Important News for Contract Owners Subject to Required Minimum Distribution (RMD) Rules

Pacific Life IRA contract owners older than age 70˝ and subject to RMD rules are not required to take an RMD in 2009. The rules for 2009 have been suspended; however, if you turned age 70˝ in 2008 and have not taken your RMD in 2008, then you must satisfy your RMD for 2008 no later than April 1, 2009.

This one-year suspension is part of the Worker, Retiree, and Employer Recovery Act of 2008 signed into law by President Bush on December 23, 2008. If you are the owner of an IRA, 403(b), 457(b), or 401(k) contract (including the owners of inherited IRA and inherited TSA contracts), in 2009 you do not have to take the RMD that you are generally required to take each year.

If you have signed up for Pacific Life’s automated RMD program and would like to suspend your RMD payments for 2009, please notify us as soon as possible so that we can modify your existing program. If you would still like to receive your 2009 RMD, no action is required. The automated RMD distribution(s) will continue to be sent to you in the manner you have requested.

If you have not signed up for Pacific Life’s automated RMD program, please be aware of this one-year suspension as you plan your income needs for 2009. In addition, if you would like to obtain your contract value plus the actuarial present value of additional benefits (if applicable) for purposes of calculating your RMD, please feel free to contact us at the number listed below or log into My Account .

If you have any questions, you can contact Insurance Company at . Our Annuity Information Specialists are available Monday through Friday from 6:00 a.m. to 5:00 p.m. Pacific time.