<SEC-DOCUMENT>0000776867-22-000007.txt : 20220516
<SEC-HEADER>0000776867-22-000007.hdr.sgml : 20220516
<ACCEPTANCE-DATETIME>20220516081917
ACCESSION NUMBER:		0000776867-22-000007
CONFORMED SUBMISSION TYPE:	DEFA14A
PUBLIC DOCUMENT COUNT:		7
FILED AS OF DATE:		20220516
DATE AS OF CHANGE:		20220516

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			WHITE MOUNTAINS INSURANCE GROUP LTD
		CENTRAL INDEX KEY:			0000776867
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		IRS NUMBER:				942708455
		STATE OF INCORPORATION:			D0
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		DEFA14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-08993
		FILM NUMBER:		22925661

	BUSINESS ADDRESS:	
		STREET 1:		23 SOUTH MAIN STREET
		STREET 2:		SUITE 3B
		CITY:			HANOVER
		STATE:			NH
		ZIP:			03755
		BUSINESS PHONE:		603 640 2200

	MAIL ADDRESS:	
		STREET 1:		23 SOUTH MAIN STREET
		STREET 2:		SUITE 3B
		CITY:			HANOVER
		STATE:			NH
		ZIP:			03755

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	WHITE MOUNTAINS INSURANCE GROUP INC
		DATE OF NAME CHANGE:	19990603

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FUND AMERICAN ENTERPRISES HOLDINGS INC
		DATE OF NAME CHANGE:	19920703

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FUND AMERICAN COMPANIES INC
		DATE OF NAME CHANGE:	19920701
</SEC-HEADER>
<DOCUMENT>
<TYPE>DEFA14A
<SEQUENCE>1
<FILENAME>defa14a2022.htm
<DESCRIPTION>DEFA14A
<TEXT>
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<title>Document</title></head><body><div id="i90c4e83c693041d89ee80208759c9f11_1"></div><div style="min-height:21.6pt;width:100%"><div><font><br></font></div></div><div style="margin-top:0.45pt"><img alt="image_0.jpg" src="image_0.jpg" style="height:1px;margin-bottom:5pt;vertical-align:text-bottom;width:724px"><img alt="image_1.jpg" src="image_1.jpg" style="height:1px;margin-bottom:5pt;vertical-align:text-bottom;width:724px"></div><div style="margin-top:5.7pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:700;line-height:100%">UNITED STATES</font></div><div style="margin-top:0.4pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:700;line-height:100%">SECURITIES AND EXCHANGE COMMISSION</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:100%">Washington, D.C. 20549</font></div><div style="margin-top:11.35pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:18pt;font-weight:700;line-height:100%">SCHEDULE 14A</font></div><div style="margin-top:0.3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">(RULE 14a-101)</font></div><div style="margin-top:0.5pt;padding-left:153.1pt;padding-right:153.1pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION</font></div><div><font><br></font></div><div style="padding-left:172.2pt;padding-right:172.2pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934</font></div><div style="margin-top:0.05pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">(Amendment No.&#160;&#160;&#160;&#160;)</font></div><div style="margin-top:0.5pt"><font><br></font></div><div style="padding-left:5.95pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Filed by the Registrant </font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#9746;&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Filed by a Party other than the Registrant </font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#9744;</font></div><div style="margin-top:0.15pt"><font><br></font></div><div style="margin-bottom:6pt;margin-top:0.05pt;padding-left:5.95pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Check the appropriate box&#58;</font></div><div style="margin-bottom:6pt;text-indent:4.5pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%"> &#9744;&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Preliminary Proxy Statement</font></div><div style="margin-bottom:6pt;margin-top:0.2pt;text-indent:4.5pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%"> &#9744;&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2))</font></div><div style="margin-bottom:6pt;text-indent:4.5pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%"> &#9744;&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Definitive Proxy Statement</font></div><div style="margin-bottom:6pt;margin-top:0.2pt;padding-left:5.95pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#9746;&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Definitive Additional Materials</font></div><div style="margin-bottom:6pt;margin-top:0.2pt;padding-left:3.6pt;text-indent:-0.02pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%"> &#9744;&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Soliciting Material under &#167;240.14a-12</font></div><div style="margin-top:0.35pt"><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:20pt;font-weight:700;line-height:100%">White Mountains Insurance Group, Ltd.</font></div><div style="margin-top:0.5pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">(Name of Registrant as Specified In Its Charter)</font></div><div style="margin-top:0.4pt"><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">(Name of person(s) filing proxy statement, if other than the registrant)</font></div><div style="margin-top:0.4pt"><font><br></font></div><div style="margin-bottom:6pt;margin-top:0.05pt;padding-left:5.95pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Payment of Filing Fee (Check the appropriate box)&#58;</font></div><div style="margin-bottom:6pt;margin-top:0.5pt;padding-left:5.95pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#9746;&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">No fee required.</font></div><div style="margin-bottom:6pt;margin-top:0.2pt;padding-left:6.8pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#9744;&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Fee paid previously with preliminary materials.</font></div><div style="margin-bottom:6pt;margin-top:0.2pt;padding-left:6.8pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#9744;&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Fee computed on table in exhibit required by Item 25(b) per Exchange Act Rules 14a-6(i)(1) and 0-11.</font></div><div style="padding-left:30.75pt"><font><br></font></div><div style="padding-left:29.62pt;padding-right:29.62pt;text-align:center"><img alt="image_2.jpg" src="image_2.jpg" style="height:2px;margin-bottom:5pt;vertical-align:text-bottom;width:652px"></div><div style="margin-top:0.45pt;text-align:center"><font><br></font></div><div style="padding-left:2.8pt;padding-right:2.8pt;text-align:center"><img alt="image_3.jpg" src="image_3.jpg" style="height:1px;margin-bottom:5pt;vertical-align:text-bottom;width:724px"></div><div style="margin-top:0.15pt;text-align:center"><img alt="image_0.jpg" src="image_0.jpg" style="height:1px;margin-bottom:5pt;vertical-align:text-bottom;width:724px"></div><div style="height:21.6pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><div id="i90c4e83c693041d89ee80208759c9f11_4"></div><hr style="page-break-after:always"><div style="min-height:64.26pt;width:100%"><div><font><br></font></div></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:12pt;font-weight:400;line-height:112%"> </font><img alt="image.jpg" src="image.jpg" style="height:102px;margin-bottom:5pt;vertical-align:text-bottom;width:100px"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:12pt;font-weight:400;line-height:112%">  </font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> </font></div><div style="padding-left:342pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:112%">Robert L. Seelig</font></div><div style="padding-left:342pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Executive Vice President &#38; </font></div><div style="padding-left:342pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">General Counsel</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:700;line-height:112%">  </font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">May 13, 2022</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Glass Lewis HQ &#8211; California</font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">255 California Street, Suite 1100</font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">San Francisco, CA 94111 </font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Re&#58; 2022 Glass Lewis Report on White Mountains Insurance Group, Ltd.</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">To Whom It May Concern&#58;</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">White Mountains Insurance Group, Ltd. (&#8220;White Mountains&#8221;) appreciates the opportunity to respond to the Glass Lewis proxy research report on White Mountains that was published on May 4, 2022.  We would like to highlight important facts about our executive compensation program and our extensive shareholder engagement efforts for your reference and the reference of our shareholders. </font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">We respectfully request that you (i) publish an updated version of the research report that includes this information and (ii) revise your report to recommend FOR our Advisory Vote to Ratify Named Executive Officers&#8217; Compensation.  </font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:700;line-height:112%;text-decoration:underline">Design of our Executive Compensation Program</font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.02pt">We utilize a pay-for-performance compensation program that closely aligns the financial interests of management with those of our shareholders.</font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.02pt">We emphasize variable long-term compensation rather than fixed entitlements. Salaries are limited to a maximum of $500,000, which is generally below market.</font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.02pt">For details, see pages 27-28 in our 2022 Proxy Statement.</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:700;line-height:112%;text-decoration:underline">For 2021, Named Executive Officers (&#8220;NEOs&#8221;) Did Not Receive Annual Bonuses </font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.02pt">Under our entirely formulaic annual bonus program, the level of payout is determined by reference to the Company&#8217;s growth in compensation value per share (&#8220;CVPS&#8221;).  We use this metric because it is the most pertinent metric to our business as a whole and what we focus on the most.  </font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.02pt">Because our 2021 growth in CVPS was below the pre-established threshold for bonuses to be earned, </font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%;text-decoration:underline">the CNG Committee awarded the NEOs bonuses of 0% of target</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">.</font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.02pt">For details, see pages 33-34 in our 2022 Proxy Statement.</font></div><div><font><br></font></div><div><font><br></font></div><div style="height:91.26pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:39.961%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.793%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:46.946%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%;text-decoration:underline">Corporate Headquarters</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">&#58;</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">White Mountains Insurance Group, Ltd.</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">A.S. Cooper Building</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">26 Reid Street</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">Hamilton, HM 11 Bermuda</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:115%">Ph&#58; 441-278-3160</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-style:italic;font-weight:400;line-height:115%"> </font><font style="color:#000000;font-family:'Wingdings',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:115%">u</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-style:italic;font-weight:400;line-height:115%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:115%">Fax&#58; 441-278-3170</font></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%;text-decoration:underline">Hanover Office</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">&#58;</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">White Mountains Insurance Group, Ltd.</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">23 South Main Street, Suite 3B</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">Hanover NH 03755 USA</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:115%">Ph&#58; 603-640-2212 </font><font style="color:#000000;font-family:'Wingdings',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:115%">u</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:115%">  F</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:115%">ax&#58; 603-640-2250</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">Email&#58; ir&#64;whitemountains.com</font></div></td></tr></table></div></div></div><hr style="page-break-after:always"><div style="min-height:64.26pt;width:100%"><div><font><br></font></div></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:700;line-height:112%;text-decoration:underline">2019 &#8211; 2021 Long-Term Incentives Were Paid in Accordance with Pre-established and Disclosed Formulaic Goals </font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.02pt">As disclosed in previous proxy statements, in 2019 the CNG established 7% annual growth in CVPS as the performance target for a 100% payout of performance shares for the 2019-2021 performance cycle. Annual growth of 12% or more would result in a 200% award for the cycle and annual growth of 2% or less would result in a 0% payout.  </font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.02pt">The CNG Committee tied long-term incentive payouts to growth in CVPS because it is the most pertinent metric to our business as a whole. Over the long-term, the market value of our shares has generally moved in tandem with changes in our book value per share metrics.  See page 32 of our 2022 Proxy Statement.</font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.02pt">Based on an average annual growth in CVPS of 10.6% from 2019-2021, the formulaic payout earned was 172% of target, as confirmed by the CNG Committee.   </font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:700;line-height:112%;text-decoration:underline">Robust and Proactive Shareholder Engagement Program </font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.02pt">As part of our ongoing commitment to better understand the views of our shareholders with respect to our business, governance, and compensation practices, we regularly engage with our shareholders. Over the past several years, feedback received from these discussions has helped guide refinements to our executive compensation programs and governance practices, as well as enhancements to our public disclosures.  </font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.02pt">In engagement with several of our largest investors in late-2021, executive compensation was a key topic of discussion, and our management team and CNG Committee Chair received overwhelmingly positive feedback on our executive compensation practices. In fact, no shareholder voiced any concern about White Mountains&#8217; executive compensation practices.</font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.02pt">For details, see pages 26 and 29 in our 2022 Proxy Statement.</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:700;line-height:112%;text-decoration:underline">Our Executive Compensation Program Works Exactly as Intended and Communicated </font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.02pt">White Mountains&#8217; executive compensation program for 2021 delivered results in the exact manner as was intended and communicated to our shareholders.  </font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.02pt">Further, there have been no changes made to our executive compensation program from last year, when Glass Lewis recommended FOR our Say-on-Pay vote and when our Say-on-Pay vote received nearly 98% support from shareholders.  </font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">We would welcome the opportunity to discuss the points outlined in this letter to answer any questions you might have, and we appreciate your consideration.  If any of our shareholders have any questions regarding our executive compensation practices, please feel free to reach out to me at </font><font style="color:#0000ff;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">ir&#64;whitemountains.com</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> or 603-640-2212.</font></div><div><font><br></font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Sincerely, </font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><img alt="image1.jpg" src="image1.jpg" style="height:65px;margin-bottom:5pt;vertical-align:text-bottom;width:160px"></div><div style="height:91.26pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:39.961%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.793%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:46.946%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%;text-decoration:underline">Corporate Headquarters</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">&#58;</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">White Mountains Insurance Group, Ltd.</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">A.S. Cooper Building</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">26 Reid Street</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">Hamilton, HM 11 Bermuda</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:115%">Ph&#58; 441-278-3160</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-style:italic;font-weight:400;line-height:115%"> </font><font style="color:#000000;font-family:'Wingdings',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:115%">u</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-style:italic;font-weight:400;line-height:115%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:115%">Fax&#58; 441-278-3170</font></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%;text-decoration:underline">Hanover Office</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">&#58;</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">White Mountains Insurance Group, Ltd.</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">23 South Main Street, Suite 3B</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">Hanover NH 03755 USA</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:115%">Ph&#58; 603-640-2212 </font><font style="color:#000000;font-family:'Wingdings',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:115%">u</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:115%">  F</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:115%">ax&#58; 603-640-2250</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">Email&#58; ir&#64;whitemountains.com</font></div></td></tr></table></div></div></div></body></html>
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