Note on Forward Looking Statements This 2022 ClimateWise Report of RenaissanceRe Holdings Ltd. contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended (the “Securities Act”), and Section 21E of the Securities Exchange Act of 1934, as amended (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 the discussion and analysis of our 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 2021/22 ClimateWise Report 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 – our need to make many estimates and judgments in the and circumstances and the variance they may cause in our preparation of our financial statements; financial results; – our ability to effectively manage capital on behalf of investors in – the effect of climate change on our business, including the trend joint ventures or other entities we manage; towards increasingly frequent and severe climate events; – changes to the accounting rules and regulatory systems – the effectiveness of our claims and claim expense reserving process; applicable to our business, including changes in Bermuda laws – the effect of emerging claims and coverage issues; or regulations or as a result of increased global regulation of the – the historically cyclical nature of the (re)insurance industries insurance and reinsurance industries; – collection on claimed retrocessional coverage, and new – other political, regulatory or industry initiatives adversely retrocessional reinsurance being available on acceptable terms; impacting us; – the ability of our ceding companies and delegated authority – our ability to comply with covenants in our debt agreements; counterparties to accurately assess the risks they underwrite; – a contention by the IRS that any of our Bermuda subsidiaries are – our ability to maintain our financial strength ratings; subject to taxation in the U.S.; – the performance of our investment portfolio and financial – the effects of possible future tax reform legislation and regulations, market volatility; including changes to the tax treatment of our shareholders or investors in our joint ventures or other entities we manage; – the effects of inflation; – our ability to determine any impairments taken on our investments; – the highly competitive nature of our industry, resulting in – the uncertainty of the continuing and future impact of the consolidation of competitors, customers and (re)insurance brokers, COVID-19 pandemic, including measures taken in response and our reliance on a small and decreasing number of brokers; thereto and the effect of legislative, regulatory and judicial – the impact of large non-recurring contracts and reinstatement influences on our potential reinsurance, insurance and investment premiums on our financial results; exposures, or other effects that it may have; – the impact of large non-recurring contracts and reinsurance – foreign currency exchange rate fluctuations; statement premiums on our financial results; – our ability to raise capital if necessary; – our ability to attract and retain key executives and employees; – our ability to comply with applicable sanctions and foreign corrupt – the effect of cybersecurity risks, including technology breaches practices laws; or failure; – our dependence on the ability of our operating subsidiaries to – our ability to successfully implement our business, strategies and declare and pay dividends; initiatives, and the success of any of our strategic investments or – aspects of our corporate structure that may discourage third-party acquisitions, including our ability to manage our operations as our takeovers and other transactions; and product and geographical diversity increases; – difficulties investors may have in serving process or enforcing – our exposure to credit loss from counterparties; 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 our filings with the SEC, including our Annual Report on Form 10-K for the year ended December 31, 2021 and as from time to time updated in our Quarterly Reports on Form 10-Q, 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. Page 1