|Dhruv Chopra||Investor Relations|
|Herman Kotzé||Chief Executive Officer|
|Alex Smith||Chief Financial Officer|
|Allen Klee||Maxim Group|
|Scott Buck||B. Riley FBR|
|Josh Rosen||Peter Street|
Good day, ladies and gentlemen and welcome to the Net 1 Third Quarter 2019 Earnings Call. [Operator Instructions] Please note that this call is being recorded. I would now like to turn the conference over to Dhruv Chopra. Please go ahead, sir.
Thank you, Irene.