 HealthEquity, Inc. NASDAQ:HQY Q3 2023 Earnings Conference Call December 6, 2022 4:30 PM ET Company Participants 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 Conference Call Participants 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 Operator Good day, and welcome to the HealthEquity Third Quarter 2023 Earnings Conference Call. 