BF&M Limited (“BF&M”, “BF&M Group” or “the Company”) is a publicly traded holding company, listed on the Bermuda Stock Exchange. Headquartered in Bermuda, we conduct business through the BF&M and Island Heritage trading names. We have a proud legacy, having started our business in Bermuda in 1903. Throughout our Group of companies, we take great pride in helping communities protect what matters most. Operating in Bermuda and the Caribbean region, we provide insurance, investments and employee benefits solutions. Superior coverage and customer service, and long-lasting relationships are BF&M hallmarks. Our financial track record and market-leading, independent A.M. Best financial strength ratings make BF&M the premier insurance provider across the 15 jurisdictions where we do business. Our offices are located in Bermuda, Cayman, Barbados, Bahamas and Halifax, Canada. BF&M's offerings include residential and commercial property, casualty, individual health and group employee benefits. In addition, the Company offers pension administration and investment advisory services. By providing a broad range of the insurance and investment products and services required by residents and businesses in the jurisdictions where we conduct business, as well as financial strength, we strive to bring peace of mind to our clients. This is the cornerstone of our success. Our mission: • To strengthen and further develop our position as the leading insurer in the jurisdictions where we do business, through a professional, innovative and caring approach to meeting all of the insurance needs of the communities we serve. • Through the excellence of our service, we intend to satisfy the aspirations of our staff, the needs of our policyholders, and the requirements of our shareholders.