Pacific Life

Initial Guaranteed Period

Rates Effective as of:

3-Year Initial Guaranteed Period All States Except New York
Purchase Payment	Less than $100,000	$100,000 and more

3-Year Initial Guaranteed Period New York Only
Purchase Payment	Less than $100,000	$100,000 and more

5-Year Initial Guaranteed Period All States Except New York
Purchase Payment	Less than $100,000	$100,000 and more

5-Year Initial Guaranteed Period New York Only
Purchase Payment	Less than $100,000	$100,000 and more

7-Year Initial Guaranteed Period All States Except New York
Purchase Payment	Less than $100,000	$100,000 and more

7-Year Initial Guaranteed Period New York Only
Purchase Payment	Less than $100,000	$100,000 and more

The minimum guaranteed rate after the initial guaranteed period is 2.00% (3.00% in New York) per year.

The interest rate credited on the initial purchase payment is guaranteed for the period selected. The annuity purchase payment earns a guaranteed declared interest rate for the initial period . After the initial guaranteed period expires, a new interest rate will be dedared on each contract anniversary and will be guaranteed for one contract year. Interest will be credited daily at a rate that compounds over the course of one year to the annualized effective interest rate, assuming no withdrawals.

No guaranteed rate will ever be set below the minimum or above the maximum stated in the contract. Pacific Life determines, at its discretion, annual interest rates in excess of the minimum or below the maximum guaranteed in the contract.

For more information, refer to the Contract Summary.

Annuity withdrawals and other distributions of taxable amounts, including death benefit payouts, will be subject to ordinary income tax. For nonqualified contracts, an additional 3.8% federal tax may apply on net investment income. If withdrawals and other distributions are taken prior to age 59½, an additional 10% federal tax may apply. A withdrawal charge also may apply. Withdrawals will reduce the contract value and the value of the death benefits, and may reduce the value of any optional benefits.