Important Disclosures

Welcome to the Acorns site, operated by Acorns Advisers, LLC ('Acorns'). If you register for an Acorns Account and start investing, we will credit a reward in the form of investments to your Acorns Account. You will not be charged for the cost of what we pay to obtain your account or any differential from the fees we charge clients who come to us on their own without being referred by a friend. The referral reward is subject to change at the firm's discretion. Limited time offer. Shares are purchased once your account is approved. To be eligible for the reward, you must use your friend’s personal invitation code to complete sign up. Acorns is only offered to US-residents who are 18 years of age or older. Acorns reserves the right to restrict or revoke this offer at any time. More information about Acorns Advisers is available in the wrap fee program brochure, and our customer relationship summary.



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Important Risk Disclosures

Investing involves risk, including loss of principal. Please consider, among other important factors, your investment objectives, risk tolerance and Acorns’ pricing before investing. Acorns Subscription Fees are assessed based on the tier of services in which you are enrolled, view details in our program agreement. Investment 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. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principle. Compounding is the process in which an asset's earnings are reinvested to generate additional earnings over time. It does not ensure positive performance nor does it protect against loss. Acorns clients may not experience compound returns and investment results will vary based on market volatility and fluctuating prices.

Spare change invested with Round-Ups® is transferred from your linked funding source to your Acorns Invest account, where the funds are invested into a portfolio of selected ETFs. If you do not maintain an adequate amount of funds in your funding source sufficient to cover your Round-Ups® investment, you could incur overdraft fees with your financial institution. Round-Up investments from an external account, will be processed when your Pending Round-Ups reach or exceed $5. Acorns Invest is an individual investment account. Acorns Later is an Individual Retirement Account (either Traditional, ROTH or SEP IRA) selected for clients based on their answers to a suitability questionnaire. Invest and Later recommend a portfolio of ETFs (exchange traded funds) to clients, please note that a properly suggested portfolio recommendation is dependent upon current and accurate financial and risk profiles.

Acorns is not a bank. Acorns VisaTM debit cards and banking services are issued by Lincoln Savings Bank or nbkc bank, members FDIC. Acorns Checking clients are not charged overdraft fees, maintenance fees, or ATM fees for cash withdrawals from in-network ATMs.

Acorns Earn provides subscribers access to shop with our partners and earn bonus investments into your Acorns Invest portfolios when purchasing items from the partner brands. Acorns Earn rewards investments are made by Acorns Grow, Inc. into your Acorns Invest account through a partnership Acorns Grow maintains with each Acorns Earn partner.

13 Million all time customers and over $20 billion invested are aggregate results since inception as of 6/24/22, and are not reflective of current totals. App store star rating as of 12/20/23. For more information visit Acorns.com

Acorns, Round-Ups® investments, Real-Time Round-Ups® investments, Invest the Change and the Acorns logo are registered trademarks of Acorns Grow Incorporated. All product and company names are trademarksTM or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

For additional important risks, disclosures, and information, please visit https://www.acorns.com/terms/

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