Dividend Reinvestment Plan

The Dividend Reinvestment and Common Stock Purchase 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.

For more information, write or call our transfer agent, or review the Dividend Reinvestment Plan Prospectus.

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