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2025-01-18
how to withdraw in phlboss using gcash
how to withdraw in phlboss using gcash Waterloo council hikes city taxes, water bills by 6.3 per cent

Arsenal's 'one-club mentality' falters, but women don't in UWCL win

“Wicked” doesn’t need a movie adaptation to be relevant — it’s already a cultural phenomenon, even before the behemoth two-part film adaptation hits theaters. The beloved Tony-winning Broadway musical is adapted from Gregory Maguire’s 1995 novel “Wicked: The Life and Times of the Wicked Witch of the West,” a revisionist history of Frank L. Baum’s 1900 fantasy novel “The Wonderful Wizard of Oz” and that book’s iconic 1939 film adaptation “The Wizard of Oz.” While Dorothy’s tornado-twirl into Technicolor is burned into our collective consciousness, so too is the massive note sung at the end of Act 1 by the witch at the center of “Wicked,” Elphaba, in the show’s signature song, “Defying Gravity.” The battle cry that emerges from Elphaba (played here by Cynthia Erivo) is breathtaking. It’s just the preceding rising action that feels a bit underwhelming. “Wicked” seeks to understand the Wicked Witch of the West, and the movie, which is written by Dana Fox and Winnie Holzman (who wrote the musical book), starts off when a denizen of Munchkinland dares to ask Glinda the Good Witch (Ariana Grande), in her big, pink bubble, “Is it true you were friends with her?” inspiring a flashback to their days at Shiz University, where the pair first encountered each other. Elphaba, rejected by her father since birth due to the color of her green skin, finds herself enrolled at Shiz when she follows her sister Nessarose (Marissa Bode) to school and accidentally unleashes some rough, untrained powers, catching the eye of Madame Morrible (Michelle Yeoh). She’s forced to bunk up with pretty, popular, pink-obsessed Galinda (the first iteration of the Good Witch’s name), and though they are at first at odds, Galinda can’t resist a makeover, or the intriguing powers of her new pal. It’s essentially a high school musical, with more magic, but not enough movie magic. The script has got to get Elphaba and Galinda to Oz to meet the Wizard (Jeff Goldblum) and hone Elphaba’s motivation for eventually defying the wizard (and gravity), which is wrapped up in a rushed subplot about talking animals being shunted out of a previously integrated society. Elphaba wants to help the animals because she feels connected with their plight as someone who is also physically different, but that desire doesn’t go beyond surface motivations. What makes Elphaba tick is clear — it’s just not always convincing. Grande is delightful as Galinda, but her character turns are also quite flat, and the world-building of this school could have been so much sharper and funnier. Bowen Yang does heroic work with a few ad libs and reactions as Galinda’s pal Pfannee, and Jonathan Bailey is terrific as the dashing prince Fiyero, but the setting doesn’t feel well-rounded on the screen. The camera is liberated (via CGI) in the song and dance numbers, but everything else is filmed in a boring fashion, the background melting into a dim, unfocused blur behind the actors. “Wicked” will delight fans of the stage production as a faithful adaptation that is at once playful but reverent to the iconic “Defying Gravity” and the story of understanding and togetherness despite social power structures that depend on fear and divisiveness. The weight of expectations is heavy to bear, and they bog down this movie. The film may struggle to take flight, but when it does, it is undeniably moving, with a message of freedom and defiance that resonates now more than ever. Get local news delivered to your inbox!

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By David Shepardson WASHINGTON (Reuters) - Reported sightings of drones over New Jersey have prompted a spike in the number of people in the state pointing lasers at airplanes flying overhead, which is illegal and can be dangerous, the U.S. Federal Aviation Administration said. The FAA said reports are up 269% to 59 in the first half of December, compared with eight in the same period last year. Aiming a laser at an aircraft is a serious safety issue and a violation of federal law. U.S. agencies have repeatedly said the spike in drone sightings does not pose national security risks and appear to be mostly aircraft, stars or hobbyist drones. The FAA said it has received dozens of new laser reports from pilots in New Jersey, New York and Pennsylvania airspace. The FBI in New Jersey separately warned people Wednesday not to shoot at suspected drones or point lasers at them, warning "there could be dangerous and possibly deadly consequences if manned aircraft are targeted mistakenly" as drones. Federal agencies have stepped up tracking of drones in New Jersey and in nearby states after a frenzy of public concern. Fewer than 100 of the more than 5,000 reported sightings in New Jersey and other northeastern U.S. states merited investigation, officials at the Defense Department, Homeland Security Department, FBI and FAA said this week. The Biden administration gave members of the U.S. House of Representatives Intelligence Committee a classified briefing on the issue on Tuesday. Officials have repeatedly said most of the large fixed-wing sightings involved manned aircraft, and came after U.S. President-elect Donald Trump on Monday called for more federal comment on the reported sightings. There are about 1 million registered drones flying about 42 million flights annually. "There are thousands of commercial, hobbyist and law enforcement drones lawfully in the sky on any given day. With the technology landscape evolving, we expect that number to increase over time," agencies said this week. (Reporting by David Shepardson; Editing by Leslie Adler and David Gregorio)TORONTO (AP) — Canada is already examining possible retaliatory tariffs on certain items from the United States should President-elect Donald Trump follow through on his threat to impose sweeping tariffs on Canadian products, a senior official said Wednesday. has threatened to impose tariffs on products from Canada and Mexico if the countries don’t stop what he called the flow of drugs and migrants across southern and northern borders. He said he would impose a 25% tax on all products from Canada and as one of his first executive orders. A Canadian government official said Canada is preparing for every eventuality and has started thinking about what items to target with tariffs in retaliation. The official stressed no decision has been made. The person spoke on condition of anonymity as they were not authorized to speak publicly. When Trump imposed higher tariffs during his first term in office, other countries responded with retaliatory tariffs of their own. Canada, for instance, announced against the U.S. in a tit-for-tat response to new taxes on Canadian steel and aluminum. Many of the U.S. products were chosen for their political rather than economic impact. For example, Canada imports $3 million worth of yogurt from the U.S. annually and most comes from one plant in Wisconsin, home state of then-House Speaker Paul Ryan. That product was hit with a 10% duty. Another product on the list was whiskey, which comes from Tennessee and Kentucky, the latter of which is the home state of then-Republican Senate leader Mitch McConnell. Trump made the threat Monday while railing against an influx of illegal migrants, even though the numbers at Canadian border pale in comparison to the southern border. The U.S. Border Patrol made 56,530 arrests at the Mexican border in October alone — and 23,721 arrests at the Canadian one between October 2023 and September 2024. Canadian officials say lumping Canada in with Mexico is unfair but say they are happy to work with the Trump administration to lower the numbers from Canada. The Canadians are also worried about a influx north of migrants if Trump follows through with his plan for mass deportations. Trump also railed about fentanyl from Mexico and Canada, even though seizures from the Canadian border pale in comparison to the Mexican border. U.S. customs agents seized 43 pounds of fentanyl at the Canadian border last fiscal year, compared with 21,100 pounds at the Mexican border. Canadian officials argue their country is not the problem and that tariffs will have severe implications for both countries. Canada is the top export destination for 36 U.S. states. Nearly $3.6 billion Canadian (US$2.7 billion) worth of goods and services cross the border each day. About 60% of U.S. crude oil imports are from Canada, and 85% of U.S. electricity imports are from Canada. Canada is also the largest foreign supplier of steel, aluminum and uranium to the U.S. and has 34 critical minerals and metals that the Pentagon is eager for and investing in for national security. “Canada is essential to the United States’ domestic energy supply,” Deputy Prime Minister Chrystia Freeland said. Trump has pledged to cut American energy bills in half within 18 months, something that could be made harder if a 25% premium is added to Canadian oil imports. In 2023, Canadian oil accounted for almost two-thirds of total U.S. oil imports and about one-fifth of the U.S. oil supply. Prime Minister Justin Trudeau is holding a emergency virtual meeting on Wednesday with the leaders of Canada’s provinces, who want Trudeau to negotiate a bilateral trade deal with the United States that Mexican President Claudia Sheinbaum said Wednesday that her administration is already working up a list of possible retaliatory tariffs “if the situation comes to that.”Apple is in discussions with Tencent and ByteDance to potentially integrate AI models into iPhones sold in China, according to sources. The talks come as Apple's market share in China wanes. Regulatory barriers have prevented ChatGPT's availability, prompting Apple to seek local partnerships for AI integration. The absence of AI features in Chinese iPhones has placed Apple at a disadvantage as it competes with domestic brands. Huawei's recent AI-powered phone release has contributed to its 42% sales surge in Q3, contrasting Apple's 0.3% decline. Meanwhile, Apple's negotiations with Baidu face setbacks over technical issues. (With inputs from agencies.)

People in urban communities of the Bay Area are likely already used to the screech of tires that can signal the presence of a nearby “sideshow” or street takeover . Although this aspect of car culture is native to Northern California, police are cracking down on them due to the dangers and inconveniences posed. Q: What is a sideshow? Sideshows are informal, and often illegal, car shows where drivers perform tricks in front of a crowd, often taking place in vacant parking lots or even in wide street intersections. Some sideshows have happened in high-profile locations like the Bay Bridge . According to San Jose Deputy Police Chief Brandon Sanchez, the term “sideshow” was a spin-off of “high-siding,” when a person sits on the passenger side window of a car while someone else was driving. The term evolved as high-siding became a spectator sport into sideshows. Q: What happens at a sideshow? Oakland native and Northeastern University professor Mario Hernandez said that sideshows were based in a masculine, muscle car culture around classics like Ford Mustangs, Chevrolet Camaros and Dodge Chargers. Although some people showed off their cars by washing them before an event, sideshows also attracted drivers with older, junkier cars, he said. There was a DIY aspect to the culture, with people hooking up amps and wires through their car. “It’s an extension of yourself in a lot of ways, because it’s like you put time and energy and money into it,” Hernandez said. Sideshows commonly include racing and driving donuts with the doors open. An infamous and dangerous trick is ghost-riding, which is when someone exits a car while it is in drive and stands or dances in the street alongside the moving vehicle. Hernandez said another common sight is people sticking out of the sunroof as someone else drives. Sideshows in the Bay Area have taken place at all times of the day and night, sometimes running into the early hours of the morning. Q: Why are sideshows illegal? Although young people participating and watching sideshows in the past kept their activities to abandoned or unused areas, like parking lots, University of Redlands professor Jennifer Tilton said local businesses and city leaders complained about tire tracks in the street and the noise in the late evening and early morning hours caused by drivers, large crowds and loud music, leading to police cracking down. Aside from the danger posed by the stunts performed by drivers, Sanchez said violence has been increasing around sideshows. He gave examples of stolen vehicles, assaults and people in the crowd carrying guns and shooting them off into the air. He also pointed to looting and vandalism of storefronts near intersections where sideshows occur. While the crackdowns pushed some events into neighborhoods and smaller street intersections, other sideshows moved to large arteries, like Stevens Creek Boulevard and Winchester Boulevard, which interrupted the flow of traffic. When police came to bust drivers, the resulting car chase became a part of the thrill and added to the danger. Additionally, because sideshows would attract large crowds, Sanchez said it can take “almost a small army” to break up the activity, which puts a strain on the police’s resources when they are needed elsewhere. Q: What is Bay Area law enforcement doing about sideshows? For as long as sideshows have existed, expression and enforcement has been a cat-and-mouse game between promoters and police. People driving in sideshows can be charged with a misdemeanor offense such as reckless driving, and face a number of penalties, including fines, jail time, vehicle impoundment or driver’s license suspension. In some California cities, including San Jose and Oakland, watching a sideshow could be punishable with fines , jail time, probation or community service. Since the early 2000s, Oakland has passed a series of laws criminalizing sideshows, enabling police to seize involved cars and ticketing people for watching them. The Oakland Department of Transportation introduced a pilot program in 2021 intended to curb sideshow activity: One part included building curb extensions and traffic islands to reduce the number of intersections where a sideshow could take place, and another focused on modifying street surfaces with different materials, like steel plates, to deter sideshow activities in a low-cost way. In San Jose, Sanchez said the police use a variety of strategies to find and break up sideshows and their organizers, leading to a “nice downward tick” in sideshow activity in the South Bay city. They monitor social media to find out when and where a sideshow might occur and schedule more officers on duty, if possible. They also also use license plate reader cameras and other intelligence to identify promoters, spectators and the cars they drive. Because sideshows can quickly move from intersection to intersection, Sanchez said they also share information with other Bay Area jurisdictions to identify drivers and vehicles. “What we’ve tried to do in San Jose is try to bring some awareness to sideshows, the violence that actually comes with it,” Sanchez said. Q: How did sideshows first start? Sideshows first started coming onto the scene around the late 1980s and early 1990s, said Tilton. One of the most notable places where sideshows took place was the Eastmont Mall parking lot, she said. Formerly a car factory in the early 20th century, the location provided jobs for working class people. But as East Oakland integrated in the late 1960s, the predominantly white community in the area moved out to the suburbs, taking their businesses and their capital with them. The mall — built in the early 1980s to serve a burgeoning population of mostly Black middle class residents — was on the decline by the end of the decade, leaving young people without a major recreational outlet. Tilton said the young people in East Oakland, specifically young Black people, at the time told her that there was “nothing to do in East Oakland” and there were “no spaces in which they were welcome.” So, sideshows were born out of their boredom and lack of public space where they could come together. And in the early days, it was seen as a positive thing young people could do with their time as an alternative to getting involved in the drug market.NEW YORK , Dec. 18, 2024 /PRNewswire/ -- S&P MidCap 400 constituent Lennox International Inc. (NYSE: LII) will replace Catalent Inc. (NYSE: CTLT) in the S&P 500, and BILL Holdings Inc. (NYSE: BILL) will replace Lennox International in the S&P MidCap 400 effective prior to the opening of trading on Monday, December 23 . Novo Holdings A/S has acquired Catalent in a deal that closed today, December 18 . Following is a summary of the changes that will take place prior to the open of trading on the effective date: Effective Date Index Name Action Company Name Ticker GICS Sector Dec 23, 2024 S&P 500 Addition Lennox International LII Industrials Dec 23, 2024 S&P 500 Deletion Catalent CTLT Health Care Dec 23, 2024 S&P MidCap 400 Addition BILL Holdings BILL Information Technology Dec 23, 2024 S&P MidCap 400 Deletion Lennox International LII Industrials For more information about S&P Dow Jones Indices, please visit www.spdji.com ABOUT S&P DOW JONES INDICES S&P Dow Jones Indices is the largest global resource for essential index-based concepts, data and research, and home to iconic financial market indicators, such as the S&P 500® and the Dow Jones Industrial Average®. More assets are invested in products based on our indices than products based on indices from any other provider in the world. Since Charles Dow invented the first index in 1884, S&P DJI has been innovating and developing indices across the spectrum of asset classes helping to define the way investors measure and trade the markets. S&P Dow Jones Indices is a division of S&P Global (NYSE: SPGI), which provides essential intelligence for individuals, companies, and governments to make decisions with confidence. For more information, visit www.spdji.com . FOR MORE INFORMATION: S&P Dow Jones Indices index_services@spglobal.com Media Inquiries spdji.comms@spglobal.com View original content: https://www.prnewswire.com/news-releases/lennox-international-set-to-join-sp-500-and-bill-holdings-to-join-sp-midcap-400-302335548.html SOURCE S&P Dow Jones Indices

The New York Medical Cannabis Industry Association (NYMCIA) has filed a lawsuit against the New York Cannabis Control Board (CCB) and the Office of Cannabis Management (OCM) over a $20 million fee for adult-use cannabis licenses. The NYMCIA is asking for the fees to be declared unconstitutional and refund any fees already paid, reported Green Market Report. The lawsuit centers on the argument that the fee is punitive and disproportionately affects the original cannabis operators (Registered Organizations or ROs) who helped launch the state's medical marijuana program in 2014. Under NY’s legalization plan, Marijuana Regulation and Taxation Act (MRTA), a one-time fee was meant to fund social equity programs, but the NYMCIA argues the OCM and CCB set the fee at $20 million without consideration. The association claims the fee is designed to financially burden the ROs and exclude them from the adult-use market. According to them, the financial impact of the fee has been severe and has prohibited many operators from switching to the adult-use market. Read Also: Advocacy Groups Demand Gov. Hochul Appoint New Leadership For NY’s Cannabis Office Only four out of the ten original ROs have been able to make the first $5 million installment payment to transition to adult-use licenses. The rest are left with wholesale-only licenses, limiting their market opportunities. This has also led to closures and reduced hours at medical dispensaries, negatively affecting patients. The lawsuit points to statements from former OCM leaders, such as Chief of Staff Axel Bernabe, who allegedly acknowledged that the intention was to keep ROs out of the adult-use market. The NYMCIA is demanding that the court invalidate the fee and refund any payments made. If successful, the case could have broad implications for the future of cannabis regulation in New York and other states navigating similar issues. Read Next: New Yorkers In A Bind As Top-Shelf Cannabis Supply Falls Short, Could Home Cultivation Help COVER: Photo by Lukas Kloeppel via Pexels © 2024 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.Illumen Capital is doubling down on its support for fund managers and founders from underrepresented communities. The firm is an impact fund of funds that has previously supported ways to address racial bias in investing. Yesterday, the firm, founded by Daryn Dodson, announced the raise of a $32.75 million “Catalyst Fund “to once again support emerging fund managers and founders, especially those hailing from underrepresented backgrounds. The news comes during a fraught time for many diverse funding managers and founders, who are seeing less financial support than in the years before. Black founders raised less than 1% of venture capital funding last year, according to Crunchbase, and as of H1, was on track to continue seeing a funding decline. Speaking to TechCrunch, Dodson said, “During terms of economic uncertainty, political polarization, and concerns of ongoing inflation, we’ve seen biases increase,” Dodson told TechCrunch, adding that these biases are also playing out in the venture space, where billions of capital are still going to the same people. When asked about fundraising, Dodson said that the firm was fortunate enough to have “established deep relationships,” with limited partners that are “committed to backing the next generation of VC and PE managers.” The firm has approximately $285 million in assets under management, it said. It last raised a $168 million Fund II in 2023 to also address racial and gender bias in investing. Dodson said the Catalyst Fund is a complementary strategy to its first two funds. “Whereas our Fund I and Fund II focused on more established managers, the Catalyst Fund prioritizes first-time managers and early-stage founders,” he continued. “It was intentionally a smaller vehicle, and we were fortunate that two of our anchor investors from our Fund II – Ford Foundation and Health Forward Foundation – backed this latest fund.” The Fund hopes to invest at least 65% of capital into first-time venture managers and up to 35% of capital as direct co-investments into companies sourced through any of its active funds. “At least 90% of the fund will likely be focused domestically,” Dodson continued. “And up to 20% in emerging markets.” The fund will look generally at managers working in education, health and wellness, financial inclusion, climate, and sustainability, he said. Dodson hopes to deploy the fund within the next year and a half. “We see our Catalyst Fund taking advantage of a market inefficiency,” he said. “With the Catalyst Fund, we hope to demonstrate the intrinsic value of backing diverse-led funds, and identify the best of the next generation of venture managers.”Who will replace Ray Hadley? Bizarre theory emerges over broadcast veteran's potential successor

Ghana's opposition leader John Mahama officially won the country's election on Monday, easily defeating the ruling party candidate after voters punished the government's economic management and high living costs. Mahama won 56 percent of the votes in Saturday's presidential ballot, compared to the ruling party candidate and Vice President Mahamudu Bawumia, who secured 41 percent, the electoral commission said announcing official results. The landslide comeback for former president Mahama ended eight years in power for the New Patriotic Party (NPP) under President Nana Akufo-Addo, whose last term was marked by Ghana's worst economic turmoil in years, an IMF bailout and a debt default. "These eight years have witnessed some of the darkest periods of our governance," Mahama told crowds of supporters blowing horns and whistles in his party office in Accra. "This mandate also serves as a constant reminder of what fate awaits us if we fail to meet the aspirations of our people." Bawumia, a former central banker, had already quickly conceded defeat on Sunday, acknowledging Ghanaians wanted change after the government failed to shake off widespread frustration. Bawumia also said the Mahama's National Democratic Congress (NDC) party had won the parliamentary vote in Saturday's election. Official results for the parliament are still being tallied. Mahama, 66, had previously failed twice to secure the presidency, but in Saturday's election he managed to tap into expectations of change among Ghanaians. He promised to "reset" Ghana, usher in economic revival and renegotiate parts of the country's $3 billion IMF accord. In his acceptance speech, Mahama promised reforms and "severe" measures to bring Ghana back on track. "The journey is not going to be easy... because the outgoing government has plunged our dear nation into the abyss," he said. "I am certain that we shall win the battle." With a history of democratic stability, Ghana's two major parties, the NPP and NDC, have alternated in power equally since the return to multi-party politics in 1992. But Ghana's economic woes dominated the 2024 election, after the continent's top gold producer and world's second cacao exporter went through a debt crisis, the default and currency devaluation. Turnout for Saturday election was 60.9 percent, a slide in participation from 79 percent in the 2020 election, results showed. With a slogan "Break the 8" -- a reference to two, four-year terms in power -- Bawumia had sought to take the NPP to an unprecedented third mandate. But he struggled to break from criticism of Akufo-Addo's economic record. While inflation slowed from more than 50 percent to around 23 percent, and other indicators stabilised, economic concerns were still a clear election issue for most Ghanaians. That frustration opened the way for a comeback from Mahama, who first came to the presidency in 2012 when he was serving as vice president and then President John Atta Mills died in office. During campaigning, the former president also faced criticism from those who remember his government's own financial tribulations and especially the massive power blackouts that marred his time in office. bur/pma/giv

How major US stock indexes fared Friday, 12/6/2024Highlights of the third quarter include: "Strong third quarter results delivered by Team Purple helped drive HSAs to 9.5 million, HSA Assets to $30 billion, Total Accounts to 16.5 million and quarterly revenue to over $300 million, all quarterly records," said Jon Kessler, President and CEO of HealthEquity. "Year to date, we have generated $264 million of cash from operations. This momentum has enabled us to return $60 million of capital to our shareholders via share repurchases, accelerate platform investments, raise our fiscal 2025 guidance, and provide a healthy initial outlook for fiscal year 2026." Third quarter financial results Revenue for the third quarter ended October 31, 2024 was $300.4 million, an increase of 21% compared to $249.2 million for the third quarter ended October 31, 2023. Revenue this quarter included: service revenue of $119.2 million, custodial revenue of $141.0 million, and interchange revenue of $40.3 million. HealthEquity reported net income of $5.7 million, or $0.06 per diluted share, and non-GAAP net income of $69.4 million, or $0.78 per diluted share, for the third quarter ended October 31, 2024. The Company reported net income of $14.7 million, or $0.17 per diluted share, and non-GAAP net income of $52.2 million, or $0.60 per diluted share, for the third quarter ended October 31, 2023. Adjusted EBITDA was $118.2 million for the third quarter ended October 31, 2024, an increase of 24% compared to the third quarter ended October 31, 2023. Adjusted EBITDA was 39% of revenue, compared to 38% for the third quarter ended October 31, 2023. Account and asset metrics HSAs as of October 31, 2024 were 9.5 million, an increase of 15% year over year, including 717,000 HSAs with investments, an increase of 21% year over year. Total Accounts as of October 31, 2024 were 16.5 million, including 7.0 million other consumer-directed benefits ("CDBs"). Total HSA Assets as of October 31, 2024 were $30.0 billion, an increase of 33% year over year. Total HSA Assets included $16.4 billion of HSA cash and $13.6 billion of HSA investments. Client-held funds, which are deposits held on behalf of our Clients to facilitate administration of our CDBs, and from which we generate custodial revenue, were $0.7 billion as of October 31, 2024. Stock repurchase program The Company repurchased 0.7 million shares of its common stock for $60.0 million during the third quarter ended October 31, 2024. As of October 31, 2024, $240.0 million of common stock remained authorized for repurchase under the Company's stock repurchase program. Business outlook For the fiscal year ending January 31, 2025, management expects revenue of $1.185 billion to $1.195 billion. Its outlook for net income is between $88 million and $96 million, resulting in net income of $0.99 to $1.08 per diluted share. Its outlook for non-GAAP net income, calculated using the method described below, is between $274 million and $281 million, resulting in non-GAAP net income per diluted share of $3.08 to $3.16 (based on an estimated 89 million diluted weighted-average shares outstanding). Management expects Adjusted EBITDA of $470 million to $480 million. For the fiscal year ending January 31, 2026, management expects revenue of approximately $1.275 billion to $1.295 billion and Adjusted EBITDA of approximately 41.5% to 42.5% of revenue. These amounts assume an average annualized yield on HSA cash of approximately 3.4% to 3.5%. See "Non-GAAP financial information” below for definitions of our Adjusted EBITDA and non-GAAP net income. A reconciliation of the non-GAAP financial measures used throughout this release (other than with respect to our Adjusted EBITDA outlook for the fiscal year ending January 31, 2026) to the most comparable GAAP financial measures is included with the financial tables at the end of this release. A reconciliation of our Adjusted EBITDA outlook for the fiscal year ending January 31, 2026 to net income, its most directly comparable GAAP measure, is not included, because our net income outlook for this future period is not available without unreasonable efforts as we are unable to predict certain significant items excluded from this non-GAAP measure, such as stock-based compensation expense and income tax provision. Conference call HealthEquity management will host a conference call at 4:30 pm (Eastern Time) on Monday, December 9, 2024 to discuss the fiscal 2025 third quarter financial results. The conference call will be accessible by dialing 1-833-630-1956, or 1-412-317-1837 for international callers, and referencing conference ID "HealthEquity." A live audio webcast of the call will be available on the investor relations section of our website at http://ir.healthequity.com. Non-GAAP financial information To supplement our financial information presented on a GAAP basis, we disclose non-GAAP financial measures, including Adjusted EBITDA, non-GAAP net income, and non-GAAP net income per diluted share. About HealthEquity HealthEquity and its subsidiaries administer HSAs and various other consumer-directed benefits for over 16 million accounts, working in close partnership with employers, benefits advisors, and health and retirement plan providers who share our unwavering commitment to our mission to save and improve lives by empowering healthcare consumers. Through cutting-edge solutions, innovation, and a relentless focus on improving health outcomes, we empower individuals to take control of their healthcare journey while ultimately enhancing their overall well-being. Learn more about our "Purple" service and approach at www.healthequity.com. Forward-looking statements This press release contains "forward-looking statements” within the meaning of the "safe harbor” provisions of the Private Securities Litigation Reform Act of 1995, including but not limited to, statements regarding our industry, business strategy, plans, goals and expectations concerning our markets and market position, product expansion, future operations, expenses and other results of operations, revenue, margins, profitability, acquisition synergies, future efficiencies, tax rates, capital expenditures, liquidity and capital resources and other financial and operating information. When used in this discussion, the words "may,” "believes,” "intends,” "seeks,” "aims,” "anticipates,” "plans,” "estimates,” "expects,” "should,” "assumes,” "continues,” "could,” "will,” "future” and the negative of these or similar terms and phrases are intended to identify forward-looking statements in this press release. Forward-looking statements reflect our current expectations regarding future events, results or outcomes. These expectations may or may not be realized. Although we believe the expectations reflected in the forward-looking statements are reasonable, we can give you no assurance these expectations will prove to be correct. Some of these expectations may be based upon assumptions, data or judgments that prove to be incorrect. Actual events, results and outcomes may differ materially from our expectations due to a variety of known and unknown risks, uncertainties and other factors. Although it is not possible to identify all of these risks and factors, they include, among others, risks related to the following: Investor Relations Contact Richard Putnam 801-727-1000 [email protected] HealthEquity, Inc. and subsidiaries Condensed consolidated balance sheets HealthEquity, Inc. and subsidiaries Condensed consolidated statements of operations and comprehensive income (unaudited)

Serve Robotics Announces Appointment of Lily Sarafan to its Board of DirectorsHurricane Helene: The Young Adults Helping Communities RecoverSamsung’s dream of having “screens everywhere” is a step closer to becoming a reality, with the company announcing it is bringing its “advanced screen technology” to a broader range of home appliances. Samsung is launching a refrigerator with a new 9-inch AI Home screen, and adding the 7-inch AI Home to the Wall Oven. The new 9-inch is for those who prefer a more compact option to the 21.5-inch and 32-inch Family Hubs that are in some fridges. Meanwhile, in the laundry category, the 7-inch AI Home that is already in the Bespoke AI Laundry Combo, will be included in the new Bespoke AI Washer and Dryer set. Samsung is showcasing these new products at CES 2025 from January 7-10 in Las Vegas. ChannelNews will again be there covering all the events of significance. Samsung AI Home expansion. “We have been leading the development of screen appliances to elevate our consumers’ experiences with innovative features and functionalities”, said Jeong Seung Moon, EVP and Head of the R&D Team for Digital Appliances Business at Samsung Electronics. “Along with those efforts towards enhancing usability, we are expanding consumer options by developing screens of different sizes and products that effectively incorporate them.” The company says its goal is to “enhance usability for consumers while also realising an interconnected smart home”. “Supporting voice control via Bixby, the screens on Samsung appliances showcase essential information about the task such as internal temperature or washing cycle information, in an intuitive and straightforward way.” It says the Map View feature “is a key differentiator, allowing the screens to function as simplified, convenient control hubs where users can monitor and control their connected appliances from a single screen” and “provide various entertainment features through internet connection”. The updated Map View allows users to select modes for connected devices like the air conditioner and robot vacuum, and can be accessed directly from the home screen.Former President Jimmy Carter , the longest-living U.S. president at 100 years old, passed away on Sunday, December 29 . The Carter Center confirmed he died in Plains, Georgia, surrounded by his family. He had laid his wife, Rosalynn Carter , to rest on November 28, 2023. Rosalyn’s memorial service came nine months after it was announced that the former president would receive hospice care in February. Jimmy “decided to spend his remaining time at home with his family and receive hospice care instead of additional medical intervention” after a series of short hospital stays, according to a statement from The Carter Center . Rosalyn’s passing was announced shortly after she began hospice care herself earlier in November, following a dementia diagnosis . Following her death, the former president paid tribute to her in a statement shared by the Carter Center. “Rosalynn was my equal partner in everything I ever accomplished,” he said. “She gave me wise guidance and encouragement when I needed it. As long as Rosalynn was in the world, I always knew somebody loved and supported me.” The former Georgia senator had an incredible career as a humanitarian following his four years in the White House from 1977 to 1981. He became synonymous with Habitat for Humanity and worked tirelessly as an ambassador to impoverished countries, earning himself the Nobel Peace Prize in 2002. “When I was president of the most powerful and influential nation on earth, I had more total influence over peace and progress and things like that,” Jimmy said in a 2017 interview with Oprah Winfrey . “But the last 35 years since I’ve left the White House has been the most challenging and interesting and adventurous and unpredictable and gratifying times of my life. ... And the things that I tried and didn’t quite accomplish because of change in circumstances and so forth. But, I did the best I could. As my vice president said, ‘We told the truth, we obeyed the law and we kept the peace.'” Along with his incredible career, Carter had an extremely successful personal life. He married his childhood sweetheart, Rosalyn Smith, on July 7, 1946 and they welcomed four wonderful children. In a 2015 interview with CNN , the former politician said his wife and children are “the foundation for my entire enjoyment of life.” He added, “We have a big family now, we have 22 grandchildren and great-grandchildren, 38 of us in all. So, we try to hold our family together and just enjoy the family life.” Learn more about Carter’s kids, below. Jack Carter The Carter’s eldest child, son Jack Carter , was born on July 3, 1947 at Portsmouth, Virginia during his father’s naval service, according to The Jimmy Carter Presidential Library . After attending Georgia Tech, Emory University, and Georgia Southwestern, Jack joined the Navy. He returned to Georgia in 1971, where he married Judy Langford , and they had two children: Jason James born August 7, 1975 and Sarah Rosemary born on December 19, 1978. Jack then earned a degree in nuclear physics at Georgia Tech and a law degree at the University of Georgia. However, he entered the political arena in 2006, when he ran as the Democratic candidate for U.S. Senate in Nevada before losing to the Republican incumbent. Jack remarried in 1992, and his second wife, Elizabeth Brasfield , had two children from a previous relationship: John Chuldenko and Sarah Reynold , per Country Living . James ‘Chip’ Carter Born April 12, 1950, in Honolulu, James “Chip” Carter is the second child of Jimmy and Roselyn. He is an attorney and served as a state senator in Georgia from 1995 to 1999. On June 23, 1973, Chip married Caron Griffin , whom he had met while working on his father’s campaign for Georgia governor, per People . They welcomed a son named James Earl Carter IV on Feb. 25, 1977. After Chip and Caron split in 1979, Chip married Ginger Hodges and had a daughter named Margaret Alicia Carter with her on Sept. 23, 1987. However, that marriage ended in divorce in 2001, and Chip would go on to marry his third wife, Becky Payne . Following his mother’s death, Chip released his own statement, honoring the former first lady. “Her life of service and compassion was an example for all Americans. She will be sorely missed not only by our family but by the many people who have better mental health care and access to resources for caregiving today,” he said. Chip also confirmed his father’s death on Dec. 29 in a statement, “My father was a hero, not only to me but to everyone who believes in peace, human rights, and unselfish love. My brothers, sister, and I shared him with the rest of the world through these common beliefs. The world is our family because of the way he brought people together, and we thank you for honoring his memory by continuing to live these shared beliefs.” Donnel ‘Jeff’ Carter Donnel “Jeff” Carter was born on Aug. 18, 1952, in New London, Connecticut. He graduated from George Washington University in 1978 with a geography degree and a specialty “in computer cartography,” per Time . Jeff and his former professor co-founded the company Computer Mapping Consultants the same year of his graduation. He and his wife, Annette Jene Davis , welcomed three sons together: Joshua, Jeremy, and James . Sadly, Jeremy passed away at the age of 28 in 2015. He was found unresponsive after taking a nap at his home and later died in a hospital, according to The Atlanta Journal-Constitution . Annette died on Sept. 19, 2021, at age 68. Amy Lynn Carter The youngest child and only daughter of Jimmy and Rosalynn, Amy Carter , arrived on Oct. 19, 1967. She was only 10 years old when her family moved into the White House. She became known for her political activism during her 20s. Amy then went on to get her bachelor’s degree from the Memphis College of Art in 1991. Four years later, Amy illustrated her father’s children’s book, The Little Baby Snoogle-Fleejer . She would go on to get her master’s in art history from Tulane University in 1996. That same year, Amy married computer consultant James Wentzel and the couple welcomed son Hugo in July 1999.

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