The lone pairs occupy equatorial positions on the trigonal bipyramid. This minimises the number of 90° lone-pair:bonding-pair interactions
The equatorial-axial F–Cl–F bond angles are less than 90° due to lone-pair:bonding-pair repulsion being greater than bonding-pair:bonding-pair repulsion
The axial-axial F–Cl–F bond angle is less than 180° for the same reason