• changes to the accounting rules and regulatory systems applicable to our business, including changes in Bermuda laws or regulations or as a result of increased global regulation of the insurance and reinsurance industries; • other political, regulatory or industry initiatives adversely impacting us; • our ability to comply with covenants in our debt agreements; • a contention by the IRS that any of our Bermuda subsidiaries are subject to taxation in the U.S.; • the effects of possible future tax reform legislation and regulations, including changes to the tax treatment of our shareholders or investors in our joint ventures or other entities we manage; • our ability to determine any impairments taken on our investments; • the uncertainty of the continuing and future impact of the COVID-19 pandemic, including measures taken in response thereto and the effect of legislative, regulatory and judicial influences on our potential reinsurance, insurance and investment exposures, or other effects that it may have; • foreign currency exchange rate fluctuations; • our ability to raise capital if necessary; • our ability to comply with applicable sanctions and foreign corrupt practices laws; • our dependence on the ability of our operating subsidiaries to declare and pay dividends; • aspects of our corporate structure that may discourage third-party takeovers and other transactions; and • difficulties investors may have in serving process or enforcing judgments against us in the U.S. As a consequence, our future financial condition and results may differ from those expressed in any forward-looking statements made by or on behalf of us. The factors listed above, which are discussed in more detail in “Part I, Item 1A. Risk Factors,” in this Form 10-K, should not be construed as exhaustive. Forward-looking statements speak only as of the date they are made, and we undertake no obligation to revise or update forward-looking statements to reflect new information, events or circumstances after the date hereof or to reflect the occurrence of unanticipated events. 2