Company: BK-PK
Filing Date: 2025-06-26
Form Type: 11-K
Source: 0001390777-25-000094
Chunk: 4

Company: Bank of New York Mellon Corp
Filing Date: 2025-06-26
Form: 11-K
Chunk 4
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 with a pre-tax contribution rate equal to 7% of their eligible base pay. Unless the participant has an alternative investment election on record, the money is invested in the LifePath Index Fund closest to the year that the participant will reach age 65.

Effective June 1, 2023, the Plan was amended to exclude student intern or co-op employees hired on or after June 1, 2023 from being automatically enrolled in the Plan.

#### Investment Funds –
Participants in the Plan have the option of investing contributions in professionally managed funds offered under the Plan, which include lifecycle funds, passively managed index funds, actively managed funds, an SDA and common stock of the Company. The performance of the investment funds being offered in the Plan is evaluated regularly, and the funds offered under the Plan may change periodically. As described in Note 3, the Company directly pays, or indirectly reimburses participants’

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accounts for, investment management fees related to investment management options that are managed by an affiliate.

The Benefits Investment Committee is authorized to place restrictions on trading in selected funds. Pursuant to this authority, an administrative restriction applies to account balance transfers in and out of investment funds that hold international securities, because these funds are particularly at risk for trading activity that might harm other participants or are inconsistent with the Plan’s retirement objectives. With this restriction, participants may not buy and then sell, or sell and then buy, shares in certain core funds in the Plan within a period of 15 to 60 calendar days. Trading restrictions imposed by the Company’s Personal Securities Trading Policy also apply to investments in the Company’s common stock (NYSE symbol: BK) under the Plan. With this restriction, participants may not buy and then sell, or sell and then buy, shares of the Company’s common stock within a period of less than 60 calendar days.

The maximum amount a participant can transfer into the SDA is 50% of their account balance. The Plan does not permit participants to invest in leveraged or inverse exchange traded funds or exchange traded notes through the SDA.

#### Contributions
– The Plan is designed as a traditional 401(k) plan under Internal Revenue Service (“IRS”) 401(k) plan regulations in which employee pre-tax, Roth 401(k), after-tax and employer matching contributions are subject to discrimination testing. Participants can contribute pre-tax, after-tax and/or Roth 401(k) contributions to the Plan, with an overall limit of 75% of the participant’s eligible base