<SEC-DOCUMENT>0001104659-23-042418.txt : 20230406
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<ACCEPTANCE-DATETIME>20230406070117
ACCESSION NUMBER:		0001104659-23-042418
CONFORMED SUBMISSION TYPE:	DEFR14A
PUBLIC DOCUMENT COUNT:		49
FILED AS OF DATE:		20230406
DATE AS OF CHANGE:		20230406

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:		DEFR14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-08993
		FILM NUMBER:		23804360

	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
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</div><p style="margin-top: 0; text-align: center; margin-bottom: 0; font: 11pt Arial, Helvetica, Sans-Serif">&#160;</p><div>

</div><p style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><b>UNITED
STATES<br/>
SECURITIES AND EXCHANGE COMMISSION<br/>
Washington, D.C. 20549</b>&#160;</span></p><div>

</div><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin-left: 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><b><span><span><span style="-sec-ix-hidden: hidden-fact-0">SCHEDULE
14A</span></span></span></b>&#160;</span></p><div>

</div><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin-left: 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Proxy
      Statement Pursuant to Section 14(a) of<br/> the Securities Exchange Act of 1934 (Amendment No.
1)&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td colspan="9" style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Filed by the Registrant <span>&#9746;</span></span></td></tr>
<tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td colspan="9" style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td></tr>
<tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td colspan="9" style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Filed by a Party other than the Registrant <span>&#9744;</span></span></td></tr>
<tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td colspan="9" style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td></tr>
<tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td colspan="9" style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Check the appropriate box:</span></td></tr>
<tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td colspan="9" style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td></tr>
<tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><span>&#9744;</span></span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td colspan="7" style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Preliminary Proxy Statement</span></td></tr>
<tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td colspan="7" style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td></tr>
<tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><span>&#9744;</span></span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td colspan="7" style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2))</span></td></tr>
<tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td colspan="7" style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td></tr>
<tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 8pt Arial, Helvetica, Sans-Serif"><span>&#9746;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td colspan="7" style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Definitive Proxy Statement</span></td></tr>
<tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td colspan="7" style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td></tr>
<tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><span>&#9744;</span></span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td colspan="7" style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Definitive Additional Materials</span></td></tr>
<tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td colspan="7" style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td></tr>
<tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><span>&#9744;</span></span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td colspan="7" style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Soliciting Material Pursuant to &#167;240.14a-12</span></td></tr>
<tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td colspan="4" style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td></tr>
<tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td colspan="4" style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td colspan="5" style="border-bottom: Black 1pt solid; vertical-align: top; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center"><ix:nonNumeric contextRef="c0" name="dei:EntityRegistrantName"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><b>WHITE MOUNTAINS INSURANCE GROUP, LTD.</b></span></ix:nonNumeric></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td></tr>
<tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td colspan="4" style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td colspan="5" style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"><p style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(Name of Registrant as Specified In Its Charter)&#160;</span></p></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td></tr>
<tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td colspan="4" style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td colspan="5" style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td></tr>
<tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td colspan="4" style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td colspan="5" style="border-bottom: Black 1pt solid; vertical-align: top; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td></tr>
<tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td colspan="4" style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td colspan="5" style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"><p style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(Name of Person(s) Filing Proxy Statement, if other than the Registrant)&#160;</span></p></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td></tr>
<tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td colspan="4" style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td></tr>
<tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td colspan="4" style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td colspan="5" style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Payment of Filing Fee (Check the appropriate box):</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td></tr>
<tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td colspan="4" style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td colspan="5" style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td></tr>
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<tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td colspan="4" style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"><span style="font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"><span style="font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"><span style="font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"><span style="font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"><span style="font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif"><span style="font-size: 8pt">&#160;</span></td></tr>
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<tr style="font: 8pt Arial, Helvetica, Sans-Serif"> <td colspan="4" style="font: 8pt Arial, Helvetica, Sans-Serif"><span style="font-size: 8pt">&#160;</span></td> <td style="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top"><span>&#9744;</span><span style="font-size: 8pt">&#160;</span></td> <td style="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top"><span style="font-size: 8pt">&#160;</span></td> <td colspan="3" style="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top"><span style="font-size: 8pt">Fee computed on table in exhibit required by Item 25(b) per Exchange Act Rules 14a6(i)(1) and 0-11</span></td> <td style="font: 8pt Arial, Helvetica, Sans-Serif"><span style="font-size: 8pt">&#160;</span></td></tr>
<tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 4%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 2%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 2%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 7%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 2%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 2%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 1%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 60%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 17%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td></tr>
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</div><p style="margin-top: 0; text-align: center; margin-bottom: 0; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 15pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 22pt"><b>Notice
of 2023</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 5pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 22pt"><b>Annual
General Meeting</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 22pt"><b>Of
Members and</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 5pt 0 0pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 22pt"><b>Proxy
Statement</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-size: 15pt">&#160;</span></p><div>

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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font: 11pt Arial, Helvetica, Sans-Serif">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font: 11pt Arial, Helvetica, Sans-Serif">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font: 11pt Arial, Helvetica, Sans-Serif">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font: 11pt Arial, Helvetica, Sans-Serif">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font: 11pt Arial, Helvetica, Sans-Serif">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font: 11pt Arial, Helvetica, Sans-Serif">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font: 11pt Arial, Helvetica, Sans-Serif">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font: 11pt Arial, Helvetica, Sans-Serif">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font: 11pt Arial, Helvetica, Sans-Serif">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font: 11pt Arial, Helvetica, Sans-Serif">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font: 11pt Arial, Helvetica, Sans-Serif"><img alt="" src="tm231820d1_def14aimg001.jpg"/>&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font: 11pt Arial, Helvetica, Sans-Serif">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif">
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"></td></tr>
</table><div>

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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">LETTER
FROM THE BOARD OF DIRECTORS</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #0070C0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 14pt"><b>FROM
OUR BOARD OF DIRECTORS</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #0070C0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Dear
Fellow Shareholders:</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">As
your Board of Directors, we oversee White Mountains&#8217; efforts to create superior growth in intrinsic value per share over
long periods of time. Your Company seeks to achieve this goal by making opportunistic and value-oriented acquisitions of businesses
in the insurance, financial services and related sectors, operating these businesses and, if and when attractive exit valuations
become available, disposing of these businesses. Since the Company&#8217;s IPO in 1985, we have delivered annualized growth in
book value per share of 13% and market value per share of 12%.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">2022
was an excellent year for your Company. We finished 2022 with book value per share of $1,457 and adjusted book value per share
of $1,495, increases of 24% and 26% for the year, respectively. Total shareholder return was 40% in 2022, compared to -18% for
the S&amp;P 500 and 19% for the S&amp;P 500 P&amp;C Insurance Index. The successful sale of NSM in August was the main driver,
generating a net gain of $876 million, adding roughly $300 to adjusted book value per share.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Away
from NSM, the majority of our operating businesses had very good years. Ark produced strong underwriting results while growing
premiums 37%. BAM generated $147 million of premiums and member surplus contributions. Kudu had a good all-around year, growing
its business and closing three new deployments and two value-adding exits. Your Company also added value through capital management
activity. White Mountains completed a self-tender offer in September, repurchasing approximately 328,000 shares for $459 million
($1,400 per share). And at year end, we successfully launched Outrigger Re, deploying $205 million of capital.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
businesses we own today position us well for the future. As is the White Mountains &#8220;way,&#8221; we are always prospecting
for new deployment opportunities, via our &#8220;platform business&#8221; and at the parent company.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Ongoing
Dialogue with Shareholders Through Proactive Engagement</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Over
the last year, members of the Board and management reached out to shareholders owning 71% of White Mountains&#8217;s shares outstanding
and met with all shareholders--representing 32% of our shares outstanding--who accepted a meeting. Feedback from these shareholder discussions
over the past few years has informed changes to our executive compensation program, enhanced disclosures about the skills and areas of
expertise of our Board, and improvements to our ESG, risk management and human capital management practices. This year, these shareholder
discussions focused primarily on our business strategy, corporate governance--including the structure and the composition of our Board--and
compensation philosophy. Shareholders were overwhelmingly supportive, while also providing valuable feedback, which we have used to further
enhance our proxy statement disclosures.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Our
core principles served us well in 2022. It is a privilege to serve as your Board, and we value highly your support of White Mountains.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Sincerely,</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>The
White Mountains Insurance Group Board of Directors</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="width: 25%; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Morgan W. Davis, Chair</span></td>
    <td style="width: 25%; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Peter M. Carlson</span></td>
    <td style="width: 50%; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Mary C. Choksi</span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Margaret Dillon</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Philip A. Gelston</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Weston M. Hicks</span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">G. Manning Rountree</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Suzanne F. Shank</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">David A. Tanner</span></td></tr>
</table><div>
</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">April
5, 2023</span></p><div>




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</div><table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt; width: 89%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Table of Contents</b></span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-top: 5pt; padding-bottom: 5pt; border-bottom: Black 1pt solid; padding-right: 30pt; width: 11%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Page</b></span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt"><a href="#a001"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">PROXY SUMMARY</span></a></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt; padding-right: 30pt"><a href="#a001"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">2</span></a></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt"><a href="#a002"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">NOTICE OF 2023 ANNUAL GENERAL MEETING OF MEMBERS</span></a></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt; padding-right: 30pt"><a href="#a002"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">8</span></a></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt"><a href="#a003"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">PROXY STATEMENT</span></a></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt; padding-right: 30pt"><a href="#a003"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">9</span></a></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0.125in"><a href="#a004"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>PROPOSAL 1:&#160;&#160;ELECTION OF THE COMPANY&#8217;S DIRECTORS</i></b></span></a></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt; padding-right: 30pt"><a href="#a004"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">10</span></a></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0.375in"><a href="#a005"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The Board of Directors</span></a></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt; padding-right: 30pt"><a href="#a005"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">10</span></a></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0.375in"><a href="#a006"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Corporate Governance</span></a></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt; padding-right: 30pt"><a href="#a006"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">18</span></a></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0.375in"><a href="#a007"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Voting Securities and Principal Holders Thereof</span></a></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt; padding-right: 30pt"><a href="#a007"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">26</span></a></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0.375in"><a href="#a008"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Executive Compensation</span></a></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt; padding-right: 30pt"><a href="#a008"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">28</span></a></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0.375in"><a href="#a009"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">CEO Pay Ratio</span></a></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt; padding-right: 30pt"><a href="#a009"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">54</span></a></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0.375in"><a href="#a010"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Transactions with Related Persons, Promoters and Certain Control Persons</span></a></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt; padding-right: 30pt"><a href="#a010"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">55</span></a></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0.375in"><a href="#a011"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Equity Compensation Plan Information</span></a></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt; padding-right: 30pt"><a href="#a011"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">56</span></a></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0.375in"><a href="#a012"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Audit Committee Report</span></a></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt; padding-right: 30pt"><a href="#a012"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">57</span></a></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0.375in"><a href="#a013"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Principal Accountant Fees and Services</span></a></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt; padding-right: 30pt"><a href="#a013"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">58</span></a></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0.125in"><a href="#a014"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>PROPOSAL 2:</i></b></span></a> <a href="#a014"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>ADVISORY VOTE ON EXECUTIVE COMPENSATION</i></b></span></a></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-top: 5pt; padding-bottom: 5pt; padding-right: 30pt"><a href="#a014"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">59</span></a></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0.125in"><a href="#a015"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>PROPOSAL 3:</i></b></span></a> <a href="#a015"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>ADVISORY VOTE ON THE FREQUENCY OF FUTURE ADVISORY VOTES ON EXECUTIVE COMPENSATION</i></b></span></a></td>
    <td style="vertical-align: bottom; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt; padding-right: 30pt"><a href="#a015"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">59</span></a></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0.125in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i><a href="#a016">PROPOSAL 4: APPROVAL OF THE APPOINTMENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM FOR 2023</a></i></b></span></td>
    <td style="vertical-align: bottom; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt; padding-right: 30pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><a href="#a016">60</a></span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0.125in"><a href="#a017"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>OTHER MATTERS</i></b></span></a></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt; padding-right: 30pt"><a href="#a017"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">61</span></a></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-bottom: Black 2.5pt double; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt"><a href="#a018"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">ANNEX A:&#160;&#160;RECONCILIATION OF NON-GAAP MEASURES</span></a></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 5pt; padding-bottom: 5pt; border-bottom: Black 2.5pt double; padding-right: 30pt"><a href="#a018"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">A-1</span></a></td></tr>
</table><div>
</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;&#160;&#160;&#160;&#160;&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">White
Mountains Insurance Group, Ltd. (the &#8220;Company&#8221;, &#8220;Registrant&#8221; or &#8220;WTM&#8221;) is an exempted Bermuda
limited liability company whose principal businesses are conducted through its subsidiaries and affiliates. Within this proxy
statement, the term &#8220;White Mountains&#8221; is used to refer to one or more entities within the consolidated organization,
as the context requires.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">White
Mountains is engaged in the business of making opportunistic and value-oriented acquisitions of businesses and assets in the insurance,
financial services and related sectors, operating these businesses and assets through its subsidiaries and, if and when attractive
exit valuations become available, disposing of these businesses and assets.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">As
of December 31, 2022, White Mountains conducted its business primarily in four areas: municipal bond insurance, property and casualty
insurance and reinsurance, capital solutions for asset and wealth management firms and other operations. White Mountains&#8217;s
municipal bond insurance business is conducted through its subsidiary HG Global Ltd. and its reinsurance subsidiary HG Re Ltd.
(&#8220;HG Re&#8221;), (collectively, &#8220;HG Global&#8221;). HG Global was established to fund the startup of and provide reinsurance,
through HG Re, to Build America Mutual Assurance Company (&#8220;BAM&#8221;), a mutual municipal bond insurance company (collectively,
 &#8220;HG Global&#8221;). White Mountains&#8217;s property and casualty insurance and reinsurance business is conducted through
its subsidiary Ark Insurance Holdings Limited and its subsidiaries (collectively, &#8220;Ark&#8221;). White Mountains provides
capital solutions for asset and wealth management firms through its subsidiary Kudu Investment Management, LLC and its subsidiaries
(collectively, &#8220;Kudu&#8221;). White Mountains&#8217;s Other Operations consists of the Company and its wholly-owned subsidiary,
White Mountains Capital, LLC (&#8220;WM Capital&#8221;), its other intermediate holding companies, its wholly-owned investment
management subsidiary, White Mountains Advisors LLC (&#8220;WM Advisors&#8221;), investment assets managed by WM Advisors, its
interests in MediaAlpha, Inc. (&#8220;MediaAlpha&#8221;), PassportCard Limited (&#8220;PassportCard&#8221;) and DavidShield Life
Insurance Agency (2000) Ltd. (&#8220;DavidShield&#8221;) (collectively, &#8220;PassportCard/ DavidShield&#8221;), Elementum Holdings
LP (&#8220;Elementum&#8221;), Outrigger Re Ltd. Segregated Account 2023-1 (&#8220;WM Outrigger Re&#8221;), certain other consolidated
and unconsolidated entities and certain other assets. As of December 31, 2022, White Mountains&#8217;s reportable segments were
HG Global/BAM, Ark and Kudu with our remaining operating businesses, holding companies and other assets included in Other Operations.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The
2023 Annual General Meeting will be confined to a shareholder vote on the proposals set forth in this Proxy Statement and on such
other matters properly brought before the meeting.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><i>For
a reconciliation of non-GAAP measures used in this Proxy Statement to their most comparable GAAP measures, see Annex A.</i></span></p><div>





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</div><div><a id="a001"></a></div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #0070C0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 14pt"><b>PROXY
SUMMARY</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #0070C0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">This
summary highlights information contained elsewhere in this Proxy Statement. This summary does not contain all of the information
that you should consider. You should read the entire Proxy Statement carefully before voting.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td colspan="2" style="border-top: #0070C0 1pt solid; border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.75pt; padding-bottom: 2.15pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Meeting
    Information and Availability of Proxy Materials</b></span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="width: 20%; padding-right: 5.75pt; padding-bottom: 2.15pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Date
    and Time:&#160;&#160;</span></td>
    <td style="width: 80%; padding-right: 5.75pt; padding-bottom: 2.15pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">May
    25, 2023 at 8:00 a.m. Atlantic Time</span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-right: 5.75pt; padding-bottom: 2.15pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Place:</span></td>
    <td style="padding-right: 5.75pt; padding-bottom: 2.15pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Rosewood
    Bermuda Hotel, 60 Tucker&#8217;s Point Drive, Hamilton Parish, Bermuda</span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-right: 5.75pt; padding-bottom: 2.15pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Record
    Date:</span></td>
    <td style="padding-right: 5.75pt; padding-bottom: 2.15pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">April
    3, 2023</span></td></tr>
</table><div>
</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">This
Proxy Statement and the accompanying proxy card are being distributed and made available to shareholders on or about April 21,
2023.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<tr style="vertical-align: top; background-color: #DEEAF6; font: 11pt Arial, Helvetica, Sans-Serif">
    <td colspan="3" style="border-top: #0070C0 1pt solid; border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-bottom: 2.15pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Voting
    Matters and Board Recommendations</b></span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td colspan="2" style="border-right: #0070C0 1pt solid; border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-bottom: 2.15pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Matter</i></b></span></td>
    <td style="border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-bottom: 2.15pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Our
    Board&#8217;s Recommendation</i></b></span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="width: 15%; border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; border-right: #0070C0 1pt solid; padding-right: 5.4pt; padding-bottom: 2.15pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Proposal
    1</i></b></span></td>
    <td style="width: 55%; border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; border-right: #0070C0 1pt solid; padding-right: 5.4pt; padding-bottom: 2.15pt; padding-left: 2.9pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Election
    of four directors to Class II with terms ending in 2026</span></td>
    <td style="width: 30%; border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-bottom: 2.15pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">For</span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-right: #0070C0 1pt solid; border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-bottom: 2.15pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Proposal
    2</i></b></span></td>
    <td style="border-right: #0070C0 1pt solid; border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-bottom: 2.15pt; padding-left: 2.9pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Approval
    of the advisory resolution on executive compensation</span></td>
    <td style="border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-bottom: 2.15pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">For</span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-right: #0070C0 1pt solid; border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-bottom: 2.15pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Proposal
    3</i></b></span></td>
    <td style="border-right: #0070C0 1pt solid; border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-bottom: 2.15pt; padding-left: 2.9pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Advise
    on the frequency of future advisory votes on executive compensation</span></td>
    <td style="border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-bottom: 2.15pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">1YR</span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-right: #0070C0 1pt solid; border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-bottom: 2.15pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Proposal
    4</i></b></span></td>
    <td style="border-right: #0070C0 1pt solid; border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-bottom: 2.15pt; padding-left: 2.9pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Approval
    of the appointment of PwC as the Company&#8217;s Independent
    Registered Public Accounting Firm for 2023</span></td>
    <td style="border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-bottom: 2.15pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">For</span></td></tr>
</table><div>
</div><p style="margin-top: 0; margin-bottom: 0">&#160;</p><div>

</div><table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top; background-color: #DEEAF6; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="width: 100%; border-top: #0070C0 1pt solid; border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.75pt; padding-bottom: 2.15pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>How
    to Vote</b></span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-right: 5.75pt; padding-bottom: 2.15pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Even
    if you plan to attend the 2023 Annual Meeting of Members in person, we encourage you to vote in advance of the meeting.&#160;&#160;You
    may vote using one of the following voting methods.&#160;&#160;Make sure to have your proxy card or voting instruction form
    in hand and follow the instructions.&#160;&#160;Participants who hold shares in a brokerage account, an employee benefit plan,
    or through a nominee will need to follow instructions on their proxy card, which may include options to vote their shares
    by telephone or over the internet.&#160;&#160;You can vote in one of three ways:</span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-right: 5.75pt; padding-bottom: 2.15pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></td></tr>
</table><div>
</div><table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="width: 50%; border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; border-right: #0070C0 1pt solid; padding-right: 5.75pt; padding-bottom: 2.15pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Record
    Holders</b></span></td>
    <td style="width: 50%; border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.75pt; padding-bottom: 2.15pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Beneficial
    Owners</b></span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-right: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.75pt; padding-bottom: 2.15pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Vote
        via the internet </b></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 3pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;&#160;Go to www.envisionreports.com/WTM</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 3pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 3pt 0 0pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Vote
        by telephone</b></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 3pt 0 0pt"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 3pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;&#160;Call toll free 1-800-652-VOTE (8683) within the USA, US territories and Canada</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 3pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 3pt 0 0pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Vote
        by mail</b></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 3pt 0 0pt"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 3pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;&#160;Complete, sign, date and return your proxy card in the envelope provided</span></p></td>
    <td style="padding-right: 5.75pt; padding-bottom: 2.15pt; padding-left: 6.8pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Follow
    the instructions set forth on the voting instruction form provided by your broker with these proxy materials.</span></td></tr>
</table><div>




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</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="width: 100%; border-top: #0070C0 1pt solid; border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.75pt; padding-bottom: 2.15pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Company
    Performance Highlights</b></span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-right: 5.75pt; padding-bottom: 2.15pt; font: 11pt Arial, Helvetica, Sans-Serif"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></p>
                                                                                                       <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p>
                                                                                                       <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">White
                                            Mountains is engaged in the business of making opportunistic and value-oriented acquisitions
                                            of businesses and assets in the insurance, financial services and related sectors, operating
                                            those businesses and assets through its subsidiaries and, if and when attractive exit valuations
                                            become available, divesting to realize gains on their sale. Our principal focus is to grow
                                            adjusted book value per share (&#8220;ABVPS&#8221;) because we believe, based on the trading
                                            history of our stock, that over the long term our share price growth will parallel our growth
                                            in ABVPS. Since our IPO, including dividends, the Company has delivered 13% annualized growth
                                            in book value per share and ABVPS and 12% annualized growth in market value per share. While
                                            the main driver of growth in 2022 was the gain on our sale of NSM, good operating results
                                            at our businesses also contributed to ABVPS growth. Highlights of our 2022 operational and
                                            financial performance include:</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p></td></tr>
</table><div>
</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="width: 50%; padding-right: 5.75pt; padding-bottom: 0; font: 11pt Arial, Helvetica, Sans-Serif"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #00B050">&#10003;&#160;
        </span><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#8239;Growth in book value per share of 24%</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #00B050">&#10003;&#160;
        </span><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#8239;Growth in adjusted book value per share
        of 26%</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #00B050">&#10003;&#160;
        </span><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#8239;Sale of NSM generated a net gain of $876
        million and added roughly $300 to ABVPS</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #00B050">&#10003;&#160;
</span><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#8239;Successful completion of self-tender offer, repurchasing
roughly $459 million worth of shares</span></p></td>
    <td style="width: 50%; padding-right: 5.75pt; padding-bottom: 0; font: 11pt Arial, Helvetica, Sans-Serif"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #00B050">&#10003;&#160;
        </span><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#8239;Record levels of gross written premiums
        and member surplus contributions for BAM, driven by improved pricing in the primary market and robust secondary market
        activity</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #00B050">&#10003;&#160;
        </span><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#8239;Strong results for Ark; produced an 82% combined ratio and grew full year premiums
by  37%</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #00B050">&#10003;&#160;
</span><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#8239;Kudu closed three new deployments and completed
two value-adding sale transactions</span></p></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.75pt; padding-bottom: 0">&#160;</td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.75pt; padding-bottom: 0">&#160;</td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td colspan="2" style="padding-right: 5.75pt; padding-bottom: 0; padding-left: 4.5pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">For
    more information on our business and performance highlights, please refer to page 29 of the proxy statement.</span></td></tr>
</table><div>
</div><p style="margin-top: 0; margin-bottom: 0">&#160;</p><div>

</div><table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td colspan="4" style="border-top: rgb(0,112,192) 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-bottom: 2.15pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Election
    of Director Nominees</b></span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td colspan="4" style="border-top: #0070C0 1pt solid; border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-bottom: 2.15pt"><span style="font-size: 6pt">&#160;</span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-bottom: 2.15pt; width: 37%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;&#160;&#160;Class
    II Nominees &#8211; Term ending in 2026</span></i></b></span></td>
    <td style="border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-bottom: 2.15pt; padding-left: 0.5pt; text-align: center; width: 14%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Age</i></b></span></td>
    <td style="border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-bottom: 2.15pt; text-align: center; width: 19%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Director
    Since</i></b></span></td>
    <td style="border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-bottom: 2.15pt; text-align: center; width: 30%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Our
    Board&#8217;s Recommendation</i></b></span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: top; padding-right: 5.4pt; padding-bottom: 2.15pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;&#160;&#160;G.
    Manning Rountree</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-bottom: 2.15pt; padding-left: 2.9pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">51</span></td>
    <td style="padding-right: 5.4pt; padding-bottom: 2.15pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">2017</span></td>
    <td style="vertical-align: top; padding-right: 5.4pt; padding-bottom: 2.15pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">For</span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: top; padding-right: 5.4pt; padding-bottom: 2.15pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;&#160;&#160;Mary
    C. Choksi</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-bottom: 2.15pt; padding-left: 2.9pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">72</span></td>
    <td style="padding-right: 5.4pt; padding-bottom: 2.15pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">2017</span></td>
    <td style="vertical-align: top; padding-right: 5.4pt; padding-bottom: 2.15pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">For</span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: top; padding-right: 5.4pt; padding-bottom: 2.15pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;&#160;&#160;Weston
    M. Hicks</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-bottom: 2.15pt; padding-left: 2.9pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">66</span></td>
    <td style="padding-right: 5.4pt; padding-bottom: 2.15pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">2023</span></td>
    <td style="vertical-align: top; padding-right: 5.4pt; padding-bottom: 2.15pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">For</span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: top; border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-bottom: 2.15pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;&#160;&#160;Steven
    M. Yi</span></td>
    <td style="border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-bottom: 2.15pt; padding-left: 2.9pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">52</span></td>
    <td style="border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-bottom: 2.15pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><i>Nominee
    for election</i></span></td>
    <td style="vertical-align: top; border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-bottom: 2.15pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">For</span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: top; border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-bottom: 2.15pt">&#160;</td>
    <td style="border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-bottom: 2.15pt; padding-left: 2.9pt; text-align: center">&#160;</td>
    <td style="border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-bottom: 2.15pt; text-align: center">&#160;</td>
    <td style="vertical-align: top; border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-bottom: 2.15pt; text-align: center">&#160;</td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td colspan="4" style="border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-bottom: 2.15pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Other
    Members of the Board</b></span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: top; border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-bottom: 2.15pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;&#160;&#160;Class
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<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
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<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
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<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
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                                            Company&#8217;s commitment to strong corporate governance, effective risk management and
                                            strong independent oversight of management by the Board is reflected in our sound governance
                                            practices and policies. Our governance highlights (assuming the election of our current slate
                                            of nominees) include:</span></p></td></tr>
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    <td style="width: 50%; padding-right: 5.75pt; padding-bottom: 2.15pt; font: 11pt Arial, Helvetica, Sans-Serif"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #00B050">&#10003;&#160;
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        </span><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#8239;Commitment to Board Refreshment (Four
        New Directors in Past Three Years)</span></p>
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #00B050">&#10003;&#160;
        </span><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#8239;Average Board Tenure is 4.8 years</span></p>
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        </span><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#8239;Annual Board and Committee Self-Evaluations</span></p>
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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Red; text-indent: 31.5pt"></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Red; text-indent: 31.5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt; color: Red"><span style="font: 11pt Arial, Helvetica, Sans-Serif"><img alt="" src="tm231820d1_def14aimg002.jpg"/>&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Red; text-indent: 31.5pt">&#160;</p><div>

</div><table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0pt; width: 95%; margin-left: auto; margin-right: auto;"><tr style="vertical-align: top">
<td style="width: 0.5in"></td><td style="width: 0.1in; text-align: left"></td><td style="padding-right: 36.55pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The
lack of a checkmark for a particular item does not mean that the director does not possess that qualification, skill or experience,
but rather the checkmark indicates that the item is a particularly prominent qualification, skill or experience that the director
brings to the Board.</span></td>
</tr></table><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 36.55pt 0pt 0.5in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">For
more information on our corporate governance practices, please refer to page 18 of the proxy statement.</span></p><div>





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<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="width: 100%; border-top: #0070C0 1pt solid; border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.75pt; padding-bottom: 2.15pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Shareholder
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<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-right: 5.75pt; padding-bottom: 2.15pt; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 8pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Shareholder
engagement is of great importance to our Board and management team as a means to solicit feedback and to ensure accountability
and responsiveness to our shareholders. Feedback from these discussions is shared with the Board each year. Over the past several
years, shareholder feedback has helped to guide changes to our executive compensation plan and further enhancement of our proxy
disclosures. Our shareholder outreach highlights include:</span></p></td></tr>
</table><div>
</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><img alt="" src="tm231820d1_def14aimg003.jpg"/>&#160;</p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">For
more information on our commitment to ongoing shareholder engagement and details of our 2022 shareholder outreach, please refer
to page <span>18</span> of the proxy statement.</span></p><div>





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<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
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    Compensation Highlights</b></span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-right: 5.75pt; padding-bottom: 2.15pt; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 6pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Our
                                            executive compensation policies are designed with the primary goal of creating superior growth
                                            in our values per share over long periods of time. We believe that this goal is best pursued
                                            by utilizing a pay-for-performance program that closely aligns the financial interests of
                                            management with those of the Company&#8217;s shareholders. We utilize a peer group set of
                                            insurance and reinsurance companies to evaluate their compensation programs in terms of structure
                                            and variability of payouts in good and poor performance scenarios. Importantly, we do <span style="text-decoration:underline">not
                                            </span>use our peer group to benchmark compensation. Unlike most of our insurance company peers,
                                            the primary responsibility of our parent company&#8217;s management is finding and executing
                                            opportunistic and value creating acquisitions and dispositions of operating businesses, rather
                                            than operating traditional insurance businesses (although our subsidiaries may operate
                                            insurance businesses). As a result, we believe benchmarking against the peer group could
                                            result in compensation that is not competitive for our talent pool. When recruiting and retaining
                                            talented professionals, we compete against private equity and investment banking opportunities
                                            more than other insurance companies, and our compensation practices must reflect this reality. </span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
Compensation/Nominating &amp; Governance Committee is committed to ensuring that our executive compensation programs and governance practices
motivate long-term value creation, align the financial interests of management with those of our shareholders, maintain competitiveness
in the market for talent, and encourage appropriate, but not excessive, risk-taking.</span></p></td></tr>
</table><div>
</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Red">&#160;</p><div>

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<tr style="background-color: #002060; font: 11pt Arial, Helvetica, Sans-Serif">
    <td colspan="2" style="border: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: White">Key
    Compensation Highlights</span></td></tr>
<tr style="background-color: #BDD6EE; font: 11pt Arial, Helvetica, Sans-Serif">
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    We Do</span></td>
    <td style="width: 46%; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">What
    We Do Not Do</span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><span style="font-size: 10pt">&#160;</span></p>
                                                                                                                                                                                                <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #00B050">&#10003;&#160;
</span> <span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><b>Commitment to pay for performance</b> as evidenced
by 92% of total target 2022 CEO compensation meaningfully &#8220;at risk&#8221;&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #00B050">&#10003;&#160;
</span> <span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><b>Half of annual LTI delivered in performance-based
equity</b>, with a three-year measurement period&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #00B050">&#10003;&#160;
</span> <span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Formulaic annual incentive program, based on pre-determined
goals&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #00B050">&#10003;&#160;
</span> <span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Clawback policy for annual and long-term incentive
plans&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #00B050">&#10003;&#160;
</span> <span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Double-trigger change-in-control provisions&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #00B050">&#10003;&#160;
</span> <span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Say-On-Pay vote&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #00B050">&#10003;&#160;
        </span> <span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Share ownership guidelines for executive officers
        and directors&#160;</span></p></td>
    <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><span style="font-size: 10pt">&#160;</span></p>
                                                                                                                                                                  <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><img alt="" src="tm231820d1_def14aimg024a.jpg"/><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: red">&#160;
</span> <span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No hedging of Company securities&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><img alt="" src="tm231820d1_def14aimg024a.jpg"/><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: red">&#160;
</span> <span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No executive pensions&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><img alt="" src="tm231820d1_def14aimg024a.jpg"/><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: red">&#160;
</span> <span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No single-trigger vesting of equity-based awards
upon change-in-control&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><img alt="" src="tm231820d1_def14aimg024a.jpg"/><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: red">&#160;
</span> <span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No excise tax gross-ups upon change-in-control&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><img alt="" src="tm231820d1_def14aimg024a.jpg"/><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: red">&#160;
</span> <span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No dividends on unvested performance shares or
restricted shares&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><img alt="" src="tm231820d1_def14aimg024a.jpg"/><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: red">&#160;
</span> <span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No long-term employment agreements &#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><span style="font-size: 10pt"><img alt="" src="tm231820d1_def14aimg024a.jpg"/><span style="font-family: Arial, Helvetica, Sans-Serif; color: red">&#160;
        </span></span> <span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No excessive perquisites or benefits</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></p></td></tr>
</table><div>
</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Red"></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Red">&#160;</p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><i>Chief
Executive Officer:</i></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><img alt="" src="tm231820d1_def14aimg004.jpg"/>&#160;</p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><i>Other
NEOs:</i></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><img alt="" src="tm231820d1_def14aimg005.jpg"/>&#160;</p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
specifics of our compensation program begin on page 28 of the proxy statement.</span></p><div>





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<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="width: 100%; border-top: #0070C0 1pt solid; border-bottom: #0070C0 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.75pt; padding-bottom: 2.15pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Environmental,
    Social and Governance Practices and Disclosures </b></span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></td></tr>
</table><div>
</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">To
achieve our goal of creating superior growth in the Company&#8217;s intrinsic value per share over the long term, and in order
to steward our owners&#8217; capital effectively, our Board and management are committed to sustainability and corporate responsibility.
In 2020, with oversight from the Board, White Mountains embarked on a project designed to improve our ESG practices and disclosures.
We identified ESG priorities that align with both our Company&#8217;s business strategy as well as industry and investor expectations.
The Board had oversight of this process and final approval of the ESG focus areas and actions, which include:</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>ESG
                                         in our Investment Policy: </b> In 2021, we revised our investment policy to address ESG
                                         factors. We consider ESG factors when (i) making decisions in respect of internally managed
                                         portfolios and (ii) selecting external investment managers.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Board
                                         Oversight of ESG:</b> In 2021, the charters of the Audit, Finance and Compensation/Nominating
                                         &amp; Governance Committees were amended to explicitly include ESG oversight responsibilities
                                         as outlined below. </span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Statement
                                         on Climate Change: </b> In 2021, we adopted a corporate statement on climate change,
                                         which can be found on page 24.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>ESG
                                         in Our Risk Management:</b> We consider ESG risks, such as the impact of climate change
                                         and human capital management, in our risk management processes. In 2021, we added information
                                         on our risk management practices, including the primary frameworks used to assess risk
                                         and our approach to business continuity and the management of cybersecurity risks, to
                                         our Company website. </span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Communication
                                         of Our ESG Practices</b>: To respond to feedback received in our annual shareholder engagement,
                                         we have developed an ESG landing page on our corporate website to communicate all of
                                         our practices more effectively, including an overview of how ESG is incorporated into
                                         our corporate governance and business ethics, our approach to climate change, our investment
                                         management activities, our human capital management, our approach to risk management
                                         and our community engagement. </span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: center"><span style="font: 11pt Arial, Helvetica, Sans-Serif"><img alt="" src="tm231820d1_def14aimg006.jpg"/>&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; color: Red"></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; color: Red"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">For
more information on our ESG practices, please refer to page 23 or the ESG landing page on our Company website (<span style="text-decoration:underline">www.whitemountains.com/esg/</span>).</span></p><div>




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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>WHITE
MOUNTAINS INSURANCE GROUP, LTD.</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><div><a id="a002"></a></div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>NOTICE
OF 2023 ANNUAL GENERAL MEETING OF MEMBERS</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>TO
BE HELD MAY 25, 2023</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="width: 60%; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></td>
    <td style="width: 40%; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">April 5, 2023</span></td></tr>
</table><div>
</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 5.05pt 0pt 0; text-indent: 0.25in">&#160;</p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Notice
is hereby given that the 2023 Annual General Meeting of Members of White Mountains Insurance Group, Ltd. will be held on Thursday,
May 25, 2023 at 8:00 am Atlantic Time at Rosewood Bermuda Hotel, 60 Tucker&#8217;s Point Drive, Hamilton Parish, Bermuda. At this
meeting, you will be asked to consider and vote upon the following proposals:</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 9pt; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 0"></td><td style="width: 18pt; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">1)</span></td><td style="padding-right: 0; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">election
                                         of four directors to Class II with terms ending in 2026;</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif; margin-right: 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 9.35pt; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 0"></td><td style="width: 18pt; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">2)</span></td><td style="padding-right: 0; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">approval
                                         of the advisory resolution on executive compensation; </span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif; margin-right: 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 9.35pt; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 0"></td><td style="width: 18pt; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">3)</span></td><td style="padding-right: 0; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">to
                                         advise on the frequency of future advisory votes on executive compensation; and</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif; margin-right: 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 9pt; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 0"></td><td style="width: 18pt; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">4)</span></td><td style="padding-right: 0; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">approval
                                         of the appointment of PricewaterhouseCoopers LLP (&#8220;PwC&#8221;) as the Company&#8217;s
                                         Independent Registered Public Accounting Firm for 2023.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif; margin-right: 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
Company&#8217;s audited financial statements for the year ended December 31, 2022, as approved by the Company&#8217;s Board of
Directors, will be presented at this Annual General Meeting.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Shareholders
of record of common shares on the record date, Monday, April 3, 2023, (1) who are individuals, may attend and vote at the meeting
in person or by proxy or (2) that are corporations or other entities, may have their duly authorized representative attend and
vote at the meeting in person or by proxy. A list of all Shareholders entitled to vote at the meeting will be open for public
examination during regular business hours beginning on or about April 21, 2023 at the Company&#8217;s registered office located
at Clarendon House, 2 Church Street, Hamilton HM 11, Bermuda.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 5.05pt 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="width: 50%; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></td>
    <td style="width: 50%; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">By Order of the Board of Directors,
    </span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><i>Jennifer L. Moyer</i></span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Corporate Secretary</span></td></tr>
</table><div>
</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 5.05pt 0pt 0; text-indent: 0.25in">&#160;</p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 5.05pt 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><b>Shareholders
are invited to complete and sign the accompanying proxy card to be returned to White Mountains Insurance Group, Ltd., Proxy Services,
c/o Computershare Investor Services, P.O. Box 43101, Providence, RI 02940-5067, in the envelope provided, whether or not they
expect to attend the meeting. Shareholders may also vote their shares by telephone or via the internet in accordance with the
instructions on your proxy card.</b></span></p><div>




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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>WHITE
MOUNTAINS INSURANCE GROUP, LTD.</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><div><a id="a003"></a></div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>PROXY
STATEMENT</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">This
Proxy Statement is being furnished in connection with the solicitation of proxies on behalf of the Company&#8217;s Board of Directors
(the &#8220;Board&#8221;) for the 2023 Annual General Meeting of Members (the &#8220;2023 Annual Meeting&#8221;), to be held on
Thursday, May 25, 2023 at Rosewood Bermuda Hotel, 60 Tucker&#8217;s Point Drive, Hamilton Parish, Bermuda.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Holders
of the Company&#8217;s common shares (&#8220;Shareholders&#8221;), par value $1.00 per share, as of the close of business on Monday,
April 3, 2023, the record date, are entitled to vote at the meeting. The solicitation of proxies will be made primarily by mail,
and the Proxy Statement and related proxy materials will be distributed to registered Shareholders on or about April 21, 2023.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">You
can ensure that your common shares are properly voted at the meeting by completing, signing, dating and returning the enclosed
proxy card in the envelope provided. Shareholders may also vote their shares by telephone or via the internet in accordance with
the instructions on your proxy card. Shareholders have the right to appoint another person (who need not be a Shareholder) to
represent the Shareholder at the meeting by completing an alternative form of proxy which can be obtained from the Corporate Secretary
or by notifying the Inspectors of Election (see page 61). Every Shareholder entitled to vote has the right to do so either in
person or by one or more persons authorized by a written proxy executed by such Shareholder and filed with the Corporate Secretary.
Any proxy duly executed will continue in full force and effect unless revoked by the person executing it in writing or by the
filing of a subsequent proxy.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Sending
in a signed proxy will not affect your right to attend the meeting and vote. If a Shareholder attends the meeting and votes in
person, his or her signed proxy is considered revoked.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>IMPORTANT
VOTING INFORMATION</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">If
you hold your shares through a broker, bank or other financial institution, in order for your vote to be counted on any matter
other than Proposal 4 (the ratification of the selection of PwC as the Company&#8217;s auditor for 2023), you must provide specific
voting instructions to your broker, bank or financial institution by completing and returning the proxy card or following the
instructions provided to you to vote your shares via telephone or the internet. Voting deadlines vary by institution. Please check
with your broker, bank or other financial institution for the voting cut-off date for WTM.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Your
Participation in Voting the Shares You Own Is Important</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Voting
your shares is important to ensure that you have a say in the governance of your company. Please review the proxy materials and
follow the instructions on the proxy card to vote your shares. We hope you will exercise your rights and fully participate in
your Company&#8217;s future.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>More
Information Is Available</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">If
you have any questions about this rule or the proxy voting process in general, please contact the broker, bank or other financial
institution where you hold your shares. The U.S. Securities and Exchange Commission (&#8220;SEC&#8221;) has information available
on the internet at: <span style="text-decoration:underline">https://www.investor.gov/system/files/publications/documents/english/sec-guide-to-proxy-brochures.pdf</span>
with more information about your voting rights as a shareholder.</span></p><div>




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    </div><div style="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><p style="margin: 0pt">&#160;</p></div><div>
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</div><div><a id="a004"></a></div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>PROPOSAL
1</i></b><i> - <b>ELECTION OF THE COMPANY&#8217;S DIRECTORS</b></i></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><div><a id="a005"></a></div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">THE
BOARD OF DIRECTORS</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
Board is divided into three classes (each a &#8220;Class&#8221;). Each Class serves a three-year term.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">At
the 2023 Annual General Meeting, G. Manning Rountree, Mary C. Choksi, Weston M. Hicks and Steven M. Yi are nominated to be elected
to Class II with a term ending in 2026. Of the nominees for election at the 2023 Annual General Meeting, Mr. Rountree and Ms.
Choksi were previously elected by Shareholders. In 2022, the Compensation/Nominating &amp; Governance Committee identified potential
candidates that resulted in Mr. Hicks joining the Board of Directors in February 2023 and Mr. Yi being nominated for election
at the 2023 Annual General Meeting. Mr. Hicks was identified by a third-party search firm. Mr. Yi was recommended by the Chief
Executive Officer.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>The
Board recommends a vote FOR Proposal 1 which calls for the election of the 2023 nominees.</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
director nominees, current members of the Board and terms of each Class are set forth below:</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 90%; font: 11pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; margin-left: 0.25in">
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="width: 51%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 2pt; padding-top: 2pt; text-align: left; vertical-align: bottom"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Director</span></td>
    <td style="width: 14%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 2pt; text-align: center; padding-top: 2pt; vertical-align: bottom"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Age</span></td>
    <td style="width: 20%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: center; padding-bottom: 2pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Director<br/>
    Since</span></td>
    <td style="width: 15%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: center; padding-bottom: 2pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Our
    Board&#8217;s <br/>
    Recommendation</span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 2pt; padding-bottom: 2pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><b><i>Class
    I - Term ending in 2025</i></b></span></td>
    <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 2pt; padding-bottom: 2pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;&#160;&#160;Morgan
    W. Davis, Chairman</span></td>
    <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">72</span></td>
    <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2006</span></td>
    <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 2pt; padding-bottom: 2pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;&#160;&#160;Peter
    M. Carlson</span></td>
    <td style="vertical-align: top; padding-top: 2pt; padding-bottom: 2pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">58</span></td>
    <td style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2019</span></p></td>
    <td style="vertical-align: top; padding-top: 2pt; padding-bottom: 2pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;&#160;&#160;Suzanne
    F. Shank</span></td>
    <td style="vertical-align: top; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">61</span></td>
    <td style="vertical-align: top; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2021</span></td>
    <td style="vertical-align: top; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 2pt; padding-bottom: 2pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><b><i>Class
    II Nominees- Election to a term ending in 2026</i></b></span></td>
    <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: justify; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;&#160;&#160;G.
    Manning Rountree</span></td>
    <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">51</span></td>
    <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2017</span></td>
    <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For</span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: justify; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;&#160;&#160;Mary
    C. Choksi</span></td>
    <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">72</span></td>
    <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2017</span></td>
    <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For</span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: justify; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;&#160;&#160;Weston
    M. Hicks</span></td>
    <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">66</span></td>
    <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2023</span></td>
    <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For</span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt; text-align: justify"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;&#160;&#160;Steven
    M. Yi</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">52</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Nominee
    for election</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For</span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 2pt; padding-bottom: 2pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><b><i>Class
    III - Term ending in 2024</i></b></span></td>
    <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 2pt; padding-bottom: 2pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;&#160;&#160;Margaret
    Dillon</span></td>
    <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">63</span></td>
    <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2021</span></td>
    <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 2pt; padding-bottom: 2pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;&#160;&#160;Philip
    A. Gelston</span></td>
    <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">70</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2018</span></p></td>
    <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;&#160;&#160;David
    A. Tanner</span></td>
    <td style="vertical-align: top; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">64</span></td>
    <td style="vertical-align: top; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2018</span></td>
    <td style="vertical-align: top; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td></tr>
</table><div>


</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
Board is currently comprised of eight independent directors and the Chief Executive Officer. If Mr. Yi and the other director
nominees are elected by shareholders at the 2023 Annual General Meeting, the board will have ten directors, of which eight will
be independent.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Board
Composition and Refreshment </i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 14.05pt 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
Company is committed to maintaining a Board with members from a variety of backgrounds to promote diverse, independent thinking.
Diversity considerations are an important part of the director search process, and the Company believes that regularly enhancing
and refreshing the makeup of the Board is important. In 2021, our Board committed to further expanding its diversity by adding
a highly qualified and racially or ethnically diverse Board member by year-end 2022. The Board fulfilled that commitment prior
to year-end 2022, increasing gender diversity from 29% to 33% and racial or ethnic diversity from 0% to 13%.</span></p><div>





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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
Board remains committed to further expanding its diversity of skills, experience and background. If Mr. Yi and the other director nominees
are elected by shareholders at the 2023 Annual General Meeting, the racial or ethnic diversity of the Board will increase to 20% and
gender diversity will be 30%. With respect to independence, of nine current directors, eight are independent, with 100% independence
on the Audit and Compensation/Nominating &amp; Governance committees. If Mr. Yi and the other director nominees are elected by shareholders
at the 2023 Annual General Meeting, the Board will have ten directors, of which eight will be independent. The Board regularly refreshes
its membership to enhance the diversity of its skills, experience and background to effectively oversee the business as the Company evolves.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 14.05pt 0pt 0; text-indent: 0.25in">&#160;</p><div>

</div><table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0pt; width: 27%; margin-left: auto; margin-right: auto;"><tr style="vertical-align: top; text-align: justify">
<td style="text-align: justify"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left; text-indent: 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><img alt="" src="tm231820d1_def14aimg007.jpg"/>&#160;</span></p>




<p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Reflects
Board composition and refreshment statistics if Mr. Yi and the other director nominees are elected at the 2023 Annual General
Meeting.</span></p></td>
</tr></table><div>







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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Director
Skills and Qualifications </i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Our
Board seeks Directors with a broad range of skills, experience and perspectives in order to ensure effective oversight of the
Company&#8217;s strategies and risks. The Board believes its members must be willing and able to devote adequate time and effort
to Board responsibilities. In evaluating director candidates, the Compensation/Nominating &amp; Governance Committee evaluates
attributes such as independence, integrity, expertise, breadth of experience, diversity, knowledge about the Company&#8217;s business
and industry and ownership in the Company. The skills matrix below highlights our Board&#8217;s key skills and qualifications
that are directly relevant to our business, strategy and operations. The Board reviews this matrix and the overall Board composition
periodically in order to ensure the appropriate balance of diversity, knowledge and experience.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0"><span style="font: 11pt Arial, Helvetica, Sans-Serif"><img alt="" src="tm231820d1_def14aimg008.jpg"/>&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
lack of a checkmark for a particular item does not mean that the director does not possess that qualification, skill or experience,
but rather the checkmark indicates that the item is a particularly prominent qualification, skill or experience that the director
brings to the Board.</span></p><div>




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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Board
of Directors </i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Class
I &#8211; Term Ending in 2025</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<tr style="background-color: #1F3864; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="width: 30%; border: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: white"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><b>Morgan
                                         W. Davis</b></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: white"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><i>Chairman</i></span></p></td>
    <td style="width: 70%; border-top: white 1pt solid; border-right: white 1pt solid; border-bottom: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><b>Qualifications</b></span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><img alt="" src="tm231820d1_def14aimg009.jpg" style="height: 131px; width: 120px"/></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Joined
        in 2006</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Age:
        72</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Chairman
        of the Board</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Committees:
        Compensation/ Nominating &amp; Governance, </span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Executive
        (Chair)</span></p>

</td>
    <td style="border-right: white 1pt solid; border-bottom: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><b>Experience:</b></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Appointed
        Chairman of the Board in March 2017</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Formerly
        Managing Director of OneBeacon (2001 to 2005) and served in a variety of capacities for White Mountains subsidiaries (1994
        to 2001)</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Prior
        to 1994, Mr. Davis had 21 years of experience in the insurance industry, mostly at Fireman&#8217;s Fund Insurance Company
        and INA/Cigna</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Serves
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</table><div>
</div><p style="margin-top: 0; margin-bottom: 0">&#160;</p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<tr style="background-color: #1F3864; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="width: 30%; border: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><b>Peter
    M. Carlson</b></span></td>
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<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><img alt="" src="tm231820d1_def14aimg010.jpg" style="height: 129px; width: 120px"/>&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><span style="font: 10pt Arial, Helvetica, Sans-Serif">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Joined in 2019</span></p>
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Age: 58</span></p>
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Committees:
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Chief Financial Officer of MiMedx Group, a biopharmaceutical company; joined December 2019</span></p>
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Joined Wachovia after fifteen years at Arthur Andersen, where he served as an audit partner working in financial services,
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Serves as a Trustee of Wake Forest University</span></p>
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services industries. </i></span></p></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="border-right: white 1pt solid; border-bottom: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td></tr>
</table><div>

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</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<tr style="background-color: #1F3864; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="width: 30%; border: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><b>Suzanne
    F. Shank</b></span></td>
    <td style="width: 70%; border-top: white 1pt solid; border-right: white 1pt solid; border-bottom: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><b>Qualifications</b></span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 12.25pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><img alt="" src="tm231820d1_def14aimg011.jpg" style="height: 136px; width: 120px"/>&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 12.25pt"><span style="font: 10pt Arial, Helvetica, Sans-Serif">&#160;</span></p>
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Age: 61</span></p>
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Committees: Compensation/Nominating &amp; Governance, Finance </span></p></td>
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 35pt; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;President, CEO and co-founder of Siebert Williams Shank &amp; Co., LLC (formerly Siebert Cisneros Shank &amp; Co., LLC),
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 35pt; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 35pt; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Prior to her financial services career, she worked as a structural engineer at General Dynamics Corporation</span></p>
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 35pt; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Serves as Board Member of Skillman Foundation, Kresge Foundation, Spelman College and Global Citizen</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 35pt; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><i>Ms.
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><b>Select
        Board Service:</b></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 35pt; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Consumers Energy Company - Audit Committee (Public)</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 35pt; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 35pt; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Rocket Companies, Inc. - Audit Committee (Public)</span></p></td></tr>
</table><div>
</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; background-color: #FCFCFC"><b>&#160;</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font: 11pt Arial, Helvetica, Sans-Serif; background-color: #FCFCFC"><b><i>Class
II &#8211; To Be Elected to a Term Ending in 2026</i></b></span><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<tr style="background-color: #1F3864; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="width: 30%; border: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><b>G.
    Manning Rountree</b></span></td>
    <td style="width: 70%; border-top: white 1pt solid; border-right: white 1pt solid; border-bottom: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><b>Qualifications</b></span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><br/>
                                         <br/></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><img alt="" src="tm231820d1_def14aimg012.jpg" style="height: 130px; width: 120px"/>&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Red; text-indent: 0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Red; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Joined in 2017</span></p>
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Age: 51</span></p>
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Committees: Finance, Executive </span></p>
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    <td style="border-right: white 1pt solid; border-bottom: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><b>Experience:</b></span></p>
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Joined White Mountains in 2004</span></p>
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Senior Vice President and Head of Corporate Development, Putnam Investments (2002-2004)</span></p>
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><i>Mr.
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><b>Select
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Build America Mutual Assurance Co. (Private) - Chairman</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Various WTM portfolio companies (Private)</span></p></td></tr>
</table><div>

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    </div><div style="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><p style="margin: 0pt">&#160;</p></div><div>
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</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<tr style="background-color: #1F3864; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="width: 30%; border: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><b>Mary
    C. Choksi</b></span></td>
    <td style="width: 70%; border-top: white 1pt solid; border-right: white 1pt solid; border-bottom: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><b>Qualifications</b></span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><br/>
                                         <br/></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><img alt="" src="tm231820d1_def14aimg013.jpg" style="height: 147px; width: 120px"/>&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Red; text-indent: 0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Red; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Joined in 2017</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Age: 72</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Committees: Finance (Chair), Executive</span></p></td>
    <td style="border-right: white 1pt solid; border-bottom: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><b>Experience:</b></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Founding Partner (and Senior Managing Director/Senior Advisor until February 2017) of Strategic Investment Group, an investment
        management enterprise founded in 1987 which designs and implements global investment strategies for institutional and
        individual investors</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Founder and Managing Director of Emerging Markets Management LLC until May 2011</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Prior to 1987, worked in the Pension Investment Division of the World Bank</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Served as a director of Avis Budget Group from 2007 until 2020</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><i>Ms.
        Choksi has extensive executive and board-level service and investment management expertise gained over the course of her
        40 years in the financial services industry.</i></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><b>Select
        Board Service:</b></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Omnicom Group &#8211; Audit (Chair) and Compensation Committees (Public)</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Franklin Templeton Mutual Funds (24 investment companies) - Audit Committee</span></p></td></tr>
</table><div>
</div><p style="margin-top: 0; margin-bottom: 0"></p><div>

</div><p style="margin-top: 0; margin-bottom: 0">&#160;</p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font-size: 10pt; border-collapse: collapse">
<tr style="background-color: #1F3864; font: 10pt Arial, Helvetica, Sans-Serif">
    <td style="width: 30%; border: white 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><b>Weston
    M. Hicks</b></span></td>
    <td style="width: 70%; border-top: white 1pt solid; border-right: white 1pt solid; border-bottom: white 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><b>Qualifications</b></span></td></tr>
<tr style="vertical-align: top; font: 10pt Arial, Helvetica, Sans-Serif">
    <td style="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></p>
                                                                                                                                                       <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><img alt="" src="tm231820d1_def14aimg014.jpg" style="height: 143px; width: 120px"/>&#160;</span></p>
                                                                                                                                                       <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></p>
                                                                                                                                                       <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Joined
                                         in 2023</span></p>
        <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Age:
        66</span></p></td>
    <td style="border-right: white 1pt solid; border-bottom: white 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><b>Experience:</b></span></p>
        <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></p>
        <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Served
        as President &amp; CEO of Alleghany Corporation from 2004 to 2021</span></p>
        <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Served
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        <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Served
        as Executive Vice President and Chief Financial Officer for The Chubb Corporation from 2001 to 2002</span></p>
        <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Senior
        Research Analyst for J.P. Morgan Securities from 1999 to 2001</span></p>
        <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Senior
        Research Analyst for Sanford C. Bernstein from 1991 to 1999</span></p>
        <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Associate
        Director, Moody&#8217;s Investor Service from 1986 to 1991</span></p>
        <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Prior
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        <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Served
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        <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></p>
        <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><i>Mr.
        Hicks has extensive experience in finance, insurance, investment management, private equity and executive management gained
        over the course of over 40 years in the insurance and financial services industries.</i></span></p></td></tr>
</table><div>






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</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<tr style="background-color: #1F3864; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="width: 30%; border: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><b>Steven
    M. Yi</b></span></td>
    <td style="width: 70%; border-top: white 1pt solid; border-right: white 1pt solid; border-bottom: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><b>Qualifications</b></span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Red"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Red"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt; color: Red"><span style="font: 10pt Arial, Helvetica, Sans-Serif"><img alt="" src="tm231820d1_def14aimg015.jpg" style="height: 121px; width: 120px"/>&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Red"><span style="font: 10pt Arial, Helvetica, Sans-Serif">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Standing for election in 2023</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Age: 52</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></p></td>
    <td style="border-right: white 1pt solid; border-bottom: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><b>Experience:</b></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Standing for election to the Board in May 2023</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Chief Executive Officer and co-founder of MediaAlpha, Inc.</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Served as Chief Executive Officer and co-founder of FareLoop LLC from 2009 to 2011</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Served as Senior Vice President and General Manager, Marketing Services, at Oversee.net from 2007 to 2009</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Chief Executive Officer and co-founder of Candeo Technologies from 2004 to 2007</span></p>
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Vice President, Strategy and Business Development of New.net (Idealab) from 2002 to 2004</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Senior Director of Business Development of The .tv Corporation (Idealab) from 2000 to 2002</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Prior to 2002, Mr. Yi spent several years in the banking and consulting industries at Goldman, Sachs &amp; Co. and Mercer
        Management Consulting (Oliver Wyman)</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><i>Mr.
        Yi has extensive executive, technology and management expertise gained over the course of over 20 years in the insurance
        services and technology industries.</i></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><b>Select
        Board Service:</b></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;MediaAlpha, Inc.</span></p>
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</table><div>
</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Class
III &#8211; Term Ending in 2024</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<tr style="background-color: #1F3864; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="width: 30%; border: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><b>Margaret
    Dillon</b></span></td>
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<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 12.25pt"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 12.25pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></p>
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 12.25pt"><span style="font: 10pt Arial, Helvetica, Sans-Serif">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Joined in 2021</span></p>
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Age: 63</span></p>
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Committees: Audit, Compensation/Nominating &amp; Governance</span></p></td>
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Served as Executive Vice President and Chief Customer Officer, US Consumer Markets, for Liberty Mutual Insurance Company
        from 2014 to 2017</span></p>
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Served as Senior Vice President and Chief Financial Officer, Personal Lines Insurance, for Liberty Mutual Insurance Company
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Served in various technology and finance roles for International Paper from 1984 to 1993</span></p>
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><i>Ms.
        Dillon has extensive executive, financial, and property and casualty insurance expertise gained over the course of over
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><b>Select
        Board Service:</b></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Guidewire Software - Audit Committee (Public)</span></p></td></tr>
</table><div>




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</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<tr style="background-color: #1F3864; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="width: 30%; border: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><b>Philip
    A. Gelston</b></span></td>
    <td style="width: 70%; border-top: white 1pt solid; border-right: white 1pt solid; border-bottom: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><b>Qualifications</b></span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><br/>
                                         <br/></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><img alt="" src="tm231820d1_def14aimg017.jpg" style="height: 130px; width: 120px"/>&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Red; text-indent: 0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Red; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Joined in 2018</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Age: 70</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Committees: Audit, Compensation/ Nominating &amp;<br/>
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    <td style="border-right: white 1pt solid; border-bottom: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><b>Experience:</b></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Joined Cravath, Swaine &amp; Moore LLP in 1978, became a partner in 1984, and retired in December 2017</span></p>
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Currently a member of Cravath&#8217;s Office of General Counsel</span></p>
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Has extensive experience in mergers and acquisitions, joint ventures and general corporate counseling, encompassing complicated
        negotiated transactions, hostile transactions (both offense and defense), cross border transactions, activist defense,
        and advising boards and senior executives, particularly on complex transactions, corporate governance and managing crisis
        situations</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Serves as a Trustee for the Friends of Democracy Prep New York Charter Schools</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><i>Mr.
Gelston has extensive legal and management expertise gained over the course of his 40-year career in the legal field.</i></span></p></td></tr>
</table><div>
</div><p style="margin-top: 0; margin-bottom: 0">&#160;</p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<tr style="background-color: #1F3864; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="width: 30%; border: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><b>David
    A. Tanner</b></span></td>
    <td style="width: 70%; border-top: white 1pt solid; border-right: white 1pt solid; border-bottom: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><b>Qualifications</b></span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><img alt="" src="tm231820d1_def14aimg018.jpg" style="height: 129px; width: 120px"/>&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font: 10pt Arial, Helvetica, Sans-Serif">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Joined in 2018</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Age: 64</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Deputy Chairman of the Board</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Committees: Audit, Finance </span></p></td>
    <td style="border-right: white 1pt solid; border-bottom: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><b>Experience:</b></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Appointed Deputy Chairman of the Board in February 2020</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Managing Director of Three Mile Capital LLC, a private investment company </span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Served as the Managing Director of Arlon Group LLC and as Executive Vice President and a member of the Management Committee
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Served as a Founder and Managing Principal of Quadrangle Group, LLC from 2000 to 2006</span></p>
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Served as Managing Director at Lazard Freres &amp; Co. and Managing Principal at Lazard Capital Partners from 1998 to
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        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Serves as Chairman of the Board of the New York University School of Law, Trustee of New York University, Trustee and
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        and Milton Petrie Foundation, Trustee of Central Synagogue and a member of the Council on Foreign Relations</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><i>Mr.
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        financial services industry.</i></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><b>Select
        Board Service:</b></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9679;&#160;&#160;&#160;&#160;Northeast Bancorp (Public)</span></p></td></tr>
</table><div>

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</div><div><a id="a006"></a></div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">CORPORATE
GOVERNANCE</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">We
are committed to the ethical conduct of our business. This commitment is reflected in our corporate governance and in our corporate
values and culture. Our corporate governance helps us to mitigate and manage risks by providing clear lines of oversight and responsibility
for management and the Board. We review and seek to improve our corporate governance regularly.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
Company&#8217;s Corporate Governance Guidelines spell out our overall approach towards corporate governance. The Company also
has a Code of Business Conduct that applies to all directors, officers and employees in carrying out their responsibilities to,
and on behalf of, the Company. No waivers of the Code of Business Conduct were requested of, or granted by, the Board for any
director or executive officer during 2022.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
Company&#8217;s Corporate Governance Guidelines and Code of Business Conduct are available at our website, <i>www.whitemountains.com</i>.
These documents are available in print, free of charge, to any shareholder upon request.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>The
Board</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
primary responsibility of the Board is to oversee and review management&#8217;s performance in order to advance the long-term
interests of the Company and its shareholders. The day-to-day management of the Company, including preparation of financial statements
and short-term and long-term strategic planning, is the responsibility of management.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">In
fulfilling their responsibility, directors must exercise common sense business judgment and act in what they reasonably believe
to be in the best interests of the Company. Directors keep themselves informed by discussing matters with the CEO, other key executives
and our principal external advisors, such as legal counsel, outside auditors and other consultants, by reading the reports and
other materials that management sends them regularly, and by participating actively in Board and committee meetings. Directors
are entitled to rely on the honesty and integrity of senior management and the Company&#8217;s outside advisors and auditors.
However, it is the Board&#8217;s responsibility to establish that they have a reasonable basis for such reliance by ensuring that
they have a strong foundation for trusting the integrity, honesty and undivided loyalty of the senior management team upon whom
they are relying and the independence and expertise of outside advisors and auditors.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Mr.
Davis, an independent director, serves as Chairman of the Board. At meetings of the Board, Mr. Davis presides over a separate
session of non-management directors without Company management present. In addition to being led by an independent Board Chair,
the Board is comprised of directors who, together, are knowledgeable and experienced in the Company&#8217;s business. The Board
is satisfied that the current structure provides strong oversight of the Company&#8217;s affairs.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Shareholder
Engagement </i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Shareholder
engagement is of great importance to our Board and management team as a means to solicit feedback and to ensure accountability
and responsiveness to our shareholders. We recognize the value in maintaining open lines of communication with our shareholders
and consider our robust annual shareholder outreach program to be an important governance tool. In these meetings, we address
any trends, topics or issues that participating shareholders wish to discuss with us. As part of our shareholder engagement efforts
in 2022, we reached out to shareholders owning 71% of outstanding shares and met with all shareholders who accepted a meeting,
who represented 32% of outstanding shares. Our Compensation / Nominating &amp; Governance Committee Chair personally led discussions
in meetings with shareholders representing 9% of outstanding shares.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">These
discussions centered around our business strategy, corporate governance (including Board diversity), executive compensation program
composition of our board, and enhancements to our ESG disclosures. More specifically, we discussed our significant business achievements
in 2022, our ESG practices, our continued focus on Board diversity, and our compensation philosophy and metrics. Our shareholders
continued to express support for the changes we made to our compensation program in 2019, which included (i) making our annual
bonus program for executive officers entirely formulaic with a pre-established, rigorous and quantifiable performance target relevant
for our Company and industry and (ii) adopting share ownership guidelines for our executive officers. Our shareholders were supportive
of our approach in 2022.</span></p><div>





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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><img alt="" src="tm231820d1_def14aimg019.jpg"/>&#160;</p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Our
Annual Investor Meeting provides another opportunity for us to engage with our shareholders. The Company will hold its 2023 Annual
Investor Meeting on Tuesday, June 6, 2023. Please refer to the Company&#8217;s website for further details.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Management
and the Board recognize the value of direct shareholder input and take our shareholders&#8217; views into account in managing
or overseeing the Company. Shareholder feedback is regularly communicated to our full Board, and the input we received directly
informed enhancements implemented to our executive compensation program in 2019, as well as enhanced disclosures relating to corporate
governance, ESG and board diversity in our proxy statement.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Director
Independence</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
Board has determined that a majority of the Company&#8217;s current directors are independent, as defined in Section 303A of the
New York Stock Exchange (&#8220;NYSE&#8221;) Listed Company Manual. Those directors determined to be independent are Messrs. Carlson,
Davis, Gelston, Hicks and Tanner and Mmes. Choksi, Dillon and Shank. For a director to be independent, the Board must determine
that the director has no relationship with the Company (other than being a director or shareholder of the Company or its subsidiaries)
or has only immaterial relationships with the Company. The Company does not apply categorical standards as a basis for determining
director independence. Accordingly, the Board considers all relevant facts and circumstances, on a case-by-case basis, in making
an independence determination.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
Board notes no current relationships (other than being directors or shareholders) with Messrs. Carlson, Davis, Gelston, Hicks
and Tanner or Mmes. Choksi, Dillon and Shank. In making its independence determinations, the Board would consider any such relationship
in light of NYSE standards as well as the attributes it believes should be possessed by independent-minded directors. Those attributes
include the relative impact of the transactions to the director&#8217;s personal finances, the perceived degree of dependence
by the director or the Company upon the relationship or transactions continuing in the future and whether the transactions were
on terms that were reasonable and competitive.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Board
Meetings and Committees; Annual Meeting Attendance</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">During
2022, the following meetings of the Board were held: five meetings of the full Board, eight meetings of the Audit Committee, five
meetings of the Compensation/Nominating &amp; Governance Committee, four meetings of the Finance Committee and two meetings of
the Self-Tender Pricing Committee. During 2022, each director attended more than 75% of the aggregate of: (1) the total number
of meetings of the Board (held during the period for which he or she has been a director); and (2) the total number of meetings
held by all committees of the Board on which he or she served.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">It
is White Mountains practice that all directors are invited to, receive materials for and generally attend all Committee meetings.
In addition, each Committee Chair provides regular updates to the full Board regarding Committee activities. Directors are encouraged
to attend the Annual General Meeting. All of the Company&#8217;s directors were in attendance at the 2022 Annual General Meeting,
which was held on May 26, 2022.</span></p><div>




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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Committees
of the Board</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="width: 34%; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Compensation/Nominating
                                         &amp; Governance Committee </b></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Met
        five times during fiscal year 2022</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Current
Committee Members:</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;&#160;Phil Gelston (Chair)&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;&#160;Morgan Davis&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;&#160;Margaret Dillon&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;&#160;Suzanne Shank&#160;</span></p></td>
    <td style="width: 66%; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><span style="text-decoration:underline">Primary
Responsibilities</span>&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;
        &#160;Review and make recommendations on director compensation&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;
        Discharge the Board&#8217;s responsibilities relating to the compensation of executives &#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;
        Oversee the administration of the Company&#8217;s (and, to the extent the Committee deems appropriate, the major subsidiaries
        of the Company) compensation plans, in particular the incentive compensation and equity-based plans&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;
        Prepare the annual report on executive compensation required by the rules and regulations of the Securities and Exchange
        Commission (the &#8220;Commission&#8221;) to be included in the Company&#8217;s annual proxy statement or annual report on
        Form 10-K, as applicable&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;
        Identify individuals qualified to become Board members and recommend such individuals to the Board for nomination for
        election to the Board&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;
        Make recommendations to the Board concerning committee appointments</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;
        Develop, recommend and annually review corporate governance guidelines applicable to the Company and oversee corporate
        governance matters&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;
        Oversee the Company&#8217;s strategy with respect to environmental stewardship, sustainability and corporate social
        responsibility&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;
        Review the CEO&#8217;s short-term and long-term succession plans for the CEO and other senior management positions and report
        to the Board on succession planning&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;
        Oversee the evaluation of the Board and management</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
        Compensation/Nominating &amp; Governance Committee Charter, which outlines the duties and responsibilities of the Compensation/Nominating
        &amp; Governance Committee, is available at www.whitemountains.com. The Compensation/Nominating &amp; Governance Committee
        Charter is available in print, free of charge, to any shareholder upon request.</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><span style="text-decoration:underline">Independence
        </span></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
        Board has determined that each current member of the Compensation/Nominating &amp; Governance Committee satisfies applicable
        NYSE requirements.</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p></td></tr>
</table><div>

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</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="width: 34%; border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Audit
                                         Committee </b></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Met
        eight times during fiscal year 2022</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Current
Committee Members:</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;
Peter Carlson (Chair)</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;
Margaret Dillon</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;
Philip Gelston </span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;
        David Tanner</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p></td>
    <td style="width: 66%; border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><span style="text-decoration:underline">Primary
Responsibilities</span></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;&#160;Assist
with Board oversight of the: &#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 62.1pt; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">-&#160;&#160;&#160;&#160;&#160;Integrity of the Company&#8217;s financial statements;&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 62.1pt; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">-&#160;&#160;&#160;&#160;&#160;Qualifications and independence of the independent auditors;&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 62.1pt; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">-&#160;&#160;&#160;&#160;&#160;Performance of the internal audit function and the independent auditors; and&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 62.1pt; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">-&#160;&#160;&#160;&#160;&#160;Company&#8217;s
compliance with legal and regulatory requirements&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;&#160;Provide
an avenue of communication among the independent auditors, management, the internal auditors and the Board&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;&#160;Approve
certain related or affiliated person transactions and review disclosures thereof &#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;&#160;Prepare
the Audit Committee Report &#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;&#160;Discuss
with management the Company&#8217;s policies with respect to risk assessment and risk management, including the Company&#8217;s
major financial risk exposures and risks related to environmental, social and governance matters, and the steps management has
taken to monitor and control those exposures &#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;&#160;Receive
a report, at least annually, on company-wide risks&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;&#160;Meet individually in private session with the Company&#8217;s Chief Financial Officer, General Counsel, General Auditor,
        Chief Accounting Officer, and the independent auditors at its quarterly meetings </span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
        Audit Committee Charter, which outlines the duties and responsibilities of the Audit Committee, is available at <i>www.whitemountains.com</i>.
        The Audit Committee Charter is available in print, free of charge, to any shareholder upon request.</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><span style="text-decoration:underline">Financial
        Expertise and Independence </span></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
        Board has determined that, of the persons on the Audit Committee, at a minimum Mr. Carlson meets the requirements of being
        an Audit Committee Financial Expert as defined in Item 407(d) of Regulation S-K of the Securities Exchange Act of 1934,
        as amended.</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
        Board has also determined that each current member of the Audit Committee satisfies applicable NYSE requirements as well
        as the separate independence standards set forth by the SEC.</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><span style="text-decoration:underline">Report</span></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
Audit Committee Report is included in this Proxy Statement beginning on page 57.</span></p></td></tr>
</table><div>
</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>
</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 8pt; border-top: Black 1pt solid"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; "><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Finance
Committee </b></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Met
        four times during fiscal year 2022</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Current
Committee Members:&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;&#160;Mary
Choksi (Chair)&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;&#160;Manning
Rountree&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;&#160;Suzanne
Shank&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;&#160;David
Tanner&#160;</span></p></td>
    <td style="width: 66%; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 8pt; border-top: Black 1pt solid"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><span style="text-decoration:underline">Primary
Responsibilities</span></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;&#160;Formulate
the Company&#8217;s investment policy and investment guidelines&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;&#160;Review
the performance and asset allocation of the Company&#8217;s investment portfolio on a regular basis&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;&#160;Monitor
the capital, debt, and corporate structure of the Company &#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;&#160;&#160;&#160;&#160;In coordination with the Audit Committee, review the adequacy of risk management, including with respect to new business
opportunities outside of traditional property and casualty insurance and reinsurance &#160;</span></p></td></tr>
</table><div>




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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Interlocks
and Insider Participation</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">No
member of the Compensation/Nominating &amp; Governance Committee was an employee of the Registrant during the last fiscal year
or has served as an officer of the Registrant.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Consideration
of Director Nominees </i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><i><span style="text-decoration:underline">General
Criteria and Process for Selection of Director Candidates.</span></i> Our Compensation/Nominating &amp; Governance Committee regularly
reviews the individual and collective skills and other attributes of Board members. In identifying and evaluating director candidates,
the Compensation/Nominating &amp; Governance Committee does not set specific criteria for directors. Under its Charter, the Committee
is responsible for determining desired Board skills and evaluating attributes such as independence, integrity, expertise, breadth
of business and life experience, diversity and knowledge about the Company&#8217;s business and industry and ownership interest
in the Company. Directors must be willing to devote adequate time and effort to Board responsibilities. As set forth in the Company&#8217;s
Corporate Governance Guidelines and its Charter, the Committee is responsible for recommending director candidates to the Board.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
Compensation/Nominating &amp; Governance Committee has the authority to retain search firms to be used to identify director candidates.
During 2022, a third-party search firm helped to identify Weston Hicks, our newest director. We inform any director search firm
that may be retained of our preference to include highly qualified candidates who have diverse identities or backgrounds (including
in respect of gender or gender identity, race, ethnicity or sexual identity) in the pool of potential candidates it presents for
consideration by the Board.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><i><span style="text-decoration:underline">Consideration
of Diversity in Selection of Director Candidates</span></i><span style="text-decoration:underline">.</span> We believe that a variety of perspectives, opinions, backgrounds,
business and life experiences and tenure among the members of the Board enhances the Board&#8217;s ability to perform its duties
and effectively oversee the Company&#8217;s business. In the selection of director candidates, we welcome a diversity of skills,
backgrounds, business and life experiences, identities and viewpoints. The Board enhanced its diversity in 2021 with the addition
of two female directors (Mmes. Dillon and Shank) and one racially diverse director (Ms. Shank) and will further increase the Board&#8217;s
skills, racial and ethnic diversity if Mr. Steven M. Yi is elected by shareholders at the 2023 Annual General Meeting.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><i><span style="text-decoration:underline">Consideration
of Director Candidates Nominated by Shareholders.</span></i> The Company has not adopted a specific policy regarding consideration
of director candidates from shareholders. Shareholders who wish to recommend candidates for consideration by the Committee may
submit their nominations in writing to the Corporate Secretary at the address provided in this Proxy Statement. The Committee
may consider such shareholder recommendations when it evaluates and recommends candidates to the Board for submission to shareholders
at each annual general meeting. In addition, shareholders may nominate director candidates for election without consideration
by the Committee by complying with the eligibility, advance notice and other provisions of our Bye-laws as described below.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><i><span style="text-decoration:underline">Procedures
for Nominating Director Candidates.</span></i> Under the Company&#8217;s Bye-laws, nominations for the election of directors may
be made by the Board or by any shareholder entitled to vote for the election of directors (a &#8220;Qualified Shareholder&#8221;).
A Qualified Shareholder may nominate persons for election as directors only if written notice of such Qualified Shareholder&#8217;s
intent to make such nomination is delivered to the Secretary not later than: (1) with respect to an election to be held at an
annual general meeting, 90 days prior to the anniversary date of the immediately preceding annual general meeting or not later
than 10 days after notice or public disclosure of the date of the annual general meeting is given or made available to Qualified
Shareholders, whichever date is earlier, and (2) with respect to an election to be held at a special general meeting for the election
of directors, the close of business on the seventh day following the date on which notice of such meeting is first given to Qualified
Shareholders. Each such notice shall set forth: (a) the name and address of the Qualified Shareholder who intends to make the
nomination and of the person or persons to be nominated; (b) a representation that the Qualified Shareholder is a holder of record
of common shares entitled to vote at such meeting and intends to appear in person or by proxy at the meeting to nominate the person
or persons specified in the notice; (c) a description of all arrangements or understandings between the Qualified Shareholder
and each such candidate and any other person or persons (naming such person or persons) pursuant to which the nomination or nominations
are to be made by the Qualified Shareholder; (d) such other information regarding each candidate proposed by such Qualified Shareholder
as would have been required to be included in a proxy statement filed </span></p><div>

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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font: 11pt Arial, Helvetica, Sans-Serif">pursuant to the proxy rules of the SEC had each such candidate
been nominated, or intended to be nominated, by the Board; and (e) the consent of each such candidate to serve as a director of
the Company if so elected.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Shareholder
Communications</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Shareholders,
employees and others interested in communicating directly with the Board, any of the Board&#8217;s Committees or any individual
member of the Board should write to the addressee, c/o the Corporate Secretary, at the address presented under &#8220;Available
Information&#8221; (which appears on page 62).</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Succession
Planning</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">One
of the top responsibilities of the Board is to ensure continuity in White Mountains&#8217;s senior leadership by overseeing the
development of executive talent and planning for the efficient succession of the CEO and other senior executives. Among the responsibilities
of the Compensation/Nominating &amp; Governance Committee is to review, at least annually, the CEO&#8217;s short-term and long-term
succession plans for the CEO and other senior management positions and report to the Board on succession planning. Our goal is
to develop well-rounded and experienced leaders. The Company ensures that our executives have the necessary internal or external
training and mentoring they need to develop professionally. Our high potential executives are regularly challenged with additional
responsibilities and positioned to interact more frequently with the Board so Directors can get to know and assess them.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Risk
Oversight</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
Board, directly and through its Committees, plays an active role in the oversight of the Company&#8217;s risk management. The
subject of risk management is a recurring agenda item, for which the Board regularly receives reports from management on capital,
investments, and operations, including the risks associated with each and the steps management is taking to manage those risks.
The Board discusses with management the Company&#8217;s business strategy, risk appetite and appropriate levels of risk, as well
as considerations of ESG risks, such as the impact of climate change, human capital management and cybersecurity threats.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
Board&#8217;s committees are assigned oversight responsibility for particular areas of risk. For example, the Audit Committee
receives a report, at least annually, on company-wide risks which considers operational, financial, legal, compliance, cyber and
reputational risks, as well as climate risks and sustainability matters. The Compensation/Nominating &amp; Governance Committee
oversees risk related to executive compensation plans and implementation, corporate governance, succession planning, environmental
stewardship, sustainability and corporate social responsibility. The Finance Committee oversees the risks related to managing
the Company&#8217;s investment portfolio. Full Board meetings and individual Committee meetings are scheduled so as not to overlap
and all directors are encouraged to attend all committee meetings, allowing for every director to participate and provide guidance
regarding any risk concerns.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">More
information about the Company&#8217;s approach to risk management, including the primary frameworks used to assess risk and our
approach to business continuity and the management of cybersecurity risks, is available on the ESG landing page on our Company
website (<i><span style="text-decoration:underline">www.whitemountains.com/esg/</span></i>).</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Enhancing
Environmental, Social and Governance Practices and Disclosures</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">White
Mountains strives to create superior growth in the Company&#8217;s intrinsic value per share over long periods of time.&#160; In order
to achieve this goal, and in order to steward our owners&#8217; capital effectively, the Board and management are committed to sustainability
and corporate responsibility. We have made this commitment an integral part of our culture and practices.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">In
2020, with oversight from the Board of Directors, White Mountains embarked on a project designed to improve our ESG practices
and disclosures. We identified ESG priorities that align with both our Company&#8217;s business strategy as well as industry and
investor expectations. Our key areas of focus included (i) amending the Company&#8217;s investment policy to address ESG, (ii)
adopting a climate change statement, (iii) formalizing the Board&#8217;s oversight of ESG matters, and (iv) further integrating
climate-</span></p><div>

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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font: 11pt Arial, Helvetica, Sans-Serif">related risks into our risk management practices. In response to feedback from shareholders, we also committed to improve
the communication of our ESG practices by launching an ESG page within our corporate website.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Our
ESG Practices</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">To
strengthen our ESG practices, we undertook a comprehensive gap analysis to identify areas to improve that would align with our
business strategy as well as industry and investor expectations. ESG topics were prioritized based on relevance, applicability
and feasibility of implementation. The full Board had oversight of this process and final approval of the ESG focus areas and
actions, which included:</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>ESG
                                         in Our Investment Policy: </b>In 2021, we revised our investment policy to address ESG
                                         factors. We consider ESG factors when (i) making investment decisions in respect of internally
                                         managed portfolios and (ii) selecting external investment managers. </span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Board
                                         Oversight of ESG: </b>In 2021, the charters of the Audit, Finance and Compensation/Nominating
                                         &amp; Governance Committees were amended to explicitly include ESG oversight responsibilities.
                                         The CNG Committee has responsibility for overseeing the Company&#8217;s strategy with
                                         respect to corporate governance; environmental stewardship, sustainability and corporate
                                         social responsibility; and succession planning for senior executives. The Finance Committee
                                         has responsibility for formulating and approving the investment policy for White Mountains,
                                         including the incorporation of ESG considerations. The Audit Committee has responsibility
                                         for the oversight of ESG risks as part of its risk management oversight responsibilities.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Statement
                                         on Climate Change:</b> In 2021, we adopted a corporate statement on climate change as
                                         follows:</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 41.05pt 0pt 0.75in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#8220;Climate
change contributes to higher temperatures, sea level rise and more extreme weather events including droughts, heavy storms, wildfires
and stronger hurricanes.&#160; We do not manufacture products that produce carbon, nor do we otherwise meaningfully impact the
environment through our operations. However, as the owner and operator of a diversified group of businesses in insurance, financial
services and related sectors, we are exposed to risks that are exacerbated by climate change, in particular in our property and
casualty insurance/reinsurance and municipal bond guaranty businesses.&#160; Accordingly, in our risk management processes, we
consider the potential impact of the effects of climate change.&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 41.05pt 0pt 0.75in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 41.05pt 0pt 0.75in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">We
also believe that we have an important role to play as a responsible corporate citizen on climate change matters. Our corporate
philanthropy reflects our commitment to the environment.&#8221;&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 41.05pt 0pt 0.75in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>ESG
                                         in Our Risk Management: </b>Through our risk management activities, we seek to identify
                                         and assess major risks that could affect our businesses. We consider ESG risks, such
                                         as the impact of climate change and human capital management, in our risk management
                                         processes. In 2021, we added information on our risk management practices, including
                                         the primary frameworks used to assess risk and our approach to business continuity and
                                         the management of cybersecurity risks, to our Company website. </span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Communication
                                         of Our ESG Practices: </b>To respond to feedback received in our annual shareholder engagement,
                                         we have developed an ESG landing page on our corporate website to communicate our practices
                                         more effectively. The ESG page contains an overview of how ESG is incorporated into our
                                         corporate governance and business ethics, our approach to climate change, our investment
                                         management activities, our human capital management, our approach to risk management
                                         and our community engagement. </span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">More
detailed information on the practices outlined above is available on the ESG landing page on our Company website (<i><span style="text-decoration:underline">www.whitemountains.com/esg/</span>)</i>.</span></p><div>




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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Human
Capital Management and Diversity &amp; Inclusion</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Our
strength lies in our people, and we proactively support each employee&#8217;s well-being and development. Our Board receives periodic
reporting on employee satisfaction and concerns and interacts with employees across our organization. We have an inclusive, team-oriented
culture in which all employees are treated with respect. Under the guidelines of our Code of Business Conduct, we are firmly committed
to providing equal employment opportunities. In our recruiting practices at our parent company, we require that a diverse slate
of candidates be considered for every open position. We deeply value diversity of backgrounds, experiences and ideas, which we
believe fosters more engaging discussions, stronger collaboration and better company performance. We invest in the professional
development of our workforce and are committed to the long-term development of our workforce and the cultivation of our next generation
of leaders. To support the advancement of our employees at the parent company, we endeavor to strengthen their qualifications
by providing access to training in financial skills, effective communication and institutional knowledge. Our parent company mentoring
program encourages new relationships and additional career support opportunities, and our Educational Assistance Program funds
external professional development opportunities to further enhance job-related skills.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Corporate
Social Responsibility</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">White
Mountains is committed to the communities in which we live and work, and many of our employees actively support non-profit organizations
in their respective communities. Their focus is mirrored by our corporate philanthropy efforts at our parent company, which include
a charitable matching gift program, corporate support for environmental and social causes in the communities in which we operate,
and partnerships with high quality organizations focused on issues of diversity &amp; inclusion.</span></p><div>




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</div><div><a id="a007"></a></div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">VOTING
SECURITIES AND PRINCIPAL HOLDERS THEREOF</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Voting
Rights of Shareholders</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">As
of April 1, 2023, there were 2,568,039 common shares outstanding. Shareholders of record of common shares shall be entitled to
one vote per common share, provided that if, and so long as, the votes conferred by &#8220;Controlled&#8221; common shares (as
defined below) of any person constitute ten percent (10%) or more of the votes conferred by the outstanding common shares of the
Company, each outstanding common share comprised in such Controlled common shares shall confer only a fraction of a vote that
would otherwise be applicable according to the following formula:</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">[(T
divided by 10)-1] divided by C</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Where:
 &#8220;T&#8221; is the aggregate number of votes conferred by all the outstanding common shares; and &#8220;C&#8221; is the number
of votes conferred by the Controlled common shares of such person.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#8220;Controlled&#8221;
common shares in reference to any person means:</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 36pt; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 27pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">(1)</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">all
                                         common shares directly, indirectly, or constructively owned by such person within the
                                         meaning of Section 958 of the Internal Revenue Code of 1986, as amended, of the United
                                         States; and</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 36pt; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 27pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">(2)</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">all
                                         common shares directly, indirectly, or constructively owned by any person or &#8220;group&#8221;
                                         of persons within the meaning of Section 13(d)(3) of the Exchange Act and the rules and
                                         regulations promulgated thereunder; provided that this clause (ii) shall not apply to
                                         (a) any person (or any group that includes any person) that has been exempted from the
                                         provisions of this clause or (b) any person or group that the Board, by the affirmative
                                         vote of at least seventy-five percent (75%) of the entire Board, may exempt from the
                                         provisions of this clause.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
limitations set forth above do not apply to any Shareholder which is a &#8220;Byrne Entity&#8221; (as defined below) for any matter
submitted to the vote of Shareholders, except with respect to the election of directors. &#8220;Byrne Entity&#8221; means any
foundation or trust established by John J. Byrne, Patrick Byrne, and any associate or affiliate of any of them (or any group of
which any of them is a part), as defined under Section 13(d) of the United States Securities Exchange Act of 1934, as amended.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">If,
as a result of giving effect to the foregoing provisions or otherwise, the votes conferred by the Controlled common shares of
any person would otherwise represent 10% or more of the votes conferred by all the outstanding common shares, the votes conferred
by the Controlled common shares of such person shall be reduced in accordance with the foregoing provisions. Such process shall
be repeated until the votes conferred by the Controlled common shares of each person represent less than 10% of the votes conferred
by all common shares.</span></p><div>




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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Security
Ownership of Certain Beneficial Owners</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">To
the knowledge of the Company, there was no person or entity beneficially owning more than 5% of the common shares outstanding
as of April 1, 2023, except as shown below.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 85%; border-collapse: collapse; margin-left: 0.5in">
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="width: 57%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 1pt; padding-bottom: 0.2pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name
    and Address of Beneficial Owner</span></td>
    <td style="width: 12%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 1pt; padding-bottom: 0.2pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Amount
    of <br/>
Beneficial <br/>
Ownership</span></td>
    <td style="width: 4%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 1pt; padding-bottom: 0.2pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="width: 12%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 1pt; padding-bottom: 0.2pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Percent
    of <br/>
Class</span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 1pt; padding-bottom: 0.2pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="padding-top: 1pt; padding-bottom: 0.2pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="padding-top: 1pt; padding-bottom: 0.2pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="padding-top: 1pt; padding-bottom: 0.2pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 1pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The
    Vanguard Group&#160;&#160;100 Vanguard Blvd., Malvern, PA 19355</span></td>
    <td style="padding-top: 1pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">257,153</span></td>
    <td style="padding-top: 1pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;&#160;(a)</span></td>
    <td style="padding-top: 1pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">10.0
    %</span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 1pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Morgan
    Stanley&#160;&#160;1585 Broadway, New York, NY &#160;10036</span></td>
    <td style="padding-top: 1pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">180,369</span></td>
    <td style="padding-top: 1pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;&#160;(b)</span></td>
    <td style="padding-top: 1pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">7.0
    %</span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 1pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Dimensional
    Fund Advisors LP&#160;&#160;6300 Bee Cave Rd., Austin, TX 78746</span></td>
    <td style="padding-top: 1pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">160,079</span></td>
    <td style="padding-top: 1pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;&#160;(c)</span></td>
    <td style="padding-top: 1pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">6.2
    %</span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 1pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Fuller
    &amp; Thaler Asset Management, Inc.&#160;&#160;411 Borel Ave., San Mateo, CA 94402</span></td>
    <td style="padding-top: 1pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">153,270</span></td>
    <td style="padding-top: 1pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;&#160;(d)</span></td>
    <td style="padding-top: 1pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">6.0
    %</span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 1pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">River
    Road Asset Management, LLC&#160;&#160;462 S. 4<sup>th</sup> St., Louisville, KY 40202</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 1pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">139,423</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;&#160;(e)</span></p></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 1pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5.4
    %</span></td></tr>
</table><div>
</div><p style="margin-top: 0; margin-bottom: 0">&#160;</p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.75in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(a)</span></td><td style="padding-right: 54.2pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Information
                                         as of February 28, 2023, based on Schedule 13G filed with the Securities and Exchange
                                         Commission on March 10, 2023, by and on behalf of The Vanguard Group.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.75in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(b)</span></td><td style="padding-right: 0.75in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Information
                                         as of December 31, 2022, based on Schedule 13G filed with the Securities and Exchange
                                         Commission on February 10, 2023, by and on behalf of Morgan Stanley.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.75in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(c)</span></td><td style="padding-right: 54.2pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Information
                                         as of December 31, 2022, based on Schedule 13G filed with the Securities and Exchange
                                         Commission on February 14, 2023, by and on behalf of Dimensional Fund Advisors LP.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.75in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(d)</span></td><td style="padding-right: 54.2pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Information
                                         as of December 31, 2022, based on Schedule 13G filed with the Securities and Exchange
                                         Commission on February 14, 2023, by and on behalf of Fuller &amp; Thaler Asset Management,
                                         Inc.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.75in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(e)</span></td><td style="padding-right: 54.2pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Information
                                         as of December 31, 2022, based on Schedule 13G filed with the Securities and Exchange
                                         Commission on February 8, 2023, by and on behalf of River Road Asset Management, LLC.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Security
Ownership of Management</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
following table sets forth, as of April 1, 2023, beneficial ownership of common shares by each director, the Named Executive Officers
(as defined on page 32) and all other executive officers as a group:</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 80%; font: 11pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; margin-left: 0.75in">
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-top: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 3.35pt; padding-bottom: 3.15pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td colspan="6" style="border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 3.35pt; padding-bottom: 3.15pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Amount
    of Ownership </span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 3.35pt; padding-bottom: 3.15pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name
    of Beneficial Owner</span></td>
    <td colspan="2" style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 3.35pt; padding-bottom: 3.15pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Beneficially
    (a)</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 3.35pt; padding-bottom: 3.15pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 3.35pt; padding-bottom: 3.15pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td colspan="2" style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 3.35pt; padding-bottom: 3.15pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Economically
    (b)</span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: bottom; width: 38%; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Liam
    P. Caffrey</span></td>
    <td style="vertical-align: bottom; width: 16%; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,500</span></td>
    <td style="width: 3%; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="width: 2%; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="width: 2%; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="vertical-align: bottom; width: 16%; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5,000</span></td>
    <td style="width: 3%; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Reid
    T. Campbell</span></td>
    <td style="vertical-align: bottom; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">16,008</span></td>
    <td style="text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="vertical-align: bottom; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">17,808</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Peter
    M. Carlson</span></td>
    <td style="vertical-align: bottom; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">788</span></td>
    <td style="text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="vertical-align: bottom; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">788</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Mary
    C. Choksi</span></td>
    <td style="vertical-align: bottom; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,363</span></td>
    <td style="text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="vertical-align: bottom; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,363</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Morgan
    W. Davis</span></td>
    <td style="vertical-align: bottom; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">7,739</span></td>
    <td style="text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="vertical-align: bottom; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">7,739</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Margaret
    Dillon</span></td>
    <td style="vertical-align: bottom; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">450</span></td>
    <td style="text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="vertical-align: bottom; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">450</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Philip
    A. Gelston</span></td>
    <td style="vertical-align: bottom; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,238</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="vertical-align: bottom; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,238</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Michaela
    Hildreth</span></td>
    <td style="vertical-align: bottom; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3,596</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="vertical-align: bottom; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5,546</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Weston
    M. Hicks</span></td>
    <td style="vertical-align: bottom; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,056</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="vertical-align: bottom; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,056</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">G.
    Manning Rountree</span></td>
    <td style="vertical-align: bottom; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">23,057</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="vertical-align: bottom; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">30,457</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Robert
    L. Seelig</span></td>
    <td style="vertical-align: bottom; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">19,778</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="vertical-align: bottom; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">23,028</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Susanne
    F. Shank</span></td>
    <td style="vertical-align: bottom; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">376</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="vertical-align: bottom; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">376</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">David
    A. Tanner</span></td>
    <td style="vertical-align: bottom; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,613</span></td>
    <td style="text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="vertical-align: bottom; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,613</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td></tr>
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 3.35pt; padding-bottom: 3.15pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">All
    directors, Named Executive Officers and all other executive officers as a group (13 persons)</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;79,562</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 3.35pt; padding-bottom: 3.15pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 3.35pt; padding-bottom: 3.15pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 3.35pt; padding-bottom: 3.15pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">96,462</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 3.35pt; padding-bottom: 3.15pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></td></tr>
</table><div>
</div><p style="margin-top: 0; margin-bottom: 0">&#160;</p><div>

</div><table cellpadding="0" cellspacing="0" style="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<td style="font: 9pt Arial, Helvetica, Sans-Serif; width: 0.75in"></td><td style="font: 9pt Arial, Helvetica, Sans-Serif; width: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(a)</span></td><td style="font: 9pt Arial, Helvetica, Sans-Serif; padding-right: 72.7pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The
                                            common shares shown as beneficially owned by all directors, Named Executive Officers and
                                            all other executive officers as a group represent 3.1% of the total common shares outstanding
                                            at April 1, 2023. No director or executive officer beneficially owned 1% or more of the total
                                            common shares outstanding at that date. Beneficial ownership has been determined in accordance
                                            with Rule 13d-3 of the Exchange Act.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<td style="font: 9pt Arial, Helvetica, Sans-Serif; width: 0.75in"></td><td style="font: 9pt Arial, Helvetica, Sans-Serif; width: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(b)</span></td><td style="font: 9pt Arial, Helvetica, Sans-Serif; padding-right: 72.7pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Common
                                            shares shown as economically owned include common shares beneficially owned and target unearned
                                            performance share awards, less any common shares in which the owner disclaims a pecuniary
                                            interest.</span></td></tr></table><div>





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</div><div><a id="a008"></a></div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">EXECUTIVE
COMPENSATION</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #00B0F0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 14pt"><b>FROM
OUR COMPENSATION/NOMINATING &amp; GOVERNANCE COMMITTEE</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #00B0F0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Dear
Fellow Shareholders:</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">One
of our most important responsibilities as the independent Compensation/Nominating &amp; Governance Committee (the &#8220;CNG Committee&#8221;)
is to structure our executive compensation program (i) to create strong alignment of interests with shareholders and (ii) to attract,
retain and motivate talented executives who create long-term value for the Company and its shareholders.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">We
regularly seek feedback from our shareholders on our compensation practices. This year, we reached out to shareholders owning
71% of White Mountains&#8217; outstanding shares and we met with all shareholders who accepted a meeting (32% of our outstanding
shares). Mr. Philip Gelston, the CNG Committee Chair, led the discussions in several of these meetings. The feedback received
during these meetings was valuable input for our continuous review and improvement of our compensation program.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Compensation
Program Highlights</b>:</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><img alt="" src="tm231820d1_def14aimg019a.jpg"/></td><td style="padding-right: 14.05pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">In
                                         2022, base salaries for Named Executive Officers remained capped at $500,000. Effective
                                         March 2023, we increased the cap from $500,000 to $600,000. This is the first increase
                                         since 2008 and was largely inflation driven. We continue to believe in offering fixed
                                         compensation that is below market.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #CF9F24"><img alt="" src="tm231820d1_def14aimg019a.jpg"/></span></td><td style="padding-right: 14.05pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">We
                                         also continue to believe in paying for performance. In 2022, 92% of total CEO compensation
                                         (at target) was meaningfully &#8220;at risk&#8221; &#8211; dependent on Company performance
                                         or share price performance or both.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #CF9F24"><img alt="" src="tm231820d1_def14aimg019a.jpg"/></span></td><td style="padding-right: 0.2in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">For
                                         all Named Executive Officers, the annual target bonus opportunity remains at 75% of salary.
                                         </span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #CF9F24"><img alt="" src="tm231820d1_def14aimg019a.jpg"/></span></td><td style="padding-right: 0.2in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">For
                                         all Named Executive Officers, 50% of the annual LTIP grants take the form of three-year
                                         cliff-vested restricted stock and 50% take the form of three-year performance shares.
                                         For the past three years, we have set the performance target goal equal to the 10-year
                                         Treasury yield plus 700 basis points (which is our long-term equity return target). As
                                         yields have risen over the past several years, our targets have increased in lockstep.
                                         </span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>History
of Responsiveness to Shareholder Feedback on Compensation and Governance</b>:</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.2in 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Following
proactive shareholder engagement in recent years, White Mountains has:</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.2in 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #CF9F24"><img alt="" src="tm231820d1_def14aimg019a.jpg"/></span></td><td style="padding-right: 0.2in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Adopted
                                         a formulaic annual incentive program for our executive officers, with pre-established,
                                         rigorous and quantifiable performance targets that are relevant for our firm and industry</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #CF9F24"><img alt="" src="tm231820d1_def14aimg019a.jpg"/></span></td><td style="padding-right: 0.2in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Enhanced
                                         proxy disclosure to include (i) a detailed, individual Board skills matrix that highlights
                                         our Board&#8217;s key skills and qualifications that are directly relevant to our business,
                                         strategy and operations and (ii) greater disclosure about diversity among Board members</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #CF9F24"><img alt="" src="tm231820d1_def14aimg019a.jpg"/></span></td><td style="padding-right: 0.2in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Reaffirmed
                                         our commitment to increase gender and racial or ethnic diversity on our Board of Directors;
                                         we have nominated another highly qualified, ethnically diverse director</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #CF9F24"><img alt="" src="tm231820d1_def14aimg019a.jpg"/></span></td><td style="padding-right: 0.2in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Enhanced
                                         our ESG practices by (i) amending the Company&#8217;s investment policy to address ESG,
                                         (ii) adopting a climate change statement, (iii) formalizing the Board&#8217;s oversight
                                         of ESG matters, (iv) further integrating climate-related risks into our risk management
                                         practices and (v) launching an ESG page on our website</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
CNG Committee is committed to ensuring that our executive compensation programs and governance practices continue to drive long-term
value creation. We welcome your continued feedback.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Sincerely,</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>The
White Mountains Insurance Group Compensation/Nominating &amp; Governance Committee</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Philip
A. Gelston, Chair&#160;&#160; | &#160;&#160;Morgan W. Davis&#160;&#160; | &#160;&#160;Margaret Dillon&#160;&#160; | &#160;&#160;Suzanne F. Shank </span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">April
5, 2023</span><span style="font-size: 11pt"><span style="clear: both; display: block;"><br/></span></span></p><div>





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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Compensation
Discussion and Analysis</b></span></p><div>

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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Executive
Summary</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Business
Overview and 2022 Performance Highlights</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">White
Mountains is engaged in the business of making opportunistic and value-oriented acquisitions of businesses and assets in the insurance,
financial services and related sectors, operating those businesses and assets through its subsidiaries and, if and when attractive
exit valuations become available, divesting to realize gains on their sale. Our principal focus is to grow adjusted book value
per share (&#8220;ABVPS&#8221;) because we believe, based on the trading history of our stock, that over the long term our share
price growth will parallel our growth in ABVPS (see chart and discussion on page 36). Since our IPO, including dividends, White
Mountains has delivered 13% annualized growth in ABVPS and 12% annualized growth in market value per share.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">We
finished 2022 with book value per share of $1,457 and adjusted book value per share of $1,495, increases of 24% and 26% from the
prior year, respectively. The main driver of growth was the gain on our sale of NSM, which added roughly $300 to ABVPS. Good operating
results at our businesses also contributed to ABVPS growth, while the decline in MediaAlpha&#8217;s share price was a drag on results.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">In
2022, BAM produced record levels of gross written premiums and member surplus contributions. Ark produced an 82% combined ratio
while growing gross premiums 37% year-over-year. Kudu had a good all-around year, closing three new deployments and completing
two value-adding sale transactions. We successfully completed a self-tender offer this past September, repurchasing roughly $459
million worth of shares. We finished 2022 with undeployed capital of roughly $0.9 billion.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Commitment
to Ongoing Shareholder Engagement</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">As
part of our ongoing commitment to better understand the views of our shareholders with respect to our business, governance, and
compensation practices, we continued our investor outreach efforts in 2022. 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. A summary of these efforts in 2022, feedback received and our history of responsiveness is included
below:</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: left; margin-bottom: 0pt"><span style="font: 11pt Arial, Helvetica, Sans-Serif"><img alt="" src="tm231820d1_def14aimg020.jpg"/>&#160;</span></p><div>





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</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif">
<tr style="font: 11pt Arial, Helvetica, Sans-Serif; background-color: rgb(217,217,217)">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; border: Black 1pt solid; padding-right: 5pt; padding-left: 5pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: #1F3864"></p>
                                                        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: #1F3864"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>&#160;</b></span></p>
                                                        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: #1F3864"><span style="font: 11pt Arial, Helvetica, Sans-Serif"><b>History
                                         of Demonstrated Responsiveness </b></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: #1F3864"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><i>The
        Board and management recognize the value of direct shareholder input and take our shareholders&#8217; views into account
        in managing and overseeing the Company.</i></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Based
        on regular engagement with our shareholders, we have incorporated feedback in the following ways:</i></b></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -13.7pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #CF9F24"><img alt="" src="tm231820d1_def14aimg020a.jpg"/>&#160;
        </span><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Refined our compensation plan and proxy
        disclosures</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -13.7pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -13.7pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #CF9F24"><img alt="" src="tm231820d1_def14aimg020a.jpg"/>&#160;
        </span><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Reaffirmed our commitment to Board diversity
        and disclosed our refreshment practices</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -13.7pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -13.7pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #CF9F24"><img alt="" src="tm231820d1_def14aimg020a.jpg"/>&#160;
        </span><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Enhanced our ESG practices and adopted
        a statement on climate change</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -13.7pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p></td></tr>
</table><div>
</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Compensation
Peer Group </b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">As
described in more detail below, the CNG Committee refers to a peer group as part of its evaluation of the Company&#8217;s compensation
practices. We evaluate the executive compensation programs of these peers in terms of structure and variability of payouts in
good and poor performance scenarios. We seek to structure our compensation program to be less fixed and more variable than peers.
Importantly, we do <span style="text-decoration:underline">not</span> use this peer group to benchmark compensation. Unlike most of our insurance company peers, the primary
responsibility of our parent company&#8217;s management is finding and executing opportunistic and value creating acquisitions
and dispositions of operating businesses, rather than operating traditional insurance businesses (although our subsidiaries may
operate insurance businesses). As a result, we believe benchmarking against the peer group could result in compensation that is
not competitive for our talent pool. When recruiting and retaining talented professionals, we compete against private equity and
investment banking opportunities more than other insurance companies, and our compensation practices must reflect this reality.
The CNG Committee believes that our compensation structures closely align the financial interests of management with those of
our shareholders and encourage appropriate, but not excessive, risk taking.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Following
several refinements to our peer group for fiscal 2021, The CNG Committee made one change to the group to remove an acquired peer
company. See page 35 for further details on our 2022 peer group.</span></p><div>





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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Compensation
Program Aligned with Company Performance </b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
current design of our compensation program consists of three primary elements: base salary, annual incentive bonus and long-term
incentive compensation. Each element is structured with the primary goal of creating superior growth in our values per share over
long periods of time. Highlights of our compensation program are as follows:</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="text-align: center; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font: 11pt Arial, Helvetica, Sans-Serif"><b>Elements and Structure</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 3in; text-indent: 0.25in">&#160;</p><div>

<img alt="" src="tm231820d1_def14aimg021.jpg"/></div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: left; margin-bottom: 0pt">&#160;</p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt">&#160;</p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><sup>1
</sup>The average of growth in adjusted book value per share (ABVPS) and growth in intrinsic value per share, which is the ABVPS
including franchise value step-ups to reflect the fair value of certain subsidiaries carried at book value. See Annex A for a
reconciliation of growth in ABVPS and growth in intrinsic value per share. &#160;</span></p><div>








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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">We
believe that the goal of creating superior growth in values per share over long periods of time is best pursued by utilizing a
pay-for-performance program that closely aligns the financial interest of management with those of our shareholders while rewarding
appropriate risk taking. We accomplish this by emphasizing variable long-term compensation, the value of which is tied to performance
over a number of years rather than fixed entitlements. To illustrate, 86% of our CEO&#8217;s 2022 target total direct compensation
was linked to long-term incentives, while approximately 8% was made up of base salary, and 6% linked to annual cash bonus opportunity
at target.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><i>Chief
Executive Officer:</i></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt; color: Red"><img alt="" src="tm231820d1_def14aimg022.jpg"/>&#160;</p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Red"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><i>Other
NEOs*:</i></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><span style="font: 11pt Arial, Helvetica, Sans-Serif"><img alt="" src="tm231820d1_def14aimg023.jpg"/>&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font: 11pt Arial, Helvetica, Sans-Serif">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0pt; width: 100%"><tr style="font-size: 9pt; vertical-align: top; text-align: justify">
<td style="font-size: 9pt; width: 0.25in"></td><td style="font-size: 9pt; width: 0.15in; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">*</span></td><td style="font-size: 9pt; text-align: justify"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Mr.
                                            Campbell is excluded from the chart, as he no longer receives incentive grants from 2022
                                            onwards, due to his pending retirement in 2024.</span></td>
</tr></table><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 18.55pt 0pt 0.25in; text-indent: -4.5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Named
Executive Officers</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">In
this CD&amp;A, we review the philosophy of White Mountains&#8217;s executive compensation program, the compensation process, the
program&#8217;s elements, and the 2022 and 2023 compensation decisions for our Named Executive Officers:</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 90%; border-collapse: collapse; margin-left: 0.25in">
<tr style="vertical-align: bottom; background-color: #002060; font: 11pt Arial, Helvetica, Sans-Serif">
    <td colspan="2" style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: white"><b>2022
    Named Executive Officers</b></span></td></tr>
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; width: 40%; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>G.
    Manning Rountree</b></span></td>
    <td style="white-space: nowrap; width: 50%; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Chief
    Executive Officer</span></td></tr>
<tr style="vertical-align: bottom; background-color: #C3D5EE; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Reid
    T. Campbell</b></span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">President</span></td></tr>
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Liam
    P. Caffrey </b><sup>1</sup></span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Executive
    Vice President &amp; Chief Financial Officer </span></td></tr>
<tr style="vertical-align: bottom; background-color: #C3D5EE; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Robert
    L. Seelig</b></span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Executive
    Vice President &amp; General Counsel</span></td></tr>
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Michaela
    Hildreth</b></span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Managing
    Director &amp; Chief Accounting Officer</span></td></tr>
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td colspan="2" style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><sup>1
    </sup>Mr. Caffrey joined the Company as Executive Vice President &amp; Chief Financial Officer, effective March 1, 2022.</span></td></tr>
</table><div>
</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Unless
otherwise noted, the term Named Executive Officers (or &#8220;NEOs&#8221;) refers to the group of individuals listed in the above
table; the term &#8220;CEO&#8221; refers to Mr. Rountree.</span></p><div>





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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Business
Overview, Significant Transactions, and Performance Highlights</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">White
Mountains is engaged in the business of making opportunistic and value-oriented acquisitions of businesses and assets in the insurance,
financial services and related sectors, operating these businesses and assets through its subsidiaries and, if and when attractive
exit valuations become available, divesting to realize gains on the sale of these businesses and assets.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">White
Mountains finished 2022 with book value per share of $1,457 and adjusted book value per share of $1,495, increases of 24% and
26% from the prior year, respectively. The main driver of growth was the gain on our sale of NSM, which generated a net gain of
$876 million and added roughly $300 to ABVPS.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">In
2022, BAM produced record levels of gross written premiums and member surplus contributions. Ark produced an 82% combined ratio
while growing gross premiums 37% year-over-year. Kudu had a good all-around year, closing three new deployments and completing
two value-adding sale transactions. We successfully completed a self-tender offer this past September, repurchasing roughly $459
million worth of shares. We finished 2022 with undeployed capital of roughly $0.9 billion.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">We
believe the businesses we own today and our ability to deploy capital into further opportunistic and value-oriented acquisitions
position us well for the future. The Company remains focused on creating shareholder value over the long term.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Shareholder
Engagement and History of Demonstrated Responsiveness</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Engaging
with our owners is central to our commitment to good governance and critical to maintaining our strong corporate governance practices.
Our 2022 shareholder outreach was led by the Board and senior management, including our CNG Committee chair, Mr. Philip Gelston,
who provided a direct line of communication between the Board and our shareholders. <b>This year, we reached out to shareholders
representing approximately 71% of our outstanding shares and met with all shareholders who accepted meetings, representing 32%
of our shares outstanding. Mr. Gelston personally led discussions in meetings with shareholders representing approximately 9%
of our shares outstanding.</b> Shareholder feedback received from these meetings was shared with the entire Board and help to
inform our responsiveness actions.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
main topics in our engagement meetings were our business performance and outlook, capital deployment, capital management and self-tender,
executive compensation practices and our corporate governance and company culture. More specifically, we discussed the NSM sale,
Ark&#8217;s performance and exposures, MAX&#8217;s outlook and developments at BAM. Our shareholders were overwhelmingly supportive
of our efforts to thoughtfully redeploy and return capital generated through the successful sale of NSM. Investors shared their
appreciation of White Mountains&#8217; shareholder value creation through our effective stewardship of capital, and we heard continued
support for our enhanced sustainability disclosures and ESG landing page on our Company website.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
Company&#8217;s management and Board is committed to continuing its extensive shareholder outreach program.</span></p><div>





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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Compensation
Philosophy</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Our
executive compensation policies are designed with the primary goal of creating superior growth in our values per share over long
periods of time. We believe that this goal is best pursued by utilizing a pay-for-performance program that closely aligns the
financial interests of management with those of our shareholders while rewarding appropriate risk taking. We accomplish this by
emphasizing variable long-term compensation, the value of which is tied to performance over a number of years rather than fixed
entitlements (such as base salary, pensions, and employee benefits). To that end, the CNG Committee has established base salaries
and target annual bonuses for our executives that tend to be lower than those paid by comparable property and casualty insurers
and reinsurers, while granting the bulk of an executive&#8217;s target compensation as long-term incentive compensation. To illustrate,
approximately <b>86% of our CEO&#8217;s 2022 target total direct compensation was linked to long-term incentives</b>, while approximately
8% was made up of base salary and 6% was target annual cash bonus opportunity.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
following principles guide and inform the CNG Committee&#8217;s efforts to deliver a highly effective executive compensation program
that drives shareholder value and fosters the attraction and motivation of key talent:</span></p><div>

</div><p style="margin: 0pt 0; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="margin: 0pt 0; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font: 11pt Arial, Helvetica, Sans-Serif"><img alt="" src="tm231820d1_def14aimg024.jpg"/></span></p><div>

</div><p style="margin: 0pt 0; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font: 11pt Arial, Helvetica, Sans-Serif">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Compensation
Setting Process</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
CNG Committee is responsible for approving our compensation programs for executive officers, and it specifically approves all
compensation for our executive officers and for any employee with target annual compensation in excess of $1.5 million. Our CEO
annually presents to the CNG Committee his evaluation of our executives, their individual performance, achievements, and the contributions
they made to the Company&#8217;s accomplishments over the past year, as well as over the most recent long-term incentive plan cycle.
In connection with this evaluation, the CEO recommends to the CNG Committee appropriate compensation amounts for these executives.
The CNG Committee evaluates these recommendations and also assesses the performance, responsibilities and contributions of the
CEO, considers CEO succession plans, and sets the compensation of the CEO.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">With
the exception of significant promotions and new hires, compensation matters are usually addressed at the first meeting of the
CNG Committee each year (typically late February), following the availability of financial results for the prior year and the
current year&#8217;s financial plan. This allows us to determine the results of prior period grants and to set targets for the
current year and newest long-term performance cycle. Performance cycles for long-term compensation typically run for three years
beginning on January 1st of the year of grant.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Compensation
Peer Group</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">When
making new long-term incentive grants, the CNG Committee assesses the impact of different performance scenarios on potential realizable
compensation. Further, in order to test our beliefs about the structure and variability of the awards we make, the CNG Committee
annually reviews and considers a systematic analysis of the public compensation disclosures made by other property and casualty
insurers and reinsurers that the CNG Committee considers to be peers.</span></p><div>





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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Importantly,
our compensation peer group is <span style="text-decoration:underline">not</span> used for benchmarking purposes, but rather to analyze whether our compensation programs
are appropriately structured and to ensure they are less fixed and more variable than most other insurance and reinsurance peers</b>.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Unlike
most of our insurance company peers, the primary responsibility of our parent company&#8217;s management is finding and executing
opportunistic and value creating acquisitions and dispositions of operating businesses, rather than operating traditional insurance
businesses (although our subsidiaries may operate insurance businesses). As a result, we believe benchmarking against the peer
group could result in compensation that is not competitive for our talent pool. When recruiting and retaining talented professionals,
we compete against private equity and investment banking opportunities more than other insurance companies, and our compensation
practices must reflect this reality.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">In
considering its analysis of compensation structure and variability, the Company uses a peer group of companies that reflects its
traditional insurance competitors. The CNG Committee regularly evaluates the continuing appropriateness of this group and did
so again during 2022. As a result of this review, Aspen Insurance was removed from the group, following its acquisition by Apollo
Global Management.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
companies included in the analysis presented to the CNG Committee prior to it making compensation decisions in 2022 were:</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 80%; border-collapse: collapse; margin-left: auto; margin-right: auto;">
<tr style="vertical-align: top; background-color: #E7E6E6; font: 11pt Arial, Helvetica, Sans-Serif">
    <td colspan="7" style="padding-top: 4pt; padding-bottom: 4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>2022
    Peer Group</b></span></td></tr>
<tr style="vertical-align: bottom; background-color: #E7E6E6; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif; width: 5%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif; width: 5%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif; width: 20%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Alleghany
    Corporation</span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif; width: 5%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td>
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    <td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif; width: 5%">&#9679;</td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; width: 20%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">RenaissanceRe
    Holdings</span></td></tr>
<tr style="vertical-align: bottom; background-color: #E7E6E6; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Arch
    Capital Group</span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Everest
    Re Group</span></td>
    <td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">RLI
    Corp.</span></td></tr>
<tr style="vertical-align: bottom; background-color: #E7E6E6; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Argo
    Group</span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Hanover</span></td>
    <td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Selective
    Insurance Group</span></td></tr>
<tr style="vertical-align: bottom; background-color: #E7E6E6; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Assured
    Guaranty</span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif">&#9679;</td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Kinsale</span></td>
    <td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">SiriusPoint</span></td></tr>
<tr style="vertical-align: bottom; background-color: #E7E6E6; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Axis
    Capital</span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif">&#9679;</td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Markel
    Corp</span></td>
    <td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">W.R.
    Berkley</span></td></tr>
<tr style="background-color: #E7E6E6; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></td>
    <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></td>
    <td colspan="2" style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></td>
    <td colspan="2" style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></td>
    <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></td></tr>
</table><div>
</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
CNG Committee concluded that the peer analysis supported its view that the Company&#8217;s compensation programs are more variable
than most other insurance and reinsurance peers, have fewer fixed elements of compensation and perquisites, and do not lead to
significant rewards for poor performance. The CNG Committee believes that the compensation structures that have been developed
for the Company closely align the financial interests of management with those of our shareholders and encourage appropriate,
but not excessive, risk taking.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Compensation
Best Practices</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">We
maintain a number of compensation governance best practices which support our overarching compensation philosophy and are fully
aligned with our compensation principles, as discussed in the following section. Our compensation practices also align with input
we have received from shareholders.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<tr style="background-color: #002060; font: 11pt Arial, Helvetica, Sans-Serif">
    <td colspan="2" style="border: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: White">Key
    Compensation Highlights</span></td></tr>
<tr style="background-color: #BDD6EE; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="width: 54%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">What
    We Do</span></td>
    <td style="width: 46%; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">What
    We Do Not Do</span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><span style="font-size: 10pt">&#160;</span></p>
                                                                                                                                                                                                <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #00B050">&#10003;
</span> <span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><b>&#8239;&#8239;Commitment to pay for performance</b> as evidenced
by 92% of total target 2022 CEO compensation meaningfully &#8220;at risk&#8221;&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #00B050">&#10003;
</span> <span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><b>&#8239;&#8239;Half of annual LTI delivered in performance-based
equity</b>, with a three-year measurement period&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #00B050">&#10003;
</span> <span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#8239;&#8239;Formulaic annual incentive program, based on pre-determined
goals&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #00B050">&#10003;
</span> <span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#8239;&#8239;Clawback policy for annual and long-term incentive
plans&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #00B050">&#10003;
</span> <span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#8239;&#8239;Double-trigger change-in-control provisions&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #00B050">&#10003;
</span> <span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#8239;&#8239;Annual Say-On-Pay vote&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #00B050">&#10003;
        </span> <span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#8239;&#8239;Share ownership guidelines for executive officers
        and directors&#160;</span></p></td>
    <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><span style="font-size: 10pt">&#160;</span></p>
                                                                                                                                                                  <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><img alt="" src="tm231820d1_def14aimg024a.jpg"/><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: red">
</span> <span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#8239;&#8239;&#8239;No hedging of Company securities&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><img alt="" src="tm231820d1_def14aimg024a.jpg"/><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: red">
</span> <span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#8239;&#8239;No executive pensions&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><img alt="" src="tm231820d1_def14aimg024a.jpg"/><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: red">
</span> <span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#8239;&#8239;&#8239;No single-trigger vesting of equity-based awards
upon change-in-control&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><img alt="" src="tm231820d1_def14aimg024a.jpg"/><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: red">
</span> <span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#8239;&#8239;&#8239;No excise tax gross-ups upon change-in-control&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><img alt="" src="tm231820d1_def14aimg024a.jpg"/><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: red">
</span> <span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#8239;&#8239;&#8239;No dividends on unvested performance shares or
restricted shares&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><img alt="" src="tm231820d1_def14aimg024a.jpg"/><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: red">
</span> <span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#8239;&#8239;&#8239;No long-term employment agreements &#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><span style="font-size: 10pt"><img alt="" src="tm231820d1_def14aimg024a.jpg"/><span style="font-family: Arial, Helvetica, Sans-Serif; color: red">
        </span></span> <span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#8239;&#8239;&#8239;No excessive perquisites or benefits</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.4in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#160;</span></p></td></tr>
</table><div>




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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Superior
Track Record and the Alignment of Growth in ABVPS and Market Value Per Share</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">From
our IPO in 1985 through year-end 2022, we have delivered 13% annualized growth in ABVPS and 12% annualized growth in market value
per share to our shareholders. <b>Importantly, as seen in the chart below, ABVPS and market value per share have generally moved
in tandem over the last thirty-five years, despite short-term fluctuations.</b> This is a core factor supporting the CNG Committee&#8217;s
selection of incentive plan performance metrics that relate to growth in book value per share.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Red"><img alt="" src="tm231820d1_def14aimg025.jpg"/>&#160;</p><div>





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    </div><div style="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><p style="margin: 0pt">&#160;</p></div><div>
    </div><!-- Field: /Page --><div>



</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Compensation
for 2022</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
principal elements of compensation for our executives in 2022 - base salary, annual incentive bonuses and long-term incentive
compensation - are discussed below.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>2022
Target Annual Direct Compensation Mix</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt; color: Red"><img alt="" src="tm231820d1_def14aimg026.jpg"/>&#160;</p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Red"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0pt; width: 100%"><tr style="font-size: 9pt; vertical-align: top; text-align: justify">
<td style="font-size: 9pt; width: 0.25in"></td><td style="font-size: 9pt; width: 0.15in; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">*</span></td><td style="font-size: 9pt; text-align: justify"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Mr.
                                            Campbell is excluded from the chart, as he no longer receives long-term incentive grants
                                            from 2022 onwards, due to his pending retirement in February 2024.</span></td>
</tr></table><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 23.05pt 0pt 0.25in; text-indent: -4.5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>1.</b></span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Base
                                         Salary</b></span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">As
discussed above under &#8220;Compensation Philosophy&#8221;, the Company&#8217;s compensation program emphasizes variable long-term
incentive compensation, rather than fixed entitlements. Accordingly, we pay our executive officers salaries that we believe to
be below market. In 2022, base salaries for Named Executive Officers remained capped at $500,000.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 0.25in; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>2.</b></span></td><td><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Annual
Incentive Bonuses</b></span></td>
</tr></table><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">We
provide annual bonus opportunities to our executive officers, <b>which make up a small percentage of each NEO&#8217;s target total
annual compensation &#8211; approximately 6% for our CEO, and 12% on average for the other NEOs in 2022 </b>&#8211; as the bulk
of our executive officers&#8217; compensation opportunity is tied to long-term incentives. Each NEO participates in the annual
bonus pool applicable to the parent holding companies. For 2022, the target bonus pool was $7.5 million for 57 employees.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Under
our formulaic annual bonus program, the level of payout is determined by reference to the Company&#8217;s growth in CVPS, which
is defined by the CNG Committee as the average of growth in ABVPS and growth in &#8220;intrinsic business value per share&#8221;,
which is the ABVPS including franchise value step-ups to reflect the fair value of certain subsidiaries carried at book value.
In choosing this metric for the annual bonus program, the CNG Committee recognized that this is the same metric as used in a portion
of the Company&#8217;s long-term incentives (albeit for a different time period). The CNG Committee considered a number of other
metrics but concluded that no other metric is as pertinent to our business as CVPS. CVPS is the metric that the Board and the
management team focus on because it is linked to growth in book value per share metrics, which we believe is what ultimately drives
growth in our share price. The 2022 annual bonus pool could range from 0% to 200% of target, based on the harvest scale of 4%-9%-14%
growth in CVPS.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">For
our executive officers, the CNG Committee maintains the discretion to decrease the individual annual bonus payouts after the quantitative
formula has been applied, however it does not have discretion to increase payouts. Our executive officers cannot receive more
than the formulaic result.</span></p><div>





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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">For
2022, the NEOs had target annual bonuses of 75% of salary, which was unchanged from the prior year and is continued into 2023.
Based on the Company&#8217;s performance of a 24% increase in CVPS in 2022, the CNG Committee awarded the NEOs bonuses of 200%
of target. The below table excludes a $325,000 sign-on bonus that was paid to Mr. Caffrey upon joining the Company in March 2022,
which was part of a $975,000 sign-on bonus payable in three equal annual installments. In the event Mr. Caffrey voluntarily terminates
his employment prior to March 15, 2024, he must reimburse the Company for any portion of the sign-on bonus he has received.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 90%; border-collapse: collapse; margin-left: 0.25in">
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></td>
    <td colspan="3" style="border-bottom: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; background-color: #002060; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: white"><b>2022
    Annual Bonus Decisions</b></span></td></tr>
<tr style="vertical-align: bottom; background-color: #002060; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; width: 24%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: white"><b>Executive</b></span></td>
    <td style="width: 22%; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: white"><b>Target
    Bonus</b></span></td>
    <td style="width: 22%; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: white"><b>Earned
    Bonus</b></span></td>
    <td style="width: 22%; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: white"><b>%
    of Target</b></span></td></tr>
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>G.
    Manning Rountree</b></span></td>
    <td style="white-space: nowrap; border-right: #E7E6E6 1pt solid; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">$375,000
    </span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">$750,000
    </span></td>
    <td style="white-space: nowrap; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">200%</span></td></tr>
<tr style="vertical-align: bottom; background-color: #C3D5EE; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Reid
    T. Campbell</b></span></td>
    <td style="white-space: nowrap; border-right: #E7E6E6 1pt solid; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">$375,000
    </span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">$750,000
    </span></td>
    <td style="white-space: nowrap; border-right: #E7E6E6 1pt solid; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">200%</span></td></tr>
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Liam
    P. Caffrey </b><sup>1</sup></span></td>
    <td style="white-space: nowrap; border-right: #E7E6E6 1pt solid; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">$375,000
    </span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">$750,000
    </span></td>
    <td style="white-space: nowrap; border-right: #E7E6E6 1pt solid; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; background-color: white; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">200%</span></td></tr>
<tr style="vertical-align: bottom; background-color: #C3D5EE; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Robert
    L. Seelig</b></span></td>
    <td style="white-space: nowrap; border-right: #E7E6E6 1pt solid; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">$375,000
    </span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">$750,000
    </span></td>
    <td style="white-space: nowrap; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">200%</span></td></tr>
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; background-color: white; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Michaela
    Hildreth</b></span></td>
    <td style="white-space: nowrap; border-right: #E7E6E6 1pt solid; border-bottom: Black 1pt solid; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; background-color: white; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">$375,000
    </span></td>
    <td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">$750,000
    </span></td>
    <td style="white-space: nowrap; border-right: #E7E6E6 1pt solid; border-bottom: Black 1pt solid; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; background-color: white; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">200%</span></td></tr>
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td colspan="4" style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><sup>1
    </sup>Excludes a $325,000 sign-on bonus that was paid to Mr. Caffrey upon joining the Company in March 2022.</span></td></tr>
</table><div>
</div><p style="font: 11pt Arial, Helvetica, Sans-Serif"></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>3.
Long-Term Incentive Compensation</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Long-term
equity awards generally consist of an equal mix of restricted shares and performance shares, rewarding long-term value creation
and aligning executives&#8217; interests with shareholders&#8217; interests. Restricted shares are subject to a three-year cliff-vesting
provision, instead of annual vesting, in order to promote retention that balances incentives to redeploy capital aggressively
and to remain patient for good opportunities. The number of WTM common shares earned from a grant of performance shares can range
from 0%-200% of target, based on after-tax annual growth in CVPS over the three-year performance cycle.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>The
CNG Committee selected performance metrics that relate to growth in book value per share because it continues to believe these
metrics ultimately drive growth in our share price.</b> The market value of our shares is <span style="text-decoration:underline">not</span> included as a direct measure
of performance, but it determines the ultimate value of earned performance and restricted share awards.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">From
year-to-year when we make new long-term incentive grants, we typically adjust the target number of shares granted to individual
employees to reflect the change in CVPS during the prior year, rather than focusing on changes in market values. This is consistent
with our view that the change in book value per share and related metrics provides a better view of the change in value of the
Company than metrics reflecting short-term market price fluctuations. In addition, we generally limit total annual share grants
to employees to be equal to or less than 1% of the Company&#8217;s outstanding shares. For each of the past five grant cycles
(from 2019-2021 to 2023-2025), we adhered to this guideline.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><i><span style="text-decoration:underline">2022
Long-Term Incentive Grants</span>:</i> For the CEO and each of our other NEOs, the annual 2022 long-term incentive awards were allocated
50% as performance shares and 50% as restricted shares, consistent with prior years. With respect to the total grants made to
employees across the Company, the CNG Committee granted 26,450 target shares for the 2022-2024 performance cycle, which represented
a 2% decrease, year over year, in the number of shares granted. These grants totaled approximately 0.9% of the then outstanding
shares. The restricted shares are subject to a three-year cliff vesting provision based on continuous service, in order to promote
retention of key executive talent. The performance shares vest in a range of 0% - 200% of target, following a three-year performance
period.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">For
the 2022-2024 performance period, the CNG Committee established a target of 9% annual growth in CVPS as the performance target
that would result in the payout of 100% of the target performance shares. There would be no payout for annual growth of 4% or
less, and annual growth of 14% or more would be required for a payout of 200%. In setting this performance scale, the CNG Committee&#8217;s
goal was to set a performance target that was reasonable, but with an appropriate degree of stretch. Importantly, the 9% target
was roughly equal to the Company&#8217;s long-term equity return target of the yield on the 10-year Treasury plus 700 basis points.
In addition, the CNG Committee considered that the one-year performance scale for the 2022 annual bonus program was the same as
the three-year average performance scale being set for the 2022-2024 </span></p><div>

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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font: 11pt Arial, Helvetica, Sans-Serif">performance shares. The Committee determined that this scale
was appropriate due to the factors discussed above and their applicability over a longer time frame (which equates to aggregate
growth of 12%-30%-48% over a three-year period).</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">A
detailed breakdown of the 2022 grants is included in the table below:</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></td>
    <td colspan="6" style="white-space: nowrap; border-bottom: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; background-color: #002060; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: white"><b>2022
    Long-Term Incentive Grants</b></span></td></tr>
<tr style="vertical-align: bottom; background-color: #002060; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></td>
    <td rowspan="2" style="border-right: #E7E6E6 1pt solid; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: white"><b>Grant
    Date</b></span></td>
    <td colspan="2" style="white-space: nowrap; border-right: #E7E6E6 1pt solid; border-bottom: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: white"><b>Restricted
    Shares</b></span></td>
    <td colspan="2" style="white-space: nowrap; border-right: #E7E6E6 1pt solid; border-bottom: white 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: white"><b>Performance
    Shares</b></span></td>
    <td rowspan="2" style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: white"><b>Total
    2022 LTI Grant Value</b></span></td></tr>
<tr style="vertical-align: bottom; background-color: #002060; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: white"><b>Executive</b></span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: white"><b>#
    Shares</b></span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: white"><b>Grant
    Value</b></span></td>
    <td style="white-space: nowrap; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: white"><b>#
    Shares</b></span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: white"><b>Grant
    Value</b></span></td></tr>
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; width: 28%; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>G.
    Manning Rountree</b></span></td>
    <td style="white-space: nowrap; width: 12%; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">2/24/2022</span></td>
    <td style="white-space: nowrap; width: 12%; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; text-indent: 11pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">2,700
    </span></td>
    <td style="white-space: nowrap; width: 12%; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; border-right: #E7E6E6 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;$&#160;&#160;&#160;&#160;2,802,141
    </span></td>
    <td style="white-space: nowrap; width: 12%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; text-indent: 11pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">2,700
    </span></td>
    <td style="white-space: nowrap; width: 12%; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; border-right: #E7E6E6 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;$&#160;&#160;&#160;&#160;2,802,141
    </span></td>
    <td style="white-space: nowrap; width: 12%; border-right: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,604,282
    </span></td></tr>
<tr style="vertical-align: bottom; background-color: #C3D5EE; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Liam
    P. Caffrey</b></span></td>
    <td style="white-space: nowrap; border-right: #E7E6E6 1pt solid; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">2/24/2022</span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; text-indent: 11pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">1,250
    </span></td>
    <td style="white-space: nowrap; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;$&#160;&#160;&#160;&#160;1,297,288
    </span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; text-indent: 11pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">1,250
    </span></td>
    <td style="white-space: nowrap; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;$&#160;&#160;&#160;&#160;1,297,288
    </span></td>
    <td style="white-space: nowrap; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,594,975</span></td></tr>
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Robert
    L. Seelig</b></span></td>
    <td style="white-space: nowrap; border-right: #E7E6E6 1pt solid; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">2/24/2022</span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; text-indent: 11pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">1,250
    </span></td>
    <td style="white-space: nowrap; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;$&#160;&#160;&#160;&#160;1,297,288
    </span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; text-indent: 11pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">1,250
    </span></td>
    <td style="white-space: nowrap; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;$&#160;&#160;&#160;&#160;1,297,288
    </span></td>
    <td style="white-space: nowrap; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,594,975
    </span></td></tr>
<tr style="vertical-align: bottom; background-color: #C3D5EE; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Michaela
    Hildreth</b></span></td>
    <td style="white-space: nowrap; border-right: #E7E6E6 1pt solid; border-bottom: Black 1pt solid; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">2/24/2022</span></td>
    <td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; text-indent: 11pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">750
    </span></td>
    <td style="white-space: nowrap; border-bottom: Black 1pt solid; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;778,373
    </span></td>
    <td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; text-indent: 11pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">750
    </span></td>
    <td style="white-space: nowrap; border-bottom: Black 1pt solid; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;778,373
    </span></td>
    <td style="white-space: nowrap; border-bottom: Black 1pt solid; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,556,745
    </span></td></tr>
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td colspan="7" style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><sup>1
    </sup>Mr. Campbell no longer receives long-term incentive grants from 2022 onwards, due to his pending retirement in February
    2024.</span></td></tr>
</table><div>
</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">In
determining the amount of new long-term incentive compensation grants for 2022 for our NEOs, the CNG Committee assessed each executive&#8217;s
scope of authority and ability to impact the success of the Company. Based on the CNG Committee&#8217;s general experience, familiarity
with the Company and its compensation practices and the recommendation of the CEO (for NEOs other than himself), the CNG Committee
established a grant level that it believed was appropriate to reflect each such executive&#8217;s expected contribution to the
Company over the next performance cycle.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Mr.
Campbell did not receive a long-term incentive grant in 2022, as he no longer receives long-term incentive grants from 2022 onwards,
due to his pending retirement in February 2024.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><i><span style="text-decoration:underline">Payout
of 2020-2022 Performance Cycle</span></i>: For the 2020-2022 performance cycle, long-term incentives were granted to the NEOs as
follows: 50% as performance shares and 50% as restricted shares. For the performance shares, which matured at the end of 2022,
7% annual growth in CVPS was the performance target for a payout of 100% of the target performance shares. Annual growth of 2%
or less would have resulted in no payout and annual growth of 12% or more would have resulted in a payout of 200%. At its meeting
in February 2023, based on an average annual growth in CVPS of 15.6% during the 2020-2022 performance cycle, the CNG Committee
confirmed that the payout that was earned was 200% of target.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: bottom; background-color: #002060; font: 11pt Arial, Helvetica, Sans-Serif">
    <td colspan="6" style="border-bottom: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: white"><b>2020-2022
    Performance Share Cycle</b></span></td></tr>
<tr style="vertical-align: bottom; background-color: #002060; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; width: 24%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: white"><b>&#160;Executive</b></span></td>
    <td style="width: 17%; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: white"><b>Target
    Shares</b></span></td>
    <td style="width: 20%; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: white"><b>Performance
    Scale (min / target / max)</b></span></td>
    <td style="width: 18%; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: white"><b>Actual
    Annual Growth </b></span></td>
    <td style="width: 11%; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: white"><b>Payout
    %</b></span></td>
    <td style="width: 10%; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: white"><b>Shares
    Earned</b></span></td></tr>
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>G.
    Manning Rountree</b></span></td>
    <td style="white-space: nowrap; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; text-indent: 22pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">2,700
    </span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">2%
    - 7% - 12%</span></td>
    <td style="white-space: nowrap; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">15.6%</span></td>
    <td style="white-space: nowrap; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">200%</span></td>
    <td style="white-space: nowrap; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,400
    </span></td></tr>
<tr style="vertical-align: bottom; background-color: #C3D5EE; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Reid
    T. Campbell</b></span></td>
    <td style="white-space: nowrap; border-right: #E7E6E6 1pt solid; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; text-indent: 22pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">1,800
    </span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">2%
    - 7% - 12%</span></td>
    <td style="white-space: nowrap; border-right: #E7E6E6 1pt solid; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">15.6%</span></td>
    <td style="white-space: nowrap; border-right: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">200%</span></td>
    <td style="white-space: nowrap; border-right: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,600
    </span></td></tr>
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Robert
    L. Seelig</b></span></td>
    <td style="white-space: nowrap; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; text-indent: 22pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">900
    </span></td>
    <td style="white-space: nowrap; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">2%
    - 7% - 12%</span></td>
    <td style="white-space: nowrap; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">15.6%</span></td>
    <td style="white-space: nowrap; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">200%</span></td>
    <td style="white-space: nowrap; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,800
    </span></td></tr>
<tr style="vertical-align: bottom; background-color: #C3D5EE; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Michaela
    Hildreth</b></span></td>
    <td style="white-space: nowrap; border-right: #E7E6E6 1pt solid; border-bottom: Black 1pt solid; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; text-indent: 22pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">400
    </span></td>
    <td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">2%
    - 7% - 12%</span></td>
    <td style="white-space: nowrap; border-right: #E7E6E6 1pt solid; border-bottom: Black 1pt solid; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">15.6%</span></td>
    <td style="white-space: nowrap; border-right: #E7E6E6 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">200%</span></td>
    <td style="white-space: nowrap; border-right: #E7E6E6 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;800
    </span></td></tr>
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td colspan="6" style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Note:
    Mr. Caffrey joined the Company on March 1, 2022 and therefore had not received a 2020 performance share grant.</span></td></tr>
</table><div>




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    </div><div style="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><p style="margin: 0pt">&#160;</p></div><div>
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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>2023
Compensation Actions</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
CNG Committee increased the limit for executive officer base salaries from $500,000 to $600,000 effective in 2023, the first such
increase since 2008. This change was made to create room for salary differentiation across the full management team and address
inflationary pressures. Executive officers continue to have 75%-of-salary target bonus opportunities which remain unchanged from
2022. Their salary and bonus target levels continue to reflect the CNG Committee&#8217;s long-standing philosophy of linking a
vast majority of executives&#8217; compensation to long-term incentives in order to align their interests with those of our shareholders,
as opposed to awarding high levels of fixed cash compensation.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Further,
the design of our executive officers&#8217; 2023 annual bonus plan will be similar to the plan in effect for 2022, <b>with payouts
tied to annual growth in CVPS and a harvest scale of 6%-11%-16% for threshold / target / maximum payout levels</b>.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>2023
Long-term Incentive Grants. </b>In February 2023, the CNG Committee made new long-term incentive grants to the NEOs (other than
Mr. Campbell) based on the same factors described above with respect to grants made in 2022 and allocated 50% as performance shares
and 50% as restricted shares. With respect to the total grants made to employees across the Company, the CNG Committee granted
21,790 target shares for the 2023-2025 performance cycle, which represents an 18% decrease, year over year, in the number of shares
granted. These grants totaled approximately 0.8% of the then outstanding shares.&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
CNG Committee set a performance target of 11% annual growth in CVPS, which was slightly above the Company&#8217;s long-term equity
return target of the yield on the 10-year Treasury plus 700 basis points. The CNG Committee determined that 11% annual growth
in CVPS is an appropriately challenging target for a payout of 100% of the target performance shares for the 2023-2025 performance
cycle. Annual growth of 6% or less would result in no payout, and annual growth of 16% or more would result in a payout of 200%.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 80%; border-collapse: collapse; margin-left: auto; margin-right: auto;">
<tr style="vertical-align: bottom; background-color: #002060; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; width: 20%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: white"><b>Performance
    Cycle</b></span></td>
    <td style="width: 20%; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: white"><b>Target
    Shares <br/>
Granted</b></span></td>
    <td style="width: 20%; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: white"><b>%
    Change from <br/>
Prior Year</b></span></td>
    <td style="width: 20%; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: white"><b>Performance
    Target </b></span><span style="font-size: 11pt"><br/>
    <span style="font-family: Arial, Helvetica, Sans-Serif; color: white"><b>(min / target / max)</b></span></span></td></tr>
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">2023
    &#8211; 2025</span></td>
    <td style="white-space: nowrap; border-right: #E7E6E6 1pt solid; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">21,790</span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">(18%)</span></td>
    <td style="border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">6%
    -11% - 16%</span></td></tr>
<tr style="vertical-align: bottom; background-color: #C3D5EE; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">2022
    &#8211; 2024</span></td>
    <td style="white-space: nowrap; border-right: #E7E6E6 1pt solid; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">26,450</span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">(2%)</span></td>
    <td style="white-space: nowrap; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">4%
    - 9% - 14%</span></td></tr>
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">2021
    &#8211; 2023</span></td>
    <td style="white-space: nowrap; border-right: #E7E6E6 1pt solid; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">26,950</span></td>
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">(4%)</span></td>
    <td style="white-space: nowrap; border-right: #E7E6E6 1pt solid; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">3%
    - 8% - 13%</span></td></tr>
<tr style="vertical-align: bottom; background-color: #C3D5EE; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">2020
    &#8211; 2022</span></td>
    <td style="white-space: nowrap; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">28,110</span></td>
    <td style="white-space: nowrap; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">(10%)</span></td>
    <td style="white-space: nowrap; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">2%
    - 7% - 12%</span></td></tr>
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">2019
    &#8211; 2021</span></td>
    <td style="white-space: nowrap; border-right: #E7E6E6 1pt solid; border-bottom: Black 1pt solid; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">31,200</span></td>
    <td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">16%
    </span></td>
    <td style="white-space: nowrap; border-right: #E7E6E6 1pt solid; border-bottom: Black 1pt solid; border-left: #E7E6E6 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">2%
    - 7% - 12%</span></td></tr>
</table><div>
</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
CNG Committee believes this target and scale properly incentivize management to manage our businesses efficiently, without taking
inappropriate risks.</span></p><div>





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    </div><div style="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><p style="margin: 0pt">&#160;</p></div><div>
    </div><!-- Field: /Page --><div>



</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Share
Ownership Guidelines for Executive Officers</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
CNG Committee has established share ownership guidelines for our executive officers. According to the guidelines, our CEO and
EVPs are required to hold Company shares with a value of 10x salary, while other executive officers are required to hold Company
shares with a value of 3x salary. Shares received upon vesting must be held until the executive is in compliance with the guideline.
Unvested restricted shares will count toward satisfaction of the guideline, while unvested performance shares will not count.
As of December 31, 2022, all NEOs were in compliance with the guidelines.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Clawback
Policy</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
Company has adopted a clawback policy applicable to bonuses and long-term incentive awards. If the Company restates any financial
statement included in an SEC filing as a result of an employee&#8217;s misconduct, the Board may, without prejudice to any other
remedies available to the Company, seek reimbursement of any bonus or long-term incentive award received by such person that relates
in whole or in part to any period for which such financial statements were restated. If the misconduct involved fraud, then in
addition to other actions the Board will mandatorily seek such reimbursement.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
Company is in the process of revising its clawback policy to comply with recently enacted SEC and stock exchange rules at the
time such rules become effective.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Other
Elements of Compensation</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Retirement
Benefits</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">We
have no active U.S. defined benefit pension plans. Benefit accruals under all our U.S. qualified defined benefit pension plans
and all our U.S. supplemental defined benefit pension plans were frozen for all employees in 2002.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Our
employees may participate in our qualified 401(k) plans and eligible employees can participate in a qualified employee stock ownership
plan. We do not provide supplemental retirement benefits to any employees in connection with these plans.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Perquisites</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">We
review the perquisites that our senior management receives. The primary perquisite is limited personal use of corporate aircraft.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">We
allow our NEOs to use our corporate aircraft from time to time for personal reasons. The aggregate incremental cost to the Company
is included, for proxy reporting purposes, as compensation to the NEO. For tax purposes, we comply with IRS regulations. We do
not &#8220;gross-up&#8221; our NEOs for their taxes associated with perquisites, including with respect to personal use of our
aircraft.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Our
NEOs also participate in our benefit plans on the same terms as our other employees. These plans include medical and health insurance,
company paid life insurance and charitable gift matching.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in">&#160;</p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Certain
Board Fees</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Our
NEOs do not receive director fees for serving on the Company&#8217;s board of directors or for serving on the boards of our wholly-owned
or majority-owned subsidiaries. However, those NEOs who serve on the boards of other companies in which we have a minority interest
may receive director fees from those companies. We consider those board fees when evaluating the compensation of our NEOs.</span></p><div>





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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Compensation
Arrangement for Mr. Caffrey</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">We
have no long-term employment agreements with our NEOs although, from time to time, we have entered into short-term arrangements
with newly hired executives governing their compensation and severance during a period of up to their first three years with the
Company.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">On
December 2, 2021, the Company announced that Mr. Caffrey would become its Executive Vice President and Chief Financial Officer
on March 1, 2022. In connection with Mr. Caffrey&#8217;s hiring, the Company agreed to the following terms, which the CNG Committee
believes were reasonably negotiated and aligned with market practices:</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">1)</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">base
                                         salary of $500,000.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">2)</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">participation
                                         in the Company&#8217;s annual and long-term incentive plans:</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 45pt; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 18pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">annual
                                         bonus target of 75% of base salary</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 45pt; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 18pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">long-term
                                         incentive grant for the 2022-2024 cycle of 1,250 restricted shares and 1,250 performance
                                         shares.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">3)</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">a
                                         $975,000 sign-on bonus payable in three equal annual installments</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 45pt; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 18pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">in
                                         the event that Mr. Caffrey voluntarily terminates his employment prior to March 15, 2024,
                                         he must reimburse the Company for any portion of the sign-on bonus he has received.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">4)</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">in
                                            the event the Company terminates Mr. Caffrey&#8217;s employment, other than for cause, prior
                                            to March 15, 2024, Mr. Caffrey will be entitled to a payment of $875,000, the payment of
                                            any unpaid installments of his sign-on bonus and the continued vesting of any then outstanding
                                            long-term incentives.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Severance
Agreements; Change in Control</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Severance
benefits, if any, for our NEOs are determined by the CNG Committee in its sole discretion. Executive officers of our operating
subsidiaries participate in the severance plans, if any, generally applicable at those companies.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">If
any of our most senior executives decide to retire, in order to enable the Company to ensure a smooth transition, to receive a
non-compete/non-solicit from the executive and to retain access to valuable knowledge, talents and relationships, our general
practice has been to enter into arrangements that would permit the executive to earn some or all of such executive&#8217;s long-term
incentive compensation then outstanding.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">We
have no standalone change in control agreements with our NEOs. However, under our long-term incentive plans, if a change in control
of the Company (or a business unit, as applicable) were to occur, certain events, such as involuntary or constructive employment
termination or amendments to our incentive plans which are materially adverse to its participants, may cause stock options to
become fully exercisable, restricted shares to become immediately vested and performance shares and performance units to become
payable in full or in part. Our plans do not provide for tax gross-ups for excess parachute payments that may result from a change
in control<b>.</b></span></p><div>





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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Compensation/Nominating
 &amp; Governance Committee Report</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
Compensation/Nominating &amp; Governance Committee of the Company has reviewed and discussed the Compensation Discussion and Analysis
required by Item 402(b) of Regulation S-K with management and, based on such review and discussions, the Compensation/Nominating
 &amp; Governance Committee recommended to the Board that the Compensation Discussion and Analysis be included in this Proxy Statement.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 5in; text-indent: -5in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Philip
A. Gelston, Chair</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Morgan
W. Davis </span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Margaret
Dillon</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Suzanne
F. Shank</span></p><div>




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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Summary
Compensation Table</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
following table presents compensation in 2022, 2021 and 2020 for the Company&#8217;s CEO, CFO, former CFO and its two other most
highly compensated executive officers (collectively, the &#8220;Named Executive Officers&#8221;):</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: bottom; width: 23%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Name
and &#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Principal
Position</span></p></td>
    <td style="vertical-align: bottom; width: 4%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> Year</span></td>
    <td style="vertical-align: bottom; width: 1%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; width: 8%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> Salary</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> ($)</span></p></td>
    <td style="vertical-align: bottom; width: 1%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; width: 8%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> &#160;&#160;&#160;Bonus <br/>
(b)
    ($)</span></td>
    <td style="vertical-align: top; width: 1%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; width: 8%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> Stock</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> Awards</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Granted
 <br/>
(c) ($)</span></p></td>
    <td style="vertical-align: bottom; width: 1%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; width: 6%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> Option&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> Awards&#160;</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> Granted <br/>
($)</span></p></td>
    <td style="vertical-align: bottom; width: 1%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; width: 9%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> Non-Equity
<br/>
Incentive <br/>
Plan <br/>
Compensation</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">
(d) ($)</span></p></td>
    <td style="vertical-align: bottom; width: 1%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; width: 10%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> Change
in<br/>
Pension Value <br/>
and<br/>
Nonqualified<br/>
Deferred<br/>
Compensation<br/>
Earnings</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">
($)</span></p></td>
    <td style="vertical-align: bottom; width: 1%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; width: 8%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> All
Other</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> Compensation</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> (e)
($)</span></p></td>
    <td style="vertical-align: bottom; width: 1%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; width: 8%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> Total</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> ($)</span></p></td></tr>
<tr style="background-color: #E5E5E5; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><b>G.
    Manning Rountree</b></span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 2022</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 500,000</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> </span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 5,604,282</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> </span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 750,000</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 337,472</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 7,191,754</span></td></tr>
<tr style="background-color: #E5E5E5; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: bottom; padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Chief
    Executive Officer</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 2021</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 500,000</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> </span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 6,478,434</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> </span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 207,135</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 7,185,569</span></td></tr>
<tr style="background-color: #E5E5E5; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 2020</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 500,000</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> </span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 5,788,476</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> </span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 750,000</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 132,152</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 7,170,628</span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><b>Liam
    P. Caffrey (a)</b></span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 2022</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 421,154</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 325,000</span></td>
    <td style="vertical-align: top; padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 2,594,575</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">750,000</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 325,146</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 4,415,875</span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: bottom; padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left; padding-left: 0.25in; text-indent: -0.25in; border-bottom: Black 1pt solid"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Executive
    Vice President &amp; Chief
    Financial Officer</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; border-bottom: Black 1pt solid"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; border-bottom: Black 1pt solid"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; border-bottom: Black 1pt solid"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; border-bottom: Black 1pt solid"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; border-bottom: Black 1pt solid"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: top; padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; border-bottom: Black 1pt solid"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; border-bottom: Black 1pt solid"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
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    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; border-bottom: Black 1pt solid"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
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<tr style="background-color: #E5E5E5; font: 11pt Arial, Helvetica, Sans-Serif">
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<tr style="background-color: #E5E5E5; font: 11pt Arial, Helvetica, Sans-Serif">
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<tr style="background-color: #E5E5E5; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-left: 0.125in; vertical-align: bottom; padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Former
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    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
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<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
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<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
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    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
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<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
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    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
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    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
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    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
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<tr style="background-color: #E7E6E6; font: 11pt Arial, Helvetica, Sans-Serif">
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    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">750,000</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
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    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 23,769</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 2,818,976</span></td></tr>
<tr style="background-color: #E7E6E6; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: bottom; padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Managing
    Director &amp;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 2021</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 417,308</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
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    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 1,439,652</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">   -</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 55,176</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.5pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 1,912,136</span></td></tr>
<tr style="background-color: #E7E6E6; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-left: 0.125in; vertical-align: bottom; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Chief
    Accounting Officer</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: top; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td></tr>
</table><div>
</div><p style="margin-top: 0; margin-bottom: 0">&#160;</p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(a)</span></td><td style="padding-right: 31.7pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">On
                                         March 1, 2022, Mr. Caffrey was appointed Executive Vice President &amp; Chief Financial
                                         Officer of the Company. The former Chief Financial Officer, Mr. Campbell, became President
                                         of the Company on that date.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(b)</span></td><td style="padding-right: 31.7pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">For
                                         Mr. Caffrey, the amount in 2022 represents a sign-on award of $325,000 paid to him upon
                                         joining the Company. See &#8220;Compensation Discussion and Analysis.&#8221;</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(c)</span></td><td style="padding-right: 31.7pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Represents
                                         the grant date market value of WTM performance shares granted in 2022, 2021 and 2020
                                         and WTM restricted shares issued in 2022, 2021 and 2020. The WTM performance share awards
                                         included in the table have a maximum payout of 200% of the shares granted and, at such
                                         level, would have a grant date fair value equal to 200% of the amounts shown in the Grants
                                         of Plan Based Awards table. See &#8220;Grants of Plan Based Awards&#8221; and &#8220;Outstanding
                                         Equity Awards at Fiscal Year End.&#8221;</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(d)</span></td><td style="padding-right: 31.7pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">In
                                         2019, the annual incentive bonus program for named executive officers changed to a formulaic
                                         program, with the level of payout determined by reference to the Company&#8217;s growth
                                         in Compensation Value Per Share (&#8220;CVPS&#8221;). Amounts presented in 2022 represent
                                         annual incentive awards paid in cash in March 2023 for performance in the year ended
                                         December 31, 2022. Company performance in the year ended December 31, 2021 resulted in
                                         a level of growth in CVPS that produced no payout in March 2022 to the named executive
                                         officers. Amounts presented in 2020 represent annual incentive awards paid in cash in
                                         March 2021 for performance in the year ended December 31, 2020. See &#8220;Compensation
                                         Discussion and Analysis.&#8221;</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 0.25in; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(e)</span></td><td><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">See
                                         next table for details of All Other Compensation.</span></td>
</tr></table><div>




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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>All
Other Compensation</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
following table presents a breakout of &#8220;All Other Compensation&#8221; included in the Summary Compensation Table for 2022,
2021 and 2020:</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="width: 17%; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Name</span></td>
    <td style="width: 9%; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Year</span></td>
    <td style="width: 10%; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> Director</span></p>
                                                                                                                                                                        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font: 8pt Arial, Helvetica, Sans-Serif">Fees</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">
(a) ($)</span></p></td>
    <td style="width: 10%; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> Personal
<br/>
use of <br/>
planes</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> (b)
($)</span></p></td>
    <td style="width: 10%; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> Restricted <br/>
stock <br/>
dividends</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">
        (c) ($)</span></p></td>
    <td style="width: 10%; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> Company</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> contributions</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> to
401(k)</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> plan</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> ($)</span></p></td>
    <td style="width: 10%; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> Employee<br/>
stock <br/>
 ownership <br/>
plan</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> ($)</span></p></td>
    <td style="width: 8%; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Severance</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> ($)</span></p></td>
    <td style="width: 8%; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Personal</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">benefits</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(d)
($)</span></p></td>
    <td style="width: 8%; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">($)</span></p></td></tr>
<tr style="background-color: #E5E5E5; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">G.
    Manning Rountree</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2022</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 90,000</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 229,463</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 13,725</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 4,284</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="padding-top: 0.7pt; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">337,472</span></td></tr>
<tr style="background-color: #E5E5E5; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2021</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 90,000</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 96,954</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 3,000</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 13,050</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 4,131</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="padding-top: 0.7pt; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">207,135</span></td></tr>
<tr style="background-color: #E5E5E5; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><b> </b></span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2020</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 90,000</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 19,340</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 6,000</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 12,825</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 3,987</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">132,152</span></td></tr>
<tr style="background-color: white; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 5pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Liam
P. Caffrey</span></p></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2022</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 277,456</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 13,725</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -  </span></td>
    <td style="padding-top: 0.7pt; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;33,965</span></td>
    <td style="padding-top: 0.7pt; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">325,146</span></td></tr>
<tr style="background-color: white; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: bottom; padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td></tr>
<tr style="background-color: white; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 5pt"></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td></tr>
<tr style="background-color: #E7E6E6; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: right; padding-right: 5pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Reid
T. Campbell</span></p></td>
    <td style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2022</span></td>
    <td style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 90,000</span></td>
    <td style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 127,697</span></td>
    <td style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 13,725</span></td>
    <td style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 4,284</span></td>
    <td style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -  </span></td>
    <td style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -  </span></td>
    <td style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">235,706</span></td></tr>
<tr style="background-color: #E7E6E6; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: bottom; padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2021</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 90,000</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 110,066</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 2,000</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 13,050</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 4,131</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -  </span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -  </span></td>
    <td style="padding-top: 0.7pt; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">219,247</span></td></tr>
<tr style="background-color: #E7E6E6; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 5pt"></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2020</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 90,000</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 35,586</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 4,000</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 12,825</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 3,987</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -  </span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -  </span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">146,398</span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Robert
    L. Seelig</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2022</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 95,135</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 13,725</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 4,284</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="padding-top: 0.7pt; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">113,144</span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2021</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 77,026</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 1,000</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 13,050</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 4,131</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="padding-top: 0.7pt; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">95,207</span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2020</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 9,872</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 2,800</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 12,825</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 3,987</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">29,484</span></td></tr>
<tr style="background-color: #E7E6E6; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Michaela
    Hildreth</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2022</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -
    </span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 13,725</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 4,284</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,760</span></td>
    <td style="padding-top: 0.7pt; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">23,769</span></td></tr>
<tr style="background-color: #E7E6E6; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2021</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 35,675</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 400
    </span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 13,050</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 4,131</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,920</span></td>
    <td style="padding-top: 0.7pt; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">55,176</span></td></tr>
<tr style="background-color: #E7E6E6; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.7pt; padding-bottom: 0.65pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: top; border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: top; border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.7pt; padding-bottom: 0.65pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td></tr>
</table><div>
</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 0.25in; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(a)</span></td><td><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Amounts
                                         represent director fees paid by BAM.</span></td>
</tr></table><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(b)</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Amounts
                                         represent the aggregate incremental cost to the Company for the use of aircraft that
                                         were not otherwise in use for business. For Company aircraft, the incremental cost is
                                         the direct cost per hour multiplied by the number of hours of use. For third party aircraft
                                         services, the incremental cost is the amount invoiced to the Company by the third-party
                                         aircraft provider.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(c)</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Amounts
                                         represent dividends paid on restricted shares. Beginning in 2020, restricted share dividends
                                         are paid when vested, which, for the 2020-2022 cycle, occurred on January 1, 2023.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(d)</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Represents
                                         relocation expenses paid by the Company on behalf of Mr. Caffrey and parking garage rental
                                         fees paid by the Company on behalf of Ms. Hildreth.</span></td></tr></table><div>




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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Grants
of Plan-Based Awards </b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
following table presents grants of plan-based awards granted, except as otherwise noted, under the White Mountains Long-Term Incentive
Plan (the &#8220;WTM Incentive Plan&#8221;) to the Named Executive Officers that received such awards during 2022:</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td rowspan="2" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: center; padding-right: 5pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Name</span></p></td>
    <td rowspan="2" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: center; padding-right: 5pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Grant</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Date</span></p></td>
    <td rowspan="2" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Type
    of Award</span></td>
    <td rowspan="2" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: center; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td colspan="3" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: center; padding-right: 5pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Estimated
Future Payouts</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Under
Non-Equity Incentive Plan <br/>
Awards (a)</span></p></td>
    <td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: center; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td colspan="3" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: center; padding-right: 5pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Estimated
Future Payouts</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Under
Equity Incentive Plan <br/>
Awards (b)</span></p></td>
    <td rowspan="2" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: center; padding-right: 5pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> All
Other <br/>
Stock <br/>
Awards:<br/>
Number of</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> Shares<br/>
of Stock<br/>
or Units<br/>
(c) (#)</span></p></td>
    <td rowspan="2" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: center; padding-right: 5pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> All
Other <br/>
Option <br/>
Awards: <br/>
Number of <br/>
Securities <br/>
Underlying <br/>
Options <br/>
(#)</span></p></td>
    <td rowspan="2" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: center; padding-right: 5pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Exercise</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> or
Base<br/>
Price of <br/>
Option <br/>
Awards <br/>
($/sh)</span></p></td>
    <td rowspan="2" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> Grant
Date <br/>
Fair Value <br/>
of Stock <br/>
and Option <br/>
Awards</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> (d)
($)</span></p></td></tr>
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Threshold</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">($)</span></p></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Target</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">($)</span></p></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: center; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Maximum
    ($)</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Threshold</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(#)</span></p></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Target</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(#)</span></p></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Maximum</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(#)</span></p></td></tr>
<tr style="background-color: #E5E5E5; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: top; width: 10%; padding-top: 0.5pt; padding-bottom: 0.45pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">G.
    Manning Rountree</span></td>
    <td style="vertical-align: bottom; width: 5%; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; width: 13%; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Annual
    Incentive Bonus</span></td>
    <td style="vertical-align: bottom; width: 1%; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; width: 7%; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 0</span></td>
    <td style="vertical-align: bottom; width: 7%; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 375,000</span></td>
    <td style="vertical-align: bottom; width: 7%; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 750,000</span></td>
    <td style="vertical-align: bottom; width: 1%; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; width: 7%; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; width: 7%; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; width: 7%; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; width: 7%; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; width: 7%; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; width: 7%; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; width: 7%; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td></tr>
<tr style="background-color: #E5E5E5; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: top; padding-top: 0.5pt; padding-bottom: 0.45pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2/24/22</span></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">WTM
    Performance Shares</span></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;0</span></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 2,700</span></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 5,400</span></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 2,802,141</span></td></tr>
<tr style="background-color: #E5E5E5; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: top; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2/24/22</span></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">WTM
    Restricted Shares</span></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 2,700</span></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 2,802,141</span></td></tr>
<tr style="background-color: white; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: top; padding-top: 0.5pt; padding-bottom: 0.45pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Liam
    P. Caffrey</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Annual
    Incentive Bonus</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 0</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 375,000</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 750,000</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td></tr>
<tr style="background-color: white; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: top; padding-top: 0.5pt; padding-bottom: 0.45pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2/24/22</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">WTM
    Performance &#160;Shares</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;0</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 1,250</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 2,500</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 1,297,288</span></td></tr>
<tr style="background-color: white; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: top; padding-top: 0.5pt; padding-bottom: 0.45pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2/24/22</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">WTM
    Restricted Shares</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 1,250</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 1,297,288</span></td></tr>
<tr style="background-color: #E7E6E6; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: top; border-top: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Reid
    T. Campbell</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Annual
    Incentive Bonus</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 0</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 375,000</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 750,000</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td></tr>
<tr style="background-color: #E7E6E6; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: top; padding-top: 0.5pt; padding-bottom: 0.45pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2/24/22</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">WTM
    Performance &#160;Shares</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td></tr>
<tr style="background-color: #E7E6E6; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: top; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2/24/22</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">WTM
    Restricted Shares</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td></tr>
<tr style="background-color: white; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: top; padding-top: 0.5pt; padding-bottom: 0.45pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Robert
    L. Seelig</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Annual
    Incentive Bonus</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 0</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 375,000</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 750,000</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td></tr>
<tr style="background-color: white; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: top; padding-top: 0.5pt; padding-bottom: 0.45pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2/24/22</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">WTM
    Performance Shares</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;0</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 1,250</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 2,500</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 1,297,288</span></td></tr>
<tr style="vertical-align: bottom; background-color: white; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 0.5pt; padding-bottom: 0.45pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2/24/22</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">WTM
    Restricted&#160;&#160;Shares</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; -</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 1,250</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 1,297,288</span></td></tr>
<tr style="background-color: #E7E6E6; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: top; border-top: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Michaela
    Hildreth</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Annual
    Incentive Bonus</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 0</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 375,000</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 750,000</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td></tr>
<tr style="background-color: #E7E6E6; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="vertical-align: top; padding-top: 0.5pt; padding-bottom: 0.45pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2/24/22</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">WTM
    Performance Shares</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;0</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 750</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 1,500</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 778,373</span></td></tr>
<tr style="vertical-align: bottom; background-color: #E7E6E6; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2/24/22</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">WTM
    Restricted&#160;&#160;Shares</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 750</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right; padding-right: 5pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 778,373</span></td></tr>
</table><div>
</div><p style="margin-top: 0; margin-bottom: 0">&#160;</p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(a)</span></td><td style="padding-right: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">These
                                         columns indicate the range of payouts (0%, 100% and 200%) targeted for fiscal 2022 performance
                                         under our Annual Incentive Bonus Plan as described in &#8220;Compensation Discussion
                                         and Analysis&#8221; in this proxy statement. The actual payout with respect to fiscal
                                         2022 for each named executive officer is shown in the Summary Compensation Table in the
                                         column titled &#8220;Non-Equity Incentive Plan Compensation.&#8221;</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(b)</span></td><td style="padding-right: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Messrs.
                                         Rountree, Caffrey, Seelig and Ms. Hildreth were granted WTM performance shares for the
                                         2022-2024 performance cycle. For the 2022-2024 performance cycle, the targeted performance
                                         goal for full payment of outstanding WTM performance shares granted under the WTM Incentive
                                         Plan for all NEOs is an 9% average growth in CVPS. Average growth of 4% or less would
                                         result in no payout and average growth of 14% or more would result in a payout of 200%.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(c)</span></td><td style="padding-right: 18.2pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Messrs.
                                         Rountree, Caffrey, Seelig and Ms. Hildreth were granted WTM restricted shares that vest
                                         on January 1, 2025.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(d)</span></td><td style="padding-right: 18.2pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Represents
                                         the grant date fair value (based on a market price on the date of grant) as determined
                                         in accordance with ASC Topic 718 without regard to forfeitures. Assuming a maximum 200%
                                         payout, the grant date fair value of the WTM performance shares granted to Messrs. Rountree,
                                         Caffrey, Seelig and Ms. Hildreth would be $5,604,282, $2,594,575, $2,594,575 and $1,556,745.</span></td></tr></table><div>




</div><!-- Field: Page; Sequence: 27; Value: 20 --><div>
    </div><div style="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><p style="margin-top: 0pt; text-align: center; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->46<!-- Field: /Sequence --></p></div><div>
    </div><div style="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><p style="margin: 0pt">&#160;</p></div><div>
    </div><!-- Field: /Page --><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-align: center; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Outstanding
Equity Awards at Fiscal Year-End</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-align: center; text-indent: -0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"> The
following table presents outstanding equity awards under the WTM Incentive Plan, except as otherwise noted, to the Named Executive
Officers as of December 31, 2022: </span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="font: 8pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<tr style="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <td rowspan="2" style="padding-top: 0.5pt; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 0.45pt"><p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Name</span></p></td>
    <td style="border-top: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td colspan="5" style="border-top: black 1pt solid; border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Option
    Awards</span></td>
    <td style="border-top: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td colspan="4" style="border-top: black 1pt solid; border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Stock
    Awards (a)(b)(c)</span></td></tr>
<tr style="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <td style="padding: 0.5pt 1.45pt 0.45pt; border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left"><p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Type
                                            of</span></p>
        <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Award</span></p></td>
    <td style="padding: 0.5pt 1.45pt 0.45pt; border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right"><p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Number
                                            of <br/>
                                            Securities <br/>
                                            Underlying</span></p>
        <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unexercised</span></p>
        <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Options</span></p>
        <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(#
        Exercisable)</span></p></td>
    <td style="padding: 0.5pt 1.45pt 0.45pt; border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right"><p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Number
                                            of <br/>
                                            Securities <br/>
                                            Underlying <br/>
                                            Unexercised <br/>
                                            Options</span></p>
        <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(#
        Unexercisable)</span></p></td>
    <td style="padding: 0.5pt 1.45pt 0.45pt; border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right"><p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Equity
                                            <br/>
                                            Incentive Plan <br/>
                                            Awards: <br/>
                                            Number of <br/>
                                            Securities <br/>
                                            Underlying <br/>
                                            Unexercised <br/>
                                            Unearned <br/>
                                            Options</span></p>
        <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(#)</span></p></td>
    <td style="padding: 0.5pt 1.45pt 0.45pt; border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right"><p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Option
                                            <br/>
                                            Exercise <br/>
                                            Price</span></p>
        <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">($)</span></p></td>
    <td style="padding: 0.5pt 1.45pt 0.45pt; border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Option
    <br/>
    Expiration <br/>
    Date</span></td>
    <td style="padding: 0.5pt 1.45pt 0.45pt; border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding: 0.5pt 1.45pt 0.45pt; border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right"><p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Number
                                            of <br/>
                                            Shares or <br/>
                                            Units of <br/>
                                            Stock That <br/>
                                            Have Not <br/>
                                            Vested</span></p>
        <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(#)</span></p></td>
    <td style="padding: 0.5pt 1.45pt 0.45pt; border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right"><p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Market
                                            <br/>
                                            Value of <br/>
                                            Shares or <br/>
                                            Units of <br/>
                                            Stock That <br/>
                                            Have Not <br/>
                                            Vested</span></p>
        <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">($)</span></p></td>
    <td style="padding: 0.5pt 1.45pt 0.45pt; border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right"><p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Equity
                                            <br/>
                                            Incentive Plan <br/>
                                            Awards: <br/>
                                            Number of <br/>
                                            Unearned <br/>
                                            Shares, Units <br/>
                                            or Other <br/>
                                            Rights That <br/>
                                            Have Not <br/>
                                            Vested</span></p>
        <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(#)</span></p></td>
    <td style="padding: 0.5pt 1.45pt 0.45pt; border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right"><p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Equity
                                            <br/>
                                            Incentive</span></p>
        <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Plan
        Awards: <br/>
        Market or</span></p>
        <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Payout
        Value <br/>
        of Unearned <br/>
        Shares, Units <br/>
        or Other <br/>
        Rights That <br/>
        Have Not <br/>
        Vested</span></p>
        <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">($)</span></p></td></tr>
<tr style="font: 8pt Arial, Helvetica, Sans-Serif; background-color: #E5E5E5">
    <td style="white-space: nowrap; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; width: 12%; padding-top: 2pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">G.
    Manning Rountree </span></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; width: 15%; padding-top: 2pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">WTM
    Performance Shares</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; width: 8%; padding-top: 2pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; width: 10%; padding-top: 2pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; width: 8%; padding-top: 2pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; width: 7%; padding-top: 2pt; padding-bottom: 0.45pt; padding-left: 0.3in; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; width: 7%; padding-top: 2pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; width: 1%; padding-top: 2pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; width: 8%; padding-top: 2pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; width: 8%; padding-top: 2pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; width: 8%; padding-top: 2pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,400</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; width: 8%; padding-top: 2pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">15,290,964</span></td></tr>
<tr style="font: 8pt Arial, Helvetica, Sans-Serif; background-color: #E5E5E5">
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">WTM
    Restricted Shares</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; padding-left: 0.3in; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">8,100</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11,456,073</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td></tr>
<tr style="font: 8pt Arial, Helvetica, Sans-Serif">
    <td style="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Liam
    P. Caffrey</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">WTM
    Performance Shares</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; padding-left: 0.3in; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,250</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,538,325</span></td></tr>
<tr style="font: 8pt Arial, Helvetica, Sans-Serif">
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.5pt; border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; text-align: left; padding-bottom: 0.45pt"><p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">WTM
                                            Restricted Shares</span></p></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; padding-left: 0.3in; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,250</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,767,913</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td></tr>
<tr style="font: 8pt Arial, Helvetica, Sans-Serif; background-color: #E5E5E5">
    <td style="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Reid
    T. Campbell</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">WTM
    Performance Shares</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; padding-left: 0.3in; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,800</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,098,788</span></td></tr>
<tr style="font: 8pt Arial, Helvetica, Sans-Serif; background-color: #E5E5E5">
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="padding-top: 0.5pt; border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; text-align: left; padding-bottom: 0.45pt"><p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">WTM
                                            Restricted Shares</span></p></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; padding-left: 0.3in; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,600</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,091,588</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td></tr>
<tr style="font: 8pt Arial, Helvetica, Sans-Serif; background-color: white">
    <td style="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Robert
    L. Seelig</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">WTM
    Performance Shares </span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; padding-left: 0.3in; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,250</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">6,370,985</span></td></tr>
<tr style="font: 8pt Arial, Helvetica, Sans-Serif; background-color: white">
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">WTM
    Restricted Shares</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; padding-left: 0.3in; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,150</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4,455,140</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td></tr>
<tr style="font: 8pt Arial, Helvetica, Sans-Serif; background-color: #E5E5E5">
    <td style="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Michaela
    Hildreth</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">WTM
    Performance Shares </span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; padding-left: 0.3in; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,350</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,822,591</span></td></tr>
<tr style="font: 8pt Arial, Helvetica, Sans-Serif; background-color: #E5E5E5">
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">WTM
    Restricted Shares</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; padding-left: 0.3in; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,750</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,475,078</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td>
    <td style="border-bottom: Black 1pt solid; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.5pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</span></td></tr>
</table><div>
</div><p style="margin-top: 0; margin-bottom: 0">&#160;</p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(a)</span></td><td style="padding-right: 23.05pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Equity
                                         incentive plan awards not yet vested at December 31, 2022 for Messrs. Rountree, Caffrey,
                                         Campbell, Seelig and Ms. Hildreth include 2,700, 1,250, 0, 1,250 and 750 target WTM performance
                                         shares, respectively, for the 2022-2024 performance cycle and 2,700, 0, 1,800, 1,000
                                         and 600 target WTM performance shares, respectively, for the 2021-2023 performance cycle.
                                         Payout values for WTM performance shares are shown at 200% of target for both the 2022-2024
                                         and the 2021-2023 performance cycles and based on the December 31, 2022 closing market
                                         price ($1,414.33) including dividends declared since the grant date.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(b)</span></td><td style="padding-right: 23.05pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Stock
                                         awards not yet vested at December 31, 2022 for Messrs. Rountree, Caffrey, Campbell, Seelig
                                         and Ms. Hildreth include 2,700, 1,250, 0, 1,250 and 750 WTM restricted shares, respectively,
                                         that vest on January 1, 2025; 2,700, 0, 1,800, 1,000 and 600 WTM restricted shares, respectively,
                                         that vest on January 1, 2024; and 2,700, 0, 1,800, 900 and 400 WTM restricted shares,
                                         respectively, that vest on January 1, 2023. Market values are based on the December 31,
                                         2022 closing market price ($1,414.33).</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(c)</span></td><td style="padding-right: 22.7pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Excludes
                                         WTM performance shares for the 2020-2022 performance cycle, which vested on December
                                         31, 2022. See &#8220;Option Exercises and Stock Vested.&#8221;</span></td></tr></table><div>




</div><!-- Field: Page; Sequence: 28; Value: 20 --><div>
    </div><div style="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><p style="margin-top: 0pt; text-align: center; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->47<!-- Field: /Sequence --></p></div><div>
    </div><div style="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><p style="margin: 0pt">&#160;</p></div><div>
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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Option
Exercises and Stock Vested</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
following table presents stock awards that vested in 2022 for each of the Named Executive Officers. No option awards were exercised
by the Named Executive Officers during 2022.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td rowspan="2" style="border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Name</span></p></td>
    <td colspan="3" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: center"><p style="margin-top: 0; margin-bottom: 0"></p>
                                                                                <p style="margin-top: 0; margin-bottom: 0">&#160;</p>
                                                                                <p style="margin-top: 0; margin-bottom: 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Option Awards Exercised</span></p></td>
    <td style="border-top: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: center"><span style="font-size: 9pt">&#160;</span></td>
    <td colspan="4" style="border-top: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Stock
    Awards Vested</span></td></tr>
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> Number
                                         of Shares</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> Acquired
        on</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> Exercise
        (#)</span></p></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> Value
                                         Realized</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> on
        Exercise</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> ($)</span></p></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-top: black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Type
    of Award</span></td>
    <td style="border-top: black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-top: black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> Number
                                         of Shares </span><span style="font-size: 9pt"><br/>
                                         <span style="font-family: Arial, Helvetica, Sans-Serif">Acquired on Vesting</span></span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> (#)</span></p></td>
    <td style="border-top: black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> Value
                                         Realized</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> on
        Vesting</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> ($)</span></p></td></tr>
<tr style="vertical-align: top; background-color: #E5E5E5; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="width: 15%; padding-top: 0.4pt; padding-bottom: 0.45pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">G.
    Manning Rountree</span></td>
    <td style="width: 1%; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="width: 15%; padding-top: 0.4pt; padding-bottom: 0.45pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 10pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> -</span></td>
    <td style="width: 15%; padding-top: 0.4pt; padding-bottom: 0.45pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 10pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> -</span></td>
    <td style="width: 1%; padding-top: 0.4pt; padding-bottom: 0.45pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="width: 22%; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">WTM
    Performance Shares</span></td>
    <td style="width: 1%; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(a)</span></td>
    <td style="width: 15%; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> 5,400</span></td>
    <td style="width: 15%; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> 8,252,388</span></td></tr>
<tr style="vertical-align: top; background-color: #E5E5E5; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right; padding-right: 10pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right; padding-right: 10pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">WTM
    Restricted Shares</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(b)</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> 3,000</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> 3,041,700</span></td></tr>
<tr style="vertical-align: top; background-color: white; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 0.4pt; padding-bottom: 0.45pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Liam
    P. Caffrey</span></td>
    <td style="padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;&#160;&#160;&#160;&#160;</span></td>
    <td style="padding-top: 0.4pt; padding-bottom: 0.45pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 10pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> -</span></td>
    <td style="padding-top: 0.4pt; padding-bottom: 0.45pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 10pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> -</span></td>
    <td style="padding-top: 0.4pt; padding-bottom: 0.45pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">WTM
    Performance Shares</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(a)</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> -</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> -</span></td></tr>
<tr style="vertical-align: top; background-color: white; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right; padding-right: 10pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right; padding-right: 10pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">WTM
    Restricted Shares</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(b)</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> -</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> -</span></td></tr>
<tr style="vertical-align: top; background-color: #E5E5E5; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 0.4pt; padding-bottom: 0.45pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Reid
    T. Campbell</span></td>
    <td style="padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;&#160;&#160;&#160;&#160;</span></td>
    <td style="padding-top: 0.4pt; padding-bottom: 0.45pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 10pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> -</span></td>
    <td style="padding-top: 0.4pt; padding-bottom: 0.45pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 10pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> -</span></td>
    <td style="padding-top: 0.4pt; padding-bottom: 0.45pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">WTM
    Performance Shares</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(a)</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> 3,600</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> 5,501,592</span></td></tr>
<tr style="vertical-align: top; background-color: #E5E5E5; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right; padding-right: 10pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right; padding-right: 10pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">WTM
    Restricted Shares</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(b)</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> 2,000</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> 2,027,800</span></td></tr>
<tr style="vertical-align: top; background-color: white; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 0.4pt; padding-bottom: 0.45pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Robert
    L. Seelig</span></td>
    <td style="padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="padding-top: 0.4pt; padding-bottom: 0.45pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 10pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> -</span></td>
    <td style="padding-top: 0.4pt; padding-bottom: 0.45pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 10pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> -</span></td>
    <td style="padding-top: 0.4pt; padding-bottom: 0.45pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">WTM
    Performance Shares</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(a)</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> 1,800</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> 2,750,796</span></td></tr>
<tr style="vertical-align: top; background-color: white; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 0.4pt; padding-bottom: 0.45pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="padding-top: 0.4pt; padding-bottom: 0.45pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 10pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="padding-top: 0.4pt; padding-bottom: 0.45pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 10pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="padding-top: 0.4pt; padding-bottom: 0.45pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">WTM
    Restricted Shares</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(b)</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> 1,000</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> 1,013,900</span></td></tr>
<tr style="vertical-align: top; background-color: #E5E5E5; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Michaela
                                         Hildreth</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"></p></td>
    <td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 10pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> -</span></td>
    <td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 10pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> -</span></td>
    <td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">WTM
    Performance Shares</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(a)</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> 800</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> 1,222,576</span></td></tr>
<tr style="vertical-align: top; background-color: #E5E5E5; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right; padding-right: 10pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right; padding-right: 10pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">WTM
    Restricted Shares</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(b)</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> 400</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.4pt; padding-bottom: 0.45pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> 405,560</span></td></tr>
</table><div>
</div><p style="margin-top: 0; margin-bottom: 0">&#160;</p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(a)</span></td><td style="padding-right: 31.7pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Represents
                                         2,700, 0, 1,800, 900 and 400 target WTM performance shares awarded for the 2020-2022
                                         performance cycle to Messrs. Rountree, Caffrey, Campbell, Seelig and Ms. Hildreth, respectively,
                                         which became fully vested on December 31, 2022 at 200% of target. Value realized on vesting
                                         is based on the average of the closing price of common shares for the 5 days preceding
                                         the CNG Committee meeting on February 22, 2023, as determined by the CNG Committee, plus
                                         dividends declared since the cycle was granted in 2020.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(b)</span></td><td style="padding-right: 31.7pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The
                                         amounts represent WTM restricted shares for the 2019-2021 cycle that vested on January
                                         1, 2022.</span></td></tr></table><div>




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    </div><div style="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><p style="margin-top: 0pt; text-align: center; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->48<!-- Field: /Sequence --></p></div><div>
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    </div><!-- Field: /Page --><div>

</div><ix:nonNumeric contextRef="c0" continuedAt="_PvpTableTextBlock-c0_cont_1" escape="true" name="ecd:PvpTableTextBlock"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Pay
Versus Performance</b></span></p><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p></ix:nonNumeric><div>

</div><div>

</div><ix:continuation continuedAt="_PvpTableTextBlock-c0_cont_2" id="_PvpTableTextBlock-c0_cont_1"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
following table presents &#8220;Compensation Actually Paid&#8221; to the Principal Executive Officer (&#8220;PEO&#8221;) and the
 &#8220;Average Compensation Actually Paid&#8221; to the Non-PEO NEOs in 2022, 2021 and 2020, as calculated pursuant to recently
adopted SEC rules.</span></p><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p></ix:continuation><div>

</div><div>

</div><ix:continuation continuedAt="_PvpTableTextBlock-c0_cont_3" id="_PvpTableTextBlock-c0_cont_2"><table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"> <td rowspan="2" style="border-top: Black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Year <sup>(1)</sup></span></td> <td rowspan="2" style="border-top: Black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Summary <br/> Compensation <br/> Table Total for <br/> PEO</span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">($)</span></p></td> <td rowspan="2" style="border-top: Black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Compensation <br/> Actually Paid <br/> to PEO</span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">($)<sup>2</sup></span></p></td> <td rowspan="2" style="border-top: Black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average <br/> Summary <br/> Compensation <br/> Table Total for <br/> Non-PEO NEOs</span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">($)</span></p></td> <td rowspan="2" style="border-top: Black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average
<br/>
Compensation <br/>
Actually Paid to <br/>
Non-PEO NEOs</span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">($)<sup>(2)</sup></span></p></td> <td colspan="2" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Value of Initial Fixed $100 <br/>
Investment Based On:</span></td> <td rowspan="2" style="border-top: Black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net
Income <br/>
(Loss)</span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(millions
$)</span></p></td> <td rowspan="2" style="border-top: Black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><ix:nonNumeric contextRef="c0" name="ecd:CoSelectedMeasureName">Annual <br/>
Growth in <br/>
Compensation <br/>
Value per <br/>
Share</ix:nonNumeric><sup>(4)</sup></span></td></tr>
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total
<br/>
Shareholder <br/>
Return</span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">($)</span></p></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Peer
Group Total <br/>
Shareholder <br/>
Return</span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">($)<sup>(3)</sup></span></p></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif"> <td style="white-space: nowrap; width: 10%; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2022</span></td> <td style="white-space: nowrap; width: 11%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><ix:nonFraction contextRef="c0" decimals="INF" format="ixt:num-dot-decimal" name="ecd:PeoTotalCompAmt" scale="0" unitRef="usd">7,191,754</ix:nonFraction></span></td> <td style="white-space: nowrap; width: 11%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><ix:nonFraction contextRef="c0" decimals="INF" format="ixt:num-dot-decimal" name="ecd:PeoActuallyPaidCompAmt" scale="0" unitRef="usd">23,147,640</ix:nonFraction></span></td> <td style="white-space: nowrap; width: 11%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><ix:nonFraction contextRef="c0" decimals="INF" format="ixt:num-dot-decimal" name="ecd:NonPeoNeoAvgTotalCompAmt" scale="0" unitRef="usd">3,169,569</ix:nonFraction></span></td> <td style="white-space: nowrap; width: 11%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><ix:nonFraction contextRef="c0" decimals="INF" format="ixt:num-dot-decimal" name="ecd:NonPeoNeoAvgCompActuallyPaidAmt" scale="0" unitRef="usd">7,992,051</ix:nonFraction></span></td> <td style="white-space: nowrap; width: 11%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><ix:nonFraction contextRef="c0" decimals="INF" format="ixt:num-dot-decimal" name="ecd:TotalShareholderRtnAmt" scale="0" unitRef="usd">127.17</ix:nonFraction></span></td> <td style="white-space: nowrap; width: 11%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><ix:nonFraction contextRef="c0" decimals="INF" format="ixt:num-dot-decimal" name="ecd:PeerGroupTotalShareholderRtnAmt" scale="0" unitRef="usd">151.65</ix:nonFraction></span></td> <td style="white-space: nowrap; width: 11%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><ix:nonFraction contextRef="c0" decimals="-5" format="ixt:num-dot-decimal" name="us-gaap:NetIncomeLoss" scale="6" unitRef="usd">792.8</ix:nonFraction></span></td> <td style="white-space: nowrap; width: 13%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><ix:nonFraction contextRef="c0" decimals="INF" format="ixt:num-dot-decimal" name="ecd:CoSelectedMeasureAmt" scale="0" unitRef="pure">23.9</ix:nonFraction>%</span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif"> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2021</span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><ix:nonFraction contextRef="c1" decimals="INF" format="ixt:num-dot-decimal" name="ecd:PeoTotalCompAmt" scale="0" unitRef="usd">7,185,569</ix:nonFraction></span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><ix:nonFraction contextRef="c1" decimals="INF" format="ixt:num-dot-decimal" name="ecd:PeoActuallyPaidCompAmt" scale="0" unitRef="usd">4,639,595</ix:nonFraction></span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><ix:nonFraction contextRef="c1" decimals="INF" format="ixt:num-dot-decimal" name="ecd:NonPeoNeoAvgTotalCompAmt" scale="0" unitRef="usd">2,906,827</ix:nonFraction></span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><ix:nonFraction contextRef="c1" decimals="INF" format="ixt:num-dot-decimal" name="ecd:NonPeoNeoAvgCompActuallyPaidAmt" scale="0" unitRef="usd">2,095,752</ix:nonFraction></span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><ix:nonFraction contextRef="c1" decimals="INF" format="ixt:num-dot-decimal" name="ecd:TotalShareholderRtnAmt" scale="0" unitRef="usd">91.08</ix:nonFraction></span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><ix:nonFraction contextRef="c1" decimals="INF" format="ixt:num-dot-decimal" name="ecd:PeerGroupTotalShareholderRtnAmt" scale="0" unitRef="usd">127.58</ix:nonFraction></span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(<ix:nonFraction contextRef="c1" decimals="-5" format="ixt:num-dot-decimal" name="us-gaap:NetIncomeLoss" scale="6" sign="-" unitRef="usd">275.4</ix:nonFraction>)</span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-<ix:nonFraction contextRef="c1" decimals="INF" format="ixt:num-dot-decimal" name="ecd:CoSelectedMeasureAmt" scale="0" sign="-" unitRef="pure">1.2</ix:nonFraction>%</span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif"> <td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: -6.15pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2020</span></td> <td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><ix:nonFraction contextRef="c2" decimals="INF" format="ixt:num-dot-decimal" name="ecd:PeoTotalCompAmt" scale="0" unitRef="usd">7,170,628</ix:nonFraction></span></td> <td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><ix:nonFraction contextRef="c2" decimals="INF" format="ixt:num-dot-decimal" name="ecd:PeoActuallyPaidCompAmt" scale="0" unitRef="usd">13,792,568</ix:nonFraction></span></td> <td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><ix:nonFraction contextRef="c2" decimals="INF" format="ixt:num-dot-decimal" name="ecd:NonPeoNeoAvgTotalCompAmt" scale="0" unitRef="usd">3,966,751</ix:nonFraction></span></td> <td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><ix:nonFraction contextRef="c2" decimals="INF" format="ixt:num-dot-decimal" name="ecd:NonPeoNeoAvgCompActuallyPaidAmt" scale="0" unitRef="usd">6,747,315</ix:nonFraction></span></td> <td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><ix:nonFraction contextRef="c2" decimals="INF" format="ixt:num-dot-decimal" name="ecd:TotalShareholderRtnAmt" scale="0" unitRef="usd">89.81</ix:nonFraction></span></td> <td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><ix:nonFraction contextRef="c2" decimals="INF" format="ixt:num-dot-decimal" name="ecd:PeerGroupTotalShareholderRtnAmt" scale="0" unitRef="usd">106.96</ix:nonFraction></span></td> <td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><ix:nonFraction contextRef="c2" decimals="-5" format="ixt:num-dot-decimal" name="us-gaap:NetIncomeLoss" scale="6" unitRef="usd">708.7</ix:nonFraction></span></td> <td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><ix:nonFraction contextRef="c2" decimals="INF" format="ixt:num-dot-decimal" name="ecd:CoSelectedMeasureAmt" scale="0" unitRef="pure">24.0</ix:nonFraction>%</span></td></tr>
</table><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p></ix:continuation><div>
</div><div>

</div><ix:continuation continuedAt="_PvpTableTextBlock-c0_cont_4" id="_PvpTableTextBlock-c0_cont_3"><ix:nonNumeric contextRef="c0" continuedAt="_NamedExecutiveOfficersFnTextBlock-c0_cont_1" escape="true" name="ecd:NamedExecutiveOfficersFnTextBlock"><table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0pt; width: 100%"><tr style="vertical-align: top">
<td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1)</span></td><td><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The PEO and Non-PEO NEOs for the applicable years were as follows:</span></td>
</tr></table><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></p></ix:nonNumeric></ix:continuation><div>

</div><div>

</div><ix:continuation continuedAt="_PvpTableTextBlock-c0_cont_5" id="_PvpTableTextBlock-c0_cont_4"><ix:continuation continuedAt="_NamedExecutiveOfficersFnTextBlock-c0_cont_2" id="_NamedExecutiveOfficersFnTextBlock-c0_cont_1"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2022:
<ix:nonNumeric contextRef="c2" name="ecd:PeoName"><ix:nonNumeric contextRef="c1" name="ecd:PeoName"><ix:nonNumeric contextRef="c0" name="ecd:PeoName">Mr. Rountree</ix:nonNumeric></ix:nonNumeric></ix:nonNumeric> served as PEO and Messrs. Caffrey, Campbell, Seelig and Ms. Hildreth served as Non-PEO NEOs&#160;</span></p><div>

</div></ix:continuation></ix:continuation><ix:continuation continuedAt="_PvpTableTextBlock-c0_cont_6" id="_PvpTableTextBlock-c0_cont_5"><ix:continuation continuedAt="_NamedExecutiveOfficersFnTextBlock-c0_cont_3" id="_NamedExecutiveOfficersFnTextBlock-c0_cont_2"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2021:
Mr. Rountree served as PEO and Messrs. Bazos, Campbell, Seelig and Ms. Hildreth served as Non-PEO NEOs&#160;</span></p><div>

</div></ix:continuation></ix:continuation><ix:continuation continuedAt="_PvpTableTextBlock-c0_cont_7" id="_PvpTableTextBlock-c0_cont_6"><ix:continuation id="_NamedExecutiveOfficersFnTextBlock-c0_cont_3"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2020:
Mr. Rountree served as PEO and Messrs. Bazos, Campbell, Seelig and Palmer served as Non-PEO NEOs</span></p><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></p></ix:continuation></ix:continuation><div>

</div><div>

</div><ix:continuation continuedAt="_PvpTableTextBlock-c0_cont_8" id="_PvpTableTextBlock-c0_cont_7"><ix:nonNumeric contextRef="c0" continuedAt="_AdjToNonPeoNeoCompFnTextBlock-c0_cont_1" escape="true" name="ecd:AdjToNonPeoNeoCompFnTextBlock"><ix:nonNumeric contextRef="c0" continuedAt="_AdjToPeoCompFnTextBlock-c0_cont_1" escape="true" name="ecd:AdjToPeoCompFnTextBlock"><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(2)</span></td><td style="padding-right: 31.7pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The amounts reported as &#8220;Compensation Actually Paid&#8221; to our PEO and &#8220;Average Compensation Actually Paid&#8221; to our Non-PEO NEOs in each of 2022, 2021 and 2020 represent the respective amounts as determined in accordance with Item 402(v) of Regulation S-K. The amounts do not reflect the actual amount of compensation earned by or paid to our PEO or Non-PEO NEOs during the applicable year. The Summary Compensation Table totals reported for the PEO and the average of the Non-PEO NEOs for each year were subject to the following adjustments per Item 402(v)(2)(iii) of Regulation S-K to calculate &#8220;compensation actually paid&#8221;:</span></td></tr></table><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p></ix:nonNumeric></ix:nonNumeric></ix:continuation><div>

</div><div>

</div><ix:continuation continuedAt="_PvpTableTextBlock-c0_cont_9" id="_PvpTableTextBlock-c0_cont_8"><ix:continuation id="_AdjToNonPeoNeoCompFnTextBlock-c0_cont_1"><ix:continuation id="_AdjToPeoCompFnTextBlock-c0_cont_1"><table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"> <td style="border-top: Black 1pt solid; vertical-align: top; padding-top: 8pt; font: 11pt Arial, Helvetica, Sans-Serif; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td colspan="2" style="padding-top: 8pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2022</span></td> <td colspan="3" style="padding-top: 8pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2021</span></td> <td style="padding-top: 8pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td colspan="2" style="padding-top: 8pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2020</span></td></tr>
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"> <td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; width: 36%; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">PEO ($)</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average for<br/> Non-PEO <br/> NEOs ($)</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 2%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">PEO ($)</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average for<br/> Non-PEO <br/> NEOs ($)</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 2%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">PEO ($)</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average for<br/>
Non-PEO <br/>
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</div><ix:continuation continuedAt="_PvpTableTextBlock-c0_cont_10" id="_PvpTableTextBlock-c0_cont_9"><ix:nonNumeric contextRef="c0" escape="true" name="ecd:PeerGroupIssuersFnTextBlock"><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(3)</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Peer Group Total Shareholder Return reflects the S&amp;P 500 Property &amp; Casualty Insurance Index as reflected in our Annual Report on the Form 10-K pursuant to Item 201(e) of Regulation S-K for the fiscal year ended December 31, 2022. Each year reflects what the cumulative value of $100 would be, including the reinvestment of dividends, if such amount had been invested on December 31, 2019.</span></td></tr></table><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></p></ix:nonNumeric></ix:continuation><div>

</div><div>

</div><ix:continuation id="_PvpTableTextBlock-c0_cont_10"><ix:nonNumeric contextRef="c27" escape="true" name="ecd:NonGaapMeasureDescriptionTextBlock"><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(4)</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">CVPS is the average of growth in adjusted book value per share (ABVPS) and growth in intrinsic value per share, which is the ABVPS including franchise value step-ups to reflect the fair value of certain entities carried at book value. See Annex A for a reconciliation of growth in ABVPS and growth in intrinsic value per share.</span></td></tr></table></ix:nonNumeric></ix:continuation><div>





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</div><ix:nonNumeric contextRef="c0" continuedAt="_TabularListTableTextBlock-c0_cont_1" escape="true" name="ecd:TabularListTableTextBlock"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Financial
Performance Measures</i></b></span></p><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p></ix:nonNumeric><div>

</div><div>

</div><ix:continuation id="_TabularListTableTextBlock-c0_cont_1"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">As
described in more detail in &#8220;Compensation Discussion &amp; Analysis&#8221; beginning on page 29, our approach to executive
compensation is designed with the primary goal of creating superior growth in our values per share over long periods of time.
We believe that this goal is best pursued by utilizing a pay-for-performance program that closely aligns the financial interests
of management with those of our shareholders while rewarding appropriate risk taking. We accomplish this by emphasizing variable
long-term compensation, the value of which is tied to performance over a number of years rather than fixed entitlements (such
as base salary, pensions, and employee benefits). Annual growth in CVPS determines the level of payout under our formulaic annual
bonus program, and annual growth in CVPS over the three-year performance cycle determines the number of shares earned from each
grant of performance shares. The market value of our shares is not included as a direct measure of performance, but it determines
the ultimate value of earned performance and restricted share awards. The most important financial measure used by the Company
to link compensation actually paid (as defined by SEC rules) to the Company&#8217;s NEOs for 2022 to the Company&#8217;s performance
is Growth in CVPS.</span></p></ix:continuation><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><ix:nonNumeric contextRef="c0" continuedAt="_TotalShareholderRtnVsPeerGroupTextBlock-c0_cont_1" escape="true" name="ecd:TotalShareholderRtnVsPeerGroupTextBlock"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Relationship
Between Pay and Performance</i></b></span></p><div>

</div></ix:nonNumeric><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><ix:continuation continuedAt="_TotalShareholderRtnVsPeerGroupTextBlock-c0_cont_2" id="_TotalShareholderRtnVsPeerGroupTextBlock-c0_cont_1"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">In
2022, strong growth in CVPS positively correlated with growth in compensation actually paid for the following reasons. Based on
the Company&#8217;s performance of 23.9% growth in CVPS in 2022, the PEO and NEOs received bonuses of 200% of target for 2022.
During 2022, the fair value of all performance shares included in the calculation of Compensation Actually Paid to the PEO and
Average Compensation Actually Paid to the non-PEO NEOs increased significantly as (1) the level of growth in CVPS resulted in
higher projected payout percentages on all outstanding performance cycles and (2) the Company&#8217;s share price increased by
39.5% during 2022. The fair value of all restricted shares outstanding used in the calculation of Compensation Actually Paid to
the PEO and Average Compensation Actually Paid to the non-PEO NEOs also increased in 2022 as a direct result of the 39.5% increase
in the Company&#8217;s share price during the year. The increase in the Company&#8217;s net income also positively correlated
with growth in compensation actually paid as net income drove the increase in CVPS. The Company&#8217;s TSR also positively correlated
with the level of compensation actually paid, though not as much as growth in CVPS, as the increase in share price partially accounted
for the increase in value in outstanding performance share and restricted shares.</span></p><div>

</div></ix:continuation><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><ix:continuation continuedAt="_TotalShareholderRtnVsPeerGroupTextBlock-c0_cont_3" id="_TotalShareholderRtnVsPeerGroupTextBlock-c0_cont_2"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">In
2021, negative growth in CVPS correlated with a decrease in compensation actually paid. For 2021, the PEO and NEOs received no
bonuses and projected payout percentages on outstanding performance share decreased from the prior year end. The decrease in the
Company&#8217;s net income also correlated with the decrease in compensation actually paid as the net loss drove the decrease
in CVPS. The Company&#8217;s TSR of 1.4% somewhat correlated with the lower level of compensation actually paid. The small increase
in the value of each restricted share and performance share outstanding was more than offset by the reduction in the projected
payout percentages on all outstanding performance share cycles due to the negative growth in CVPS.</span></p><div>

</div></ix:continuation><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><ix:continuation continuedAt="_TotalShareholderRtnVsPeerGroupTextBlock-c0_cont_4" id="_TotalShareholderRtnVsPeerGroupTextBlock-c0_cont_3"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">In
2020, strong growth in CVPS correlated with growth in compensation actually paid. For 2020, the PEO and NEOs received bonuses
of 200% of target and projected payout percentages on outstanding performance share cycles increased during the year. The increase
in the Company&#8217;s net income also positively correlated with growth in compensation actually paid as net income drove the
increase in CVPS. The Company&#8217;s TSR was not correlated with the level of compensation actually paid, as the decrease in
share price was more than offset by the increase in the projected payout percentages on all outstanding performance share cycles
due to the growth in CVPS.&#160;</span></p><div>

</div></ix:continuation><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><ix:continuation continuedAt="_TotalShareholderRtnVsPeerGroupTextBlock-c0_cont_5" id="_TotalShareholderRtnVsPeerGroupTextBlock-c0_cont_4"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
following chart provides a graphical representation of the Company&#8217;s three-year cumulative TSR versus our industry peer group,
the S&amp;P 500 Property &amp; Casualty Insurance Index.</span></p><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 31.7pt 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p></ix:continuation><div>

</div><div>

</div><ix:continuation id="_TotalShareholderRtnVsPeerGroupTextBlock-c0_cont_5"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><span style="font: 11pt Arial, Helvetica, Sans-Serif"><img alt="" src="tm231820d1_def14aimg027.jpg"/>&#160;</span></p></ix:continuation><div>




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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Pension
Benefits</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
Named Executive Officers did not participate in any defined pension plans sponsored by White Mountains in 2022.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Nonqualified
Deferred Compensation</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
Named Executive Officers did not participate in any nonqualified deferred compensation plans sponsored by White Mountains in 2022.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Potential
Payments Upon Termination or Change in Control</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Employment
and Severance Agreements</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">We
have no employment agreements with our Named Executive Officers although from time to time we have entered into short-term arrangements
with newly hired executives governing their compensation and severance for a period of up to their first three years with the
Company. See &#8220;Compensation Arrangement for Mr. Caffrey&#8221; on page 42.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Long-Term
Incentive Plans</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Under
our long-term incentive plans, certain events, such as death or disability, or the occurrence of both a change in control of the
Company (or a business unit, as applicable) and an involuntary or constructive employment termination or materially adverse amendments
to such plans, WTM restricted shares become vested and WTM performance shares become payable in full or in part. Below is a description
of the payments to which each of our Named Executive Officers would be entitled assuming in each case that such events occurred
on December 31, 2022.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><i>Voluntary
Termination of Employment</i></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Had any of our Named Executive Officers voluntarily terminated their
      employment on December 31, 2022, their unvested long-term incentive grants would have been cancelled and payments, if any, in
      respect of those cancelled grants would be made at the sole discretion of the CNG Committee.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><i>Involuntary
Termination of Employment</i></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">In
      the case of Mr. Caffrey, had he been terminated without cause on December 31, 2022, he would have been entitled to receive
      $1,525,000 and full vesting of his long-term incentives. Had
any of our other Named Executive Officers been terminated without cause on December 31, 2022, their outstanding long-term incentive
grants would have been cancelled and payments, if any, in respect of those cancelled grants would be made at the sole discretion
of the CNG Committee.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><i>Retirement</i></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Had
any of our Named Executive Officers retired on December 31, 2022, their unvested long-term incentive grants would have been cancelled
and payments, if any, in respect of those cancelled grants would be made at the sole discretion of the CNG Committee.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><i>Death
or Disability</i></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Had
any of our Named Executive Officers employed as of December 31, 2022 died or become disabled on that date, they would have been
entitled to pro rata vesting of their WTM performance shares and full vesting of their restricted shares. Under this scenario,
Messrs. Rountree, Caffrey, Campbell, Seelig, and Ms. Hildreth would have been entitled to receive $22,949,046, $2,358,883, $11,902,572,
$8,546,224 and $4,532,456, respectively.</span></p><div>





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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">For
purposes of computing the amounts above, the WTM performance shares were valued at the December 31, 2022 common share closing
market price ($1,414.33) including dividends since grant. The WTM performance shares would vest pro-rated for time and at 100%
of target; provided, that in the case of the 2020-2022 performance cycle, values are shown at actual performance of 200%. Restricted
shares were valued at the December 31, 2022 common share closing market price including dividends since grant.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><i>Change
in Control</i></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Had
both a change in control of the Company (or a business unit, as applicable) and an involuntary termination, constructive termination
or materially adverse amendments to our long-term incentive plans occurred on December 31, 2022 to any of our Named Executive
Officers employed as of that date, they would have been entitled to full vesting of their WTM performance shares at up to 200%
of target and full vesting of their restricted shares. Under this scenario, Messrs. Rountree, Caffrey, Campbell, Seelig and Ms.
Hildreth would have been entitled to receive $34,416,819, $6,832,488, $15,301,764, $13,383,269 and $7,434,683, respectively.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">For
purposes of computing the amounts above, the WTM performance shares, including the 2020-2022 performance cycle, were shown at
200% of target. The WTM performance shares were valued at the December 31, 2022 common share closing market price ($1,414.33)
including dividends since grant. Restricted shares were valued at the December 31, 2022 common share closing market price including
dividends since grant.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Our
long-term incentive plans do not provide for tax gross-ups for excess parachute payments that may result from a change in control.</span></p><div>




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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Director
Compensation</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Our
CNG Committee has adopted a compensation program for our non-employee directors that is focused on:</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 20.7pt; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 18pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">attracting
                                         and retaining highly-qualified directors with a diversity of skills, backgrounds and
                                         experiences</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 20.7pt; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 18pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">appropriately
                                         valuing the significant time and travel commitment required for our non-employee directors</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 20.7pt; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 18pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">encouraging
                                         directors&#8217; ownership of our common shares to further the alignment of their interests
                                         with those of our shareholders</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">To
that end, our non-employee director compensation program in effect for fiscal 2022 included the following elements:</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">an
                                         annual cash retainer of $135,000</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">an
                                         annual equity retainer of 225 common shares</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">an
                                         additional retainer of $100,000 and 90 common shares for our Board Chair</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">an
                                         additional cash retainer of $15,000 for all members of the Audit Committee</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#9679;</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">additional
                                         annual retainers (in addition to member retainer) of $35,000 and $25,000 for chairs of
                                         the Audit Committee and all other committees, respectively</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Our
non-employee directors are not provided with any benefits other than participating in our employee matching gift program on the
same terms as our employees, matching gifts up to $10,000 per participating individual.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">As
described in the notes to the table below, due to his extensive insurance industry expertise, Mr. Davis served on the board of
NSM Group, a subsidiary of the Company until its sale in August 2022. For his service, he received director fees, paid by NSM
Group, which are included under &#8220;All Other Compensation.&#8221;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
following table summarizes director compensation for 2022 (for directors other than Named Executive Officers):</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; background-color: white; border-collapse: collapse">
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="width: 24%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Director</span></td>
    <td style="width: 10%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 1.15in; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Fees
Paid</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> in
Cash</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> (a)
($)</span></p></td>
    <td style="width: 1%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"></td>
    <td style="width: 10%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> Stock</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> Awards</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> (b)
($)</span></p></td>
    <td style="width: 1%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="width: 10%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> Option
Awards</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> ($)</span></p></td>
    <td style="width: 1%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="width: 10%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> Non-Equity
<br/>
Incentive Plan <br/>
Compensation</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> ($)</span></p></td>
    <td style="width: 1%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="width: 10%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> Change
in <br/>
Pension Value <br/>
and Nonqualified <br/>
Deferred <br/>
Compensation <br/>
Earnings</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> ($)</span></p></td>
    <td style="width: 1%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="width: 10%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> All
Other <br/>
Compensation</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> (c)
($)</span></p></td>
    <td style="width: 1%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="width: 10%; border-top: black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 10pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> Total</span></p>
        <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> ($)</span></p></td></tr>
<tr style="vertical-align: bottom; background-color: transparent; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Peter
M. Carlson</span></p></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 185,000</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 275,414</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 10,000</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right; padding-right: 10pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 470,414</span></td></tr>
<tr style="vertical-align: bottom; background-color: #E5E5E5; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Mary
C. Choksi</span></p></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 160,000</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 275,414</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 10,000</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right; padding-right: 10pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 445,414</span></td></tr>
<tr style="vertical-align: bottom; background-color: transparent; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Morgan
    W. Davis</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 235,000</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 385,579</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> &#160;&#160;-</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 15,000</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> </span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right; padding-right: 10pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 635,579</span></td></tr>
<tr style="vertical-align: bottom; background-color: #E5E5E5; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Margaret
    Dillon</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 150,000</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 275,414</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right; padding-right: 10pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 425,414</span></td></tr>
<tr style="vertical-align: bottom; background-color: white; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Philip
    A. Gelston</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 175,000</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 275,414</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 4,250</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right; padding-right: 10pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 454,664</span></td></tr>
<tr style="vertical-align: bottom; background-color: #E7E6E6; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Suzanne
    F. Shank</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 135,000</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 275,414</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right; padding-right: 10pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 410,414</span></td></tr>
<tr style="vertical-align: bottom; background-color: transparent; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">David
    A. Tanner</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 150,000</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 275,414</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> -</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.6pt; padding-bottom: 0.5pt; text-align: right; padding-right: 10pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"> 425,414</span></td></tr>
</table><div>
</div><p style="margin-top: 0; margin-bottom: 0">&#160;</p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(a)</span></td><td style="padding-right: 40.7pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Mr.
                                         Rountree does not receive any additional compensation for his role as a director. Non-management
                                         directors receive an annual cash retainer of $135,000. Additional retainers in the following
                                         amounts are provided to those directors serving in the following roles: Chairman of the
                                         Board ($100,000), Chairman of the Audit Committee ($35,000), Chairman of any other Board
                                         committee ($25,000) and members of the Audit Committee ($15,000). Retainers were all
                                         paid in cash. Retainers relate to the period from May 2022 to May 2023, inclusive, and
                                         are typically pro-rated for partial year service.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="font: 11pt Arial, Helvetica, Sans-Serif; width: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(b)</span></td><td style="padding-right: 40.7pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">On
                                         May 26, 2022, all non-management directors received an annual grant of 225 common shares.
                                         Mr. Davis received an additional 90 common shares for his role as Chairman of the Board.
                                         All common shares issued were valued at $1,224.06 per share, the market price on the
                                         date the shares were granted.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(c)</span></td><td style="padding-right: 40.7pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Amounts
                                         shown for Messrs. Carlson, Choksi and Gelston represent matching payments from a company-sponsored
                                         charitable gift program. Amount shown for Mr. Davis represents $15,000 in director fees
                                         paid to him by NSM Group prior to its sale in August 2022.</span></td></tr></table><div>





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</div><div><a id="a009"></a></div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">CEO
PAY RATIO</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>CEO
Pay Ratio</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Below
is (i) the 2022 annual total compensation of our CEO; (ii) the 2022 annual total compensation of our median employee; (iii) the
ratio of the annual total compensation of our CEO to that of our median employee, and (iv) the methodology we used to calculate
our CEO pay ratio:</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 50%; border-collapse: collapse; margin-left: auto; margin-right: auto;">
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="width: 40%; border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 4pt; padding-bottom: 4pt; text-align: justify"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">CEO
    Annual Total Compensation</span></td>
    <td style="width: 10%; border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 4pt; padding-bottom: 4pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$7,191,754</span></td></tr>
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 4pt; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Median
    Employee Annual Total Compensation</span></td>
    <td style="padding-top: 4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$71,238</span></td></tr>
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 4pt; padding-bottom: 4pt; font: 11pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">CEO
    to Median Employee Pay Ratio</span></td>
    <td style="padding-top: 4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding-bottom: 4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">101:1</span></td></tr>
</table><div>
</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Methodology</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Our
CEO pay ratio is a reasonable estimate calculated in a manner consistent with SEC rules. Our methodology is explained below:</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">(1)</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Determined
                                            Employee Population.</b> We began with our global employee population as of December 31,
                                            2022, including full-time and part-time workers employed by our Company and consolidated
                                            subsidiaries, but excluding our CEO.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">(2)</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Identified
                                            the Median Employee.</b> To identify the median employee, we calculated compensation for
                                            each employee using (i) annual base salary including estimated overtime pay as of December
                                            31, 2022, (ii) cash incentives earned in 2022, (iii) WTM performance shares and WTM performance
                                            units vested on December 31, 2022, and (iv) WTM restricted shares vested on January 1, 2023.
                                            Compensation paid in foreign currency was translated to the U.S. dollar equivalent based
                                            on foreign exchange rates as of December 31, 2022.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">(3)</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Calculated
                                         CEO Pay Ratio.</b> We calculated our median employee&#8217;s annual total compensation
                                         for 2022 in accordance with SEC rules for preparing the Summary Compensation Table. We
                                         compared the median employee&#8217;s compensation to our CEO&#8217;s annual total compensation
                                         in the Summary Compensation Table to determine the pay ratio shown above.</span></td></tr></table><div>




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</div><div><a id="a010"></a></div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">TRANSACTIONS
WITH RELATED PERSONS, PROMOTERS AND CERTAIN CONTROL PERSONS</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Review,
Approval or Ratification of Transactions with Related Persons</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
Company&#8217;s Audit Committee Charter states that the Audit Committee shall approve any related or affiliated person transactions
and review disclosures thereof. In determining whether to approve or reject a related person transaction, the Audit Committee
takes into account, among other factors it deems appropriate, whether the proposed transaction is on terms no less favorable than
terms generally available to an unaffiliated third-party under the same or similar circumstances and the extent of the related
persons&#8217; economic interest in the transaction. For purposes of Audit Committee approval, a related person transaction is
defined as any transaction that is required to be reported under Item 404 of SEC Regulation S-K.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.5in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.5in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">During
2022, there were no Transactions with Related Persons that required Audit Committee approval.</span></p><div>




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</div><div><a id="a011"></a></div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">EQUITY
COMPENSATION PLAN INFORMATION</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
following table provides information as of December 31, 2022, with respect to the common shares that may be issued under the Company&#8217;s
existing incentive compensation plans. Performance shares awarded under the WTM Incentive Plan are typically paid in cash, though
they may be paid in the Company&#8217;s common shares at the election of the Compensation/ Nominating &amp; Governance Committee.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.5in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="width: 30%; border-top: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.45pt; padding-bottom: 0.3pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="width: 22%; border-top: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.45pt; padding-bottom: 0.3pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1)</span></td>
    <td style="width: 1%; border-top: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.45pt; padding-bottom: 0.3pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="width: 21%; border-top: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.45pt; padding-bottom: 0.3pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(2)</span></td>
    <td style="width: 1%; border-top: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.45pt; padding-bottom: 0.3pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="width: 25%; border-top: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.45pt; padding-bottom: 0.3pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(3)</span></td></tr>
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.45pt; padding-bottom: 0.3pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Plan
    category</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.45pt; padding-bottom: 0.3pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> Number
    of securities that may  <br/>
be issued upon exercise or <br/>
vesting of outstanding options, <br/>
warrants and rights at target</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.45pt; padding-bottom: 0.3pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.45pt; padding-bottom: 0.3pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Weighted
average exercise <br/>
price of outstanding options, <br/>
warrants and rights</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.45pt; padding-bottom: 0.3pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.45pt; padding-bottom: 0.3pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Number
of securities remaining <br/>
available for future issuance under <br/>
equity compensation plans <br/>
(excluding securities reflected
in <br/>
column (1))</span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 0.45pt; padding-bottom: 0.3pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Equity
    compensation plans approved by security holders - WTM Incentive Plan:</span></td>
    <td style="padding-top: 0.45pt; padding-bottom: 0.3pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="padding-top: 0.45pt; padding-bottom: 0.3pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="padding-top: 0.45pt; padding-bottom: 0.3pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="padding-top: 0.45pt; padding-bottom: 0.3pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; text-align: right; vertical-align: bottom"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> 64,018
(a)</span></p></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="padding-top: 0.45pt; padding-bottom: 0.3pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="padding-top: 0.45pt; padding-bottom: 0.3pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="padding-top: 0.45pt; padding-bottom: 0.3pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="padding-top: 0.45pt; padding-bottom: 0.3pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="padding-top: 0.45pt; padding-bottom: 0.3pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="padding-top: 0.45pt; padding-bottom: 0.3pt; font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td></tr>
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.45pt; padding-bottom: 0.3pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Performance
    shares</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.45pt; padding-bottom: 0.3pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> 40,050
    (b)</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.45pt; padding-bottom: 0.3pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.45pt; padding-bottom: 0.3pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;0</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.45pt; padding-bottom: 0.3pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-top: 0.45pt; padding-bottom: 0.3pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></td></tr>
</table><div>
</div><p style="margin-top: 0; margin-bottom: 0">&#160;</p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(a)</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Represents
                                         the amount of WTM shares available for issuance at target under the WTM Incentive Plan
                                         as of December 31, 2022. To the extent granted as WTM performance shares, such shares
                                         could be earned at 0x to 2x the target number granted and, although typically in cash,
                                         may be paid in WTM common shares at the discretion of the Compensation/Nominating &amp;
                                         Governance Committee. As of April 1, 2023, 53,067 common shares remained available for
                                         issuance.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(b)</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Represents
                                         the target amount of WTM performance shares outstanding as of December 31, 2022, which
                                         includes 13,350 target performance shares for the 2020-2022 performance cycle that were
                                         settled in March 2023.</span></td></tr></table><div>




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    </div><!-- Field: /Page --><div>

</div><div><a id="a012"></a></div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">AUDIT
COMMITTEE REPORT</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">In
connection with the audit of the Company&#8217;s financial statements for the year ended December 31, 2022, the Audit Committee
has: (1) reviewed and discussed with management and PwC the Company&#8217;s audited financial statements for the year ended December
31, 2022, management&#8217;s assessment of the effectiveness of the Company&#8217;s internal control over financial reporting
and PwC&#8217;s audit of the Company&#8217;s internal control over financial reporting; (2) reviewed and discussed with PwC the
applicable requirements of the Public Company Accounting Oversight Board (&#8220;PCAOB&#8221;) and the SEC; and (3) received the
written disclosures and the letter from PwC required by the applicable PCAOB rules and discussed with PwC their independence.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Based
on these reviews and discussions, the Audit Committee determined that the non-audit fees billed by PwC for services performed
in 2022 and 2021 (as presented herein) are compatible with maintaining their independence. Further, the Audit Committee recommended
to the Board that the audited financial statements be included in the Annual Report on Form 10-K for filing with the SEC and for
presentation to Shareholders at the 2023 Annual Meeting.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Management
is responsible for the preparation, presentation and integrity of the Company&#8217;s consolidated financial statements as well
as for establishing and maintaining adequate internal control over financial reporting. The Company&#8217;s independent registered
public accounting firm, PwC, is responsible for expressing its opinion on the conformity of the Company&#8217;s audited financial
statements with Generally Accepted Accounting Principles (&#8220;GAAP&#8221;). In addition, PwC is responsible for expressing
its opinion on the effectiveness of the Company&#8217;s internal control over financial reporting. It is not the duty of the Audit
Committee to plan or conduct audits or to determine that the Company&#8217;s financial statements are complete and accurate and
in accordance with GAAP; that, as described above, is the responsibility of management and PwC. In giving its recommendation to
the Board, the Audit Committee has relied on (1) management&#8217;s representation that such financial statements have been prepared
with integrity and objectivity and in conformity with GAAP and (2) the reports of PwC with respect to such financial statements.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
Audit Committee has established a Charter which outlines its primary duties and responsibilities. The Audit Committee Charter,
which has been approved by the Board, is reviewed at least annually, is updated as necessary and is available for viewing at <i>www.whitemountains.com</i>.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.5in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.2in; text-indent: -2.2in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Peter
M. Carlson, Chair</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Margaret
Dillon</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Philip
A. Gelston</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">David
A. Tanner</span></p><div>




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    </div><div style="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><p style="margin: 0pt">&#160;</p></div><div>
    </div><!-- Field: /Page --><div>

</div><div><a id="a013"></a></div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">PRINCIPAL
ACCOUNTANT FEES AND SERVICES</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
Audit Committee, pursuant to its policy, pre-approves the scope and fees for all services performed by PwC. Annually, the Audit
Committee receives and pre-approves a written report from PwC describing the elements expected to be performed in the course of
its audit of the Company&#8217;s financial statements. All other audit, audit-related and non-audit-related services rendered
by PwC also require pre-approval, which may be granted in accordance with the provisions of the policy either (a) at a meeting
of the full Audit Committee, (b) on an interim basis by the Chairman of the Audit Committee, provided that the requested services
are not expressly prohibited and are ratified by the full Audit Committee at its next regularly scheduled meeting, or (c) on a
per-project basis through specific compliance with pre-approved definitions of services that do not exceed per-project limits
established by the Audit Committee, provided that any such services are authorized by the Company&#8217;s General Auditor or his/her
designee and that the General Auditor makes a full report of all services pre-approved per the policy at the next regularly scheduled
Committee meeting.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">It
is the intent of the policy to assure that PwC&#8217;s performance of audit, audit-related and non-audit-related services are
consistent with all applicable rules on auditor independence. As such, services expressly prohibited by the Audit Committee under
its policy include bookkeeping or other services related to the accounting records or financial statements of the Company or its
subsidiaries; financial information systems design and implementation; appraisal and valuation services; fairness opinions; contribution-in-kind
reports; certain actuarial services; internal audit outsourcing services; management functions; human resources; broker-dealer,
investment advisor or investment banking services; legal services; and expert services unrelated to the audit. All services performed
by PwC during 2022 and 2021 were pre-approved in accordance with the policy described above.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
services performed by PwC in 2022 and 2021 are described below. PwC does not provide any services to the Company that are prohibited
under applicable laws and regulations, such as financial information systems design and implementation. From time to time, PwC
may perform permissible consulting services for the Company, provided they have been pre-approved in accordance with the policy
described above. To the extent consulting services are provided by PwC, they are closely monitored and controlled by both management
and the Audit Committee to ensure that their nature and extent do not interfere with the independence of PwC. The independence
of PwC is also considered annually by the Audit Committee.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
following table sets forth the approximate aggregate fees billed by PwC for professional services provided in 2022 and 2021:</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.5in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 70%; font: 11pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; margin-left: auto; margin-right: auto;">
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="width: 40%; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"> </span></td>
    <td style="width: 15%; font: 11pt Arial, Helvetica, Sans-Serif; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><span style="text-decoration:underline">2022</span><sup>(e)</sup></span></td>
    <td style="width: 15%; font: 11pt Arial, Helvetica, Sans-Serif; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><span style="text-decoration:underline">2021</span><sup>(e)</sup></span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif">&#160;</td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; text-align: center">&#160;</td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; text-align: center">&#160;</td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Audit
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    <td style="font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">$&#160;&#160;4,601,941</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">$&#160;&#160;5,454,328</span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif">&#160;</td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; text-align: right">&#160;</td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; text-align: right">&#160;</td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Audit-Related
    Fees <sup>(b)</sup> </span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"> 685,000</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160; 588,750</span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif">&#160;</td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; text-align: right">&#160;</td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; text-align: right">&#160;</td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Tax
    Fees <sup>(c)</sup></span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;683,243</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;364,922</span></td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif">&#160;</td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; text-align: right">&#160;</td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; text-align: right">&#160;</td></tr>
<tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">All
    Other Fees <sup>(d)</sup> </span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">6,473</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">8,370</span></td></tr>
</table><div>

</div><p style="margin-top: 0; margin-bottom: 0">&#160;</p><div>
</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(a)</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The
                                         fees in this category were for professional services rendered in connection with (1)
                                         the audits of the Company&#8217;s annual financial statements, including the Company&#8217;s
                                         internal control over financial reporting, included in the Company&#8217;s Annual Report
                                         on Form 10-K, (2) the review of the Company&#8217;s quarterly financial statements included
                                         in its Quarterly Reports on Form 10-Q, (3) audits of the Company&#8217;s subsidiaries,
                                         and (4) services that generally only the Company&#8217;s independent registered public
                                         accounting firm reasonably can provide, such as comfort letters and consents.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(b)</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The
                                         fees in this category were for professional services rendered in connection with (1)
                                         accounting and reporting consultations related to certain transactions and (2) services
                                         in connection with certain transactions.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(c)</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The
                                         fees in this category were for professional services rendered in connection with tax
                                         strategy assistance and tax compliance services.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(d)</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The
                                         fees in this category were for access to PwC&#8217;s proprietary technical accounting
                                         research and financial statement disclosure software tools.</span></td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"></td><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(e)</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The
                                         fees reported include expense reimbursements of $173,980 and $173,494 in 2022 and 2021,
                                         respectively.</span></td></tr></table><div>




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    </div><!-- Field: /Page --><div>

</div><div><a id="a014"></a></div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>PROPOSAL
2</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">ADVISORY
VOTE ON EXECUTIVE COMPENSATION</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Pursuant
to Section 14A of the Securities Exchange Act of 1934, in this Proposal 2 we are asking you to provide approval, on an advisory
basis, of the compensation of the named executive officers as disclosed in the section of this proxy statement titled &#8220;Executive
Compensation.&#8221; You are being asked to vote on the following advisory resolution:</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 1in 0pt 0.5in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">RESOLVED,
that the compensation paid to the Company&#8217;s named executive officers, as disclosed in the Company&#8217;s proxy statement
dated April 5, 2023, pursuant to Item 402 of Regulation S-K, including the Compensation Discussion &amp; Analysis, compensation
tables and narrative discussion, is hereby APPROVED.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 1in 0pt 0.5in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
Board of Directors believes that the compensation policies and practices described in the Compensation Discussion &amp; Analysis are
effective in achieving the Company&#8217;s primary goal of creating superior growth in our values per share over long periods of time,
as well as motivating and retaining our key executives. The compensation of our named executive officers is heavily weighted toward variable
long-term compensation, the value of which is tied to performance over a number of years.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">We
urge you to read the Compensation Discussion &amp; Analysis, beginning on page 29 of this proxy statement, as well as the 2022
summary compensation table and related compensation tables and narrative, beginning on page 44, which provide detailed information
on the Company&#8217;s compensation policies and practices and the compensation of our named executive officers.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Although
the vote is non-binding, the Board of Directors and the Compensation/Nominating &amp; Governance Committee will review and consider
the voting results when evaluating our executive compensation program.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>The
Board recommends a vote FOR Proposal 2 which calls for the approval of the advisory resolution on executive compensation. </b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><div><a id="a015"></a></div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>PROPOSAL
3</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">ADVISORY
VOTE ON THE FREQUENCY OF FUTURE ADVISORY VOTES ON EXECUTIVE COMPENSATION</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Pursuant
to Section 14A of the Securities Exchange Act of 1934, in this Proposal 3 we are required to ask you to vote on whether future
advisory votes on named executive officer compensation should occur every year, every two years or every three years.&#160; You
are able to specify one of four choices on your proxy card: 1YR, 2YRS, 3YRS or ABSTAIN.&#160; You are not voting to approve or
disapprove the Board&#8217;s recommendation.&#160; This advisory vote on the frequency of future advisory votes on executive compensation
is non-binding.&#160; The Company currently holds annual, non-binding, advisory votes on executive compensation.&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
Board understands that there are differing views as to what is an appropriate frequency for advisory votes on executive compensation.&#160;
Based on shareholder feedback, we believe that a significant portion of our investors would prefer an annual advisory vote on executive
compensation. After careful consideration, the Board is recommending that you vote for holding the advisory vote on executive compensation
every year. We expect the next advisory vote on executive compensation following our 2023 Annual General Meeting to take place at our
2024 Annual General Meeting.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>The
Board recommends that you vote for the option &#8220;1YR&#8221; for the frequency of future advisory votes on executive compensation.</b></span></p><div>




</div><!-- Field: Page; Sequence: 40; Value: 20 --><div>
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</div><div><a id="a016"></a></div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>PROPOSAL
4</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">APPROVAL
OF THE APPOINTMENT OF</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">INDEPENDENT
REGISTERED PUBLIC ACCOUNTING FIRM FOR 2023</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Subject
to Shareholder approval, the Audit Committee of the Board has appointed PwC as the Company&#8217;s independent registered public
accounting firm for 2023. Further, Shareholders are being asked to authorize the Audit Committee to negotiate and fix the remuneration
to be paid to PwC in connection with its service. Representatives from PwC will attend the 2023 Annual Meeting, will be provided
with the opportunity to make a statement and will be available to answer appropriate questions.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b> The
Board recommends a vote FOR Proposal 4 approving the appointment of PwC as the Company&#8217;s Independent Registered Public Accounting
Firm for 2023.</b> </span></p><div>




</div><!-- Field: Page; Sequence: 41; Value: 20 --><div>
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</div><div><a id="a017"></a></div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>OTHER
MATTERS</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Manner
of Voting Proxies</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Common
shares represented by all valid proxies received will be voted in the manner specified in the proxies. Where specific choices
are not indicated, the common shares represented by all valid proxies received will be voted in accordance with the Board&#8217;s
recommendation for each of the proposals named earlier in this Proxy Statement.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">In
the case of common shares held in employee benefit plans, the trustee will typically vote all common shares within such plans
in direct proportion to those common shares actually voted by plan participants.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Should
any matter not described above be acted upon at the meeting, the persons named in the proxy card will vote in accordance with
their judgment. The Board knows of no other matters which are to be considered at the 2023 Annual Meeting.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Votes
Required for Approval</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">With
respect to the election of directors, the nominees will be elected if the number of votes cast &#8220;for&#8221; such nominee
exceeds the number of votes cast &#8220;against&#8221; that nominee. If an incumbent director in an uncontested election receives
less than a simple majority of votes cast &#8220;for&#8221; that director, the director is required to submit a letter of resignation
to the Board of Directors, which the Board may either accept or reject in accordance with the Company&#8217;s Bye-laws. The majority
vote standard is not applicable to contested director elections, which are determined by a plurality of the votes cast. A plurality
of votes cast means that the nominee receiving the highest number of affirmative votes is elected, irrespective of how small the
number of affirmative votes is in comparison to the total number of shares voted. The other proposals require the affirmative
vote of a majority of the voting power held by holders of common shares present at the 2023 Annual General Meeting, in person
or by proxy, provided a quorum is present.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Broker
discretionary voting is permitted only for the proposed ratification of the selection of the Company&#8217;s independent registered
public accounting firm. Broker non-votes and abstentions will not be counted as votes cast for or against any of the items presented.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Inspectors
of Election</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Computershare
Trust Company, N.A., 480 Washington Boulevard, 26<sup>th</sup> Floor, Jersey City, New Jersey 07310, has been appointed as Inspectors
of Election for the 2023 Annual Meeting. Representatives of Computershare will attend the Annual Meeting and receive votes and
ballots, supervise the counting and tabulating of all votes and ballots and determine the results of the vote.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Costs
of Solicitation</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
solicitation of proxies will be made primarily by mail; however, directors, officers, employees and agents of the Company may
also solicit proxies by telephone, internet or personal interview. Solicitation costs will be paid by the Company. Upon request,
the Company will reimburse banks, brokerage houses and other custodians, nominees and fiduciaries for their reasonable expenses
incurred in forwarding proxy materials to their principals.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Delivery
of Documents to Shareholders Sharing an Address</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">SEC
regulations permit a single set of the Annual Report and Proxy Statement to be sent to any household at which two or more shareholders
reside if they appear to be members of the same family. Each Shareholder will continue to receive a separate proxy card. This
procedure, referred to as house-holding, reduces the volume of duplicate information shareholders receive and reduces our mailing
and printing costs. Those Shareholders who desire additional copies of this document or would like to receive separate copies
of this document in the future should contact their bank, broker or other holder of record or the Corporate Secretary at the address
presented under &#8220;Available Information&#8221; below.</span></p><div>




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</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Available
Information</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
Company is subject to the informational reporting requirements of the Exchange Act. In accordance therewith, the Company files
reports, proxy statements and other information with the SEC. <b>The Company will provide to any Shareholder, upon request and
without charge, copies of all documents (excluding exhibits unless specifically requested) filed by the Company with the SEC as
well as the Charter of any of the Company&#8217;s various committees of the Board. Written or telephone requests should be directed
to the Corporate Secretary, White Mountains Insurance Group, Ltd., A.S. Cooper Building, 26 Reid Street, Hamilton HM 11, Bermuda,
telephone number (441) 278-3160. Additionally, all such documents are physically available at the Company&#8217;s registered office
at Clarendon House, 2 Church Street, Hamilton HM 11, Bermuda and are available at <i>www.whitemountains.com</i> shortly after
such material is electronically filed with or furnished to the SEC.</b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 25.95pt 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Non-GAAP
Measures </i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 25.95pt 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 25.9pt 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Information
regarding the calculation of non-GAAP financial measures contained in this proxy statement can be found in Annex A: Reconciliation
of Non-GAAP Measures.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 25.9pt 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 25.9pt 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Availability
of Proxy Materials </i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 25.9pt 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Proxy
materials for the 2023 Annual General Meeting, including the Chief Executive Officer&#8217;s Letter, Notice of 2023 Annual General
Meeting of Members and Proxy Statement and the 2022 Management Report are available online for viewing and downloading at: www.edocumentview.com/wtm.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Offices
of the Company</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
Company&#8217;s headquarters is located at A.S. Cooper Building, 26 Reid Street, Hamilton HM 11, Bermuda, its principal executive
office is located at 23 South Main Street, Suite 3B, Hanover, New Hampshire 03755, and its registered office is located at Clarendon
House, 2 Church Street, Hamilton HM 11, Bermuda.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Proposals
by Shareholders for the 2024 Annual Meeting of Members</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Shareholder
proposals (other than proposals nominating director candidates for which the procedures for are outlined on page 22) must be received
in writing by the Secretary of the Company no later than Wednesday, December 6, 2023 and must comply with the requirements of
SEC Rule 14a-8 promulgated under the Securities Exchange Act in order to be considered for inclusion in the Company&#8217;s proxy
statement relating to the Annual Meeting to be held in 2024.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">By
Order of the Board of Directors,</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><i>Jennifer
L. Moyer,&#160;</i></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Corporate
Secretary</span></p><div>




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</div><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif">
<tr style="font: 11pt Arial, Helvetica, Sans-Serif">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif"></td></tr>
</table><div>


</div><p style="margin: 0; font: 11pt Arial, Helvetica, Sans-Serif">&#160;</p><div>

</div><div><a id="a018"></a></div><p style="margin-top: 0; text-align: center; margin-bottom: 0; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: rgb(48,116,181)"><b><i>ANNEX
A: NON-GAAP RECONCILIATIONS</i></b></span></p><div>

</div><p style="margin: 0; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="margin: 0; font: 11pt Arial, Helvetica, Sans-Serif; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Our
2023 Proxy Statement includes certain non-GAAP financial measures that we believe provide informationuseful to investors in assessing
our financial condition and results of operations. There can be no assurancethat our basis for computing these non-GAAP measures
is comparable with that of other companies.</span></p><div>

</div><p style="margin: 0; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><div>

</div><p style="margin: 0; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: rgb(48,116,181)"><i>Reconcilation
of GAAP book value per share to Adjusted Book Value Per Share&#160;</i></span></p><div>

</div><p style="margin: 0; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Refer
to page 41 in White Mountains&#8217;s 2022 Form 10-K</span></p><div>

</div><!-- Field: Rule-Page --><div style="margin-top: 3pt; margin-bottom: 3pt; text-align: LEFT;"><div style="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&#160;</div></div><!-- Field: /Rule-Page --><div>

</div><p style="margin: 0; font: 11pt Arial, Helvetica, Sans-Serif"></p><div>

</div><p style="margin: 0; font: 11pt Arial, Helvetica, Sans-Serif">&#160;</p><div>

</div><p style="margin: 0; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: rgb(48,116,181)"><i>Reconciliation
from growth in ABVPS to growth in Intrinsic Value Per Share (&#8220;IVPS&#8221;)</i></span></p><div>

</div><p style="margin: 0; font: 11pt Arial, Helvetica, Sans-Serif">&#160;</p><div>

</div><p style="margin: 0; font: 11pt Arial, Helvetica, Sans-Serif"></p><div>

</div><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Arial, Helvetica, Sans-Serif">
<tr style="vertical-align: bottom">
    <td><span style="font-weight: normal; font-style: normal">&#160;</span></td><td style="font-weight: bold"><span style="font-weight: normal; font-style: normal">&#160;</span></td>
    <td colspan="10" style="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><span style="font-weight: normal; font-style: normal">Years ended December 31,</span></td><td><span style="font-weight: normal; font-style: normal">&#160;</span></td></tr>
<tr style="vertical-align: bottom">
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    <td colspan="2" style="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><span style="font-weight: normal; font-style: normal">2022</span></td><td style="font-weight: bold; text-align: center; padding-bottom: 1pt"><span style="font-weight: normal; font-style: normal">&#160;</span></td><td style="font-weight: bold; text-align: center; padding-bottom: 1pt"><span style="font-weight: normal; font-style: normal">&#160;</span></td>
    <td colspan="2" style="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><span style="font-weight: normal; font-style: normal">2021</span></td><td style="font-weight: bold; text-align: center; padding-bottom: 1pt"><span style="font-weight: normal; font-style: normal">&#160;</span></td><td style="font-weight: bold; text-align: center; padding-bottom: 1pt"><span style="font-weight: normal; font-style: normal">&#160;</span></td>
    <td colspan="2" style="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><span style="font-weight: normal; font-style: normal">2020</span></td><td style="font-weight: bold; text-align: center; padding-bottom: 1pt"><span style="font-weight: normal; font-style: normal">&#160;</span></td></tr>
<tr style="vertical-align: bottom">
    <td style="width: 55%; font-weight: bold"><span style="font-weight: normal; font-style: normal; color: rgb(48,116,181)">ABVPS,
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    <td style="width: 1%; font-weight: bold; text-align: left"><span style="font-weight: normal; font-style: normal">&#160;</span></td><td style="width: 12%; font-weight: bold; text-align: right"><span style="font-weight: normal; font-style: normal">25.7%</span></td><td style="width: 1%; font-weight: bold; text-align: left"><span style="font-weight: normal; font-style: normal">&#160;</span></td><td style="width: 1%; font-weight: bold"><span style="font-weight: normal; font-style: normal">&#160;</span></td>
    <td style="width: 1%; font-weight: bold; text-align: left"><span style="font-weight: normal; font-style: normal">&#160;</span></td><td style="width: 12%; font-weight: bold; text-align: right"><span style="font-weight: normal; font-style: normal">-5.7%</span></td><td style="width: 1%; font-weight: bold; text-align: left"><span style="font-weight: normal; font-style: normal">&#160;</span></td><td style="width: 1%; font-weight: bold"><span style="font-weight: normal; font-style: normal">&#160;</span></td>
    <td style="width: 1%; font-weight: bold; text-align: left"><span style="font-weight: normal; font-style: normal">&#160;</span></td><td style="width: 12%; font-weight: bold; text-align: right"><span style="font-weight: normal; font-style: normal">24.2%</span></td><td style="width: 1%; font-weight: bold; text-align: left"><span style="font-weight: normal; font-style: normal">&#160;</span></td></tr>
<tr style="vertical-align: bottom">
    <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.25in"><span style="font-weight: normal; font-style: normal">change
    in franchise value step-ups</span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-weight: normal; font-style: normal">&#160;</span></td>
    <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; border-bottom: Black 1pt solid"><span style="font-weight: normal; font-style: normal">&#160;</span></td><td style="font-weight: bold; text-align: right; border-bottom: Black 1pt solid"><span style="font-weight: normal; font-style: normal">-3.3%</span></td><td style="font-weight: bold; text-align: left; padding-bottom: 1pt"><span style="font-weight: normal; font-style: normal">&#160;</span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-weight: normal; font-style: normal">&#160;</span></td>
    <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; border-bottom: Black 1pt solid"><span style="font-weight: normal; font-style: normal">&#160;</span></td><td style="font-weight: bold; text-align: right; border-bottom: Black 1pt solid"><span style="font-weight: normal; font-style: normal">8.9%</span></td><td style="font-weight: bold; text-align: left; padding-bottom: 1pt"><span style="font-weight: normal; font-style: normal">&#160;</span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-weight: normal; font-style: normal">&#160;</span></td>
    <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; border-bottom: Black 1pt solid"><span style="font-weight: normal; font-style: normal">&#160;</span></td><td style="font-weight: bold; text-align: right; border-bottom: Black 1pt solid"><span style="font-weight: normal; font-style: normal">-0.4%</span></td><td style="font-weight: bold; text-align: left; padding-bottom: 1pt"><span style="font-weight: normal; font-style: normal">&#160;</span></td></tr>
<tr style="vertical-align: bottom">
    <td style="font-weight: bold"><span style="font-weight: normal; font-style: normal; color: rgb(48,116,181)">IVPS</span></td><td style="font-weight: bold"><span style="font-weight: normal; font-style: normal">&#160;</span></td>
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<p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-size: 1pt; color: White">+ Please sign exactly as name(s)
appears hereon. Joint owners should each sign. When signing as attorney, executor, administrator, corporate officer, trustee, guardian,
or custodian, please give full title. Date (mm/dd/yyyy)  Please print date below. Signature 1  Please keep signature within
the box. Signature 2  Please keep signature within the box. B Authorized Signatures  This section must be completed for
your vote to count. Please date and sign below. qIF VOTING BY MAIL, SIGN, DETACH AND RETURN THE BOTTOM PORTION IN THE ENCLOSED ENVELOPE.q
2023 Annual Meeting Proxy Card A Proposals  The Board of Directors recommends a vote FOR all the nominees listed and FOR Proposals
2, 4 and 1 YEAR on Proposal 3. 2. Approval of the advisory resolution on executive compensation. 3. Advisory vote on the frequency of
future advisory votes on executive compensation; EVERY; 1. Election of Class II Directors to a term ending in 2026: For Against Abstain
You may vote online or by phone instead of mailing this card. Online Go to www.envisionreports.com/WTM or scan the QR code  login
details are located in the shaded bar below. Save paper, time and money! Sign up for electronic delivery at www.envisionreports.com/WTM
Phone Call toll free 1-800-652-VOTE (8683) within the USA, US territories and Canada Votes submitted electronically must be received
by 11:59 p.m., Eastern Time, on May 24, 2023. Your vote matters  heres how to vote!</span>&#160;</p><div>
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Help the environment by consenting to receive electronic delivery, sign up at www.envisionreports.com/WTM Notice of the 2023 Annual Meeting
of Shareholders G. Manning Rountree and Jennifer L. Moyer, or either of them, each with the full power of substitution, are hereby authorized
to represent and vote all Common Shares of the undersigned at the 2023 Annual General Meeting of Shareholders to be held at on Thursday,
May 25, 2023, at 8:00 a.m., Atlantic Time at Rosewood Bermuda Hotel, 60 Tuckers Point Drive, Hamilton Parish, Bermuda and any
adjournment thereof. Shares represented by this proxy will be voted by the proxy holders subject to any directions indicated on the reverse
of this card. If no such directions are indicated, the proxy holders will have authority to vote FOR the election of all director nominees
and FOR proposals 2, 4 and 1 YEAR on proposal 3. In their discretion, the proxy holders are authorized to vote upon such other business
as may properly come before the meeting. (Items to be voted appear on reverse side) White Mountains Insurance Group, Ltd. qIF VOTING
BY MAIL, SIGN, DETACH AND RETURN THE BOTTOM PORTION IN THE ENCLOSED ENVELOPE.q Change of Address  Please print new address below.
Comments  Please print your comments below. C Non-Voting Items +&#160;</span></p>
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M. Yi 02 - Mary C. Choksi 03 - Weston M. Hicks For Against Abstain For Against Abstain For Against Abstain 4. Approval of the appointment
of PricewaterhouseCoopers LLP (PwC) as the Companys Independent Registered Public Accounting Firm for 2023. For
Against Abstain 1 Year 2 Years 3 Years Abstain Using a black ink pen, mark your votes with an X as shown in this example. Please do not
write outside the designated areas. 03QZPC + + Please sign exactly as name(s) appears hereon. Joint owners should each sign. When signing
as attorney, executor, administrator, corporate officer, trustee, guardian, or custodian, please give full title. Date (mm/dd/yyyy)
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<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>2
<FILENAME>wtm-20221231.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
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<!-- Created: Thu Apr 06 08:41:15 UTC 2023 -->
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<DOCUMENT>
<TYPE>EX-101.DEF
<SEQUENCE>3
<FILENAME>wtm-20221231_def.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION DEFINITION LINKBASE
<TEXT>
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<!-- Generated by CompSci Transform (tm) - http://www.compsciresources.com -->
<!-- Created: Thu Apr 06 08:41:15 UTC 2023 -->
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    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="ecd_AllAdjToCompMember" xlink:to="wtm_SummaryCompensationTableOfStockAwardGrantedInCoveredYearMember" order="1" xbrldt:closed="true"/>
    <loc xlink:type="locator" xlink:label="wtm_YearendValueForStockAwardGrantedInTheCoveredYearMember" xlink:href="wtm-20221231.xsd#wtm_YearendValueForStockAwardGrantedInTheCoveredYearMember"/>
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="ecd_AllAdjToCompMember" xlink:to="wtm_YearendValueForStockAwardGrantedInTheCoveredYearMember" order="2" xbrldt:closed="true"/>
    <loc xlink:type="locator" xlink:label="wtm_ChangeInFairValueOfUnvestedStockAwardsPriorYearThatRemainUnvestedMember" xlink:href="wtm-20221231.xsd#wtm_ChangeInFairValueOfUnvestedStockAwardsPriorYearThatRemainUnvestedMember"/>
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="ecd_AllAdjToCompMember" xlink:to="wtm_ChangeInFairValueOfUnvestedStockAwardsPriorYearThatRemainUnvestedMember" order="3" xbrldt:closed="true"/>
    <loc xlink:type="locator" xlink:label="wtm_ChangeInFairValueOfStockAwardsFromPriorYearThatVestedInCoveredYearMember" xlink:href="wtm-20221231.xsd#wtm_ChangeInFairValueOfStockAwardsFromPriorYearThatVestedInCoveredYearMember"/>
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="ecd_AllAdjToCompMember" xlink:to="wtm_ChangeInFairValueOfStockAwardsFromPriorYearThatVestedInCoveredYearMember" order="4" xbrldt:closed="true"/>
  </definitionLink>
  <definitionLink xlink:type="extended" xlink:role="http://www.whitemountains.com/role/AdditionalDimensions"/>
</linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>4
<FILENAME>wtm-20221231_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII"?>
<!-- Generated by CompSci Transform (tm) - http://www.compsciresources.com -->
<!-- Created: Thu Apr 06 08:41:15 UTC 2023 -->
<linkbase xmlns="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
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    <loc xlink:type="locator" xlink:label="wtm_ChangeInFairValueOfUnvestedStockAwardsPriorYearThatRemainUnvestedMember" xlink:href="wtm-20221231.xsd#wtm_ChangeInFairValueOfUnvestedStockAwardsPriorYearThatRemainUnvestedMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="wtm_ChangeInFairValueOfUnvestedStockAwardsPriorYearThatRemainUnvestedMember_lbl" xml:lang="en-US">Change in Fair Value of Unvested Stock Awards prior Year that Remain Unvested [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="wtm_ChangeInFairValueOfUnvestedStockAwardsPriorYearThatRemainUnvestedMember" xlink:to="wtm_ChangeInFairValueOfUnvestedStockAwardsPriorYearThatRemainUnvestedMember_lbl"/>
    <loc xlink:type="locator" xlink:label="wtm_ChangeInPensionValueAndEquityAwardValueMember" xlink:href="wtm-20221231.xsd#wtm_ChangeInPensionValueAndEquityAwardValueMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="wtm_ChangeInPensionValueAndEquityAwardValueMember_lbl" xml:lang="en-US">Change In Pension Value and Equity Award Value [Member]</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="wtm_EquityAwardsAdjustmentsAdjustmentsForEquityAwardsFailedToMeetPerformanceConditionsMember" xlink:to="wtm_EquityAwardsAdjustmentsAdjustmentsForEquityAwardsFailedToMeetPerformanceConditionsMember_lbl"/>
    <loc xlink:type="locator" xlink:label="wtm_EquityAwardsAdjustmentsChangeInFairValueAsOfVestingDateOfCurrentAwardsVestedDuringCurrentYearMember" xlink:href="wtm-20221231.xsd#wtm_EquityAwardsAdjustmentsChangeInFairValueAsOfVestingDateOfCurrentAwardsVestedDuringCurrentYearMember"/>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="wtm_EquityAwardsAdjustmentsChangeInFairValueAsOfVestingDateOfPriorYearAwardsVestedDuringCurrentYearMember_lbl" xml:lang="en-US">Change In Fair Value As Of Vesting Date Of Prior Year Awards Vested During Current Year [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="wtm_EquityAwardsAdjustmentsChangeInFairValueAsOfVestingDateOfPriorYearAwardsVestedDuringCurrentYearMember" xlink:to="wtm_EquityAwardsAdjustmentsChangeInFairValueAsOfVestingDateOfPriorYearAwardsVestedDuringCurrentYearMember_lbl"/>
    <loc xlink:type="locator" xlink:label="wtm_EquityAwardsAdjustmentsChangeInFairValueAsOfVestingDateOfVestedAwardsDuringCurrentYearMember" xlink:href="wtm-20221231.xsd#wtm_EquityAwardsAdjustmentsChangeInFairValueAsOfVestingDateOfVestedAwardsDuringCurrentYearMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="wtm_EquityAwardsAdjustmentsChangeInFairValueAsOfVestingDateOfVestedAwardsDuringCurrentYearMember_lbl" xml:lang="en-US">Change In Fair Value As Of Vesting Date Of Awards Vested During Current Year [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="wtm_EquityAwardsAdjustmentsChangeInFairValueAsOfVestingDateOfVestedAwardsDuringCurrentYearMember" xlink:to="wtm_EquityAwardsAdjustmentsChangeInFairValueAsOfVestingDateOfVestedAwardsDuringCurrentYearMember_lbl"/>
    <loc xlink:type="locator" xlink:label="wtm_EquityAwardsAdjustmentsChangeInFairValueAsOfYearEndOfOutstandingAndUnvestedAwardsGrantedInPriorYearsMember" xlink:href="wtm-20221231.xsd#wtm_EquityAwardsAdjustmentsChangeInFairValueAsOfYearEndOfOutstandingAndUnvestedAwardsGrantedInPriorYearsMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="wtm_EquityAwardsAdjustmentsChangeInFairValueAsOfYearEndOfOutstandingAndUnvestedAwardsGrantedInPriorYearsMember_lbl" xml:lang="en-US">Change In Fair Value Of Outstanding And Unvested Awards Granted In Prior Fiscal Years [Member]</label>
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    <loc xlink:type="locator" xlink:label="wtm_EquityAwardsAdjustmentsDividendsOrOtherEarningsPaidOnEquityAwardsNotOtherwiseReflectedInFairValueMember" xlink:href="wtm-20221231.xsd#wtm_EquityAwardsAdjustmentsDividendsOrOtherEarningsPaidOnEquityAwardsNotOtherwiseReflectedInFairValueMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="wtm_EquityAwardsAdjustmentsDividendsOrOtherEarningsPaidOnEquityAwardsNotOtherwiseReflectedInFairValueMember_lbl" xml:lang="en-US">Dividends Or Other Earnings Paid On Equity Awards Not Otherwise Reflected In Fair Value [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="wtm_EquityAwardsAdjustmentsDividendsOrOtherEarningsPaidOnEquityAwardsNotOtherwiseReflectedInFairValueMember" xlink:to="wtm_EquityAwardsAdjustmentsDividendsOrOtherEarningsPaidOnEquityAwardsNotOtherwiseReflectedInFairValueMember_lbl"/>
    <loc xlink:type="locator" xlink:label="wtm_EquityAwardsAdjustmentsMember" xlink:href="wtm-20221231.xsd#wtm_EquityAwardsAdjustmentsMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="wtm_EquityAwardsAdjustmentsMember_lbl" xml:lang="en-US">Total Equity Awards Adjustments [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="wtm_EquityAwardsAdjustmentsMember" xlink:to="wtm_EquityAwardsAdjustmentsMember_lbl"/>
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    <loc xlink:type="locator" xlink:label="wtm_EquityAwardsAdjustmentsYearEndFairValueOfAwardsGrantedInCurrentYearMember" xlink:href="wtm-20221231.xsd#wtm_EquityAwardsAdjustmentsYearEndFairValueOfAwardsGrantedInCurrentYearMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="wtm_EquityAwardsAdjustmentsYearEndFairValueOfAwardsGrantedInCurrentYearMember_lbl" xml:lang="en-US">Year-end Fair Value Of Awards Granted In The Current Fiscal Year [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="wtm_EquityAwardsAdjustmentsYearEndFairValueOfAwardsGrantedInCurrentYearMember" xlink:to="wtm_EquityAwardsAdjustmentsYearEndFairValueOfAwardsGrantedInCurrentYearMember_lbl"/>
    <loc xlink:type="locator" xlink:label="wtm_EquityAwardsValueInCompensationTableForTheApplicableYearMember" xlink:href="wtm-20221231.xsd#wtm_EquityAwardsValueInCompensationTableForTheApplicableYearMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="wtm_EquityAwardsValueInCompensationTableForTheApplicableYearMember_lbl" xml:lang="en-US">Equity Awards Value In Summary Compensation Table (Grant Date Value)</label>
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    <loc xlink:type="locator" xlink:label="wtm_NetAdjustmentsForEquityAwardsMember" xlink:href="wtm-20221231.xsd#wtm_NetAdjustmentsForEquityAwardsMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="wtm_NetAdjustmentsForEquityAwardsMember_lbl" xml:lang="en-US">Total Net Adjustments For Equity Awards [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="wtm_NetAdjustmentsForEquityAwardsMember" xlink:to="wtm_NetAdjustmentsForEquityAwardsMember_lbl"/>
    <loc xlink:type="locator" xlink:label="wtm_NetAdjustmentsForPensionMember" xlink:href="wtm-20221231.xsd#wtm_NetAdjustmentsForPensionMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="wtm_NetAdjustmentsForPensionMember_lbl" xml:lang="en-US">Total Net Adjustments For Pension [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="wtm_NetAdjustmentsForPensionMember" xlink:to="wtm_NetAdjustmentsForPensionMember_lbl"/>
    <loc xlink:type="locator" xlink:label="wtm_PensionAdjustmentsMember" xlink:href="wtm-20221231.xsd#wtm_PensionAdjustmentsMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="wtm_PensionAdjustmentsMember_lbl" xml:lang="en-US">Total Pension Adjustments [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="wtm_PensionAdjustmentsMember" xlink:to="wtm_PensionAdjustmentsMember_lbl"/>
    <loc xlink:type="locator" xlink:label="wtm_PensionAdjustmentsPriorServiceCostMember" xlink:href="wtm-20221231.xsd#wtm_PensionAdjustmentsPriorServiceCostMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="wtm_PensionAdjustmentsPriorServiceCostMember_lbl" xml:lang="en-US">Pension Adjustments Prior Service Cost [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="wtm_PensionAdjustmentsPriorServiceCostMember" xlink:to="wtm_PensionAdjustmentsPriorServiceCostMember_lbl"/>
    <loc xlink:type="locator" xlink:label="wtm_PensionAdjustmentsServiceCostMember" xlink:href="wtm-20221231.xsd#wtm_PensionAdjustmentsServiceCostMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="wtm_PensionAdjustmentsServiceCostMember_lbl" xml:lang="en-US">Pension Adjustments Service Cost [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="wtm_PensionAdjustmentsServiceCostMember" xlink:to="wtm_PensionAdjustmentsServiceCostMember_lbl"/>
    <loc xlink:type="locator" xlink:label="wtm_PensionValueAndEquityAwardsValueInCompensationTableForTheApplicableYearMember" xlink:href="wtm-20221231.xsd#wtm_PensionValueAndEquityAwardsValueInCompensationTableForTheApplicableYearMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="wtm_PensionValueAndEquityAwardsValueInCompensationTableForTheApplicableYearMember_lbl" xml:lang="en-US">Pension Value And Equity Awards Value In Compensation Table For The Applicable Year [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="wtm_PensionValueAndEquityAwardsValueInCompensationTableForTheApplicableYearMember" xlink:to="wtm_PensionValueAndEquityAwardsValueInCompensationTableForTheApplicableYearMember_lbl"/>
    <loc xlink:type="locator" xlink:label="wtm_PensionValueInCompensationTableForTheApplicableYearMember" xlink:href="wtm-20221231.xsd#wtm_PensionValueInCompensationTableForTheApplicableYearMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="wtm_PensionValueInCompensationTableForTheApplicableYearMember_lbl" xml:lang="en-US">Pension Adjustments Pension Value In Summary Compensation Table [Member]</label>
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    <loc xlink:type="locator" xlink:label="wtm_SummaryCompensationTableOfStockAwardGrantedInCoveredYearMember" xlink:href="wtm-20221231.xsd#wtm_SummaryCompensationTableOfStockAwardGrantedInCoveredYearMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="wtm_SummaryCompensationTableOfStockAwardGrantedInCoveredYearMember_lbl" xml:lang="en-US">Summary compensation table of Stock Award Granted in Covered Year [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="wtm_SummaryCompensationTableOfStockAwardGrantedInCoveredYearMember" xlink:to="wtm_SummaryCompensationTableOfStockAwardGrantedInCoveredYearMember_lbl"/>
    <loc xlink:type="locator" xlink:label="wtm_YearendValueForStockAwardGrantedInTheCoveredYearMember" xlink:href="wtm-20221231.xsd#wtm_YearendValueForStockAwardGrantedInTheCoveredYearMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="wtm_YearendValueForStockAwardGrantedInTheCoveredYearMember_lbl" xml:lang="en-US">Year-end Value for Stock Award Granted in the Covered Year [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="wtm_YearendValueForStockAwardGrantedInTheCoveredYearMember" xlink:to="wtm_YearendValueForStockAwardGrantedInTheCoveredYearMember_lbl"/>
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</linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>5
<FILENAME>wtm-20221231_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII"?>
<!-- Generated by CompSci Transform (tm) - http://www.compsciresources.com -->
<!-- Created: Thu Apr 06 08:41:15 UTC 2023 -->
<linkbase xmlns="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <roleRef xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#PvpDisclosure" roleURI="http://xbrl.sec.gov/ecd/role/PvpDisclosure"/>
  <presentationLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/ecd/role/PvpDisclosure">
    <loc xlink:type="locator" xlink:label="ecd_AllAdjToCompMember" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AllAdjToCompMember"/>
    <loc xlink:type="locator" xlink:label="SummaryCompensationTableOfStockAwardGrantedInCoveredYearMember" xlink:href="wtm-20221231.xsd#wtm_SummaryCompensationTableOfStockAwardGrantedInCoveredYearMember"/>
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    <loc xlink:type="locator" xlink:label="YearendValueForStockAwardGrantedInTheCoveredYearMember" xlink:href="wtm-20221231.xsd#wtm_YearendValueForStockAwardGrantedInTheCoveredYearMember"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ecd_AllAdjToCompMember" xlink:to="YearendValueForStockAwardGrantedInTheCoveredYearMember" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <loc xlink:type="locator" xlink:label="ChangeInFairValueOfUnvestedStockAwardsPriorYearThatRemainUnvestedMember" xlink:href="wtm-20221231.xsd#wtm_ChangeInFairValueOfUnvestedStockAwardsPriorYearThatRemainUnvestedMember"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ecd_AllAdjToCompMember" xlink:to="ChangeInFairValueOfUnvestedStockAwardsPriorYearThatRemainUnvestedMember" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <loc xlink:type="locator" xlink:label="ChangeInFairValueOfStockAwardsFromPriorYearThatVestedInCoveredYearMember" xlink:href="wtm-20221231.xsd#wtm_ChangeInFairValueOfStockAwardsFromPriorYearThatVestedInCoveredYearMember"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ecd_AllAdjToCompMember" xlink:to="ChangeInFairValueOfStockAwardsFromPriorYearThatVestedInCoveredYearMember" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/label"/>
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end
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<TYPE>XML
<SEQUENCE>41
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<body>
<span style="display: none;">v3.23.1</span><table class="report" border="0" cellspacing="2" id="idm140351561349920">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2022</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">DEFR14A<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityInformationLineItems', window );"><strong>Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">WHITE MOUNTAINS INSURANCE GROUP, LTD.<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000776867<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentInformationLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentInformationLineItems</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityInformationLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityInformationLineItems</td>
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<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:normalizedStringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>42
<FILENAME>R2.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.23.1</span><table class="report" border="0" cellspacing="2" id="idm140351558417840">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Pay vs Performance Disclosure<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2022 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Dec. 31, 2021 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Dec. 31, 2020 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTableTextBlock', window );">Pay vs Performance [Table Text Block]</a></td>
<td class="text"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b>Pay
Versus Performance</b></span></p><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
following table presents &#8220;Compensation Actually Paid&#8221; to the Principal Executive Officer (&#8220;PEO&#8221;) and the
 &#8220;Average Compensation Actually Paid&#8221; to the Non-PEO NEOs in 2022, 2021 and 2020, as calculated pursuant to recently
adopted SEC rules.</span></p><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"> <td rowspan="2" style="border-top: Black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Year <sup>(1)</sup></span></td> <td rowspan="2" style="border-top: Black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Summary <br/> Compensation <br/> Table Total for <br/> PEO</span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">($)</span></p></td> <td rowspan="2" style="border-top: Black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Compensation <br/> Actually Paid <br/> to PEO</span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">($)<sup>2</sup></span></p></td> <td rowspan="2" style="border-top: Black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average <br/> Summary <br/> Compensation <br/> Table Total for <br/> Non-PEO NEOs</span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">($)</span></p></td> <td rowspan="2" style="border-top: Black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average
<br/>
Compensation <br/>
Actually Paid to <br/>
Non-PEO NEOs</span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">($)<sup>(2)</sup></span></p></td> <td colspan="2" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Value of Initial Fixed $100 <br/>
Investment Based On:</span></td> <td rowspan="2" style="border-top: Black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net
Income <br/>
(Loss)</span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(millions
$)</span></p></td> <td rowspan="2" style="border-top: Black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Annual <br/>
Growth in <br/>
Compensation <br/>
Value per <br/>
Share<sup>(4)</sup></span></td></tr>
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total
<br/>
Shareholder <br/>
Return</span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">($)</span></p></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Peer
Group Total <br/>
Shareholder <br/>
Return</span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">($)<sup>(3)</sup></span></p></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif"> <td style="white-space: nowrap; width: 10%; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2022</span></td> <td style="white-space: nowrap; width: 11%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">7,191,754</span></td> <td style="white-space: nowrap; width: 11%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">23,147,640</span></td> <td style="white-space: nowrap; width: 11%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,169,569</span></td> <td style="white-space: nowrap; width: 11%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">7,992,051</span></td> <td style="white-space: nowrap; width: 11%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">127.17</span></td> <td style="white-space: nowrap; width: 11%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">151.65</span></td> <td style="white-space: nowrap; width: 11%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">792.8</span></td> <td style="white-space: nowrap; width: 13%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">23.9%</span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif"> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2021</span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">7,185,569</span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4,639,595</span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,906,827</span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,095,752</span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">91.08</span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">127.58</span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(275.4)</span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-1.2%</span></td></tr>
<tr style="font: 11pt Arial, Helvetica, Sans-Serif"> <td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: -6.15pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2020</span></td> <td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">7,170,628</span></td> <td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13,792,568</span></td> <td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,966,751</span></td> <td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">6,747,315</span></td> <td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">89.81</span></td> <td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">106.96</span></td> <td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">708.7</span></td> <td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">24.0%</span></td></tr>
</table><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p><table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0pt; width: 100%"><tr style="vertical-align: top">
<td style="width: 0in"/><td style="width: 0.25in; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1)</span></td><td><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The PEO and Non-PEO NEOs for the applicable years were as follows:</span></td>
</tr></table><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"/><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2022:
Mr. Rountree served as PEO and Messrs. Caffrey, Campbell, Seelig and Ms. Hildreth served as Non-PEO NEOs&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2021:
Mr. Rountree served as PEO and Messrs. Bazos, Campbell, Seelig and Ms. Hildreth served as Non-PEO NEOs&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2020:
Mr. Rountree served as PEO and Messrs. Bazos, Campbell, Seelig and Palmer served as Non-PEO NEOs</span></p><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></p><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"/><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(2)</span></td><td style="padding-right: 31.7pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The amounts reported as &#8220;Compensation Actually Paid&#8221; to our PEO and &#8220;Average Compensation Actually Paid&#8221; to our Non-PEO NEOs in each of 2022, 2021 and 2020 represent the respective amounts as determined in accordance with Item 402(v) of Regulation S-K. The amounts do not reflect the actual amount of compensation earned by or paid to our PEO or Non-PEO NEOs during the applicable year. The Summary Compensation Table totals reported for the PEO and the average of the Non-PEO NEOs for each year were subject to the following adjustments per Item 402(v)(2)(iii) of Regulation S-K to calculate &#8220;compensation actually paid&#8221;:</span></td></tr></table><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"> <td style="border-top: Black 1pt solid; vertical-align: top; padding-top: 8pt; font: 11pt Arial, Helvetica, Sans-Serif; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td colspan="2" style="padding-top: 8pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2022</span></td> <td colspan="3" style="padding-top: 8pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2021</span></td> <td style="padding-top: 8pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td colspan="2" style="padding-top: 8pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2020</span></td></tr>
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"> <td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; width: 36%; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">PEO ($)</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average for<br/> Non-PEO <br/> NEOs ($)</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 2%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">PEO ($)</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average for<br/> Non-PEO <br/> NEOs ($)</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 2%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">PEO ($)</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average for<br/>
Non-PEO <br/>
NEOs ($)</span></td></tr>
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<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"> <td style="border-bottom: Black 1pt solid; vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Compensation Actually Paid</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">23,147,640 </span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">7,992,051 </span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4,639,595 </span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,095,752 </span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13,792,568 </span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">6,747,315 </span></td></tr>
</table><p style="margin-top: 0; margin-bottom: 0">&#160;</p><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"/><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(3)</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Peer Group Total Shareholder Return reflects the S&amp;P 500 Property &amp; Casualty Insurance Index as reflected in our Annual Report on the Form 10-K pursuant to Item 201(e) of Regulation S-K for the fiscal year ended December 31, 2022. Each year reflects what the cumulative value of $100 would be, including the reinvestment of dividends, if such amount had been invested on December 31, 2019.</span></td></tr></table><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></p><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"/><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(4)</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">CVPS is the average of growth in adjusted book value per share (ABVPS) and growth in intrinsic value per share, which is the ABVPS including franchise value step-ups to reflect the fair value of certain entities carried at book value. See Annex A for a reconciliation of growth in ABVPS and growth in intrinsic value per share.</span></td></tr></table><span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_CoSelectedMeasureName', window );">Company Selected Measure Name</a></td>
<td class="text">Annual
Growth in
Compensation
Value per
Share<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_NamedExecutiveOfficersFnTextBlock', window );">Named Executive Officers, Footnote [Text Block]</a></td>
<td class="text"><table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0pt; width: 100%"><tr style="vertical-align: top">
<td style="width: 0in"/><td style="width: 0.25in; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1)</span></td><td><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The PEO and Non-PEO NEOs for the applicable years were as follows:</span></td>
</tr></table><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"/><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2022:
Mr. Rountree served as PEO and Messrs. Caffrey, Campbell, Seelig and Ms. Hildreth served as Non-PEO NEOs&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2021:
Mr. Rountree served as PEO and Messrs. Bazos, Campbell, Seelig and Ms. Hildreth served as Non-PEO NEOs&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2020:
Mr. Rountree served as PEO and Messrs. Bazos, Campbell, Seelig and Palmer served as Non-PEO NEOs</span></p><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></p><span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PeerGroupIssuersFnTextBlock', window );">Peer Group Issuers, Footnote [Text Block]</a></td>
<td class="text"><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"/><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(3)</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Peer Group Total Shareholder Return reflects the S&amp;P 500 Property &amp; Casualty Insurance Index as reflected in our Annual Report on the Form 10-K pursuant to Item 201(e) of Regulation S-K for the fiscal year ended December 31, 2022. Each year reflects what the cumulative value of $100 would be, including the reinvestment of dividends, if such amount had been invested on December 31, 2019.</span></td></tr></table><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#160;</span></p><span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PeoTotalCompAmt', window );">PEO Total Compensation Amount</a></td>
<td class="nump">$ 7,191,754<span></span>
</td>
<td class="nump">$ 7,185,569<span></span>
</td>
<td class="nump">$ 7,170,628<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PeoActuallyPaidCompAmt', window );">PEO Actually Paid Compensation Amount</a></td>
<td class="nump">$ 23,147,640<span></span>
</td>
<td class="nump">4,639,595<span></span>
</td>
<td class="nump">13,792,568<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToPeoCompFnTextBlock', window );">Adjustment To PEO Compensation, Footnote [Text Block]</a></td>
<td class="text"><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"/><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(2)</span></td><td style="padding-right: 31.7pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The amounts reported as &#8220;Compensation Actually Paid&#8221; to our PEO and &#8220;Average Compensation Actually Paid&#8221; to our Non-PEO NEOs in each of 2022, 2021 and 2020 represent the respective amounts as determined in accordance with Item 402(v) of Regulation S-K. The amounts do not reflect the actual amount of compensation earned by or paid to our PEO or Non-PEO NEOs during the applicable year. The Summary Compensation Table totals reported for the PEO and the average of the Non-PEO NEOs for each year were subject to the following adjustments per Item 402(v)(2)(iii) of Regulation S-K to calculate &#8220;compensation actually paid&#8221;:</span></td></tr></table><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"> <td style="border-top: Black 1pt solid; vertical-align: top; padding-top: 8pt; font: 11pt Arial, Helvetica, Sans-Serif; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td colspan="2" style="padding-top: 8pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2022</span></td> <td colspan="3" style="padding-top: 8pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2021</span></td> <td style="padding-top: 8pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td colspan="2" style="padding-top: 8pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2020</span></td></tr>
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"> <td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; width: 36%; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">PEO ($)</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average for<br/> Non-PEO <br/> NEOs ($)</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 2%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">PEO ($)</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average for<br/> Non-PEO <br/> NEOs ($)</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 2%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">PEO ($)</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average for<br/>
Non-PEO <br/>
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<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"> <td style="border-bottom: Black 1pt solid; vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Compensation Actually Paid</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">23,147,640 </span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">7,992,051 </span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4,639,595 </span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,095,752 </span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13,792,568 </span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">6,747,315 </span></td></tr>
</table><p style="margin-top: 0; margin-bottom: 0">&#160;</p><span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_NonPeoNeoAvgTotalCompAmt', window );">Non-PEO NEO Average Total Compensation Amount</a></td>
<td class="nump">$ 3,169,569<span></span>
</td>
<td class="nump">2,906,827<span></span>
</td>
<td class="nump">3,966,751<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_NonPeoNeoAvgCompActuallyPaidAmt', window );">Non-PEO NEO Average Compensation Actually Paid Amount</a></td>
<td class="nump">$ 7,992,051<span></span>
</td>
<td class="nump">2,095,752<span></span>
</td>
<td class="nump">6,747,315<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToNonPeoNeoCompFnTextBlock', window );">Adjustment to Non-PEO NEO Compensation Footnote [Text Block]</a></td>
<td class="text"><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"/><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(2)</span></td><td style="padding-right: 31.7pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The amounts reported as &#8220;Compensation Actually Paid&#8221; to our PEO and &#8220;Average Compensation Actually Paid&#8221; to our Non-PEO NEOs in each of 2022, 2021 and 2020 represent the respective amounts as determined in accordance with Item 402(v) of Regulation S-K. The amounts do not reflect the actual amount of compensation earned by or paid to our PEO or Non-PEO NEOs during the applicable year. The Summary Compensation Table totals reported for the PEO and the average of the Non-PEO NEOs for each year were subject to the following adjustments per Item 402(v)(2)(iii) of Regulation S-K to calculate &#8220;compensation actually paid&#8221;:</span></td></tr></table><p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"> <td style="border-top: Black 1pt solid; vertical-align: top; padding-top: 8pt; font: 11pt Arial, Helvetica, Sans-Serif; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td colspan="2" style="padding-top: 8pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2022</span></td> <td colspan="3" style="padding-top: 8pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2021</span></td> <td style="padding-top: 8pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td colspan="2" style="padding-top: 8pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2020</span></td></tr>
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"> <td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; width: 36%; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">PEO ($)</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average for<br/> Non-PEO <br/> NEOs ($)</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 2%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">PEO ($)</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average for<br/> Non-PEO <br/> NEOs ($)</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 2%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">PEO ($)</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average for<br/>
Non-PEO <br/>
NEOs ($)</span></td></tr>
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"> <td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td></tr>
<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"> <td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Summary compensation table total</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">7,191,754 </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,169,569 </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">7,185,569 </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,906,827 </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">7,170,628 </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,966,751 </span></td></tr>
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<tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"> <td style="border-bottom: Black 1pt solid; vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Compensation Actually Paid</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">23,147,640 </span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">7,992,051 </span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4,639,595 </span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,095,752 </span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#160;</span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13,792,568 </span></td> <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">6,747,315 </span></td></tr>
</table><p style="margin-top: 0; margin-bottom: 0">&#160;</p><span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_TotalShareholderRtnVsPeerGroupTextBlock', window );">Total Shareholder Return Vs Peer Group [Text Block]</a></td>
<td class="text"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Relationship
Between Pay and Performance</i></b></span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">In
2022, strong growth in CVPS positively correlated with growth in compensation actually paid for the following reasons. Based on
the Company&#8217;s performance of 23.9% growth in CVPS in 2022, the PEO and NEOs received bonuses of 200% of target for 2022.
During 2022, the fair value of all performance shares included in the calculation of Compensation Actually Paid to the PEO and
Average Compensation Actually Paid to the non-PEO NEOs increased significantly as (1) the level of growth in CVPS resulted in
higher projected payout percentages on all outstanding performance cycles and (2) the Company&#8217;s share price increased by
39.5% during 2022. The fair value of all restricted shares outstanding used in the calculation of Compensation Actually Paid to
the PEO and Average Compensation Actually Paid to the non-PEO NEOs also increased in 2022 as a direct result of the 39.5% increase
in the Company&#8217;s share price during the year. The increase in the Company&#8217;s net income also positively correlated
with growth in compensation actually paid as net income drove the increase in CVPS. The Company&#8217;s TSR also positively correlated
with the level of compensation actually paid, though not as much as growth in CVPS, as the increase in share price partially accounted
for the increase in value in outstanding performance share and restricted shares.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">In
2021, negative growth in CVPS correlated with a decrease in compensation actually paid. For 2021, the PEO and NEOs received no
bonuses and projected payout percentages on outstanding performance share decreased from the prior year end. The decrease in the
Company&#8217;s net income also correlated with the decrease in compensation actually paid as the net loss drove the decrease
in CVPS. The Company&#8217;s TSR of 1.4% somewhat correlated with the lower level of compensation actually paid. The small increase
in the value of each restricted share and performance share outstanding was more than offset by the reduction in the projected
payout percentages on all outstanding performance share cycles due to the negative growth in CVPS.</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">In
2020, strong growth in CVPS correlated with growth in compensation actually paid. For 2020, the PEO and NEOs received bonuses
of 200% of target and projected payout percentages on outstanding performance share cycles increased during the year. The increase
in the Company&#8217;s net income also positively correlated with growth in compensation actually paid as net income drove the
increase in CVPS. The Company&#8217;s TSR was not correlated with the level of compensation actually paid, as the decrease in
share price was more than offset by the increase in the projected payout percentages on all outstanding performance share cycles
due to the growth in CVPS.&#160;</span></p><div>

</div><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">The
following chart provides a graphical representation of the Company&#8217;s three-year cumulative TSR versus our industry peer group,
the S&amp;P 500 Property &amp; Casualty Insurance Index.</span></p><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 31.7pt 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><span style="font: 11pt Arial, Helvetica, Sans-Serif"><img alt="" src="tm231820d1_def14aimg027.jpg"/>&#160;</span></p><span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_TabularListTableTextBlock', window );">Tabular List [Table Text Block]</a></td>
<td class="text"><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><b><i>Financial
Performance Measures</i></b></span></p><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">&#160;</span></p><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">As
described in more detail in &#8220;Compensation Discussion &amp; Analysis&#8221; beginning on page 29, our approach to executive
compensation is designed with the primary goal of creating superior growth in our values per share over long periods of time.
We believe that this goal is best pursued by utilizing a pay-for-performance program that closely aligns the financial interests
of management with those of our shareholders while rewarding appropriate risk taking. We accomplish this by emphasizing variable
long-term compensation, the value of which is tied to performance over a number of years rather than fixed entitlements (such
as base salary, pensions, and employee benefits). Annual growth in CVPS determines the level of payout under our formulaic annual
bonus program, and annual growth in CVPS over the three-year performance cycle determines the number of shares earned from each
grant of performance shares. The market value of our shares is not included as a direct measure of performance, but it determines
the ultimate value of earned performance and restricted share awards. The most important financial measure used by the Company
to link compensation actually paid (as defined by SEC rules) to the Company&#8217;s NEOs for 2022 to the Company&#8217;s performance
is Growth in CVPS.</span></p><span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_TotalShareholderRtnAmt', window );">Total Shareholder Return Amount</a></td>
<td class="nump">$ 127.17<span></span>
</td>
<td class="nump">91.08<span></span>
</td>
<td class="nump">89.81<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PeerGroupTotalShareholderRtnAmt', window );">Peer Group Total Shareholder Return Amount</a></td>
<td class="nump">151.65<span></span>
</td>
<td class="nump">127.58<span></span>
</td>
<td class="nump">106.96<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net Income (Loss)</a></td>
<td class="nump">$ 792,800,000<span></span>
</td>
<td class="num">$ (275,400,000)<span></span>
</td>
<td class="nump">$ 708,700,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_CoSelectedMeasureAmt', window );">Company Selected Measure Amount</a></td>
<td class="nump">23.9<span></span>
</td>
<td class="num">(1.2)<span></span>
</td>
<td class="nump">24<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PeoName', window );">PEO Name</a></td>
<td class="text">Mr. Rountree<span></span>
</td>
<td class="text">Mr. Rountree<span></span>
</td>
<td class="text">Mr. Rountree<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_MeasureAxis=1', window );">Measure [Axis]: 1</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_NonGaapMeasureDescriptionTextBlock', window );">Non-GAAP Measure Description [Text Block]</a></td>
<td class="text"><table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif">
<td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"/><td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(4)</span></td><td style="font: 11pt Arial, Helvetica, Sans-Serif"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">CVPS is the average of growth in adjusted book value per share (ABVPS) and growth in intrinsic value per share, which is the ABVPS including franchise value step-ups to reflect the fair value of certain entities carried at book value. See Annex A for a reconciliation of growth in ABVPS and growth in intrinsic value per share.</span></td></tr></table><span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_ExecutiveCategoryAxis=ecd_PeoMember', window );">PEO [Member] | Summary compensation table of Stock Award Granted in Covered Year [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToCompAmt', window );">Adjustment to Compensation Amount</a></td>
<td class="num">$ (5,604,282)<span></span>
</td>
<td class="num">$ (6,478,434)<span></span>
</td>
<td class="num">$ (5,788,476)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_ExecutiveCategoryAxis=ecd_PeoMember', window );">PEO [Member] | Year-end Value for Stock Award Granted in the Covered Year [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToCompAmt', window );">Adjustment to Compensation Amount</a></td>
<td class="nump">11,461,473<span></span>
</td>
<td class="nump">4,107,645<span></span>
</td>
<td class="nump">8,110,746<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_ExecutiveCategoryAxis=ecd_PeoMember', window );">PEO [Member] | Change in Fair Value of Unvested Stock Awards prior Year that Remain Unvested [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToCompAmt', window );">Adjustment to Compensation Amount</a></td>
<td class="nump">9,901,354<span></span>
</td>
<td class="num">(1,500,285)<span></span>
</td>
<td class="nump">4,311,657<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_ExecutiveCategoryAxis=ecd_PeoMember', window );">PEO [Member] | Change in Fair Value of Stock Awards from Prior Year that Vested in Covered Year [Member].</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToCompAmt', window );">Adjustment to Compensation Amount</a></td>
<td class="nump">197,341<span></span>
</td>
<td class="nump">1,325,100<span></span>
</td>
<td class="num">(11,987)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_ExecutiveCategoryAxis=ecd_NonPeoNeoMember', window );">Non-PEO NEO [Member] | Summary compensation table of Stock Award Granted in Covered Year [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToCompAmt', window );">Adjustment to Compensation Amount</a></td>
<td class="num">(1,686,474)<span></span>
</td>
<td class="num">(2,039,507)<span></span>
</td>
<td class="num">(2,599,455)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_ExecutiveCategoryAxis=ecd_NonPeoNeoMember', window );">Non-PEO NEO [Member] | Year-end Value for Stock Award Granted in the Covered Year [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToCompAmt', window );">Adjustment to Compensation Amount</a></td>
<td class="nump">3,449,054<span></span>
</td>
<td class="nump">1,293,148<span></span>
</td>
<td class="nump">3,642,326<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_ExecutiveCategoryAxis=ecd_NonPeoNeoMember', window );">Non-PEO NEO [Member] | Change in Fair Value of Unvested Stock Awards prior Year that Remain Unvested [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToCompAmt', window );">Adjustment to Compensation Amount</a></td>
<td class="nump">3,003,988<span></span>
</td>
<td class="num">(528,501)<span></span>
</td>
<td class="nump">1,742,497<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_ExecutiveCategoryAxis=ecd_NonPeoNeoMember', window );">Non-PEO NEO [Member] | Change in Fair Value of Stock Awards from Prior Year that Vested in Covered Year [Member].</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToCompAmt', window );">Adjustment to Compensation Amount</a></td>
<td class="nump">$ 55,912<span></span>
</td>
<td class="nump">$ 463,785<span></span>
</td>
<td class="num">$ (4,804)<span></span>
</td>
</tr>
</table>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_CoSelectedMeasureAmt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 2<br> -Subparagraph vi<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_CoSelectedMeasureAmt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:decimalItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_CoSelectedMeasureName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 2<br> -Subparagraph vi<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_CoSelectedMeasureName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_NamedExecutiveOfficersFnTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_NamedExecutiveOfficersFnTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_NonGaapMeasureDescriptionTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 2<br> -Subparagraph vi<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_NonGaapMeasureDescriptionTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_NonPeoNeoAvgCompActuallyPaidAmt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 2<br> -Subparagraph iii<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_NonPeoNeoAvgCompActuallyPaidAmt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_NonPeoNeoAvgTotalCompAmt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 2<br> -Subparagraph ii<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_NonPeoNeoAvgTotalCompAmt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_PeerGroupIssuersFnTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 2<br> -Subparagraph iv<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_PeerGroupIssuersFnTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_PeerGroupTotalShareholderRtnAmt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 2<br> -Subparagraph iv<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_PeerGroupTotalShareholderRtnAmt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_PeoActuallyPaidCompAmt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 2<br> -Subparagraph iii<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_PeoActuallyPaidCompAmt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_PeoName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_PeoName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_PeoTotalCompAmt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 2<br> -Subparagraph ii<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_PeoTotalCompAmt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_PvpTable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_PvpTable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_PvpTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_PvpTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_TabularListTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_TabularListTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_TotalShareholderRtnAmt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 2<br> -Subparagraph iv<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_TotalShareholderRtnAmt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_TotalShareholderRtnVsPeerGroupTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 5<br> -Subparagraph iv<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_TotalShareholderRtnVsPeerGroupTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
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    <unit id="pure">
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    <ecd:PvpTableTextBlock contextRef="c0">&lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"&gt;&lt;b&gt;Pay
Versus Performance&lt;/b&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"&gt;&#160;&lt;/span&gt;&lt;/p&gt;&lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"&gt;The
following table presents &#x201c;Compensation Actually Paid&#x201d; to the Principal Executive Officer (&#x201c;PEO&#x201d;) and the
 &#x201c;Average Compensation Actually Paid&#x201d; to the Non-PEO NEOs in 2022, 2021 and 2020, as calculated pursuant to recently
adopted SEC rules.&lt;/span&gt;&lt;/p&gt;&lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"&gt;&#160;&lt;/span&gt;&lt;/p&gt;&lt;table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td rowspan="2" style="border-top: Black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Year &lt;sup&gt;(1)&lt;/sup&gt;&lt;/span&gt;&lt;/td&gt; &lt;td rowspan="2" style="border-top: Black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"&gt;&lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Summary &lt;br/&gt; Compensation &lt;br/&gt; Table Total for &lt;br/&gt; PEO&lt;/span&gt;&lt;/p&gt; &lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;($)&lt;/span&gt;&lt;/p&gt;&lt;/td&gt; &lt;td rowspan="2" style="border-top: Black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"&gt;&lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Compensation &lt;br/&gt; Actually Paid &lt;br/&gt; to PEO&lt;/span&gt;&lt;/p&gt; &lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;($)&lt;sup&gt;2&lt;/sup&gt;&lt;/span&gt;&lt;/p&gt;&lt;/td&gt; &lt;td rowspan="2" style="border-top: Black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"&gt;&lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Average &lt;br/&gt; Summary &lt;br/&gt; Compensation &lt;br/&gt; Table Total for &lt;br/&gt; Non-PEO NEOs&lt;/span&gt;&lt;/p&gt; &lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;($)&lt;/span&gt;&lt;/p&gt;&lt;/td&gt; &lt;td rowspan="2" style="border-top: Black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"&gt;&lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Average
&lt;br/&gt;
Compensation &lt;br/&gt;
Actually Paid to &lt;br/&gt;
Non-PEO NEOs&lt;/span&gt;&lt;/p&gt; &lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;($)&lt;sup&gt;(2)&lt;/sup&gt;&lt;/span&gt;&lt;/p&gt;&lt;/td&gt; &lt;td colspan="2" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Value of Initial Fixed $100 &lt;br/&gt;
Investment Based On:&lt;/span&gt;&lt;/td&gt; &lt;td rowspan="2" style="border-top: Black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"&gt;&lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Net
Income &lt;br/&gt;
(Loss)&lt;/span&gt;&lt;/p&gt; &lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;(millions
$)&lt;/span&gt;&lt;/p&gt;&lt;/td&gt; &lt;td rowspan="2" style="border-top: Black 1pt solid; border-bottom: black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Annual &lt;br/&gt;
Growth in &lt;br/&gt;
Compensation &lt;br/&gt;
Value per &lt;br/&gt;
Share&lt;sup&gt;(4)&lt;/sup&gt;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"&gt;&lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Total
&lt;br/&gt;
Shareholder &lt;br/&gt;
Return&lt;/span&gt;&lt;/p&gt; &lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;($)&lt;/span&gt;&lt;/p&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"&gt;&lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Peer
Group Total &lt;br/&gt;
Shareholder &lt;br/&gt;
Return&lt;/span&gt;&lt;/p&gt; &lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;($)&lt;sup&gt;(3)&lt;/sup&gt;&lt;/span&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="white-space: nowrap; width: 10%; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;2022&lt;/span&gt;&lt;/td&gt; &lt;td style="white-space: nowrap; width: 11%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;7,191,754&lt;/span&gt;&lt;/td&gt; &lt;td style="white-space: nowrap; width: 11%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;23,147,640&lt;/span&gt;&lt;/td&gt; &lt;td style="white-space: nowrap; width: 11%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;3,169,569&lt;/span&gt;&lt;/td&gt; &lt;td style="white-space: nowrap; width: 11%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;7,992,051&lt;/span&gt;&lt;/td&gt; &lt;td style="white-space: nowrap; width: 11%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;127.17&lt;/span&gt;&lt;/td&gt; &lt;td style="white-space: nowrap; width: 11%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;151.65&lt;/span&gt;&lt;/td&gt; &lt;td style="white-space: nowrap; width: 11%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;792.8&lt;/span&gt;&lt;/td&gt; &lt;td style="white-space: nowrap; width: 13%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;23.9%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;2021&lt;/span&gt;&lt;/td&gt; &lt;td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;7,185,569&lt;/span&gt;&lt;/td&gt; &lt;td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;4,639,595&lt;/span&gt;&lt;/td&gt; &lt;td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;2,906,827&lt;/span&gt;&lt;/td&gt; &lt;td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;2,095,752&lt;/span&gt;&lt;/td&gt; &lt;td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;91.08&lt;/span&gt;&lt;/td&gt; &lt;td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;127.58&lt;/span&gt;&lt;/td&gt; &lt;td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;(275.4)&lt;/span&gt;&lt;/td&gt; &lt;td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;-1.2%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: -6.15pt; padding-left: 5.4pt"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;2020&lt;/span&gt;&lt;/td&gt; &lt;td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;7,170,628&lt;/span&gt;&lt;/td&gt; &lt;td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;13,792,568&lt;/span&gt;&lt;/td&gt; &lt;td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;3,966,751&lt;/span&gt;&lt;/td&gt; &lt;td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;6,747,315&lt;/span&gt;&lt;/td&gt; &lt;td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;89.81&lt;/span&gt;&lt;/td&gt; &lt;td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;106.96&lt;/span&gt;&lt;/td&gt; &lt;td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;708.7&lt;/span&gt;&lt;/td&gt; &lt;td style="white-space: nowrap; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;24.0%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"&gt;&#160;&lt;/p&gt;&lt;table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0pt; width: 100%"&gt;&lt;tr style="vertical-align: top"&gt;
&lt;td style="width: 0in"/&gt;&lt;td style="width: 0.25in; text-align: left"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"&gt;The PEO and Non-PEO NEOs for the applicable years were as follows:&lt;/span&gt;&lt;/td&gt;
&lt;/tr&gt;&lt;/table&gt;&lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"/&gt;&lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"&gt;2022:
Mr. Rountree served as PEO and Messrs. Caffrey, Campbell, Seelig and Ms. Hildreth served as Non-PEO NEOs&#160;&lt;/span&gt;&lt;/p&gt;&lt;div&gt;

&lt;/div&gt;&lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"&gt;2021:
Mr. Rountree served as PEO and Messrs. Bazos, Campbell, Seelig and Ms. Hildreth served as Non-PEO NEOs&#160;&lt;/span&gt;&lt;/p&gt;&lt;div&gt;

&lt;/div&gt;&lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"&gt;2020:
Mr. Rountree served as PEO and Messrs. Bazos, Campbell, Seelig and Palmer served as Non-PEO NEOs&lt;/span&gt;&lt;/p&gt;&lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"&gt;&#160;&lt;/span&gt;&lt;/p&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"&gt;&lt;tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif"&gt;
&lt;td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"/&gt;&lt;td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="padding-right: 31.7pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"&gt;The amounts reported as &#x201c;Compensation Actually Paid&#x201d; to our PEO and &#x201c;Average Compensation Actually Paid&#x201d; to our Non-PEO NEOs in each of 2022, 2021 and 2020 represent the respective amounts as determined in accordance with Item 402(v) of Regulation S-K. The amounts do not reflect the actual amount of compensation earned by or paid to our PEO or Non-PEO NEOs during the applicable year. The Summary Compensation Table totals reported for the PEO and the average of the Non-PEO NEOs for each year were subject to the following adjustments per Item 402(v)(2)(iii) of Regulation S-K to calculate &#x201c;compensation actually paid&#x201d;:&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"&gt;&#160;&lt;/span&gt;&lt;/p&gt;&lt;table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="border-top: Black 1pt solid; vertical-align: top; padding-top: 8pt; font: 11pt Arial, Helvetica, Sans-Serif; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td colspan="2" style="padding-top: 8pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;2022&lt;/span&gt;&lt;/td&gt; &lt;td colspan="3" style="padding-top: 8pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;2021&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-top: 8pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td colspan="2" style="padding-top: 8pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; width: 36%; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;PEO ($)&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Average for&lt;br/&gt; Non-PEO &lt;br/&gt; NEOs ($)&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 2%"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;PEO ($)&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Average for&lt;br/&gt; Non-PEO &lt;br/&gt; NEOs ($)&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 2%"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;PEO ($)&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Average for&lt;br/&gt;
Non-PEO &lt;br/&gt;
NEOs ($)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Summary compensation table total&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;7,191,754 &lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;3,169,569 &lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;7,185,569 &lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;2,906,827 &lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;7,170,628 &lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;3,966,751 &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&#160;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&#160;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&#160;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&#160;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&#160;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&#160;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&#160;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&#160;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&#160;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Less: Value Reported in the SCT of Stock Awards Granted in the Covered Year&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;(5,604,282)&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;(1,686,474)&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;(6,478,434)&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;(2,039,507)&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;(5,788,476)&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;(2,599,455)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt; &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Plus: Year-end Value for Stock Awards Granted in the Covered Year&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;11,461,473 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;3,449,054 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;4,107,645 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;1,293,148 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;8,110,746 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;3,642,326 &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"/&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Change in Fair Value of Unvested Stock Awards from Prior Years that Remain Unvested&lt;/span&gt; &lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;9,901,354 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;3,003,988 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;(1,500,285)&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;(528,501)&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;4,311,657 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;1,742,497 &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"/&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Change in Fair Value of Stock Awards from Prior Years that Vested in Covered Year&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;197,341 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;55,912 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;1,325,100 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;463,785 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;(11,987)&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;(4,804)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-bottom: 1pt; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&#160;&lt;/td&gt; &lt;td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&#160;&lt;/td&gt; &lt;td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&#160;&lt;/td&gt; &lt;td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt"&gt;&#160;&lt;/td&gt; &lt;td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&#160;&lt;/td&gt; &lt;td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&#160;&lt;/td&gt; &lt;td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt"&gt;&#160;&lt;/td&gt; &lt;td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&#160;&lt;/td&gt; &lt;td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&#160;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="border-bottom: Black 1pt solid; vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Compensation Actually Paid&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;23,147,640 &lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;7,992,051 &lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;4,639,595 &lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;2,095,752 &lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;13,792,568 &lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;6,747,315 &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;p style="margin-top: 0; margin-bottom: 0"&gt;&#160;&lt;/p&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"&gt;&lt;tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif"&gt;
&lt;td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"/&gt;&lt;td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"&gt;Peer Group Total Shareholder Return reflects the S&amp;amp;P 500 Property &amp;amp; Casualty Insurance Index as reflected in our Annual Report on the Form 10-K pursuant to Item 201(e) of Regulation S-K for the fiscal year ended December 31, 2022. Each year reflects what the cumulative value of $100 would be, including the reinvestment of dividends, if such amount had been invested on December 31, 2019.&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"&gt;&#160;&lt;/span&gt;&lt;/p&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"&gt;&lt;tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif"&gt;
&lt;td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"/&gt;&lt;td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"&gt;CVPS is the average of growth in adjusted book value per share (ABVPS) and growth in intrinsic value per share, which is the ABVPS including franchise value step-ups to reflect the fair value of certain entities carried at book value. See Annex A for a reconciliation of growth in ABVPS and growth in intrinsic value per share.&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;</ecd:PvpTableTextBlock>
    <ecd:CoSelectedMeasureName contextRef="c0">Annual  Growth in  Compensation  Value per  Share</ecd:CoSelectedMeasureName>
    <ecd:PeoTotalCompAmt contextRef="c0" decimals="INF" unitRef="usd">7191754</ecd:PeoTotalCompAmt>
    <ecd:PeoActuallyPaidCompAmt contextRef="c0" decimals="INF" unitRef="usd">23147640</ecd:PeoActuallyPaidCompAmt>
    <ecd:NonPeoNeoAvgTotalCompAmt contextRef="c0" decimals="INF" unitRef="usd">3169569</ecd:NonPeoNeoAvgTotalCompAmt>
    <ecd:NonPeoNeoAvgCompActuallyPaidAmt contextRef="c0" decimals="INF" unitRef="usd">7992051</ecd:NonPeoNeoAvgCompActuallyPaidAmt>
    <ecd:TotalShareholderRtnAmt contextRef="c0" decimals="INF" unitRef="usd">127.17</ecd:TotalShareholderRtnAmt>
    <ecd:PeerGroupTotalShareholderRtnAmt contextRef="c0" decimals="INF" unitRef="usd">151.65</ecd:PeerGroupTotalShareholderRtnAmt>
    <us-gaap:NetIncomeLoss contextRef="c0" decimals="-5" unitRef="usd">792800000</us-gaap:NetIncomeLoss>
    <ecd:CoSelectedMeasureAmt contextRef="c0" decimals="INF" unitRef="pure">23.9</ecd:CoSelectedMeasureAmt>
    <ecd:PeoTotalCompAmt contextRef="c1" decimals="INF" unitRef="usd">7185569</ecd:PeoTotalCompAmt>
    <ecd:PeoActuallyPaidCompAmt contextRef="c1" decimals="INF" unitRef="usd">4639595</ecd:PeoActuallyPaidCompAmt>
    <ecd:NonPeoNeoAvgTotalCompAmt contextRef="c1" decimals="INF" unitRef="usd">2906827</ecd:NonPeoNeoAvgTotalCompAmt>
    <ecd:NonPeoNeoAvgCompActuallyPaidAmt contextRef="c1" decimals="INF" unitRef="usd">2095752</ecd:NonPeoNeoAvgCompActuallyPaidAmt>
    <ecd:TotalShareholderRtnAmt contextRef="c1" decimals="INF" unitRef="usd">91.08</ecd:TotalShareholderRtnAmt>
    <ecd:PeerGroupTotalShareholderRtnAmt contextRef="c1" decimals="INF" unitRef="usd">127.58</ecd:PeerGroupTotalShareholderRtnAmt>
    <us-gaap:NetIncomeLoss contextRef="c1" decimals="-5" unitRef="usd">-275400000</us-gaap:NetIncomeLoss>
    <ecd:CoSelectedMeasureAmt contextRef="c1" decimals="INF" unitRef="pure">-1.2</ecd:CoSelectedMeasureAmt>
    <ecd:PeoTotalCompAmt contextRef="c2" decimals="INF" unitRef="usd">7170628</ecd:PeoTotalCompAmt>
    <ecd:PeoActuallyPaidCompAmt contextRef="c2" decimals="INF" unitRef="usd">13792568</ecd:PeoActuallyPaidCompAmt>
    <ecd:NonPeoNeoAvgTotalCompAmt contextRef="c2" decimals="INF" unitRef="usd">3966751</ecd:NonPeoNeoAvgTotalCompAmt>
    <ecd:NonPeoNeoAvgCompActuallyPaidAmt contextRef="c2" decimals="INF" unitRef="usd">6747315</ecd:NonPeoNeoAvgCompActuallyPaidAmt>
    <ecd:TotalShareholderRtnAmt contextRef="c2" decimals="INF" unitRef="usd">89.81</ecd:TotalShareholderRtnAmt>
    <ecd:PeerGroupTotalShareholderRtnAmt contextRef="c2" decimals="INF" unitRef="usd">106.96</ecd:PeerGroupTotalShareholderRtnAmt>
    <us-gaap:NetIncomeLoss contextRef="c2" decimals="-5" unitRef="usd">708700000</us-gaap:NetIncomeLoss>
    <ecd:CoSelectedMeasureAmt contextRef="c2" decimals="INF" unitRef="pure">24</ecd:CoSelectedMeasureAmt>
    <ecd:NamedExecutiveOfficersFnTextBlock contextRef="c0">&lt;table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0pt; width: 100%"&gt;&lt;tr style="vertical-align: top"&gt;
&lt;td style="width: 0in"/&gt;&lt;td style="width: 0.25in; text-align: left"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"&gt;The PEO and Non-PEO NEOs for the applicable years were as follows:&lt;/span&gt;&lt;/td&gt;
&lt;/tr&gt;&lt;/table&gt;&lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"/&gt;&lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"&gt;2022:
Mr. Rountree served as PEO and Messrs. Caffrey, Campbell, Seelig and Ms. Hildreth served as Non-PEO NEOs&#160;&lt;/span&gt;&lt;/p&gt;&lt;div&gt;

&lt;/div&gt;&lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"&gt;2021:
Mr. Rountree served as PEO and Messrs. Bazos, Campbell, Seelig and Ms. Hildreth served as Non-PEO NEOs&#160;&lt;/span&gt;&lt;/p&gt;&lt;div&gt;

&lt;/div&gt;&lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"&gt;2020:
Mr. Rountree served as PEO and Messrs. Bazos, Campbell, Seelig and Palmer served as Non-PEO NEOs&lt;/span&gt;&lt;/p&gt;&lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"&gt;&#160;&lt;/span&gt;&lt;/p&gt;</ecd:NamedExecutiveOfficersFnTextBlock>
    <ecd:PeoName contextRef="c2">Mr. Rountree</ecd:PeoName>
    <ecd:PeoName contextRef="c1">Mr. Rountree</ecd:PeoName>
    <ecd:PeoName contextRef="c0">Mr. Rountree</ecd:PeoName>
    <ecd:AdjToNonPeoNeoCompFnTextBlock contextRef="c0">&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"&gt;&lt;tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif"&gt;
&lt;td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"/&gt;&lt;td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="padding-right: 31.7pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"&gt;The amounts reported as &#x201c;Compensation Actually Paid&#x201d; to our PEO and &#x201c;Average Compensation Actually Paid&#x201d; to our Non-PEO NEOs in each of 2022, 2021 and 2020 represent the respective amounts as determined in accordance with Item 402(v) of Regulation S-K. The amounts do not reflect the actual amount of compensation earned by or paid to our PEO or Non-PEO NEOs during the applicable year. The Summary Compensation Table totals reported for the PEO and the average of the Non-PEO NEOs for each year were subject to the following adjustments per Item 402(v)(2)(iii) of Regulation S-K to calculate &#x201c;compensation actually paid&#x201d;:&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"&gt;&#160;&lt;/span&gt;&lt;/p&gt;&lt;table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="border-top: Black 1pt solid; vertical-align: top; padding-top: 8pt; font: 11pt Arial, Helvetica, Sans-Serif; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td colspan="2" style="padding-top: 8pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;2022&lt;/span&gt;&lt;/td&gt; &lt;td colspan="3" style="padding-top: 8pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;2021&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-top: 8pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td colspan="2" style="padding-top: 8pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; width: 36%; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;PEO ($)&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Average for&lt;br/&gt; Non-PEO &lt;br/&gt; NEOs ($)&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 2%"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;PEO ($)&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Average for&lt;br/&gt; Non-PEO &lt;br/&gt; NEOs ($)&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 2%"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;PEO ($)&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Average for&lt;br/&gt;
Non-PEO &lt;br/&gt;
NEOs ($)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Summary compensation table total&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;7,191,754 &lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;3,169,569 &lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;7,185,569 &lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;2,906,827 &lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;7,170,628 &lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;3,966,751 &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&#160;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&#160;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&#160;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&#160;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&#160;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&#160;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&#160;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&#160;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&#160;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Less: Value Reported in the SCT of Stock Awards Granted in the Covered Year&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;(5,604,282)&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;(1,686,474)&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;(6,478,434)&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;(2,039,507)&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;(5,788,476)&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;(2,599,455)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt; &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Plus: Year-end Value for Stock Awards Granted in the Covered Year&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;11,461,473 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;3,449,054 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;4,107,645 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;1,293,148 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;8,110,746 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;3,642,326 &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"/&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Change in Fair Value of Unvested Stock Awards from Prior Years that Remain Unvested&lt;/span&gt; &lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;9,901,354 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;3,003,988 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;(1,500,285)&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;(528,501)&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;4,311,657 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;1,742,497 &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"/&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Change in Fair Value of Stock Awards from Prior Years that Vested in Covered Year&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;197,341 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;55,912 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;1,325,100 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;463,785 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;(11,987)&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;(4,804)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-bottom: 1pt; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&#160;&lt;/td&gt; &lt;td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&#160;&lt;/td&gt; &lt;td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&#160;&lt;/td&gt; &lt;td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt"&gt;&#160;&lt;/td&gt; &lt;td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&#160;&lt;/td&gt; &lt;td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&#160;&lt;/td&gt; &lt;td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt"&gt;&#160;&lt;/td&gt; &lt;td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&#160;&lt;/td&gt; &lt;td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&#160;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="border-bottom: Black 1pt solid; vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Compensation Actually Paid&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;23,147,640 &lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;7,992,051 &lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;4,639,595 &lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;2,095,752 &lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;13,792,568 &lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;6,747,315 &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;p style="margin-top: 0; margin-bottom: 0"&gt;&#160;&lt;/p&gt;</ecd:AdjToNonPeoNeoCompFnTextBlock>
    <ecd:AdjToPeoCompFnTextBlock contextRef="c0">&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"&gt;&lt;tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif"&gt;
&lt;td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"/&gt;&lt;td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="padding-right: 31.7pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"&gt;The amounts reported as &#x201c;Compensation Actually Paid&#x201d; to our PEO and &#x201c;Average Compensation Actually Paid&#x201d; to our Non-PEO NEOs in each of 2022, 2021 and 2020 represent the respective amounts as determined in accordance with Item 402(v) of Regulation S-K. The amounts do not reflect the actual amount of compensation earned by or paid to our PEO or Non-PEO NEOs during the applicable year. The Summary Compensation Table totals reported for the PEO and the average of the Non-PEO NEOs for each year were subject to the following adjustments per Item 402(v)(2)(iii) of Regulation S-K to calculate &#x201c;compensation actually paid&#x201d;:&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"&gt;&#160;&lt;/span&gt;&lt;/p&gt;&lt;table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="border-top: Black 1pt solid; vertical-align: top; padding-top: 8pt; font: 11pt Arial, Helvetica, Sans-Serif; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td colspan="2" style="padding-top: 8pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;2022&lt;/span&gt;&lt;/td&gt; &lt;td colspan="3" style="padding-top: 8pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;2021&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-top: 8pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td colspan="2" style="padding-top: 8pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; width: 36%; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;PEO ($)&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Average for&lt;br/&gt; Non-PEO &lt;br/&gt; NEOs ($)&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 2%"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;PEO ($)&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Average for&lt;br/&gt; Non-PEO &lt;br/&gt; NEOs ($)&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 2%"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;PEO ($)&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Average for&lt;br/&gt;
Non-PEO &lt;br/&gt;
NEOs ($)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Summary compensation table total&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;7,191,754 &lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;3,169,569 &lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;7,185,569 &lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;2,906,827 &lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;7,170,628 &lt;/span&gt;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;3,966,751 &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&#160;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&#160;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&#160;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&#160;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&#160;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&#160;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&#160;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&#160;&lt;/td&gt; &lt;td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&#160;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Less: Value Reported in the SCT of Stock Awards Granted in the Covered Year&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;(5,604,282)&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;(1,686,474)&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;(6,478,434)&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;(2,039,507)&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;(5,788,476)&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;(2,599,455)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt; &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Plus: Year-end Value for Stock Awards Granted in the Covered Year&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;11,461,473 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;3,449,054 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;4,107,645 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;1,293,148 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;8,110,746 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;3,642,326 &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"/&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Change in Fair Value of Unvested Stock Awards from Prior Years that Remain Unvested&lt;/span&gt; &lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;9,901,354 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;3,003,988 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;(1,500,285)&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;(528,501)&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;4,311,657 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;1,742,497 &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"/&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Change in Fair Value of Stock Awards from Prior Years that Vested in Covered Year&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;197,341 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;55,912 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;1,325,100 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;463,785 &lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;(11,987)&lt;/span&gt;&lt;/td&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;(4,804)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-bottom: 1pt; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&#160;&lt;/td&gt; &lt;td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&#160;&lt;/td&gt; &lt;td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&#160;&lt;/td&gt; &lt;td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt"&gt;&#160;&lt;/td&gt; &lt;td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&#160;&lt;/td&gt; &lt;td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&#160;&lt;/td&gt; &lt;td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt"&gt;&#160;&lt;/td&gt; &lt;td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&#160;&lt;/td&gt; &lt;td style="border-top: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&#160;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"&gt; &lt;td style="border-bottom: Black 1pt solid; vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif; padding-left: 0.25in; text-indent: -0.125in; padding-right: 5pt; text-align: left"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;Compensation Actually Paid&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;23,147,640 &lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;7,992,051 &lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;4,639,595 &lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;2,095,752 &lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;13,792,568 &lt;/span&gt;&lt;/td&gt; &lt;td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"&gt;6,747,315 &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;p style="margin-top: 0; margin-bottom: 0"&gt;&#160;&lt;/p&gt;</ecd:AdjToPeoCompFnTextBlock>
    <ecd:PeoTotalCompAmt contextRef="c0" decimals="INF" unitRef="usd">7191754</ecd:PeoTotalCompAmt>
    <ecd:NonPeoNeoAvgTotalCompAmt contextRef="c0" decimals="INF" unitRef="usd">3169569</ecd:NonPeoNeoAvgTotalCompAmt>
    <ecd:PeoTotalCompAmt contextRef="c1" decimals="INF" unitRef="usd">7185569</ecd:PeoTotalCompAmt>
    <ecd:NonPeoNeoAvgTotalCompAmt contextRef="c1" decimals="INF" unitRef="usd">2906827</ecd:NonPeoNeoAvgTotalCompAmt>
    <ecd:PeoTotalCompAmt contextRef="c2" decimals="INF" unitRef="usd">7170628</ecd:PeoTotalCompAmt>
    <ecd:NonPeoNeoAvgTotalCompAmt contextRef="c2" decimals="INF" unitRef="usd">3966751</ecd:NonPeoNeoAvgTotalCompAmt>
    <ecd:AdjToCompAmt contextRef="c3" decimals="INF" unitRef="usd">-5604282</ecd:AdjToCompAmt>
    <ecd:AdjToCompAmt contextRef="c4" decimals="INF" unitRef="usd">-1686474</ecd:AdjToCompAmt>
    <ecd:AdjToCompAmt contextRef="c5" decimals="INF" unitRef="usd">-6478434</ecd:AdjToCompAmt>
    <ecd:AdjToCompAmt contextRef="c6" decimals="INF" unitRef="usd">-2039507</ecd:AdjToCompAmt>
    <ecd:AdjToCompAmt contextRef="c7" decimals="INF" unitRef="usd">-5788476</ecd:AdjToCompAmt>
    <ecd:AdjToCompAmt contextRef="c8" decimals="INF" unitRef="usd">-2599455</ecd:AdjToCompAmt>
    <ecd:AdjToCompAmt contextRef="c9" decimals="INF" unitRef="usd">11461473</ecd:AdjToCompAmt>
    <ecd:AdjToCompAmt contextRef="c10" decimals="INF" unitRef="usd">3449054</ecd:AdjToCompAmt>
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    <ecd:PeerGroupIssuersFnTextBlock contextRef="c0">&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"&gt;&lt;tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif"&gt;
&lt;td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"/&gt;&lt;td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"&gt;Peer Group Total Shareholder Return reflects the S&amp;amp;P 500 Property &amp;amp; Casualty Insurance Index as reflected in our Annual Report on the Form 10-K pursuant to Item 201(e) of Regulation S-K for the fiscal year ended December 31, 2022. Each year reflects what the cumulative value of $100 would be, including the reinvestment of dividends, if such amount had been invested on December 31, 2019.&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"&gt;&#160;&lt;/span&gt;&lt;/p&gt;</ecd:PeerGroupIssuersFnTextBlock>
    <ecd:NonGaapMeasureDescriptionTextBlock contextRef="c27">&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"&gt;&lt;tr style="vertical-align: top; font: 11pt Arial, Helvetica, Sans-Serif"&gt;
&lt;td style="width: 0; font: 11pt Arial, Helvetica, Sans-Serif"/&gt;&lt;td style="width: 0.25in; font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"&gt;CVPS is the average of growth in adjusted book value per share (ABVPS) and growth in intrinsic value per share, which is the ABVPS including franchise value step-ups to reflect the fair value of certain entities carried at book value. See Annex A for a reconciliation of growth in ABVPS and growth in intrinsic value per share.&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;</ecd:NonGaapMeasureDescriptionTextBlock>
    <ecd:TabularListTableTextBlock contextRef="c0">&lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"&gt;&lt;b&gt;&lt;i&gt;Financial
Performance Measures&lt;/i&gt;&lt;/b&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"&gt;&#160;&lt;/span&gt;&lt;/p&gt;&lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"&gt;As
described in more detail in &#x201c;Compensation Discussion &amp;amp; Analysis&#x201d; beginning on page 29, our approach to executive
compensation is designed with the primary goal of creating superior growth in our values per share over long periods of time.
We believe that this goal is best pursued by utilizing a pay-for-performance program that closely aligns the financial interests
of management with those of our shareholders while rewarding appropriate risk taking. We accomplish this by emphasizing variable
long-term compensation, the value of which is tied to performance over a number of years rather than fixed entitlements (such
as base salary, pensions, and employee benefits). Annual growth in CVPS determines the level of payout under our formulaic annual
bonus program, and annual growth in CVPS over the three-year performance cycle determines the number of shares earned from each
grant of performance shares. The market value of our shares is not included as a direct measure of performance, but it determines
the ultimate value of earned performance and restricted share awards. The most important financial measure used by the Company
to link compensation actually paid (as defined by SEC rules) to the Company&#x2019;s NEOs for 2022 to the Company&#x2019;s performance
is Growth in CVPS.&lt;/span&gt;&lt;/p&gt;</ecd:TabularListTableTextBlock>
    <ecd:TotalShareholderRtnVsPeerGroupTextBlock contextRef="c0">&lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"&gt;&lt;b&gt;&lt;i&gt;Relationship
Between Pay and Performance&lt;/i&gt;&lt;/b&gt;&lt;/span&gt;&lt;/p&gt;&lt;div&gt;

&lt;/div&gt;&lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"&gt;In
2022, strong growth in CVPS positively correlated with growth in compensation actually paid for the following reasons. Based on
the Company&#x2019;s performance of 23.9% growth in CVPS in 2022, the PEO and NEOs received bonuses of 200% of target for 2022.
During 2022, the fair value of all performance shares included in the calculation of Compensation Actually Paid to the PEO and
Average Compensation Actually Paid to the non-PEO NEOs increased significantly as (1) the level of growth in CVPS resulted in
higher projected payout percentages on all outstanding performance cycles and (2) the Company&#x2019;s share price increased by
39.5% during 2022. The fair value of all restricted shares outstanding used in the calculation of Compensation Actually Paid to
the PEO and Average Compensation Actually Paid to the non-PEO NEOs also increased in 2022 as a direct result of the 39.5% increase
in the Company&#x2019;s share price during the year. The increase in the Company&#x2019;s net income also positively correlated
with growth in compensation actually paid as net income drove the increase in CVPS. The Company&#x2019;s TSR also positively correlated
with the level of compensation actually paid, though not as much as growth in CVPS, as the increase in share price partially accounted
for the increase in value in outstanding performance share and restricted shares.&lt;/span&gt;&lt;/p&gt;&lt;div&gt;

&lt;/div&gt;&lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"&gt;In
2021, negative growth in CVPS correlated with a decrease in compensation actually paid. For 2021, the PEO and NEOs received no
bonuses and projected payout percentages on outstanding performance share decreased from the prior year end. The decrease in the
Company&#x2019;s net income also correlated with the decrease in compensation actually paid as the net loss drove the decrease
in CVPS. The Company&#x2019;s TSR of 1.4% somewhat correlated with the lower level of compensation actually paid. The small increase
in the value of each restricted share and performance share outstanding was more than offset by the reduction in the projected
payout percentages on all outstanding performance share cycles due to the negative growth in CVPS.&lt;/span&gt;&lt;/p&gt;&lt;div&gt;

&lt;/div&gt;&lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"&gt;In
2020, strong growth in CVPS correlated with growth in compensation actually paid. For 2020, the PEO and NEOs received bonuses
of 200% of target and projected payout percentages on outstanding performance share cycles increased during the year. The increase
in the Company&#x2019;s net income also positively correlated with growth in compensation actually paid as net income drove the
increase in CVPS. The Company&#x2019;s TSR was not correlated with the level of compensation actually paid, as the decrease in
share price was more than offset by the increase in the projected payout percentages on all outstanding performance share cycles
due to the growth in CVPS.&#160;&lt;/span&gt;&lt;/p&gt;&lt;div&gt;

&lt;/div&gt;&lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0; text-indent: 0.25in"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"&gt;The
following chart provides a graphical representation of the Company&#x2019;s three-year cumulative TSR versus our industry peer group,
the S&amp;amp;P 500 Property &amp;amp; Casualty Insurance Index.&lt;/span&gt;&lt;/p&gt;&lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 31.7pt 0pt 0; text-indent: 0.25in"&gt;&lt;span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"&gt;&#160;&lt;/span&gt;&lt;/p&gt;&lt;p style="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"&gt;&lt;span style="font: 11pt Arial, Helvetica, Sans-Serif"&gt;&lt;img alt="" src="tm231820d1_def14aimg027.jpg"/&gt;&#160;&lt;/span&gt;&lt;/p&gt;</ecd:TotalShareholderRtnVsPeerGroupTextBlock>
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<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
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// Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission.  Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105.
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<SEQUENCE>46
<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
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/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
..report table.authRefData{
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	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

..report table.authRefData a {
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}

..report table.authRefData p {
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}

..report table.authRefData .hide {
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	padding: 1px 3px 0px 0px;
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}

..report table.authRefData .hide a:hover {
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}

..report table.authRefData .body {
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	width: 400px;
}

..report table.authRefData table{
	font-size: 1em;
}

/* Report Styles */
..pl a, .pl a:visited {
	color: black;
	text-decoration: none;
}

/* table */
..report {
	background-color: white;
	border: 2px solid #acf;
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/ "@ * !&"P  DJD1

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
