Sagicor Financial Company Ltd.

Good morning, ladies and gentlemen, and welcome to the Sagicor Financial Company's third quarter 2025 earnings call. At this time, all lines are in listen-only mode. Following the presentation, we will conduct the question and answer session. If at any time during this call you record an agent's assistance, please press star zero for the operator. This call is being recorded on Friday, November 14, 2025. I would now like to turn the conference over to George Sipsis. Please go ahead.

Thank you, Operator, and hello, everyone. Thank you for joining us today to discuss Sagicor's third quarter 2025 results. I'd like to point out that our disclosures are available under the Investor Relations tab on our website at sagicor.com or at investors.sagicor.com, which includes a press release, financial statements, MD&A, and the supplemental information package containing core earnings, drivers of earnings, and additional disclosures. The link to our live webcast is also available on our website. This conference call is open to the financial community, investors, the media, and the public with a reminder that the Q&A period is reserved for financial research analysts. I will begin by referring you to the cautionary language and disclaimers in our materials and public filings regarding the use of forward-looking statements and the use of non-IFRS financial measures and ratios, which may be mentioned as part of our remarks today. I would also like to remind the audience that actual results regarding forward-looking information could differ materially. And please note that a detailed discussion of Satricor's risk factors is provided in our MD&A, which is available on CEDAR Plus and on our website. A discussion of the assumptions underlying our expectations is provided in our previous filings and earnings release. Unless otherwise noted, all dollar amounts referenced will be in U.S. dollars, consistent with our reporting practice. Joining me today is our President and CEO, Andre Mousseau, our Chief Financial Officer, Kathy Jenkins, and Anthony Chandler, our Chief Controller. We begin with prepared remarks by Andre and Cathy, followed by a Q&A session. With that, I'll pass the call to our President and CEO, Andre Moussel.

Thank you, George. Good morning, everybody. Thank you for joining us. I'm very pleased for us to announce another outstanding quarterly performance. On a core basis, our results reflect broad-based strength. Our Canadian business continues to show outstanding profitability, Our U.S. business grew its assets by about $250 million from the prior quarter and continues to generate strong spreads. And both of our Caribbean operating segments showed strong core profitability, reflecting progress on initiatives that we've been working on for years. Our net income to shareholders was $81 million, reflecting those strong core numbers plus a reversal of some of the income volatility that had gone the other way earlier in the year, and seemed endemic under the IFRS 17 standard. With these strong results, coupled with some opportunistic share buybacks, we're at a record book value per share, whether you follow in Canadian or U.S. dollars. Before handing off to Cathy, I would like to acknowledge the absolutely outstanding job our team in Jamaica has done in the lead-up to and the aftermath of Hurricane Melissa. Our business continuity plans were flawlessly executed, and we were out there serving clients across the island within hours of the storm passing. We have rallied our troops and are leading the recovery effort. While this may cause a temporary setback in the Jamaican economy, we're confident in the country and our company there, and we will build back stronger than ever. Now I'll hand over to Kathy to discuss the results of the quarter in a bit more depth.