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    <p style="text-align: center;"><span style="font-size: 150%;"><strong>Global Insurers, Reinsurers Likely Paying 55 Percent of Estimated Losses From Hurricanes Harvey, Irma and Maria</strong></span></p>
<p class="MsoNormal" style="margin-top: 6.0pt; margin-right: 0in; margin-bottom: .0001pt; margin-left: 0in; line-height: 110%;"><span style="font-size: 110%;">Global insurers and reinsurers are essential to a healthy and functional insurance market &ndash; they spread risk across the world so that there is always capital to cover a disaster, whether it be an earthquake in Japan or a hurricane in Texas. Hurricanes Harvey, Irma and Maria have wreaked havoc on the Gulf Coast, Florida and the Caribbean, leaving thousands of people in need. Based on past catastrophes, global insurers and reinsurers will likely bear 55% of the losses from this record-setting hurricane season for home and business owners. Today they are speeding billions of dollars into American pockets, moving as quickly as possible so that those who fell into harm&rsquo;s way can rebuild and recover faster.</span></p>
<p class="MsoNormal" style="margin-top: 6.0pt; margin-right: 0in; margin-bottom: .0001pt; margin-left: 0in; line-height: 110%;">&nbsp;</p>
<div style="font-size: 120%;"><strong>Losses are heavy and will increase.</strong></div>
<div style="font-size: 120%;"><strong><br /></strong></div>
<div>
<div id="_mcePaste">Industry experts, including CoreLogic, RMS, AIR Worldwide and Karen Clark &amp; Co have compiled mid-point</div>
<div id="_mcePaste">estimates of the current losses from Hurricanes Harvey, Irma and Maria:</div>
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<ul>
<li>Hurricane Harvey: <strong>$30 billion</strong></li>
<li>Hurricane Irma: <strong>$23 billion</strong></li>
<li>Hurricane Maria: <strong>$27 billion<br /></strong></li>
<li>California Wildfires: <strong>$13 billion</strong></li>
<li>Total: <strong><span style="text-decoration: underline;">$90 billion</span></strong></li>
</ul>
</div>
<div>Other severe weather events including drought accounted for an additional $10 Billion in losses, bringing the total for US catastrophic loss in 2017 up to $103 Billion. These staggering losses fueled insurance payments to help rebuild American communities devastated by these disasters, bringing people a sense of hope for a return to normalcy while contributing to economic recovery.&nbsp;</div>
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<div style="font-size: 120%;"><strong>Global insurers and reinsurers are distributing US risk to protect consumers from added economic burdens.</strong></div>
<div style="font-size: 120%;"><strong><br /></strong></div>
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<div></div>
<div>Global insurers and reinsurers diversify risk and share its benefits with US consumers via competitive markets</div>
<div>that provide lower insurance costs and prevent additional taxes necessary to cover uninsured losses. With the</div>
<div>storms still part of recent memory, loss estimates are preliminary. Contributions by global insurers and reinsurers are currently projected at<strong>&nbsp;57% of total payments. As additional financial disclosures&nbsp;</strong><strong>are made from US carriers this share will likely move closer to the 50-50% ratio split seen in previous&nbsp;</strong><strong>large loss hurricanes from Katrina, Rita, Wilma and Sandy.</strong></div>
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<div><span class="full-image-block ssNonEditable">&nbsp;</span></div>
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<div style="text-align: center;"><span style="font-size: 14.4px;"><strong><br /><span class="full-image-block ssNonEditable"><span><img src="/storage/Updated pie chart.png?__SQUARESPACE_CACHEVERSION=1513728930281" alt="" /></span></span></strong></span></div>
<div style="text-align: center;"><span style="text-align: start;">For more information on the importance of insurance and reinsurance please view our video:|<br />&nbsp;</span><a style="text-align: start;" href="https://youtu.be/TwS4dvK3Bhc">What is Reinsurance?</a></div>
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<div style="text-align: center;"><span style="font-size: 14.4px;"><strong>Global insurers and reinsurers will continue their support in good times and bad.</strong></span></div>
<div><strong><br /></strong></div>
<div>
<div>Global insurers and reinsurers are contributing greatly to the recovery process. Payments have reduced</div>
<div>capacity between $70 billion and $100 billion, with global insurers and reinsurers taking the biggest equity hit.</div>
</div>
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<div style="text-align: center;"><br /><span class="full-image-block ssNonEditable"><img src="/storage/reinsurance-londoners.JPG?__SQUARESPACE_CACHEVERSION=1509128697520" alt="" /></span></div>
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<div>Media outlets covering insurance are suggesting that rates will increase in the double digits due to a decreased</div>
<div>supply of reinsurance. According to Insurance Insider, S&amp;P has stated that &ldquo;rate increases in the alternative</div>
<div>capital space next year are almost a given because incoming capital supplies are unlikely to come in at prices</div>
<div>similar to earlier periods.&rdquo; More specifically, &ldquo;top-up and stop-gap covers being sought by insurers to guard</div>
<div>against additional cat losses carry <strong>risk premiums of 20 percent to 30 percent.&rdquo;</strong></div>
<div><strong><br /></strong></div>
<div></div>
<div>As reinsurance is priced throughout the remainder of 2018, <strong>the price impact of these hurricanes will only be aggravated by an unwise decision to enact punitive taxes targeting reinsurance.&nbsp;</strong></div>
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<p class="MsoNormal" style="margin-top: 6.0pt; margin-right: 0in; margin-bottom: .0001pt; margin-left: 0in; line-height: 110%;">&nbsp;</p>
<p class="MsoNormal" style="margin-top: 6.0pt; margin-right: 0in; margin-bottom: .0001pt; margin-left: 0in; line-height: 110%;">&nbsp;</p>
<p class="MsoNormal" style="margin-top: 6.0pt; margin-right: 0in; margin-bottom: .0001pt; margin-left: 0in; line-height: 110%;"><strong style="font-size: 14.4px;">But the headlines say it all.</strong></p>
<p class="MsoNormal" style="margin: 6pt 0in 0.0001pt; line-height: 110%; text-align: center;">&nbsp;</p>
<p class="MsoNormal" style="margin-top: 6.0pt; margin-right: 0in; margin-bottom: .0001pt; margin-left: 0in; line-height: 110%;"><span style="font-family: &amp;amp;amp;">Global reinsurers are covering US losses post-hurricane and are signaling the need for rate increases next year.</span></p>
<p class="MsoNormal" style="margin-top: 6.0pt; margin-right: 0in; margin-bottom: .0001pt; margin-left: 0in; line-height: 110%;"><span style="font-family: &amp;amp;amp;">&nbsp;</span></p>
<p class="MsoNormal"><span style="font-family: &amp;amp;amp;"><a href="https://www.nytimes.com/2017/10/26/business/dealbook/munich-re-hurricanes-insurance.html?ref=dealbook&amp;_r=0">The New York Times &ndash; Atlantic Hurricanes Wipe Out Reinsurers&rsquo; Profits in Europe</a></span></p>
<p class="MsoNormal"><span style="font-family: &amp;amp;amp;"><a href="https://www.washingtonpost.com/news/get-there/wp/2017/09/18/how-andrew-helped-insurers-avoid-big-losses-from-harvey-irma/?hpid=hp_regional-hp-cards_rhp-card-business-technology%3Ahomepage%2Fcard&amp;utm_term=.de4164f6d0c1"><span style="mso-bidi-font-size: 14.0pt; line-height: 106%;">The Washington Post &ndash; How Andrew helped insurers avoid devastating losses from Harvey, Irma</span></a></span><span style="mso-bidi-font-size: 14.0pt; line-height: 106%; font-family: &amp;amp;amp;">&nbsp;</span></p>
<p class="MsoNormal"><span style="font-family: &amp;amp;amp;"><a href="https://www.wsj.com/articles/why-florida-is-largely-insured-by-companies-youve-never-heard-of-1504782003"><span style="mso-bidi-font-size: 14.0pt; line-height: 106%;">The Wall Street Journal &ndash; Why Florida Is Largely Insured by Companies You&rsquo;ve Never Heard Of</span></a></span><span style="mso-bidi-font-size: 14.0pt; line-height: 106%; font-family: &amp;amp;amp;">&nbsp;</span></p>
<p class="MsoNormal"><span style="font-family: &amp;amp;amp;"><a href="https://www.wsj.com/articles/reinsurers-will-largely-be-writing-the-checks-to-pay-for-irma-damage-1505072525?mg=prod%2Faccounts-wsj&amp;tesla=y"><span style="mso-bidi-font-size: 14.0pt; line-height: 106%;">The Wall Street Journal &ndash; Reinsurers Will Largely Be Writing the Checks to Pay for Irma Damage</span></a></span><span style="mso-bidi-font-size: 14.0pt; line-height: 106%; font-family: &amp;amp;amp;">&nbsp;</span></p>
<p class="MsoNormal"><span style="font-family: &amp;amp;amp;"><a href="https://www.reinsurancene.ws/global-reinsurers-target-u-s-property-cat-rate-rises/"><span style="mso-bidi-font-size: 14.0pt; line-height: 106%;">Reinsurance News &ndash; Global reinsurers target U.S. property cat rate rises</span></a></span><span style="mso-bidi-font-size: 14.0pt; line-height: 106%; font-family: &amp;amp;amp;">&nbsp;</span></p>
<p class="MsoNormal"><span style="font-family: &amp;amp;amp;"><a href="https://insuranceday.maritimeintelligence.informa.com/ID054905/Lloyds-revises-hurricane-bill-to-48bn"><span style="mso-bidi-font-size: 14.0pt; line-height: 106%;">Insurance Day &ndash; Lloyds revises hurricane bill to $4.8bn</span></a></span><span style="mso-bidi-font-size: 14.0pt; line-height: 106%; font-family: &amp;amp;amp;"> </span></p>
<p class="MsoNormal"><span style="font-family: &amp;amp;amp;"><a href="https://insuranceday.maritimeintelligence.informa.com/ID054893/Reinsurers-face-battle-for-survival-if-market-fails-to-harden-Guy-Carpenter"><span style="mso-bidi-font-size: 14.0pt; line-height: 106%;">Insurance Day &ndash; Reinsurers face &lsquo;battle for survival&rsquo; if market fails to harden: Guy Carpenter</span></a></span><span style="mso-bidi-font-size: 14.0pt; line-height: 106%; font-family: &amp;amp;amp;">&nbsp;</span></p>
<p class="MsoNormal"><span style="font-family: &amp;amp;amp;"><a href="https://drive.google.com/file/d/0B1erVr2M2Nf0cGhIRTZPN0ZUaXM/view?usp=sharing"><span style="mso-bidi-font-size: 14.0pt; line-height: 106%;">Insurance Day &ndash; &lsquo;Up to $12.5bn&rsquo; of ILS capital trapped or lost</span></a></span><span style="mso-bidi-font-size: 14.0pt; line-height: 106%; font-family: &amp;amp;amp;">&nbsp;</span></p>
<p class="MsoNormal"><span style="font-family: &amp;amp;amp;"><a href="http://www.artemis.bm/blog/2017/10/23/california-wildfire-costs-rising-with-8400-structures-destroyed/"><span style="mso-bidi-font-size: 14.0pt; line-height: 106%;">Artemis &ndash; California wildfire costs rising with 8,400+ structures destroyed</span></a></span><span style="mso-bidi-font-size: 14.0pt; line-height: 106%; font-family: &amp;amp;amp;">&nbsp;</span></p>
<p class="MsoNormal"><span style="font-family: &amp;amp;amp;"><a href="https://drive.google.com/open?id=0B1erVr2M2Nf0Vk4tTkQ4MUltYXc"><span style="mso-bidi-font-size: 14.0pt; line-height: 106%;">Artemis &ndash; Expectation of higher reinsurance rates is rising, especially retro</span></a></span><span style="mso-bidi-font-size: 14.0pt; line-height: 106%; font-family: &amp;amp;amp;">&nbsp;</span></p>
<p class="MsoNormal"><span style="font-family: &amp;amp;amp;"><a href="http://willisgroupservices.com/PROD2LZ/Instances/PROD2lz/documents/Insurance%20Insider.pdf#page=19"><span style="mso-bidi-font-size: 14.0pt; line-height: 106%;">Insurance Insider &ndash; Q3 losses will be a capital event for many reinsurers, says Willis Re&rsquo;s Dirk Spenner</span></a></span><span style="mso-bidi-font-size: 14.0pt; line-height: 106%; font-family: &amp;amp;amp;">&nbsp;</span></p>
<p class="MsoNormal"><span style="font-family: &amp;amp;amp;"><a href="https://drive.google.com/open?id=0B1erVr2M2Nf0NzZKRGZQRlI0Ukk"><span style="mso-bidi-font-size: 14.0pt; line-height: 106%;">Insurance Insider &ndash; Q3 cat losses: industry and company level analysis</span></a></span><span style="mso-bidi-font-size: 14.0pt; line-height: 106%; font-family: &amp;amp;amp;">&nbsp;</span></p>
<p class="MsoNormal"><span style="font-family: &amp;amp;amp;"><a href="http://www.insuranceinsider.com/?page_id=1270091&amp;utm_source=Insider-Publishing&amp;utm_medium=Email&amp;utm_content=Untitled3&amp;utm_campaign=Global+reinsurance+rates+flat+to+up+5%25+at+1.1%3a+S%26P&amp;utm_cid=679"><span style="mso-bidi-font-size: 14.0pt; line-height: 106%;">Insurance Insider &ndash; Global reinsurance rates flat to up 5% at 1.1: S&amp;P</span></a></span><span style="mso-bidi-font-size: 14.0pt; line-height: 106%; font-family: &amp;amp;amp;">&nbsp;</span></p>
<p class="MsoNormal"><span style="font-family: &amp;amp;amp;"><a href="http://www.insuranceinsider.com/?page_id=1270271&amp;utm_source=Insider-Publishing&amp;utm_medium=Email&amp;utm_content=Untitled3&amp;utm_campaign=Munich+Re+expects+global+uplift+in+cat+pricing+post-HIM&amp;utm_cid=679"><span style="mso-bidi-font-size: 14.0pt; line-height: 106%;">Insurance Insider &ndash; Munich Re expects global uplift in cat pricing post-HIM</span></a></span><span style="mso-bidi-font-size: 14.0pt; line-height: 106%; font-family: &amp;amp;amp;">&nbsp;</span></p>
<p class="MsoNormal"><span style="font-family: &amp;amp;amp;"><a href="https://drive.google.com/open?id=0B1erVr2M2Nf0YW9yeVNDMGkweG8"><span style="mso-bidi-font-size: 14.0pt; line-height: 106%;">Bank of America Merrill Lynch - Brunt of the losses will fall on the reinsurers</span></a></span><span style="mso-bidi-font-size: 14.0pt; line-height: 106%; font-family: &amp;amp;amp;">&nbsp;</span></p>
<p class="MsoNormal"><span style="font-family: &amp;amp;amp;"><a href="https://drive.google.com/open?id=0B1erVr2M2Nf0bmxpdVFSbmlCdmc"><span style="mso-bidi-font-size: 14.0pt; line-height: 106%;">Intelligent Insurer &ndash; Hannover Re looks for 40-50% cat rate increases in Florida</span></a></span><span style="mso-bidi-font-size: 14.0pt; line-height: 106%; font-family: &amp;amp;amp;">&nbsp;</span></p>
<p class="MsoNormal"><span style="font-family: &amp;amp;amp;"><a href="https://drive.google.com/open?id=0B1erVr2M2Nf0ZUljbU5ucy1zUzg"><span style="mso-bidi-font-size: 14.0pt; line-height: 106%;">Intelligent Insurer &ndash; Nat cat losses to become capital event for reinsurers: S&amp;P</span></a></span></p>
<p class="MsoNormal"><span style="font-family: &amp;amp;amp;">&nbsp;</span></p>
<p class="MsoNormal" style="text-align: center;"><strong><span style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; line-height: 106%; font-family: &amp;amp;amp;">&nbsp;</span></strong></p>
<p class="MsoNormal" style="text-align: center;"><strong><span style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; line-height: 106%; font-family: &amp;amp;amp;">Now is not the time to burden those who are trying to rebuild with additional taxes.</span></strong><strong><span style="font-size: 12.0pt; mso-bidi-font-size: 14.0pt; line-height: 106%; font-family: &amp;amp;amp;">&nbsp;</span></strong></p>
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