frequently asked questions

What is the connection between Pacific Life and Pacific Global ETFs?

Pacific Global ETFs is part of Pacific Life’s family of funds. Pacific Global ETFs is managed by Pacific Global Advisors, a Pacific Life company. Pacific Global ETFs offers actively managed, income-focused investment strategies that build on the more than 150-year legacy of Pacific Life.

Explain the relationship between Pacific Global ETFs and Pacific Asset Management and Cadence Capital Management.

Pacific Asset Management (PAM), which has an extensive background in corporate fixed-income investing, serves as sub-adviser for Pacific Global Focused High Yield ETF (FJNK). Cadence Capital Management, which has an extensive background in factor-based equity investing, serves as sub-adviser for Pacific Global US Equity Income ETF (USDY) and Pacific Global International Equity Income ETF (IDY).

Why launch the ETF business?

For more than 150 years, Pacific Life has provided the strength, stability, and long-term focus to help generations of families and businesses reach their financial goals. Pacific Global ETFs and its line of income-focused, actively managed ETFs build on this tradition with innovative investment strategies designed to deliver income growth.

What are Pacific Global ETFs designed to do?

Pacific Global ETFs are built for income. Our goal is to provide income, capital-growth opportunities and diversification in today’s dynamic markets.

Why does Pacific Global ETFs focus on income-generating securities?

We recognize investor appetite for yield-producing investments is strong amid a record-low, interest-rate environment. We operate on the premise that income and capital growth will always be attractive to investors.

How many income-generating funds does Pacific Global ETFs offer?

We currently offer four ETFs built for income — two equity-based strategies and fixed-income strategies that enable investors to build customized investment portfolios tailored to their income and capital appreciation goals. We will continue to explore opportunities to add complementary ETFs to the product mix.

Pacific Global ETFs launched USDY in early 2019. Why was that first ETF launched?

Cadence Capital Management, sub-adviser to Pacific Global US Equity Income ETF (USDY) and a Pacific Life company, originally launched a U.S. equity income ETF with Horizons ETFs (owned by Mirae Global Investments) in February 2018. Due to changes at Mirae, Pacific Global decided to take ETFmanagement in-house by launching the Pacific Global ETF Trust. Pacific Global US Equity Income ETF, sub-advised by Cadence Capital Management, became the first ETF to be housed in the new trust.

What sets Pacific Global ETFs apart from other ETF issuers?

The DNA embedded in Pacific Global ETFs can be traced to the core values of Pacific Life, which offers innovative products and services that provide value and financial security for current and future generations. Pacific Global ETFs was launched with the focus of addressing investors’ needs for income-producing strategies, which is especially important with today’s interest rates reaching historic lows. Our growing suite of income-focused, actively managed ETFs are designed to deliver a steady stream of income, long-term capital growth and diversification.

Many ETF issuers struggle to get off the ground and generate assets. How will Pacific Global ETFs overcome many of the challenges so often faced by its peers?

For more than 150 years, Pacific Life has provided the strength, stability, and long-term focus to fulfill what are often decades-long promises, helping generations of families and businesses reach their financial goals. Pacific Global ETFs and its line of income-focused, actively managed ETFs build on this tradition with innovative investment strategies designed to deliver income growth, capital appreciation and diversification.

How is Pacific Global ETFs’ approach to active management different?

We utilize a bottom-up investment approach designed to identify securities that have attributes associated with higher returns over time. Also, when a market correction inevitably occurs, active management may provide more favorable downside protection and the potential for better long-term investment results.

What are the fund fees? How does it compare to other existing income ETF strategies?

· USDY 0.29%
· IDY 0.39%
· FJNK 0.39%
· FLRT 0.68%

We believe Pacific Global ETFs provides access to high-quality income-generating securities at a cost competitive to other actively managed ETF strategies.The following questions might be asked during media interviews.

Disclaimer
An investment in the Funds is subject to risk, including the possible loss of principal amountinvested. Investment decisions are made based on investment views and there is no guarantee thatthe investment views will produce the desired results or expected returns. The Funds investments inhigh yield securities or “junk bonds” are considered predominantly speculative and are subject to agreater risk of loss of income and principal than higher grade debt securities. Typically, a rise in interestrates causes a decline in the value of fixed income securities owned by the Fund. Equity prices can fallrapidly in response to developments affecting a specific company or industry, or to changing economic,political or market conditions.