Definity Financial Corporation

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Good morning, ladies and gentlemen, and welcome to the DFINITY Financial Corporation 4th Quarter of 2025 Financial Results Conference Call and Webcast. At this time, all lines are in listen-only mode. Following the presentation, we will conduct a question-and-answer session. If at any time during this call you require immediate assistance, please press star 0 for the operator. This call is being recorded on Friday, February 13, 2026. And I would now like to turn the conference over to Janice Westphal, VP of Investor Relations. Please go ahead.

Thank you. Good morning, everyone. Thank you for joining us on the call today. A link to our live webcast and background information for the call is posted on our website at definity.com under the Investors tab. As a reminder, the slide presentation contains a disclaimer on forward-looking statements, which also applies to our discussion on the conference call. Joining me on the call today are Rowan Saunders, President and CEO, Philip Mather, our Chief Financial Officer, Fabian Rickenberger, Chief Operating Officer, Paul McDonald, EVP of Personal Insurance and Digital Channels, and Obed Rahman, EVP of Commercial Insurance. We'll start with formal remarks from Rowan and Phil, followed by a Q&A session, during which Fabian, Paul, and Obed will be available to answer your questions. With that, I will ask Rowan to begin his remarks.