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NOTICE TO POLICYHOLDERS <br />Dear Policyholder <br />On the declaration page of your insurance policy you will find important information about your insurance <br />coverage, including the policy premium. Baldwin & Lyons, Inc. and its subsidiary insurers ['Protective'] believes <br />that it is important for policyholders to know that the insurance premium you pay for this policy includes not only <br />the cost for the insurance provided by Protective but it may also include the compensation we may pay to the <br />insurance producer who has arranged for the placement of your insurance with Protective. <br />We at Protective are committed to full transparency concerning the amount of premium allocated to insurance <br />producer compensation. In the event that you have a question about the amount of compensation paid to the <br />insurance producer for your insurance policy, we encourage you to contact your insurance producer. <br />Thank you for insuring with Protective. <br />Disleosure 9.2011 Page 1 of 1