NOTE ON FORWARD-LOOKING STATEMENTS This Annual Report on Form 10-K for the year ended December 31, 2021, of RenaissanceRe Holdings Ltd. contains forward-looking statements within the meaning of Section 27A of the Securities Act and Section 21E of the Exchange Act. Forward-looking statements are necessarily based on estimates and assumptions that are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which, with respect to future business decisions, are subject to change. These uncertainties and contingencies can affect actual results and could cause actual results to differ materially from those expressed in any forward-looking statements made by, or on behalf of, us. In particular, statements using words such as “may,” “should,” “estimate,” “expect,” “anticipate,” “intend,” “believe,” “predict,” “potential,” or words of similar import generally involve forward-looking statements. For example, we may include certain forward-looking statements in “Management’s Discussion and Analysis of Financial Condition and Results of Operations” with regard to trends in results, prices, volumes, operations, investment results, margins, combined ratios, fees, reserves, market conditions, risk management and exchange rates. This Form 10-K also contains forward-looking statements with respect to our business and industry, such as those relating to our strategy and management objectives, market standing and product volumes, competition and new entrants in our industry, industry capital, insured losses from loss events, government initiatives and regulatory matters affecting the reinsurance and insurance industries. The inclusion of forward-looking statements in this report should not be considered as a representation by us or any other person that our current objectives or plans will be achieved. Numerous factors could cause our actual results to differ materially from those addressed by the forward-looking statements, including the following: • our exposure to natural and non-natural catastrophic events and circumstances and the variance they may cause in our financial results; • the effect of climate change on our business, including the trend towards increasingly frequent and severe climate events; • the effectiveness of our claims and claim expense reserving process; • the effect of emerging claims and coverage issues; • the highly competitive nature of our industry, resulting in consolidation of competitors, customers and (re)insurance brokers, and our reliance on a small and decreasing number of brokers; • the historically cyclical nature of the (re)insurance industries; • collection on claimed retrocessional coverage, and new retrocessional reinsurance being available on acceptable terms; • the ability of our ceding companies and delegated authority counterparties to accurately assess the risks they underwrite; • our ability to maintain our financial strength ratings; • the impact of large non-recurring contracts and reinstatement premiums on our financial results; • our ability to attract and retain key executives and employees; • the effect of cybersecurity risks, including technology breaches or failure; • the performance of our investment portfolio and financial market volatility; • the effects of inflation; • our ability to successfully implement our business, strategies and initiatives, and the success of any of our strategic investments or acquisitions, including our ability to manage our operations as our product and geographical diversity increases; • our exposure to credit loss from counterparties; • our need to make many estimates and judgments in the preparation of our financial statements; • our ability to effectively manage capital on behalf of investors in joint ventures or other entities we manage; 1