Exzeo Group, Inc.

Good afternoon and welcome to the XEO's Group Third Quarter 2025 Earnings Call. My name is Mark and I will be your conference operator. At this time, all participants will be in a listen-only mode. Before we begin today's call, I would like to remind everyone that this conference call is also being broadcast live by webcast and is available for webcast replay approximately four hours after the call through December 10, 2026 on the Investor Listen section of XEO's Group website at www.xeo.com. I would like to turn the call over to Bill Brumo, Vice President of Investor Relations. Bill, please proceed.

Thank you, and good afternoon. Welcome to Exio Group's third quarter 2025 earnings call. To access today's webcast, please visit the investor information section of our corporate website at www.exio.com. Before we begin, I would like to take the opportunity to remind our listeners that today's presentation and responses to questions may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as anticipate, estimate, expect, intend, plan, and 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. Some of these risks and uncertainties are identified in the company's filings with the Securities and Exchange Commission. Should any risks or uncertainties develop into actual events, these developments could have a material adverse effect on the company's business, financial condition, and results of operation. Exeo Group disclaims all the obligations to update any forward-looking statements. Now, with that, I'd like to turn the call over to Kevin Mitchell, president of Exio.

Thank you, Bill. Good afternoon, everyone, and thank you for joining us for Exio's first earnings call as a public company. This is an important milestone, and we appreciate the support of our investors, clients, and dedicated employees. For some on this call, Exio might be new, so I'd like to take a minute to quickly summarize who we are. XCO is a leading innovator in technology solutions, purpose-built for property and casualty insurance carriers, with a strong focus on the expansive homeowner's insurance market. Through our 100% internally developed insurance-as-a-service platform, XCO delivers a comprehensive suite of software tools and operational services that streamline nearly every aspect of the insurance carrier and agent operations. We believe our business model is highly compelling to insurance carriers. Our carrier clients pay fees tied to the amount of premium managed through the XCO platform with minimal upfront costs. This structure aligns our incentives directly with theirs. XCO grows in lockstep as our carrier partners expand their premium base. With our IPO now complete, Our focus shifts to expanding the managed premium on our platform and continuing to deliver exceptional margins and growth. As we laid out during the IPO process, XCO signed up a new client in the third quarter. We've since added another client in the fourth quarter. These two new clients bring the total carriers on the XCO platform to six. We remain on schedule. for these two new clients to begin adding revenue to our platform in the fourth quarter of this year. The revenue contribution will be modest initially, but we look forward to supporting these carriers as they grow in the future. As we successfully add new carriers, we believe this further validates the strength of our technology platform, and we are well positioned to build on this momentum as we move into next year. We recognize that adding managed premium to our platform will be an important metric for investors to track and measure our performance. And I am very pleased that our strategies to fuel that growth are well underway. Now I'll turn the call over to Suela, XEO's Chief Financial Officer, to provide more detail on our financial results.