Investor Presentaiton
IMPORTANT NOTICES REGARDING BASIS OF PRESENTATION AND DISCLAIMERS
BASIS OF PRESENTATION: This presentation is based on information generally believed to be reliable and is presented without any liability whatsoever to Pacific Mutual Holding Company or any of its
subsidiaries, affiliates or related entities (collectively, the "Company") or their respective directors or officers, and is not intended to constitute legal, tax, investment or accounting advice or opinion. The
Company makes no representation or warranty, expressed or implied, as to the accuracy, completeness or thoroughness of the contents of the information, and the Company disclaims any responsibility for
any errors or omissions in such information, including any financial calculations, projections and forecasts. If any information contained in these slides has been obtained or compiled from outside sources,
such information has not been independently verified by the Company. This presentation has been prepared solely for informational purposes, and is not an offer or a solicitation to buy, sell, or transact in any
investment including any products or services; or an invitation, offer or solicitation to engage in any investment activity. It may not serve as the basis for any investment decision made by you or on your
behalf. It is strongly recommended that you seek professional investment advice before making any investment decision.
A portion of this presentation describes funding agreements issued by Pacific Life Insurance Company ("Pacific Life") in connection with Pacific Life Global Funding II's global debt issuance program. This
information is presented solely to detail a funding source employed by Pacific Life and does not constitute an offer to sell, or a solicitation to buy, any securities. The notes issued pursuant to the global debt
issuance program have not been and will not be registered under the Securities Act of 1933, as amended (the "Securities Act"), or any applicable state or foreign securities laws.
The notes may be offered only:
By the Offering Memorandum, dated March 22, 2023, as supplemented from time to time;
In the United States to "Qualified Institutional Buyers", as defined in Rule 144A under the Securities Act; and
In "Offshore Transactions" to persons other than "U.S. Persons", each as defined in Regulation S under the Securities Act.
RBC INFORMATION: Pacific Life Insurance Company is required to report risk-based capital ("RBC") data, including its company action level RBC ratio ("RBC Ratio"), to the Nebraska Department of Insurance
("NE DOI") annually. The RBC Ratio is calculated based on a formula which applies factors to various asset, premium and statutory reserve items and accounts for risk characteristics of the insurer. NE DOI uses
RBC data as a regulatory tool to identify possible inadequately capitalized insurers for purposes of initiating regulatory action and not as a means to rank insurers generally. Nebraska law imposes broad
confidentiality restrictions against the use and publication of RBC data by those engaged in the insurance business (including insurers, agents, brokers and others) and by the NE DOI. Inclusion of Pacific Life
Insurance Company's RBC Ratio in this presentation is intended solely for informational purposes for investors, prospective investors, banking and other counterparties with respect to institutional products
and other commercial transactions and not for the use or disclosure by those engaged in the insurance business.
FORWARD-LOOKING STATEMENTS: This presentation contains forward-looking statements that are intended to enhance your ability to assess the Company's future financial and business performance. These
statements are based on the beliefs and assumptions of the Company's management, and are subject to risks and uncertainties. Generally, statements that are not about historical facts, including statements
concerning the Company's possible or assumed future actions or results of operations, are forward-looking statements. Forward-looking statements include, but are not limited to, statements that represent
the Company's beliefs concerning future operations, strategies, financial results or other developments, and contain words and phrases such as "may," "believes," "intends," "anticipates," "plans," "estimates,"
"expects," "projects," "should" or similar expressions.
Forward-looking statements are made based on management's current expectations and beliefs concerning future developments and their potential effects upon the Company. There can be no assurance
that future developments affecting the Company will be those anticipated by management and the Company makes no representation or warranty that any projection, calculation, forward-looking statement,
assumption or estimate will be achieved. Actual results could differ materially from the expectations expressed by the forward-looking statements.
The Company does not intend, and is under no obligation, to update any particular forward-looking statement or other information included in this presentation.
PACIFIC LIFE
PLGFII - Investor Presentation (Q4 2022)
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