|Allen Klee||Maxim Group|
|Scott Buck||B. Riley FBR|
Good day, ladies and gentlemen and welcome to the Net 1 UEPS Quarter Four of 2019 Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions] Please note that this call is being recorded.
I would now like to turn the conference over to Mr. Dhruv Chopra.