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Exhibit 4(d)  

	PROTECTIVE LIFE INSURANCE COMPANY	 	P. O. BOX 2606	 	BIRMINGHAM, ALABAMA	 	35202-2606
	

 
 

ENHANCED SPOUSAL CONTINUATION BENEFIT ENDORSEMENT    
    

This
endorsement amends the Contract to which it is attached by adding the following provisions and making them a part of the Contract as of its Effective Date: 

Enhanced Spousal Continuation Benefit

If a Beneficiary who is the surviving spouse of a deceased Owner elects, in lieu of receiving the death benefit, to continue the Contract and become the new Owner as provided in the Contract, we will
add to the Contract Value an amount equal to the positive difference, if any, between: 1) the value of the Contract's death benefit; and, 2) the Contract Value; both determined as of the
date we receive due proof of death. We will allocate the amount we add according to the Purchase Payment instructions then in effect, but the amount we add will not be considered a Purchase Payment. 

All
other provisions of your Contract not contrary to the terms of this endorsement remain in full force and effect. 

PROTECTIVE
LIFE INSURANCE COMPANY 

	

 	 	 
	Secretary	 	 

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Exhibit 4(e)  

	PROTECTIVE LIFE INSURANCE COMPANY	 	P. O. BOX 10648	 	BIRMINGHAM, ALABAMA	 	35202-0648
	

 
 

AIRLINE MILEAGE PROGRAM ENDORSEMENT    
    

The
provisions in this Endorsement are added to and made a part of the Contract to which it is attached as of the Effective Date. 

	1.
	Airline Mileage Program—As of the Effective Date of this Contract, we participate in certain airline mileage programs and
will credit points in the form of "miles" to the airline mileage program you specify in accordance with the terms of this endorsement and the rules of the airline mileage program you select. You must
provide us, in Writing, with the information necessary to credit the miles to your airline mileage program account.

	2.
	Mileage Credit—We will credit miles to your airline mileage program account based on your initial Purchase Payment. Miles
for subsequent Purchase Payments may be credited to your airline mileage program account at our sole discretion based, in part, on our continued participation in the airline mileage program you have
selected. Purchase Payments for which we will credit your account in an airline mileage program are called "eligible" Purchase Payments. Mileage credit for eligible Purchase Payments will be based on
the 'miles per dollar' rate in effect for your airline mileage program at the time we receive your Purchase Payment. We, in our sole discretion, establish the 'miles per dollar' rate for eligible
Purchase Payments. The 'miles per dollar' rate may be more or less than one mile per dollar. We may establish different rates for initial and subsequent Purchase Payments. Because these rates may vary
from time to time, mileage credited for the same class of eligible Purchase Payments made at different times may be credited at different rates. Upon request, we will advise you of the current miles
per dollar rate for each class of eligible Purchase Payments.

	

	Generally,
we will notify your airline mileage program of the number of miles to credit to your account within {90} days of the date we receive an eligible
Purchase Payment. However, we cannot be responsible for the timing or accuracy of the administration of the airline mileage program. No mileage will be credited until a Contract is delivered to you.
No mileage will be credited if you end your participation in this Contract under the "Right to Cancel" provision. No mileage will be credited if you do not have a valid account in the airline mileage
program at the time we attempt to credit miles to your airline mileage program account. 

1

 
	3.
	Relationship of Protective Life to Airline Mileage Programs—Protective Life Insurance Company does not own, manage,
administer nor represent any airline mileage program. We do not guarantee the continued operation of any airline mileage program in which we participate. Each airline mileage program establishes its
own rules and may change those rules from time to time. We specifically disclaim any responsibility for the operation of any airline mileage program, its rules and rule changes, including the type,
availability or cost of any award offered by the airline mileage program. The use of any miles we credit to your airline mileage program account, as well as miles you accumulate from other sources,
may be subject to severe limitation by the airline mileage program, as well as applicable state and federal laws and regulations. Information provided to you in writing, or any other method, by an
airline mileage program is not a part of this Contract and does not effect the rights or duties of any party to this Contract. 

Signed
for the Company as of the Effective Date. 

PROTECTIVE
LIFE INSURANCE COMPANY 

	

 	 	 
	Secretary	 	 

2

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EXHIBIT 4.1  

 
 

DIAMOND DISCOVERIES INTERNATIONAL CORP.
  2003 STOCK INCENTIVE PLAN    
    

        The purpose of the Diamond Discoveries International Corp. 2003 Stock Incentive Plan (the "Plan") is to provide
(a) designated employees (including employees who are also officers or directors) of Diamond Discoveries International Corp. and its subsidiaries (the  "Company"), (b) certain consultants and
advisors to the Company, and (c) non-employee members of the Board of Directors of the
Company (the "Board") with the opportunity to receive grants of incentive stock options and nonqualified stock options
("Options") and restricted stock awards ("Restricted Stock Awards") and Stock Appreciation Rights,
Performance Shares, Dividend Equivalent Payments, and Other Stock Based Awards ("Options,""Restricted Stock
Awards," and "Stock Appreciation Rights," are collectively referred to herein as  "Awards"). 

        1.    Administration.    The Plan will be administered by the compensation committee (the  "Committee") of the Board. If no compensation committee is appointed, all references in the Plan to the  "Committee" shall be deemed to refer to the Board. The Committee
shall have the sole authority to (i) determine the individuals to whom Awards
shall be granted under the Plan, (ii) determine the type, size, and terms of the Awards to be granted to each such individual, (iii) determine the time when the Awards will be granted
and the duration of any applicable exercise period, including the criteria for exercisability and the acceleration of exercisability, and (iv) deal with any other matters arising under the
Plan. The Committee shall have full power and authority to administer and interpret the Plan, to make factual determinations and to adopt or amend such rules, regulations, agreements, and instruments
for implementing the Plan and for the conduct of its business as it deems necessary or advisable, in its sole discretion. The Committee's interpretations of the Plan and all determinations made by the
Committee pursuant to the powers vested in it hereunder shall be conclusive and binding on all persons having any interest in the Plan or in any awards granted hereunder. All powers of the Committee
shall be executed in its sole discretion, in the best interest of the Company, not as a fiduciary, and in keeping with the objectives of the Plan and need not be uniform as to similarly situated
individuals. 

        2.    Shares Subject to the Plan.    The aggregate number of shares of common stock of the Company
("Company Stock") that may be issued under the Plan is Fifteen Million (15,000,000) shares. The shares may be authorized but unissued shares of Company
Stock or reacquired shares of Company Stock, including shares purchased by the Company on the open market for purposes of the Plan. If and to the extent Awards granted under the Plan terminate,
expire, or are canceled, forfeited, exchanged, or surrendered without having been exercised, the shares subject to such Awards shall again be available for purposes of the Plan. 

        3.    Eligibility for Participation.    All employees of the Company
("Employees"), including Employees who are officers or members of the Board, and members of the Board who are not Employees
("Non-Employee Directors") shall be eligible to participate in the Plan. Consultants and advisors who perform services to the Company
("Key Advisors") shall be eligible to participate in the Plan if the Key Advisors render bona fide services and such services are not in connection with
the offer or sale of securities in a capital-raising transaction. Employees, Key Advisors, and Non-Employee Directors who receive Awards under this Plan shall hereinafter be referred to as  "Grantees".

        4.    Options.    Options granted under the Plan may be incentive stock options ("Incentive
Stock Options") or nonqualified stock options ("Nonqualified Stock Options"). All Awards shall be subject to the terms and
conditions set forth herein and to such other terms and conditions consistent with the Plan as the Committee deems appropriate and as are specified in writing by the Committee to the individual in a
grant instrument (the "Grant Instrument") or an amendment to the Grant Instrument. The Committee shall approve the form and provisions of each Grant
Instrument. Incentive Stock Options may be granted only to Employees. Nonqualified Stock Options may be granted to Employees, 

Non-Employee
Directors, and Key Advisors. The purchase price (the "Exercise Price") of Company Stock subject to an Option shall be
determined by the Committee, provided however, that (x) the Exercise Price of an Incentive Stock Option shall be equal to, or greater than, the
Fair Market Value of a share of Company Stock on the date the Incentive Stock Option is granted unless such Employee, at the time of grant, owns stock possessing more than 10 percent of the
total combined voting power of all classes of stock of the Company or any parent or subsidiary of the Company, in which event the Exercise Price per share shall be not less than 110% of the Fair
Market Value of Company Stock on the date of grant. Fair Market Value per share shall be the mean between the last reported "bid" and  "asked" prices of
Company Stock on the relevant date. 

        5.    Restricted Stock Awards.    The Committee may grant Restricted Stock Awards pursuant to the Plan. Restricted
Stock Awards may be granted to Employees, Non-Employee Directors, and Key Advisors. Such Restricted Stock Awards shall be in any form the Committee deems appropriate, including but not
limited to, stock for converted options, stock bonuses, and stock purchase rights. Each Restricted Stock Award shall be evidenced by a Grant Instrument. A Grantee's right to retain a Restricted Stock
Award may be subject to such restrictions, including, but not limited to, continuous employment by the Company for a specified period, as the Committee deems appropriate. The Committee may, in its
sole discretion, require different periods of employment and objectives with respect to different Grantees, different Restricted Stock Awards, or designated portions of a single Restricted Stock
Award. Company Stock subject to a Restricted Stock Award shall be issued and delivered at the time of the grant or as otherwise determined by the Committee, and may be free trading or may be subject
to forfeiture until provided otherwise in the Grant Instrument or the Plan. Grants of Restricted Stock Awards shall be made at such cost to the Grantee as the Committee shall determine and may be
issued in consideration for past services actually rendered to or for the benefit of the Company. 

        6.    Stock Appreciation Rights.    The Committee may grant Stock Appreciation Rights under the Plan. A Stock
Appreciation Right is a right to receive a payment equal to the excess of the (i) Fair Market Value of the shares of Common Stock covered by such right as of the date of exercise or termination
over (ii) such amount as is determined by the Committee at the time the Stock Appreciation Right is granted; such grants may be made individually or in tandem with Options. Each Stock
Appreciation Right shall be evidenced by an Agreement and shall be in such form and shall contain such terms and conditions as the Committee shall deem appropriate. If Stock Appreciation Rights are
granted in tandem with an Option, the exercise of the Option shall cause a proportional reduction in Stock Appreciation Rights standing to a Grantee's credit; the payment of Stock Appreciation Rights
shall cause a proportional reduction of the number of shares of Common Stock exercisable under such Option. If Stock Appreciation Rights are granted in tandem with an Incentive Stock Option, the Stock
Appreciation Rights shall have such terms and conditions as shall be required for the Incentive Stock Option to qualify as an Incentive Stock Option. Upon electing to receive payment of a Stock
Appreciation Right, a Grantee shall receive payment in cash, in Common Stock, in any combination of cash and Common Stock, or in such other form as the Committee shall determine. Stock Appreciation
Rights shall be paid by the Company to a Grantee, to the extent payment is elected by the Grantee (and is otherwise due and payable), as soon as practicable after the date on which such election is
made. 

        7.    Amendment and Termination of the Plan.    The Board may amend or terminate the Plan at any time; provided,
however, that any amendment to the Plan that requires stockholder approval shall be submitted to a vote of stockholders in order to comply with Section 162(m) of the Code if such Section is
applicable to the Plan. The Plan shall terminate on the day immediately preceding the tenth anniversary of its effective date unless terminated earlier by the Board or unless extended by the Board
with the approval of the stockholders. 

        8.    Administrative Provisions.    

        (a)    Governing Document. The Plan shall be the controlling document. No other statements, representations, explanatory
materials or examples, oral or written, may amend the Plan in any 

manner.
The Plan shall be binding upon and enforceable against the Company and its successors and assigns. 

        (b)    Rights of Participants. Nothing in this Plan shall entitle any Employee, Key Advisor or other person to any claim or
right to be granted an Award under this Plan. Neither this Plan nor any action taken hereunder shall be construed as giving any individual any rights to be retained by or in the employ of the Company
or any other employment rights. 

        (c)    Headings. Section headings are for reference only. In the event of a conflict between a title and the content of a
section, the content of the section shall control. 

        (d)    Effective Date of the Plan. This Plan was adopted by the Board of Directors on May 30, 2003. 

        (e)    Certain Awards. Nothing contained in this Plan shall be construed to (a) limit the right of the Committee to grant
Awards under this Plan in connection with the acquisition, by purchase, lease, merger, consolidation or otherwise, of the business or assets of any corporation, firm or association, including Awards
granted to employees thereof who become Employees of the Company, or for other proper corporate purpose, or (b) limit the right of the Company to grant stock options or restricted stock awards
or to grant stock appreciation rights, performance shares, dividend equivalent payments or other stock based awards or make other awards outside of this Plan. Without limiting the foregoing, the
Committee may grant Awards to an employee of another corporation who becomes an Employee by reason of a corporate merger, consolidation, acquisition of stock or property, reorganization or liquidation
involving the Company in substitution for a stock option or restricted stock award made by such corporation. The Committee shall prescribe the provisions of the substitute Awards. 

        (f)    Compliance with Law. The Plan, the grant and exercise of Awards, and the obligations of the Company to issue or transfer
shares of Company Stock under Awards shall be subject to all applicable laws and to approvals by any governmental or regulatory agency as may be required. The Committee may revoke any grant if it is
contrary to law or modify a grant to bring it into compliance with any valid and mandatory government regulation. The Committee may also adopt rules regarding the withholding of taxes on payments to
Grantees. The Committee may, in its sole discretion, agree to limit its authority under this section. 

        (g)    Ownership of Stock. A Grantee or Successor Grantee shall have no rights as a stockholder with respect to any shares of
Company Stock covered by an Award until the shares are issued or transferred to the Grantee or Successor Grantee on the stock transfer records of the Company. Once an Award is exercised, the purchaser
shall have the rights equivalent to those of a stockholder, and shall be a stockholder when his or her purchase is entered upon the records of the duly authorized transfer agent of the Company. No
adjustment will be made for a dividend or other right for which the record date is prior to the date the Award is exercised. 

        (h)    Governing Law. The validity, construction, interpretation, and effect of the Plan and Grant Instruments issued under the
Plan shall exclusively be governed by and determined in accordance with the laws of the State of New York. 

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DIAMOND DISCOVERIES INTERNATIONAL CORP. 2003 STOCK INCENTIVE PLAN

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