Dividend Reinvestment Plan

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

There is no cost to plan participants for purchasing additional shares of the company’s 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.

NOTE: Effective March 14, 2012, the Company temporarily suspended the issuance of shares of common stock under the dividend reinvestment and common stock purchase plan due to the late filing of an amendment to a Current Report on form 8-K with the Securities and Exchange Commission. The Company has recently become aware of an issue that will prevent the company from reinstating the Plan during the second quarter of 2013 as previously intended. Until this issue is resolved, the Plan will remain temporarily suspended, dividends will not be reinvested and optional cash purchases will not be permitted.

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.

Transfer Agent:
American Stock Transfer & Trust Company
6201 15th Avenue
Brooklyn, NY 11219
Phone: 866-666-1597 (designated number for EMCI stockholders only)
amstock.com