Dhruv Chopra | Head of IR |
Herman Kotzé | CEO |
Alex Smith | CFO |
Allen Klee | Maxim Group |
John Flynn | WEDGE Capital Management |
Will Settle | Woodmont |
Good afternoon, ladies and gentlemen, and welcome to Net 1's UEPS Quarter 3 2018 Earnings Conference Call. All participants will be listen-only mode. [Operator Instructions] Please note that the conference is being recorded. I'll now hand the conference over to Mr. Dhruv Chopra.