“Q4 2020 Weather-Related Catastrophe Events” Hurricanes Zeta, Delta, Hurricane Eta and wildfires on the West Coast of the United States during the fourth quarter of 2021 “REMS©” Renaissance Exposure Management System “Renaissance Reinsurance” Renaissance Reinsurance Ltd. “Renaissance Reinsurance of Europe” Renaissance Reinsurance of Europe Unlimited Company “Renaissance Reinsurance U.S.” Renaissance Reinsurance U.S. Inc. “RenaissanceRe CCL” RenaissanceRe Corporate Capital (UK) Limited “RenaissanceRe Group” RenaissanceRe group of companies “RenaissanceRe Specialty U.S.” RenaissanceRe Specialty U.S. Ltd. “RenaissanceRe UK” RenaissanceRe (UK) Limited “RenaissanceRe” RenaissanceRe Holdings Ltd. “RFM” RenaissanceRe Fund Management Ltd. “RREAG, Australia Branch” RenaissanceRe Europe AG, Australia Branch “RREAG, Bermuda Branch” RenaissanceRe Europe AG, Bermuda Branch “RREAG, UK Branch” RenaissanceRe Europe AG, UK Branch “RREAG, US Branch” RenaissanceRe Europe AG, US Branch “RREAG” RenaissanceRe Europe AG “RSML” RenaissanceRe Syndicate Management Ltd. “RUM” Renaissance Underwriting Managers, Ltd. “S&P” Standard and Poor’s Rating Services “SEC” U.S. Securities and Exchange Commission “Securities Act” Securities Act of 1933, as amended “SPI” special purpose insurer “SST” Swiss Solvency Test “State Farm” State Farm Mutual Automobile Insurance Company “Syndicate 1458” RenaissanceRe Syndicate 1458 “TMR” collectively, Tokio Millennium Re AG and certain associated entities and subsidiaries “Top Layer Re” Top Layer Reinsurance Ltd. “Tower Hill Companies” collectively, our investments in a group of Tower Hill affiliated companies including Bluegrass Insurance Management, LLC, Tower Hill Claims Service, LLC, Tower Hill Holdings, Inc., Tower Hill Insurance Group, LLC, Tower Hill Insurance Managers, LLC, Tower Hill Re Holdings, Inc., Tower Hill Signature Insurance Holdings, Inc., Tower Hill Risk Management LLC and Tomoka Re Holdings, Inc. “U.K.” United Kingdom “U.S. persons” a citizen or resident of the United States, a U.S. partnership or corporation, or an estate or trust that is not a foreign estate or trust “U.S. Treasury” U.S. Department of the Treasury “U.S.” United States of America “Upsilon Fund” RenaissanceRe Upsilon Fund Ltd. “Upsilon RFO” Upsilon RFO Re Ltd. “Vermeer” Vermeer Reinsurance Ltd. “VOBA” value of business acquired 32