Pacific Protective Growth _ Historical Rates (as of September 1, 2025, non-forfeiture rate change only)

Index

Strategy

Protection
Level

Rider

Term

Rate / Cap

Guaranteed
Minimum
Rate / Cap

Fixed
Non
Forfeiture

Initial
Tier
Level

Guaranteed
Maximum
Tier
Level

Tier 1
Participation
Rate

Minimum
Tier 1
Participation
Rate

Tier 2
Participation
Rate

Minimum
Tier 2
Participation
Rate

Fixed

GMWB

1

3.25%

0.50%

2.70%

Fixed

Non GMWB

1

3.25%

0.50%

2.70%

Performance Mix

10% Buffer

Non GMWB

6

2.70%

100.00%

60.00%

S&P 500

Cap Rate

10% Buffer

GMWB

1

15.00%

2.00%

2.70%

S&P 500

Dual Direction

10% Buffer

GMWB

1

12.50%

2.00%

2.70%

S&P 500

Performance Trigger

10% Buffer

GMWB

1

10.50%

2.00%

2.70%

S&P 500

Cap Rate

15% Buffer

GMWB

1

12.00%

2.00%

2.70%

S&P 500

Dual Direction

15% Buffer

GMWB

1

9.00%

2.00%

2.70%

S&P 500

Performance Trigger

15% Buffer

GMWB

1

9.00%

2.00%

2.70%

S&P 500

Cap Rate

-10% Floor

GMWB

1

11.00%

2.00%

2.70%

S&P 500

Performance Trigger

-10% Floor

GMWB

1

8.75%

2.00%

2.70%

S&P 500

Cap Rate

10% Buffer

Non GMWB

1

15.00%

2.00%

2.70%

S&P 500

Dual Direction

10% Buffer

Non GMWB

1

12.50%

2.00%

2.70%

S&P 500

Performance Trigger

10% Buffer

Non GMWB

1

10.50%

2.00%

2.70%

S&P 500

Cap Rate

15% Buffer

Non GMWB

1

12.00%

2.00%

2.70%

S&P 500

Dual Direction

15% Buffer

Non GMWB

1

9.00%

2.00%

2.70%

S&P 500

Performance Trigger

15% Buffer

Non GMWB

1

9.00%

2.00%

2.70%

S&P 500

Cap Rate

-10% Floor

Non GMWB

1

11.00%

2.00%

2.70%

S&P 500

Performance Trigger

-10% Floor

Non GMWB

1

8.75%

2.00%

2.70%

S&P 500

Cap Rate

10% Buffer

Non GMWB

6

Uncapped

12.00%

2.70%

S&P 500

Dual Direction

10% Buffer

Non GMWB

6

150.00%

12.00%

2.70%

S&P 500

Tiered Participation Rate

10% Buffer

Non GMWB

6

2.70%

20.00%

50.00%

100.00%

60.00%

110.00%

60.00%

S&P 500

Cap Rate

15% Buffer

Non GMWB

6

750.00%

12.00%

2.70%

S&P 500

Dual Direction

15% Buffer

Non GMWB

6

90.00%

12.00%

2.70%

S&P 500

Cap Rate

20% Buffer

Non GMWB

6

200.00%

12.00%

2.70%

S&P 500

Dual Direction

20% Buffer

Non GMWB

6

75.00%

12.00%

2.70%

MSCI EAFE

Cap Rate

10% Buffer

GMWB

1

17.00%

2.00%

2.70%

MSCI EAFE

Dual Direction

10% Buffer

GMWB

1

12.00%

2.00%

2.70%

MSCI EAFE

Performance Trigger

10% Buffer

GMWB

1

9.00%

2.00%

2.70%

MSCI EAFE

Cap Rate

15% Buffer

GMWB

1

12.00%

2.00%

2.70%

MSCI EAFE

Dual Direction

15% Buffer

GMWB

1

7.00%

2.00%

2.70%

MSCI EAFE

Performance Trigger

15% Buffer

GMWB

1

7.75%

2.00%

2.70%

MSCI EAFE

Cap Rate

-10% Floor

GMWB

1

16.00%

2.00%

2.70%

MSCI EAFE

Performance Trigger

-10% Floor

GMWB

1

8.00%

2.00%

2.70%

MSCI EAFE

Cap Rate

10% Buffer

Non GMWB

1

17.00%

2.00%

2.70%

MSCI EAFE

Dual Direction

10% Buffer

Non GMWB

1

12.00%

2.00%

2.70%

MSCI EAFE

Performance Trigger

10% Buffer

Non GMWB

1

9.00%

2.00%

2.70%

MSCI EAFE

Cap Rate

15% Buffer

Non GMWB

1

12.00%

2.00%

2.70%

MSCI EAFE

Dual Direction

15% Buffer

Non GMWB

1

7.00%

2.00%

2.70%

MSCI EAFE

Performance Trigger

15% Buffer

Non GMWB

1

7.75%

2.00%

2.70%

MSCI EAFE

Cap Rate

-10% Floor

Non GMWB

1

16.00%

2.00%

2.70%

MSCI EAFE

Performance Trigger

-10% Floor

Non GMWB

1

8.00%

2.00%

2.70%

MSCI EAFE

Cap Rate

10% Buffer

Non GMWB

6

Uncapped

12.00%

2.70%

MSCI EAFE

Dual Direction

10% Buffer

Non GMWB

6

800.00%

12.00%

2.70%

MSCI EAFE

Tiered Participation Rate

10% Buffer

Non GMWB

6

2.70%

20.00%

50.00%

100.00%

60.00%

150.00%

60.00%

MSCI EAFE

Cap Rate

15% Buffer

Non GMWB

6

750.00%

12.00%

2.70%

MSCI EAFE

Dual Direction

15% Buffer

Non GMWB

6

600.00%

12.00%

2.70%

MSCI EAFE

Cap Rate

20% Buffer

Non GMWB

6

700.00%

12.00%

2.70%

MSCI EAFE

Dual Direction

20% Buffer

Non GMWB

6

200.00%

12.00%

2.70%

Invesco QQQ ETF

Cap Rate

10% Buffer

GMWB

1

18.25%

2.00%

2.70%

Invesco QQQ ETF

Dual Direction

10% Buffer

GMWB

1

15.25%

2.00%

2.70%

Invesco QQQ ETF

Performance Trigger

10% Buffer

GMWB

1

11.25%

2.00%

2.70%

Invesco QQQ ETF

Cap Rate

15% Buffer

GMWB

1

14.75%

2.00%

2.70%

Invesco QQQ ETF

Dual Direction

15% Buffer

GMWB

1

10.75%

2.00%

2.70%

Invesco QQQ ETF

Performance Trigger

15% Buffer

GMWB

1

9.00%

2.00%

2.70%

Invesco QQQ ETF

Cap Rate

-10% Floor

GMWB

1

12.00%

2.00%

2.70%

Invesco QQQ ETF

Performance Trigger

-10% Floor

GMWB

1

9.50%

2.00%

2.70%

Invesco QQQ ETF

Cap Rate

10% Buffer

Non GMWB

1

18.25%

2.00%

2.70%

Invesco QQQ ETF

Dual Direction

10% Buffer

Non GMWB

1

15.25%

2.00%

2.70%

Invesco QQQ ETF

Performance Trigger

10% Buffer

Non GMWB

1

11.25%

2.00%

2.70%

Invesco QQQ ETF

Cap Rate

15% Buffer

Non GMWB

1

14.75%

2.00%

2.70%

Invesco QQQ ETF

Dual Direction

15% Buffer

Non GMWB

1

10.75%

2.00%

2.70%

Invesco QQQ ETF

Performance Trigger

15% Buffer

Non GMWB

1

9.00%

2.00%

2.70%

Invesco QQQ ETF

Cap Rate

-10% Floor

Non GMWB

1

12.00%

2.00%

2.70%

Invesco QQQ ETF

Performance Trigger

-10% Floor

Non GMWB

1

9.50%

2.00%

2.70%

Invesco QQQ ETF

Cap Rate

10% Buffer

Non GMWB

6

Uncapped

12.00%

2.70%

Invesco QQQ ETF

Dual Direction

10% Buffer

Non GMWB

6

100.00%

12.00%

2.70%

Invesco QQQ ETF

Tiered Participation Rate

10% Buffer

Non GMWB

6

2.70%

20.00%

50.00%

100.00%

60.00%

100.00%

60.00%

Invesco QQQ ETF

Cap Rate

15% Buffer

Non GMWB

6

90.00%

12.00%

2.70%

Invesco QQQ ETF

Dual Direction

15% Buffer

Non GMWB

6

85.00%

12.00%

2.70%

Invesco QQQ ETF

Cap Rate

20% Buffer

Non GMWB

6

80.00%

12.00%

2.70%

Invesco QQQ ETF

Dual Direction

20% Buffer

Non GMWB

6

75.00%

12.00%

2.70%

iShares Russell ETF

Cap Rate

10% Buffer

GMWB

1

20.00%

2.00%

2.70%

iShares Russell ETF

Dual Direction

10% Buffer

GMWB

1

16.25%

2.00%

2.70%

iShares Russell ETF

Performance Trigger

10% Buffer

GMWB

1

11.50%

2.00%

2.70%

iShares Russell ETF

Cap Rate

15% Buffer

GMWB

1

16.00%

2.00%

2.70%

iShares Russell ETF

Dual Direction

15% Buffer

GMWB

1

10.25%

2.00%

2.70%

iShares Russell ETF

Performance Trigger

15% Buffer

GMWB

1

9.75%

2.00%

2.70%

iShares Russell ETF

Cap Rate

-10% Floor

GMWB

1

15.00%

2.00%

2.70%

iShares Russell ETF

Performance Trigger

-10% Floor

GMWB

1

10.00%

2.00%

2.70%

iShares Russell ETF

Cap Rate

10% Buffer

Non GMWB

1

20.00%

2.00%

2.70%

iShares Russell ETF

Dual Direction

10% Buffer

Non GMWB

1

16.25%

2.00%

2.70%

iShares Russell ETF

Performance Trigger

10% Buffer

Non GMWB

1

11.50%

2.00%

2.70%

iShares Russell ETF

Cap Rate

15% Buffer

Non GMWB

1

16.00%

2.00%

2.70%

iShares Russell ETF

Dual Direction

15% Buffer

Non GMWB

1

10.25%

2.00%

2.70%

iShares Russell ETF

Performance Trigger

15% Buffer

Non GMWB

1

9.75%

2.00%

2.70%

iShares Russell ETF

Cap Rate

-10% Floor

Non GMWB

1

15.00%

2.00%

2.70%

iShares Russell ETF

Performance Trigger

-10% Floor

Non GMWB

1

10.00%

2.00%

2.70%

iShares Russell ETF

Cap Rate

10% Buffer

Non GMWB

6

135.00%

12.00%

2.70%

iShares Russell ETF

Dual Direction

10% Buffer

Non GMWB

6

120.00%

12.00%

2.70%

iShares Russell ETF

Tiered Participation Rate

10% Buffer

Non GMWB

6

2.70%

20.00%

50.00%

100.00%

60.00%

105.00%

60.00%

iShares Russell ETF

Cap Rate

15% Buffer

Non GMWB

6

120.00%

12.00%

2.70%

iShares Russell ETF

Dual Direction

15% Buffer

Non GMWB

6

100.00%

12.00%

2.70%

iShares Russell ETF

Cap Rate

20% Buffer

Non GMWB

6

100.00%

12.00%

2.70%

iShares Russell ETF

Dual Direction

20% Buffer

Non GMWB

6

85.00%

12.00%

2.70%

First Trust Growth

Cap Rate

10% Buffer

GMWB

1

15.25%

2.00%

2.70%

First Trust Growth

Cap Rate

15% Buffer

GMWB

1

12.25%

2.00%

2.70%

First Trust Growth

Cap Rate

-10% Floor

GMWB

1

11.25%

2.00%

2.70%

First Trust Growth

Cap Rate

10% Buffer

Non GMWB

1

15.25%

2.00%

2.70%

First Trust Growth

Cap Rate

15% Buffer

Non GMWB

1

12.25%

2.00%

2.70%

First Trust Growth

Cap Rate

-10% Floor

Non GMWB

1

11.25%

2.00%

2.70%

First Trust Growth

Cap Rate

10% Buffer

Non GMWB

6

130.00%

12.00%

2.70%

First Trust Growth

Tiered Participation Rate

10% Buffer

Non GMWB

6

2.70%

20.00%

50.00%

100.00%

60.00%

110.00%

60.00%

First Trust Growth

Cap Rate

15% Buffer

Non GMWB

6

110.00%

12.00%

2.70%

First Trust Growth

Cap Rate

20% Buffer

Non GMWB

6

85.00%

12.00%

2.70%