144 0001683056 XXXXXXXX LIVE 0001428336 HEALTHEQUITY, INC. 001-36568 15 WEST SCENIC POINTE DRIVE SUITE 100 DRAPER UT 84020 801.727.1000 Delano Ladd Officer Common Stock Morgan Stanley Smith Barney

2000 Westchester Ave Purchase NY 10577-2530

7726 637599.13 84478406 03/31/2026 NASDAQ Common Stock 03/29/2023 Restricted Stock Vesting ISSUER N 7726 03/31/2026 Compensation N Delano Ladd

C/O HealthEquity, Inc. 15 W. Scenic Pointe Dr. Ste, 100 Draper UT 84020

Common Stock 01/09/2026 739 142080.00 This sale is mandated by the Issuer's election under its equity incentive plan to require the satisfaction of a tax withholding obligation to be funded by a "sell to cover" transaction and does not represent a discretionary trade by the reporting person. 04/02/2026 /s/ Delano Ladd