Sagicor Financial Company Ltd.

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Good morning. My name is Joelle, and I will be your conference operator today. At this time, I would like to welcome everyone to Sagicor Financial Company's fourth quarter and full year 2025 earnings call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question and answer session. If you would like to ask a question during this time, simply press star, then the number one on your telephone keypad. If you would like to withdraw your question, please press star two. Thank you. Mr. George Sipsis, EVP Corporate Development and Capital Markets, you may begin your conference.

Thank you, Operator, and hello, everyone. Thank you for joining us today to discuss Sagicor's fourth quarter and full year 2025 results. As a reminder, our disclosures are available at our investor relations website 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, including guidance, 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 SADCOR's risk factors is provided in our MD&A, which is available on CDER Plus and on our website. A discussion of the assumptions underlying our expectations is provided in our previous filings and earning releases. 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, André Mousseau, our Chief Financial Officer, Cathy Jenkins, and Anthony Chandler, our Chief Controller. We'll 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 Mousseau.