Good morning and thank you for joining us today. This morning, Donegal Group issued its Third Quarter 2024 Earnings Release outlining its results. The release and a supplemental investor presentation are available in the Investor Relations section of Donegal’s website at www.donegalgroup.com. Please be advised that today’s conference was pre-recorded, and all participants are in listen-only mode. Speaking today will be President and Chief Executive Officer, Kevin Burke; Chief Financial Officer, Jeff Miller; Chief Underwriting Officer, Jeff Hay; Chief Operating Officer, Dan DeLamater; and Chief Investment Officer, Tony Viozzi. Please be aware that statements made during this call that are not historical facts, are forward-looking statements and necessarily involve risks and uncertainties that could cause actual results to vary materially. These factors can be found in Donegal Group’s filings with the Securities and Exchange Commission, including its annual report on Form 10-K and quarterly reports on Form 10-Q. The CCompany disclaims any obligation to update or publicly announce the results of any revisions that they may make to any forward-looking statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements. With that, it is my pleasure to turn it over to Mr. Kevin Burke. Kevin?

Thank you Karin, and welcome everyone. In today’s call, we will provide commentary on our quarterly financial results and an update on strategies and actions that we expect will continue to drive favorable results in future periods. We will outline the factors that contributed to the highest level of quarterly earnings we have achieved since 2020. We achieved net income of $16.8 million, or $0.51 per Class A share, despite incurring $6 million of pre-tax catastrophe losses related to Hurricane Helene. We will provide more details about weather-related losses and other key earnings drivers later in the call. Having completed our strategic non-renewals of all commercial policies in the state of Georgia and Alabama in July, our commercial lines growth in the quarter reflected higher levels of commercial lines new business in targeted states and classes of business, as well as solid renewal premium increases and retention levels. We are now ramping up our small business commercial underwriting strategy for all four of our operating regions to build momentum in small business growth, which will be a key area of focus for us in 2025 and the years ahead. We completed our fourth annual state strategy sessions in August, and we are refining our strategies and action plans as we finalize our 2025 business plan. Our team is fully aligned, and we are looking forward to capitalizing on opportunities for profitable growth in 2025. We are making excellent progress on the final two major software releases within our systems modernization project. In fact, over this weekend we will deploy the first phase of one of these releases, which will facilitate the automated conversion of our remaining legacy homeowners and dwelling and fire policies, converting to our new platform as they renew starting with policies effective in January 2025. As you will hear from the other presenters today, we remain focused on solid execution, and I am confident that our strategies and actions will continue to generate favorable results through the fourth quarter and looking ahead to 2025 and beyond. I will now turn the call over to Jeff Miller to review our third quarter financial results.

Thanks Kevin. For the third quarter of 2024, net premiums earned increased 6% to $238 million. Net premiums written increased by 5.9%, as strong premium rate increases and retention were offset partially by planned attrition in states and classes of business we have targeted for profit improvement. Rate increases achieved during the third quarter of 2024 remained in double-digit percentages, averaging 12.6% in total, and 13.6% when excluding workers’ comp. The combined ratio was 96.4% for the third quarter of 2024, compared to 104.5% for the prior-year quarter, with a decrease in the loss ratio primarily accounting for the improvement. The core loss ratio declined 6.6 percentage points from the prioryear quarter due to a combination of higher earned premiums and improved claim frequency and severity, and we were pleased to see improvement in the core loss ratios of all of our lines of business. \ Weather-related losses of $24.4 million, or 10.3 percentage points of the loss ratio for the third quarter of 2024, were slightly lower than the $25.7 million, or 11.5 percentage points we incurred for the third quarter of 2023. The lower impact was primarily due to reduced severity of commercial property losses, with $5.3 million of losses contributing 10 percentage points to the quarterly commercial multi-peril loss ratio, compared to 17.5 percentage points of the loss ratio for that line of business in the third quarter of 2023. In our homeowners line, weather-related losses totaled $16.3 million, or 45.2 percentage points of the loss ratio, compared to 49.2 points in the prior-year quarter. In total, the quarterly weather claim impact was higher than the previous five-year average for the third quarter of 9.4 percentage points. Our insurance subsidiaries incurred $6 million in net losses from Hurricane Helene, which caused significant homeowners losses in Georgia in…

Thank you, Jeff. Starting with commercial lines, net premiums written increased 6.4% during the quarter, primarily driven by new business in targeted geographies and classes of business, coupled with strong rate and retention achievement. As was already mentioned, we successfully completed our exit of commercial lines business in Georgia and Alabama, which was a significant profit improvement measure and partially offset our premium growth over the past year. We are now fully focused on our go-forward strategy in Commercial Lines, seeking outsized growth in small commercial accounts as we continue to expand our automation and service capabilities for that segment. We are seeing improvements in our straight-throughprocessing rate and hit rates on our new small commercial products and service offerings, which frees up our underwriters to give enhanced time and attention to writing high-quality middle market accounts. And as a reminder, we are and will continue to be an all-lines account writer and, from an exposure or policy count basis, we expect growth rates to be largely similar across all commercial lines of business. Last quarter, I highlighted several profit improvement initiatives that we are continuing to execute to refine our commercial lines book of business. These efforts include the utilization of new underwriting tools, such as a comprehensive Probable Maximum Loss fire analysis for property risks, utilization of aerial imagery enhanced with artificial intelligence to identify roof issues, point of sale integrations to catastrophe modeling tools, and multiple third-party data analytical tools. Those tools are not only ensuring the quality of the new business we are writing, but we are also applying them to our renewal business, resulting in the non-renewal of a significant number of property risks that those tools have identified as having higher propensity to loss. We are also actively revising underwriting guidelines for certain profit-challenged…

Thank you Jeff. I will begin my comments by providing an update on our expense reduction initiative that we discussed in previous calls. For the third quarter, we operated at an expense ratio of 34.5%, compared to 34.1% for the third quarter of 2023. The modest increase in the expense ratio primarily reflected higher underwriting-based incentives for our agents and employees incurred during the quarter as a result of the improved loss ratio vs. the third quarter of 2023. Excluding those incentives, our expense ratio decreased by approximately half of a point compared to the prior-year quarter. We have recognized significant improvement due to the impacts of various expense reduction initiatives, including agency incentive program revisions, commission schedule adjustments, targeted staffing reductions, and deferred replacement of open employment positions, among others. As a result, we are now operating at a year-to-date expense ratio of 34%, which compares favorably to 34.9% in the same period last year. And as a reminder, these expense reductions are even more noteworthy considering we are realizing the peak expense impact of Project Nautilus, our multi-year systems modernization project, in 2024. Because of multiple targeted initiatives across virtually every department in the organization, we are on pace toward our expectation to reduce our expense ratio by one full point in 2024 and two points by the end of 2025. We are proud of our teams’ commitment and resilience they have shown in this effort. These initiatives are difficult and have full visibility across the company. And for every high profile initiative, there are dozens of smaller initiatives that contribute meaningful and sustainable expense improvement. One of the initiatives that is meaningful but reported as a separate income line item, rather than an expense reduction, is our implementation of a surcharge on credit card payments. The surcharge…

Thanks, Dan. Our investment strategy, as always, aligns with our conservative principles. We continue to focus on holding high quality credits that are characterized by strong investment income and low volatility. Ultimately, our goal is not only to preserve capital, but also to manage a portfolio that is resilient, adaptable, and capable of generating consistent returns, regardless of market conditions. During the third quarter of 2024, net investment income increased 2.8% from the prior-year quarter to $10.8 million. The average net investment income yield for the quarter was 3.28%, up from 3.22% for the third quarter of 2023. Current market interest rates remain generally elevated compared to the past decade, allowing us to reinvest our portfolio cash flow into bonds with significantly higher yields. Overall, our average reinvestment rate of 5.25% during the third quarter represented an 89 basis point improvement over the bond cash flow yield during the quarter. We expect approximately $100 million in cash flow from maturities, calls and pay-downs over the next 12 months. The average yield we are currently receiving on those bonds is 3.70%. During the third quarter, we continued our move out of agency debt and shifted into corporate debt. We actively monitor macroeconomic indicators and market conditions to identify opportunities that may arise during periods of volatility. With that, we have continued to increase our equity position gradually, with a 39% increase in equity holdings compared to year-end 2023. We achieved a $1.9 million of net investment gain on equities in the third quarter, compared to a loss of $1.2 million in the prior-year third quarter. Year-to-date net investment gains on equities were $4.7 million compared to $930,000 last yearto-date. As of September 30, 2024, our book value per share was $15.22, an $0.83 increase compared to $14.39, as of December 31, 2023. The increase in book value was primarily attributable to net investment income along with our gains on available-forsale bonds and the equity portfolio, which was partially offset by a modest year-to-date underwriting loss and declared cash dividends. With that, I will now turn it back to Kevin for closing remarks.

Thanks, Tony. As we shared throughout the call today, our underlying results are beginning to reflect all the efforts our entire team has put forth. For several years, I have been optimistic and hopeful that the significant organizational changes and investments in systems, capabilities and talent would yield positive results. That optimism has led to a growing confidence that our strategies will yield the intended results, and we look forward to providing further updates to you in our year-end call I’ll now turn the call over to Karin.