An Ohio court authorized this notice. This is not a solicitation from a lawyer. You are not being sued.

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1 NOTICE OF CLASS ACTION, PROPOSED SETTLEMENT, FAIRNESS HEARING AND RIGHT TO APPEAR To all persons who purchased a single premium credit life and/or credit disability insurance policy from Protective Life Insurance Company, Protective Life Insurance Company of Ohio, or Protective Life and Annuity Insurance Company in connection with a loan that originated at a motor vehicle dealer when financing or leasing a motor vehicle and who paid off their motor vehicle loan or ended their lease during the Class Period for your State, 1 but who did not receive a full refund of unearned premium; you may be eligible to receive a payment from this class action settlement. An Ohio court authorized this notice. This is not a solicitation from a lawyer. You are not being sued. You were sent a Mail Notice because you purchased single premium credit life and/or credit disability insurance from Protective Life Insurance Company, Protective Life Insurance Company of Ohio, or Protective Life and Annuity Insurance Company (collectively, Protective or Defendant ) in connection with a loan that originated at a motor vehicle dealer when buying or leasing a 1 The Class Period begins on the following date, depending on statute of limitations for the State where you purchased your policy: Alabama Sept. 7, 2004; Alaska Sept. 7, 2007; Arizona Sept. 7, 2004; Arkansas Sept. 7, 2005; California Sept. 7, 2006; Colorado Sept. 7, 2007; Connecticut Sept. 7, 2004; Delaware Sept. 7, 2007; District of Columbia Sept. 7, 2007; Florida Sept. 7, 2005; Georgia Sept. 7, 2004; Hawaii Sept. 7, 2004; Idaho Sept. 7, 2005; Illinois Sept. 7, 2000; Indiana Sept. 7, 2000; Iowa Sept. 7, 2000; Kansas Sept. 7, 2005; Kentucky Sept. 7, 1995; Louisiana Sept. 7, 2000; Louisiana Sept. 7, 2000; Maine Sept. 7, 2004; Maryland Sept. 7, 2007; Massachusetts Sept. 7, 2004; Michigan Sept. 7, 2004; Minnesota Sept. 7, 2004; Mississippi Sept. 7, 2007; Missouri Sept. 7, 2000; Montana Sept. 7, 2002; Nebraska Sept. 7, 2005; Nevada Sept. 7, 2004; New Hampshire Sept. 7, 2007; New Jersey Sept. 7, 2004; New Mexico Sept. 7, 2004; New York Sept. 7, 2004; North Carolina Sept. 7, 2007; North Dakota Sept. 7, 2004; Ohio Sept. 7, 1995; Oklahoma Sept. 7, 2005; Oregon Sept. 7, 2004; Pennsylvania Sept. 7, 2006; Rhode Island Sept. 7, 2000; South Carolina Sept. 7, 2007; South Dakota Sept. 7, 2004; Tennessee Sept. 7, 2004; Texas Sept. 7, 2006; Utah Sept. 7, 2004; Vermont Sept. 7, 2004; Virginia Sept. 7, 2005; Washington Sept. 7, 2004; West Virginia Sept. 7, 2000; Wisconsin Sept. 7, 2004; Wyoming Sept. 7, The Class Period ends on April 20,

2 motor vehicle. You may be entitled to a refund of any unearned portion of the premium(s). The settlement will provide a refund of unearned premium to class members who purchased single premium credit life or disability insurance from Protective in connection with a loan that originated at a motor vehicle dealer when financing or leasing a motor vehicle, where class members paid off that loan or lease before the insurance was scheduled to expire, but did not receive a refund of unearned premium. Class members with timely mailed and verified claims will receive 100% of their unearned premium. The settlement resolves a lawsuit over whether Defendant was required to refund unearned premiums upon an early payoff of their covered motor vehicle loans or leases when Defendant did not receive notice of the early payoff. The settlement avoids costs and risks to class members from continuing the lawsuit, pays money to policyholders who make claims giving certain information certified under penalties of law and verified with documentation confirming the early payoff of their loan or lease, and releases Defendant from liability. Lawyers for the class members will ask the Court to approve their attorneys fees and litigation costs of $1,375, for investigating the facts, litigating the case, negotiating the settlement, and assisting class members in connection with the settlement. The two sides disagree on whether the class would recover anything if the case went to trial, and have agreed to settle rather than risk the uncertainty of trial. Your legal rights are affected whether you act or do not act. These rights and options and the deadlines to exercise them are explained in the Notice of Settlement and related papers, all of which can be printed from Read these materials carefully! 2

3 YOUR LEGAL RIGHTS AND OPTIONS IN THIS SETTLEMENT: SUBMIT A CLAIM FORM EXCLUDE YOURSELF OBJECT GO TO A HEARING DO NOTHING Receive a payment if: (a) you purchased single premium credit life or disability insurance from Defendant in connection with a loan that originated at a motor vehicle dealer when financing or leasing a motor vehicle during the Class Period; (b) you paid off your loan or lease early; (c) you did not receive a refund of unearned premium; (d) you have not received a claim benefit under your coverage; and (e) you make a timely certified and verified claim in the Settlement. There is a claim form attached to this document. Fill it out, sign it, and attach a document that shows the date when your vehicle loan was terminated or paid off early. Mail the claim form to: Townsend Settlement Administration, P.O. Box 820, Deerfield, IL Receive no settlement claim opportunity or payment. This is the only option that allows you to ever be part of any other lawsuit against Defendant about the legal claims in this case. Write to the Court if you do not approve of the settlement. Ask to speak in Court about the fairness of the settlement. Lose the opportunity to submit a claim for a premium refund if the settlement is approved by the Court. The Court still has to decide whether to approve the settlement. Payments will be made only if the Court approves the settlement and after appeals, if any, are resolved. Please be patient. 3

4 WHAT THIS NOTICE CONTAINS BASIC INFORMATION... PAGE _5 1. Why did I receive this notice package? 2. What is this lawsuit about? 3. Why is this a class action? 4. Why is there a settlement? WHO IS IN THE SETTLEMENT... PAGE _6 5. How do I know if I am a class member? 6. Which credit insurance products are included? 7. Who is excluded from the class definitions? THE SETTLEMENT BENEFITS WHAT YOU RECEIVE... PAGE _7 8. What does the settlement provide? 9. What will I receive from the settlement? HOW YOU RECEIVE A PAYMENT SUBMITTING A CLAIM FORM... PAGE _7 10. How can I receive a payment? 11. When would I receive my payment? 12. What am I giving up to receive a payment or to stay in the Class? EXCLUDING YOURSELF FROM THE SETTLEMENT... PAGE _8 13. How do I get out of the settlement? 14. If I do not exclude myself, may I sue Defendant for the same thing later? 15. If I exclude myself, can I receive money from this settlement? THE LAWYERS REPRESENTING YOU... PAGE _9 16. Do I have a lawyer in the case? 17. How will the lawyers be paid? OBJECTING TO THE SETTLEMENT... PAGE _9 18. How do I tell the Court that I do not like the settlement? 19. What is the difference between objecting and excluding? THE COURT S FAIRNESS HEARING... PAGE _ When and where will the Court decide whether to approve the settlement? 21. Do I have to come to the hearing? 22. May I speak at the hearing? IF YOU DO NOTHING... PAGE _ What happens if I do nothing at all? OBTAINING MORE INFORMATION... PAGE _ Are there more details about the settlement? 4

5 BASIC INFORMATION 1. Why did I receive the mail notice and claim form? You were sent the mail notice and claim form because you purchased single premium credit life or disability insurance from Defendant in connection with a loan that originated at a motor vehicle dealer when financing or leasing a motor vehicle which was still in force or expired during the relevant period starting on the commencement of the applicable limitation period for a breach of contract claim in your state (see note 1 of this Notice) and ending April 20, We do not know whether you paid off your motor vehicle loan or lease before its scheduled end date. We need to know whether you did. If you did not, you cannot make a valid settlement claim. If you did, you can submit the Claim Form. The Court ordered this notice be sent to you because you have a right to know about a proposed settlement of a class action lawsuit, and about your options, before the Court decides whether to approve the settlement. If the Court approves it, and after objections and appeals, if any, are resolved affirming that approval, Defendant will make the payments that the settlement allows. This package explains the lawsuit, the settlement, your legal rights, what benefits are available, who is eligible for them, and how to receive them. The Court in charge of the case is the United States District Court for the Northern District of Ohio, and the case is known as Estate of Frank Townsend, et al., v. Protective Life Insurance Company et al., Case No. Case No. 1:10-cv-02365, in the United States District Court, Northern District of Ohio, Eastern Division. The persons who sued are called Plaintiffs, and the company they sued, Protective, is called the Defendant. 2. What is this lawsuit about? Consumers purchased single premium credit life and/or disability insurance from Defendant in connection with loans that originated at a motor vehicle dealer when financing or leasing motor vehicles. The settlement resolves a dispute over whether Defendant was required to refund unearned premiums to policyholders upon an early payoff of their covered motor vehicle loan or lease when Defendant did not receive notice of the early payoff. The Plaintiffs claim that under the terms of the policy(ies) and applicable state laws and regulations, if they paid the indebtedness on the covered motor vehicle loan or lease before the scheduled maturity or termination, they are automatically entitled to a refund of unearned premium from the credit life or disability insurance policy, regardless of notice to Defendant. The Defendant insists that under the policy and the applicable state laws and regulations, it is not required to refund the unearned premium until it receives notice of early loan payoff or lease termination. The Defendant denies it did anything wrong. 3. Why is this a class action? 5

6 In a class action, one or more people, called Class Representative sue on behalf of people who have similar claims. All these people are a Class or Class Members. One court resolves the issues for all Class Members, except for those who exclude themselves from the Class. Chief Judge Solomon Oliver, Jr. is in charge of this class action. 4. Why is there a settlement? The Court did not decide in favor of Plaintiffs or Defendant. Instead, both sides agreed to a settlement. That way, they avoid the cost of a trial, and the people affected will receive compensation. The Class Representative and the attorneys think the settlement is best for everyone in the class. WHO IS IN THE SETTLEMENT To see if you will receive money from this settlement, you first have to decide if you are a Class Member. 5. How do I know if I am a class member? In this case, everyone who fits the following description is a Class Member: all persons to whom Protective issued a single premium credit life or credit disability insurance policy in connection with a loan that originated at a motor vehicle dealer when financing or leasing a motor vehicle, where such policy either remains in force, or was scheduled to continue in force through its expiration to a date during the Class Period, 2 and who paid off their loan or lease in connection with the financing or leasing of that motor vehicle prior to the scheduled maturity date, but did not receive a full refund of unearned premium, subject to certain exclusions described below. 6. Which credit insurance products are included? All single premium credit life and disability policies issued by Defendant in connection with a loan that originated at a motor vehicle dealer when financing or leasing a motor vehicle where the records of Protective indicate that such loans or leases are in force or had a scheduled expiration 2 Depending on statute of limitations for the State where you purchased your policy, the Class Period begins on the following date: Alabama Sept. 7, 2004; Alaska Sept. 7, 2007; Arizona Sept. 7, 2004; Arkansas Sept. 7, 2005; California Sept. 7, 2006; Colorado Sept. 7, 2007; Connecticut Sept. 7, 2004; Delaware Sept. 7, 2007; District of Columbia Sept. 7, 2007; Florida Sept. 7, 2005; Georgia Sept. 7, 2004; Hawaii Sept. 7, 2004; Idaho Sept. 7, 2005; Illinois Sept. 7, 2000; Indiana Sept. 7, 2000; Iowa Sept. 7, 2000; Kansas Sept. 7, 2005; Kentucky Sept. 7, 1995; Louisiana Sept. 7, 2000; Louisiana Sept. 7, 2000; Maine Sept. 7, 2004; Maryland Sept. 7, 2007; Massachusetts Sept. 7, 2004; Michigan Sept. 7, 2004; Minnesota Sept. 7, 2004; Mississippi Sept. 7, 2007; Missouri Sept. 7, 2000; Montana Sept. 7, 2002; Nebraska Sept. 7, 2005; Nevada Sept. 7, 2004; New Hampshire Sept. 7, 2007; New Jersey Sept. 7, 2004; New Mexico Sept. 7, 2004; New York Sept. 7, 2004; North Carolina Sept. 7, 2007; North Dakota Sept. 7, 2004; Ohio Sept. 7, 1995; Oklahoma Sept. 7, 2005; Oregon Sept. 7, 2004; Pennsylvania Sept. 7, 2006; Rhode Island Sept. 7, 2000; South Carolina Sept. 7, 2007; South Dakota Sept. 7, 2004; Tennessee Sept. 7, 2004; Texas Sept. 7, 2006; Utah Sept. 7, 2004; Vermont Sept. 7, 2004; Virginia Sept. 7, 2005; Washington Sept. 7, 2004; West Virginia Sept. 7, 2000; Wisconsin Sept. 7, 2004; Wyoming Sept. 7, The Class Period ends on April 20,

7 date from the commencement of the Class Period in your State (see footnote 2) through April 20, 2012, where the indebtedness on the financing or leasing of the motor vehicle was paid before the scheduled end date of the policy, are included in this settlement. 7. Who is excluded from the class definitions? In this case, everyone who fits the following description is excluded from and not a member of the Class: All persons: (i) all individuals who received any payment of any claim under the coverage at issue, including but not limited to a claim benefit payment, (ii) individuals who are or were during the Class Period officers, directors or employees of Protective, (iii) individuals whose motor vehicle loans were discharged in bankruptcy, (iv) individuals whose coverage was terminated because the loan collateral was repossessed, (v) any justice, judge or magistrate judge of the United States or any State, their spouses, and persons within the third degree of relationship to either of them, or the spouses of such persons, (vi) all individuals who have already released or obtained a judgment against Protective on the claims raised in the Action, or against whom Protective obtained a judgment on the claims raised in the Action; (vii) all individuals who have or had purchased coverage on which unearned premiums were previously refunded; (viii) all individuals who, as of the date of the Preliminary Approval Order, have a pending lawsuit against Protective relating to the claims raised in the Action and are not represented by Plaintiffs Counsel (but only as to the individual plaintiffs, not as to any putative class that has not been certified by final unappealable order); (ix) all individuals whose coverage was rescinded; and (x) all individuals who timely request to be excluded from the Class. THE SETTLEMENT BENEFITS WHAT YOU RECEIVE 8. What does the settlement provide? Defendant has agreed to pay an unearned premium refund to class members who purchased single premium credit life and/or disability insurance from Defendant in connection with a loan that originated at a motor vehicle dealer when financing or leasing a motor vehicle, where class members paid off their loan or lease in connection with the financing or leasing of that motor vehicle prior to the scheduled maturity or termination date, but did not receive a refund of unearned premium, and make a timely certified and verified claim. 9. What will I receive from the settlement? If you submit a timely certified claim verified with acceptable documentation you will receive your unearned premium. HOW YOU RECEIVE A PAYMENT SUBMITTING A CLAIM FORM 10. How can I receive a payment? 7

8 To apply for a refund you must complete and mail back the Class Action Claim Form that was attached to the Mail Notice or downloaded from the Internet site. 1. Read the Claim Form Instructions carefully. 2. Fill out the form. 3. Attach the required verification documents listed in the Form. 4. Sign the form. Mail it postmarked no later than the date indicated in the Instructions. 11. When would I receive my payment? The Court will hold a final hearing on July 31, 2012 at 11:30 a.m. EDT, to decide whether to approve the settlement. If the Court approves the settlement and if there are objectors, it is possible, but unusual, for there to be appeals. Payments will not be made unless and until the settlement is approved by the Court and by any appeals court which may be asked to review the settlement approval. If this unusual event occurs, please be patient. 12. What am I giving up to receive a payment or to stay in the Class? Unless you exclude yourself, you are staying in the Class, and that means that you can not sue, continue to sue, or be part of any other lawsuit against Defendant about the legal issues in this case. It also means that all of the Court s orders will apply to you and legally bind you. You also agree to release all claims against Defendant, including all claims asserted in this litigation and claims relating to all acts or omissions relating to refunds on your credit life or disability insurance. However, if you have a pending or future claim or lawsuit relating to payment of policy benefits with Defendant, this settlement and release will not affect that claim or lawsuit. EXCLUDING YOURSELF FROM THE SETTLEMENT If you do not want a payment from this settlement, but you want to keep the right to sue or continue to sue Defendant on your own about the legal issues in this case, then you must take steps to get out. This is called excluding yourself from or is sometimes referred to as opting out of the settlement Class. 13. How do I get out of the settlement? To exclude yourself from the settlement, you must send a letter by mail saying that you want to be excluded from Townsend v. Protective Life Insurance Company, Case No. 1:10-cv-02365, in the United States District Court, Northern District of Ohio, Eastern Division. Be sure to include your name, address, telephone number, and your signature. You must mail your exclusion request postmarked no later than July 16, 2012, to: Townsend Unearned Premium Refund Settlement Clerk of the Court Geri M. Smith U.S.D.C. for the Northern District of Ohio P.O. Box Cleveland, Ohio

9 You cannot exclude yourself on the phone or by . If you exclude yourself, you will not receive any settlement benefits or the opportunity to make a claim for a premium refund, and you cannot object to the settlement. You will not be legally bound by anything that happens in this lawsuit. You may be able to sue (or continue to sue) Defendant in the future. 14. If I do not exclude myself, may I sue Defendant for the same thing later? No. Unless you exclude yourself, you give up the right to sue Defendant for the claims that this settlement resolves. If you have a pending lawsuit, speak to your lawyer in that lawsuit immediately. You must exclude yourself from this Class to continue your own lawsuit. Remember, the exclusion deadline is July 16, If I exclude myself, can I receive money from this settlement? No. If you exclude yourself, you may not send in a Claim Form to ask for any money. 16. Do I have a lawyer in this case? THE LAWYERS REPRESENTING YOU CHARLES BARRETT, P.C., 6518 Highway 100, Suite 210, Nashville, Tennessee, 37205; WEISMAN, KENNEDY & BERRIS CO., L.P.A., Suite 1600 Midland Building, 101 Prospect Avenue, West Cleveland, Ohio, 44115; and DON BARRETT, P.A., P.O. Box 927, 404 Court Square North Lexington, Mississippi, represent you and other Class Members in this case. These lawyers are called Class Counsel. If you want to be represented by your own lawyer, you may hire one at your own expense. 17. How will the lawyers be paid? Class Counsel will ask the Court for reimbursement of attorneys fees and expenses up to $1,375, Defendant will separately pay these fees and expenses. Defendant will not oppose these fees and expenses and will also separately pay the costs to administer the settlement. OBJECTING TO THE SETTLEMENT You can tell the Court that you do not agree with the settlement or some part of it. 18. How do I tell the Court that I do not like the settlement? If you are a Class Member, you may object to the settlement if you do not like any part of it. You can give reasons why you think the Court should not approve it. The Court will consider your 9

10 views. To object, you must send a letter saying that you object to the Townsend v. Protective Life Insurance Company, Case No. 1:10-cv-02365, in the United States District Court, Northern District of Ohio, Eastern Division, settlement. Be sure to include your name, address, telephone number, your signature, and the reasons you object to the settlement. Mail the objection to these five different places postmarked no later than July 16, 2012: COURT CLASS COUNSEL DEFENDANT'S COUNSEL Townsend Unearned Premium Refund Settlement Clerk of the Court Geri M. Smith U.S.D.C. for the Northern District of Ohio P.O. Box Cleveland, Ohio Daniel P. Goetz WEISMAN, KENNEDY & BERRIS CO., L.P.A. Suite 1600 Midland Building 101 Prospect Avenue, West Cleveland, Ohio Charles Barrett CHARLES BARRETT, P.C Highway 100 Suite 210 Nashville, TN Katharine A. Weber MAYNARD, COOPER & GALE, P.C AmSouth/Harbert Plaza 1901 Sixth Avenue North Birmingham, AL and Colin R. Jennings SQUIRE, SANDERS & DEMPSEY L.L.P Key Tower 127 Public Square Cleveland, Ohio What is the difference between objecting and excluding? Objecting is simply telling the Court that you do not like something about the settlement. You can object only if you stay in the Class. Excluding yourself is telling the Court that you do not want to be part of the Class. If you exclude yourself, you have no basis to object because the case no longer affects you. THE COURT S FAIRNESS HEARING The Court will hold a hearing to decide whether to approve the settlement. You may attend and you may ask to speak, but you do not have to. 20. When and where will the Court decide whether to approve the settlement? The Court will hold a Fairness Hearing at 11:30 a.m. EDT on July 31, 2012, in Courtroom 19A at the United States District Court for the Northern District of Ohio. At this hearing the Court will consider whether the settlement is fair, reasonable, and adequate. If there are objections, the Court will consider them. The Court will listen to people who have asked to speak at the hearing. 10

11 After the hearing, the Court will decide whether to approve the settlement. We do not know how long these decisions will take. 21. Do I have to come to the hearing? No. Class Counsel will answer any questions the Court may have. But, you are welcome to come at your own expense. If you send an objection, you do not have to come to court to talk about it. As long as you mailed your written objection on time, the Court will consider it. You may also pay your own lawyer to attend, but that is not necessary. 22. May I speak at the hearing? You may ask the Court for permission to speak at the Fairness Hearing. To do so, you must send a letter saying that it is your Notice of Intention to Appear in Townsend v. Protective Life Insurance Company, Case No. 1:10-cv Be sure to include your name, address, telephone number, and your signature. Your Notice of Intention to Appear must be postmarked no later than July 16, 2012, and be sent to the Clerk of the Court, Class Counsel, and Defendant's Counsel, at the five addresses in Section 18. You cannot speak at the hearing if you have excluded yourself. 23. What happens if I do nothing at all? IF YOU DO NOTHING If you do nothing, you ll get no money from this settlement. But, unless you exclude yourself, you won t be able to start a lawsuit, continue with a lawsuit, or be part of any other lawsuit against Defendant about the legal issues in this case, ever again. OBTAINING MORE INFORMATION 24. Are there more details about the settlement? This notice summarizes the proposed settlement. More details are in a Stipulation of Settlement. You can obtain a copy of the Settlement Agreement by visiting or by writing to Class Counsel --- CHARLES BARRETT, P.C., 6518 Highway 100, Suite 210, Nashville, Tennessee, 37205; WEISMAN, KENNEDY & BERRIS CO., L.P.A., Suite 1600 Midland Building, 101 Prospect Avenue, West Cleveland, Ohio, 44115; or DON BARRETT, P.A., P.O. Box 927, 404 Court Square North Lexington, Mississippi, DATE: April 20,

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