Richard Putnam | Vice President of Investor Relations |
Jon Kessler | President and Chief Executive Officer |
Steve Neeleman | Founder and Vice Chair |
Darcy Mott | EVP and Chief Financial Officer |
Anne Samuel | JPMorgan |
Donald Hooker | KeyBanc |
Mohan Naidu | Oppenheimer |
Chris Howe | Barrington Research |
Mark Marcon | Baird |
Joy Zhang | Citigroup |
Allen Lutz | Bank of America |
Welcome to HealthEquity's fourth quarter 2019 Earnings Conference Call. Please note that this event is being recorded. I would now like to turn the conference over to Richard Putnam of Investor Relations. Go ahead, Mr. Putnam.