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Operator: Good day, and welcome to the HealthEquity Third Quarter 2023 Earnings Conference Call. All participants will be in a listen-only mode.

Jon kesslerRichard putnamTyson murdockAnne samuelSteve neelemanStephanie davisFounder of the companyHealthequity incCompany executive viceTeam purpleFederal reserveCall transcript decemberHealthequity third quarterInvestor relationsExecutive vice presidentAnnual report