HealthEquity, Inc.

Good day and welcome. I would now like to turn the call over to Richard Putnam for HealthEquity's earnings call. Please go ahead.

Thank you, Farah. Hello, everyone. Welcome to HealthEquity's first quarter of fiscal year 2024 earnings conference call. My name is Richard Putnam, investor relations for HealthEquity. Joining me today on the call is John Kessler, president and CEO, Dr. Steve Nieleman, vice chair and founder of the company, and Tyson Murdoch, the company's executive vice president and CFO. Before I turn the call over to John, I have two important reminders. First, the press release announcing the financial results of our first quarter of fiscal 2024 was issued after the market closed this afternoon. These financial results included contributions from our wholly owned subsidiaries and accounts they administer. The press release also includes definitions of certain non-GAAP financial measures that we will reference today. A copy of today's press release, including reconciliations of these non-GAAP measures with comparable GAAP measures and a recording of this webcast can be found on our investor relations website, which is ir.healthequity.com. Second, our comments and responses to your questions today reflect management's view as of today, June 5th, 2023, and will contain forward-looking statements as defined by the SEC, including predictions, expectations, estimates, or other information that might be considered forward-looking. There are many important factors relating to our business which could affect the forward-looking statements made today. These forward-looking statements are subject to risk and uncertainties that may cause our actual results to differ materially from the statements made here today. We caution against placing undue reliance on these forward-looking statements. We also encourage you to review the discussion of these factors and other risks that may affect our future results or the market price of our stock as detailed in our annual report on Form 10-K and subsequent periodic reports filed with the SEC. We assume no obligation to revise or update these forward-looking statements in light of new information or future events. At the conclusion of our prepared remarks, we will open up the call for Q&A with the help of our operator, Sarah. One final announcement before we hear from John. Due to some conflicts recently encountered, we are postponing our investor day that was planned for July 11th to be at a later to be announced date. Once we have rescheduled the date, we will provide you with a press release and invitation. Now over to John.

So you're going to return your cabana wear or... No comment?