Good afternoon. Welcome to Oxbridge Re Holdings Limited's fourth quarter and year-end 2023 earnings call. My name is Shumali, and I will be your conference operator this afternoon. At this time, all participants will be in a listen-only mode. Joining us for today's presentation is Oxbridge Re Holdings Limited's Chairman, President, and Chief Executive Officer, Sanjay Madhu, and Chief Financial Officer and Corporate Secretary, Wrendon Timothy. Following their remarks, we will open up the call for your questions. I would like to remind everyone that this call is also being broadcast live via webcast and available via webcast replay until April 9th, 2024, on the investor information section of the Oxbridge Re Holdings Limited website at www.oxbridgere.com. Now, I would like to turn the call over to Wrendon Timothy, Chief Financial Officer of Oxbridge Re, Wrendon Timothy, who will provide the necessary cautions regarding the forward-looking statements that will be made by management during this call. Thank you, operator. During today's call, there will be forward-looking statements made regarding future events, including Oxbridge Re's, future financial performance. These forward-looking statements are made pursuant to the Private Securities Litigation Reform Act of 1995. Words such as anticipate, estimate, expects, intends, plans, projects, and other similar words and expressions are intended to signify forward-looking statements. Forward-looking statements are not guarantees of future results and conditions, but rather are subject to various risks and uncertainties. A detailed discussion of risks and uncertainties that could cause actual results and events to differ materially from such forward-looking statements is included in the section entitled Risk Factors, contained in our Form 10-K filed with the Securities and Exchange Commission today, March 26th, 2024. The occurrence of any of these risks and uncertainties can have a material adverse effect on the company's business, financial condition, and the volatility of our earnings, which in turn can cause significant market price and trading volume fluctuations for our securities. Any forward-looking statement made on this conference call speaks only as of the date of this conference call and, except as required by law, the company undertakes no obligation to update any forward-looking statements contained on this call or in any company presentation, even if the company's expectations or any related events, conditions, or circumstances change. Now, I'd like to turn the call over to our Chairman, President, and Chief Executive Officer, Sanjay Madhu. Jay? Thank you, Wrendon, and welcome, everyone. Thank you for joining us today. Let me start by saying we are proud of the significant steps we have taken this year to fortify and diversify our business. Our core business remains reinsurance, where we write fully collateralized policies to cover property losses from specific catastrophes. And because we write fully collateralized contracts, we believe we can compete effectively with large carriers. We specialize in underwriting low-frequency, high-severity risks, where we believe sufficient data exists to effectively analyze the risk-return profile of reinsurance contracts. Our objective is to achieve long-term growth and book value per share by writing business on a selective and opportunistic basis that will generate attractive underwriting profits relative to risk. Building on the stable reinsurance foundation, we begin to diversify our business in 2021 as a lead sponsor of Oxbridge Acquisition Corp, a special-purpose acquisition company, or SPAC, focusing on investing in disruptive technologies. In August of 2023, Oxbridge Acquisition successfully completed its business combination with Jet.AI, Inc. The company develops software and offers fractional aircraft ownership, jet card, aircraft brokerage, and charter through its fleet of private aircraft and those of operating partner. It operates in two segments, software and aviation. The software segment features the B2C CharterGPT app and B2B Jet.AI Operator platform. The CharterGPT app uses natural language processing and machine learning to improve the private jet booking experience. The Jet.AI Operator platform operates a suite of standalone software products such as Reroute AI and DynoFlight to enable FAA Part 135 charter providers to add revenue, maximizing efficiency and reducing environmental impact. The aviation segment features jet aircraft fractionalization, jet cards on-fleet charter management, and buyers brokerage. With the completion of the business combination in August of 2023, the company began trading on the Nasdaq Stock Exchange. Our interest in Jet.AI is recognized at fair value and in other investments on our balance sheet. In 2023, we expanded our business portfolio by establishing SurancePlus Inc., a new subsidiary focused on Web3 technology. SurancePlus specializes in democratizing tokenized real-world assets, or RWAs, offering tokenized reinsurance securities as alternative investment opportunities. These securities leverage blockchain technology to ensure complete transparency and compliance with the SEC guidelines, representing a significant advancement in the digital security market. Consequently, this initiative aims to broaden investor participation, extending opportunities beyond a select group of ultra-high-net-worth individuals. Crucially, the establishment of SurancePlus was achieved without incurring new debt or diluting equity in our shareholders, reflecting our efficient approach to diversification. We are enthusiastic about the prospects of these new investments and remain committed to keep our stakeholders informed of the progress in the forthcoming quarters. Looking ahead, we intend to reposition Oxbridge as a prominent player, the real-world asset to RWA Web3 sector. Further details of the strategic direction will be shared later in the call. In summary, we maintain a strong sense of optimism regarding the long-term outlook of our core reinsurance business alongside the successful integration of our new ventures, Jet.AI and SurancePlus, as we embrace the RWA market more comprehensively. I'll now turn things over to Wrendon and take us through our financial results. Thank you, Jay. I would like to remind you that our typical contract period is from June 1st to May 31st of the following year. With respect to net premiums earned for the year ended December 31st, 2023, increased to $1,255,000 from $995,000 in the prior year. The increases are due to higher rates on our reinsurance contracts in force during the quarter and year ended December 31st, 2023, when compared with the prior periods. Our net investment and other income rose in 2023 to $303,000, primarily due to higher rates on our money market funds. You can also see that we generated our insurance technology origination and management fee income of $300,000 in 2023 from our SurancePlus subsidiary. We recorded an unrealized loss of $8.9 million on our other investments, the result of our remeasurement of our investment in Jet.AI at fair value. We also recognize a $38,000 positive change in the fair value of our equity securities as of December 31st, 2023, well up from the $338,000 negative change in the prior year. All these factors taken together resulted in consolidated total revenues of negative $7.05 million in 2023 compared to $850,000 in the prior year. Total expenses, including loss and loss adjustment expenses, policy acquisition costs, and general and admin expenses for the year ended December 31st, 2023, were $2.3 million, down from $2.6 million in 2022, due to the triggering of limit loss on two reinsurance contracts in September 2022 as a result of Hurricane Ian, which was partially offset by higher policy acquisition costs and increased general and admin expenses in 2023 as a result of inflationary expense fluctuations and the recognition of previously deferred offering costs in relation to our S-3 registration. We experienced a net loss of $9.9 million or $1.69 per share in 2023 compared to net loss of $1.8 million or $0.31 per share in fiscal 2022. The decline in the quarter and year ended December 31st, 2023, is primarily due to the fair value changes in the company's equity investment in Jet.AI, as well as increased general expenses associated with the recognition of previously deferred offering costs on its S-3 registration. As we have discussed before on our investor calls, we use various measures to analyze growth and profitability of our business operations. For our reinsurance business, we measure underwriting profitability by examining our loss ratio, acquisition cost ratio, expense ratio, and combined ratio. Our loss ratio, which measures underwriting profitability, is the ratio of losses and loss adjustment expenses incurred to net premiums earned. The loss ratio decreased to 0% for the year ended December 31st, 2023, compared to 107.8% in the prior year, wholly due to the limited losses suffered on two of our reinsurance contracts as a result of Hurricane Ian in September of 2022. Our acquisition cost ratio, which measures operational efficiency, compares policy acquisition costs to net premiums earned. Our acquisition cost ratio increased marginally to 11.2% for the year ended December 31st, 2023, compared with 11.1% in the prior year. Our expense ratio, which measures operating performance, compares policy acquisition costs and general and admin expenses with net premiums earned. The expense ratio increased to 185.2% for the year ended December 31st, 2023, from 153.1% for the prior year due to higher general and admin expenses in 2023, primarily from the recognition of previously deferred expenses associated with the company's Form S-3 registration, as well as marginal expenses associated with the successful launch of our SurancePlus private placement offering. Our combined ratio, which is used to measure underwriting performance, is the sum of the loss ratio and the expense ratio. The combined ratio decreased to 185.2% for the year ended December 31st, 2023, from 260.9% for the prior year. The decrease is due to a decrease in our loss ratio during the year ended December 31st, 2023, as a result of no underwriting losses suffered in 2023 when compared with underwriting losses suffered in 2022 as a result of Hurricane Ian. Now, turning to our balance sheet, our investment portfolio increased to $688,000 at December 31st, 2023, from $642,000 at the prior year end due primarily to unrealized gains we experienced due to the improved global capital markets in the year. Our other investments decreased due to the negative change in the fair value of our equity investment in Jet.AI. Cash and cash equivalents, unrestricted cash and cash equivalents, decreased to $3.7 million at December 31st, 2023, compared with $3.9 million at December 31st, 2022. Now, I'd like to turn the call back over to Jay to wrap up before we take your questions. Jay? Thank you, Wrendon. As highlighted earlier in today's discussion, we have implemented decisive and substantial measures throughout this year to fortify and diversify our operations. In December 2022, we established SurancePlus, our wholly-owned subsidiary, with the objective of tokenizing securities representing fractionalized interest in reinsurance contracts underwritten by a reinsurance subsidiary. In the second quarter of 2023, we successfully concluded the initial offering of these tokens through a $2.4 million private placement. Furthermore, we are pleased to report that investors in our DeltaCat Re Token are poised to achieve returns exceeding 45%, beating the initial 42% projected, and despite the challenges posed by Hurricane Idalia, which made landfall as a Category 3 hurricane in 2023. We believe these are the first tokenized reinsurance securities backed by a publicly traded company. SurancePlus is poised to democratize access to reinsurance as an alternative investment avenue, leveraging the inherent advantages of blockchain technology to craft sophisticated digital securities. Our tokens aim to facilitate broader investor participation, ensuring their interests are securely and transparently recorded on the blockchain. These opportunities, previously out of the reach of many investors due to extremely high barriers to entry, are now accessible through our innovative approach, essentially. And while repeating myself, we have democratized access to reinsurance. Subsequent to this, in mid-August 2023, our investment in a special-purpose acquisition company, Oxbridge Acquisition Corp, culminated in a business merger with Jet.AI, a company specializing in fractional aircraft ownership, jet card services, aircraft brokerage, and charter services, facilitated by its fleet of private aircraft. Notably, our own wholly-owned subsidiary, Oxbridge Reinsurance Limited, assumed the role of lead investor and the SPAC sponsor. Concurrently with the finalization of business merger, the company successfully listed its common shares and warrants on the Nasdaq. These compelling opportunities not only augmented our business but also enhanced our risk profile, strategically positioning us to capitalize on the growth within emerging technologies. We are especially enthusiastic about the anticipated value of these investments hold and the benefits they offer to our shareholders. As previously mentioned, we are currently in the process of rebranding Oxbridge as an RWA Web3-focused company, leveraging the significant progress we have achieved this year. Forecasts suggest an extraordinary expansion of the tokenized RWA market over the next decade, with estimates exceeding $10 trillion. This growth trajectory is fueled by escalating adoption of blockchain technology across various traditional financial sectors, including fiat currencies, equities, government bonds, and real estate. Endorsements from institutions such as BlackRock and Bank of America further affirm the transformative potential of tokenization in enhancing financial infrastructure efficiencies, reducing costs, and optimizing supply chains. Moreover, industry analysis from firms such as Boston Consulting Group anticipate a substantial surge in the tokenized asset market, potentially reaching $16 trillion. As pioneers in this evolving landscape, we hold a strong sense of optimism regarding the value our rebranding efforts will unlock for our shareholders. We remain steadfast in our commitment to seizing the opportunities presented by this dynamic market. With that, we are now ready to address any questions you may have. Operator, please provide the appropriate instructions. Thank you, sir. At this time, we will be conducting a question-and-answer session. If you would like to ask a question, please press star one on your telephone keypad. A confirmation tone will indicate your line is in the question queue. You may press star two if you would like to remove your question from the queue. For participants using speaker equipment, it may be necessary to pick up your handset before pressing star keys. One moment, please, while we poll for questions. As a reminder, if anyone has any questions, you may press star one on your telephone keypad in order to join the question-and-answer queue. At this time, this concludes our question-and-answer session. I'd now like to turn the call back over to Mr. Madhu for his closing remarks. And Mr. Madhu? Thank you for joining us for today's call. Before we conclude, I would like to extend my gratitude to our employees, business partners, and investors for their unwavering support. I particularly want to acknowledge our dedicated Oxbridge team, whose extensive experience has been instrumental in navigating and advancing our business amidst these challenging circumstances. We anticipate providing you with further updates of our progress during our next call. And should you have any additional questions, please do not hesitate to reach out to us at any time. Once again, thank you for your time, attention today, and for your ongoing interest in Oxbridge. Operator? Before we conclude today's call, I would like to remind everyone that a recording of today's call will be available for replay via a link available in the investors' section of the company's website. Thank you for joining us today for our presentation. You may now disconnect.