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PROTECTIVE LIFE INSURANCE COMPANY P.O. BOX 2606 BIRMINGHAM, AL 35202 ... O V E R R I D E S T A T E M E N T

PROTECTIVE LIFE AND ANNUITY INSURANCE COMPANY P.O. BOX 193892 SAN FRANCISCO, CA 94119-3892 ... O V E R R I D E S T A T E M E N T