Report of Independent Registered Public Accounting Firm To the Shareholders and the oard of Directors of RenaissanceRe "oldings &td. Opinion on the Financial Statements We have audited the accompanying consolidated balance sheets of RenaissanceRe "oldings &td. and subsidiaries (the Company) as of December 31, 2021 and 2020, the related consolidated statements of operations, comprehensive income (loss), changes in shareholdersU eEuity and cash flows for each of the three years in the period ended December 31, 2021, and the related notes (collectively referred to as the “consolidated financial statements”). In our opinion, the consolidated financial statements present fairly, in all material respects, the financial position of the Company at December 31, 2021 and 2020, and the results of its operations and its cash flows for each of the three years in the period ended December 31, 2021, in conformity with U.S. generally accepted accounting principles. We also have audited, in accordance with the standards of the Public Company Accounting )versight oard (United States) (PCA)), the CompanyUs internal control over financial reporting as of December 31, 2021, based on criteria established in Internal Control-Integrated Framework issued by the Committee of Sponsoring )rganizations of the Treadway Commission (2013 framework) and our report dated February 4, 2022, expressed an unEualified opinion thereon. Basis for Opinion These financial statements are the responsibility of the CompanyUs management. )ur responsibility is to express an opinion on the CompanyUs financial statements based on our audits. We are a public accounting firm registered with the PCA) and are reEuired to be independent with respect to the Company in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and xchange Commission and the PCA). We conducted our audits in accordance with the standards of the PCA). Those standards reEuire that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement, whether due to error or fraud. )ur audits included performing procedures to assess the risks of material misstatement of the financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. )ur audits also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall presentation of the financial statements. We believe that our audits provide a reasonable basis for our opinion. Critical Audit Matters The critical audit matter communicated below is a matter arising from the current period audit of the financial statements that was communicated or reEuired to be communicated to the audit committee and that: (1) relates to accounts or disclosures that are material to the financial statements and (2) involved especially challenging, sub>ective or complex >udgments. The communication of the critical audit matter does not alter in any way our opinion on the consolidated financial statements, taken as a whole, and we are not, by communicating the critical audit matter below, providing a separate opinion on the critical audit matter or on the account or disclosures to which it relates. F-2