Retailers Mutual's first two years as a mutual insurance company have been exciting and successful ones after 25 years as one of Michigan's leading group self-insured funds. As we continue to grow and provide greater value to our policyholders, please keep in mind some of the important differences between Retailers Mutual and other insurance companies:

• Retailers Mutual is a Michigan-based company with more than 26 years experience
in the Michigan workers' compensation insurance market.

• We work with policyholders' independent insurance agents to provide the highest
level of personal customer service.

• We offer competitive rates and credits.

• With Retailers Mutual you enjoy “The Million-Dollar Difference” in coverage
protection. Our employer liability limits are $1 million/$1million/$1 million on all
policies, not the $100,000/$500,000/$100,000 limits that are standard with other
companies. Retailers Mutual does not charge additional premium for the $1 million
in protection.

• There is no additional charge for mandated protection against injuries caused by acts
of terrorism. Compare that to other companies that do charge for terrorism coverage.

• Retailers Mutual charges the lowest “expense constant” in the industry.

• Eligible policyholders get the most from premium discounts, because the discounts
begin with the first dollar of premium, not some higher level of premium.

• Retailers Mutual boasts one of the lowest minimum premiums in the industry, and the
minimum is uniform across all job classifications.

• We offer time payment options without adding service charges. We also offer
payment by credit card or deduction from your checking account without adding
service charges.