Congratulations Protective Elite Agency Award Recipients! The agents pictured below are recognized for their outstanding achievements and superior performance from 2008 – 2009. Thank you to all of our loyal agents that represent Protective’s F&I products and services everyday! Front Row: Dan Stegman (Diversified Income Solutions), Scott Karchunas (Protective), Rick Roesel (Agency Services Consolidated, Inc.), Alan Tonkins (Tonkins & Son Insurance Plus) and Pat Heinsen (National Dealer Alliance Group). Back Row: Larry Stone (Cartel Marketing, Inc.), Jim Schaffer (Northeast Dealer Services), Rick Kurtz (Protective), Dennis Ninegar (Denco Dealer & Insurance Services), Brent Griggs (Protective) and Todd Bailey (National Dealer Alliance Group). Not Pictured: Cris Horton (Diversified Income Solutions), Josh Tonkins (Tonkins & Son Insurance Plus) and Tom O’Neil (O’Neil Financial Services Agency). Call today to find a Protective agent in your area. Vehicle Service Contracts I GAP Coverage I Credit Insurance Dealer Participation Programs I F&I Training I Advanced F&I Technology Serving Automotive Dealers Since 1962 866.904.5040 www.protective.com/dealerservices Vehicle Service Contracts (VSCs) and GAP are backed by Lyndon Property Insurance Company in all states except NY. In NY, Old Republic Insurance Company backs VSCs, and GAP is not available. Credit Insurance is backed by Protective Life Insurance Company in all states except NY, where it is backed by Protective Life and Annuity Insurance Company.