HealthEquity, Inc.

Hello and welcome to the Health Equity Fourth Quarter 2024 Earnings Conference 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, and to withdraw from the question queue, please press star, then two. As a reminder, this conference is being recorded. I would now like to hand the call to Richard Putnam. Please go ahead.

Thank you, MJ. Hello, everyone. Happy Vernal Equinox, and welcome to Health Equity's fourth quarter fiscal year-end and 2024 earnings conference call. My name is Richard Putnam, Investor Relations for Health Equity, and joining me today is John Kessler, President and CEO of James Lucania, Executive Vice President and CFO, and Dr. Steve Nealeman, Vice Chair and Founder of the company. Before I turn the call over to John, I have a couple of reminders. First, a press release announcing the financial results for our full year and fourth 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 they administer, but do not include any impact from benefit wallet HSA portfolio acquisition. The press release 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, March 19, 2024, 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 the actual results to differ materially from statements made here today. We caution against placing undue reliance on these forward-looking statements, and 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 stocks, as detailed in our latest annual report on Form 10-K and any subsequent periodic reports filed with the SEC. We assume no obligation to revise or update these four linking statements in light of new information or future events. With that out of the way, let's turn the call over to John Kessler.

John? Hi there.