Investing in EMCI

The Amended and Restated Dividend Reinvestment and Common Stock Purchase Plan (the Plan) provides all registered holders of the company’s common stock with a simple and convenient method of purchasing additional shares of common stock automatically with all or part of their cash dividends. The plan also provides for optional cash payments of up to $5,000 per month, free custodial service for depositing common stock certificates and the ability to sell shares of common stock through the plan.

No brokerage commissions, service charges or fees will be charged to plan participants for purchasing additional shares of common stock through the plan. Plan participants will incur a modest administrative charge and applicable broker fees in connection with the sale of shares through the plan.

More information about the plan can be obtained by calling American Stock Transfer & Trust Company, LLC, the Company's stock transfer agent and plan administrator.

American Stock Transfer & Trust Company, LLC
6201 15th Avenue
Brooklyn, NY 11219

866-666-1597 (toll-free number designated for EMCI stockholders)
www.astfinancial.com

EMC Insurance Companies
717 Mulberry Street | P.O. Box 712 |
Des Moines, Iowa 50306-0712

800-447-2295