Jeff Miller | Chief Financial Officer |
Kevin Burke | President and Chief Executive Officer |
Bob Farnam | Boenning & Scattergood |
Doug Eden | Eden Capital Management |
James Bach | KBW |
Ladies and gentlemen, thank you for standing by and welcome to the Donegal Group Incorporated Fourth Quarter 2020 Earnings Conference Call. [Operating Instructions] It's now my pleasure to hand the conference over to Chief Financial Officer, Jeff Miller. Mr. Miller, I hand it to you.
Thank you very much.