HealthEquity, Inc.

Hello and welcome to the Health Equity Third Quarter 2024 Earnings Call. All participants will be in listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero. After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press star then one on your telephone keypad. To withdraw from the queue, please press star then two. Please note this event is being recorded. I would now like to turn the call over to Richard Putnam.

Thanks, MJ.

Hello, everyone, and welcome to Health Equity's third quarter of fiscal year 2024 earnings conference call. My name is Richard Putnam. I do investor relations for Health Equity. Joining me today is John Kessler, president and CEO, Dr. Steve Nealman, vice chair and founder of the company, and James Lucania, executive vice president and CFO. Hello. Before I turn the call over to John, I have two important reminders. First, a press release announcing the financial results for our third quarter of fiscal 2024 was issued after the market closed this afternoon. These financial results include the contributions from our wholly owned subsidiaries and accounts that 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 the comparable GAAP measures, and a recording of this webcast can be found on our investor relations website, which is ir.healthequity.com.