Everest Re Group, Ltd. (Group), through its subsidiaries, is engaged in the underwriting of reinsurance and insurance in the United States, Bermuda and international markets. The Company underwrites reinsurance both through brokers and directly with ceding companies, giving it the flexibility to pursue business based on the ceding company’s preferred reinsurance purchasing method. The Company underwrites insurance principally through general agent relationships, brokers and surplus lines brokers. The subsidiaries of the Company are: Bermuda Re, Everest International Reinsurance, Ltd., Mt. Logan Re, Ireland Re, Everest Re, Everest Insurance Company of Canada, Everest National Insurance Company, Everest Indemnity Insurance Company, Everest Security Insurance Company, Heartland Crop Insurance, Inc. The Company’s segments include U.S. Reinsurance segment, International segment, Bermuda segment, Insurance segment and Mt. Logan Re segment.