BlackRock Institutional vs Spendora

BlackRock Institutional offers financial insights, investor education and community. Our clients can also access and monitor their investment portfolios on the go. Key Features: - Access trusted insights, community and education content in multimedia formats from BlackRock experts, including strategists from the BlackRock Investment Institute, portfolio managers, public policy experts and more. - Go beyond the daily chatter with perspectives supported by in-depth analyses, interactive charts and stats. - Identify key themes impacting the markets today, or dive into specific asset classes to discover stories relevant to your interests. - Explore our tactical market views and strategic allocation perspectives, to help enable better-informed investing decisions. - Dive deeper into areas of interest by accessing extended publications on topics such as geopolitical risk, portfolio design and our quarterly investment outlook. For Institutional / Wholesale Investors, Professional Clients, and Qualified Investors Only IMPORTANT NOTICE AND CONSENT This is for distribution to Professional Clients (as defined by the Financial Conduct Authority or MiFID Rules) only and should not be relied upon by any other persons. The BlackRock Institutional app is available to Institutional Investors /Professional investors / Wholesale Investors as such term may apply under the relevant local legislations in the U.S., Canada, UK, Australia, Germany, France, Italy, Switzerland, Netherlands, Norway, Denmark, Finland, Sweden, Iceland, Portugal, Mexico, Colombia, Chile, Brazil, Belgium, Luxembourg, Spain. The BlackRock Institutional app is available to all investors in Singapore and Hong Kong. By tapping "get", you consent to the installation of this app and any updates or upgrades that are released through the platform. You understand and agree that this app (incl. any updates or upgrades) may (i) cause your device to automatically communicate with BlackRock's servers to deliver the functionality described above and to record usage metrics for performance reporting purposes, (ii) affect app-related preferences or data stored on your device, and (iii) collect personal information to provide the features described above and as set out in our Privacy Policy (see links below). You can withdraw your consent at any time by removing or disabling this app. If you signed up to receive push notifications when new content is published, you will receive an alert when each piece of content is published. Privacy Policy: (U.S., HK, SG, CA, AU, UK, D, NL, FR, IT, ES, SE, CH, NO, DK, FI, BE, LU, IS, MX, BR, CL, CO) https://www.blackrock.com/corporate/compliance/privacy-policy Contact: https://www.blackrock.com/corporate/about-us/contacts-locations This material is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. The opinions expressed are subject to change. References to specific securities, asset classes and financial markets are for illustrative purposes only and are not intended to be and should not be interpreted as recommendations. The information and opinions contained in this material are derived from proprietary and nonproprietary sources deemed by BlackRock to be reliable, are not necessarily all-inclusive and are not guaranteed as to accuracy. Past performance is not a guide to future performance. There are risks associated with investing, including loss of principal. The value sof investments and the income from them can fall as well as rise and is not guaranteed. Changes in the rates of exchange between currencies may cause the value of investments to fluctuate. ©2022 BlackRock, Inc., All Rights Reserved. MKTGH1222U/M-2581577-33/33

Spendora makes every spend count. Log an expense in seconds, set budgets that keep you on track, and split bills with friends without the awkward math. TRACK EXPENSES IN SECONDS • Add an expense with just an amount and a description • Spendora picks the category for you and gets smarter the more you use it • Create your own categories with any emoji and colour • Search and filter every expense by date, category or keyword BUDGETS THAT WORK • Set a monthly budget for each category • Get an alert before you go over • Budgets carry over to the new month automatically • See how much you can still spend each day SPLIT BILLS WITH FRIENDS • Create groups for trips, roommates, couples or anything else • Split equally, by exact amounts or by percentage • Several people can pay for one expense • See who owes whom at a glance and settle up in a tap • Invite friends with a link or QR code • Full activity history so everyone knows what changed • Optional: let everyone in the group edit shared expenses RECURRING EXPENSES • Set up rent, subscriptions and bills once • They are added automatically on the right day • Pause and resume any time REPORTS AND INSIGHTS • Monthly reports with category breakdowns and trends • A spending calendar that shows your busiest days • Compare this month with last month • Export your expenses as a PDF report or CSV file SMART NOTIFICATIONS • Know when a friend adds a shared expense or pays you back • Budget alerts and unusual-spending alerts • Tap a notification to go straight to what it's about BUILT FOR YOU • 11 currencies, including USD, EUR, GBP, INR, CAD and AUD • Light and dark mode • Lock the app with Face ID • Add expenses offline — they sync when you're back online • Start as a guest, or create a free account to sync across devices YOUR DATA, YOUR CONTROL Your financial data is private and is never sold. You can export it at any time, and delete your account and personal data directly from Settings. Questions or feedback? We'd love to hear from you at support@spendorapp.com.