We respect and comply with relevant laws and regulations You should seek advice from your local office legal representative or RenaissanceRe Holdings Ltd.’s General Counsel if you have any questions about the policies or any specific activity being considered. Be aware that conduct does not have to be intentional to be anti-competitive and potentially violate the relevant laws. Failure to comply with competition laws can result in, among other consequences, significant fines and legal action against RenaissanceRe, reputational damage and possible criminal prosecution for those individuals involved. Q: Is it legal to talk to our competitors about pricing trends, as long as we don’t talk about specific prices of RenaissanceRe or our competitors’ products? A: While generic discussions on industry trends may not be illegal, we must be mindful of how these discussions may be perceived and how this information may be used by others. Accordingly, as a simple rule, you should always decline discussions with competitors regarding pricing and terms. Where you are unsure you should ‘ask before you act’ and obtain guidance concerning the proposed communication.