Sagicor Financial Company Ltd.

Good morning, my name is Anas, and I will be your conference operator today. At this time, I would like to welcome everyone to SAGICOR Financial Company's Second Quarter 2026 Earnings Call. All lines will be 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 chart from keypad. If you would like to answer a dirty question, please press star, then the number two. Thank you. Mr. George Sipsis, EVP Corporate Development and Capital Markets, you may begin your conference.

Thank you, Operator, and good morning, everyone. Thank you for joining us today to discuss Sagicor's second quarter 2026 results. Before we begin, I'd like to remind everyone that our disclosures are available on our investor relations website at investors.sagicor.com, which include a press release, financial statements, MD&A, and the supplemental information package, which contains 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 Q&A period being reserved for financial research analysts. I would like to refer 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 SagCorp'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 filings and earnings 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, Andre Mousseau, our Chief Financial Officer, Kathy Jenkins, and Anthony Chandler, our Chief Controller. We'll begin with prepared remarks by Andre and Kathy, followed by a Q&A session. With that, I will pass the call to our President and CEO, Andre Mousseau.

Thank you, George. Good morning, everybody. Thank you for joining us. We are pleased to report another solid quarter for Q2 2026. Our core earnings returned to our target levels as insurance experience was broadly in line with our expectations. Our net income was significantly higher than our core earnings as market volatility on asset prices worked in our favor this quarter. We continue to make excellent progress on our strategic initiatives to drive ROE expansion and future growth, which I'll come back to after Kathy goes through a more detailed financial review of Q2. Kathy?