We respect and comply with relevant laws and regulations Regulatory or Compliance- Related Communications The industries in which we and Issues operate are generally robustly regulated. It is our individual See Compliance Portal: responsibility to be aware of Regulatory Interactions Protocol laws and regulations which You have a duty to report completely, apply to each of us and to accurately and truthfully in all communications comply with them, both in spirit with regulators. and in letter. As we are subject to regulation in a number of jurisdictions, you are expected to read the Regulatory Interactions Protocol and be aware of how it applies to you. In particular, and before you take any action, you should understand your authority, if any, to communicate should any oversight body or regulator contact you. You are always expected to notify RenaissanceRe Holdings Ltd.’s General Counsel or your local office legal representative as soon as you become aware of any potential or actual regulatory or compliance-related issues affecting any of the RenaissanceRe companies. Accounting and Financial Reporting See Compliance Portal: Real Time Disclosure Policy SOX and Periodic Disclosure Rules Policy Our financial reporting is required to be reliable, accurate, complete, fair, understandable and timely. No false or deliberately inaccurate entries are to be made in any books or records, and no employee is to engage in any untruthful arrangement to that effect, or to direct anyone else to make false entries. Additionally, no undisclosed side agreements, oral and/or written, which would modify the terms of an executed contract, are to be made. We have established policies, guidelines and procedures and require that you comply with these policies,