Essent Group Ltd. Announces Fourth Quarter & Full Year 2021 Results and Increases Quarterly Dividend

HAMILTON, Bermuda–(BUSINESS WIRE)–Essent Group Ltd. (NYSE: ESNT) today reported net income for the quarter ended December 31, 2021 of $181.0 million or $1.64 per diluted share, compared to $123.6 million or $1.10 per diluted share for the quarter ended December 31, 2020. For the full year 2021, net income was $681.8 million or $6.11 per diluted share, compared to $413.0 million or $3.88 per diluted share for 2020.

Essent also announced today that its Board of Directors has declared a quarterly cash dividend of $0.20 per common share. The dividend is payable on March 21, 2022, to shareholders of record on March 10, 2022.

“We are pleased with our fourth quarter and full year 2021 financial results, which reflect our continued focus on optimizing our unit economics in generating high-quality earnings and strong returns,” said Mark A. Casale, Chairman and Chief Executive Officer. “Our strong operating performance also generated excess capital, which we continued to deploy in a balanced manner between reinvestment in our franchise and distribution to shareholders. In connection with this, we are pleased to announce that our Board has approved an increase in our quarterly dividend to $0.20 per share.”

Fourth Quarter & Full Year 2021 Financial Highlights:

• Insurance in force as of December 31, 2021 was $207.2 billion, compared to $208.2 billion as of September 30, 2021 and $198.9 billion as of December 31, 2020.
• New insurance written for the fourth quarter was $16.4 billion, compared to $23.6 billion in the third quarter of 2021 and $29.6 billion in the fourth quarter of 2020.
• Net premiums earned for the fourth quarter were $217.3 million, compared to $218.7 million in the third quarter of 2021 and $222.3 million in the fourth quarter of 2020.
• Income from other invested assets for the fourth quarter included $12.0 million, or $0.09 per diluted share on an after-tax basis, pertaining to net unrealized gains associated with strategic investments in limited partnerships.
• The expense ratio for the fourth quarter was 19.0%, compared to 19.3% in the third quarter of 2021 and 16.6% in the fourth quarter of 2020.
• The provision for losses and LAE for the fourth quarter was a benefit of $3.4 million, compared to a benefit of $7.5 million in the third quarter of 2021 and a provision of $62.1 million in the fourth quarter of 2020.
• The percentage of loans in default as of December 31, 2021 was 2.16%, compared to 2.47% as of September 30, 2021 and 3.93% as of December 31, 2020.
• The combined ratio for the fourth quarter was 17.4%, compared to 15.9% in the third quarter of 2021 and 44.5% in the fourth quarter of 2020.
• The consolidated balance of cash and investments at December 31, 2021 was $5.2 billion, which includes holding company net cash and investments available for sale of $618.3 million.
• The combined risk-to-capital ratio of the U.S. mortgage insurance business, which includes statutory capital for both Essent Guaranty, Inc. and Essent Guaranty of PA, Inc., was 10.4:1 as of December 31, 2021.
• On November 10, 2021, Essent Guaranty, Inc. obtained $439.4 million of fully collateralized excess of loss reinsurance coverage on mortgage insurance policies written by Essent in April 1, 2021 through September 30, 2021 from Radnor Re 2021-2 Ltd., a newly formed Bermuda special purpose insurer. Radnor Re 2021-2 Ltd. is not a subsidiary or an affiliate of Essent Group Ltd.
• On December 10, 2021, Essent Group Ltd. entered into an amended and restated credit facility, increasing to $825 million the committed capacity and extending the contractual maturity to December 10, 2026.

Conference Call:

Essent management will hold a conference call at 10:00 AM Eastern time today to discuss its results. The conference call will be broadcast live over the Internet at http://ir.essentgroup.com/events-and-presentations/events/default.aspx. The call may also be accessed by dialing 888-510-2507 inside the U.S., or 646-960-0351 for international callers, using passcode 9824537 or by referencing Essent.

A replay of the webcast will be available on the Essent website approximately two hours after the live broadcast ends for a period of one year. A replay of the conference call will be available approximately two hours after the call ends for a period of two weeks, using the following dial-in numbers and passcode: 800-770-2030 inside the U.S., or 647-362-9199 for international callers, passcode 9824537.

In addition to the information provided in the Company’s earnings news release, other statistical and financial information, which may be referred to during the conference call, will be available on Essent’s website at http://ir.essentgroup.com/financials/quarterly-results/default.aspx.

Forward-Looking Statements:

This press release may include “forward-looking statements” which are subject to known and unknown risks and uncertainties, many of which may be beyond our control. Forward-looking statements generally can be identified by the use of forward-looking terminology such as “may,” “will,” “should,” “expect,” “plan,” “anticipate,” “believe,” “estimate,” “predict,” or “potential” or the negative thereof or variations thereon or similar terminology. Actual events, results and outcomes may differ materially from our expectations due to a variety of known and unknown risks, uncertainties and other factors. Although it is not possible to identify all of these risks and factors, they include, among others, the following: the impact of COVID-19 and related economic conditions; changes in or to Fannie Mae and Freddie Mac (the “GSEs”), whether through Federal legislation, restructurings or a shift in business practices; failure to continue to meet the mortgage insurer eligibility requirements of the GSEs; competition for customers; lenders or investors seeking alternatives to private mortgage insurance; an increase in the number of loans insured through Federal government mortgage insurance programs, including those offered by the Federal Housing Administration; decline in new insurance written and franchise value due to loss of a significant customer; decline in the volume of low down payment mortgage originations; the definition of “Qualified Mortgage” reducing the size of the mortgage origination market or creating incentives to use government mortgage insurance programs; the definition of “Qualified Residential Mortgage” reducing the number of low down payment loans or lenders and investors seeking alternatives to private mortgage insurance; the implementation of the Basel III Capital Accord discouraging the use of private mortgage insurance; a decrease in the length of time that insurance policies are in force; uncertainty of loss reserve estimates; deteriorating economic conditions; our non-U.S. operations becoming subject to U.S. Federal income taxation; becoming considered a passive foreign investment company for U.S. Federal income tax purposes; and other risks and factors described in Part I, Item 1A “Risk Factors” of our Annual Report on Form 10-K for the year ended December 31, 2020 filed with the Securities and Exchange Commission on February 26, 2021, as subsequently updated through other reports we file with the Securities and Exchange Commission. Any forward-looking information presented herein is made only as of the date of this press release, and we do not undertake any obligation to update or revise any forward-looking information to reflect changes in assumptions, the occurrence of unanticipated events, or otherwise.

About the Company:

Essent Group Ltd. (NYSE: ESNT) is a Bermuda-based holding company (collectively with its subsidiaries, “Essent”) which, through its wholly-owned subsidiary, Essent Guaranty, Inc., offers private mortgage insurance for single-family mortgage loans in the United States. Essent provides private capital to mitigate mortgage credit risk, allowing lenders to make additional mortgage financing available to prospective homeowners. Headquartered in Radnor, Pennsylvania, Essent Guaranty, Inc. is licensed to write mortgage insurance in all 50 states and the District of Columbia, and is approved by Fannie Mae and Freddie Mac. Essent also offers mortgage-related insurance, reinsurance and advisory services through its Bermuda-based subsidiary, Essent Reinsurance Ltd. Essent is committed to supporting environmental, social and governance (“ESG”) initiatives that are relevant to the company and align with the companywide dedication to responsible corporate citizenship that positively impacts the community and people served. Additional information regarding Essent may be found at www.essentgroup.com and www.essent.us.

Source: Essent Group Ltd.

Essent Group Ltd. and Subsidiaries
Financial Results and Supplemental Information (Unaudited)
Quarter and Year Ended December 31, 2021
Exhibit A		Condensed Consolidated Statements of Comprehensive Income (Unaudited)
Exhibit B		Condensed Consolidated Balance Sheets (Unaudited)
Exhibit C		Historical Quarterly Data
Exhibit D		New Insurance Written
Exhibit E		Insurance in Force and Risk in Force
Exhibit F		Other Risk in Force
Exhibit G		Portfolio Vintage Data
Exhibit H		Reinsurance Vintage Data
Exhibit I		Portfolio Geographic Data
Exhibit J		Rollforward of Defaults and Reserve for Losses and LAE
Exhibit K		Detail of Reserves by Default Delinquency
Exhibit L		Investments Available for Sale
Exhibit M		Insurance Company Capital

													Exhibit A
Essent Group Ltd. and Subsidiaries
Condensed Consolidated Statements of Comprehensive Income (Unaudited)
	Three Months Ended December 31,								Year Ended December 31,
(In thousands, except per share amounts)		2021				2020				2021				2020
Revenues:
Direct premiums written	$	224,972			$	245,437			$	918,406			$	922,851
Ceded premiums		(26,476	)			(31,194	)			(110,914	)			(88,738	)
Net premiums written		198,496				214,243				807,492				834,113
Decrease in unearned premiums		18,825				8,096				65,051				28,451
Net premiums earned		217,321				222,339				872,543				862,564
Net investment income		23,661				20,949				88,765				80,087
Realized investment (losses) gains, net		(191	)			564				418				2,697
Income (loss) from other invested assets		14,997				2				56,386				(215	)
Other income		1,128				3,345				10,398				10,021
Total revenues		256,916				247,199				1,028,510				955,154
Losses and expenses:
(Benefit) provision for losses and LAE		(3,433	)			62,073				31,057				301,293
Other underwriting and operating expenses		41,232				36,825				166,857				154,691
Interest expense		2,095				2,149				8,282				9,074
Total losses and expenses		39,894				101,047				206,196				465,058
Income before income taxes		217,022				146,152				822,314				490,096
Income tax expense		36,035				22,550				140,531				77,055
Net income	$	180,987			$	123,602			$	681,783			$	413,041
Earnings per share:
Basic	$	1.65			$	1.10			$	6.13			$	3.89
Diluted		1.64				1.10				6.11				3.88
Weighted average shares outstanding:
Basic		109,550				111,908				111,164				106,098
Diluted		110,028				112,310				111,555				106,376
Net income	$	180,987			$	123,602			$	681,783			$	413,041
Other comprehensive income (loss):
Change in unrealized (depreciation) appreciation of investments		(27,807	)			5,840				(87,567	)			82,087
Total other comprehensive (loss) income		(27,807	)			5,840				(87,567	)			82,087
Comprehensive income	$	153,180			$	129,442			$	594,216			$	495,128
Loss ratio		(1.6	%)			27.9	%			3.6	%			34.9	%
Expense ratio		19.0				16.6				19.1				17.9
Combined ratio		17.4	%			44.5	%			22.7	%			52.9	%

					Exhibit B
Essent Group Ltd. and Subsidiaries
Condensed Consolidated Balance Sheets (Unaudited)
	December 31,				December 31,
(In thousands, except per share amounts)	2021				2020
Assets
Investments
Fixed maturities available for sale, at fair value	$	4,649,800			$	3,838,513
Short-term investments available for sale, at fair value		313,087				726,860
Total investments available for sale		4,962,887				4,565,373
Other invested assets		170,472				88,904
Total investments		5,133,359				4,654,277
Cash		81,491				102,830
Accrued investment income		26,546				19,948
Accounts receivable		46,157				50,140
Deferred policy acquisition costs		12,178				17,005
Property and equipment		11,921				15,095
Prepaid federal income tax		360,810				302,636
Other assets		49,712				40,793
Total assets	$	5,722,174			$	5,202,724
Liabilities and Stockholders’ Equity
Liabilities
Reserve for losses and LAE	$	407,445			$	374,941
Unearned premium reserve		185,385				250,436
Net deferred tax liability		373,654				305,109
Credit facility borrowings, net of deferred costs		419,823				321,720
Other accrued liabilities		99,753				87,885
Total liabilities		1,486,060				1,340,091
Commitments and contingencies
Stockholders’ Equity
Common shares, $0.015 par value:
Authorized – 233,333; issued and outstanding – 109,377 shares in 2021 and 112,423 shares in 2020		1,641				1,686
Additional paid-in capital		1,428,952				1,571,163
Accumulated other comprehensive income		50,707				138,274
Retained earnings		2,754,814				2,151,510
Total stockholders’ equity		4,236,114				3,862,633
Total liabilities and stockholders’ equity	$	5,722,174			$	5,202,724
Return on average equity		16.8	%			12.1	%

																		Exhibit C
Essent Group Ltd. and Subsidiaries
Supplemental Information
Historical Quarterly Data
		2021																	2020
Selected Income Statement Data		December 31				September 30				June 30				March 31				December 31
(In thousands, except per share amounts)
Revenues:
Net premiums earned:
U.S. Mortgage Insurance Portfolio		$	205,877			$	207,127			$	204,149			$	207,840			$	208,715
GSE and other risk share			11,444				11,591				13,288				11,227				13,624
Net premiums earned			217,321				218,718				217,437				219,067				222,339
Income from other invested assets (1)			14,997				40,741				122				526				2
Other revenues (2)			24,598				24,077				25,702				25,204				24,858
Total revenues			256,916				283,536				243,261				244,797				247,199
Losses and expenses:
(Benefit) provision for losses and LAE			(3,433	)			(7,483	)			9,651				32,322				62,073
Other underwriting and operating expenses			41,232				42,272				41,114				42,239				36,825
Interest expense			2,095				2,063				2,073				2,051				2,149
Total losses and expenses			39,894				36,852				52,838				76,612				101,047
Income before income taxes			217,022				246,684				190,423				168,185				146,152
Income tax expense (3)			36,035				41,331				30,628				32,537				22,550
Net income		$	180,987			$	205,353			$	159,795			$	135,648			$	123,602
Earnings per share:
Basic		$	1.65			$	1.85			$	1.43			$	1.21			$	1.10
Diluted			1.64				1.84				1.42				1.21				1.10
Weighted average shares outstanding:
Basic			109,550				111,001				112,118				112,016				111,908
Diluted			110,028				111,387				112,454				112,378				112,310
Book value per share		$	38.73			$	37.58			$	36.32			$	34.75			$	34.36
Return on average equity (annualized)			17.2	%			19.9	%			16.0	%			13.9	%			13.0	%
Other Data:
Loss ratio (4)			(1.6	%)			(3.4	%)			4.4	%			14.8	%			27.9	%
Expense ratio (5)			19.0				19.3				18.9				19.3				16.6
Combined ratio			17.4	%			15.9	%			23.3	%			34.0	%			44.5	%
Credit Facility
Borrowings outstanding		$	425,000			$	325,000			$	325,000			$	325,000			$	325,000
Undrawn committed capacity		$	400,000			$	300,000			$	300,000			$	300,000			$	300,000
Weighted average interest rate (end of period)			1.79	%			2.13	%			2.13	%			2.13	%			2.19	%
Debt-to-capital			9.12	%			7.23	%			7.37	%			7.65	%			7.76	%
(1) Income from other invested assets for the three months ended September 30, 2021 includes $39.5 million of net unrealized gains, which includes $21.1 million of net unrealized gains that were accumulated in other comprehensive income at June 30, 2021 and prior periods.
(2) Certain of our third-party reinsurance agreements contain an embedded derivative as the premium ceded under those agreements will vary based on changes in interest rates. For each of the three month periods noted, Other revenues include net favorable (unfavorable) changes in the fair value of these embedded derivatives as follows: December 31, 2021: ($2,931); September 30, 2021: ($1,493); June 30, 2021: $950; March 31, 2021: ($606); December 31, 2020: ($209).
(3) Income tax expense for the quarters ended December 31, 2021 and March 31, 2021 includes $2,473 and $5,718, respectively, of discrete tax expense associated with an increase in the estimate of our beginning of the year deferred state income tax liability. Income tax expense for the quarters ended December 31, 2021 and September 30, 2021 includes $1,759 and $8,271, respectively, of discrete tax expense associated with realized and unrealized gains and losses.
(4) Loss ratio is calculated by dividing the provision for losses and LAE by net premiums earned.
(5) Expense ratio is calculated by dividing other underwriting and operating expenses by net premiums earned.

														Exhibit C, continued
Essent Group Ltd. and Subsidiaries
Supplemental Information
Historical Quarterly Data
		2021																	2020
Other Data, continued:		December 31				September 30				June 30				March 31				December 31
($ in thousands)
U.S. Mortgage Insurance Portfolio
Flow:
New insurance written		$	16,379,082			$	23,579,884			$	25,004,854			$	19,254,014			$	29,566,820
New risk written			4,331,531				6,273,735				6,445,864				4,616,450				7,051,173
Bulk:
New insurance written		$	416			$	—			$	—			$	—			$	—
New risk written			41				—				—				—				—
Total:
New insurance written		$	16,379,498			$	23,579,884			$	25,004,854			$	19,254,014			$	29,566,820
New risk written		$	4,331,572			$	6,273,735			$	6,445,864			$	4,616,450			$	7,051,173
Average insurance in force		$	207,388,906			$	206,732,478			$	199,739,297			$	197,749,668			$	195,670,925
Insurance in force (end of period)		$	207,190,544			$	208,216,549			$	203,559,859			$	197,091,191			$	198,882,352
Gross risk in force (end of period) (6)		$	52,554,246			$	52,457,020			$	50,835,835			$	48,951,602			$	49,565,150
Risk in force (end of period)		$	45,273,383			$	45,074,159			$	42,906,519			$	41,135,978			$	41,339,262
Policies in force			785,119				798,877				794,743				785,382				799,893
Weighted average coverage (7)			25.4	%			25.2	%			25.0	%			24.8	%			24.9	%
Annual persistency			65.4	%			62.2	%			58.3	%			56.1	%			60.1	%
Loans in default (count)			16,963				19,721				23,504				29,080				31,469
Percentage of loans in default			2.16	%			2.47	%			2.96	%			3.70	%			3.93	%
U.S. Mortgage Insurance Portfolio premium rate:
Base average premium rate (8)			0.42	%			0.42	%			0.43	%			0.44	%			0.44	%
Single premium cancellations (9)			0.03	%			0.03	%			0.03	%			0.04	%			0.05	%
Gross average premium rate			0.45	%			0.45	%			0.46	%			0.48	%			0.49	%
Ceded premiums			(0.05	%)			(0.05	%)			(0.05	%)			(0.06	%)			(0.06	%)
Net average premium rate			0.40	%			0.40	%			0.41	%			0.42	%			0.43	%
(6) Gross risk in force includes risk ceded under third-party reinsurance.
(7) Weighted average coverage is calculated by dividing end of period gross risk in force by end of period insurance in force.
(8) Base average premium rate is calculated by dividing annualized base premiums earned by average insurance in force for the period.
(9) Single premium cancellations is calculated by dividing annualized premiums on the cancellation of non-refundable single premium policies by average insurance in force for the period.

																			Exhibit D
Essent Group Ltd. and Subsidiaries
Supplemental Information
New Insurance Written: Flow
NIW by Credit Score
	Three Months Ended												Year Ended
	December 31, 2021						December 31, 2020						December 31, 2021						December 31, 2020
($ in thousands)
>=760	$	6,643,740		40.6	%		$	13,330,379		45.1	%		$	34,422,627		40.9	%		$	48,037,084		44.5	%
740-759		2,833,379		17.3				5,069,530		17.1				13,691,394		16.3				19,385,541		17.9
720-739		2,472,738		15.1				4,134,782		14.0				12,789,715		15.2				15,744,485		14.6
700-719		2,170,829		13.2				3,385,670		11.5				11,499,406		13.6				12,409,936		11.5
680-699		1,504,268		9.2				1,743,694		5.9				7,359,569		8.7				6,871,511		6.4
<=679		754,128		4.6				1,902,765		6.4				4,455,123		5.3				5,495,357		5.1
Total	$	16,379,082		100.0	%		$	29,566,820		100.0	%		$	84,217,834		100.0	%		$	107,943,914		100.0	%
Weighted average credit score		745						748						745						749
NIW by LTV
	Three Months Ended												Year Ended
	December 31, 2021						December 31, 2020						December 31, 2021						December 31, 2020
($ in thousands)
85.00% and below	$	1,799,336		11.0	%		$	6,317,550		21.4	%		$	11,460,273		13.6	%		$	20,124,987		18.6	%
85.01% to 90.00%		4,372,552		26.7				9,629,373		32.6				23,565,227		28.0				34,020,882		31.5
90.01% to 95.00%		7,722,842		47.1				11,134,923		37.6				37,813,167		44.9				42,517,221		39.4
95.01% and above		2,484,352		15.2				2,484,974		8.4				11,379,167		13.5				11,280,824		10.5
Total	$	16,379,082		100.0	%		$	29,566,820		100.0	%		$	84,217,834		100.0	%		$	107,943,914		100.0	%
Weighted average LTV		92	%					91	%					92	%					91	%
NIW by Product
	Three Months Ended												Year Ended
	December 31, 2021						December 31, 2020						December 31, 2021						December 31, 2020
Single Premium policies				2.7	%					7.7	%					3.8	%					9.0	%
Monthly Premium policies				97.3						92.3						96.2						91.0
				100.0	%					100.0	%					100.0	%					100.0	%
NIW by Purchase vs. Refinance
	Three Months Ended												Year Ended
	December 31, 2021						December 31, 2020						December 31, 2021						December 31, 2020
Purchase				92.1	%					61.6	%					82.1	%					60.4	%
Refinance				7.9						38.4						17.9						39.6
				100.0	%					100.0	%					100.0	%					100.0	%

																	Exhibit E
Essent Group Ltd. and Subsidiaries
Supplemental Information
Insurance in Force and Risk in Force
Portfolio by Credit Score
IIF by FICO score		December 31, 2021						September 30, 2021						December 31, 2020
($ in thousands)
>=760		$	85,501,113		41.3	%		$	85,833,588		41.2	%		$	82,452,139		41.5	%
740-759			35,111,019		17.0				35,234,863		16.9				34,538,761		17.3
720-739			31,158,325		15.0				31,291,415		15.1				29,599,646		14.9
700-719			26,105,790		12.6				26,136,910		12.6				23,807,982		12.0
680-699			16,819,629		8.1				16,758,439		8.0				15,538,235		7.8
<=679			12,494,668		6.0				12,961,334		6.2				12,945,589		6.5
Total		$	207,190,544		100.0	%		$	208,216,549		100.0	%		$	198,882,352		100.0	%
Weighted average credit score			745						745						745
Gross RIF by FICO score		December 31, 2021						September 30, 2021						December 31, 2020
($ in thousands)
>=760		$	21,488,011		40.9	%		$	21,414,607		40.8	%		$	20,336,799		41.0	%
740-759			8,992,181		17.1				8,958,297		17.1				8,682,265		17.5
720-739			8,029,952		15.3				8,020,171		15.3				7,504,065		15.1
700-719			6,693,045		12.7				6,652,117		12.7				5,970,851		12.1
680-699			4,299,245		8.2				4,250,044		8.1				3,887,059		7.9
<=679			3,051,812		5.8				3,161,784		6.0				3,184,111		6.4
Total		$	52,554,246		100.0	%		$	52,457,020		100.0	%		$	49,565,150		100.0	%
Portfolio by LTV
IIF by LTV		December 31, 2021						September 30, 2021						December 31, 2020
($ in thousands)
85.00% and below		$	27,362,267		13.2	%		$	28,452,535		13.7	%		$	27,308,296		13.7	%
85.01% to 90.00%			59,567,378		28.7				60,257,704		28.9				58,606,394		29.5
90.01% to 95.00%			91,350,909		44.1				90,957,363		43.7				86,169,485		43.3
95.01% and above			28,909,990		14.0				28,548,947		13.7				26,798,177		13.5
Total		$	207,190,544		100.0	%		$	208,216,549		100.0	%		$	198,882,352		100.0	%
Weighted average LTV			92	%					92	%					92	%
Gross RIF by LTV		December 31, 2021						September 30, 2021						December 31, 2020
($ in thousands)
85.00% and below		$	3,200,124		6.1	%		$	3,311,106		6.3	%		$	3,142,034		6.3	%
85.01% to 90.00%			14,366,450		27.3				14,506,577		27.7				14,061,553		28.4
90.01% to 95.00%			26,592,162		50.6				26,410,513		50.3				24,895,471		50.2
95.01% and above			8,395,510		16.0				8,228,824		15.7				7,466,092		15.1
Total		$	52,554,246		100.0	%		$	52,457,020		100.0	%		$	49,565,150		100.0	%
Portfolio by Loan Amortization Period
IIF by Loan Amortization Period		December 31, 2021						September 30, 2021						December 31, 2020
($ in thousands)
FRM 30 years and higher		$	198,243,758		95.7	%		$	198,392,156		95.3	%		$	187,704,000		94.4	%
FRM 20-25 years			3,658,366		1.8				3,974,602		1.9				4,365,585		2.2
FRM 15 years			3,996,684		1.9				4,419,750		2.1				4,776,068		2.4
ARM 5 years and higher			1,291,736		0.6				1,430,041		0.7				2,036,699		1.0
Total		$	207,190,544		100.0	%		$	208,216,549		100.0	%		$	198,882,352		100.0	%

Contacts

Media Contact
610.230.0556

[email protected]

Investor Relations Contact
Philip Stefano

Vice President, Investor Relations

855-809-ESNT

[email protected]

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