Good day everyone, welcome to the 2026 HealthEquity Annual Meeting. Now I'll turn the call over to your host, Chairman Robert Selander. Please go ahead. Good morning, ladies and gentlemen, welcome to the 2026 Annual Meeting of Stockholders of HealthEquity Incorporated. I am Robert Selander, chairman of the board of directors of the corporation, and I will be presiding over this meeting. At this time, I call the meeting to order. Copies of the agenda and rules of conduct are available to you through our virtual meeting portal. Before proceeding to the business of the meeting, I would like to recognize the rest of the members of the board of directors, each of whom is joining us virtually today. Also joining us today are Scott Cutler, our chief executive officer, Jim Lucania, our chief financial officer, and Michael Newton, our corporate secretary. Mr. Newton will act as secretary of the meeting. Representatives from PricewaterhouseCoopers LLP, the corporation's independent auditor, are also joining virtually. Christine Amrhein of American Election Services, LLC will act as the inspector of election for this meeting. The virtual meeting portal includes a link to the rules of conduct for this meeting. In order to conduct an orderly meeting, we ask that participants follow these rules. While this meeting is being held virtually, all questions must be submitted in writing through the question-and-answer tool in the meeting portal. As noted in the notice of availability previously given to you, the record date for voting at this meeting was the close of business on May 6, 2026. A list of stockholders on the record date is available for your review. The secretary has received an affidavit of mailing to show that notice of this meeting was given. A copy of both the notice and the affidavit will be incorporated into the minutes of this meeting. The secretary will now report on the existence of a quorum for the meeting. The stockholder list shows that holders of 83,830,457 shares of common stock of the corporation are entitled to vote at this meeting. We are informed by the Inspector of Election that they are represented in person or by proxy 79,753,201 shares of common stock, or approximately 95.13% of all shares entitled to vote at this meeting. Based upon the percentage of total shares of the corporation held by holders of record now present at the meeting, either in person or by proxy, a quorum is present. This meeting is now duly convened for the purposes of transacting business properly before it. The time is 10:03 A.M. Mountain Daylight Time. I declare the polls now open for each matter to be voted on today, June 25th, 2026. Please do not vote in the virtual meeting portal unless you have not previously voted or if you want to change your proxy vote. The polls will close after the description of each of the proposals. I will now describe each of the proposals. The first item of business today is the election of directors. Ten directors are to be elected today. Those nominees receiving a majority of the votes of shares present in person or by proxy at this meeting will be elected as directors. Directors elected today will hold office until the 2027 Annual Meeting of Stockholders or until their successors are duly elected and qualified. The nominees are listed in your proxy materials and on the agenda. The board of directors of the corporation recommends a vote for the election of each of the nominees identified in the proxy statement filed by the corporation on May 13th, 2026. As a reminder, the corporation has an advanced notice provision in its bylaws. Accordingly, all nominations are closed. We will now move to proposal two. The next item of business today is the ratification of the appointment of PricewaterhouseCoopers LLP as the corporation's independent registered public accounting firm for the fiscal year ending January 31st, 2027. The board of directors recommends voting for the ratification of the appointment of PricewaterhouseCoopers LLP as the corporation's independent registered public accounting firm for the fiscal year ending January 31st, 2027. We will now move to proposal three. The next item of business today is the approval of, on a non-binding advisory basis, the fiscal year 2026 compensation paid to the corporation's named executive officers. The board of directors recommends voting for the approval on a non-binding advisory basis of the fiscal year 2026 compensation paid to the corporation's named executive officers. We will now move to proposal four. The next item of business today is the approval of the HealthEquity Incorporated 2026 employee stock purchase plan. The board of directors recommends voting for the approval of the HealthEquity Incorporated 2026 employee stock purchase plan. We will now move to proposal five. The final item of business today is the approval of the amended and restated HealthEquity, Inc. 2024 equity incentive plan. The Board of Directors recommends voting for the approval of the amended and restated HealthEquity, Inc. 2024 equity incentive plan. There is no further business on the agenda to come before this meeting. I declare the polls now closed at 10:06 A.M. Mountain Daylight Time today, June 25th, 2026. Will the Secretary please report the preliminary results of voting? The Inspector of Election has informed us that the preliminary results indicate that the following nominees for Director have been duly elected: Robert Selander, Scott Cutler, Stephen Neeleman, M.D., Adrian Dillon, Evelyn Dilsaver, William Gassen, Debra McCowan, Rajesh Natarajan, Stuart Parker, and Gayle Wellborn. Next, the preliminary results indicate that a majority of the shares of common stock present in person or by proxy have voted for the ratification of the appointment of PricewaterhouseCoopers LLP as the corporation's independent registered public accounting firm for the fiscal year ending January 31st, 2027. Accordingly, the appointment of PricewaterhouseCoopers LLP as the corporation's independent registered public accounting firm for the fiscal year ending January 31st, 2027, has been ratified. Next, the preliminary results indicate that a majority of the shares of common stock present in person or by proxy have voted for the approval of, on a non-binding advisory basis, the fiscal year 2026 compensation paid to the corporation's named executive officers. Next, the preliminary results indicate that a majority of the shares of common stock present in person or by proxy have voted for the approval of the HealthEquity, Inc. 2026 employee stock purchase plan. Finally, the preliminary results indicate that a majority of the shares of common stock present in person or by proxy have voted for the approval of the amended and restated HealthEquity, Inc. 2024 equity incentive plan. The official results of this year's voting will be reflected in a Form 8-K to be filed with the Securities and Exchange Commission within four business days of this meeting. With no other official business to come before the meeting, I declare the meeting to be officially adjourned at 10:08 A.M. Mountain Daylight Time, June 25th, 2026. This concludes the formal business of the meeting, and we will now address any questions. As a reminder, questions must be submitted in writing through the messaging tool in the meeting portal. Scott and Jim will address any questions that are germane to the business of the corporation. Will the Secretary please report if any questions have been submitted through the meeting portal? It appears we do not have any questions from stockholders at this time. Our program for the day has concluded. Thank you all for attending today's meeting and for your continuing support of HealthEquity. That concludes our meeting today. You may now disconnect.