<SEC-DOCUMENT>0000776867-23-000007.txt : 20230510
<SEC-HEADER>0000776867-23-000007.hdr.sgml : 20230510
<ACCEPTANCE-DATETIME>20230510084727
ACCESSION NUMBER:		0000776867-23-000007
CONFORMED SUBMISSION TYPE:	DEFA14A
PUBLIC DOCUMENT COUNT:		7
FILED AS OF DATE:		20230510
DATE AS OF CHANGE:		20230510

FILER:

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

	FILING VALUES:
		FORM TYPE:		DEFA14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-08993
		FILM NUMBER:		23904504

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

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

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

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

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FUND AMERICAN COMPANIES INC
		DATE OF NAME CHANGE:	19920701
</SEC-HEADER>
<DOCUMENT>
<TYPE>DEFA14A
<SEQUENCE>1
<FILENAME>defa14a2023.htm
<DESCRIPTION>DEFA14A
<TEXT>
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<title>Document</title></head><body><div id="i3de2f72b2d79407b9ccaf7a61b1fed4f_1"></div><div style="min-height:21.6pt;width:100%"><div><font><br></font></div></div><div style="margin-top:0.45pt"><img alt="image_4.jpg" src="image_4.jpg" style="height:1px;margin-bottom:5pt;vertical-align:text-bottom;width:724px"><img alt="image_1.jpg" src="image_1.jpg" style="height:1px;margin-bottom:5pt;vertical-align:text-bottom;width:724px"></div><div style="margin-top:5.7pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:700;line-height:100%">UNITED STATES</font></div><div style="margin-top:0.4pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:700;line-height:100%">SECURITIES AND EXCHANGE COMMISSION</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:100%">Washington, D.C. 20549</font></div><div style="margin-top:11.35pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:18pt;font-weight:700;line-height:100%">SCHEDULE 14A</font></div><div style="margin-top:0.3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">(RULE 14a-101)</font></div><div style="margin-top:0.5pt;padding-left:153.1pt;padding-right:153.1pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION</font></div><div><font><br></font></div><div style="padding-left:172.2pt;padding-right:172.2pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934</font></div><div style="margin-top:0.05pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">(Amendment No.&#160;&#160;&#160;&#160;)</font></div><div style="margin-top:0.5pt"><font><br></font></div><div style="padding-left:5.95pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Filed by the Registrant </font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#9746;&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Filed by a Party other than the Registrant </font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#9744;</font></div><div style="margin-top:0.15pt"><font><br></font></div><div style="margin-bottom:6pt;margin-top:0.05pt;padding-left:5.95pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Check the appropriate box&#58;</font></div><div style="margin-bottom:6pt;text-indent:4.5pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%"> &#9744;&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Preliminary Proxy Statement</font></div><div style="margin-bottom:6pt;margin-top:0.2pt;text-indent:4.5pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%"> &#9744;&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2))</font></div><div style="margin-bottom:6pt;text-indent:4.5pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%"> &#9744;&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Definitive Proxy Statement</font></div><div style="margin-bottom:6pt;margin-top:0.2pt;padding-left:5.95pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#9746;&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Definitive Additional Materials</font></div><div style="margin-bottom:6pt;margin-top:0.2pt;padding-left:3.6pt;text-indent:-0.02pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%"> &#9744;&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Soliciting Material under &#167;240.14a-12</font></div><div style="margin-top:0.35pt"><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:20pt;font-weight:700;line-height:100%">White Mountains Insurance Group, Ltd.</font></div><div style="margin-top:0.5pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">(Name of Registrant as Specified In Its Charter)</font></div><div style="margin-top:0.4pt"><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">(Name of person(s) filing proxy statement, if other than the registrant)</font></div><div style="margin-top:0.4pt"><font><br></font></div><div style="margin-bottom:6pt;margin-top:0.05pt;padding-left:5.95pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Payment of Filing Fee (Check the appropriate box)&#58;</font></div><div style="margin-bottom:6pt;margin-top:0.5pt;padding-left:5.95pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#9746;&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">No fee required.</font></div><div style="margin-bottom:6pt;margin-top:0.2pt;padding-left:6.8pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#9744;&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Fee paid previously with preliminary materials.</font></div><div style="margin-bottom:6pt;margin-top:0.2pt;padding-left:6.8pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#9744;&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Fee computed on table in exhibit required by Item 25(b) per Exchange Act Rules 14a-6(i)(1) and 0-11.</font></div><div style="padding-left:30.75pt"><font><br></font></div><div style="padding-left:29.62pt;padding-right:29.62pt;text-align:center"><img alt="image_2.jpg" src="image_2.jpg" style="height:2px;margin-bottom:5pt;vertical-align:text-bottom;width:652px"></div><div style="margin-top:0.45pt;text-align:center"><font><br></font></div><div style="padding-left:2.8pt;padding-right:2.8pt;text-align:center"><img alt="image_3.jpg" src="image_3.jpg" style="height:1px;margin-bottom:5pt;vertical-align:text-bottom;width:724px"></div><div style="margin-top:0.15pt;text-align:center"><img alt="image_4.jpg" src="image_4.jpg" style="height:1px;margin-bottom:5pt;vertical-align:text-bottom;width:724px"></div><div style="height:21.6pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><div id="i3de2f72b2d79407b9ccaf7a61b1fed4f_4"></div><hr style="page-break-after:always"><div style="min-height:64.26pt;width:100%"><div><font><br></font></div></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:12pt;font-weight:400;line-height:112%"> </font><img alt="image.jpg" src="image.jpg" style="height:102px;margin-bottom:5pt;vertical-align:text-bottom;width:100px"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:12pt;font-weight:400;line-height:112%">  </font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> </font></div><div style="padding-left:342pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:112%">Robert L. Seelig</font></div><div style="padding-left:342pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Executive Vice President &#38; </font></div><div style="padding-left:342pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">General Counsel</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:700;line-height:112%">  </font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">May 9, 2023</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Glass Lewis HQ &#8211; California</font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">255 California Street, Suite 1100</font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">San Francisco, CA 94111 </font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Re&#58; 2023 Glass Lewis Report on White Mountains Insurance Group, Ltd.</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">To Whom It May Concern&#58;</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">White Mountains Insurance Group, Ltd. (&#8220;White Mountains&#8221;) appreciates the opportunity to respond to the Glass Lewis proxy research report on White Mountains that was published on May 2, 2023.  We would like to highlight important facts about our business model and 2022 performance, which we believe are not appropriately reflected in Glass Lewis&#8217;s analysis and voting recommendation.  </font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">We respectfully request that you publish an updated version of the research report that includes this information and revise your report to recommend FOR our Advisory Vote to Ratify Named Executive Officers&#8217; Compensation.  </font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:700;line-height:112%;text-decoration:underline">Our Business Model</font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.02pt">We are 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 our subsidiaries and, if and when attractive exit valuations become available, divesting to realize gains on the sale of these businesses and assets.</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:700;line-height:112%;text-decoration:underline">Our 2022 Performance </font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.02pt">2022 was one of the best years on record in White Mountains&#8217;s 35+ year history.</font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.02pt">We finished 2022 with adjusted book value per share of $1,495, an increase of 26% year-over-year.  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.</font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.02pt">Our share price increased 40%, while the S&#38;P 500 was -18% and the S&#38;P P&#38;C Insurance Total Return was 19%.</font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.02pt">Our return on equity was 22% and our return on assets was 11%. </font></div><div><font><br></font></div><div><font><br></font></div><div style="height:91.26pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:39.961%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.793%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:46.946%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%;text-decoration:underline">Corporate Headquarters</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">&#58;</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">White Mountains Insurance Group, Ltd.</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">A.S. Cooper Building</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">26 Reid Street</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">Hamilton, HM 11 Bermuda</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:115%">Ph&#58; 441-278-3160</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-style:italic;font-weight:400;line-height:115%"> </font><font style="color:#000000;font-family:'Wingdings',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:115%">u</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-style:italic;font-weight:400;line-height:115%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:115%">Fax&#58; 441-278-3170</font></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%;text-decoration:underline">Hanover Office</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">&#58;</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">White Mountains Insurance Group, Ltd.</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">23 South Main Street, Suite 3B</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">Hanover NH 03755 USA</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:115%">Ph&#58; 603-640-2212 </font><font style="color:#000000;font-family:'Wingdings',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:115%">u</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:115%">  F</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:115%">ax&#58; 603-640-2250</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">Email&#58; ir&#64;whitemountains.com</font></div></td></tr></table></div></div></div><hr style="page-break-after:always"><div style="min-height:64.26pt;width:100%"><div><font><br></font></div></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:700;line-height:112%;text-decoration:underline">Glass Lewis&#8217;s Calculation of Performance Excludes Transaction Gains from Some Measures of Performance</font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.02pt">Under our business model, we frequently create significant value for our shareholders through transaction gains.</font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.02pt">In calculating return on equity and return on assets, Glass Lewis excludes transaction gains. Therefore, Glass Lewis uses ROE of -5% and ROA of -0.9% in calculating WTM&#8217;s performance against peers.  </font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.02pt">As a result, Glass Lewis&#8217;s methodology significantly understates our true performance, both on an absolute basis as well as relative to peers.</font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.02pt">Looking to any reasonable measurement of our performance in 2022, our performance was meaningfully better than our peers. </font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">We would welcome the opportunity to discuss the points outlined in this letter to answer any questions you might have, and we appreciate your consideration.  If any of our shareholders have any questions regarding our executive compensation practices, please feel free to reach out to me at </font><font style="color:#0000ff;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">ir&#64;whitemountains.com</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> or 603-640-2212.</font></div><div><font><br></font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Sincerely, </font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><img alt="image1.jpg" src="image1.jpg" style="height:65px;margin-bottom:5pt;vertical-align:text-bottom;width:160px"></div><div style="height:91.26pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:39.961%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.793%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:46.946%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%;text-decoration:underline">Corporate Headquarters</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">&#58;</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">White Mountains Insurance Group, Ltd.</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">A.S. Cooper Building</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">26 Reid Street</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">Hamilton, HM 11 Bermuda</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:115%">Ph&#58; 441-278-3160</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-style:italic;font-weight:400;line-height:115%"> </font><font style="color:#000000;font-family:'Wingdings',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:115%">u</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-style:italic;font-weight:400;line-height:115%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:115%">Fax&#58; 441-278-3170</font></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%;text-decoration:underline">Hanover Office</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">&#58;</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">White Mountains Insurance Group, Ltd.</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">23 South Main Street, Suite 3B</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">Hanover NH 03755 USA</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:115%">Ph&#58; 603-640-2212 </font><font style="color:#000000;font-family:'Wingdings',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:115%">u</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:115%">  F</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:115%">ax&#58; 603-640-2250</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:112%">Email&#58; ir&#64;whitemountains.com</font></div></td></tr></table></div></div></div></body></html>
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