Oxbridge Re Holdings Limited

Good afternoon. Welcome to Oxbridge's third quarter 2025 earnings call. My name is Rochelle and I will be your conference operator this afternoon. At this time, all participants will be in a listen-only mode. Joining us for today's presentation is Oxbridge Chairman, President and Chief Executive Officer Jay Madhu and Chief Financial Officer and Corporate Secretary Brendan Timothy. Following their remarks, we will open up the call for your questions. I would now like to remind everyone that this call will be available via telephone replay Until November 20th, 2025, details for telephone replay are included in the press release issued today. Now, I would like to turn the call over to Rendon Timothy, Chief Financial Officer of Oxbridge, who will provide the necessary cautions regarding the forward-looking statements that will be made by management during this call. Please go ahead.

Thank you, Operator. During today's call, there will be forward-looking statements made regarding future events, including Oxridge's future financial performance. These forward-looking statements are made pursuant to the Private Securities Litigation Reform Act of 1995. Words such as anticipate, estimate, expect, intend, plan, project, and other similar words and expressions are intended to signify forward-looking statements. Forward-looking statements are not guarantees of future results and conditions, but rather are subject to various risks and uncertainties. A detailed discussion of risk and uncertainties that can cause actual results and events that differ materially from such forward-looking statements is included in the section entitled Risk Factors, contained in our Form 10-K file on March 26, 2025, with the Securities and Exchange Commission. The occurrence of any of these risks and uncertainties could have a material adverse effect on the company's business. financial condition, and the volatility of our earnings, which could, in turn, cause significant market price and trading volume fluctuations for our securities. Any forward-looking statements made on this conference call speak only as of the date of this conference call and accept as required by law. The company undertakes no obligation to update any forward-looking statements contained on this call or in any company presentation, even if the company's expectations or any related events, conditions, or circumstances change. Now I would like to turn the call over to Chairman President and Chief Executive Officer, Jay Meadow.

Jay? Thank you, Rendon, and welcome, everyone. Thank you for joining us today. Let me start by saying we are proud of the significant steps we have taken to fortify and innovate our business by bringing reinsurance on-chain and broadening investor access. While we remain solidly rooted in our core reinsurance business, underwriting fully collateralized policies that cover property losses from specific catastrophes, We continue to compete effectively with large carriers by focusing on selective, data-driven underwriting. Our objective is to achieve long-term growth in book value per share by writing business on a selective and opportunistic basis that will generate attractive underwriting profits relative to risk. We specialize in low-frequency, high-severity risks where sufficient data exists to analyze the risk-return profile with discipline. We are intentional about risk selection, pricing, and structure, and we maintain full collateralization to protect counterparties and ensure transparency. Building on this foundation, in 2022, we start Insurance Plus, our Web3 real-world asset or RW subsidiary, dedicated to bringing reinsurance on-chain. AssurancePlus specializes in democratizing tokenized real-world assets, or RWAs, offering tokenized reinsurance securities as alternative investment opportunities. These securities leverage blockchain technology to support transparency and regulatory compliance, representing a meaningful advantage in the digital securities market. This initiative is designed to broaden investor participation, intending opportunities beyond what traditionally has been a select group of ultra-high net worth investors. We believe we are the first publicly traded company to issue tokenized reinsurance securities. We are advancing this focus and momentum. Our blend of disciplined underwriting and modern compliant technology is positioning Oxbridge for the opportunities ahead. Looking ahead, we remain focused on expanding Oxbridge's presence in the RWA and Web3 sector. In summary, we maintain a strong sense of optimism regarding the long-term outlook of our core reinsurance business alongside the successful integration of Assurance Plus as we embrace the RWA market more comprehensively. I will turn things over now to Randon to take us through our financial results. Randon?