Common use of Applicability of Rates Clause in Contracts

Applicability of Rates. For the fixed Annuity Option, the Annuity Option Tables contained in the following pages illustrate the minimum guaranteed monthly income purchased per $1,000 of the net amount applied. The tables also illustrate the minimum rates for the first monthly variable annuity payment per $1,000 of the net amount applied to the variable annuity payment option. Subsequent payments may be higher or lower than the first payment, based on the investment performance of the Subaccount(s) you elect and whether you exchange Subaccount Annuity Units. For some Qualified Plans and in some states, the use of sex-distinct income factors are prohibited. For those Qualified Plans, we use blended unisex income factors for life payment options for both male and female Annuitants. Basis of Computations — The actuarial basis for the fixed Annuity Option Tables is the 2012 Individual Annuity Mortality Period Life Table with the ages set back ten (10) years with an annual interest rate of 1.00%. The rates for variable annuity payments are based on an assumed investment return of 4.00% per year and the 2012 Individual Annuity Mortality Period Life Table with the ages set back ten (10) years. Rates Not Shown — Any rates and/or ages not shown in the tables contained in this Contract will be provided by the Company upon request. Annuity benefits will not be less than those that would have been provided by the application of an amount to purchase any single premium immediate annuity offered by us at the time annuity payments commence to the same class of annuitants. ANNUITY TABLES OPTIONS 1 AND 2 - LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS FIXED Male at 1% Female at 1% Unisex at 1% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 1.77 1.77 1.77 1.71 1.71 1.71 1.74 1.74 1.74 35 1.87 1.87 1.87 1.81 1.81 1.81 1.84 1.84 1.84 40 2.00 1.99 1.99 1.92 1.92 1.92 1.96 1.96 1.95 45 2.14 2.14 2.13 2.06 2.05 2.05 2.10 2.10 2.09 50 2.32 2.32 2.30 2.22 2.22 2.21 2.27 2.27 2.26 55 2.54 2.54 2.51 2.42 2.41 2.40 2.48 2.48 2.46 60 2.82 2.81 2.76 2.67 2.66 2.63 2.74 2.74 2.70 65 3.17 3.15 3.05 2.98 2.97 2.91 3.08 3.06 2.98 70 3.62 3.58 3.40 3.39 3.36 3.24 3.51 3.47 3.32 75 4.23 4.13 3.78 3.93 3.87 3.62 4.08 4.00 3.70 80 5.07 4.87 4.15 4.66 4.53 4.01 4.87 4.70 4.09 85 6.31 5.81 4.42 5.73 5.40 4.33 6.02 5.61 4.38 90 8.20 6.89 4.55 7.35 6.45 4.51 7.78 6.68 4.54 95 11.14 7.86 4.59 9.85 7.50 4.58 10.49 7.69 4.58 100 15.74 8.45 4.59 13.53 8.25 4.59 14.62 8.36 4.59 VARIABLE Male at 4% Female at 4% Unisex at 4% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 3.61 3.61 3.60 3.56 3.56 3.55 3.58 3.58 3.58 35 3.68 3.68 3.67 3.62 3.62 3.62 3.65 3.65 3.64 40 3.78 3.77 3.76 3.71 3.70 3.70 3.74 3.74 3.73 45 3.89 3.89 3.87 3.81 3.81 3.80 3.85 3.85 3.84 50 4.04 4.04 4.01 3.95 3.94 3.93 4.00 3.99 3.97 55 4.24 4.23 4.18 4.12 4.11 4.08 4.18 4.17 4.13 60 4.50 4.47 4.39 4.34 4.33 4.28 4.42 4.40 4.34 65 4.83 4.79 4.65 4.64 4.61 4.52 4.74 4.70 4.59 70 5.27 5.19 4.95 5.04 4.98 4.81 5.16 5.09 4.89 75 5.87 5.72 5.29 5.56 5.46 5.15 5.72 5.59 5.22 80 6.71 6.42 5.62 6.29 6.09 5.49 6.50 6.26 5.56 85 7.97 7.31 5.85 7.37 6.93 5.77 7.67 7.13 5.81 90 9.90 8.33 5.96 9.03 7.93 5.93 9.47 8.14 5.95 95 12.91 9.23 6.00 11.60 8.90 5.99 12.26 9.08 5.99 100 17.61 9.77 6.00 15.35 9.59 6.00 16.47 9.69 6.00 OPTION 3 - JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 2.59 4.26 2.79 4.45 2.99 4.67 3.21 4.92 3.46 5.22 3.73 5.59 65 2.66 4.32 2.88 4.53 3.13 4.78 3.40 5.06 3.69 5.40 4.00 5.80 70 2.71 4.37 2.97 4.60 3.26 4.89 3.58 5.21 3.93 5.60 4.33 6.06 75 2.75 4.40 3.04 4.67 3.38 4.99 3.76 5.36 4.19 5.81 4.68 6.36 80 2.78 4.43 3.09 4.72 3.46 5.07 3.91 5.51 4.44 6.04 5.06 6.68 85 2.79 4.46 3.12 4.76 3.53 5.14 4.03 5.63 4.66 6.24 5.43 7.03 Primary Annuitant Unisex Age 60 65 70 75 80 85 Unisex 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 2.56 4.23 2.76 4.42 2.98 4.64 3.21 4.90 3.46 5.20 3.74 5.56 65 2.62 4.28 2.85 4.49 3.10 4.74 3.38 5.03 3.68 5.37 4.01 5.78 70 2.66 4.32 2.92 4.56 3.22 4.84 3.55 5.17 3.92 5.56 4.32 6.03 75 2.69 4.35 2.98 4.61 3.32 4.93 3.71 5.31 4.15 5.76 4.66 6.31 80 2.71 4.37 3.02 4.65 3.39 5.00 3.84 5.43 4.37 5.96 5.01 6.61 85 2.73 4.39 3.04 4.68 3.44 5.06 3.93 5.53 4.56 6.14 5.33 6.92 Joint and 66 2/3% Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 2.52 4.19 2.68 4.34 2.83 4.50 2.98 4.67 3.13 4.86 3.28 5.08 65 2.61 4.26 2.80 4.44 3.00 4.63 3.19 4.84 3.38 5.07 3.57 5.32 70 2.68 4.32 2.91 4.53 3.16 4.77 3.41 5.03 3.66 5.30 3.91 5.61 75 2.73 4.37 3.00 4.62 3.30 4.90 3.63 5.21 3.96 5.57 4.31 5.95 80 2.76 4.41 3.06 4.68 3.41 5.01 3.82 5.39 4.27 5.84 4.74 6.34 85 2.79 4.44 3.10 4.73 3.50 5.10 3.97 5.55 4.54 6.10 5.19 6.76 Joint and 100% Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 2.40 4.17 2.48 4.32 2.55 4.49 2.59 4.67 2.62 4.87 2.64 5.10 65 2.51 4.23 2.65 4.42 2.76 4.62 2.84 4.84 2.90 5.07 2.93 5.34 70 2.61 4.28 2.80 4.50 2.97 4.74 3.11 5.01 3.22 5.30 3.29 5.62 75 2.68 4.33 2.92 4.57 3.16 4.86 3.38 5.18 3.58 5.55 3.72 5.96 80 2.73 4.36 3.01 4.62 3.32 4.95 3.64 5.34 3.95 5.80 4.22 6.32 85 2.77 4.38 3.07 4.67 3.44 5.02 3.85 5.47 4.31 6.03 4.76 6.70 OPTION 4 - PERIOD CERTAIN ONLY Monthly Income Years 1.00% Fixed 4.00% Variable 10 8.75 10.06 11 7.99 9.31 12 7.36 8.69 13 6.83 8.17 14 6.37 7.72 15 5.98 7.34 16 5.63 7.00 17 5.33 6.71 18 5.05 6.44 19 4.81 6.21 20 4.59 6.00 21 4.40 5.81 22 4.22 5.64 23 4.05 5.49 24 3.90 5.35 25 3.76 5.22 26 3.64 5.10 27 3.52 5.00 28 3.41 4.90 29 3.31 4.80 30 3.21 4.72 28 Pacific Life Insurance Company · [700 Xxxxxxx Xxxxxx Xxxxx · Newport Beach, CA 92660] INDIVIDUAL LIMITED PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Withdrawal Charges Waived in Specific Instances Annuities Payable in Variable and/or Fixed Dollar Amounts Death Benefit Proceeds Payable Before Annuity Date Non-Participating

Applicability of Rates. For the fixed Annuity Option, the Annuity Option Tables contained in the following pages illustrate the minimum guaranteed monthly income purchased per $1,000 of the net amount applied. The tables also illustrate the minimum rates for the first monthly variable annuity payment Variable Annuity Payment per $1,000 of the net amount applied to the variable annuity payment Variable Annuity Payment option. Subsequent payments may be higher or lower than the first payment, based on the investment performance of the Subaccount(s) you elect and whether you exchange Subaccount Annuity Units. For some Qualified Plans and in some states, the use of sex-distinct income factors are is prohibited. For those Qualified Plans, we use blended unisex income factors for life payment options Life Annuity Options for both male and female all Annuitants. Basis of Computations — The actuarial basis for the fixed Annuity Option Tables is the 2012 Individual Annuity Mortality Period Life Table with the ages set back ten (10) years with an annual interest rate of 1.00%. The rates for variable annuity payments are based on an assumed investment return of 4.00% per year and the [2012 Individual Annuity Mortality Period Life Table with the ages set back ten (10) years] with an annual interest rate of [1.00%]. The rates for Variable Annuity Payments are based on an assumed investment return of [4.00%] per year and the [2012 Individual Annuity Mortality Period Life Table with the ages set back ten (10) years]. Rates Not Shown — Any rates and/or ages not shown in the tables contained in this Contract will be provided by the Company upon request. Annuity benefits will not be less than those that would have been provided by the application of an amount to purchase any single premium immediate annuity offered by us at the time annuity payments commence to the same class of annuitantsAnnuitants. ANNUITY TABLES OPTIONS 1 AND 2 - [ LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS FIXED Male at 1% Female at 1% Unisex at 1% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 1.77 1.77 1.77 1.71 1.71 1.71 1.74 1.74 1.74 35 1.87 1.87 1.87 1.81 1.81 1.81 1.84 1.84 1.84 40 2.00 1.99 1.99 1.92 1.92 1.92 1.96 1.96 1.95 45 2.14 2.14 2.13 2.06 2.05 2.05 2.10 2.10 2.09 50 2.32 2.32 2.30 2.22 2.22 2.21 2.27 2.27 2.26 55 2.54 2.54 2.51 2.42 2.41 2.40 2.48 2.48 2.46 60 2.82 2.81 2.76 2.67 2.66 2.63 2.74 2.74 2.70 65 3.17 3.15 3.05 2.98 2.97 2.91 3.08 3.06 2.98 70 3.62 3.58 3.40 3.39 3.36 3.24 3.51 3.47 3.32 75 4.23 4.13 3.78 3.93 3.87 3.62 4.08 4.00 3.70 80 5.07 4.87 4.15 4.66 4.53 4.01 4.87 4.70 4.09 85 6.31 5.81 4.42 5.73 5.40 4.33 6.02 5.61 4.38 90 8.20 6.89 4.55 7.35 6.45 4.51 7.78 6.68 4.54 95 11.14 7.86 4.59 9.85 7.50 4.58 10.49 7.69 4.58 100 15.74 8.45 4.59 13.53 8.25 4.59 14.62 8.36 4.59 VARIABLE Male at 4% Female at 4% Unisex at 4% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 3.61 3.61 3.60 3.56 3.56 3.55 3.58 3.58 3.58 35 3.68 3.68 3.67 3.62 3.62 3.62 3.65 3.65 3.64 40 3.78 3.77 3.76 3.71 3.70 3.70 3.74 3.74 3.73 45 3.89 3.89 3.87 3.81 3.81 3.80 3.85 3.85 3.84 50 4.04 4.04 4.01 3.95 3.94 3.93 4.00 3.99 3.97 55 4.24 4.23 4.18 4.12 4.11 4.08 4.18 4.17 4.13 60 4.50 4.47 4.39 4.34 4.33 4.28 4.42 4.40 4.34 65 4.83 4.79 4.65 4.64 4.61 4.52 4.74 4.70 4.59 70 5.27 5.19 4.95 5.04 4.98 4.81 5.16 5.09 4.89 75 5.87 5.72 5.29 5.56 5.46 5.15 5.72 5.59 5.22 80 6.71 6.42 5.62 6.29 6.09 5.49 6.50 6.26 5.56 85 7.97 7.31 5.85 7.37 6.93 5.77 7.67 7.13 5.81 90 9.90 8.33 5.96 9.03 7.93 5.93 9.47 8.14 5.95 95 12.91 9.23 6.00 11.60 8.90 5.99 12.26 9.08 5.99 100 17.61 9.77 6.00 15.35 9.59 6.00 16.47 9.69 6.00 OPTION 3 - JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female 60 2.59 4.26 2.79 4.45 2.99 4.67 3.21 4.92 3.46 5.22 3.73 5.59 Age 65 2.66 4.32 2.88 4.53 3.13 4.78 3.40 5.06 3.69 5.40 4.00 5.80 70 2.71 4.37 2.97 4.60 3.26 4.89 3.58 5.21 3.93 5.60 4.33 6.06 75 2.75 4.40 3.04 4.67 3.38 4.99 3.76 5.36 4.19 5.81 4.68 6.36 80 2.78 4.43 3.09 4.72 3.46 5.07 3.91 5.51 4.44 6.04 5.06 6.68 85 2.79 4.46 3.12 4.76 3.53 5.14 4.03 5.63 4.66 6.24 5.43 7.03 Primary Annuitant Unisex Age 60 65 70 75 80 85 Unisex 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Unisex 60 2.56 4.23 2.76 4.42 2.98 4.64 3.21 4.90 3.46 5.20 3.74 5.56 Age 65 2.62 4.28 2.85 4.49 3.10 4.74 3.38 5.03 3.68 5.37 4.01 5.78 70 2.66 4.32 2.92 4.56 3.22 4.84 3.55 5.17 3.92 5.56 4.32 6.03 75 2.69 4.35 2.98 4.61 3.32 4.93 3.71 5.31 4.15 5.76 4.66 6.31 80 2.71 4.37 3.02 4.65 3.39 5.00 3.84 5.43 4.37 5.96 5.01 6.61 85 2.73 4.39 3.04 4.68 3.44 5.06 3.93 5.53 4.56 6.14 5.33 6.92 Joint and 66 2/3% Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female 60 2.52 4.19 2.68 4.34 2.83 4.50 2.98 4.67 3.13 4.86 3.28 5.08 Age 65 2.61 4.26 2.80 4.44 3.00 4.63 3.19 4.84 3.38 5.07 3.57 5.32 70 2.68 4.32 2.91 4.53 3.16 4.77 3.41 5.03 3.66 5.30 3.91 5.61 75 2.73 4.37 3.00 4.62 3.30 4.90 3.63 5.21 3.96 5.57 4.31 5.95 80 2.76 4.41 3.06 4.68 3.41 5.01 3.82 5.39 4.27 5.84 4.74 6.34 85 2.79 4.44 3.10 4.73 3.50 5.10 3.97 5.55 4.54 6.10 5.19 6.76 Joint and 100% Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female 60 2.40 4.17 2.48 4.32 2.55 4.49 2.59 4.67 2.62 4.87 2.64 5.10 Age 65 2.51 4.23 2.65 4.42 2.76 4.62 2.84 4.84 2.90 5.07 2.93 5.34 70 2.61 4.28 2.80 4.50 2.97 4.74 3.11 5.01 3.22 5.30 3.29 5.62 75 2.68 4.33 2.92 4.57 3.16 4.86 3.38 5.18 3.58 5.55 3.72 5.96 80 2.73 4.36 3.01 4.62 3.32 4.95 3.64 5.34 3.95 5.80 4.22 6.32 85 2.77 4.38 3.07 4.67 3.44 5.02 3.85 5.47 4.31 6.03 4.76 6.70 OPTION 4 - PERIOD CERTAIN ONLY Monthly Income Years 1.00% Fixed 4.00% Variable 10 8.75 10.06 11 7.99 9.31 12 7.36 8.69 13 6.83 8.17 14 6.37 7.72 15 5.98 7.34 16 5.63 7.00 17 5.33 6.71 18 5.05 6.44 19 4.81 6.21 20 4.59 6.00 21 4.40 5.81 22 4.22 5.64 23 4.05 5.49 24 3.90 5.35 25 3.76 5.22 26 3.64 5.10 27 3.52 5.00 28 3.41 4.90 29 3.31 4.80 30 3.21 4.72 28 Pacific Life Insurance Company · [700 Xxxxxxx Xxxxxx Xxxxx · Newport Beach, CA 92660] INDIVIDUAL LIMITED FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Withdrawal Charges Waived in Specific Instances Annuities Payable in Fixed and/or Variable and/or Fixed Dollar Amounts Death Benefit Proceeds Payable Before Annuity Date Non-Participating

Applicability of Rates. For the fixed Annuity Option, the Annuity Option Tables contained in the following pages illustrate the minimum guaranteed monthly income purchased per $1,000 of the net amount applied. The tables also illustrate the minimum rates for the first monthly variable annuity payment per $1,000 of the net amount applied to the variable annuity payment option. Subsequent payments may be higher or lower than the first payment, based on the investment performance of the Subaccount(s) you elect and whether you exchange Subaccount Annuity Units. For some Qualified Plans and in some states, the use of sex-distinct income factors are prohibited. For those Qualified Plans, we use blended unisex income factors for life payment options for both male and female Annuitants. Basis of Computations — The actuarial basis for the fixed Annuity Option Tables is the 2012 Individual Annuity Mortality Period Life Table with the ages set back ten (10) years with interest at an annual interest rate of 1.001%. The rates for variable annuity payments are based on an assumed investment return of 4.004% per year and the 2012 Individual Annuity Mortality Period Life Table with the ages set back ten (10) years. Rates Not Shown — Any rates and/or ages not shown in the tables contained in this Contract will be provided by the Company upon request. Annuity benefits will not be less than those that would have been provided by the application of an amount to purchase any single premium immediate annuity offered by us at the time annuity payments commence to the same class of annuitants. ANNUITY TABLES OPTIONS 1 AND 2 - LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS FIXED Male at 1% Female at 1% Unisex at 1% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 1.77 1.77 1.77 1.71 1.71 1.71 1.74 1.74 1.74 35 1.87 1.87 1.87 1.81 1.81 1.81 1.84 1.84 1.84 40 2.00 1.99 1.99 1.92 1.92 1.92 1.96 1.96 1.95 45 2.14 2.14 2.13 2.06 2.05 2.05 2.10 2.10 2.09 50 2.32 2.32 2.30 2.22 2.22 2.21 2.27 2.27 2.26 55 2.54 2.54 2.51 2.42 2.41 2.40 2.48 2.48 2.46 60 2.82 2.81 2.76 2.67 2.66 2.63 2.74 2.74 2.70 65 3.17 3.15 3.05 2.98 2.97 2.91 3.08 3.06 2.98 70 3.62 3.58 3.40 3.39 3.36 3.24 3.51 3.47 3.32 75 4.23 4.13 3.78 3.93 3.87 3.62 4.08 4.00 3.70 80 5.07 4.87 4.15 4.66 4.53 4.01 4.87 4.70 4.09 85 6.31 5.81 4.42 5.73 5.40 4.33 6.02 5.61 4.38 90 8.20 6.89 4.55 7.35 6.45 4.51 7.78 6.68 4.54 95 11.14 7.86 4.59 9.85 7.50 4.58 10.49 7.69 4.58 100 15.74 8.45 4.59 13.53 8.25 4.59 14.62 8.36 4.59 VARIABLE Male at 4% Female at 4% Unisex at 4% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 3.61 3.61 3.60 3.56 3.56 3.55 3.58 3.58 3.58 35 3.68 3.68 3.67 3.62 3.62 3.62 3.65 3.65 3.64 40 3.78 3.77 3.76 3.71 3.70 3.70 3.74 3.74 3.73 45 3.89 3.89 3.87 3.81 3.81 3.80 3.85 3.85 3.84 50 4.04 4.04 4.01 3.95 3.94 3.93 4.00 3.99 3.97 55 4.24 4.23 4.18 4.12 4.11 4.08 4.18 4.17 4.13 60 4.50 4.47 4.39 4.34 4.33 4.28 4.42 4.40 4.34 65 4.83 4.79 4.65 4.64 4.61 4.52 4.74 4.70 4.59 70 5.27 5.19 4.95 5.04 4.98 4.81 5.16 5.09 4.89 75 5.87 5.72 5.29 5.56 5.46 5.15 5.72 5.59 5.22 80 6.71 6.42 5.62 6.29 6.09 5.49 6.50 6.26 5.56 85 7.97 7.31 5.85 7.37 6.93 5.77 7.67 7.13 5.81 90 9.90 8.33 5.96 9.03 7.93 5.93 9.47 8.14 5.95 95 12.91 9.23 6.00 11.60 8.90 5.99 12.26 9.08 5.99 100 17.61 9.77 6.00 15.35 9.59 6.00 16.47 9.69 6.00 OPTION 3 - JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Female Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 2.59 4.26 2.79 4.45 2.99 4.67 3.21 4.92 3.46 5.22 3.73 5.59 65 2.66 4.32 2.88 4.53 3.13 4.78 3.40 5.06 3.69 5.40 4.00 5.80 70 2.71 4.37 2.97 4.60 3.26 4.89 3.58 5.21 3.93 5.60 4.33 6.06 75 2.75 4.40 3.04 4.67 3.38 4.99 3.76 5.36 4.19 5.81 4.68 6.36 80 2.78 4.43 3.09 4.72 3.46 5.07 3.91 5.51 4.44 6.04 5.06 6.68 85 2.79 4.46 3.12 4.76 3.53 5.14 4.03 5.63 4.66 6.24 5.43 7.03 Primary Annuitant Unisex Age 60 65 70 75 80 85 Unisex 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Unisex Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 2.56 4.23 2.76 4.42 2.98 4.64 3.21 4.90 3.46 5.20 3.74 5.56 65 2.62 4.28 2.85 4.49 3.10 4.74 3.38 5.03 3.68 5.37 4.01 5.78 70 2.66 4.32 2.92 4.56 3.22 4.84 3.55 5.17 3.92 5.56 4.32 6.03 75 2.69 4.35 2.98 4.61 3.32 4.93 3.71 5.31 4.15 5.76 4.66 6.31 80 2.71 4.37 3.02 4.65 3.39 5.00 3.84 5.43 4.37 5.96 5.01 6.61 85 2.73 4.39 3.04 4.68 3.44 5.06 3.93 5.53 4.56 6.14 5.33 6.92 Joint and 66 2/3% Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Female Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 2.52 4.19 2.68 4.34 2.83 4.50 2.98 4.67 3.13 4.86 3.28 5.08 65 2.61 4.26 2.80 4.44 3.00 4.63 3.19 4.84 3.38 5.07 3.57 5.32 70 2.68 4.32 2.91 4.53 3.16 4.77 3.41 5.03 3.66 5.30 3.91 5.61 75 2.73 4.37 3.00 4.62 3.30 4.90 3.63 5.21 3.96 5.57 4.31 5.95 80 2.76 4.41 3.06 4.68 3.41 5.01 3.82 5.39 4.27 5.84 4.74 6.34 85 2.79 4.44 3.10 4.73 3.50 5.10 3.97 5.55 4.54 6.10 5.19 6.76 Joint and 100% Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Female Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 2.40 4.17 2.48 4.32 2.55 4.49 2.59 4.67 2.62 4.87 2.64 5.10 65 2.51 4.23 2.65 4.42 2.76 4.62 2.84 4.84 2.90 5.07 2.93 5.34 70 2.61 4.28 2.80 4.50 2.97 4.74 3.11 5.01 3.22 5.30 3.29 5.62 75 2.68 4.33 2.92 4.57 3.16 4.86 3.38 5.18 3.58 5.55 3.72 5.96 80 2.73 4.36 3.01 4.62 3.32 4.95 3.64 5.34 3.95 5.80 4.22 6.32 85 2.77 4.38 3.07 4.67 3.44 5.02 3.85 5.47 4.31 6.03 4.76 6.70 OPTION 4 - PERIOD CERTAIN ONLY Monthly Income Years 1.00% Fixed 4.00% Variable 10 8.75 10.06 11 7.99 9.31 12 7.36 8.69 13 6.83 8.17 14 6.37 7.72 15 5.98 7.34 16 5.63 7.00 17 5.33 6.71 18 5.05 6.44 19 4.81 6.21 20 4.59 6.00 21 4.40 5.81 22 4.22 5.64 23 4.05 5.49 24 3.90 5.35 25 3.76 5.22 26 3.64 5.10 27 3.52 5.00 28 3.41 4.90 29 3.31 4.80 30 3.21 4.72 28 Pacific Life Insurance & Annuity Company · [700 000 Xxxxxxx Xxxxxx Xxxxx · Newport BeachXxxxxxx Xxxxx, CA 92660] XX 00000 INDIVIDUAL LIMITED FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Withdrawal Charges Waived in Specific Instances Annuities Payable in Variable and/or and Fixed Dollar Amounts Death Benefit Proceeds Payable Before Annuity Date Non-Participating

Applicability of Rates. For the fixed Annuity Option, the Annuity Option Tables contained in the following pages illustrate the minimum guaranteed monthly income purchased per $1,000 of the net amount applied. The tables also illustrate the minimum rates for the first monthly variable annuity payment per $1,000 of the net amount applied to the variable annuity payment option. Subsequent payments may be higher or lower than the first payment, based on the investment performance of the Subaccount(s) you elect and whether you exchange Subaccount Annuity Units. For some Qualified Plans and in some states, the use of sex-distinct income factors are prohibited. For those Qualified Plans, we use blended unisex income factors for life payment options for both male and female Annuitants. Basis of Computations — The actuarial basis for the fixed Annuity Option Tables is the 2012 Individual Annuity Mortality Period Life Table with the ages set back ten (10) years with interest at an annual interest rate of 1.001%. The rates for variable annuity payments are based on an assumed investment return of 4.004% per year and the 2012 Individual Annuity Mortality Period Life Table with the ages set back ten (10) years. Rates Not Shown — Any rates and/or ages not shown in the tables contained in this Contract will be provided by the Company upon request. Annuity benefits will not be less than those that would have been provided by the application of an amount to purchase any single premium immediate annuity offered by us at the time annuity payments commence to the same class of annuitants. ANNUITY TABLES OPTIONS 1 AND 2 - LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS FIXED Male at 1% Female at 1% Unisex at 1% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 1.77 1.77 1.77 1.71 1.71 1.71 1.74 1.74 1.74 35 1.87 1.87 1.87 1.81 1.81 1.81 1.84 1.84 1.84 40 2.00 1.99 1.99 1.92 1.92 1.92 1.96 1.96 1.95 45 2.14 2.14 2.13 2.06 2.05 2.05 2.10 2.10 2.09 50 2.32 2.32 2.30 2.22 2.22 2.21 2.27 2.27 2.26 55 2.54 2.54 2.51 2.42 2.41 2.40 2.48 2.48 2.46 60 2.82 2.81 2.76 2.67 2.66 2.63 2.74 2.74 2.70 65 3.17 3.15 3.05 2.98 2.97 2.91 3.08 3.06 2.98 70 3.62 3.58 3.40 3.39 3.36 3.24 3.51 3.47 3.32 75 4.23 4.13 3.78 3.93 3.87 3.62 4.08 4.00 3.70 80 5.07 4.87 4.15 4.66 4.53 4.01 4.87 4.70 4.09 85 6.31 5.81 4.42 5.73 5.40 4.33 6.02 5.61 4.38 90 8.20 6.89 4.55 7.35 6.45 4.51 7.78 6.68 4.54 95 11.14 7.86 4.59 9.85 7.50 4.58 10.49 7.69 4.58 100 15.74 8.45 4.59 13.53 8.25 4.59 14.62 8.36 4.59 VARIABLE Male at 4% Female at 4% Unisex at 4% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 3.61 3.61 3.60 3.56 3.56 3.55 3.58 3.58 3.58 35 3.68 3.68 3.67 3.62 3.62 3.62 3.65 3.65 3.64 40 3.78 3.77 3.76 3.71 3.70 3.70 3.74 3.74 3.73 45 3.89 3.89 3.87 3.81 3.81 3.80 3.85 3.85 3.84 50 4.04 4.04 4.01 3.95 3.94 3.93 4.00 3.99 3.97 55 4.24 4.23 4.18 4.12 4.11 4.08 4.18 4.17 4.13 60 4.50 4.47 4.39 4.34 4.33 4.28 4.42 4.40 4.34 65 4.83 4.79 4.65 4.64 4.61 4.52 4.74 4.70 4.59 70 5.27 5.19 4.95 5.04 4.98 4.81 5.16 5.09 4.89 75 5.87 5.72 5.29 5.56 5.46 5.15 5.72 5.59 5.22 80 6.71 6.42 5.62 6.29 6.09 5.49 6.50 6.26 5.56 85 7.97 7.31 5.85 7.37 6.93 5.77 7.67 7.13 5.81 90 9.90 8.33 5.96 9.03 7.93 5.93 9.47 8.14 5.95 95 12.91 9.23 6.00 11.60 8.90 5.99 12.26 9.08 5.99 100 17.61 9.77 6.00 15.35 9.59 6.00 16.47 9.69 6.00 OPTION 3 - JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 2.59 4.26 2.79 4.45 2.99 4.67 3.21 4.92 3.46 5.22 3.73 5.59 65 2.66 4.32 2.88 4.53 3.13 4.78 3.40 5.06 3.69 5.40 4.00 5.80 70 2.71 4.37 2.97 4.60 3.26 4.89 3.58 5.21 3.93 5.60 4.33 6.06 75 2.75 4.40 3.04 4.67 3.38 4.99 3.76 5.36 4.19 5.81 4.68 6.36 80 2.78 4.43 3.09 4.72 3.46 5.07 3.91 5.51 4.44 6.04 5.06 6.68 85 2.79 4.46 3.12 4.76 3.53 5.14 4.03 5.63 4.66 6.24 5.43 7.03 Primary Annuitant Unisex Age 60 65 70 75 80 85 Unisex 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 2.56 4.23 2.76 4.42 2.98 4.64 3.21 4.90 3.46 5.20 3.74 5.56 65 2.62 4.28 2.85 4.49 3.10 4.74 3.38 5.03 3.68 5.37 4.01 5.78 70 2.66 4.32 2.92 4.56 3.22 4.84 3.55 5.17 3.92 5.56 4.32 6.03 75 2.69 4.35 2.98 4.61 3.32 4.93 3.71 5.31 4.15 5.76 4.66 6.31 80 2.71 4.37 3.02 4.65 3.39 5.00 3.84 5.43 4.37 5.96 5.01 6.61 85 2.73 4.39 3.04 4.68 3.44 5.06 3.93 5.53 4.56 6.14 5.33 6.92 Joint and 66 2/3% Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 2.52 4.19 2.68 4.34 2.83 4.50 2.98 4.67 3.13 4.86 3.28 5.08 65 2.61 4.26 2.80 4.44 3.00 4.63 3.19 4.84 3.38 5.07 3.57 5.32 70 2.68 4.32 2.91 4.53 3.16 4.77 3.41 5.03 3.66 5.30 3.91 5.61 75 2.73 4.37 3.00 4.62 3.30 4.90 3.63 5.21 3.96 5.57 4.31 5.95 80 2.76 4.41 3.06 4.68 3.41 5.01 3.82 5.39 4.27 5.84 4.74 6.34 85 2.79 4.44 3.10 4.73 3.50 5.10 3.97 5.55 4.54 6.10 5.19 6.76 Joint and 100% Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 2.40 4.17 2.48 4.32 2.55 4.49 2.59 4.67 2.62 4.87 2.64 5.10 65 2.51 4.23 2.65 4.42 2.76 4.62 2.84 4.84 2.90 5.07 2.93 5.34 70 2.61 4.28 2.80 4.50 2.97 4.74 3.11 5.01 3.22 5.30 3.29 5.62 75 2.68 4.33 2.92 4.57 3.16 4.86 3.38 5.18 3.58 5.55 3.72 5.96 80 2.73 4.36 3.01 4.62 3.32 4.95 3.64 5.34 3.95 5.80 4.22 6.32 85 2.77 4.38 3.07 4.67 3.44 5.02 3.85 5.47 4.31 6.03 4.76 6.70 OPTION 4 - PERIOD CERTAIN ONLY Monthly Income Years 1.00% Fixed 4.00% Variable 10 8.75 10.06 11 7.99 9.31 12 7.36 8.69 13 6.83 8.17 14 6.37 7.72 15 5.98 7.34 16 5.63 7.00 17 5.33 6.71 18 5.05 6.44 19 4.81 6.21 20 4.59 6.00 21 4.40 5.81 22 4.22 5.64 23 4.05 5.49 24 3.90 5.35 25 3.76 5.22 26 3.64 5.10 27 3.52 5.00 28 3.41 4.90 29 3.31 4.80 30 3.21 4.72 28 Pacific Life Insurance & Annuity Company · [700 Xxxxxxx Xxxxxx Xxxxx · Newport Beach, CA 92660] INDIVIDUAL LIMITED PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Withdrawal Charges Waived in Specific Instances Annuities Payable in Variable and/or Fixed Dollar Amounts Death Benefit Proceeds Payable Before Annuity Date Non-Participating

Applicability of Rates. For the fixed Annuity Option, the Annuity Option Tables contained in the following pages illustrate the minimum guaranteed monthly income purchased per $1,000 of the net amount applied. The tables also illustrate the minimum rates for the first monthly variable annuity payment per $1,000 of the net amount applied to the variable annuity payment option. Subsequent payments may be higher or lower than the first payment, based on the investment performance of the Subaccount(s) you elect and whether you exchange Subaccount Annuity Units. For some Qualified Plans and in some states, the use of sexgender-distinct income factors are prohibited. For those Qualified Plans, we use blended unisex income factors for life payment options for both male and female Annuitants. Basis of Computations — The actuarial basis for the fixed Annuity Option Tables is the 2012 Individual [Annuity 2000 Mortality Period Life Table with the ages set back ten (10) years with an annual interest rate of 1.00%]. The rates for variable annuity payments are based on an assumed investment return of [4.00% per year and the 2012 Individual Annuity 2000 Mortality Period Life Table with the ages set back ten (10) years]. Rates Not Shown — Any rates and/or ages not shown in the tables contained in this Contract will be provided by the Company upon request. Annuity benefits will not be less than those that would have been provided by the application of an amount to purchase any single premium immediate annuity offered by us at the time annuity payments commence to the same class of annuitants. ANNUITY TABLES OPTIONS 1 AND 2 - LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS FIXED Fixed Annuity Rates Male at 11.00% Female at 11.00% Unisex at 11.00% Life with Life with Life with Guaranteed Period Guaranteed Period Guaranteed Life Period Certain Life Period Certain Certain Life Period Certain Life Life Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 1.77 1.77 1.77 1.71 1.71 1.71 1.82 1.82 1.82 1.74 1.74 1.74 1.78 1.78 1.78 35 1.87 1.87 1.87 1.81 1.81 1.81 1.93 1.93 1.93 1.84 1.84 1.84 1.89 1.89 1.88 40 2.00 1.99 1.99 1.92 1.92 1.92 2.07 2.07 2.06 1.96 1.96 1.95 2.01 2.01 2.01 45 2.14 2.14 2.13 2.06 2.05 2.05 2.23 2.23 2.22 2.10 2.10 2.09 2.17 2.16 2.16 50 2.32 2.32 2.30 2.22 2.22 2.21 2.43 2.42 2.40 2.27 2.27 2.26 2.35 2.35 2.33 55 2.54 2.54 2.51 2.42 2.41 2.40 2.68 2.67 2.63 2.48 2.48 2.46 2.58 2.57 2.54 60 2.82 2.81 2.76 2.67 2.66 2.63 2.74 2.98 2.97 2.89 2.75 2.74 2.70 2.87 2.85 2.80 65 3.17 3.15 3.05 2.98 2.97 2.91 3.37 3.34 3.20 3.08 3.06 2.98 2.99 3.23 3.20 3.10 70 3.62 3.58 3.40 3.39 3.36 3.24 3.51 3.47 3.32 3.89 3.82 3.55 3.52 3.49 3.34 3.70 3.65 3.45 75 4.58 4.43 3.90 4.11 4.03 3.72 4.34 4.23 4.13 3.78 3.93 3.87 3.62 4.08 4.00 3.70 3.82 80 5.07 4.87 4.15 4.66 5.54 5.20 4.21 4.93 4.75 4.09 5.23 4.98 4.16 85 6.87 6.08 4.43 6.12 5.66 4.37 6.49 5.87 4.40 90 8.72 6.99 4.54 7.88 6.70 4.52 8.29 6.85 4.53 4.01 4.87 4.70 4.09 85 6.31 5.81 4.42 5.73 5.40 4.33 6.02 5.61 4.38 90 8.20 6.89 4.55 7.35 6.45 4.51 7.78 6.68 4.54 95 11.14 7.86 4.59 9.85 7.50 11.30 7.77 4.58 10.49 7.69 10.50 7.63 4.58 100 15.74 8.45 4.59 13.53 8.25 4.59 14.62 8.36 4.59 VARIABLE 10.89 7.70 4.58 Variable Annuity Rates Male at 44.00% Female at 44.00% Unisex at 44.00% Life with Life with Life with Guaranteed Period Guaranteed Period Guaranteed Life Period Certain Life Period Certain Certain Life Period Certain Life Life Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 3.65 3.64 3.64 3.58 3.58 3.57 3.61 3.61 3.60 3.56 3.56 3.55 3.58 3.58 3.58 35 3.68 3.68 3.67 3.62 3.62 3.62 3.73 3.73 3.72 3.65 3.65 3.64 3.69 3.69 3.68 40 3.84 3.83 3.82 3.74 3.73 3.73 3.79 3.78 3.77 3.76 3.71 3.70 3.70 3.74 3.74 3.73 45 3.89 3.89 3.87 3.81 3.81 3.80 3.85 3.97 3.97 3.94 3.85 3.84 3.83 3.91 3.91 3.89 50 4.04 4.04 4.01 3.95 3.94 3.93 4.00 4.15 4.14 4.10 3.99 3.99 3.97 4.07 4.06 4.04 55 4.24 4.23 4.18 4.12 4.11 4.08 4.38 4.36 4.29 4.18 4.17 4.13 4.28 4.27 4.22 60 4.50 4.47 4.39 4.34 4.33 4.28 4.67 4.64 4.52 4.42 4.40 4.34 4.55 4.52 4.44 65 4.83 4.79 4.65 4.64 4.61 4.52 5.05 4.99 4.80 4.74 4.70 4.59 4.60 4.90 4.85 4.70 70 5.27 5.19 4.95 5.04 4.98 4.81 5.56 5.44 5.10 5.16 5.09 4.89 5.10 4.90 5.36 5.28 5.00 75 5.87 5.72 5.29 5.56 5.46 5.15 5.72 5.59 5.22 6.27 6.04 5.41 5.75 5.63 5.24 6.01 5.83 5.33 80 6.71 6.42 7.25 6.77 5.67 6.57 6.32 5.57 6.91 6.54 5.62 6.29 6.09 5.49 6.50 6.26 5.56 85 7.97 7.31 5.85 7.37 6.93 5.77 7.67 7.13 8.61 7.60 5.86 7.79 7.19 5.81 8.20 7.40 5.83 90 9.90 8.33 10.52 8.44 5.96 9.03 7.93 5.93 9.47 8.14 9.60 8.16 5.94 10.05 8.30 5.95 95 12.91 9.23 6.00 11.60 8.90 13.16 9.16 5.99 12.26 9.08 12.30 9.03 5.99 100 17.61 9.77 6.00 15.35 9.59 6.00 16.47 9.69 6.00 12.73 9.09 5.99 OPTION 3 - JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 2.59 4.26 2.79 4.45 2.99 2.70 4.38 2.91 4.58 3.13 4.82 3.37 5.11 3.63 5.44 3.90 5.80 65 2.78 4.44 3.02 4.67 3.21 4.92 3.46 5.22 3.73 5.59 65 2.66 4.32 2.88 4.53 3.13 4.78 3.40 5.06 3.69 5.40 4.00 5.80 3.28 4.94 3.57 5.27 3.88 5.63 4.20 6.04 70 2.71 4.37 2.97 4.60 3.26 4.89 3.58 5.21 3.93 5.60 4.33 6.06 75 2.75 4.40 3.04 4.67 3.38 4.99 3.76 5.36 4.19 5.81 4.68 6.36 80 2.78 4.43 3.09 4.72 3.46 5.07 3.91 5.51 4.44 6.04 5.06 6.68 85 2.79 4.46 2.84 4.50 3.12 4.76 3.53 5.14 4.03 5.63 4.66 6.24 5.43 7.03 3.43 5.07 3.78 5.44 4.16 5.86 4.56 6.33 75 2.89 4.55 3.20 4.84 3.57 5.19 3.99 5.62 4.46 6.12 4.95 6.67 80 2.93 4.59 3.27 4.91 3.68 5.30 4.17 5.79 4.74 6.38 5.37 7.05 85 2.95 4.62 3.31 4.96 3.76 5.39 4.32 5.94 5.00 6.63 5.79 7.44 Primary Annuitant Unisex Age Unisex Age 60 65 70 75 80 85 Unisex 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 2.56 2.66 4.33 2.87 4.53 3.11 4.78 3.36 5.06 3.64 5.40 3.93 5.79 65 2.72 4.38 2.97 4.61 3.24 4.89 3.55 5.21 3.88 5.59 4.23 2.76 6.03 70 2.77 4.42 2.98 3.05 4.68 3.37 4.99 3.73 5.37 4.14 5.81 4.57 6.31 75 2.80 4.46 3.11 4.75 3.47 5.09 3.90 5.52 4.40 6.03 4.94 6.63 80 2.83 4.49 3.15 4.79 3.56 5.18 4.05 5.66 4.64 3.21 4.90 3.46 5.20 3.74 5.56 65 2.62 4.28 2.85 4.49 3.10 4.74 3.38 5.03 3.68 5.37 4.01 6.25 5.32 6.96 85 2.84 4.51 3.18 4.83 3.61 5.24 4.16 5.78 70 2.66 4.32 2.92 4.56 3.22 4.84 3.55 5.17 3.92 5.56 4.32 6.03 75 2.69 4.35 2.98 4.61 3.32 4.93 3.71 5.31 4.15 5.76 4.66 6.31 80 2.71 4.37 3.02 4.65 3.39 5.00 3.84 5.43 4.37 5.96 5.01 6.61 85 2.73 4.39 3.04 4.68 3.44 5.06 3.93 5.53 4.56 6.14 5.33 6.92 6.45 5.66 7.29 Joint and 66 2/3% Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 2.52 4.19 2.68 4.34 2.83 4.50 2.98 2.62 4.29 2.78 4.44 2.94 4.62 3.10 4.81 3.26 5.02 3.40 5.23 65 2.72 4.37 2.92 4.56 3.12 4.77 3.33 5.00 3.53 5.24 3.72 5.50 70 2.80 4.45 3.04 4.67 3.13 3.31 4.93 3.58 5.21 3.84 5.51 4.10 5.82 75 2.86 4.51 3.15 4.77 3.47 5.08 3.82 5.43 4.18 5.81 4.53 6.20 80 2.91 4.56 3.23 4.86 3.28 5.08 65 2.61 4.26 2.80 4.44 3.00 4.63 3.19 4.84 3.38 5.07 3.57 5.32 70 2.68 4.32 2.91 3.61 5.22 4.05 5.65 4.53 3.16 4.77 3.41 5.03 3.66 5.30 3.91 5.61 75 2.73 4.37 3.00 4.62 3.30 4.90 3.63 5.21 3.96 5.57 4.31 5.95 80 2.76 4.41 3.06 4.68 3.41 6.13 5.01 3.82 5.39 4.27 6.65 85 2.94 4.60 3.29 4.93 3.72 5.34 4.24 5.84 4.74 6.34 85 2.79 4.44 3.10 4.73 3.50 5.10 3.97 5.55 4.54 6.10 5.19 6.76 4.85 6.45 5.50 7.12 Joint and 100% Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 2.40 4.17 2.48 4.32 2.47 4.11 2.55 4.49 2.59 4.67 4.19 2.62 4.26 2.67 4.31 2.70 4.35 2.72 4.37 65 2.60 4.23 2.73 4.35 2.85 4.45 2.93 4.54 2.99 4.61 3.03 4.65 70 2.71 4.34 2.90 4.50 3.08 4.66 3.22 4.80 3.33 4.92 3.41 5.01 75 2.81 4.43 3.05 4.65 3.30 4.87 2.64 5.10 65 2.51 4.23 2.65 4.42 2.76 4.62 2.84 4.84 2.90 3.53 5.09 3.73 5.29 3.87 5.44 80 2.87 4.51 3.16 4.77 3.49 5.07 2.93 5.34 70 2.61 4.28 2.80 4.50 2.97 4.74 3.11 5.01 3.22 5.30 3.29 5.62 75 2.68 4.33 3.83 5.38 4.15 5.69 4.41 5.96 85 2.92 4.57 3.16 4.86 3.38 5.18 3.58 5.55 3.72 5.96 80 2.73 4.36 3.01 4.62 3.32 4.95 3.25 4.87 3.64 5.34 3.95 5.80 4.22 6.32 85 2.77 4.38 3.07 4.67 3.44 5.02 3.85 5.47 4.31 6.03 4.76 6.70 5.23 4.09 5.65 4.56 6.11 5.01 6.55 OPTION 4 - PERIOD CERTAIN ONLY Monthly Income Years 1.00% Fixed 4.00% Years Fixed Variable 10 8.75 10.06 11 7.99 9.31 12 7.36 8.69 13 6.83 8.17 14 6.37 7.72 15 5.98 7.34 16 5.63 7.00 17 5.33 6.71 18 5.05 6.44 19 4.81 6.21 20 4.59 6.00 21 4.40 5.81 22 4.22 5.64 23 4.05 5.49 24 3.90 5.35 25 3.76 5.22 26 3.64 5.10 27 3.52 5.00 28 3.41 4.90 29 3.31 4.80 30 3.21 4.72 28 ] Pacific Life Insurance Company · [700 Xxxxxxx Xxxxxx Xxxxx · Newport Beach, CA 92660] INDIVIDUAL LIMITED FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Withdrawal Charges Waived in Specific Instances Annuities Payable in Fixed and/or Variable and/or Fixed Dollar Amounts Death Benefit Proceeds Payable Before Annuity Date Non-Participating

Applicability of Rates. For the fixed Annuity Option, the Annuity Option Tables contained in the following pages illustrate the minimum guaranteed monthly income purchased per $1,000 of the net amount applied. The tables also illustrate the minimum rates for the first monthly variable annuity payment Variable Annuity Payment per $1,000 of the net amount applied to the variable annuity payment Variable Annuity Payment option. Subsequent payments may be higher or lower than the first payment, based on the investment performance of the Subaccount(s) you elect and whether you exchange Subaccount Annuity Units. For some Qualified Plans and in some states, the use of sex-distinct income factors are is prohibited. For those Qualified Plans, we use blended unisex income factors for life payment options Life Annuity Options for both male and female all Annuitants. Basis of Computations — The actuarial basis for the fixed Annuity Option Tables is the [2012 Individual Annuity Mortality Period Life Table with the ages set back ten (10) years ] with an annual interest rate of [1.00%]. The rates for variable annuity payments Variable Annuity Payments are based on an assumed investment return of [4.00% %] per year and the [2012 Individual Annuity Mortality Period Life Table with the ages set back ten (10) years]. Rates Not Shown — Any rates and/or ages not shown in the tables contained in this Contract will be provided by the Company upon request. Annuity benefits will not be less than those that would have been provided by the application of an amount to purchase any single premium immediate annuity offered by us at the time annuity payments commence to the same class of annuitantsAnnuitants. ANNUITY TABLES OPTIONS 1 AND 2 - [ LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS FIXED Male at 1% Female at 1% Unisex at 1% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 1.77 1.77 1.77 1.71 1.71 1.71 1.74 1.74 1.74 35 1.87 1.87 1.87 1.81 1.81 1.81 1.84 1.84 1.84 40 2.00 1.99 1.99 1.92 1.92 1.92 1.96 1.96 1.95 45 2.14 2.14 2.13 2.06 2.05 2.05 2.10 2.10 2.09 50 2.32 2.32 2.30 2.22 2.22 2.21 2.27 2.27 2.26 55 2.54 2.54 2.51 2.42 2.41 2.40 2.48 2.48 2.46 60 2.82 2.81 2.76 2.67 2.66 2.63 2.74 2.74 2.70 65 3.17 3.15 3.05 2.98 2.97 2.91 3.08 3.06 2.98 70 3.62 3.58 3.40 3.39 3.36 3.24 3.51 3.47 3.32 75 4.23 4.13 3.78 3.93 3.87 3.62 4.08 4.00 3.70 80 5.07 4.87 4.15 4.66 4.53 4.01 4.87 4.70 4.09 85 6.31 5.81 4.42 5.73 5.40 4.33 6.02 5.61 4.38 90 8.20 6.89 4.55 7.35 6.45 4.51 7.78 6.68 4.54 95 11.14 7.86 4.59 9.85 7.50 4.58 10.49 7.69 4.58 100 15.74 8.45 4.59 13.53 8.25 4.59 14.62 8.36 4.59 VARIABLE Male at 4% Female at 4% Unisex at 4% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 3.61 3.61 3.60 3.56 3.56 3.55 3.58 3.58 3.58 35 3.68 3.68 3.67 3.62 3.62 3.62 3.65 3.65 3.64 40 3.78 3.77 3.76 3.71 3.70 3.70 3.74 3.74 3.73 45 3.89 3.89 3.87 3.81 3.81 3.80 3.85 3.85 3.84 50 4.04 4.04 4.01 3.95 3.94 3.93 4.00 3.99 3.97 55 4.24 4.23 4.18 4.12 4.11 4.08 4.18 4.17 4.13 60 4.50 4.47 4.39 4.34 4.33 4.28 4.42 4.40 4.34 65 4.83 4.79 4.65 4.64 4.61 4.52 4.74 4.70 4.59 70 5.27 5.19 4.95 5.04 4.98 4.81 5.16 5.09 4.89 75 5.87 5.72 5.29 5.56 5.46 5.15 5.72 5.59 5.22 80 6.71 6.42 5.62 6.29 6.09 5.49 6.50 6.26 5.56 85 7.97 7.31 5.85 7.37 6.93 5.77 7.67 7.13 5.81 90 9.90 8.33 5.96 9.03 7.93 5.93 9.47 8.14 5.95 95 12.91 9.23 6.00 11.60 8.90 5.99 12.26 9.08 5.99 100 17.61 9.77 6.00 15.35 9.59 6.00 16.47 9.69 6.00 OPTION 3 - JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 2.59 4.26 2.79 4.45 2.99 4.67 3.21 4.92 3.46 5.22 3.73 5.59 65 2.66 4.32 2.88 4.53 3.13 4.78 3.40 5.06 3.69 5.40 4.00 5.80 70 2.71 4.37 2.97 4.60 3.26 4.89 3.58 5.21 3.93 5.60 4.33 6.06 75 2.75 4.40 3.04 4.67 3.38 4.99 3.76 5.36 4.19 5.81 4.68 6.36 80 2.78 4.43 3.09 4.72 3.46 5.07 3.91 5.51 4.44 6.04 5.06 6.68 85 2.79 4.46 3.12 4.76 3.53 5.14 4.03 5.63 4.66 6.24 5.43 7.03 Primary Annuitant Unisex Age 60 65 70 75 80 85 Unisex 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Unisex Age 60 2.56 4.23 2.76 4.42 2.98 4.64 3.21 4.90 3.46 5.20 3.74 5.56 65 2.62 4.28 2.85 4.49 3.10 4.74 3.38 5.03 3.68 5.37 4.01 5.78 70 2.66 4.32 2.92 4.56 3.22 4.84 3.55 5.17 3.92 5.56 4.32 6.03 75 2.69 4.35 2.98 4.61 3.32 4.93 3.71 5.31 4.15 5.76 4.66 6.31 80 2.71 4.37 3.02 4.65 3.39 5.00 3.84 5.43 4.37 5.96 5.01 6.61 85 2.73 4.39 3.04 4.68 3.44 5.06 3.93 5.53 4.56 6.14 5.33 6.92 Joint and 66 2/3% Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 2.52 4.19 2.68 4.34 2.83 4.50 2.98 4.67 3.13 4.86 3.28 5.08 65 2.61 4.26 2.80 4.44 3.00 4.63 3.19 4.84 3.38 5.07 3.57 5.32 70 2.68 4.32 2.91 4.53 3.16 4.77 3.41 5.03 3.66 5.30 3.91 5.61 75 2.73 4.37 3.00 4.62 3.30 4.90 3.63 5.21 3.96 5.57 4.31 5.95 80 2.76 4.41 3.06 4.68 3.41 5.01 3.82 5.39 4.27 5.84 4.74 6.34 85 2.79 4.44 3.10 4.73 3.50 5.10 3.97 5.55 4.54 6.10 5.19 6.76 Joint and 100% Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 2.40 4.17 2.48 4.32 2.55 4.49 2.59 4.67 2.62 4.87 2.64 5.10 65 2.51 4.23 2.65 4.42 2.76 4.62 2.84 4.84 2.90 5.07 2.93 5.34 70 2.61 4.28 2.80 4.50 2.97 4.74 3.11 5.01 3.22 5.30 3.29 5.62 75 2.68 4.33 2.92 4.57 3.16 4.86 3.38 5.18 3.58 5.55 3.72 5.96 80 2.73 4.36 3.01 4.62 3.32 4.95 3.64 5.34 3.95 5.80 4.22 6.32 85 2.77 4.38 3.07 4.67 3.44 5.02 3.85 5.47 4.31 6.03 4.76 6.70 OPTION 4 - PERIOD CERTAIN ONLY Monthly Income Years 1.00% Fixed 4.00% Variable 10 8.75 10.06 11 7.99 9.31 12 7.36 8.69 13 6.83 8.17 14 6.37 7.72 15 5.98 7.34 16 5.63 7.00 17 5.33 6.71 18 5.05 6.44 19 4.81 6.21 20 4.59 6.00 21 4.40 5.81 22 4.22 5.64 23 4.05 5.49 24 3.90 5.35 25 3.76 5.22 26 3.64 5.10 27 3.52 5.00 28 3.41 4.90 29 3.31 4.80 30 3.21 4.72 28 ] Pacific Life Insurance Company · [700 Newport Center Drive · Xxxxxxx Xxxxxx Xxxxx · Newport BeachXxxxx, CA 92660XX 00000] INDIVIDUAL LIMITED FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Withdrawal Charges Waived in Specific Instances Annuities Payable in Fixed and/or Variable and/or Fixed Dollar Amounts Death Benefit Proceeds Payable Before Annuity Date Non-Participating

Applicability of Rates. For the fixed Annuity Option, the Annuity Option Tables contained in the following pages illustrate the minimum guaranteed monthly income purchased per $1,000 of the net amount applied. The tables also illustrate the minimum rates for the first monthly variable annuity payment per $1,000 of the net amount applied to the variable annuity payment option. Subsequent payments may be higher or lower than the first payment, based on the investment performance of the Subaccount(s) you elect and whether you exchange Subaccount Annuity Units. For some Qualified Plans and in some states, the use of sex-distinct income factors are prohibited. For those Qualified Plans, we use blended unisex unigender income factors for life payment options for both male and female Annuitants. Basis of Computations — The actuarial basis for the fixed Annuity Option Tables is the 2012 Individual Annuity Mortality Period Life Table with the ages set back ten (10) years with an annual interest rate of 1.00%. The rates for variable annuity payments are based on an assumed investment return of 4.00% per year and the 2012 Individual Annuity Mortality Period Life Table with the ages set back ten (10) years. Rates Not Shown — Any rates and/or ages not shown in the tables contained in this Contract will be provided by the Company upon request. Annuity benefits will not be less than those that would have been provided by the application of an amount to purchase any single premium immediate annuity offered by us at the time annuity payments commence to the same class of annuitants. ANNUITY TABLES OPTIONS 1 AND 2 - LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS FIXED Male at 1% Female at 1% Unisex at 1% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 1.77 1.77 1.77 1.71 1.71 1.71 1.74 1.74 1.74 35 1.87 1.87 1.87 1.81 1.81 1.81 1.84 1.84 1.84 40 2.00 1.99 1.99 1.92 1.92 1.92 1.96 1.96 1.95 45 2.14 2.14 2.13 2.06 2.05 2.05 2.10 2.10 2.09 50 2.32 2.32 2.30 2.22 2.22 2.21 2.27 2.27 2.26 55 2.54 2.54 2.51 2.42 2.41 2.40 2.48 2.48 2.46 60 2.82 2.81 2.76 2.67 2.66 2.63 2.74 2.74 2.70 65 3.17 3.15 3.05 2.98 2.97 2.91 3.08 3.06 2.98 70 3.62 3.58 3.40 3.39 3.36 3.24 3.51 3.47 3.32 75 4.23 4.13 3.78 3.93 3.87 3.62 4.08 4.00 3.70 80 5.07 4.87 4.15 4.66 4.53 4.01 4.87 4.70 4.09 85 6.31 5.81 4.42 5.73 5.40 4.33 6.02 5.61 4.38 90 8.20 6.89 4.55 7.35 6.45 4.51 7.78 6.68 4.54 95 11.14 7.86 4.59 9.85 7.50 4.58 10.49 7.69 4.58 100 15.74 8.45 4.59 13.53 8.25 4.59 14.62 8.36 4.59 VARIABLE Male at 4% Female at 4% Unisex at 4% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 3.61 3.61 3.60 3.56 3.56 3.55 3.58 3.58 3.58 35 3.68 3.68 3.67 3.62 3.62 3.62 3.65 3.65 3.64 40 3.78 3.77 3.76 3.71 3.70 3.70 3.74 3.74 3.73 45 3.89 3.89 3.87 3.81 3.81 3.80 3.85 3.85 3.84 50 4.04 4.04 4.01 3.95 3.94 3.93 4.00 3.99 3.97 55 4.24 4.23 4.18 4.12 4.11 4.08 4.18 4.17 4.13 60 4.50 4.47 4.39 4.34 4.33 4.28 4.42 4.40 4.34 65 4.83 4.79 4.65 4.64 4.61 4.52 4.74 4.70 4.59 70 5.27 5.19 4.95 5.04 4.98 4.81 5.16 5.09 4.89 75 5.87 5.72 5.29 5.56 5.46 5.15 5.72 5.59 5.22 80 6.71 6.42 5.62 6.29 6.09 5.49 6.50 6.26 5.56 85 7.97 7.31 5.85 7.37 6.93 5.77 7.67 7.13 5.81 90 9.90 8.33 5.96 9.03 7.93 5.93 9.47 8.14 5.95 95 12.91 9.23 6.00 11.60 8.90 5.99 12.26 9.08 5.99 100 17.61 9.77 6.00 15.35 9.59 6.00 16.47 9.69 6.00 OPTION 3 - JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 2.59 4.26 2.79 4.45 2.99 4.67 3.21 4.92 3.46 5.22 3.73 5.59 65 2.66 4.32 2.88 4.53 3.13 4.78 3.40 5.06 3.69 5.40 4.00 5.80 70 2.71 4.37 2.97 4.60 3.26 4.89 3.58 5.21 3.93 5.60 4.33 6.06 75 2.75 4.40 3.04 4.67 3.38 4.99 3.76 5.36 4.19 5.81 4.68 6.36 80 2.78 4.43 3.09 4.72 3.46 5.07 3.91 5.51 4.44 6.04 5.06 6.68 85 2.79 4.46 3.12 4.76 3.53 5.14 4.03 5.63 4.66 6.24 5.43 7.03 Primary Annuitant Unisex Age 60 65 70 75 80 85 Unisex 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Unisex Age 60 2.56 4.23 2.76 4.42 2.98 4.64 3.21 4.90 3.46 5.20 3.74 5.56 65 2.62 4.28 2.85 4.49 3.10 4.74 3.38 5.03 3.68 5.37 4.01 5.78 70 2.66 4.32 2.92 4.56 3.22 4.84 3.55 5.17 3.92 5.56 4.32 6.03 75 2.69 4.35 2.98 4.61 3.32 4.93 3.71 5.31 4.15 5.76 4.66 6.31 80 2.71 4.37 3.02 4.65 3.39 5.00 3.84 5.43 4.37 5.96 5.01 6.61 85 2.73 4.39 3.04 4.68 3.44 5.06 3.93 5.53 4.56 6.14 5.33 6.92 Joint and 66 2/3% Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 2.52 4.19 2.68 4.34 2.83 4.50 2.98 4.67 3.13 4.86 3.28 5.08 65 2.61 4.26 2.80 4.44 3.00 4.63 3.19 4.84 3.38 5.07 3.57 5.32 70 2.68 4.32 2.91 4.53 3.16 4.77 3.41 5.03 3.66 5.30 3.91 5.61 75 2.73 4.37 3.00 4.62 3.30 4.90 3.63 5.21 3.96 5.57 4.31 5.95 80 2.76 4.41 3.06 4.68 3.41 5.01 3.82 5.39 4.27 5.84 4.74 6.34 85 2.79 4.44 3.10 4.73 3.50 5.10 3.97 5.55 4.54 6.10 5.19 6.76 Joint and 100% Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 2.40 4.17 2.48 4.32 2.55 4.49 2.59 4.67 2.62 4.87 2.64 5.10 65 2.51 4.23 2.65 4.42 2.76 4.62 2.84 4.84 2.90 5.07 2.93 5.34 70 2.61 4.28 2.80 4.50 2.97 4.74 3.11 5.01 3.22 5.30 3.29 5.62 75 2.68 4.33 2.92 4.57 3.16 4.86 3.38 5.18 3.58 5.55 3.72 5.96 80 2.73 4.36 3.01 4.62 3.32 4.95 3.64 5.34 3.95 5.80 4.22 6.32 85 2.77 4.38 3.07 4.67 3.44 5.02 3.85 5.47 4.31 6.03 4.76 6.70 OPTION 4 - PERIOD CERTAIN ONLY Monthly Income Years 1.00% Fixed 4.00% Variable 10 8.75 10.06 11 7.99 9.31 12 7.36 8.69 13 6.83 8.17 14 6.37 7.72 15 5.98 7.34 16 5.63 7.00 17 5.33 6.71 18 5.05 6.44 19 4.81 6.21 20 4.59 6.00 21 4.40 5.81 22 4.22 5.64 23 4.05 5.49 24 3.90 5.35 25 3.76 5.22 26 3.64 5.10 27 3.52 5.00 28 3.41 4.90 29 3.31 4.80 30 3.21 4.72 28 Pacific Life Insurance Company · [700 000 Xxxxxxx Xxxxxx Xxxxx · Newport BeachXxxxxxx Xxxxx, CA 92660] XX 00000 INDIVIDUAL LIMITED PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Withdrawal Charges Waived in Specific Instances Annuities Payable in Variable and/or and Fixed Dollar Amounts Death Benefit Proceeds Payable Before Annuity Date Non-Participating

Applicability of Rates. For the fixed Annuity Option, the Annuity Option Tables contained in the following pages illustrate the minimum guaranteed monthly income purchased per $1,000 of the net amount applied. The tables also illustrate the minimum rates for the first monthly variable annuity payment per $1,000 of the net amount applied to the variable annuity payment option. Subsequent payments may be higher or lower than the first payment, based on the investment performance of the Subaccount(s) you elect and whether you exchange Subaccount Annuity Units. For some Qualified Plans and in some states, the use of sex-distinct income factors are prohibited. For those Qualified Plans, we use blended unisex income factors for life payment options for both male and female Annuitants. Basis of Computations — The actuarial basis for the fixed Annuity Option Tables is the 2012 Individual Annuity Mortality Period Life Table with the ages set back ten (10) years with an annual interest rate of 1.00%. The rates for variable annuity payments are based on an assumed investment return of 4.00% per year and the 2012 Individual Annuity Mortality Period Life Table with the ages set back ten (10) years. Rates Not Shown — Any rates and/or ages not shown in the tables contained in this Contract will be provided by the Company upon request. Annuity benefits will not be less than those that would have been provided by the application of an amount to purchase any single premium immediate annuity offered by us at the time annuity payments commence to the same class of annuitants. ANNUITY TABLES OPTIONS 1 AND 2 - LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS FIXED Male at 1% Female at 1% Unisex at 1% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 1.77 1.77 1.77 1.71 1.71 1.71 1.74 1.74 1.74 35 1.87 1.87 1.87 1.81 1.81 1.81 1.84 1.84 1.84 40 2.00 1.99 1.99 1.92 1.92 1.92 1.96 1.96 1.95 45 2.14 2.14 2.13 2.06 2.05 2.05 2.10 2.10 2.09 50 2.32 2.32 2.30 2.22 2.22 2.21 2.27 2.27 2.26 55 2.54 2.54 2.51 2.42 2.41 2.40 2.48 2.48 2.46 60 2.82 2.81 2.76 2.67 2.66 2.63 2.74 2.74 2.70 65 3.17 3.15 3.05 2.98 2.97 2.91 3.08 3.06 2.98 70 3.62 3.58 3.40 3.39 3.36 3.24 3.51 3.47 3.32 75 4.23 4.13 3.78 3.93 3.87 3.62 4.08 4.00 3.70 80 5.07 4.87 4.15 4.66 4.53 4.01 4.87 4.70 4.09 85 6.31 5.81 4.42 5.73 5.40 4.33 6.02 5.61 4.38 90 8.20 6.89 4.55 7.35 6.45 4.51 7.78 6.68 4.54 95 11.14 7.86 4.59 9.85 7.50 4.58 10.49 7.69 4.58 100 15.74 8.45 4.59 13.53 8.25 4.59 14.62 8.36 4.59 VARIABLE Male at 4% Female at 4% Unisex at 4% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 3.61 3.61 3.60 3.56 3.56 3.55 3.58 3.58 3.58 35 3.68 3.68 3.67 3.62 3.62 3.62 3.65 3.65 3.64 40 3.78 3.77 3.76 3.71 3.70 3.70 3.74 3.74 3.73 45 3.89 3.89 3.87 3.81 3.81 3.80 3.85 3.85 3.84 50 4.04 4.04 4.01 3.95 3.94 3.93 4.00 3.99 3.97 55 4.24 4.23 4.18 4.12 4.11 4.08 4.18 4.17 4.13 60 4.50 4.47 4.39 4.34 4.33 4.28 4.42 4.40 4.34 65 4.83 4.79 4.65 4.64 4.61 4.52 4.74 4.70 4.59 70 5.27 5.19 4.95 5.04 4.98 4.81 5.16 5.09 4.89 75 5.87 5.72 5.29 5.56 5.46 5.15 5.72 5.59 5.22 80 6.71 6.42 5.62 6.29 6.09 5.49 6.50 6.26 5.56 85 7.97 7.31 5.85 7.37 6.93 5.77 7.67 7.13 5.81 90 9.90 8.33 5.96 9.03 7.93 5.93 9.47 8.14 5.95 95 12.91 9.23 6.00 11.60 8.90 5.99 12.26 9.08 5.99 100 17.61 9.77 6.00 15.35 9.59 6.00 16.47 9.69 6.00 OPTION 3 - JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 2.59 4.26 2.79 4.45 2.99 4.67 3.21 4.92 3.46 5.22 3.73 5.59 65 2.66 4.32 2.88 4.53 3.13 4.78 3.40 5.06 3.69 5.40 4.00 5.80 70 2.71 4.37 2.97 4.60 3.26 4.89 3.58 5.21 3.93 5.60 4.33 6.06 75 2.75 4.40 3.04 4.67 3.38 4.99 3.76 5.36 4.19 5.81 4.68 6.36 80 2.78 4.43 3.09 4.72 3.46 5.07 3.91 5.51 4.44 6.04 5.06 6.68 85 2.79 4.46 3.12 4.76 3.53 5.14 4.03 5.63 4.66 6.24 5.43 7.03 Primary Annuitant Unisex Age 60 65 70 75 80 85 Unisex 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 2.56 4.23 2.76 4.42 2.98 4.64 3.21 4.90 3.46 5.20 3.74 5.56 65 2.62 4.28 2.85 4.49 3.10 4.74 3.38 5.03 3.68 5.37 4.01 5.78 70 2.66 4.32 2.92 4.56 3.22 4.84 3.55 5.17 3.92 5.56 4.32 6.03 75 2.69 4.35 2.98 4.61 3.32 4.93 3.71 5.31 4.15 5.76 4.66 6.31 80 2.71 4.37 3.02 4.65 3.39 5.00 3.84 5.43 4.37 5.96 5.01 6.61 85 2.73 4.39 3.04 4.68 3.44 5.06 3.93 5.53 4.56 6.14 5.33 6.92 Joint and 66 2/3% Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 2.52 4.19 2.68 4.34 2.83 4.50 2.98 4.67 3.13 4.86 3.28 5.08 65 2.61 4.26 2.80 4.44 3.00 4.63 3.19 4.84 3.38 5.07 3.57 5.32 70 2.68 4.32 2.91 4.53 3.16 4.77 3.41 5.03 3.66 5.30 3.91 5.61 75 2.73 4.37 3.00 4.62 3.30 4.90 3.63 5.21 3.96 5.57 4.31 5.95 80 2.76 4.41 3.06 4.68 3.41 5.01 3.82 5.39 4.27 5.84 4.74 6.34 85 2.79 4.44 3.10 4.73 3.50 5.10 3.97 5.55 4.54 6.10 5.19 6.76 Joint and 100% Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 2.40 4.17 2.48 4.32 2.55 4.49 2.59 4.67 2.62 4.87 2.64 5.10 65 2.51 4.23 2.65 4.42 2.76 4.62 2.84 4.84 2.90 5.07 2.93 5.34 70 2.61 4.28 2.80 4.50 2.97 4.74 3.11 5.01 3.22 5.30 3.29 5.62 75 2.68 4.33 2.92 4.57 3.16 4.86 3.38 5.18 3.58 5.55 3.72 5.96 80 2.73 4.36 3.01 4.62 3.32 4.95 3.64 5.34 3.95 5.80 4.22 6.32 85 2.77 4.38 3.07 4.67 3.44 5.02 3.85 5.47 4.31 6.03 4.76 6.70 OPTION 4 - PERIOD CERTAIN ONLY Monthly Income Years 1.00% Fixed 4.00% Variable 10 8.75 10.06 11 7.99 9.31 12 7.36 8.69 13 6.83 8.17 14 6.37 7.72 15 5.98 7.34 16 5.63 7.00 17 5.33 6.71 18 5.05 6.44 19 4.81 6.21 20 4.59 6.00 21 4.40 5.81 22 4.22 5.64 23 4.05 5.49 24 3.90 5.35 25 3.76 5.22 26 3.64 5.10 27 3.52 5.00 28 3.41 4.90 29 3.31 4.80 30 3.21 4.72 28 Pacific Life Insurance Company · [700 Xxxxxxx Nxxxxxx Xxxxxx Xxxxx · Newport Xewport Beach, CA 92660] INDIVIDUAL LIMITED FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Withdrawal Charges Waived in Specific Instances Annuities Payable in Variable and/or Fixed Dollar Amounts Death Benefit Proceeds Payable Before Annuity Date Non-Participating

Applicability of Rates. For the fixed Annuity Option, the Annuity Option Tables contained in the following pages illustrate the minimum guaranteed monthly income purchased per $1,000 of the net amount applied. The tables also illustrate the minimum rates for the first monthly variable annuity payment per $1,000 of the net amount applied to the variable annuity payment option. Subsequent payments may be higher or lower than the first payment, based on the investment performance of the Subaccount(s) you elect and whether you exchange Subaccount Annuity Units. For some Qualified Plans and in some states, the use of sex-distinct income factors are prohibited. For those Qualified Plans, we use blended unisex income factors for life payment options for both male and female Annuitants. Basis of Computations — The actuarial basis for the fixed Annuity Option Tables is the 2012 Individual Annuity Mortality Period Life Table with the ages set back ten (10) years with interest at an annual interest rate of 1.001%. The rates for variable annuity payments are based on an assumed investment return of 4.004% per year and the 2012 Individual Annuity Mortality Period Life Table with the ages set back ten (10) years. Rates Not Shown — Any rates and/or ages not shown in the tables contained in this Contract will be provided by the Company upon request. Annuity benefits will not be less than those that would have been provided by the application of an amount to purchase any single premium immediate annuity offered by us at the time annuity payments commence to the same class of annuitants. ANNUITY TABLES OPTIONS 1 AND 2 - LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS FIXED Male at 1% Female at 1% Unisex at 1% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 1.77 1.77 1.77 1.71 1.71 1.71 1.74 1.74 1.74 35 1.87 1.87 1.87 1.81 1.81 1.81 1.84 1.84 1.84 40 2.00 1.99 1.99 1.92 1.92 1.92 1.96 1.96 1.95 45 2.14 2.14 2.13 2.06 2.05 2.05 2.10 2.10 2.09 50 2.32 2.32 2.30 2.22 2.22 2.21 2.27 2.27 2.26 55 2.54 2.54 2.51 2.42 2.41 2.40 2.48 2.48 2.46 60 2.82 2.81 2.76 2.67 2.66 2.63 2.74 2.74 2.70 65 3.17 3.15 3.05 2.98 2.97 2.91 3.08 3.06 2.98 70 3.62 3.58 3.40 3.39 3.36 3.24 3.51 3.47 3.32 75 4.23 4.13 3.78 3.93 3.87 3.62 4.08 4.00 3.70 80 5.07 4.87 4.15 4.66 4.53 4.01 4.87 4.70 4.09 85 6.31 5.81 4.42 5.73 5.40 4.33 6.02 5.61 4.38 90 8.20 6.89 4.55 7.35 6.45 4.51 7.78 6.68 4.54 95 11.14 7.86 4.59 9.85 7.50 4.58 10.49 7.69 4.58 100 15.74 8.45 4.59 13.53 8.25 4.59 14.62 8.36 4.59 VARIABLE Male at 4% Female at 4% Unisex at 4% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 3.61 3.61 3.60 3.56 3.56 3.55 3.58 3.58 3.58 35 3.68 3.68 3.67 3.62 3.62 3.62 3.65 3.65 3.64 40 3.78 3.77 3.76 3.71 3.70 3.70 3.74 3.74 3.73 45 3.89 3.89 3.87 3.81 3.81 3.80 3.85 3.85 3.84 50 4.04 4.04 4.01 3.95 3.94 3.93 4.00 3.99 3.97 55 4.24 4.23 4.18 4.12 4.11 4.08 4.18 4.17 4.13 60 4.50 4.47 4.39 4.34 4.33 4.28 4.42 4.40 4.34 65 4.83 4.79 4.65 4.64 4.61 4.52 4.74 4.70 4.59 70 5.27 5.19 4.95 5.04 4.98 4.81 5.16 5.09 4.89 75 5.87 5.72 5.29 5.56 5.46 5.15 5.72 5.59 5.22 80 6.71 6.42 5.62 6.29 6.09 5.49 6.50 6.26 5.56 85 7.97 7.31 5.85 7.37 6.93 5.77 7.67 7.13 5.81 90 9.90 8.33 5.96 9.03 7.93 5.93 9.47 8.14 5.95 95 12.91 9.23 6.00 11.60 8.90 5.99 12.26 9.08 5.99 100 17.61 9.77 6.00 15.35 9.59 6.00 16.47 9.69 6.00 OPTION 3 - JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 2.59 4.26 2.79 4.45 2.99 4.67 3.21 4.92 3.46 5.22 3.73 5.59 65 2.66 4.32 2.88 4.53 3.13 4.78 3.40 5.06 3.69 5.40 4.00 5.80 70 2.71 4.37 2.97 4.60 3.26 4.89 3.58 5.21 3.93 5.60 4.33 6.06 75 2.75 4.40 3.04 4.67 3.38 4.99 3.76 5.36 4.19 5.81 4.68 6.36 80 2.78 4.43 3.09 4.72 3.46 5.07 3.91 5.51 4.44 6.04 5.06 6.68 85 2.79 4.46 3.12 4.76 3.53 5.14 4.03 5.63 4.66 6.24 5.43 7.03 Primary Annuitant Unisex Age 60 65 70 75 80 85 Unisex 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 2.56 4.23 2.76 4.42 2.98 4.64 3.21 4.90 3.46 5.20 3.74 5.56 65 2.62 4.28 2.85 4.49 3.10 4.74 3.38 5.03 3.68 5.37 4.01 5.78 70 2.66 4.32 2.92 4.56 3.22 4.84 3.55 5.17 3.92 5.56 4.32 6.03 75 2.69 4.35 2.98 4.61 3.32 4.93 3.71 5.31 4.15 5.76 4.66 6.31 80 2.71 4.37 3.02 4.65 3.39 5.00 3.84 5.43 4.37 5.96 5.01 6.61 85 2.73 4.39 3.04 4.68 3.44 5.06 3.93 5.53 4.56 6.14 5.33 6.92 Joint and 66 2/3% Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 2.52 4.19 2.68 4.34 2.83 4.50 2.98 4.67 3.13 4.86 3.28 5.08 65 2.61 4.26 2.80 4.44 3.00 4.63 3.19 4.84 3.38 5.07 3.57 5.32 70 2.68 4.32 2.91 4.53 3.16 4.77 3.41 5.03 3.66 5.30 3.91 5.61 75 2.73 4.37 3.00 4.62 3.30 4.90 3.63 5.21 3.96 5.57 4.31 5.95 80 2.76 4.41 3.06 4.68 3.41 5.01 3.82 5.39 4.27 5.84 4.74 6.34 85 2.79 4.44 3.10 4.73 3.50 5.10 3.97 5.55 4.54 6.10 5.19 6.76 Joint and 100% Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 2.40 4.17 2.48 4.32 2.55 4.49 2.59 4.67 2.62 4.87 2.64 5.10 65 2.51 4.23 2.65 4.42 2.76 4.62 2.84 4.84 2.90 5.07 2.93 5.34 70 2.61 4.28 2.80 4.50 2.97 4.74 3.11 5.01 3.22 5.30 3.29 5.62 75 2.68 4.33 2.92 4.57 3.16 4.86 3.38 5.18 3.58 5.55 3.72 5.96 80 2.73 4.36 3.01 4.62 3.32 4.95 3.64 5.34 3.95 5.80 4.22 6.32 85 2.77 4.38 3.07 4.67 3.44 5.02 3.85 5.47 4.31 6.03 4.76 6.70 OPTION 4 - PERIOD CERTAIN ONLY Monthly Income Years 1.00% Fixed 4.00% Variable 10 8.75 10.06 11 7.99 9.31 12 7.36 8.69 13 6.83 8.17 14 6.37 7.72 15 5.98 7.34 16 5.63 7.00 17 5.33 6.71 18 5.05 6.44 19 4.81 6.21 20 4.59 6.00 21 4.40 5.81 22 4.22 5.64 23 4.05 5.49 24 3.90 5.35 25 3.76 5.22 26 3.64 5.10 27 3.52 5.00 28 3.41 4.90 29 3.31 4.80 30 3.21 4.72 28 Pacific Life Insurance & Annuity Company · [700 Xxxxxxx Xxxxxx Xxxxx · Newport Beach, CA 92660] INDIVIDUAL LIMITED FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Withdrawal Charges Waived in Specific Instances Annuities Payable in Variable and/or Fixed Dollar Amounts Death Benefit Proceeds Payable Before Annuity Date Non-Participating

Applicability of Rates. For the fixed Annuity Option, the Annuity Option Tables contained in the following pages illustrate the minimum guaranteed monthly income purchased per $1,000 of the net amount applied. The tables also illustrate the minimum rates for the first monthly variable annuity payment per $1,000 of the net amount applied to the variable annuity payment option. Subsequent payments may be higher or lower than the first payment, based on the investment performance of the Subaccount(s) you elect and whether you exchange Subaccount Annuity Units. For some Qualified Plans and in some states, the use of sexgender-distinct income factors are prohibited. For those Qualified Plans, we use blended unisex income factors for life payment options for both male and female Annuitants. Basis of Computations — The actuarial basis for the fixed Annuity Option Tables is the 2012 Individual Annuity 2000 Mortality Period Life Table with the ages set back ten (10) years with an annual interest rate of 1.00%. The rates for variable annuity payments are based on an assumed investment return of 4.00% per year and the 2012 Individual Annuity 2000 Mortality Period Life Table with the ages set back ten (10) years. Rates Not Shown — Any rates and/or ages not shown in the tables contained in this Contract will be provided by the Company upon request. Annuity benefits will not be less than those that would have been provided by the application of an amount to purchase any single premium immediate annuity offered by us at the time annuity payments commence to the same class of annuitants. ANNUITY TABLES [OPTIONS 1 AND 2 - LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS FIXED Fixed Annuity Rates Male at 11.00% Female at 11.00% Unisex at 11.00% Life with Life with Guaranteed Period Certain Life Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life with Guaranteed Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 1.77 1.77 1.77 1.71 1.71 1.71 1.82 1.82 1.82 1.74 1.74 1.74 1.78 1.78 1.78 35 1.87 1.87 1.87 1.81 1.81 1.81 1.93 1.93 1.93 1.84 1.84 1.84 1.89 1.89 1.88 40 2.00 1.99 1.99 1.92 1.92 1.92 2.07 2.07 2.06 1.96 1.96 1.95 2.01 2.01 2.01 45 2.14 2.14 2.13 2.06 2.05 2.05 2.23 2.23 2.22 2.10 2.10 2.09 2.17 2.16 2.16 50 2.32 2.32 2.30 2.22 2.22 2.21 2.43 2.42 2.40 2.27 2.27 2.26 2.35 2.35 2.33 55 2.54 2.54 2.51 2.42 2.41 2.40 2.68 2.67 2.63 2.48 2.48 2.46 2.58 2.57 2.54 60 2.82 2.81 2.76 2.67 2.66 2.63 2.74 2.98 2.97 2.89 2.75 2.74 2.70 2.87 2.85 2.80 65 3.17 3.15 3.05 2.98 2.97 2.91 3.37 3.34 3.20 3.08 3.06 2.98 2.99 3.23 3.20 3.10 70 3.62 3.58 3.40 3.39 3.36 3.24 3.51 3.47 3.32 3.89 3.82 3.55 3.52 3.49 3.34 3.70 3.65 3.45 75 4.58 4.43 3.90 4.11 4.03 3.72 4.34 4.23 4.13 3.78 3.93 3.87 3.62 4.08 4.00 3.70 3.82 80 5.07 4.87 4.15 4.66 5.54 5.20 4.21 4.93 4.75 4.09 5.23 4.98 4.16 85 6.87 6.08 4.43 6.12 5.66 4.37 6.49 5.87 4.40 90 8.72 6.99 4.54 7.88 6.70 4.52 8.29 6.85 4.53 4.01 4.87 4.70 4.09 85 6.31 5.81 4.42 5.73 5.40 4.33 6.02 5.61 4.38 90 8.20 6.89 4.55 7.35 6.45 4.51 7.78 6.68 4.54 95 11.14 7.86 4.59 9.85 7.50 11.30 7.77 4.58 10.49 7.69 10.50 7.63 4.58 100 15.74 8.45 4.59 13.53 8.25 4.59 14.62 8.36 4.59 VARIABLE 10.89 7.70 4.58 Variable Annuity Rates Male at 44.00% Female at 44.00% Unisex at 44.00% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Life with Guaranteed Period Certain Life Life with Guaranteed Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 3.65 3.64 3.64 3.58 3.58 3.57 3.61 3.61 3.60 3.56 3.56 3.55 3.58 3.58 3.58 35 3.68 3.68 3.67 3.62 3.62 3.62 3.73 3.73 3.72 3.65 3.65 3.64 3.69 3.69 3.68 40 3.84 3.83 3.82 3.74 3.73 3.73 3.79 3.78 3.77 3.76 3.71 3.70 3.70 3.74 3.74 3.73 45 3.89 3.89 3.87 3.81 3.81 3.80 3.85 3.97 3.97 3.94 3.85 3.84 3.83 3.91 3.91 3.89 50 4.04 4.04 4.01 3.95 3.94 3.93 4.00 4.15 4.14 4.10 3.99 3.99 3.97 4.07 4.06 4.04 55 4.24 4.23 4.18 4.12 4.11 4.08 4.38 4.36 4.29 4.18 4.17 4.13 4.28 4.27 4.22 60 4.50 4.47 4.39 4.34 4.33 4.28 4.67 4.64 4.52 4.42 4.40 4.34 4.55 4.52 4.44 65 4.83 4.79 4.65 4.64 4.61 4.52 5.05 4.99 4.80 4.74 4.70 4.59 4.60 4.90 4.85 4.70 70 5.27 5.19 4.95 5.04 4.98 4.81 5.56 5.44 5.10 5.16 5.09 4.89 5.10 4.90 5.36 5.28 5.00 75 5.87 5.72 5.29 5.56 5.46 5.15 5.72 5.59 5.22 6.27 6.04 5.41 5.75 5.63 5.24 6.01 5.83 5.33 80 6.71 6.42 7.25 6.77 5.67 6.57 6.32 5.57 6.91 6.54 5.62 6.29 6.09 5.49 6.50 6.26 5.56 85 7.97 7.31 5.85 7.37 6.93 5.77 7.67 7.13 8.61 7.60 5.86 7.79 7.19 5.81 8.20 7.40 5.83 90 9.90 8.33 10.52 8.44 5.96 9.03 7.93 5.93 9.47 8.14 9.60 8.16 5.94 10.05 8.30 5.95 95 12.91 9.23 6.00 11.60 8.90 13.16 9.16 5.99 12.26 9.08 12.30 9.03 5.99 100 17.61 9.77 6.00 15.35 9.59 6.00 16.47 9.69 6.00 12.73 9.09 5.99 OPTION 3 - JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female 60 2.59 4.26 2.79 4.45 2.99 2.70 4.38 2.91 4.58 3.13 4.82 3.37 5.11 3.63 5.44 3.90 5.80 Age 65 2.78 4.44 3.02 4.67 3.21 4.92 3.46 5.22 3.73 5.59 65 2.66 4.32 2.88 4.53 3.13 4.78 3.40 5.06 3.69 5.40 4.00 5.80 3.28 4.94 3.57 5.27 3.88 5.63 4.20 6.04 70 2.71 4.37 2.97 4.60 3.26 4.89 3.58 5.21 3.93 5.60 4.33 6.06 75 2.75 4.40 3.04 4.67 3.38 4.99 3.76 5.36 4.19 5.81 4.68 6.36 80 2.78 4.43 3.09 4.72 3.46 5.07 3.91 5.51 4.44 6.04 5.06 6.68 85 2.79 4.46 2.84 4.50 3.12 4.76 3.53 5.14 4.03 5.63 4.66 6.24 5.43 7.03 3.43 5.07 3.78 5.44 4.16 5.86 4.56 6.33 75 2.89 4.55 3.20 4.84 3.57 5.19 3.99 5.62 4.46 6.12 4.95 6.67 80 2.93 4.59 3.27 4.91 3.68 5.30 4.17 5.79 4.74 6.38 5.37 7.05 85 2.95 4.62 3.31 4.96 3.76 5.39 4.32 5.94 5.00 6.63 5.79 7.44 Primary Annuitant Unisex Age 60 65 70 75 80 85 Unisex 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Unisex 60 2.56 2.66 4.33 2.87 4.53 3.11 4.78 3.36 5.06 3.64 5.40 3.93 5.79 Age 65 2.72 4.38 2.97 4.61 3.24 4.89 3.55 5.21 3.88 5.59 4.23 2.76 6.03 70 2.77 4.42 2.98 3.05 4.68 3.37 4.99 3.73 5.37 4.14 5.81 4.57 6.31 75 2.80 4.46 3.11 4.75 3.47 5.09 3.90 5.52 4.40 6.03 4.94 6.63 80 2.83 4.49 3.15 4.79 3.56 5.18 4.05 5.66 4.64 3.21 4.90 3.46 5.20 3.74 5.56 65 2.62 4.28 2.85 4.49 3.10 4.74 3.38 5.03 3.68 5.37 4.01 6.25 5.32 6.96 85 2.84 4.51 3.18 4.83 3.61 5.24 4.16 5.78 70 2.66 4.32 2.92 4.56 3.22 4.84 3.55 5.17 3.92 5.56 4.32 6.03 75 2.69 4.35 2.98 4.61 3.32 4.93 3.71 5.31 4.15 5.76 4.66 6.31 80 2.71 4.37 3.02 4.65 3.39 5.00 3.84 5.43 4.37 5.96 5.01 6.61 85 2.73 4.39 3.04 4.68 3.44 5.06 3.93 5.53 4.56 6.14 5.33 6.92 6.45 5.66 7.29 Joint and 66 2/3% Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female 60 2.52 4.19 2.68 4.34 2.83 4.50 2.98 2.62 4.29 2.78 4.44 2.94 4.62 3.10 4.81 3.26 5.02 3.40 5.23 Age 65 2.72 4.37 2.92 4.56 3.12 4.77 3.33 5.00 3.53 5.24 3.72 5.50 70 2.80 4.45 3.04 4.67 3.13 3.31 4.93 3.58 5.21 3.84 5.51 4.10 5.82 75 2.86 4.51 3.15 4.77 3.47 5.08 3.82 5.43 4.18 5.81 4.53 6.20 80 2.91 4.56 3.23 4.86 3.28 5.08 65 2.61 4.26 2.80 4.44 3.00 4.63 3.19 4.84 3.38 5.07 3.57 5.32 70 2.68 4.32 2.91 3.61 5.22 4.05 5.65 4.53 3.16 4.77 3.41 5.03 3.66 5.30 3.91 5.61 75 2.73 4.37 3.00 4.62 3.30 4.90 3.63 5.21 3.96 5.57 4.31 5.95 80 2.76 4.41 3.06 4.68 3.41 6.13 5.01 3.82 5.39 4.27 6.65 85 2.94 4.60 3.29 4.93 3.72 5.34 4.24 5.84 4.74 6.34 85 2.79 4.44 3.10 4.73 3.50 5.10 3.97 5.55 4.54 6.10 5.19 6.76 4.85 6.45 5.50 7.12 Joint and 100% Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female 60 2.40 4.17 2.48 4.32 2.47 4.11 2.55 4.49 2.59 4.67 4.19 2.62 4.26 2.67 4.31 2.70 4.35 2.72 4.37 Age 65 2.60 4.23 2.73 4.35 2.85 4.45 2.93 4.54 2.99 4.61 3.03 4.65 70 2.71 4.34 2.90 4.50 3.08 4.66 3.22 4.80 3.33 4.92 3.41 5.01 75 2.81 4.43 3.05 4.65 3.30 4.87 2.64 5.10 65 2.51 4.23 2.65 4.42 2.76 4.62 2.84 4.84 2.90 3.53 5.09 3.73 5.29 3.87 5.44 80 2.87 4.51 3.16 4.77 3.49 5.07 2.93 5.34 70 2.61 4.28 2.80 4.50 2.97 4.74 3.11 5.01 3.22 5.30 3.29 5.62 75 2.68 4.33 3.83 5.38 4.15 5.69 4.41 5.96 85 2.92 4.57 3.16 4.86 3.38 5.18 3.58 5.55 3.72 5.96 80 2.73 4.36 3.01 4.62 3.32 4.95 3.25 4.87 3.64 5.34 3.95 5.80 4.22 6.32 85 2.77 4.38 3.07 4.67 3.44 5.02 3.85 5.47 4.31 6.03 4.76 6.70 5.23 4.09 5.65 4.56 6.11 5.01 6.55 OPTION 4 - PERIOD CERTAIN ONLY Monthly Income Years 1.00% Fixed 4.00% Variable 10 8.75 10.06 11 7.99 9.31 12 7.36 8.69 13 6.83 8.17 14 6.37 7.72 15 5.98 7.34 16 5.63 7.00 17 5.33 6.71 18 5.05 6.44 19 4.81 6.21 20 4.59 6.00 21 4.40 5.81 22 4.22 5.64 23 4.05 5.49 24 3.90 5.35 25 3.76 5.22 26 3.64 5.10 27 3.52 5.00 28 3.41 4.90 29 3.31 4.80 30 3.21 4.72 28 ] Pacific Life Insurance Company · [700 Newport Center Drive · Xxxxxxx Xxxxxx Xxxxx · Newport BeachXxxxx, CA 92660XX 00000] INDIVIDUAL LIMITED FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Withdrawal Charges Waived in Specific Instances Annuities Payable in Fixed and/or Variable and/or Fixed Dollar Amounts Death Benefit Proceeds Payable Before Annuity Date Non-Participating

Applicability of Rates. For the fixed Annuity Option, the Annuity Option Tables contained in the following pages illustrate the minimum guaranteed monthly income purchased per $1,000 of the net amount applied. The tables also illustrate the minimum rates for the first monthly variable annuity payment Variable Annuity Payment per $1,000 of the net amount applied to the variable annuity payment Variable Annuity Payment option. Subsequent payments may be higher or lower than the first payment, based on the investment performance of the Subaccount(s) you elect and whether you exchange Subaccount Annuity Units. For some Qualified Plans and in some states, the use of sex-distinct income factors are is prohibited. For those Qualified Plans, we use blended unisex income factors for life payment options Life Annuity Options for both male and female all Annuitants. Basis of Computations — The actuarial basis for the fixed Annuity Option Tables is the 2012 Individual Annuity Mortality Period Life Table with the ages set back ten (10) years with an annual interest rate and the Basis of 1.00%Computations Interest Rate. The rates for variable annuity payments Variable Annuity Payments are based on an assumed investment return of 4.00% per year and the 2012 Individual Annuity Mortality Period Life Table with the ages set back ten (10) years. Rates Not Shown — Any rates and/or ages not shown in the tables contained in this Contract will be provided by the Company upon request. Annuity benefits will not be less than those that would have been provided by the application of an amount to purchase any single premium immediate annuity offered by us at the time annuity payments commence to the same class of annuitantsAnnuitants. ANNUITY TABLES OPTIONS 1 AND 2 - [ LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS FIXED Male at 1% Female at 1% Unisex at 1% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 1.77 1.77 1.77 1.71 1.71 1.71 1.74 1.74 1.74 35 1.87 1.87 1.87 1.81 1.81 1.81 1.84 1.84 1.84 40 2.00 1.99 1.99 1.92 1.92 1.92 1.96 1.96 1.95 45 2.14 2.14 2.13 2.06 2.05 2.05 2.10 2.10 2.09 50 2.32 2.32 2.30 2.22 2.22 2.21 2.27 2.27 2.26 55 2.54 2.54 2.51 2.42 2.41 2.40 2.48 2.48 2.46 60 2.82 2.81 2.76 2.67 2.66 2.63 2.74 2.74 2.70 65 3.17 3.15 3.05 2.98 2.97 2.91 3.08 3.06 2.98 70 3.62 3.58 3.40 3.39 3.36 3.24 3.51 3.47 3.32 75 4.23 4.13 3.78 3.93 3.87 3.62 4.08 4.00 3.70 80 5.07 4.87 4.15 4.66 4.53 4.01 4.87 4.70 4.09 85 6.31 5.81 4.42 5.73 5.40 4.33 6.02 5.61 4.38 90 8.20 6.89 4.55 7.35 6.45 4.51 7.78 6.68 4.54 95 11.14 7.86 4.59 9.85 7.50 4.58 10.49 7.69 4.58 100 15.74 8.45 4.59 13.53 8.25 4.59 14.62 8.36 4.59 VARIABLE Male at 4% Female at 4% Unisex at 4% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 3.61 3.61 3.60 3.56 3.56 3.55 3.58 3.58 3.58 35 3.68 3.68 3.67 3.62 3.62 3.62 3.65 3.65 3.64 40 3.78 3.77 3.76 3.71 3.70 3.70 3.74 3.74 3.73 45 3.89 3.89 3.87 3.81 3.81 3.80 3.85 3.85 3.84 50 4.04 4.04 4.01 3.95 3.94 3.93 4.00 3.99 3.97 55 4.24 4.23 4.18 4.12 4.11 4.08 4.18 4.17 4.13 60 4.50 4.47 4.39 4.34 4.33 4.28 4.42 4.40 4.34 65 4.83 4.79 4.65 4.64 4.61 4.52 4.74 4.70 4.59 70 5.27 5.19 4.95 5.04 4.98 4.81 5.16 5.09 4.89 75 5.87 5.72 5.29 5.56 5.46 5.15 5.72 5.59 5.22 80 6.71 6.42 5.62 6.29 6.09 5.49 6.50 6.26 5.56 85 7.97 7.31 5.85 7.37 6.93 5.77 7.67 7.13 5.81 90 9.90 8.33 5.96 9.03 7.93 5.93 9.47 8.14 5.95 95 12.91 9.23 6.00 11.60 8.90 5.99 12.26 9.08 5.99 100 17.61 9.77 6.00 15.35 9.59 6.00 16.47 9.69 6.00 OPTION 3 - JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 2.59 4.26 2.79 4.45 2.99 4.67 3.21 4.92 3.46 5.22 3.73 5.59 65 2.66 4.32 2.88 4.53 3.13 4.78 3.40 5.06 3.69 5.40 4.00 5.80 70 2.71 4.37 2.97 4.60 3.26 4.89 3.58 5.21 3.93 5.60 4.33 6.06 75 2.75 4.40 3.04 4.67 3.38 4.99 3.76 5.36 4.19 5.81 4.68 6.36 80 2.78 4.43 3.09 4.72 3.46 5.07 3.91 5.51 4.44 6.04 5.06 6.68 85 2.79 4.46 3.12 4.76 3.53 5.14 4.03 5.63 4.66 6.24 5.43 7.03 Primary Annuitant Unisex Age 60 65 70 75 80 85 Unisex 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Unisex Age 60 2.56 4.23 2.76 4.42 2.98 4.64 3.21 4.90 3.46 5.20 3.74 5.56 65 2.62 4.28 2.85 4.49 3.10 4.74 3.38 5.03 3.68 5.37 4.01 5.78 70 2.66 4.32 2.92 4.56 3.22 4.84 3.55 5.17 3.92 5.56 4.32 6.03 75 2.69 4.35 2.98 4.61 3.32 4.93 3.71 5.31 4.15 5.76 4.66 6.31 80 2.71 4.37 3.02 4.65 3.39 5.00 3.84 5.43 4.37 5.96 5.01 6.61 85 2.73 4.39 3.04 4.68 3.44 5.06 3.93 5.53 4.56 6.14 5.33 6.92 Joint and 66 2/3% Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 2.52 4.19 2.68 4.34 2.83 4.50 2.98 4.67 3.13 4.86 3.28 5.08 65 2.61 4.26 2.80 4.44 3.00 4.63 3.19 4.84 3.38 5.07 3.57 5.32 70 2.68 4.32 2.91 4.53 3.16 4.77 3.41 5.03 3.66 5.30 3.91 5.61 75 2.73 4.37 3.00 4.62 3.30 4.90 3.63 5.21 3.96 5.57 4.31 5.95 80 2.76 4.41 3.06 4.68 3.41 5.01 3.82 5.39 4.27 5.84 4.74 6.34 85 2.79 4.44 3.10 4.73 3.50 5.10 3.97 5.55 4.54 6.10 5.19 6.76 Joint and 100% Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 2.40 4.17 2.48 4.32 2.55 4.49 2.59 4.67 2.62 4.87 2.64 5.10 65 2.51 4.23 2.65 4.42 2.76 4.62 2.84 4.84 2.90 5.07 2.93 5.34 70 2.61 4.28 2.80 4.50 2.97 4.74 3.11 5.01 3.22 5.30 3.29 5.62 75 2.68 4.33 2.92 4.57 3.16 4.86 3.38 5.18 3.58 5.55 3.72 5.96 80 2.73 4.36 3.01 4.62 3.32 4.95 3.64 5.34 3.95 5.80 4.22 6.32 85 2.77 4.38 3.07 4.67 3.44 5.02 3.85 5.47 4.31 6.03 4.76 6.70 OPTION 4 - PERIOD CERTAIN ONLY Monthly Income Years 1.00% Fixed 4.00% Variable 10 8.75 10.06 11 7.99 9.31 12 7.36 8.69 13 6.83 8.17 14 6.37 7.72 15 5.98 7.34 16 5.63 7.00 17 5.33 6.71 18 5.05 6.44 19 4.81 6.21 20 4.59 6.00 21 4.40 5.81 22 4.22 5.64 23 4.05 5.49 24 3.90 5.35 25 3.76 5.22 26 3.64 5.10 27 3.52 5.00 28 3.41 4.90 29 3.31 4.80 30 3.21 4.72 28 ] Pacific Life Insurance Company · [700 Newport Center Drive · Xxxxxxx Xxxxxx Xxxxx · Newport BeachXxxxx, CA 92660XX 00000] INDIVIDUAL LIMITED FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Withdrawal Charges Waived in Specific Instances Annuities Payable in Fixed and/or Variable and/or Fixed Dollar Amounts Death Benefit Proceeds Payable Before Annuity Date Non-Participating

Applicability of Rates. For the fixed Annuity Option, the Annuity Option Tables contained in the following pages illustrate the minimum guaranteed monthly income purchased per $1,000 of the net amount applied. The tables also illustrate the minimum rates for the first monthly variable annuity payment per $1,000 of the net amount applied to the variable annuity payment option. Subsequent payments may be higher or lower than the first payment, based on the investment performance of the Subaccount(s) you elect and whether you exchange Subaccount Annuity Units. For some Qualified Plans and in some states, the use of sex-distinct income factors are prohibited. For those Qualified Plans, we use blended unisex income factors for life payment options for both male and female Annuitants. Basis of Computations — The actuarial basis for the fixed Annuity Option Tables is the 2012 Individual Annuity Mortality Period Life Table with the ages set back ten (10) years with interest at an annual interest rate of 1.001%. The rates for variable annuity payments are based on an assumed investment return of 4.004% per year and the 2012 Individual Annuity Mortality Period Life Table with the ages set back ten (10) years. Rates Not Shown — Any rates and/or ages not shown in the tables contained in this Contract will be provided by the Company upon request. Annuity benefits will not be less than those that would have been provided by the application of an amount to purchase any single premium immediate annuity offered by us at the time annuity payments commence to the same class of annuitants. ANNUITY TABLES OPTIONS 1 AND 2 - LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS FIXED Male at 1% Female at 1% Unisex at 1% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 1.77 1.77 1.77 1.71 1.71 1.71 1.74 1.74 1.74 35 1.87 1.87 1.87 1.81 1.81 1.81 1.84 1.84 1.84 40 2.00 1.99 1.99 1.92 1.92 1.92 1.96 1.96 1.95 45 2.14 2.14 2.13 2.06 2.05 2.05 2.10 2.10 2.09 50 2.32 2.32 2.30 2.22 2.22 2.21 2.27 2.27 2.26 55 2.54 2.54 2.51 2.42 2.41 2.40 2.48 2.48 2.46 60 2.82 2.81 2.76 2.67 2.66 2.63 2.74 2.74 2.70 65 3.17 3.15 3.05 2.98 2.97 2.91 3.08 3.06 2.98 70 3.62 3.58 3.40 3.39 3.36 3.24 3.51 3.47 3.32 75 4.23 4.13 3.78 3.93 3.87 3.62 4.08 4.00 3.70 80 5.07 4.87 4.15 4.66 4.53 4.01 4.87 4.70 4.09 85 6.31 5.81 4.42 5.73 5.40 4.33 6.02 5.61 4.38 90 8.20 6.89 4.55 7.35 6.45 4.51 7.78 6.68 4.54 95 11.14 7.86 4.59 9.85 7.50 4.58 10.49 7.69 4.58 100 15.74 8.45 4.59 13.53 8.25 4.59 14.62 8.36 4.59 VARIABLE Male at 4% Female at 4% Unisex at 4% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 3.61 3.61 3.60 3.56 3.56 3.55 3.58 3.58 3.58 35 3.68 3.68 3.67 3.62 3.62 3.62 3.65 3.65 3.64 40 3.78 3.77 3.76 3.71 3.70 3.70 3.74 3.74 3.73 45 3.89 3.89 3.87 3.81 3.81 3.80 3.85 3.85 3.84 50 4.04 4.04 4.01 3.95 3.94 3.93 4.00 3.99 3.97 55 4.24 4.23 4.18 4.12 4.11 4.08 4.18 4.17 4.13 60 4.50 4.47 4.39 4.34 4.33 4.28 4.42 4.40 4.34 65 4.83 4.79 4.65 4.64 4.61 4.52 4.74 4.70 4.59 70 5.27 5.19 4.95 5.04 4.98 4.81 5.16 5.09 4.89 75 5.87 5.72 5.29 5.56 5.46 5.15 5.72 5.59 5.22 80 6.71 6.42 5.62 6.29 6.09 5.49 6.50 6.26 5.56 85 7.97 7.31 5.85 7.37 6.93 5.77 7.67 7.13 5.81 90 9.90 8.33 5.96 9.03 7.93 5.93 9.47 8.14 5.95 95 12.91 9.23 6.00 11.60 8.90 5.99 12.26 9.08 5.99 100 17.61 9.77 6.00 15.35 9.59 6.00 16.47 9.69 6.00 OPTION 3 - JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 2.59 4.26 2.79 4.45 2.99 4.67 3.21 4.92 3.46 5.22 3.73 5.59 65 2.66 4.32 2.88 4.53 3.13 4.78 3.40 5.06 3.69 5.40 4.00 5.80 70 2.71 4.37 2.97 4.60 3.26 4.89 3.58 5.21 3.93 5.60 4.33 6.06 75 2.75 4.40 3.04 4.67 3.38 4.99 3.76 5.36 4.19 5.81 4.68 6.36 80 2.78 4.43 3.09 4.72 3.46 5.07 3.91 5.51 4.44 6.04 5.06 6.68 85 2.79 4.46 3.12 4.76 3.53 5.14 4.03 5.63 4.66 6.24 5.43 7.03 Primary Annuitant Unisex Age 60 65 70 75 80 85 Unisex 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 2.56 4.23 2.76 4.42 2.98 4.64 3.21 4.90 3.46 5.20 3.74 5.56 65 2.62 4.28 2.85 4.49 3.10 4.74 3.38 5.03 3.68 5.37 4.01 5.78 70 2.66 4.32 2.92 4.56 3.22 4.84 3.55 5.17 3.92 5.56 4.32 6.03 75 2.69 4.35 2.98 4.61 3.32 4.93 3.71 5.31 4.15 5.76 4.66 6.31 80 2.71 4.37 3.02 4.65 3.39 5.00 3.84 5.43 4.37 5.96 5.01 6.61 85 2.73 4.39 3.04 4.68 3.44 5.06 3.93 5.53 4.56 6.14 5.33 6.92 Joint and 66 2/3% Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 2.52 4.19 2.68 4.34 2.83 4.50 2.98 4.67 3.13 4.86 3.28 5.08 65 2.61 4.26 2.80 4.44 3.00 4.63 3.19 4.84 3.38 5.07 3.57 5.32 70 2.68 4.32 2.91 4.53 3.16 4.77 3.41 5.03 3.66 5.30 3.91 5.61 75 2.73 4.37 3.00 4.62 3.30 4.90 3.63 5.21 3.96 5.57 4.31 5.95 80 2.76 4.41 3.06 4.68 3.41 5.01 3.82 5.39 4.27 5.84 4.74 6.34 85 2.79 4.44 3.10 4.73 3.50 5.10 3.97 5.55 4.54 6.10 5.19 6.76 Joint and 100% Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 2.40 4.17 2.48 4.32 2.55 4.49 2.59 4.67 2.62 4.87 2.64 5.10 65 2.51 4.23 2.65 4.42 2.76 4.62 2.84 4.84 2.90 5.07 2.93 5.34 70 2.61 4.28 2.80 4.50 2.97 4.74 3.11 5.01 3.22 5.30 3.29 5.62 75 2.68 4.33 2.92 4.57 3.16 4.86 3.38 5.18 3.58 5.55 3.72 5.96 80 2.73 4.36 3.01 4.62 3.32 4.95 3.64 5.34 3.95 5.80 4.22 6.32 85 2.77 4.38 3.07 4.67 3.44 5.02 3.85 5.47 4.31 6.03 4.76 6.70 OPTION 4 - PERIOD CERTAIN ONLY Monthly Income Years 1.00% Fixed 4.00% Variable 10 8.75 10.06 11 7.99 9.31 12 7.36 8.69 13 6.83 8.17 14 6.37 7.72 15 5.98 7.34 16 5.63 7.00 17 5.33 6.71 18 5.05 6.44 19 4.81 6.21 20 4.59 6.00 21 4.40 5.81 22 4.22 5.64 23 4.05 5.49 24 3.90 5.35 25 3.76 5.22 26 3.64 5.10 27 3.52 5.00 28 3.41 4.90 29 3.31 4.80 30 3.21 4.72 28 Pacific Life Insurance & Annuity Company · [700 000 Xxxxxxx Xxxxxx Xxxxx · Newport BeachXxxxxxx Xxxxx, CA 92660] XX 00000 INDIVIDUAL LIMITED PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Withdrawal Charges Waived in Specific Instances Annuities Payable in Variable and/or and Fixed Dollar Amounts Death Benefit Proceeds Payable Before Annuity Date Non-Participating

Applicability of Rates. For the fixed Annuity Option, the Annuity Option Tables contained in the following pages illustrate the minimum guaranteed monthly income purchased per $1,000 of the net amount applied. The tables also illustrate the minimum rates for the first monthly variable annuity payment per $1,000 of the net amount applied to the variable annuity payment option. Subsequent payments may be higher or lower than the first payment, based on the investment performance of the Subaccount(s) you elect and whether you exchange Subaccount Annuity Units. For some Qualified Plans and in some states, the use of sex-distinct income factors are prohibited. For those Qualified Plans, we use blended unisex unigender income factors for life payment options for both male and female Annuitants. Basis of Computations — The actuarial basis for the fixed Annuity Option Tables is the 2012 Individual Annuity Mortality Period Life Table with the ages set back ten (10) years with an annual interest rate of 1.00%. The rates for variable annuity payments are based on an assumed investment return of 4.00% per year and the 2012 Individual Annuity Mortality Period Life Table with the ages set back ten (10) years. Rates Not Shown — Any rates and/or ages not shown in the tables contained in this Contract will be provided by the Company upon request. Annuity benefits will not be less than those that would have been provided by the application of an amount to purchase any single premium immediate annuity offered by us at the time annuity payments commence to the same class of annuitants. ANNUITY TABLES OPTIONS 1 AND 2 - LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS FIXED Male at 1% Female at 1% Unisex at 1% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 1.77 1.77 1.77 1.71 1.71 1.71 1.74 1.74 1.74 35 1.87 1.87 1.87 1.81 1.81 1.81 1.84 1.84 1.84 40 2.00 1.99 1.99 1.92 1.92 1.92 1.96 1.96 1.95 45 2.14 2.14 2.13 2.06 2.05 2.05 2.10 2.10 2.09 50 2.32 2.32 2.30 2.22 2.22 2.21 2.27 2.27 2.26 55 2.54 2.54 2.51 2.42 2.41 2.40 2.48 2.48 2.46 60 2.82 2.81 2.76 2.67 2.66 2.63 2.74 2.74 2.70 65 3.17 3.15 3.05 2.98 2.97 2.91 3.08 3.06 2.98 70 3.62 3.58 3.40 3.39 3.36 3.24 3.51 3.47 3.32 75 4.23 4.13 3.78 3.93 3.87 3.62 4.08 4.00 3.70 80 5.07 4.87 4.15 4.66 4.53 4.01 4.87 4.70 4.09 85 6.31 5.81 4.42 5.73 5.40 4.33 6.02 5.61 4.38 90 8.20 6.89 4.55 7.35 6.45 4.51 7.78 6.68 4.54 95 11.14 7.86 4.59 9.85 7.50 4.58 10.49 7.69 4.58 100 15.74 8.45 4.59 13.53 8.25 4.59 14.62 8.36 4.59 VARIABLE Male at 4% Female at 4% Unisex at 4% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 3.61 3.61 3.60 3.56 3.56 3.55 3.58 3.58 3.58 35 3.68 3.68 3.67 3.62 3.62 3.62 3.65 3.65 3.64 40 3.78 3.77 3.76 3.71 3.70 3.70 3.74 3.74 3.73 45 3.89 3.89 3.87 3.81 3.81 3.80 3.85 3.85 3.84 50 4.04 4.04 4.01 3.95 3.94 3.93 4.00 3.99 3.97 55 4.24 4.23 4.18 4.12 4.11 4.08 4.18 4.17 4.13 60 4.50 4.47 4.39 4.34 4.33 4.28 4.42 4.40 4.34 65 4.83 4.79 4.65 4.64 4.61 4.52 4.74 4.70 4.59 70 5.27 5.19 4.95 5.04 4.98 4.81 5.16 5.09 4.89 75 5.87 5.72 5.29 5.56 5.46 5.15 5.72 5.59 5.22 80 6.71 6.42 5.62 6.29 6.09 5.49 6.50 6.26 5.56 85 7.97 7.31 5.85 7.37 6.93 5.77 7.67 7.13 5.81 90 9.90 8.33 5.96 9.03 7.93 5.93 9.47 8.14 5.95 95 12.91 9.23 6.00 11.60 8.90 5.99 12.26 9.08 5.99 100 17.61 9.77 6.00 15.35 9.59 6.00 16.47 9.69 6.00 OPTION 3 - JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 2.59 4.26 2.79 4.45 2.99 4.67 3.21 4.92 3.46 5.22 3.73 5.59 65 2.66 4.32 2.88 4.53 3.13 4.78 3.40 5.06 3.69 5.40 4.00 5.80 70 2.71 4.37 2.97 4.60 3.26 4.89 3.58 5.21 3.93 5.60 4.33 6.06 75 2.75 4.40 3.04 4.67 3.38 4.99 3.76 5.36 4.19 5.81 4.68 6.36 80 2.78 4.43 3.09 4.72 3.46 5.07 3.91 5.51 4.44 6.04 5.06 6.68 85 2.79 4.46 3.12 4.76 3.53 5.14 4.03 5.63 4.66 6.24 5.43 7.03 Primary Annuitant Unisex Age 60 65 70 75 80 85 Unisex 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Unisex Age 60 2.56 4.23 2.76 4.42 2.98 4.64 3.21 4.90 3.46 5.20 3.74 5.56 65 2.62 4.28 2.85 4.49 3.10 4.74 3.38 5.03 3.68 5.37 4.01 5.78 70 2.66 4.32 2.92 4.56 3.22 4.84 3.55 5.17 3.92 5.56 4.32 6.03 75 2.69 4.35 2.98 4.61 3.32 4.93 3.71 5.31 4.15 5.76 4.66 6.31 80 2.71 4.37 3.02 4.65 3.39 5.00 3.84 5.43 4.37 5.96 5.01 6.61 85 2.73 4.39 3.04 4.68 3.44 5.06 3.93 5.53 4.56 6.14 5.33 6.92 Joint and 66 2/3% Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 2.52 4.19 2.68 4.34 2.83 4.50 2.98 4.67 3.13 4.86 3.28 5.08 65 2.61 4.26 2.80 4.44 3.00 4.63 3.19 4.84 3.38 5.07 3.57 5.32 70 2.68 4.32 2.91 4.53 3.16 4.77 3.41 5.03 3.66 5.30 3.91 5.61 75 2.73 4.37 3.00 4.62 3.30 4.90 3.63 5.21 3.96 5.57 4.31 5.95 80 2.76 4.41 3.06 4.68 3.41 5.01 3.82 5.39 4.27 5.84 4.74 6.34 85 2.79 4.44 3.10 4.73 3.50 5.10 3.97 5.55 4.54 6.10 5.19 6.76 Joint and 100% Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 Female 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 2.40 4.17 2.48 4.32 2.55 4.49 2.59 4.67 2.62 4.87 2.64 5.10 65 2.51 4.23 2.65 4.42 2.76 4.62 2.84 4.84 2.90 5.07 2.93 5.34 70 2.61 4.28 2.80 4.50 2.97 4.74 3.11 5.01 3.22 5.30 3.29 5.62 75 2.68 4.33 2.92 4.57 3.16 4.86 3.38 5.18 3.58 5.55 3.72 5.96 80 2.73 4.36 3.01 4.62 3.32 4.95 3.64 5.34 3.95 5.80 4.22 6.32 85 2.77 4.38 3.07 4.67 3.44 5.02 3.85 5.47 4.31 6.03 4.76 6.70 OPTION 4 - PERIOD CERTAIN ONLY Monthly Income Years 1.00% Fixed 4.00% Variable 10 8.75 10.06 11 7.99 9.31 12 7.36 8.69 13 6.83 8.17 14 6.37 7.72 15 5.98 7.34 16 5.63 7.00 17 5.33 6.71 18 5.05 6.44 19 4.81 6.21 20 4.59 6.00 21 4.40 5.81 22 4.22 5.64 23 4.05 5.49 24 3.90 5.35 25 3.76 5.22 26 3.64 5.10 27 3.52 5.00 28 3.41 4.90 29 3.31 4.80 30 3.21 4.72 28 Pacific Life Insurance Company · [700 000 Xxxxxxx Xxxxxx Xxxxx · Newport BeachXxxxxxx Xxxxx, CA 92660] XX 00000 INDIVIDUAL LIMITED FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Withdrawal Charges Waived in Specific Instances Annuities Payable in Variable and/or and Fixed Dollar Amounts Death Benefit Proceeds Payable Before Annuity Date Non-Participating