E*TRADE vs EOB Keeper

Our award-winning app helps simplify your investing experience. Investing, banking, trading, crypto, research, & more—right at your fingertips.  Invest on your terms • $0 commissions for online U.S.-listed stock, ETF, mutual fund, & options trades (other fees may apply) • Trade crypto alongside your other investments—powered by zerohash • Choose from firm-constructed portfolio solutions Invest with confidence • Get streaming quotes, charts, & portfolio information • Access education, research, tools, & screeners • Set alerts and build watchlists • Stream live Bloomberg TV® • Chat with customer service in-app Bank and save • Earn more on your cash with high-yield savings, checking accounts, & certificates of deposit from our affiliate, Morgan Stanley Private Bank, National Association, Member FDIC • Deposit checks, pay bills, transfer money, and send & receive money with Zelle® on select devices Securities products offered by Morgan Stanley Smith Barney LLC, Member SIPC. Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC. All are separate but affiliated subsidiaries of Morgan Stanley. E*TRADE is a business of Morgan Stanley. Securities, investment advisory, commodity futures, options on futures and other non-deposit investment products and services are not insured by the FDIC, are not deposits or obligations of, or guaranteed by Morgan Stanley Private Bank and are subject to investment risk, including possible loss of the principal amount invested. Important note: Options transactions are intended for sophisticated investors and are complex, carry a high degree of risk, and are not suitable for all investors. For more information, please read the Characteristics and Risks of Standardized Options before you begin trading options by visiting etrade.com/options. See etrade.com/awards for current awards information E*TRADE from Morgan Stanley (“E*TRADE”) charges $0 commission for online US-listed stock, ETF, and options trades. Exclusions may apply and E*TRADE reserves the right to charge variable commission rates. Additional regulatory and exchange fees may apply. For more information about pricing and rates, visit etrade.com/pricing Trading and owning digital assets involves significant risk, including the risk of complete loss. Digital assets are not FDIC insured and are not protected by SIPC. Powered by zerohash, not a registered broker-dealer or Morgan Stanley affiliate. zerohash LLC and zerohash Liquidity Services LLC are licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. Crypto is only available in the U.S. Zelle® is available for Morgan Stanley Private Bank, National Association (MSPBNA) accounts on the E*TRADE Mobile App and on etrade.com. Enrollment is required and dollar and frequency limits may apply. Learn more at us.etrade.com/l/zelle. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Morgan Stanley, MSPBNA, and E*TRADE from Morgan Stanley are not affiliated with Zelle. The material provided by Morgan Stanley Smith Barney LLC or any of its affiliates (collectively, “Morgan Stanley”) is for educational purposes only and is not an individualized recommendation. This information neither is, nor should be construed as, an offer or a solicitation of an offer, or a recommendation, to buy, sell, or hold any security, financial product, or instrument discussed herein, or to open a particular account or to engage in any specific investment strategy. Apple, iPhone, iPad, Apple Watch, and Touch ID are trademarks of Apple Inc. System response and account access times may vary due to a variety of factors, including trading volumes, market conditions, system performance, and other factors. View End-User License Agreement: https://mobile.etrade.com/etmobile/EULA_2.0.html © 2026 E*TRADE from Morgan Stanley. All rights reserved.

EOB Keeper is the offline iPhone app for the 100 million Americans drowning in medical bills, EOBs, and surprise charges. It scans your insurance EOB and the matching provider bill, pairs them automatically, and warns you when you're being charged more than the EOB allowed. The pain is real. 41% of US adults carry medical debt. 26% of insured adults got a surprise bill last year. And the apps that exist to help — Reclaim, BillMD, My Medical Receipts — either don't work, require an account, or upload your PHI to a server. What EOB Keeper does: — Scan EOBs and bills using on-device VisionKit OCR. Provider, date, codes, amounts. Nothing leaves the phone. — Auto-pair EOB to provider bill by date and service code. Get a green check when amounts match. Get a red flag when the provider is charging you more than the EOB allowed. — Deductible & out-of-pocket gauge per family member. Watch your $4,000 deductible burn in real time as you add visits. — Appeal-deadline reminders. The No Surprises Act gives you 120 days to dispute. EOB Keeper schedules a local notification so you don't miss it. — Per-member receipts archive with PDF export — your HSA reimbursement folder, ready to go. No account. No cloud. No PHI on a third-party server. Just the matching engine the broken Reclaim app promised but never delivered. Made by All Things AI — a small team that builds the tools and apps we wish existed. Questions or feedback? Visit https://allthingsn.com/apps/eob-keeper/support/ — we read every message. Privacy Policy: https://allthingsn.com/apps/eob-keeper/privacy/ Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/