Operator

Hello, and welcome to the Essent Group Limited Annual Meeting of Shareholders. Please note that this meeting is being recorded. The meeting is about to begin.

Mark Casale
Founder, Chairman, CEO & President

Now I call the meeting to order. Good morning, ladies and gentlemen. My name is Mark Casale, President and Chief Executive Officer of Essent Group Limited. I will act as Chairman of this meeting, and Bryan MacIntyre will act as Secretary of the meeting and will prepare the minutes regarding the actions today.

On behalf of the directors and officers of the company, it's my pleasure to welcome you to the 2026 Annual General Meeting of Shareholders. The matters on which the shareholders of the company will vote at the meeting are: the election of the 3 Class III directors; the reappointment of PricewaterhouseCoopers LLP as the company's independent registered public accounting firm for the year ending December 31, 2026; and an advisory vote on the 2025 compensation of the company's named executive officers, and we have not received any notice from any shareholders as required under our amended and restated bylaws or the rules of the SEC of any other matters to be considered at today's meeting, and therefore, no other proposals may be properly introduced by shareholders.

On or about March 26, 2026, notice of the meeting together with the company's annual report for the year ended December 31, 2025, and related proxy materials were mailed to all shareholders of record as of close of business on March 6, 2026, the record date for the meeting.

Our first order of business is to determine whether the shares represented at the