|Dhruv Chopra||Group VP and IR|
|Scott Buck||B. Riley|
|Stephen Ranzini||University Bank|
|P.J. Solit||Potomac Capital Management|
Good day, ladies and gentlemen, and welcome to Net 1’s First Quarter 2020 Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions] Please note that this conference is being recorded.
I would now like to hand the conference over to Mr. Dhruv Chopra.