Oxbridge Re Holdings Limited

Good afternoon. Welcome to Oxbridge's first quarter 2026 earnings call. My name is Dine and I will be your conference operator this afternoon. At this time, all participants will be in a listen-only mode. Joining us on today's presentation is Oxbridge's Chairman, President and Chief Executive Officer, Jay Madhu. and Chief Financial Officer and Corporate Secretary, Randon 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 May 21, 2026. Details for the telephone replay are included in the press release issued today. Now, I would like to turn the call over to Randon Timothy. Chief Financial Officer of Oxbridge, who will provide the necessary quotients regarding the forward-looking statements that will be made by management during this call. Please go ahead, sir.

Thank you, operator. During today's call, there will be forward-looking statements made regarding future events, including Oxbridge Reef's future financial performance. These forward-looking statements are made pursuant to the Private Securities Investigation Reform Act of 1995. Words such as anticipates, estimates, expects, intends, 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 to differ materially from such forward-looking statements is included in the section entitled risk factors. 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 in turn can 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 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 the chairman, president, and chief executive officer, Jay Meadows.

Jay? Thank you, Brendan, and welcome, everyone. Thank you for joining us today. Let me start by saying we're proud of the strong performance of business and progress we're making executing on a long-term strategy. At our core, we are a disciplined reinsurance collectivized 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 risks where sufficient data exists to rigorously evaluate the risk-return profile. We emphasize disciplined risk selection. appropriate pricing, and thoughtful structuring, supported by fully collateralization to ensure transparency and alignment. At the same time, we continue Advance Insurance Plus and our broader real-world asset initiatives, expanding access, tokenized reinsurance opportunities through strategic ecosystem relationships involving Solana, Alpha Ledger, and Layer Zero. As we approach May 31st, 2026, conclusion of the current contract season, our existing tokenized reinsurance offerings remain unaffected, with the balanced yield token currently cracking 25% ahead of its original 20% targeted return, while the high yield token remains on track towards its 42% targeted return. We believe this combination of underwriting discipline, platform development, positions, Oxfords, well, as we continue executing on opportunities within the growing real-world asset market. I will now turn the call over to Randon to take us through our financial results.