 HealthEquity, Inc. NASDAQ:HQY Q2 2023 Earnings Conference Call September 6, 2022 4:30 PM ET Corporate Participants Richard Putnam - Investor Relations Jon Kessler - President and Chief Executive Officer Tyson Murdock - Executive Vice President and Chief Financial Officer Steve Neeleman - Vice-Chair and Founder Conference Call Participants Greg Peters - Raymond James Allen Lutz - Bank of America Stephanie Davis - SVB Securities David Larsen - BTIG Glen Santangelo - Jefferies Stan Bernstein - Wells Fargo Sandy Draper - Guggenheim Sean Dodge - RBC Cindy Motz - Goldman Sachs Mark Marcon - Baird Call Starts Abruptly Richard Putnam Second Quarter Fiscal Year 2023 Earnings Conference Call. My name is Richard Putnam. 