COLUMBIAN FINANCIAL GROUP ANNOUNCES THE COMPLETION OF THE
MERGER OF MUTUAL OF DETROIT INSURANCE COMPANY INTO
COLUMBIAN MUTUAL LIFE INSURANCE COMPANY

Binghamton, New York - December 1, 2008 - Columbian Financial Group, based in Binghamton, NY, announced today the completion of the merger of Mutual of Detroit Insurance Company, based in Plymouth. MI, with and into Columbian Mutual Life Insurance Company.

Mutual of Detroit policyholders become policyholders of Columbian Mutual and their policy provisions will not change. Employees will be maintained in Novi, MI as well as in Columbian Mutual's Home Office in Binghamton, NY and its Administrative Offices in Syracuse, NY and Atlanta, GA.

Effective October 15, 2011 the Columbian Financial Group Novi Administrative Service Office will no longer handle the payment of death claims, policy loans and cash surrenders. These will now be processed by our Binghamton office. Please direct all of your inquiries for such policy service to:

The Columbian Financial Group

4704 Vestal Parkway East

P.O. Box 1381

Binghamton, NY 13902-1381

(800) 423-9765

Premium payments will still be handled by our Novi office. We value your business and our Binghamton, New York office is committed to providing outstanding customer service.