Investor Presentaiton

Strong Enterprise Risk Management ✓ Strong Risk Culture ✓ Diversified Business Profile ✓ Clearly Articulated Risk Appetite Comprehensive Stress Testing . Resilient capital ratio under extreme market stress scenarios Sufficient liquidity to support elevated demands under stress Strong Financial and Market Risk Management ✓ Well-Designed Risk Framework Mature Operational Risk Management ✓ Robust Governance Structure ✓ Effective Risk Organization Robust Cyber Security & IT Risk Management Diversified and well-positioned investment portfolio Disciplined asset-liability management Hedging programs performing as designed Effective coordination across three-lines-of-defense¹ model • Well-established enterprise-wide programs and processes • • Established programs aligned with industry standards2,3 Extensive training and awareness campaigns 1 Three lines of defense framework for risk management includes risk owners as first line, risk management as second line, and internal audit as third line 2 National Institute of Standards and Technology (NIST) Cybersecurity Framework (CSF) 3 Control Objectives for Information and Technologies (COBIT) Framework PACIFIC LIFE PLGFII - Investor Presentation (Q4 2022) 19 of 35

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