Hello, and welcome to the FOXO Technologies Business Update Call for the second quarter ended June 30, 2023. My name is Chris, and I'll be your operator today. Prior to this call, FOXO issued its financial results for the second quarter, 2023 in a press release, a copy of which will be furnished in a report on Form 8-K filed with the SEC and will be available in the Investor Relations section of the company's website at www.foxotechnologies.com. You can find a link to the Investor Relations section at the top of the homepage. Joining us on today's call are FOXO's Interim CEO and Chief Technology Officer, Tyler Danielson, and its CFO, Robert Potashnick. Following their remarks, we will open the call for questions. Before we begin, Aisha Branch from FOXO Technologies will make a brief introductory statement. Ms. Branch? Thank you, operator. Hello, everyone, and welcome to the FOXO Technologies second quarter 2023 business update call. Before management begins their formal remarks, we would like to remind everyone that some statements we are making today may be considered forward-looking statements under securities law and involve risks and uncertainties. As a result, we caution you that there are many factors, many of which are beyond our control, which could cause actual results and events to differ materially from those described in the forward-looking statements. For those detailed risks, uncertainties and assumptions relating to our forward-looking statements, please see the disclosures in our earnings release and public filings made with the Securities and Exchange Commission. We disclaim any obligation and undertaking to update forward-looking statements to reflect circumstances or events that occur after the date the forward-looking statements are made, except as required by law. We will also discuss non-GAAP financial metrics and encourage you to read our disclosures and the reconciliation tables to applicable GAAP measures in our earnings release carefully as you consider these metrics. We refer you to our filings with the Securities and Exchange Commission for detailed disclosures and descriptions of our business, as well as uncertainties and other variable circumstances, including but not limited to risks and uncertainties identified under the caption Risk Factors in our filings. You may get FOXO's Securities and Exchange Commission filings for free by visiting the SEC website at www.sec.gov. I would also like to remind everyone that this call is being recorded and will be made available for replay via a link available in the Investor Relations section of FOXO's website. Now, I will turn the call over to FOXO's Interim CEO and Chief Technology Officer, Tyler Danielson. Tyler? Thank you, Aisha. Welcome everyone. We have been working diligently to put the company on solid foundation for growth. During the quarter, we have progressed on multiple fronts. We have recently secured additional financing through a private placement, streamlined our capital structure and expanded our epigenetic program in new directions. At a high level, we've been refining our strategic focus to look beyond the life insurance industry. As you know, part of our work in the first half of the year included the continued development of our saliva-based underwriting technology, powered by epigenetic science. We also launched version 1.0 of the FOXO Longevity Report, our direct consumer health and wellness offering, which we initially built to fit nicely with our life insurer's interest in consumer engagement. Through this work, we received marketing feedback, but also gained what we believe is significant insight into consumers' interest in health measures that will guide us on our next steps. However, these learnings also demonstrated that more work is to be done, and given our strategic shift and refocus on bioinformatics and AI-powered R&D, we feel it prudent to hold on further development and work until we can complete additional R&D and direct the appropriate resources to ensure our offerings are successful. We believe the opportunity is there and the life insurance industry is ripe for disruption, and we intend to reevaluate our ability to return to these offerings at a later date. For the coming quarters, we are doubling down on our unique strength and expertise in areas of bioinformatics and continued R&D, leveraging artificial intelligence. Our revamped bioinformatics services, formerly focused on laboratory processing and bioinformatics, provides specialized consulting services for researchers and businesses looking to conduct epigenetics research. Independent market research has estimated the global epigenetics market at over $1 billion in 2021, with a compound annual growth rate of 18%. Much of the market share and growth is in R&D activities in North America, for which we are well positioned. While laboratory suppliers and processing labs abound to generate massive amounts of data for customers, we believe there are only a few solutions that exist to address the most challenging part of the R&D pipeline: data processing, data analysts, and making sense of the results. Our team has deep experience bringing to market new microarray products, new bioinformatics software, and nearly a decade of experience applying machine learning techniques to analyzing such data. We believe our bioinformatics services can eliminate months or years' worth of work due to the steep learning curve and detailed nuances related to analyzing epigenetic data. Offering this service is expected to not only generate future revenue, but will allow us to work with partners who have the same or similar goals and open up new opportunities for FOXO. We have identified areas of market growth into which we plan to expand our R&D and product development, pending sufficient capitalization. These areas include blood testing, a $92 billion global industry, wellness testing, a $1.5 trillion global industry, and the at-home fitness industry, estimated to reach $251 billion in 2032. We believe our existing datasets and partnerships, which are now ramping up, are conducive in making initial strides in identifying potential future products. We are confident that the datasets, biospecimens, and strategic partnerships that we have cultivated thus far position us with a distinct advantage to meet these demands. To solidify our foothold in developing new measures of health, we are planning research studies with multiple organizations to accelerate new discoveries. To maximize the versatility of our datasets, we will be looking to bring in new tools and measurements beyond epigenetics in our future studies. This is to equip us with state-of-the-art datasets that can cater to the evolving requirements of our future clientele. Along with the clarity on the direction in the market we are entering and the value we believe our products and services can offer, we have been working hard to clear a number of hurdles on the financial side. In May of this year, we completed two issuer tender offers, a warrant exchange offer and a PIK note offer to amend. In the warrant exchange offer, we solicited consents from a sufficient amount of holders of our assumed warrants to amend and restate the related securities purchase agreement to permit certain issuances without triggering anti-dilution adjustments in the assumed warrants. In the PIK note offer to amend, we solicited consents from a sufficient amount of holders of our senior PIK notes to amend the senior PIK notes to permit certain issuances without having to prepay the senior PIK notes. One of the conditions of each tender offer was stockholder approval of the issuances of FOXO's Class A common stock in the tender offers, which we successfully obtained at our first annual stockholder meeting as a public company in May. The completion of these two tender offers removed several impediments to raising capital, thereby allowing the company to pursue more favorable strategic opportunities than we otherwise would have. In the process of these raises, and as part of our renewed business focus, we have reduced staff to reduce operating expenses and focus on our new direction. Our team embodies adaptability and rapid learning capabilities and has demonstrated unyielding dedication to elevate the position of the company for the benefit of our current and prospective investors. We are committed to continuing our relentless efforts until we successfully realize our strategic objectives for this corporation. With that, I would like to turn the call over to Robbie Potashnick, who will provide a financial update. Robbie? Thank you, Tyler, and hello, everyone. I'll now recap our financial results for the three and six months ended June 30, 2023. For the three and six months ended June 30, 2023, net loss to common stockholders was $13.8 million and $21.4 million, respectively, or $0.49 and $0.83 per share, compared with a net loss of $23.5 million and $35.9 million, or $3.84 and $6.01 per share, respectively, during the same periods in 2022. Adjusted EBITDA provides additional insight into our underlying ongoing operating performance and facilitates period-to-period comparisons by excluding the earnings impact of non-cash or unusual items such as interest, tax, depreciation and amortization, impairment, non-cash change in fair value of convertible debentures, and stock-based compensation, among others. Management believes that presenting adjusted EBITDA is more representative of our operational performance and may be more useful for investors. A reconciliation of net loss to adjusted EBITDA can be found in our quarterly report. For the three and six months ended June 30, 2023, adjusted EBITDA was -$3.3 million and -$7.2 million, respectively, compared with adjusted EBITDA of -$4.5 million and -$8.8 million during the same periods in 2022. We had substantial non-cash activities in both periods related to fair value measurements, asset impairment, the PIK note amendment, 2022 Debenture Release, and stock-based compensation, including amounts related to the consulting agreement and other third parties compensated in stock. You can find more information on the PIK note amendment, 2022 Debenture Release, as well as the exchange offer in our Form 8-K and Form 10-Q. Research and development expenses were approximately $333,000 and $642,000 for the 3 and 6 months ended June 30, 2023, respectively, compared to $1 million and $1.6 million for the comparable prior period. Selling general and administrative expenses were $4 million and $10.3 million for the 3 and 6 months ended June 30, 2023, respectively, compared to $5 million and $8.9 million for the comparable prior periods. Changes were driven by the completion of the consulting agreement in April of 2023, the amortization of our intangible assets in cloud computing arrangements, and incremental costs of being a public company, offset by a lower cost structure following the closing of the business combination of our predecessor, Delwinds Insurance Acquisition Corp. and FOXO Technologies Operating Company. Additionally, in the 3 and 6 months ended June 30th, 2023, the company recognized expense related to the issuance of shares from our management incentive share plan following the closing of the business combination, as well as impairment charges related to our intangible assets in cloud computing arrangements.... With our available cash as of June 30th, 2023, as well as the gross proceeds from 3 stock purchase agreements entered into in July of 2023, we expect to have sufficient capital to fund our operations through mid-August 2023. We continue to pursue avenues to further fund the company. That completes my financial summary. Now I'll turn the call over to Tyler for closing remarks. Thanks, Robbie. Now we'd like to turn it over to see if anyone has any questions. Thank you. If anyone would like to ask a question, please press star then one on your telephone keypad, and we'll pause for just a moment to compile the Q&A roster. Our first question is from Allen Klee with Maxim Group. Your line is open. Hey, guys. Congrats on a good quarter, by the way. I have a couple questions for you. Apologies if anything had already been touched on. I guess to get it started, what business and/or fiscal improvements has new management focused on, you know, in the past few quarters since joining the company? Robbie, I think maybe this one is best for you to, to cover financially. Sorry, can you repeat the question one more time? Yeah, of course. What business and fiscal improvements has new management focused on in the past few quarters since joining the company? I got it. Yeah, I, I caught the business part, not the, the fiscal before. We've, we've taken efforts to streamline our, our cost structure. That's been evidenced by reducing our, our headcount and reducing our operating costs by minimizing expenses. We've, we've looked at those in the short term, and we continue to look at those more in the mid and long term as well. That's, that's been our focus on our, on our being fiscally responsible. Right, I missed the business side. From the business perspective, we're continuing to work hard on making sure we're in the right market fit with each of the products that we provide, and then developing out those, those pieces and getting them to the market and learning as fast as possible, which we showed with our Longevity Report as well as the underwriting report. Hopefully that covers, covers that. Yeah, that's helpful. Thank you. Then can you comment on the, what, epigenetic clock patent applications from UCLA and just the overall status there, I guess? Sure. Yeah, so currently we have a patent that has been accepted but hasn't been issued. We're currently waiting on that. As far as UCLA, we've licensed a number of patents, and those patents are, are still for us to use. They're focused on the bio, a specific set of clocks, biological age clocks. We don't tend to use them as much as we did the, our own internally developed softwares in, in clocks. Okay. Thank you. That's all from my side. Thanks. Again, that was star one if you'd like to ask a question. The next question is from Matthew Mavrogian with Maxim Group. Your line is open. Matthew Mavrogian with Maxim Group, your line is open. Please go ahead. Thanks, guys. Congrats on the quarter, guys. Just wanted to also quickly touch on one thing regarding commercialization. Just wanted to know what some of the focuses are on commercializing the next three to four quarters and what, you know, we and other investors can kind of expect to hear from the company on, on that front moving forward? Right. Yeah, as we said, mentioned in the call, we're doubling down on our R&D. I think the commercialization of what we're creating is really important, once we know that it's going to have the right market fit. As you can tell, we've done a couple test products, one specifically focused on underwriting, another one focused specifically on longevity insurance, and we think there's a lot more opportunity in the future. A lot of our data that we've collected so far is really proprietary, so I won't talk specifics about what we're going to commercialize, but I know there's a lot of spaces that we're looking into. One of those in particular we mentioned was health and wellness, in these markets that are quite large in the way that we can bring those things to market. We have a plethora of, of opportunity here, and we're excited to go after a lot of it. You know, with epigenetics in particular, it's a lot of stuff is yet to be discovered. We, we think a lot of the markers out there are still to be determined, and so the R&D is really important to us, and that's why we're spending a lot of time doubling down in that space. Okay, great. That was it for me. Thank you. We have no further questions at this time. I'll turn it back to the presenters for any closing remarks.