Company: OXBRW
Filing Date: 2025-03-26
Form Type: 10-K
Source: 0001641172-25-000736
Chunk: 329

Company: OXBRIDGE RE HOLDINGS Ltd
Filing Date: 2025-03-26
Form: 10-K
Item: Item 1
Chunk 329
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 retroactive effect.

We
do not intend to resume paying cash dividends in the foreseeable future.

On
November 12, 2017, our board of directors decided to suspend our regular quarterly cash dividend. The board of directors intends to reconsider
in the future the payment of a quarterly cash dividend, but the timing of such reconsideration has not been determined, and there is
no intention to resume dividend payments in the foreseeable future, if at all. Any decision to resume dividend payments will be dependent
upon a variety of factors, including the state of our business as well as general market conditions at the time of reconsideration, and
there is no assurance that dividend payments will recommence.

Outages,
computer viruses and similar events could disrupt our operations.

We
rely on information technology networks and systems, some of which are owned and operated by third parties, to process, transmit and
store electronic information. Any of these systems may be susceptible to outages due to fire, floods, power loss, telecommunications
failures, terrorist or cyber-attacks and similar events. Despite the implementation of network security measures, our systems and those
of third parties on which we rely may also be vulnerable to computer viruses and similar disruptions. If we or the third parties on whom
we rely are unable to prevent such outages and breaches, our operations could be disrupted.

Increased
Information Technology (“IT”) security threats and more sophisticated computer crime could pose a risk to our systems, networks,
and services.

Cyber
incidents can result from deliberate attacks or unintentional events. There have been an increased number of significant cyber-attacks
targeted at the retail, insurance, financial and banking industries that include, but are not limited to, gaining unauthorized access
to digital systems for purposes of misappropriating assets or sensitive information, corrupting data or causing operational disruption.
Cyber-attacks may also be carried out in a manner that does not require gaining unauthorized access, such as by causing denial-of-service
attacks on websites. Cyber-attacks by third parties or insiders utilize techniques that range from highly sophisticated efforts to electronically
circumvent network security or overwhelm a website to more traditional intelligence gathering, and social engineering aimed at obtaining
information necessary to gain access.

25

Increased
global IT security threats are more sophisticated and targeted computer crimes pose a risk to the security of our systems and networks
and the confidentiality, availability and integrity of our data. The open nature of interconnected technologies may allow for a network
or Web outage or a privacy