USE THE POWER OF PACIFIC LIFE

INSURANCE AND ANNUITY UNDERWRITING AND ADMINISTRATION IN THE FIELD OF LIFE, DISABILITY [, HEALTH AND ] LOSS PREVENTION; REINSURANCE UNDERWRITING; INVESTMENT BROKERAGE; FINANCIAL INVESTMENT IN THE FIELD OF SECURITIES, DERIVATIVES, REAL ESTATE, MUTUAL FUNDS, PRIVATE PLACEMENTS, FUNDING AGREEMENTS, AND VENTURE CAPITAL; INVESTMENT MANAGEMENT; MAINTAINING ESCROW ACCOUNTS FOR INVESTMENTS; INVESTMENT AND ADMINISTRATION OF EMPLOYEE PENSION PLANS; FUND INVESTMENT CONSULTATION; CAPITAL INVESTMENT CONSULTATION; MUTUAL FUND BROKERAGE INVESTMENT AND DISTRIBUTION; REAL ESTATE INVESTMENT AND MANAGEMENT; AND MORTGAGE LENDING AND LOAN SERVICING