Document:

Exhibit 4(m)

 

PROTECTIVE LIFE AND ANNUITY INSURANCE
COMPANY  •  {P. O. BOX 10648  • 
BIRMINGHAM,  ALABAMA  35202-0648}

 

MEDICAL EVALUATION FOR ENHANCED GMWB WITHDRAWAL PERCENTAGES

 

We are amending the Guaranteed Minimum
Withdrawal Benefit Rider included with your Contract to describe the
availability of enhanced GMWB Withdrawal Percentages for Covered Persons with
certain qualifying medical conditions.

 

Enhanced GMWB Withdrawal
Percentage:  If the waiting period has elapsed and you have
not established the Benefit Election Date under your current Guaranteed Minimum
Withdrawal Benefit Rider, you may request a medical evaluation to determine if
the Covered Person – or the older of both of the Covered Persons – qualifies
for a higher GMWB Withdrawal Percentage. We will not medically evaluate any
Covered Person who is older than age { 75 } at the time we receive the request.

 

We, in
our sole discretion, establish the criteria that qualify a Covered Person for
an enhanced GMWB Withdrawal Percentage and determine the associated GWMB
Withdrawal Percentage enhancement.

 

From time to time, we will establish the
criteria for qualification of a Covered Person and the associated GMWB
Withdrawal Percentage enhancement, if any. When establishing these criteria, we
will consider factors such as, our judgment of: 
the Covered Person(s)’ medical condition; the efficacy of current and
future treatment modalities; general market conditions including the
performance of the Benefit Allocation Models; and, our experience and actuarial
assumptions for the GMWB Rider at the time we receive the request for a medical
evaluation. We will apply these criteria equitably to all Covered Persons. Since
each of these factors will vary over time, our decision regarding any
individual request for a medical evaluation is not representative of the
decision we will reach at any time in the future.

 

Waiting Period:  You may not request a medical evaluation prior to the later of { two years } after: a) the
Contract Effective Date; or, b) the date of the most recent change of Owner.

 

Requesting a Medical Evaluation: You must request a medical evaluation by
Written Notice prior to establishing the Benefit Election Date and before the
proposed Covered Person(s)’ { 76th } birthday. We will require proof of the Covered Person(s)’
age and a valid, properly executed Medical Authorization in order to obtain
medical records. We will begin the evaluation process promptly upon our receipt
of the necessary forms in good order. You may, but are not required to, include
any medical records in your possession that you would like us to consider.
After we conclude the medical evaluation, we will send you our decision in
writing. Any enhanced GMWB Withdrawal Percentage we offer expires 6 months
after the date of our written decision notice to you.

 

Accepting the Enhanced GMWB
Withdrawal Percentage:  You accept the enhanced GMWB Withdrawal
Percentage offer by establishing a Benefit Election Date within 6 months of the
date of a written decision notice containing the enhanced GMWB Withdrawal
Percentage offer. If you do not accept our enhanced GMWB Withdrawal Percentage
offer before it expires, you must wait at least one year from the date of our
written decision notice before requesting a subsequent  medical evaluation.

 

Cost of the Medical Evaluation:  If
you request a medical evaluation and accept our offer for an enhanced GMWB
Withdrawal Percentage, we will assess a fee to cover the costs associated with
your request. The fee is currently { $150 } per Covered Person. The fee is subject to change but will
never exceed $300 per Covered Person. The fee will be deducted from the
Contract Value as of the Valuation Period that contains the Benefit Election
Date on which you accept our enhanced GMWB Withdrawal Percentage offer.

 

We will assess the medical evaluation fee for
each medical evaluation you request after the second, regardless of whether we
make an enhanced GMWB Withdrawal Percentage offer or whether it is accepted. In
these cases, we will assess the current fee at the time you request a third or
subsequent medical evaluation.

 

Signed for the Company and made a part of the
Contract as of the GMWB Rider Effective Date.

 

PROTECTIVE LIFE AND ANNUITY INSURANCE COMPANY

 

	
  

  	
   

  
	
  { Secretary }Exhibit 4(n)

 

PROTECTIVE LIFE AND ANNUITY INSURANCE COMPANY
 •  {P. O. BOX 10648  •  BIRMINGHAM, 
ALABAMA  35202-0648}

 

WAIVER OF SURRENDER CHARGE ENDORSEMENT

for Terminal Illness or Nursing Home Confinement

 

We are amending the Contract to
which this endorsement is attached by adding the following provisions:

 

Waiver of Surrender Charge -
We will waive any applicable surrender charge if, at any time after the first
Contract Year:

 

(1)                                  you
are first diagnosed as having a terminal illness by a physician that is not
related to you or the Annuitant; or,

 

(2)           you
enter, for a period of at least ninety (90) days, a facility which is both:

 

(a)           licensed
by the state; and,

 

(b)           qualified
as a skilled nursing home facility under Medicare or Medicaid.

 

The term “terminal
illness” means that you are diagnosed as having a non-correctable medical
condition that, with a reasonable degree of medical certainty, will result in
your death in less than 12 months. A “physician” is a medical doctor licensed
by a state’s Board of Medical Examiners, or similar authority in the United
States, acting within the scope of his or her license. You must submit written
proof that is satisfactory to us of a terminal illness or nursing home
confinement. We reserve the right to require an examination by a physician of
our choice at our expense.

 

Once the
waiver of surrender charge has been granted no surrender charge will apply to
the Contract in the future and no additional Purchase Payments will be
accepted.

 

If any Owner
is not an individual, the Waiver of Surrender Charge provisions apply to the
Annuitant.

 

Signed for the Company and made
a part of the Contract as of the Effective Date.

 

PROTECTIVE LIFE AND ANNUITY INSURANCE
COMPANY

 

	
  

  	
   

  
	
  {Secretary}Exhibit 4(o)

 

PROTECTIVE LIFE AND ANNUITY INSURANCE COMPANY
 •  {P. O. BOX 10648  •  BIRMINGHAM, 
ALABAMA  35202-0648}

 

CONTRACT VALUE ANNUAL BONUS ENDORSEMENT

 

We are amending the Contract to
which this endorsement is attached by adding the following statement and provisions:

 

Bonus - This
Contract provides a Bonus shown on the Schedule page. The Bonus will be
credited by us in a nondiscriminatory manner and consistent with New York law.

 

Annual
Bonus - Beginning
on the { Mth } Contract Anniversary and continuing up to
the Annuity Commencement Date while the Contract remains in force, we will
calculate an Annual Bonus and add that amount to the Contract Value. The Annual
Bonus is calculated as of the end of the Valuation Period that includes the
Contract Anniversary.

 

Calculating
the Annual Bonus - We calculate the Annual Bonus by
multiplying the Contract Value as of the Contract Anniversary for which the
bonus is being calculated by the Annual Bonus rate for that Contract
Anniversary as shown on your Schedule.

 

Applying
the Annual Bonus - We will add the Annual Bonus as of
the Valuation Period immediately following the Valuation Period during which it
was calculated. We will apply the bonus to the Contract according to the
Purchase Payment allocation instructions in effect on that date, but the Annual
Bonus will not be considered a Purchase Payment for any purpose.

 

Signed for the Company and made
a part of the Contract as of the Effective Date.

 

PROTECTIVE LIFE AND ANNUITY INSURANCE
COMPANY

 

	
  

  	
   

  
	
  { Secretary }Exhibit 10(a)

 

[Sutherland Asbill &
Brennan LLP]

 

      STEPHEN E. ROTH

   DIRECT LINE: 202.383.0158

Internet:
steve.roth@sablaw.com

 

December 19, 2007

 

Board of Directors

Protective Life and Annuity Insurance Company

2801 Highway 201 South

Birmingham, Alabama 35223

 

Directors:

 

We hereby consent to the reference to our
name under the caption “Legal Matters” in the statement of additional
information filed as part of pre-effective amendment number 1 to the
registration statement on Form N-4 (File No. 333-146508) filed by
Protective Life and Annuity  Insurance
Company and Variable Annuity Account A of Protective Life with the Securities
and Exchange Commission.  In giving this
consent, we do not admit that we are in the category of persons whose consent
is required under Section 7 of the Securities Act of 1933.

 

	
   

  	
  Sincerely,

  
	
   

  	
   

  
	
   

  	
  SUTHERLAND ASBILL & BRENNAN LLP

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  By: 

  	
    /s/ Stephen E. Roth

  	
   

  
	
   

  	
   

  	
     Stephen
  E. RothExhibit 10(b)

 

CONSENT OF INDEPENDENT
REGISTERED PUBLIC ACCOUNTING FIRM

 

We hereby consent to the use in this Registration
Statement on Form N-4 (File No. 333-146508) of our report dated April 13,
2007relating to the financial statements and financial statement schedules of
Protective Life and Annuity Insurance Company, which appears in such
Registration Statement. We also consent to the use in this Registration
Statement on Form N-4 of our report dated April 27, 2007, relating to the
financial statements of The Variable Annuity Account A of Protective Life,
which appears in such Registration Statement. We also consent to the references
to us under the headings “Experts” and “Financial Statements” in such
Registration Statement.

 

 

PricewaterhouseCoopers LLP

Birmingham, Alabama

December 19, 2007Exhibit 10.1

 

                                        ,
200

 

Ladies
and Gentlemen:

 

I
am discussing with Tuesday Morning Corporation, a Delaware corporation
(together with its subsidiaries and affiliates, the “Company”), the possibility
of becoming a director.  In that regard
or in connection with serving as a director, I may be provided certain
information and data which the Company wishes to keep confidential, including,
but not limited to, information regarding the Company’s governance, board of
directors, management, plans, strategies, business, finances or operations,
including information relating to financial statements, evaluations, plans,
programs, customers, plants, equipment and other assets, products, processes,
manufacturing, marketing, research and development, know-how and technology,
intellectual property and trade secrets and information which the Company has
obtained from third parties and with respect to which the Company is obligated
to maintain confidentiality (collectively, the “Confidential Information”).  Except as provided in this Letter Agreement
or as required by Delaware law based on my fiduciary duties as a director of
the Company, I will not disclose any of the Confidential Information to third
parties or use any of the Confidential Information other than in connection
with serving as a director of the Company or evaluating becoming such a
director, without in each instance securing the prior written consent of the
Company.

 

Confidential Information
does not include information which (a) is or becomes known publicly
through no fault of mine; (b) I have learned from a third party who I
believe in good faith is entitled to disclose it; (c) which is already
known to me before disclosure by the Company; or (d) is independently
developed by me.

 

Nothing contained in this
Letter Agreement prevents me from disclosing Confidential Information to (i) officers,
directors, accountants and counsel for the Company, (ii) to my counsel or (iii) to
my advisors who need to know the information to advise me and who sign a
non-disclosure agreement providing equivalent protection to the Company as is
provided under this Letter Agreement.

 

If
I am requested or become legally compelled (by deposition, interrogatory,
request for documents, subpoena, civil investigative demand or similar process)
to disclose any Confidential Information, I will use reasonable best efforts to
provide the Company with notice of such request or requirement so that the
Company may seek a protective order or other appropriate remedy and/or waive
compliance with the terms of this Letter Agreement.  In the event that a protective order or other
remedy is not obtained, or that the Company waives compliance, I may furnish
such portion of the Confidential Information that I am legally required to
disclose and will use reasonable efforts to obtain assurance that confidential
treatment will be accorded the Confidential Information.

 

 

 

                                ,
200

Page
2

 

I
agree that my obligations under this Letter Agreement will expire three years
following the termination of my tenure as a director of the Company.

 

This
Letter Agreement shall be governed and construed under the laws of the State of
Delaware, without regard to conflict of laws principles.

 

Very
truly yours,

 

Acknowledged
this            day of
                                            ,
200

 

TUESDAY
MORNING CORPORATION

 

	
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  Name:

  	
   

  	
   

  
	
  Title:

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