SOLUTIONS

• Fixed annuities• Variable annuities• Mutual funds• Structured settlement

annuities• Pension risk transfer

RETIREMENT SOLUTIONS DIVISION

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• Launched a dedicated, mobile-friendly website to help financial professionals leverage their social networking capabilities to enhance their existing sales and marketing practices.

• 18 years of award‐winning customer service to financial professionals and contract owners.

• Expanded our distribution network by creating a new fixed indexed annuity to independent insurance agents and agencies.

• Pacific Funds, our retail mutual fund family, initiated six new U.S. Equity Funds sub-advised by Rothschild Asset Management Inc.

• Entered the qualified longevity annuity contract (QLAC) market by introducing a QLAC for IRA owners who are looking to save on taxes earlier in retirement and increase their guaranteed lifetime income payments at a later time.

Rankings from Variable Annuity Sales and Assets Survey by Morningstar, Inc. and Fixed Annuity Premium Study by Beacon Research, as of December 31, 2015. Structured settlement annuity rankings from U.S. Individual Annuities Sales Survey by LIMRA, as of December 31, 2015. Customer service awards include DALBAR Service Awards, awarded 1997–2015 (DALBAR, Inc. is a Boston‐based financial services market research company), and Gold and Silver Stevie® Awards, awarded at the 2015 Stevie Awards for Sales & Customer Service.

Annuities Assets Under ManagementIn billions of dollars

Mutual Funds Assets Under ManagementIn billions of dollars

OUR ACHIEVEMENTS

2013 2014 2015

2013 2014 2015DISTRIBUTION NETWORKS

Independent broker-dealers • National/regional wirehouses • Financial institutions • Structured settlement brokers • Pacific Life Producer Alliance

LEADERSHIP

Dewey P. Bushaw, Executive Vice President • Kevin R. Byrne, Senior Vice President, Finance & Risk Management • Lorene C. Gordon, Senior Vice President, Operations & Program Management Office • Philip A. Teeter, Senior Vice President, Technology • Chris van Mierlo, Senior Vice President, Sales & Chief Marketing Officer • Brian T. Woolfolk, Senior Vice President, Product Design & Pricing

$1Bexceeded in sales in each of our main product categories, namely variable annuities, fixed annuities, mutual funds, and institutional products

11thlargest seller variable annuities

14thlargest seller fixed annuities

2nd largest seller structured settlement annuities

73.2

5.55.9

5.6

74.9 73.6

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OUR EXPERTISE

• Understanding our customers and their needs

• Deep knowledge of global aircraft markets and airlines

• Strategic manufacturer and global financial institution relationships

Aviation Capital Group is proud to celebrate its 27th year as an aviation industry leader. With a platform of 266 commercial jet aircraft leased to approximately 100 airlines in 45 countries, we are established as a trusted aircraft lessor to airline customers worldwide. We also provide aircraft asset management and advisory services to lenders and institutional investors.

OUR SOLUTIONS

• Full-service, premier operating lease platform

• Aircraft asset investments and management

• Commercial jet aircraft trading

AVIATION CAPITAL GROUP

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• Secured $1.2 billion in unsecured revolving credit facilities supported by 21 banks globally, and closed our fourth yen-denominated term loan with additional lenders in the group.

• Maintained active portfolio trading activity with purchases of 30 aircraft and sales of 28 aircraft.

• Entered into an agreement to sell an additional 18 mid-life aircraft to a group of investors.

• Established a joint venture with a significant partner to invest in newer narrow-body aircraft with a broad airline user base.

• Issued an additional $900 million of unsecured senior notes to institutional investors in the U.S. markets, continuing our strategy of accessing multiple funding sources.

Aircraft Owned or Managed

Total AssetsIn billions of dollars

OUR ACHIEVEMENTS

2013 2014 2015

2013 2014 2015

DISTRIBUTION NETWORKS

United States, United Kingdom, Ireland, Chile, China, and Singapore

LEADERSHIP

Khanh T. Tran, Chief Executive Officer • John N. Feren, Executive Vice President, Head of Global Strategy & Development • Andrew M. Mansell, Executive Vice President, Head of Global Marketing & Trading • Madhu Vijay, Executive Vice President and Chief Financial Officer Todd E. Woodward, Executive Vice President, Asset Management

$9.3Btotal assets

50%compounded annual growth rate in pre‐tax income from 2013 to 2015

$858Mrevenues

101new technology aircraft commitments

261

8.6 8.79.3

265 266

OUR EXPERTISE

• Life insurance• Longevity and

annuity risk• Critical illness insurance• Income protection

insurance• Underwriting manuals

and expert systems

Pacific Life Re offers a comprehensive range of wholesale life risk management products and services in the United Kingdom, Ireland, Asia, Australia, and North America. We specialize in risk and capital management of life assurance, critical illness, income protection, and annuity businesses.

OUR SOLUTIONS

• Reinsurance of life assurance, critical illness, and income protection businesses

• Reinsurance of annuity and longevity risk

• Life insurance retrocession

• Associated reinsurance services and technical support

PACIFIC LIFE RE

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1 Source: Life & Health Reinsurance Programme 2015 by NMG Consulting.

Earned PremiumsIn millions of dollars

Life Reinsurance in ForceIn billions of dollars

OUR ACHIEVEMENTS

2013 2014 2015

2013 2014 2015

DISTRIBUTION NETWORKS

In-house marketing to insurance companies and retrocession clients

LEADERSHIP

David R. Howell, Chief Executive Officer • Duncan L. Hayward, Chief Financial Officer • David G. Heeney, Chief Marketing Officer, Europe Alex R. King, Managing Director, Asia • Andrew P. Gill, Managing Director, Australia • Robert A. Diefenbacher, Senior Vice President, Retrocession

$1.4Bearned premium income

$100Mannualized new business premium generated by our Australian office in its first year of operation

$6Bof underlying liabilities covered by new longevity swap reinsurance transactions

896

285

513546

1,067

1,384• Rated #1 for innovation for the fifth time in six years in the leading independent survey of the United Kingdom and Ireland life reinsurance markets. 1

• Launched a new reinsurance operation in Australia and completed our first Australian group risk reinsurance transaction.

PACIFIC ASSET MANAGEMENTFounded in 2007, Pacific Asset Management specializes in institutional fixed income asset management. Our investment team focuses on fundamental credit analysis and the management of bank loan, high‐yield bond, and investment‐grade bond strategies.

OUR EXPERTISE

• Fixed income investment management

• Floating-rate loans• High-yield bonds• Investment-grade bonds

OUR SOLUTIONS

• Corporate debt investment strategies

• Core plus• Strategic credit • Short‐duration credit• Subadvisory investment

management • Institutional separate

accounts

• Announced the listing of our exchange-traded fund, FLRT, in partnership with AdvisorShares®, with the ringing of the New York Stock Exchange opening bell.

• Achieved top quartile performance for bank loan and short duration strategies over one year, and short duration and core plus over five years.

LEADERSHIP

James P. Leasure, Senior Managing Director Dominic D. Nolan, Senior Managing Director

OUR ACHIEVEMENTS

Pacific Asset Management is a business division of Pacific Life Fund Advisors LLC, an SEC-registered investment adviser and wholly owned subsidiary of Pacific Life Insurance Company.

$5.5Bassets under management

$715Mfixed income assets gained through institutional and retail channels

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Positioning the company for the long term

INVESTMENTS

The Pacific Life family of companies is supported by seasoned investment teams that focus on investment strategies that provide attractive risk‐adjusted returns. As an independent company with no publicly traded stock, we follow a disciplined and long‐term investment philosophy that stands the test of time and serves the best interests of our policyholders and clients.

LEADERSHIP

Tod Nasser, Senior Vice President, Investment Management T. Anthony Premer, Senior Vice President, Real Estate Investments

OUR ACHIEVEMENTS

$41BGrew our portfolio of fixed maturity securities to $41 billion, maintaining our focus on credit quality and highly competitive yields.

$11BContinued strong performance of our $11 billion commercial mortgage loan and real estate equity portfolios, originating $2.6 billion of new commercial real estate-related investments.

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QUALITY OF FIXED MATURITY SECURITIES

Our bond and real estate securities holdings are very strong, with more than 96 percent of our fixed maturity securities rated as investment‐grade by the Securities Valuation Office of the National Association of Insurance Commissioners (NAIC).

DISTRIBUTION OF INVESTMENTS

Pacific Life invests in carefully selected securities and mortgage loans. Pacific Life has an accomplished management team with experience in both positive and negative market environments. Our disciplined underwriting and diligent monitoring helps ensure that we maintain portfolio quality over the long horizon.

Dollars in millions Dollars in millionsDecember 31, 2015 December 31, 2015

$40,602 Fixed Maturity Securities

$11,092Mortgage Loans

$7,331 Policy Loans

$849 Private Equity

$622Other Investments

$536Fair Value Option Securities

$351 Real Estate

$228 Trading Securities

$136Equity Securities

$18,389NAIC 1Highest Quality

$1,321NAIC 3Medium Quality

$20,487NAIC 2High Quality

$405NAIC 4 –NAIC 6Low Quality and Below

Investment-Grade

Non-Investment-Grade

$61.7B $40.6B

$38,876

$1,726

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Dollars in millions December 31, 2015

REAL ESTATE MORTGAGE PROPERTIES

These featured properties represent just a few of the high‐quality mortgage loans included in Pacific Life’s real estate investment portfolio.

DISTRIBUTION OF REAL ESTATE INVESTMENTS

Pacific Life emphasizes high-quality properties in select major metropolitan areas that exhibit strong demographic and economic trends.

$3,792Office Buildings

$2,736Retail

$2,064Apartments

$1,371Lodging

$978Credit Tenant Loans

$502Other

$11.4BThe Mall at Short Hills

Milburn, NJPinehurst Resort

Pinehurst, NCKinects Tower

Seattle, WA

Tempe MarketplaceTempe, AZ

Century CentreIrvine, CA

Metro Pointe at South Coast

Costa Mesa, CA

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CORPORATE SOCIAL RESPONSIBILITYBeyond our business commitments, we strive to improve our communities and environment through philanthropy and volunteerism.

The Pacific Life Foundation donated $6 million in cash contributions to 781 nonprofit agencies in 2015.

47%Health & Human Services

31%Civic, Community & Environment

19%Education

3%Arts & Culture

$6M

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$90Mgiven to community nonprofits in the past 31 years.

$840Kin employee and Foundation contributions to the 2015 United Way Campaign.

10,000packaged JoyJars in partnership with Jessie Rees Foundation that were shipped to hospitals in 42 states and four countries for children battling cancer.

$500Kpledged to Children’s Hospital of Orange County in support of its new pediatric mental health initiative.

$1.5Mdonated to organizations working to improve ocean health and sustainability, as well as the conservation, education, and research of humpback whales and other marine mammals.

10,200total volunteer hours at 156 different community projects through our Pacific Life Good Guys Program, a 40% increase in volunteer hours from 2014.

$3.7BPacific Life has invested $3.7 billion in assets related to socially responsible efforts in underserved and low‐income communities, as well as environmentally green efforts. We have also made commitments of an additional $1.1 billion toward future investments.

4thcompleted employee‐built community playground in partnership with KaBOOM!

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1 Director of Pacific Mutual Holding Company 2 Director of Pacific LifeCorp 3 Director of Pacific Life Insurance Company

DIRECTORS AND CORPORATE LEADERSHIP

DIRECTORS

Douglas D. Abbey 1, 2

ChairmanSwift Real Estate Partners

Mariann Byerwalter 1, 2

ChairmanSRI InternationalInterim President and Chief Executive Officer Stanford Health Care

Sharon A. Cheever 3

Senior Vice President and General Counsel Pacific Life Insurance Company

Dwight W. Decker 1

Retired Chairman and Chief Executive Officer Conexant Systems, Inc.

Christopher D. Furman 2

President and Chief Executive OfficerVentura Foods, LLC

John Gottschalk 1

Retired Chairman Omaha World-Herald Company

Julia S. Gouw 1, 2

Retired President and Chief Operating Officer East West Bank

Adrian S. Griggs 3

Executive Vice President and Chief Financial OfficerPacific Life Insurance Company

Jane M. Guon 3

Vice President and Secretary Pacific Life Insurance Company

Lawrence F. Harr 3

Partner Lamson, Dugan & Murray, LLP

Douglas S. Ingram 1

Chief Executive Officer Chase Pharmaceuticals Corporation

James T. Morris 1, 2, 3

Chairman, President and Chief Executive Officer Pacific Life Insurance Company

J. Michael Shepherd 1, 2

Chairman and Chief Executive Officer BancWest Corporation

Scott D. Stowell 1

Executive Chairman of the Board CalAtlantic Group, Inc.

William S. Thompson 2

Retired Chief Executive OfficerPIMCO

Dean A. Yoost 2

Retired Partner PricewaterhouseCoopers

CORPORATE SENIOR MANAGEMENT

James T. MorrisChairman, President and Chief Executive Officer

Mary Ann BrownExecutive Vice President, Investments, Fund Advisory, Corporate Risk Management & Reinsurance

Adrian S. Griggs Executive Vice President and Chief Financial Officer

Edward R. Byrd Senior Vice President and Chief Accounting Officer

Joseph E. Celentano Senior Vice President and Chief Risk Officer

Sharon A. Cheever Senior Vice President and General Counsel

Thomas Gibbons Senior Vice President, Corporate Treasury, Tax & Enterprise Consulting

Howard T. Hirakawa Senior Vice President, Investment Advisor Operations

Andrew Oleksiw Senior Vice President, Corporate Development

Carol R. Sudbeck Senior Vice President, Human Resources, Facilities, Public Affairs & Corporate Information Technology

Richard A. Vrieling Senior Vice President, Corporate Information Technology

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CONTACT INFORMATION

700 Newport Center DriveNewport Beach, CA 92660-6397(800) 800-7646 (949) 219-3011Email: Info@PacificLife.comwww.PacificLife.com

Investment Management(800) 800-7646

Real Estate Investments (800) 800-7646, ext. 4763

Retirement Solutions Division(800) 722-4448

Life Insurance Division45 EnterpriseAliso Viejo, CA 92656-2601(800) 800-7681, ext. 6000(949) 420-6000

PACIFIC LIFE INSURANCE COMPANY/ PACIFIC LIFE & ANNUITY COMPANY

PRINCIPAL SUBSIDIARIES

To view a copy of Pacific Mutual Holding Company’s 2015 audited GAAP consolidated financial statements, please visit www.PacificLife.com/financials.

Pacific Asset Management(800) 800-7646, ext. 1656 (949) 219-1656www.PAM.PacificLife.com

Pacific Life Re LimitedTower Bridge HouseSt. Katharine’s WayLondon E1W 1BA+44 (0)20 7709 1700www.PacificLifeRe.com

Pacific Select Distributors, LLC(800) 800-7646, ext. 3881(949) 219-3881

Aviation Capital Group Corp.840 Newport Center Drive, Suite 300Newport Beach, CA 92660-6322(949) 219-4600www.AviationCapital.com

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www.Paci f icL i fe.com