Oxbridge Re Holdings Limited

Good afternoon. Welcome to Oxbridge's fiscal 2025 earnings call. My name is Shomali, 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's chairman, president, and chief executive officer, Jay Madhu, and chief financial officer and corporate secretary, Rendon Timothy. Following their remarks, we will open up the call for your questions. I would like to remind everyone that this call will be available via telephone replay until April 13th, 2026. Details for the 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 four lifting statements that will be made by management during this call.

Rendon Timothy, Chief Financial Officer of Oxbridge Thank you. During today's call, there will be forward-looking statements made regarding future events, including Oxford'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, intent, plans, projects, 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 risks and uncertainties that could cause actual results and events differ materially from all the statements is included in the section entitled Risk Factors contained in our Form 10-K file today, March of the year 2026, 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 volatility of our earnings, which in turn could cause significant market price and trade volume fluctuations for securities. Any forward-looking statements made on this conference call speak only as of the date of this conference call, and except 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'd like to turn the call over to our Chairman, President, and Chief Executive Officer, Jay Mendel.

Jay? Thank you, Randon, 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. At Accor, we are a disciplined reinsurance business, writing fully collateralized policies covering property catastrophe risk. We compete through selective data-driven underwriting with a focus on generating attractive risk-adjusted returns and long-term growth in book value per share. Our strategy centers on low-frequency, high-severity risk, where significant data exists to rigorously evaluate the risk return profile. We emphasize disciplined risk selection, appropriate pricing, and thoughtful structuring, supported by a fully collateralization to ensure transparency and alignment. Building on this foundation, Insurance Plus continues to expand our ability to bring reinsurance on-chain in a compliant and scalable manner. broadening access to an asset class that has historically been limited to institutional partnerships. We believe this combination of underwriting discipline and evolving platform capabilities positions Oxbridge well as we continue to execute our strategy and pursue opportunities within the growing real estate asset market. Pardon me, growing real world asset market. We now turn things over to Rendon to take us through our financial results.