6 unchanged sentences
As a result, the funds that we place with our depository partners in this environment have been, and are likely to continue to be, placed at, lower interest rates than we originally expected.
−Removed: In addition, stock market declines have negatively impacted HSA investment assets and the related fees we earn from HSA investment assets, and any future declines will also have a negative impact.
+Added: In addition, stock market volatility, such as a decline in the stock market, decreases HSA investment assets and the related fees we earn from HSA investment assets, and any future declines will also have a negative impact.
+Added: We have also seen an increase in regulatory changes related to our products due to government responses to the COVID-19 pandemic and may continue to see additional regulatory changes, which changes require substantial time and costs for us to ensure compliance.
Our financial results related to certain of our products have also been adversely affected.
3 unchanged sentences
In addition, as an increasing number of companies go out of business, the number of our Clients and potential Clients would be adversely affected.
−Removed: Increased unemployment may mean that fewer of our members contribute to HSAs, FSAs or other CDBs.
+Added: Increased unemployment may mean that fewer of our members utilize HSAs, FSAs or other CDBs.
Regulatory changes related to our products, such as COBRA, have created uncertainty and additional workload on our team members, which could reduce our operational efficiency and result in additional costs.
1 unchanged sentence
As a result of the ongoing pandemic, substantially all of our team members are working from home.
−Removed: Sales opportunities have been impacted by the lack of travel and in-person meetings, with some opportunities delayed or now being held virtually.
+Added: Sales opportunities have been impacted by the lack of travel and in-person meetings, with some opportunities delayed and most now being held virtually, and we will be supporting the open enrollment activities of our Clients virtually.
We may be unable to meet our service level commitments to our Clients as a result of disruptions to our work force and disruptions to third-party contractors that we rely on to provide our services.
1 unchanged sentence
The risk of cybersecurity breaches and incidents, and the potential impact of these on our operations, is also higher while our team members log in to our network remotely.
−Removed: The extent to which the COVID-19 pandemic will continue to negatively impact our business remains highly uncertain and, as a result, may continue to have a material adverse impact on our business and financial results.
+Added: The extent to which the COVID-19 pandemic will continue to negatively impact our business remains highly uncertain and, as a result, may continue to have a material and adverse impact on our business and financial results.
Incorporate by reference
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Exhibit Filing Date
−Removed: 10.1+ Transition, Separation and Release Agreement between the Company and Ashley Dreier, dated February 13, 2020.
−Removed: 10.2+ Amendment No.
−Removed: 1 to Employment Agreement between the Company and Jon Kessler, dated April 1, 2017
+Added: 10.1+ Transition and Separation Agreement between the Company and Darcy Mott, dated June 25 , 2020.
31.1+ Certification of the Principal Executive Officer Pursuant to Exchange Act Rules 13a-14(a) and 15d-14(a), as Adopted Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
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101.PRE Inline XBRL Taxonomy presentation linkbase document
−Removed: 104 The cover page from the Company’s Quarterly Report on Form 10-Q for the quarter ended April 30, 2020, formatted in Inline XBRL.
+Added: 104 The cover page from the Company’s Quarterly Report on Form 10-Q for the quarter ended July 31, 2020, formatted in Inline XBRL.
+ Filed herewith.
3 unchanged sentences
HEALTHEQUITY, INC.
−Removed: June 4, 2020 By:
+Added: September 9, 2020 By:
/s/ Darcy Mott
1 unchanged sentence
Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.