Managing your deferred compensation plan on Benefits OnLine

Managing your deferred compensation plan on Benefits OnLine Save Actively Plus

Table of contents 1 Managing your account through Benefits OnLine 2 Enrolling in your Plan 3 Making your elections 6 Viewing your elections and distributions 7 Viewing your account summary 8 Changing how your account is invested Merrill Lynch makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other affiliates of Bank of America Corporation (BofA Corp.). MLPF&S is a registered broker-dealer, member SIPC and a wholly owned subsidiary of BofA Corp. Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value

1 Managing your account through Benefits OnLine Managing your nonqualified deferred compensation plan (the Plan ) account information is easy through Benefits OnLine. With Benefits OnLine, you can make your deferral and distribution elections (during open enrollment periods), review and choose the deemed investments for your deferrals, view your deferral and distribution elections, change the deemed investments you ve chosen for your deferrals, and more, virtually 24/7. Getting started Benefits OnLine www.benefits.ml.com My s Education Center Benefits OnLine International ml.com To get started, visit Benefits OnLine at www.benefits.ml.com. The first time you visit the site you ll need to create a User ID and password. To do so, simply follow the Create your User ID now link on the login page. You ll be prompted to enter your Social Security number twice and then your PIN. If you do not have or do not know your PIN, select Forgot your PIN? and. Follow the prompts to create your User ID and password and answer your security questions. Then press Submit to confirm your information. If you already have a Benefits OnLine User ID and password for another plan at Merrill Lynch, you do not need to create new ones. Secure Login User ID Remember me Password Log in Create your User ID now Forgot your User ID or Password? Learn more about our firm s background on FINRA s BrokerCheck. Keep your information safe online Retirement and benefit services provided by Merrill Lynch Begin your Personal Financial Journey toward financial wellness» Featured Highlights Making the Most of your HSA» As you sweep in the new season, now is a great time to tidy up your retirement account portfolio. Your health savings account (HSA) may offer more savings power than you realize. myfuture Newsletter Whose House is It Anyway? How to Share a Vacation Home Co-owning a vacation home with your family or friends can be great, as long as you establish clearcut ground rules-and remember whose turn it is to take out the garbage. Go now» Research & Insights View timely insights and analysis on the key issues shaping the economy and the markets. Go now» Coming in the months ahead A new look for Benefits OnLine! Your plan s website is being updated to make it easier for you to get around, find what you re looking for and do what you want to. Get the latest at go.ml.com/newbol. The screen shots in this brochure show the general functionality and services available on Benefits OnLine, but they may be slightly different from the screens available through your Plan. The term account in this brochure refers only to a recordkeeping entry that lets you monitor your deferred compensation. It doesn t mean you own the underlying investments that you ve directed your deferrals to. Your investment choices are deemed as investments in order to calculate your account value in the Plan. But you aren t actually invested in the underlying investment vehicles. That means the Plan is backed by the general assets of the company, and any funds that may be set aside to pay benefits are subject to claims by the company s creditors. When you participate in the Plan, you have no rights to any assets other than as a general unsecured creditor.

2 Enrolling in your plan You can enroll in the Plan and make your deferral, distribution and deemed investment elections during your company s open enrollment window. Benefits OnLine > My s Enrollment To enroll, log in to Benefits OnLine with the User ID and password you ve created. You can then select Enroll Now in the Action Center on the My s page, or click on the Participant Services tab and then select the Enrollment tab at the top left of the screen. You will then see the screen at the right. Once you choose to enroll, you ll find information and instructions on doing so, and you can submit your deferral elections and distribution choices. Step-by-step instructions for your elections are shown on the following pages. When finished with each step, select. (To return to the previous screen, choose, choose Reset to clear your entries or choose Cancel to cancel your elections.) My s Education Center Advice & Planning Markets Deferred Compensation Plan ConAgra Plan Selector: FoodsSAVE ACTIVELY PLUS DEF COMP Deferred Compensation Plan > Enrollment 2018 Enrollment You are currently eligible to enroll in the 2018 Enrollment for the Deferred Compensation Plan. You may enroll from 11/27/2017 through 12/15/2017. You can review or update your information at any time during this period. Please select one of the following options. I wish to process my online Enrollment. Select this option if you wish to make deferrals for this Enrollment period. You will be asked to select your deferral elections, distribution options and investment direction elections. I wish to Decline Enrollment in this Enrollment Period Select this option if you do not wish to make deferrals for this Enrollment period. --Select Quick Links-- Select Quick Links Plan Highlights

3 Making your elections Deferred Compensation Plan > Elections > Deferral Elections Making Your Deferral Elections The Deferral Elections screen will appear when you select. Enter the percentage of your salary (from 1% to 50%) that you wish to defer. If you receive an annual incentive, enter the percentage of your annual incentive (from 1% to 90%) that you wish to defer. My s Education Center Advice & Planning Markets Deferred Compensation Plan Plan Selector: SAVE ACTIVELY PLUS DEF COMP u Deferred Compensation Plan > Elections > Deferral Elections Deferral Elections Enter your elections below. Base Salary Effective Date: 01/01/2018 --Select Quick Links-- Percentage you wish to defer (from 0% to 50%, in 1% increments): XX % Annual Incentive Effective Date: 04/01/2018 Percentage you wish to defer (from 0% to 90%, in 1% increments): XX % Company Match Effective Date: 01/01/2018 Company Match 100%. Reset Cancel Deferred Compensation Plan > Elections > Allocation Elections Making Your Allocation Elections The Allocation Elections screen will appear when you select. Select the allocation percentages you want for each compensation type from which you are making deferrals. Your allocations must add up to 100%. My s Education Center Advice & Planning Markets Deferred Compensation Plan Plan Selector: SAVE ACTIVELY PLUS DEF COMP Deferred Compensation Plan > Elections > Allocation Elections Allocation Elections u For each compensation type you have elected to make deferrals, you must specify the appropriate account allocations (as needed). Base Salary Effective Date: 01/01/2018 --Select Quick Links-- Base Salary In-Service #3 Allocation Percentage % Base Salary Retirement 35 % Total: 35% Annual incentive Effective Date: 04/01/2018 Allocation Percentage Annual Incentive In-Service #2 % Annual Incentive In-Service #3 % Annual Incentive Retirement 65 % Total: 50% Company Match Effective Date: 01/01/2018 Save Actively Plus Match - Post 2014 Allocation Percentage 100% Total: 100% Reset Cancel

4 Making Your Distribution Elections The Distribution Elections screen will appear when you select. My s Education Center Advice & Planning Markets Deferred Compensation Plan Select the timing of your In-Service Withdrawal distribution for your account from the drop-down menu and choose Elect. Select the timing of your Separation from Service distribution for your retirement account from the drop-down menu and choose Elect. You can also choose an alternate election for the form of payment from these accounts. If you are newly eligible for the Save Actively Plus Plan, you would also select the timing of your distribution from your Match. Enrollment Information Elections Plan Selector: Deferred Compensation Plan > Elections > Distribution Elections Distribution Elections Select from the available distribution options. For any of your existing s to which you are deferring for this Enrollment, the Distribution Elections are displayed below. Once you have completed this Enrollment process, you will be given the opportunity to make online changes to the Distribution Elections for these existing accounts. Base Salary In-Service #3 Listed below are your current elections for this account. Required/ Optional SAVE ACTIVELY PLUS DEF COMP Timing of Payment In-Service Withdrawal Required March 2025 Base Salary Retirement u Investments Document Library Form of Payment --Select Quick Links-- Elect Effective Date Timing of Payment Form of Payment In-Service Withdrawal 01/01/2018 March 2025 Annual Incentive In-Service #2 Effective Date Timing of Payment Form of Payment 01/01/2018 Retirement Save Actively Plus Match - Post 2014 Effective Date Timing of Payment Form of Payment 01/01/2018 Retirement - Match Post 2014 Reset Cancel

5 Choosing Your Investment Elections The Investment Direction screen will appear when you select. My s Education Center Advice & Planning Markets Deferred Compensation Plan First, choose either the same Investment Direction for all your accounts or a separate Investment Direction for each account in which you enroll. Next, enter a percentage of 1% or more in each box to indicate the percentage of your deferral election that should be directed to each of the investment options you are choosing. The total percentage should add up to 100%. Once you have completed these steps, choose to view your Enrollment Summary and then re-enter your Password and choose Submit to submit your elections. Enrollment Information Elections Plan Selector: SAVE ACTIVELY PLUS DEF COMP u Deferred Compensation Plan > Elections > Investment Direction Investment Direction You have chosen to elect the same investment direction for all your accounts for this enrollment period. Select investments for your accounts in increments of 1%. All Enrolling s (Save Actively Plus Match - Post 2014, Base Salary In-Service #1) Investment ABC FUND DEF FUND GHI FUND Investments Document Library Collapse Investment List --Select Quick Links-- New Effective Date: 01/01/2018 JKL FUND % MNO FUND % % % % Total: 0% Reset Cancel My s Education Center Advice & Planning Markets Deferred Compensation Plan Participant Sevices > Enrollment Investment Direction This will change how you future contributions will be invested. I wish to apply the same Investment Direction to All s I am enrolled in for this period. By checking this option, i understand that this election applies my Investment Direction to all accounts I am enrolled in this period. This election does not supersede existiing Investment Directions elected under the plan. I wish to elect separate Investment Directions for All s I am enrolled in this enrollment period. These elections will be effective as of the enrollment effective date 01/01/2018. My s Education Center Advice & Planning Markets Non-Qualified Plans LTI/ESPP Enrollment Information Investment Direction Fund Transfer Elections Plan Information Investments Non-Qualified Plans > Enrollment mary Please carefully review your elections before submitting. You may review of update your information at any time during the enrollment period from 11/27/2017 to 12/15/2017. Deferral(s) Modify Compensation Type Effective Date Deferral Election Election Base Salary 01/01/2017 5% 100% Base Salary Retirement Annual Incentive 04/01/2018 5% 100% Annual Incentive Retirement Company Match 01/01/2018 100% 100% to Save Actively Plus Match - Post 2014 Distribution(s) Modify Effective Date Timing of Payment Form of Payment Annual Incentive Retirement 01/01/2017 Retirement Base Salary Retirement 01/01/2017 Retirement Company Match 01/01/2018 Retirement - Match post 2014

6 Viewing your elections and distributions To view your deferral and distribution elections, select the Elections tab. The My s page Once your deferrals begin, the My s page will display the total market value of your Plan holdings, calculated using the previous trading day s closing prices for your deemed investments. If you click on the name of the Plan on the My s page, you can view your individual deemed investments, along with their market value and share of your account. My s Education Center Advice & Planning Markets Non-Qualified Plan My Home Message Center Total Market Value* $59,136.66 ABC Company Nonqualified Plan $59,136.66 Message Center Announcements Important Plan Update Changes to your Nonqualified Plan... More >> Investment Holdings Document Library Sitemap Preferences Action Center Logout. Help. Sitemap. FAQs Plan Selector: --Select Plan-- Quick Links: --Select Quick Links-- LEARN TO SAVE MORE Six Steps That Could Boost Your Savings Would you like to save more but think you can t? You may be surprised at the extra cash you can find when you take a closer look at your spending habits. GET STARTED LEARN THE FACTS How Confident Are You About Retirement? The Retirement Confidence Survey is conducted each year by the Employee Benefit Research Institute to measure attitudes about retirement among Americans. GET STARTED Deferred Compensation Plan > Elections > Deferral Elections Helpful Plan Information Increase your contributions automatically... Useful Links Statements My Financial Picture Merrill Edge Download to Quicken Did You Know? Professional Investment Advice is Available Get expert savings and investment recommendations through Advice Access. LEARN MORE Education Resources Viewing your elections The Elections tab allows you to view your deferral elections for the current plan year. In this example, the participant has elected to defer 5% of base salary and 5% of annual incentive. My s Education Center Financial Planning 401K Plan Markets Pension Plan Deferred Compensation Plan Enrollment Information Elections Investments Document Libary Plan ConAgra Selector: FoodsSAVE ACTIVELY PLUS COMP u Select Quick Links DEF --Select Quick Links-- Deferred Compensation Plan > Elections > Deferral Elections Deferral Elections Compensation Type Effective Date Deferral Election Percentage Current Deferral Elections Base Salary 01/01/2017 5% Base Salary Retirement 100% Future-dated Deferral Elections Annual Incentive 01/01/2019 5% Annual Incentive Retirement 100% Deferred Compensation Plan > Elections > Distribution Elections My s Education Center Financial Planning 401K Plan Markets Pension Plan Deferred Compensation Plan Viewing your distributions Plan Selector: SAVE ACTIVELY PLUS DEF COMP u --Select Quick Links-- Select Quick Links The Elections tab also allows you to view your distribution elections for all of your Plan accounts on one screen, including: Effective date Timing of payment Form of payment Deferred Compensation Plan > Information > Summary Distribution Elections Plan Highlights Current Distribution Elections / Balance Effective Date Timing of Payment / Next Payment Date Form of Payment /Remaining Payments Base Salary Retirement Current Retirement $8,332.34 Annual Incentive Retirement Current Retirement $0.00 Save Actively Plus Match $0.00 Current Retirement

7 Viewing your account summary To view a summary of your account, click on the name of the Plan on the My s page. You can also access the Summary page by clicking the Deferred Compensation Plan tab at the top of the screen. The Summary page provides a quick but complete overview of your account information. Deferred Compensation Plan > Information > Summary Your Summary The Summary displays five tabs with key information about your account. Select any tab (except Balance as of the first of the year ) for additional information. Current balance Balance as of the first of the year Contributions (deferrals) year-to-date Other activity (including investment gains and losses) Performance (year-to-date) From the Current Balance tab, for example, you can view your hypothetical balance by Deemed Investment, or Asset Class. The deemed investments in your account and data on each investment are displayed at the bottom of the screen. Click on any fund name for more information about the fund. My s Education Center Financial Planning 401K Plan Markets Pension Plan Deferred Compensation Plan Plan Selector: SAVE ACTIVELY PLUS DEF COMP u Deferred Compensation Plan > Information > Summary Summary CURRENT BALANCE $8,332.84 Current Balance - As of Month, Day, Year by Investment by by Asset Class + Expand All Investment + Total As of MM/DD/YYYY ABC FUND View distribution elections» View current investment direction» BALANCE ON MM/DD/YYYY CONTRIBUTIONS (YTD) = $0.00 + $7,920.39 + % of Total Balance 100.00% 100% View Detail for Select Options All s Closing Price OTHER ACTIVITY (YTD) $412.45 View Detail --Select Quick Links-- Shares/ Units/Bonds PERFORMANCE (YTD) View Detail Display Combined View $151.1100 55.1441 $8,332.84 Market Value $8,332.84

8 Changing how your account is invested Through Benefits OnLine you can change how your current balance is deemed to be invested, or change the deemed investment direction for your future deferrals. Deferred Compensation Plan > Investments > Fund Transfer Investment changes Once you have contributed to your account, to change how your current balance is deemed to be invested, select the Investments tab, then Fund Transfer from the drop-down menu. Then follow the prompts to sell a specific deemed investment (and use the proceeds to buy another). You can also select Automatic Reallocation from the drop-down menu under the Investments tab if you want to have the deemed investments in one or more of your accounts rebalanced automatically on a quarterly basis. To view how your deferrals are deemed to be invested, select the Investments tab, then Current Investment Direction from the drop-down. To change how your future deferrals are deemed to be invested, select the Investments tab, then Current Investment Direction from the drop-down and click the Change Investment Direction button. To see a list of your Plan s deemed investment choices, select the Investments tab, then Investment Choices & Performance from the drop-down. My s Education Center Financial Planning 401K Plan Markets Pension Plan Deferred Compensation Plan Plan Selector: Deferred Compensation Plan > Investments > Fund Transfer Fund Transfer Make your selection below. SAVE ACTIVELY PLUS DEF COMP Fund Transfer Options u Sell a Specific Investment Sell an existing investment in one or more of your accounts and use the procceds to buy one or more of the available plan investment choices. One-Time Reallocation Reallocate existing assets in one or more of your accounts. Sale of existing assets may occur to match the Reallocation percentages you choose. My s Education Center Financial Planning 401K Plan Markets Pension Plan Deferred Compensation Plan Manage My Investments Plan Selector: SAVE ACTIVELY PLUS DEF COMP u Investment Choices & Performance Non-Qualified Plans > Information > Summary Current Investment Direction Summary Fund Transfer DD/MM/YYYY M/YY Automatic Reallocation CONTRIBUTIONS CURRENT BALANCE BALANCE ON TIONS (YTD) OTHER ACTIVITY (YTD) $59,136.66 = $50,109.11 Pending Fund + Transfer $3,359.44 + $5,674.73 As of DD/MM/YYYY View Detail View Detail Current Balance - As of DD/MM/YYYY by Investment by by Asset Class + Expand All Investment for All s % of Total Balance Closing Price --Select Quick Links-- PERFORMANCE (YTD) 5.77% View Detail Display Combined View Shares / Units / Bonds Select Quick Links Market Value + ABC Fund 5.16% $23.8600 214.2868 $5,112.90 + DEF Fund 19.69% $27.6500 705.9934 $19,520.72 Investing involves risk, including the possible loss of principal. Investments in foreign securities or sector funds, including technology or real estate stocks, are subject to substantial volatility due to adverse political, economic or other developments and may carry additional risk resulting from lack of industry diversification. Funds that invest in small- or mid-capitalization companies experience a greater degree of market volatility than those of large-capitalization stocks and are riskier investments. Bond funds have the same interest rate, inflation, and credit risks associated with the underlying bonds owned by the fund. Generally, the value of bond funds rises when prevailing interest rates fall and falls when interest rates rise. Investing in lower-grade debt securities ( junk bonds) may be subject to greater market fluctuations and risk of loss of income and principal than securities in higher rated categories. There are ongoing fees and expenses associated with investing. Bear in mind that higher return potential is accompanied by higher risk.

Online resources for your financial health The Benefits OnLine Education Center offers a variety of resources designed to help you build a firmer foundation for your financial life. Whether it s managing debt, developing a budget, saving for the goals that matter to you or making smart, informed financial decisions, these resources can help you take charge of your financial life. Visit www.education.ml.com. Investors should consider the investment objectives, risks, charges and expenses of deemed investment options carefully before investing. This, and additional information about the deemed investment options, can be found in the prospectuses and, if available, the summary prospectuses, which can be obtained on Benefits OnLine at www.benefits.ml.com or by calling Merrill Lynch at 1.800.234.MACY (1.800.234.6229). Investors should read the prospectuses and, if available, the summary prospectuses carefully before investing. This is a nonqualified deferred compensation plan under the rules and regulations of the Internal Revenue Service and is exempt from most of the rules and regulations under ERISA. The Plan is unfunded and unsecured. The balance in your account represents a promise to pay nonqualified benefits at a future date. Your investment choices are deemed as investments for the purposes of calculating your account value in the Plan. However, you are not actually invested in the underlying investment vehicles. That means the Plan is backed by the general assets of the company and any funds that may be set aside to pay benefits are subject to claims by the company s creditors. Participants have no rights to any assets other than as a general unsecured creditor. Unless otherwise noted, all trademarks and registered trademarks are the property of Bank of America Corporation. 2017 Bank of America Corporation. All rights reserved. ARYWQLHJ 20172245-1 10/2017