|Dara Dierks||Investor Relations|
|Chris Meyer||Chie Executive Officer|
|Lincoln Mali||South Africa Chie Executive Officer|
|Alex Smith||Chief Financial Officer|
|Raj Sharma||Riley Securities|
|Jeff Jokri||Unicom Capital.|
[Indiscernible] ladies and gentlemen and welcome to Net1's UEPS Quarter Four of 2021 Earnings Call. [Indiscernible] and the attendees will be in a listen-only mode. There will be an opportunity to ask questions in prompt. [Operator Instructions]. Please note that this event is being recorded.