|Dara Dierks||Managing Director, ICR|
|Alex Smith||Chief Financial Officer & Interim Chief Executive Officer|
|Raj Sharma||B. Riley|
Good day, ladies and gentlemen and welcome to the Net1 Q3 2021 Earnings Call. All participants will be in listen-only mode. [Operator Instructions] Please note that this call is being recorded. I'd now like to turn the conference over to Dara Dierks. Please go ahead ma'am.