PORTFOLIO OPTIMIZATION FUNDS

PF Portfolio Optimization Model A Model B Model C Model D Model E TIMING Shorter Investment Longer Investment Investor Profile You are looking for a relatively stable investment and do not tolerate short term market swings. Your focus is on pace with inflation, and you can tolerate a moderate level of risk. You want the opportunity for long-term moderate growth. You want an investment that is geared for growth and are willing to accept above-average risk. You are an aggressive investor and can tolerate short-term market swings

MODEL A MODEL B MODEL C MODEL D MODEL E   Underlying   Fund Allocations Less Volatile More Volatile PF Loomis Sayles Large-Cap Growth 2% 3% 3% 4% - PF Goldman Sachs Short Duration bond 28% 17% 9% 4% - PF Janus Growth LT - 3% 5% 8% 14% PF Lazard International Value 3% 7% 8% 10% 12% PF Lazard Mid-Cap Value 2% 3% 3% 5% 5% PF MFS International Large-Cap 3% 6% 7% 9% 14% PF NB Fasciano Small Equity - - 2% 3% 6% PF Oppenheimer Main Street® Core 6% 7% 7% 11% 11% PF Oppenheimer Emerging Markets - - 4% 5% 6% PF PIMCO Inflation Managed 15% 14% 12% 7% - PF PIMCO Managed Bond 25% 19% 14% 7% 2% PF Pacific Life Money Market 9% 7% 2% - - PF Salomon Bros. Large-Cap Value 3% 3% 5% 5% 7% PF Van Kampen Comstock 4% 8% 10% 11% 11% PF Van Kampen Mid-Cap Growth - 3% 6% 7% 7% PF Van Kampen Real Estate - - 3% 4% 5% Cash 12% 9% 3% 1% 1% Bonds 67% 50% 36% 21% 6% Domestic Stocks 16% 30% 44% 57% 66% International Stocks 5% 11% 17% 21% 27%

Investments may have differences in fluctuation of principal and/or return, tax features, etc. International investing is subject to currency fluctuation and political changes. An investment in the PF Pacific Life Money Market Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although it seeks to preserve the value of your investment at $1 per share, it is possible to lose money by investing in the fund. Although some of the underlying funds may have names or investment objectives that resemble other mutual funds managed by the same manager, Pacific Life Funds may not have the same underlying holdings or performance as the other mutual funds. Investment results may be higher or lower. Share values will fluctuate and, when redeemed, may be worth more or less than the original cost. Past performance does not guarantee future results.

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