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Investor Presentaiton

RUN-OFF RESERVE / CLAIMS SAVINGS Reconciliation of reserve / claims savings to GAAP line items in the Run- off segment: FS Reference (1) Three Months Ended June 30, 2021 2020 Six Months Ended June 30, 2021 2020 Net incurred losses and LAE: Reduction (increase) in estimates of net ultimate losses - prior periods (A) Reduction (increase) in estimates of net ultimate losses - current period Reduction in provisions for unallocated LAE Note 8 $41,696 $55,910 $67,063 $83,473 Note 8 (40,445) (8,086) (83,135) (15,935) Note 8 15,746 12,425 28,444 19,904 Net incurred losses and LAE - Run-off Note 8 $16,997 $60,249 $12,372 $87,442 Other income (expense): Reduction in estimates of ultimate net defendant A&E liabilities - prior periods (B) Reduction (increase) in estimated future defendant A&E expenses Note 9 $4,450 $ Note 9 745 1,978 975 $14,002 $26,893 3,508 3,003 All other income (expense) - Run-off Other income (expense) - Run-off 1 (2,054) 1 (1,234) Note 22 $5,196 $899 $17,511 $28,662 Run-off reserve / claims savings: Reduction (increase) in estimates of net ultimate losses - prior periods = (A) Reduction in estimates of ultimate net defendant A&E liabilities - prior periods = (B) Reserve / claims savings: total reduction in net ultimate losses (2) = (A) + (B) Note 8 Note 9 $41,696 4,450 $55,910 $67,063 $83,473 $46,146 1,978 $57,888 14,002 26,893 $81,065 $110,366 (1) Refer to the corresponding note to our consolidated financial statements included within Item 1 of our Quarterly Report on Form 10-Q for the interim period ended June 30, 2021 for further details. (2) Reserve / Claims Savings is a non-GAAP measure calculated using components of amounts determined in accordance with U.S. GAAP and disclosed in our quarterly and annual U.S. GAAP consolidated financial statements. Reserve / Claims Savings is calculated by adding (i) the reduction (increase) in estimates of net ultimate losses relating to prior periods, included in net incurred losses and LAE, and (ii) the reduction (increase) in estimates of ultimate net defendant asbestos and environmental ("Defendant A&E") liabilities relating to prior periods, included in other income (expense). Because the reduction (increase) in estimates of ultimate Defendant A&E liabilities for prior periods is presented as a component of other income (expense) in our consolidated statement of earnings, there is not a U.S. GAAP measure that is directly comparable to Reserve/Claims Savings presented on a non-GAAP basis. However, we believe Reserve / Claims Savings provides investors with a meaningful measure of claims management performance within our Claims Management segment that is consistent with management's view of the business because it combines the reduction (increase) in estimates of net ultimate losses related to our direct exposure to certain acquired asbestos and environmental liabilities with the reduction (increase) in estimates of net ultimate losses related to liabilities that we have insured. ENSTAR Property of Enstar Group Limited - Not for Distribution 19
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