Richard Putnam | Vice President of Investor Relations |
Jon Kessler | President and Chief Executive Officer |
Steve Neeleman | Founder and Vice Chair |
Darcy Mott | EVP and Chief Financial Officer |
Anne Samuel | JPMorgan |
Allen Lutz | Bank of America Merrill Lynch |
Greg Peters | Raymond James |
Jamie Stockton | Wells Fargo |
Stephanie Demko | Citi |
Sandy Draper | SunTrust |
Mark Marcon | R.W. Baird |
Chris Howe | Barrington Research |
Welcome to HealthEquity's Third Quarter 2019 Earnings Conference Call. Please note that this event is being recorded. I would now like to turn the conference over to Richard Putnam, Investor Relations. Go ahead, Mr. Putnam.