UFG Insurance Investor Presentation

10 UFG INSURANCE - INVESTOR PRESENTATION - MARCH 2021 2021 Notables ■ Texas winter storm event (February 2021) Significant CAT event for UFG based on initial estimates ■ Reminder: UFG CAT loss retention is $20 million per event Expense initiatives Agent commission structure adjustments Employee retirement benefit plan design changes ■ Vendor management office ufgl INSURANCE

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