InstitutionalUserGuideEmployers

Ready to get started? ..............................................................04

Enrollment Enroll your employees...............................................................06 Enrollment process............................................................07 File submission.............................................................................10 Annual Enrollment best practice........................................12 Funding Set up contributions for your employees......................18 Submit your contribution file...............................................19 Wire instructions..........................................................................22 Troubleshooting file errors....................................................23 Contribution limits and information ...............................25 Managing You’re up and running, now what?....................................30 The Employer Portal made simple....................................34 We help you get the message out....................................42 Tools for your employees...............................................43 Resources for you...............................................................44 Claims processing.......................................................................46 Fees & billing ................................................................................50 Technical support........................................................................51 Appendix ..........................................................................................54 FAQs ...................................................................................................60

Welcome

You’ve made the important decision to offer your employees one or more health and/or dependent care reimbursement accounts (Accounts). By choosing Bank of America Merrill Lynch, you are giving your employees a way to maximize their tax-advantaged savings to pay for their eligible health care and/or dependent care expenses. This guide will describe the manner in which Bank of America administers your Accounts, and also help you answer the most common questions you may get from your employees regarding those Accounts. Our goal is to make sure you have an exceptional experience, so we provide you with engaging tools & resources to help make program administration as simple and seamless as possible. While this guide focuses on the employer experience, we also provide guides for your employees with details on how to use their program.

This guide reflects the standard reimbursement account policies and procedures of Bank of America. We reserve the right to change these from time to time to ensure effective and efficient administration of the reimbursement accounts. The policies and procedures described in this guide determine the manner in which we administer the reimbursement accounts unless we have expressly agreed to something different in your service agreement.

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For plan sponsor use only. Not for distribution to the general public.

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