Company: OXBRW
Filing Date: 2025-07-10
Form Type: 424B5
Source: 0001641172-25-018473
Chunk: 28

Company: OXBRIDGE RE HOLDINGS Ltd
Filing Date: 2025-07-10
Form: 424B5
Chunk 28
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7) other investors, entered into a binding term sheet (“Bridge Agreement”) with Jet.AI to provide Jet.AI with an aggregate sum of $500,000 of short-term bridge financing pending its receipt of funds from its other existing financing arrangements

The Bridge Agreement provided for the issuance of Notes in an aggregate principal amount of $625,000, reflecting a 20% original issue discount. The Notes bore interest at 5% per annum and matured on March 11, 2024.

The Company invested the sum of $100,000 in the Notes and is recorded as “Loan Receivable” on the consolidated balance sheets at cost at December 31, 2023. On March 11, 2024, the Notes matured and were redeemed by Jet.AI in accordance with the Bridge Agreement. The Company received an aggregate of $141,000 upon the redemption of the Notes.

| 6 |

Our Business Strategy

Our goal is to achieve attractive risk-adjusted returns for our shareholders through the prudent management of underwriting and investments risks relative to our capital base. To achieve this objective, the following are the principal elements of our business strategy.

| ● | Maintain                                                                                       
 a Commitment to Disciplined Underwriting. We employ a disciplined and data-driven              
 underwriting approach to select a diversified portfolio of risks that we believe will generate 
 an attractive return to our shareholders over the long term. Neither our underwriting nor      
 our investment strategies are designed to generate smooth or predictable quarterly earnings,   
 but rather to optimize growth in book value per share over the long term.                      |

| ● | Focus                                                                                       
 on Risk Management. We treat risk management as an integral part of our underwriting        
 and business management processes. All of our reinsurance contracts contain loss limitation 
 provisions that limit our losses to the value of the assets collateralizing our reinsurance 
 contracts.                                                                                  |

| ● | Deployment                                                                                     
 of Capital. In order to eliminate the possibility of complete losses, we intend to             
 place only a portion of our total capital at risk in any single year. This means that we       
 expect lower returns than some of our competitors in years where there are lower than average  
 catastrophe losses but that our capital will not be completely eroded in the event of multiple 
 large losses.                                                                                  |

| ● | Take                                                                                           
 Advantage of Market Opportunities. Although our business is initially focused on               
 catastrophe coverage for Gulf Coast insurers we intend to continuously evaluate various market 
 opportunities in which our business may be strategically or financially expanded or enhanced   
 in the