Company: OXBRW
Filing Date: 2025-04-25
Form Type: S-3
Source: 0001641172-25-006293
Chunk: 7

Company: OXBRIDGE RE HOLDINGS Ltd
Filing Date: 2025-04-25
Form: S-3
Chunk 7
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● Security breaches and other disruptions
could compromise our information and expose us to liability, which would cause our business and reputation to suffer.

● If we lose or are unable to retain our
senior management and other key personnel and are unable to attract qualified personnel, our ability to implement our business strategy
could be delayed or hindered, which, in turn, could significantly and negatively affect our business.

● There are differences under Cayman Islands
corporate law and Delaware corporate law with respect to interested party transactions which may benefit certain of our shareholders
at the expense of other shareholders.

● Any suspension or revocation of our reinsurance
license would materially impact our ability to do business and implement our business strategy.

● Our reinsurance subsidiaries are subject
to minimum capital and surplus requirements, and our failure to meet these requirements could subject us to regulatory action.

● As a holding company, we will depend on
the ability of our subsidiaries to pay dividends.

● We may be subject to the risk of possibly
becoming an investment company under U.S. federal securities law.

● Insurance regulations to which we are,
or may become, subject, and potential changes thereto, could have a significant and negative effect on our business.

● We will likely be exposed to credit risk
due to the possibility that counterparties may default on their obligations to us.

● Provisions of our Third Amended and Restated
Memorandum and Articles of Association (“Articles”) could adversely affect the value of our securities.

● Provisions of the Companies Law of the
Cayman Islands could prevent a merger or takeover of our company.

● Holders of our securities may have difficulty
obtaining or enforcing a judgment against us, and they may face difficulties in protecting their interests because we are incorporated
under Cayman Islands law.

● Provisions of our Articles may reallocate
the voting power of our ordinary shares.

● We do not currently have an effective
registration statement registering the issuance of the shares underlying our publicly traded warrants, and therefore you may not be able
to exercise the warrants in a cash exercise.

● We may become subject to taxation in the
Cayman Islands which would negatively affect our results.

● We may be subject to United States federal
income taxation.

● We may be treated as a PFIC, in which
case a U.S. holder of our ordinary shares should be subject to disadvantageous rules under U.S. federal income tax laws. We may be treated
as a CFC and may be