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4
OBERTING KERNAN V filed this Form 4 on 02/27/2015
Entire Document
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SEC FORM 4 SEC Form 4
FORM 4 UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940
OMB APPROVAL
OMB Number: 3235-0287
Estimated average burden
hours per response: 0.5
  
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
1. Name and Address of Reporting Person*
Oberting Kernan V

(Last) (First) (Middle)
C/O 80 S. MAIN ST.

(Street)
HANOVER NH 03755

(City) (State) (Zip)
2. Issuer Name and Ticker or Trading Symbol
WHITE MOUNTAINS INSURANCE GROUP LTD [ WTM ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
Director 10% Owner
X Officer (give title below) Other (specify below)
Managing Director
3. Date of Earliest Transaction (Month/Day/Year)
02/25/2015
4. If Amendment, Date of Original Filed (Month/Day/Year)
6. Individual or Joint/Group Filing (Check Applicable Line)
X Form filed by One Reporting Person
Form filed by More than One Reporting Person
Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4)
Code V Amount (A) or (D) Price
Common Shares (Restricted) 02/25/2015 A 265(1) A $0 5,215 D
Common Shares 1,436(2) D
Common Shares 1 I by spouse
Common Shares 5 I by dependent children
Common Shares 11 I by 401(k)
Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year) 3A. Deemed Execution Date, if any (Month/Day/Year) 4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 6. Date Exercisable and Expiration Date (Month/Day/Year) 7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4)
Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares
Explanation of Responses:
1. On February 25, 2015, the Reporting Person received a restricted share award of 265 Common Shares which vest on January 1, 2018.
2. Reflects reclassification of holdings of 6 Common Shares from direct to indirect, resulting from transfers made to spouse and dependent children.
Remarks:
Jason R. Lichtenstein, by Power of Attorney 02/27/2015
** Signature of Reporting Person Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
Know all by these presents, that the undersigned hereby 
constitutes and appoints each of Robert L. Seelig, General 
Counsel, and Jennifer L. Pitts, Secretary, of White 
Mountains Insurance Group, Ltd. (WTM), and Jason R. Lichtenstein, 
Vice President & Associate General Counsel of White Mountains 
Capital, Inc., signing singly, the undersigned's true and 
lawful attorney-in-fact to: (1) execute for and on behalf 
of the undersigned, in the undersigned's capacity as a 
legal entity, Forms 3, 4, and 5 in accordance with Section 
16(a) of the Securities Exchange Act of 1934 and the rules 
thereunder; (2) do and perform any and all acts for and on 
behalf of the undersigned which may be necessary or desirable 
to complete and execute any such Form 3, 4, or 5, complete 
and execute any amendment or amendments thereto, and timely 
file such form with the United States Securities and Exchange 
Commission and any stock exchange or similar authority; and   
(3) take any other action of any type whatsoever in connection 
with the foregoing which, in the opinion of such attorney-in-fact, 
may be of benefit to, in the best interest of, or legally 
required by, the undersigned, it being understood that the 
documents executed by such attorney-in-fact on behalf of the 
undersigned
 pursuant to this Power of Attorney shall be in 
such form and shall contain such terms and conditions as such 
attorney-in-fact may approve in such attorney-in-fact's discretion. 
The undersigned hereby grants to each such attorney-in-fact full 
power and authority to do and perform any and every act and thing 
whatsoever requisite, necessary, or proper to be done in the 
exercise of any of the rights and powers herein granted, as 
fully to all intents and purposes as the undersigned might or 
could do if personally present, with full power of substitution or
revocation, hereby ratifying and confirming all that such 
attorney-in-fact, or such attorney-in-fact's substitute or 
substitutes, shall lawfully do or cause to be done by virtue of 
this power of attorney and the rights and powers herein granted.  
The undersigned acknowledges that the foregoing attorneys-in-fact, 
in serving in such capacity at the request of the undersigned, 
are not rendering legal advice of any form, other than 
satisfying regulatory filing requirements, with respect to 
any transactions to be reported on Forms 3, 4 and 5 are not 
assuming any of the undersigned's responsibilities to comply 
with Section 16 of the Securities Exchange Act of 1934.
The undersigned hereby grants this Power of Attorney with the 
understanding that information provided to each such 
attorney-in-fact is strictly confidential and will not be 
disclosed to senior management, directors or other third parties 
whether affiliated or otherwise and will be used solely to 
complete and execute any such Form 3, 4 or 5, complete and 
execute any amendment or amendments thereto, and timely file 
such form with the United States Securities and Exchange 
Commission and any stock exchange or similar authority.
This Power of Attorney shall remain in full force and effect 
until the undersigned is no longer required to file Forms 3, 
4, and 5 with respect to the undersigned's, or any affiliate 
of WTM, holdings of and transactions in publicly-traded 
securities, unless earlier revoked by the undersigned in 
a signed writing delivered to the foregoing attorneys-in-fact. 
IN WITNESS WHEREOF, the undersigned has caused this Power 
of Attorney to be executed as of 
this 27nd day of February 2013. 


/s/ Kernan V. Oberting




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