Richard Putnam | Investor Relations |
Jon Kessler | President and Chief Executive Officer |
Tyson Murdock | Executive Vice President and Chief Financial Officer |
Stephen Neeleman | Founder and Vice Chairman |
Stephanie Davis | SVB Securities LLC |
Anne Samuel | JPMorgan Chase & Co. |
Gregory Peters | Raymond James & Associates, Inc. |
Glen Santangelo | Jefferies LLC |
Scott Schoenhaus | KeyBanc Capital Markets Inc. |
Stanislav Berenshteyn | Wells Fargo Securities, LLC |
Cynthia Motz | Goldman Sachs Group, Inc. |
George Hill | Deutsche Bank AG |
Mark Marcon | Robert W. Baird & Co. |
Allen Lutz | Bank of America Merrill Lynch |
Alexander Draper | Guggenheim Securities, LLC |
Thomas Kelliher | RBC Capital Markets |
David Larsen | BTIG |
Good day, and welcome to the HealthEquity Third Quarter 2023 Earnings Conference Call. All participants will be in a listen-only mode. [Operator Instructions] After today's presentation, there will be an opportunity to ask questions. [Operator Instructions] Please note this event is being recorded. I would now like to turn the conference over to Richard Putnam.