By participating in the Acorns Referral Program you are agreeing to the Acorns Referral Agreement.

The Acorns Referral Program consists of limited time promotional offerings. Please review the offerings below to see which promotions are available to you under the Acorns Referral Program at the time you make referrals.

September 2020 Referral Bonus - $150 for 3 Acorns Referrals Friends must sign up on or after 09/01/2020 and have a verified account in good standing and make their first successful investment by 09/30/2020. Bonuses are paid out by 10/15/2020. Referees and Referrers who close their account before 10/15/2020, make an investment that results in a reversal from their bank, or accounts that are otherwise not in good standing will not qualify for the promotion. Referral awards are made at the sole discretion of Acorns. All referrals must be made in accordance with the Acorns Referral Agreement and Referral Promotion Terms and Conditions. Rewards for inviting friends to join Acorns are a limited time offer. Rewards are in the form of a purchase of investments in your Acorns portfolio. Shares are purchased once your friend’s account is approved and they have completed their first investment. To be eligible for the reward, the persons you refer must use your personal invitation code when they sign up. Acorns defines an account in good standing as a verified investment account with a successful investment. If a gift card is used for an initial investment, a bank account must be linked as a funding source, and an initial investment must be made from that funding source. Acorns reserves the right to restrict or revoke this offer at any time. Referral amount subject to change at discretion of Acorns Advisers, LLC. Advisory services offered by Acorns Advisers, LLC (“Acorns”), an SEC-registered investment advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, LLC, an SEC-registered broker-dealer and member FINRA/SIPC. Custodial and administrative services for Acorns Later IRA accounts provided by IRA Services Trust Company. Investments are not FDIC insured. Investing involves risk and investments may lose value, including the loss of principal. Please consider your objectives and Acorns’s fees before investing. Past performance is not a guarantee of future results. “Acorns”, the Acorns logo, and “Invest the Change” are registered trademarks of Acorns Grow Incorporated. Acorns Visa™ debit cards are issued by Lincoln Savings Bank, member FDIC. Copyright © 2020 Acorns and/or its affiliates.

August 2020 Referral Bonus - $300 for 4 Acorns Referrals

Friends must sign up on or after 08/01/2020 and have a verified account in good standing and make their first successful investment by 08/31/2020. Bonuses are paid out by 09/15/2020. Referees and Referrers who close their account before 09/15/2020, make an investment that results in a reversal from their bank, or accounts that are otherwise not in good standing will not qualify for the promotion. Referral awards are made at the sole discretion of Acorns. All referrals must be made in accordance with the Acorns Referral Agreement and Referral Promotion Terms and Conditions.

Rewards for inviting friends to join Acorns are a limited time offer. Rewards are in the form of a purchase of investments in your Acorns portfolio. Shares are purchased once your friend’s account is approved and they have completed their first investment. To be eligible for the reward, the persons you refer must use your personal invitation code when they sign up. Acorns defines an account in good standing as a verified investment account with a successful investment. If a gift card is used for an initial investment, a bank account must be linked as a funding source, and an initial investment must be made from that funding source. Acorns reserves the right to restrict or revoke this offer at any time. Referral amount subject to change at discretion of Acorns Advisers, LLC.

Advisory services offered by Acorns Advisers, LLC (“Acorns”), an SEC-registered investment advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, LLC, an SEC-registered broker-dealer and member FINRA/SIPC. Custodial and administrative services for Acorns Later IRA accounts provided by IRA Services Trust Company. Investments are not FDIC insured. Investing involves risk and investments may lose value, including the loss of principal. Please consider your objectives and Acorns’s fees before investing. Past performance is not a guarantee of future results. “Acorns”, the Acorns logo, and “Invest the Change” are registered trademarks of Acorns Grow Incorporated. Acorns Visa™ debit cards are issued by Lincoln Savings Bank, member FDIC. Copyright © 2020 Acorns and/or its affiliates.

July 2020 Referral Bonus - $500 for 5 Acorns Referrals

Friends must sign up on or after 07/01/2020 and have a verified account in good standing and make their first successful investment by 07/31/2020. Bonuses are paid out by 08/15/2020. Referees and Referrers who close their account before 08/15/2020, make an investment that results in a reversal from their bank, or accounts that are otherwise not in good standing will not qualify for the promotion. Referral awards are made at the sole discretion of Acorns. All referrals must be made in accordance with the Acorns Referral Agreement and Referral Promotion Terms and Conditions.

Rewards for inviting friends to join Acorns are a limited time offer. Rewards are in the form of a purchase of investments in your Acorns portfolio. Shares are purchased once your friend’s account is approved and they have completed their first investment. To be eligible for the reward, the persons you refer must use your personal invitation code when they sign up. Acorns defines an account in good standing as a verified investment account with a successful investment. If a gift card is used for an initial investment, a bank account must be linked as a funding source, and an initial investment must be made from that funding source. Acorns reserves the right to restrict or revoke this offer at any time. Referral amount subject to change at discretion of Acorns Advisers, LLC.

Advisory services offered by Acorns Advisers, LLC (“Acorns”), an SEC-registered investment advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, LLC, an SEC-registered broker-dealer and member FINRA/SIPC. Custodial and administrative services for Acorns Later IRA accounts provided by IRA Services Trust Company. Investments are not FDIC insured. Investing involves risk and investments may lose value, including the loss of principal. Please consider your objectives and Acorns’s fees before investing. Past performance is not a guarantee of future results. “Acorns”, the Acorns logo, and “Invest the Change” are registered trademarks of Acorns Grow Incorporated. Acorns Visa™ debit cards are issued by Lincoln Savings Bank, member FDIC. Copyright © 2020 Acorns and/or its affiliates.

Acorns - Invite Friends, Get and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Portfolio Account (Invest, Later or Early) using your personal invitation code or referral link in accordance with the eligibility criteria below, you will receive a $5 investment by Acorns in your Acorns Invest account. Each new eligible Acorns subscriber referred by you also will receive a $5 investment by Acorns in their Acorns Invest account. These rewards will be made each time you and your referral meet the eligibility criteria below in accordance with the Acorns Referral Agreement.

Eligibility

You are eligible to receive for this reward each time the new subscriber (1) uses your personal invitation code when they sign up for a new Acorns subscription, (2) completes an initial $5 investment in an Acorns Invest, Later or Early Portfolio Account from a linked bank account funding source and (3) maintains their initial investment for at least 30 days. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested.

Additional Information

This promotion is a limited time offer. Acorns Advisers, LLC reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns is not responsible for any failure on your part to maintain your account in good standing or otherwise meet standards for qualifying for this promotion. This promotion only applies to referrals of new Acorns customers. For the avoidance of doubt, if either you or the customer you refer is ineligible for the reward under this promotion, neither party will receive the reward. Referral awards are made at the sole discretion of Acorns. All referrals must be made in accordance with the Acorns Referral Agreement.

You can also receive additional rewards under other promotional offers that may be available at the same time as this promotion unless it is specifically excluded by such other promotion.

Acorns Family Referral Bonus - Get $50, Give $10

The Reward

If during the promotional period starting at 1:30pm PT on June 22, 2020 and ending at 11:59 PT on July 31, 2020 (the “Promotion Period”), you become an eligible Acorns Family subscriber with an Acorns Early account, you can earn a $45 investment by Acorns in your Acorns Invest account each time someone becomes an eligible new Acorns Family subscriber with an Acorns Early account using your personal invitation code or referral link. Each new eligible Acorns Family subscriber referred by you also will receive a $5 investment by Acorns in their Acorns Invest account. These rewards will be paid after both you and the new subscriber(s) meet the eligibility criteria below and in accordance with the Acorns Referral Agreement.

You and the new customers you refer to Acorns may qualify for both this promotion and the Acorns Share the Wealth - Invite Friends, Get and Give $5 promotion based on the same activities. Therefore, you may receive $50 total and the new subscriber may receive $10 total under these combined promotions for the same referral. Because the eligibility criteria for this promotion includes a 3 month subscription period, you will receive these rewards at different times.

Eligibility

- You must (1) upgrade to, or sign up for, the Acorns Family subscription tier during the Promotion Period, (2) complete the setup of an Acorns Early account with a successful initial $5 investment from a bank account funding source during the Promotion Period and (3) maintain your Acorns Family subscription for a least three (3) consecutive billing periods from the time you subscribe;

AND

- Each new Acorns subscriber referred by you must (1) sign up for the Acorns Family subscription using your personal invitation code or referral link during the Promotion Period, (2) complete the setup of an Acorns Early Account with a successful initial $5 investment from a bank account funding source during the Promotion Period and maintain this initial investment for at least 30 days and (3) maintain their Acorns Family subscription for a least three (3) consecutive billing periods from the time they subscribe.

Anyone who earns a reward under this promotion will only receive such reward if (1) their Acorns subscription, including any Acorns investment accounts, are also in good standing with Acorns at the time this criteria is met in order to receive each reward and (2) they have not closed their Early account or downgraded to a tier other than Acorns Family before the reward is invested.

Additional Information

This promotion is a limited time offer. Acorns Advisers, LLC reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns is not responsible for any failure on your part to maintain your account in good standing or otherwise meet standards for qualifying for this promotion. This promotion only applies to referrals of new Acorns customers. For the avoidance of doubt, if either you or the customer you refer is ineligible for the reward under this promotion, neither party will receive the reward. Referral awards are made at the sole discretion of Acorns. All referrals must be made in accordance with the Acorns Referral Agreement.

Other Information For All Promotions

Advisory services are offered by Acorns Advisers, LLC (“Acorns”), an SEC-registered investment advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, LLC, an SEC-registered broker-dealer and member FINRA/SIPC. Custodial and administrative services for Acorns Later IRA accounts provided by IRA Services Trust Company. Investments are not FDIC insured. Investing involves risk and investments may lose value, including the loss of principal. Please consider your objectives and Acorns’ fees before investing. Past performance is not a guarantee of future results. “Acorns”, the Acorns logo, and “Invest the Change” are registered trademarks of Acorns Grow Incorporated. Acorns Visa™ debit cards are issued by Lincoln Savings Bank, member FDIC. Copyright © 2020 Acorns and/or its affiliates.

June 2020 Referral Bonus - $300 for 5 Acorns Referrals

Friends must sign up on or after 06/01/2020 and have a verified account in good standing and make their first successful investment by 06/30/2020. Bonuses are paid out by 07/15/2020. Referees and Referrers who close their account before 07/15/2020, make an investment that results in a reversal from their bank, or accounts that are otherwise not in good standing will not qualify for the promotion. Referral awards are made at the sole discretion of Acorns. All referrals must be made in accordance with the Acorns Referral Agreement and Referral Promotion Terms and Conditions.

Rewards for inviting friends to join Acorns are a limited time offer. Rewards are in the form of a purchase of investments in your Acorns portfolio. Shares are purchased once your friend’s account is approved and they have completed their first investment. To be eligible for the reward, the persons you refer must use your personal invitation code when they sign up. Acorns defines an account in good standing as a verified investment account with a successful investment. If a gift card is used for an initial investment, a bank account must be linked as a funding source, and an initial investment must be made from that funding source. Acorns reserves the right to restrict or revoke this offer at any time. Referral amount subject to change at discretion of Acorns Advisers, LLC.

Advisory services offered by Acorns Advisers, LLC (“Acorns”), an SEC-registered investment advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, LLC, an SEC-registered broker-dealer and member FINRA/SIPC. Custodial and administrative services for Acorns Later IRA accounts provided by IRA Services Trust Company. Investments are not FDIC insured. Investing involves risk and investments may lose value, including the loss of principal. Please consider your objectives and Acorns’s fees before investing. Past performance is not a guarantee of future results. “Acorns”, the Acorns logo, and “Invest the Change” are registered trademarks of Acorns Grow Incorporated. Acorns Visa™ debit cards are issued by Lincoln Savings Bank, member FDIC. Copyright © 2020 Acorns and/or its affiliates.

May 2020 Referral Bonus - $250 for 4 Acorns Referrals

Friends must sign up on or after 05/01/2020 and have a verified account in good standing and make their first successful investment by 05/31/2020. Bonuses are paid out by 06/15/2020. Referees and Referrers who close their account before 06/15/2020, make an investment that results in a reversal from their bank, or accounts that are otherwise not in good standing will not qualify for the promotion. Referral awards are made at the sole discretion of Acorns. All referrals must be made in accordance with the Acorns Referral Agreement and Referral Promotion Terms and Conditions.

Rewards for inviting friends to join Acorns are a limited time offer. Rewards are in the form of a purchase of investments in your Acorns portfolio. Shares are purchased once your friend’s account is approved and they have completed their first investment. To be eligible for the reward, the persons you refer must use your personal invitation code when they sign up. Acorns defines an account in good standing as a verified investment account with a successful investment. If a gift card is used for an initial investment, a bank account must be linked as a funding source, and an initial investment must be made from that funding source. Acorns reserves the right to restrict or revoke this offer at any time. Referral amount subject to change at discretion of Acorns Advisers, LLC.

Advisory services offered by Acorns Advisers, LLC (“Acorns”), an SEC-registered investment advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, LLC, an SEC-registered broker-dealer and member FINRA/SIPC. Custodial and administrative services for Acorns Later IRA accounts provided by IRA Services Trust Company. Investments are not FDIC insured. Investing involves risk and investments may lose value, including the loss of principal. Please consider your objectives and Acorns’s fees before investing. Past performance is not a guarantee of future results. “Acorns”, the Acorns logo, and “Invest the Change” are registered trademarks of Acorns Grow Incorporated. Acorns Visa™ debit cards are issued by Lincoln Savings Bank, member FDIC. Copyright © 2020 Acorns and/or its affiliates.

April 2020 Referral Bonus - $150 for 3 Acorns Referrals

Friends must sign up on or after 04/01/2020 and have a verified account in good standing and make their first successful investment by 04/30/2020. Bonuses are paid out by 05/15/2020. Referees and Referrers who close their account before 05/15/2020, make an investment that results in a reversal from their bank, or accounts that are otherwise not in good standing will not qualify for the promotion. Referral awards are made at the sole discretion of Acorns. All referrals must be made in accordance with the Acorns Referral Agreement and Referral Promotion Terms and Conditions.

Rewards for inviting friends to join Acorns are a limited time offer. Rewards are in the form of a purchase of investments in your Acorns portfolio. Shares are purchased once your friend’s account is approved and they have completed their first investment. To be eligible for the reward, the persons you refer must use your personal invitation code when they sign up. Acorns defines an account in good standing as a verified investment account with a successful investment. If a gift card is used for an initial investment, a bank account must be linked as a funding source, and an initial investment must be made from that funding source. Acorns reserves the right to restrict or revoke this offer at any time. Referral amount subject to change at discretion of Acorns Advisers, LLC.

Advisory services offered by Acorns Advisers, LLC (“Acorns”), an SEC-registered investment advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, LLC, an SEC-registered broker-dealer and member FINRA/SIPC. Custodial and administrative services for Acorns Later IRA accounts provided by IRA Services Trust Company. Investments are not FDIC insured. Investing involves risk and investments may lose value, including the loss of principal. Please consider your objectives and Acorns’s fees before investing. Past performance is not a guarantee of future results. “Acorns”, the Acorns logo, and “Invest the Change” are registered trademarks of Acorns Grow Incorporated. Acorns Visa™ debit cards are issued by Lincoln Savings Bank, member FDIC. Copyright © 2020 Acorns and/or its affiliates.

March 2020 Referral Bonus - $40 for 2 Acorns Referrals

Friends must sign up on or after 03/01/2020 and have an account in good standing and make their first investment by 03/31/2020. Bonuses are paid out by 04/15/2020. Referrals who close their account before 04/15/2020, make an investment that results in a reversal from their bank, or accounts that are otherwise not in good standing will not qualify for the promotion. Referral awards are made at the sole discretion of Acorns. All referrals must be made in accordance with the Acorns Referral Agreement and Referral Promotion Terms and Conditions.

Rewards for inviting friends to join Acorns are a limited time offer. Rewards are in the form of a purchase of investments in your Acorns portfolio. Shares are purchased once your friend’s account is approved and they have completed their first investment. To be eligible for the reward, the persons you refer must use your personal invitation code when they sign up. Acorns defines an account in good standing as a verified investment account with a successful investment. If a gift card is used for an initial investment, a bank account must be linked as a funding source, and an initial investment must be made from that funding source. Acorns reserves the right to restrict or revoke this offer at any time. Referral amount subject to change at discretion of Acorns Advisers, LLC.

Advisory services offered by Acorns Advisers, LLC (“Acorns”), an SEC-registered investment advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, LLC, an SEC-registered broker-dealer and member FINRA/SIPC. Custodial and administrative services for Acorns Later IRA accounts provided by IRA Services Trust Company. Investments are not FDIC insured. Investing involves risk and investments may lose value, including the loss of principal. Please consider your objectives and Acorns’s fees before investing. Past performance is not a guarantee of future results. “Acorns”, the Acorns logo, and “Invest the Change” are registered trademarks of Acorns Grow Incorporated. Acorns Visa™ debit cards are issued by Lincoln Savings Bank, member FDIC. Copyright © 2020 Acorns and/or its affiliates.

March 2020 Referral Bonus - $1,000 for 12 Acorns Referrals



Friends must sign up on or after 03/01/2020 and have an account in good standing and make their first investment by 03/31/2020. Bonuses are paid out by 04/15/2020. Referrals who close their account before 04/15/2020, make an investment that results in a reversal from their bank, or accounts that are otherwise not in good standing will not qualify for the promotion. Referral awards are made at the sole discretion of Acorns. All referrals must be made in accordance with the Acorns Referral Agreement and Referral Promotion Terms and Conditions.

Rewards for inviting friends to join Acorns are a limited time offer. Rewards are in the form of a purchase of investments in your Acorns portfolio. Shares are purchased once your friend’s account is approved and they have completed their first investment. To be eligible for the reward, the persons you refer must use your personal invitation code when they sign up. Acorns defines an account in good standing as a verified investment account with a successful investment. If a gift card is used for an initial investment, a bank account must be linked as a funding source, and an initial investment must be made from that funding source. Acorns reserves the right to restrict or revoke this offer at any time. Referral amount subject to change at discretion of Acorns Advisers, LLC.

Advisory services offered by Acorns Advisers, LLC (“Acorns”), an SEC-registered investment advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, LLC, an SEC-registered broker-dealer and member FINRA/SIPC. Custodial and administrative services for Acorns Later IRA accounts provided by IRA Services Trust Company. Investments are not FDIC insured. Investing involves risk and investments may lose value, including the loss of principal. Please consider your objectives and Acorns’s fees before investing. Past performance is not a guarantee of future results. “Acorns”, the Acorns logo, and “Invest the Change” are registered trademarks of Acorns Grow Incorporated. Acorns Visa™ debit cards are issued by Lincoln Savings Bank, member FDIC. Copyright © 2020 Acorns and/or its affiliates.

February 2020 Referral Bonus - $250 for 4 Acorns Referrals

Friends must sign up on or after 02/01/2020 and have an account in good standing and make their first investment by 02/29/2020. Bonuses are paid out by 03/15/2020. Referrals who close their account before 03/15/2020, make an investment that results in a reversal from their bank, or accounts that are otherwise not in good standing will not qualify for the promotion.

Rewards for inviting friends to join Acorns are a limited time offer. Rewards are in the form of a purchase of investments in your Acorns portfolio. Shares are purchased once your friend’s account is approved and they have completed their first investment. To be eligible for the reward, the persons you refer must use your personal invitation code when they sign up. Acorns defines an account in good standing as a verified investment account with a successful investment. Acorns reserves the right to restrict or revoke this offer at any time. Referral amount subject to change at discretion of Acorns Advisers, LLC.

Advisory services offered by Acorns Advisers, LLC (“Acorns”), an SEC-registered investment advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, LLC, an SEC-registered broker-dealer and member FINRA/SIPC. Custodial and administrative services for Acorns Later IRA accounts provided by IRA Services Trust Company. Investments are not FDIC insured. Investing involves risk and investments may lose value, including the loss of principal. Please consider your objectives and Acorns’s fees before investing. Past performance is not a guarantee of future results. “Acorns”, the Acorns logo, and “Invest the Change” are registered trademarks of Acorns Grow Incorporated. Acorns Visa™ debit cards are issued by Lincoln Savings Bank, member FDIC. Copyright © 2020 Acorns and/or its affiliates.

January 2020 Referral Bonus - $250 for 4 Acorns Referrals

Friends must sign up on or after 1/01/2020 and have an account in good standing and make their first investment by 1/31/2020. Bonuses are paid out by 02/15/2020. Referrals who close their account before 02/15/2020, make an investment that results in a reversal from their bank, or accounts that are otherwise not in good standing will not qualify for the promotion.

Rewards for inviting friends to join Acorns are a limited time offer. Rewards are in the form of a purchase of investments in your Acorns portfolio. Shares are purchased once your friend’s account is approved and they have completed their first investment. To be eligible for the reward, the persons you refer must use your personal invitation code when they sign up. Acorns defines an account in good standing as a verified investment account with a successful investment. Acorns reserves the right to restrict or revoke this offer at any time. Referral amount subject to change at discretion of Acorns Advisers, LLC.

Advisory services offered by Acorns Advisers, LLC (“Acorns”), an SEC-registered investment advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, LLC, an SEC-registered broker-dealer and member FINRA/SIPC. Custodial and administrative services for Acorns Later IRA accounts provided by IRA Services Trust Company. Investments are not FDIC insured. Investing involves risk and investments may lose value, including the loss of principal. Please consider your objectives and Acorns’s fees before investing. Past performance is not a guarantee of future results. “Acorns”, the Acorns logo, and “Invest the Change” are registered trademarks of Acorns Grow Incorporated. Acorns Visa™ debit cards are issued by Lincoln Savings Bank, member FDIC. Copyright © 2019 Acorns and/or its affiliates.

December 2019 Referral Bonus - $200 for 4 Acorns Referrals



Friends must sign up on or after 12/01/2019 and have an account in good standing and make their first investment by 12/31/2019. Bonuses are paid out by 01/15/2020. Referrals who close their account before 01/15/2020, make an investment that results in a reversal from their bank, or accounts that are otherwise not in good standing will not qualify for the promotion.

Rewards for inviting friends to join Acorns are a limited time offer. Rewards are in the form of a purchase of investments in your Acorns portfolio. Shares are purchased once your friend’s account is approved and they have completed their first investment. To be eligible for the reward, the persons you refer must use your personal invitation code when they sign up. Acorns defines an account in good standing as a verified investment account with a successful investment. Acorns reserves the right to restrict or revoke this offer at any time. Referral amount subject to change at discretion of Acorns Advisers, LLC.

Advisory services offered by Acorns Advisers, LLC (“Acorns”), an SEC-registered investment advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, LLC, an SEC-registered broker-dealer and member FINRA/SIPC. Custodial and administrative services for Acorns Later IRA accounts provided by IRA Services Trust Company. Investments are not FDIC insured. Investing involves risk and investments may lose value, including the loss of principal. Please consider your objectives and Acorns’s fees before investing. Past performance is not a guarantee of future results. “Acorns”, the Acorns logo, and “Invest the Change” are registered trademarks of Acorns Grow Incorporated. Acorns Visa™ debit cards are issued by Lincoln Savings Bank, member FDIC. Copyright © 2019 Acorns and/or its affiliates.

November 2019 Referral Bonus - $250 for 5 Acorns Referrals



Friends must sign up on or after 11/01/2019 and have an account in good standing and make their first investment by 11/30/2019. Bonuses are paid out by 12/15/2019. Referrals who close their account before 12/15/2019, make an investment that results in a reversal from their bank, or accounts that are otherwise not in good standing will not qualify for the promotion.

Rewards for inviting friends to join Acorns are a limited time offer. Rewards are in the form of a purchase of investments in your Acorns portfolio. Shares are purchased once your friend’s account is approved and they have completed their first investment. To be eligible for the reward, the persons you refer must use your personal invitation code when they sign up. Acorns defines an account in good standing as a verified investment account with a successful investment. Acorns reserves the right to restrict or revoke this offer at any time. Referral amount subject to change at discretion of Acorns Advisers, LLC.

Advisory services offered by Acorns Advisers, LLC (“Acorns”), an SEC-registered investment advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, LLC, an SEC-registered broker-dealer and member FINRA/SIPC. Custodial and administrative services for Acorns Later IRA accounts provided by IRA Services Trust Company. Investments are not FDIC insured. Investing involves risk and investments may lose value, including the loss of principal. Please consider your objectives and Acorns’s fees before investing. Past performance is not a guarantee of future results. “Acorns”, the Acorns logo, and “Invest the Change” are registered trademarks of Acorns Grow Incorporated. Acorns Visa™ debit cards are issued by Lincoln Savings Bank, member FDIC. Copyright © 2019 Acorns and/or its affiliates.

October 2019 Referral Bonus - $150 for 3 Acorns Referrals

Friends must sign up on or after 10/01/2019 and have an account in good standing and make their first investment by 10/31/2019. Bonuses are paid out by 11/15/2019. Referrals who close their account before 11/15/2019, or make an investment that results in a reversal from their bank, will not qualify for the promotion.

Rewards for inviting friends to join Acorns are a limited time offer. Rewards are in the form of a purchase of investments in your Acorns portfolio. Shares are purchased once your friend’s account is approved and they have completed their first investment. To be eligible for the reward, the persons you refer must use your personal invitation code when they sign up. Acorns defines an account in good standing as a verified investment account with a successful investment. Acorns reserves the right to restrict or revoke this offer at any time. Referral amount subject to change at discretion of Acorns Advisers, LLC.

Advisory services offered by Acorns Advisers, LLC (“Acorns”), an SEC-registered investment advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, LLC, an SEC-registered broker-dealer and member FINRA/SIPC. Custodial and administrative services for Acorns Later IRA accounts provided by IRA Services Trust Company. Investments are not FDIC insured. Investing involves risk and investments may lose value, including the loss of principal. Please consider your objectives and Acorns’s fees before investing. Past performance is not a guarantee of future results. “Acorns”, the Acorns logo, and “Invest the Change” are registered trademarks of Acorns Grow Incorporated. Acorns Visa™ debit cards are issued by Lincoln Savings Bank, member FDIC. Copyright © 2019 Acorns and/or its affiliates.

September 2019 Referral Bonus - $150 for 3 Acorns Referrals

Friends must sign up on or after 09/01/2019 and have an account in good standing and make their first investment by 09/30/2019. Bonuses are paid out by 10/15/2019. Referrals who close their account before 10/15/2019, or make an investment that results in a reversal from their bank, will not qualify for the promotion.

Rewards for inviting friends to join Acorns are a limited time offer. Rewards are in the form of a purchase of investments in your Acorns portfolio. Shares are purchased once your friend’s account is approved and they have completed their first investment. To be eligible for the reward, the persons you refer must use your personal invitation code when they sign up. Acorns defines an account in good standing as a verified investment account with a successful investment. Acorns reserves the right to restrict or revoke this offer at any time. Referral amount subject to change at discretion of Acorns Advisers, LLC.

Advisory services offered by Acorns Advisers, LLC (“Acorns”), an SEC-registered investment advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, LLC, an SEC-registered broker-dealer and member FINRA/SIPC. Custodial and administrative services for Acorns Later IRA accounts provided by IRA Services Trust Company. Investments are not FDIC insured. Investing involves risk and investments may lose value, including the loss of principal. Please consider your objectives and Acorns’s fees before investing. Past performance is not a guarantee of future results. “Acorns”, the Acorns logo, and “Invest the Change” are registered trademarks of Acorns Grow Incorporated. Acorns Visa™ debit cards are issued by Lincoln Savings Bank, member FDIC. Copyright © 2019 Acorns and/or its affiliates.

August 2019 Referral Bonus - $200 for 5 Acorns Referrals

Friends must sign up on or after 08/01/2019 and have an account in good standing and make their first investment by 08/31/2019. Bonuses are paid out by 09/15/2019. Referrals who close their account before 09/15/2019, or make an investment that results in a reversal from their bank, will not qualify for the promotion.

Rewards for inviting friends to join Acorns are a limited time offer. Rewards are in the form of a purchase of investments in your Acorns portfolio. Shares are purchased once your friend’s account is approved and they have completed their first investment. To be eligible for the reward, the persons you refer must use your personal invitation code when they sign up. Acorns defines an account in good standing as a verified investment account with a successful investment. Acorns reserves the right to restrict or revoke this offer at any time. Referral amount subject to change at discretion of Acorns Advisers, LLC.

Advisory services offered by Acorns Advisers, LLC (“Acorns”), an SEC-registered investment advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, LLC, an SEC-registered broker-dealer and member FINRA/SIPC. Custodial and administrative services for Acorns Later IRA accounts provided by IRA Services Trust Company. Investments are not FDIC insured. Investing involves risk and investments may lose value, including the loss of principal. Please consider your objectives and Acorns’s fees before investing. Past performance is not a guarantee of future results. “Acorns”, the Acorns logo, and “Invest the Change” are registered trademarks of Acorns Grow Incorporated. Acorns Visa™ debit cards are issued by Lincoln Savings Bank, member FDIC. Copyright © 2019 Acorns and/or its affiliates.

July 2019 Referral Bonus - $200 for 5 Acorns Referrals

Friends must sign up on or after 07/01/2019 and have an account in good standing and make their first investment by 07/31/2019. Bonuses are paid out by 08/15/2019. Referrals who close their account before 08/15/2019, or make an investment that results in a reversal from their bank, will not qualify for the promotion.

Rewards for inviting friends to join Acorns are a limited time offer. Rewards are in the form of a purchase of investments in your Acorns portfolio. Shares are purchased once your friend’s account is approved and they have completed their first investment. To be eligible for the reward, the persons you refer must use your personal invitation code when they sign up. Acorns defines an account in good standing as a verified investment account with a successful investment. Acorns reserves the right to restrict or revoke this offer at any time. Referral amount subject to change at discretion of Acorns Advisers, LLC.

Advisory services offered by Acorns Advisers, LLC (“Acorns”), an SEC-registered investment advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, LLC, an SEC-registered broker-dealer and member FINRA/SIPC. Custodial and administrative services for Acorns Later IRA accounts provided by IRA Services Trust Company. Investments are not FDIC insured. Investing involves risk and investments may lose value, including the loss of principal. Please consider your objectives and Acorns’s fees before investing. Past performance is not a guarantee of future results. “Acorns”, the Acorns logo, and “Invest the Change” are registered trademarks of Acorns Grow Incorporated. Acorns Visa™ debit cards are issued by Lincoln Savings Bank, member FDIC. Copyright © 2019 Acorns and/or its affiliates.

June 2019 Bonus

Rewards for completing all three actions below are a limited time offer. Rewards are in the form of a purchase of investments in your Acorns portfolio. Shares will only be purchased if all of the following have been completed: (1) your friend’s account is approved and they have completed their first investment, (2) you make a purchase using a Found Money offer, and (3) you make at least one investment into your Acorns Core account. Bonuses are paid out on or around 07/15/2019. To receive a bonus, your Acorns Core account must be open and in good standing at the time of the reward payment. Acorns reserves the right to restrict or revoke this offer at any time. Limit 1 reward per customer. Referral amount subject to change at the discretion of Acorns Advisers, LLC.

Acorns Referral - Friends must sign up on or after 06/01/2019 and have an account in good standing and make their first investment by 06/30/2019. Referrals who close their account before 07/15/2019, or make an investment that results in a reversal from their bank, will not qualify for the promotion. To be eligible for the reward, the persons you refer must use your personal invitation code when they sign up. Acorns defines an account in good standing as a verified investment account with a successful investment.

Found Money Offer – Between 06/01/2019 and 6/30/2019, you must complete an eligible transaction with a Found Money partner by utilizing any of (i) the Found Money portion of the Acorns App, (ii) the Acorns Google Chrome browser extension, or (iii) a Simply Spend offer. You must comply with all of the terms and conditions of the specific Found Money offer to be complete this qualifying element of the promotion. Found Money offers with travel partners (Airbnb, CheapOair, Expedia, Hotels.com, etc.) are not eligible for this promotion.

Core Account Investment - Between 06/01/2019 and 6/30/2019, you must make a valid transfer into your Acorns Core account. To be eligible as a qualifying element for the promotion, your transfer must settle and be invested prior to 6/30/2019.

Advisory services offered by Acorns Advisers, LLC (“Acorns”), an SEC-registered investment advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, LLC, an SEC-registered broker-dealer and member FINRA/SIPC. Custodial and administrative services for Acorns Later IRA accounts provided by IRA Services Trust Company. Investments are not FDIC insured. Investing involves risk and investments may lose value, including the loss of principal. Please consider your objectives and Acorns’s fees before investing. Past performance is not a guarantee of future results. “Acorns”, the Acorns logo, and “Invest the Change” are registered trademarks of Acorns Grow Incorporated. Acorns Visa™ debit cards are issued by Lincoln Savings Bank, member FDIC. Copyright © 2019 Acorns and/or its affiliates.

May 2019 Referral Bonus - $50 for 5 Acorns Referrals

Friends must sign up on or after 05/01/2019 and have an account in good standing and make their first investment by 05/31/2019. Bonuses are paid out by 06/10/2019. Referrals who close their account before 06/10/2019, or make an investment that results in a reversal from their bank, will not qualify for the promotion.

Rewards for inviting friends to join Acorns are a limited time offer. Rewards are in the form of a purchase of investments in your Acorns portfolio. Shares are purchased once your friend’s account is approved and they have completed their first investment. To be eligible for the reward, the persons you refer must use your personal invitation code when they sign up. Acorns defines an account in good standing as a verified investment account with a successful investment. Acorns reserves the right to restrict or revoke this offer at any time. Referral amount subject to change at the discretion of Acorns Advisers, LLC.

Advisory services offered by Acorns Advisers, LLC (“Acorns”), an SEC-registered investment advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, LLC, an SEC-registered broker-dealer and member FINRA/SIPC. Custodial and administrative services for Acorns Later IRA accounts provided by IRA Services Trust Company. Investments are not FDIC insured. Investing involves risk and investments may lose value, including the loss of principal. Please consider your objectives and Acorns’s fees before investing. Past performance is not a guarantee of future results. “Acorns”, the Acorns logo, and “Invest the Change” are registered trademarks of Acorns Grow Incorporated. Acorns Visa™ debit cards are issued by Lincoln Savings Bank, member FDIC. Copyright © 2019 Acorns and/or its affiliates.

APRIL 2019 REFERRAL SWEEPSTAKES OFFICIAL RULES

No purchase necessary to enter to win. A purchase will not increase your chances of winning. THIS SWEEPSTAKES IS VOID IN FLORIDA, NEW YORK, AND WHERE PROHIBITED BY LAW. Do not proceed in this promotion if you are not a legal resident of the United States. Internet access is required. Neither Facebook nor Instagram are sponsors of this promotion.

ELIGIBILITY

The Acorns April Referral Sweepstakes (the “Sweepstakes”) is offered by Acorns Advisers, LLC, an SEC registered investment advisor. The Sweepstakes is open to legal residents of the United States, including the District of Columbia and legal territories, but not including Florida and New York, who are at least 18 years of age and the age of majority in their jurisdiction of residence at time of entry. Entrants do not need to have an Acorns account to participate. Void where prohibited. Employees of Acorns Advisers, LLC (the “Sponsor”), and its parent companies, subsidiaries, affiliates, advertising agencies, public relations agencies, prize suppliers, including any vendors providing services in connection with this Sweepstakes (collectively, the “Sponsor Affiliates”), and employees, agents, directors, officers of Sponsor or any Sponsor Affiliates are not eligible to participate. Associated persons of unaffiliated securities firms (broker-dealers or investment advisors) are not eligible to enter or to win the Sweepstakes. The Sweepstakes is subject to all applicable federal, state, and local laws.

SUBMISSION PERIOD

The Sweepstakes begins on or about 8:00 a.m. Pacific Time on April 1, 2019 and ends on or about 11:59 p.m. Pacific Time on April 30, 2019 (the “Referral Period”). There is no limit of referrals per person during the Referral Period.

HOW TO ENTER

Referral Entry: To enter, refer friends to Acorns during the Referral Period. For a referral to be eligible for entry in the Sweepstakes, the persons you refer must use your personal invitation code when they sign up. Friends must sign up on or after April 1, 2019 and have an account in good standing and make their first investment by April 30, 2019. Sponsor defines an account in good standing as a verified investment account with a successful investment.

Upon completion of the referral process, the registered referrer (the “Entrant”) will receive one (1) Sweepstakes entry per referral. Referrals who close their account before May [9], 2019, or make an investment that results in a reversal from their bank, will not qualify as an entry in the Sweepstakes.

Entry times will be determined using Sponsor’s computer, which will be the official clock for the Sweepstakes. Each Entrant must comply with each of Facebook’s and Instagram’s respective Acceptable Use Policies.

To be eligible for the Sweepstakes, referrals must be received before the end of the Referral Period. Referrals generated by, or any use of, script, macro, automatic, programmed, robotic, or like entry methods will void, and all Entrants using such methods will be disqualified. Incomplete referrals, including but not limited to those referrals that do not address the requirements set forth in these Official Rules, will not be eligible. Referrals made by any means which subvert the participation process will be void in Sponsor’s sole discretion.

Free Mail-In Method of Entry: To enter without completing a referral method of entry, follow these instructions. On a 3"x5" card, hand print your full name, complete home address including zip code, home telephone number with area code, e-mail address (if available), and mail the card in an envelope with sufficient first class postage to: Referral Sweepstakes, 5300 California Avenue, Irvine CA 92617. Limit one (1) mail-in entry per envelope. No photocopies, facsimiles or mechanical reproductions of cards permitted. No metered mail will be accepted. Mail-in entries must be postmarked by April 30, 2019 and received by May [8], 2019.

Sponsor is not responsible for lost, late, illegible, stolen, incomplete, invalid, unintelligible, misdirected, technically corrupted or garbled entries, which will be disqualified, or for problems of any kind whether mechanical, human or electronic. Proof of sending does not constitute proof of actual receipt by Sponsor for purposes of these Official Rules. Sponsor reserves the right, in its sole and absolute discretion, to disqualify and reject any entries that are inappropriate for any reason.

WINNER SELECTION AND NOTIFICATION

The potential prize winners will be selected in random drawing on or around May [9], 2019. The Sponsor will notify the potential winners via [email]. If (i) a potential winner cannot be reached within one (1) day of the first notification attempt; (ii) a potential winner is found to be ineligible or does not comply with these Official Rules; (iii) a potential winner’s prize, prize notification, or required verification documentation is not received or returned as undeliverable; or (iv) a potential winner cannot or does not accept the prize for any reason, the potential winner will be disqualified and an alternate potential winner will be selected from the remaining eligible entries for the applicable drawing. Sponsor, in its sole discretion, will attempt to contact up to two (2) potential winners of a prize in accordance with the above procedure, within 30 days, after which the prize in question may go unawarded if it remains unclaimed.

Once a potential winner has responded to the notification, the potential winner may be sent additional verification documentation including, if applicable, an Affidavit of Eligibility and Liability, and where permissible, a Publicity Release via email, postal mail and/or express mail at Sponsor’s sole discretion.

By entering and/or participating, participants agree:

(i) to be bound by these Official Rules and Sponsor’s Privacy Policy available at: https://www.acorns.com/privacy/

(ii) that the decisions of the Sponsor are final and binding on all matters relating to the Sweepstakes;

(iii) to be contacted by Sponsor by direct message, e-mail, telephone and/or mail; and

(iv) to release and hold harmless Sponsor and the Released Parties (defined below) from and against any and all liability for injuries and/or damages (including death) sustained in connection with acceptance, possession, use and/or misuse of the prize or related to participation in the Sweepstakes.

PRIZES

One hundred ten (110) winners will be randomly selected on or around May [9], 2019 to win one of two prizes:

(i) ten (10) winners will receive a one thousand dollar ($1,000) reward; and

(ii) one hundred (100) winners will receive a one hundred dollar ($100) reward (each, a “Prize”).

Each Entrant is eligible to win a maximum of one (1) Prize. Rewards are in the form of a purchase of investments in your Acorns portfolio, unless your entry was a mail-in entry. If your entry was a mail-in entry and you win a Prize, the reward will consist of a check in the amount of your Prize. Prizes are awarded “as is” with no warranty or guarantee, either express or implied. Winner agrees to comply with all applicable terms, restrictions and regulations in connection with the Prize.

All details of Prizes will be determined by Sponsor in its sole discretion. Winners are not entitled to exchange or transfer Prizes or to obtain other substitutes, except Sponsor reserves the right to substitute prize(s) or portions thereof of equal or greater value if the Prizes listed or any portion thereof is unavailable for any reason. Except where prohibited by law, the winner is solely responsible for all other costs and expenses. All federal, state and local taxes associated with the receipt or use of any Prize are solely the responsibility of the winner.

Odds of winning the prizes depend on the total number of eligible entries received during the Submission Period.

PUBLICITY & MARKETING

Submission of contact information in connection with this Sweepstakes (whether or not required), including without limitation mailing address, phone number, email address, constitutes permission for Sponsor to use participant’s personal information for purposes of administration of the Sweepstakes.

Except where prohibited by law, by accepting a Prize, winner grants Sponsor and its designees permission to use their name, voice, Prize information, biographical data, and city and state of residence on a winner’s list (if applicable) and for programming, publicity, and promotional purposes (including without limitation, posting such winner’s name on Sponsor’s social media channels), worldwide in all forms of media now known or hereafter developed, in perpetuity, without further compensation unless prohibited by law. Sponsor and its designees are not obligated to use any of the above mentioned information or materials, but may do so and may edit such information or materials, at Sponsor’s sole discretion, without further obligation or compensation.

RELEASE OF LIABILITY & INDEMNIFICATION

Participants agree to these Official Rules and the decisions of the Sponsor. Participants release and hold harmless each of Sponsor, Sponsor Affiliates, Facebook, Inc., and their respective directors, officers, employees, agents and assigns, (the “Released Parties”) from and against any and all claims and liability and failures of any kind (whether caused by computer, technical, or human error) which may either limit the participant’s ability to refer a friend, claim a Prize, or otherwise participate in this Sweepstakes, or a Released Party’s ability to include all eligible entries, judging, notify potential winners, or otherwise execute this Sweepstakes in the manner intended. Participants further release and hold harmless the Released Parties from all liability, claims or actions of any kind for injuries, death, damages, or losses to persons or property alleged to have been sustained in connection with this Sweepstakes including, but not limited to: (i) the receipt, ownership or use of any prize awarded; (ii) unauthorized human intervention in any part of the entry process or the Sweepstakes; (iii) electronic or human error in the administration of the Sweepstakes or the processing of entries; (iv) any typographical or other error in these Official Rules or any other materials disseminated by Sponsor; and (v) any technical malfunction, failure, error, omission, interruption, deletion, defect, delay in operation or communications line failure, regardless of cause, with any equipment, systems, networks, lines, satellites, servers, computers, or providers used by an participant or Released Party.

OTHER TERMS

Decisions of Sponsor on all matters related to the Sweepstakes are final. Sponsor reserves the right to cancel or modify the Sweepstakes for any reason, including but not limited to, if fraud, misconduct or technical failures destroy the integrity of the Sweepstakes, or if a computer virus, bug, or other technical problem corrupts the administration, security, or proper administration of the Sweepstakes as determined by Sponsor, in its sole discretion. Sponsor reserves the right to disqualify or prohibit the participation of an individual if fraud or tampering is suspected, or if the individual fails to comply with any requirement of participation or with any provision in these Official Rules.

CAUTION: ANY ATTEMPT TO DELIBERATELY DAMAGE OR UNDERMINE THE OPERATION OF THIS CONTEST IS A VIOLATION OF CRIMINAL & CIVIL LAWS. SPONSOR RESERVES THE RIGHT TO DISQUALIFY AND/OR SEEK DAMAGES FROM ANY INDIVIDUAL MAKING ANY SUCH ATTEMPTS TO THE FULL EXTENT PERMITTED BY LAW.

GOVERNING LAW

This Sweepstakes shall be governed by and interpreted under the laws of the State of California without regard to its conflicts of laws provisions. Except where prohibited, participants agree that any and all disputes, claims, and causes of action arising out of, or connected with the Sweepstakes or any prize awarded shall be resolved individually, without resort to any form of class action. By participating, participants agree that any and all disputes arising out of or relating in any way to this Sweepstakes shall be litigated only in State and Federal courts sitting in Irvine, California.

SEVERABILITY

If any provision(s) of these Official Rules are held to be invalid or unenforceable, all remaining provisions hereof will remain in full force and effect.

NO AFFILIATION WITH FACEBOOK OR INSTAGRAM

This Sweepstakes is in no way sponsored, endorsed or administered by, or associated with Facebook or Instagram. Any questions, comments or complaints regarding the Sweepstakes should be directed to Sponsor, not Facebook or Instagram, or any other named or depicted third party sponsor as described above.

WINNER LIST

To obtain a list of winners until May [31], 2019, contact [https://www.facebook.com/AcornsGrow] after May [15], 2019.

SPONSOR

Acorns Advisers, LLC, 5300 California Avenue, Irvine, CA 92617

Advisory services offered by Acorns Advisers, LLC (“Acorns”), an SEC-registered investment advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, LLC, an SEC-registered broker-dealer and member FINRA/SIPC. Custodial and administrative services for Acorns Later IRA accounts provided by IRA Services Trust Company. Investments are not FDIC insured. Investing involves risk and investments may lose value, including the loss of principal. Please consider your objectives and Acorns’s fees before investing. Past performance is not a guarantee of future results. “Acorns”, the Acorns logo, and “Invest the Change” are registered trademarks of Acorns Grow Incorporated. Acorns Visa™ debit cards are issued by Lincoln Savings Bank, member FDIC. Copyright © 2019 Acorns and/or its affiliates.

March 17-24 2019 Referral Bonus - $50 for 4 Acorns Referrals

Friends must sign up on or after 03/17/2019 and have an account in good standing and make their first investment by 03/24/2019. Bonuses are paid out by 04/01/2019. Referrals who close their account before 04/01/2019, or make an investment that results in a reversal from their bank, will not qualify for the promotion.

Rewards for inviting friends to join Acorns are a limited time offer. Rewards are in the form of a purchase of investments in your Acorns portfolio. Shares are purchased once your friend’s account is approved and they have completed their first investment. To be eligible for the reward, the persons you refer must use your personal invitation code when they sign up. Acorns defines an account in good standing as a verified investment account with a successful investment. Acorns reserves the right to restrict or revoke this offer at any time. Referral amount subject to change at the discretion of Acorns Advisers, LLC.

Advisory services offered by Acorns Advisers, LLC (“Acorns”), an SEC-registered investment advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, LLC, an SEC-registered broker-dealer and member FINRA/SIPC. Custodial and administrative services for Acorns Later IRA accounts provided by IRA Services Trust Company. Investments are not FDIC insured. Investing involves risk and investments may lose value, including the loss of principal. Please consider your objectives and Acorns’s fees before investing. Past performance is not a guarantee of future results. “Acorns”, the Acorns logo, and “Invest the Change” are registered trademarks of Acorns Grow Incorporated. Acorns Visa™ debit cards are issued by Lincoln Savings Bank, member FDIC. Copyright © 2019 Acorns and/or its affiliates.

January 2019 Referral Bonus - $1,000 for 12 Acorns Referrals

Friends must sign up on or after 01/01/2019 and have an account in good standing and make their first investment by 01/31/2019. Bonuses are paid out by 02/15/2019. Referrals who close their account before 02/15/2019, or make an investment that results in a reversal from their bank, will not qualify for the promotion.

Rewards for inviting friends to join Acorns are a limited time offer. Rewards are in the form of a purchase of investments in your Acorns portfolio. Shares are purchased once your friend’s account is approved and they have completed their first investment. To be eligible for the reward, the persons you refer must use your personal invitation code when they sign up. Acorns defines an account in good standing as a verified investment account with a successful investment. Acorns reserves the right to restrict or revoke this offer at any time. Referral amount subject to change at discretion of Acorns Advisers, LLC.

Advisory services offered by Acorns Advisers, LLC (“Acorns”), an SEC-registered investment advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, LLC, an SEC-registered broker-dealer and member FINRA/SIPC. Custodial and administrative services for Acorns Later IRA accounts provided by IRA Services Trust Company. Investments are not FDIC insured. Investing involves risk and investments may lose value, including the loss of principal. Please consider your objectives and Acorns’s fees before investing. Past performance is not a guarantee of future results. Acorns”, the Acorns logo and “Invest the Change” are registered trademarks of Acorns Grow Incorporated. Acorns Visa™ debit cards are issued by Lincoln Savings Bank, member FDIC. Copyright © 2018 Acorns and/or its affiliates.

December 2018 Referral Bonus - $1,200 for 12 Acorns Referrals

Friends must sign up on or after 12/01/2018 and have an account in good standing and make their first investment by 12/31/2018. Bonuses are paid out by 01/15/2019. Referrals who close their account before 01/15/2019, or make an investment that results in a reversal from their bank, will not qualify for the promotion.

Rewards for inviting friends to join Acorns are a limited time offer. Rewards are in the form of a purchase of investments in your Acorns portfolio. Shares are purchased once your friend’s account is approved and they have completed their first investment. To be eligible for the reward, the persons you refer must use your personal invitation code when they sign up. Acorns defines an account in good standing as a verified investment account with a successful investment. Acorns reserves the right to restrict or revoke this offer at any time. Referral amount subject to change at discretion of Acorns Advisers, LLC.

Advisory services offered by Acorns Advisers, LLC (“Acorns”), an SEC-registered investment advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, LLC, an SEC-registered broker-dealer and member FINRA/SIPC. Custodial and administrative services for Acorns Later IRA accounts provided by IRA Services Trust Company. Investments are not FDIC insured. Investing involves risk and investments may lose value, including the loss of principal. Please consider your objectives and Acorns’s fees before investing. Past performance is not a guarantee of future results. Acorns”, the Acorns logo and “Invest the Change” are registered trademarks of Acorns Grow Incorporated. Acorns Visa™ debit cards are issued by Lincoln Savings Bank, member FDIC. Copyright © 2018 Acorns and/or its affiliates.

November 2018 Referral Bonus - $1,100 for 11 Acorns Referrals

Friends must sign up on or after 11/01/2018 and have an account in good standing and make their first investment by 11/30/2018. Bonuses are paid out by 12/15/2018. Referrals who close their account before 12/15/2018, or make an investment that results in a reversal from their bank, will not qualify for the promotion.

Rewards for inviting friends to join Acorns are a limited time offer. Rewards are in the form of a purchase of investments in your Acorns portfolio. Shares are purchased once your friend’s account is approved and they have completed their first investment. To be eligible for the reward, the persons you refer must use your personal invitation code when they sign up. Acorns defines an account in good standing as a verified investment account with a successful investment. Acorns reserves the right to restrict or revoke this offer at any time. Referral amount subject to change at discretion of Acorns Advisers, LLC.

Advisory services offered by Acorns Advisers, LLC (“Acorns”), an SEC-registered investment advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, LLC, an SEC-registered broker-dealer and member FINRA/SIPC. Custodial and administrative services for Acorns Later IRA accounts provided by IRA Services Trust Company. Investments are not FDIC insured. Investing involves risk and investments may lose value, including the loss of principal. Please consider your objectives and Acorns’s fees before investing. Past performance is not a guarantee of future results. Acorns”, the Acorns logo and “Invest the Change” are registered trademarks of Acorns Grow Incorporated. Acorns Visa™ debit cards are issued by Lincoln Savings Bank, member FDIC. Copyright © 2018 Acorns and/or its affiliates.