Maximize Your Financial Management with the Benefits OnLine® App

In today's fast-paced financial landscape, managing your accounts efficiently is crucial. The Benefits OnLine® app offers a comprehensive suite of tools designed to help you take control of your investments and financial information. This article explores the key features of the app, ensuring you can make the most of your financial management experience.

Effortlessly Manage Your Accounts

The Benefits OnLine® app allows you to:

• Check Account Balances: Instantly view your account balances, detailed holdings, and transaction history.
• Manage Investments: Adjust your contribution rates and oversee your investment portfolio with ease.
• Interactive Account Summary: Access a visually engaging account summary that provides insights into your financial status.
• Request Transactions: Easily request loans, withdrawals, or rollovers directly through the app.

Access Comprehensive Financial Information

Stay informed about market trends and data:

• Market Data Review: Analyze U.S. and global market data to make informed investment decisions.
• Device Watchlist: Add securities to your watchlist for quick access and monitoring.
• Monitor Major Securities: Keep an eye on significant market securities to stay ahead of the curve.

Personalize Your Financial Experience

Enhance your user experience with personalized features:

• My To-Do List: Stay organized with a personalized to-do list and receive alert messages for important updates.
• Account Balances Display: View your Merrill investment account balances alongside your Bank of America account balances and benefit plan accounts for a holistic view of your finances.
• Online Delivery: Opt for online delivery of statements and confirmations to reduce paper clutter and streamline your financial management.

Prioritize Security for Peace of Mind

Your financial security is paramount. The Benefits OnLine® app offers robust security features:

• Fingerprint ID: Set up fingerprint login for secure access without the need for a password, enhancing your account's security.
• Privacy & Security Resources: Visit our dedicated Privacy & Security page to learn about the various features designed to protect your accounts and personal information.

Important Notice for Users

The Benefits OnLine® app for Android is exclusively available to clients with access to the benefits.ml.com website. Please note that some features and services may not be accessible through the app. For full functionality, visit the website directly. By downloading and using this app, you agree to the current Terms & Conditions, which include the Application License Agreement.

Note: You may incur access fees from your wireless service provider based on your mobile device. Check with your provider for specific details regarding fees and charges.

Device Eligibility: Certain devices qualify for enrollment in fingerprint login, enhancing your security experience.

Understanding the Services Offered

Merrill provides a range of products and services through Merrill Lynch, Pierce, Fenner & Smith, Incorporated (MLPF&S), a registered broker-dealer and member of the Securities Investor Protection Corporation (SIPC). Insurance and annuity products are available through Merrill Lynch Life Agency Inc., a licensed insurance agency and a wholly owned subsidiary of Bank of America Corporation.

Merrill is the marketing name for Merrill Lynch Wealth Management and Merrill Edge®, both accessible through MLPF&S. Merrill Edge includes the Merrill Edge Advisory Center for investment guidance and self-directed online investing options.

Trust and fiduciary services are provided by U.S. Trust, a division of Bank of America, N.A., and U.S. Trust Company of Delaware, both wholly owned subsidiaries of Bank of America Corporation. Banking products are offered by Bank of America, N.A. and affiliated banks, all members of the FDIC.

Investment Product Disclaimers

It is essential to understand the nature of investment products, insurance, and annuity products:

• They are Not FDIC Insured
• They are Not Bank Guaranteed
• They May Lose Value
• They are Not Deposits
• They are Not Insured by Any Federal Government Agency
• They are Not a Condition to Any Banking Service or Activity

© 2025 Bank of America Corporation. All Rights Reserved. Benefits OnLine is a registered trademark of Bank of America Corporation.

By utilizing the Benefits OnLine® app, you can streamline your financial management, access vital information, and enhance your security—all from the convenience of your mobile device. Start maximizing your financial potential today!