Margaret Ball’s career in insurance spans more than 40 years. She retired from EMCC in 2001 as senior vice president of underwriting. She received her Chartered Property Casualty Underwriter (CPCU) designation as well as many other insurance designations. Ball was inducted into the Iowa Insurance Hall of Fame in 2002.

George C. Carpenter III was executive director of Iowa Public Television from November 1985 until his retirement in 1993. Prior to that time, he served as vice president of Palmer Communications and as vice president and general manager of WHO Broadcasting Company, a division of Palmer Communications. He was employed by WHO Broadcasting Company for 20 years.

Bruce G. Kelley is president and chief executive officer of EMC Insurance Group Inc. and of Employers Mutual since 1992. He was treasurer of Employers Mutual from 1996 until 2000, and of EMC Insurance Group Inc. from 1996 until 2001. He was president and chief operating officer of EMC Insurance Group and of Employers Mutual from 1991 to 1992 and was executive vice president of both companies from 1989 to 1991. Kelley has been employed by Employers Mutual since 1985 and has been a director of the company since 1984.

Gretchen H. Tegeler served as a director of EMC National Life Company from 2003 until her appointment to Group's board. Since 2002, Ms. Tegeler has served as State Vice President, Midwest Division, of the American Cancer Society, serving Iowa and South Dakota. Ms. Tegeler was Director, Government Relations, 1999-2002; and Director of Business Development, 1999-2000 for McLeod USA Telecommunications, Inc. She was Chief of Staff to Iowa Governor, Terry E. Brandstad, 1998-1999; and Director, Iowa Department of Management, 1990-1998.

Raymond A. Michel is a member of the Board of Directors of Koss Construction Company, a highway and airport construction firm, and was its chairman and chief executive officer from 1972 until his retirement in 1989. He has been affiliated with Koss Construction in one capacity or another since 1955.

Robert L. Howe spent thirty-eight years at the Iowa Insurance Division. He retired in 2002 as the Deputy Commissioner and Chief Examiner. Following his retirement from the Division, Mr. Howe became an insurance industry consultant with Insurance Strategies Consulting, L.L.C. Mr. Howe is a Certified Financial Examiner, a Certified Insurance Examiner and a Certified Government Financial Manager.

Stephen A. Crane is an independent corporate governance consultant who has had over 30 years of experience in the property and casualty insurance business. He was CEO of AlphaStar Insurance Group Limited from 1999 to 2004. Prior to that, he served as CEO of Gryphon Holdings Inc. and G.L. Hodson & Son. He was also CFO of Corron & Black Corporation and Orion Capital Corporation. He is a member of the Board of Directors of First Security Benefit Life Insurance and Annuity Company of New York, WNC Holding Corp. and Green Bullion Financial Services, LLC.